General Terms and Conditions of Use of Financia Access

1. Presentation of the Platform

Financia Access is a digital platform for financial services, specializing in the study of loan application files and connecting with suitable financing solutions. This site is published by Financia Access (hereinafter referred to as "the platform" or "we"), registered under number [to be completed], and located at [full address to be completed].

By accessing and using this website, the user (hereinafter referred to as "the user" or "you") acknowledges having read and accepted without reservation these General Terms and Conditions of Use (CGU).

2. Purpose of the CGU

The CGU define the conditions under which the user accesses the site www.financia-acces.com and uses the services offered there, including:

• The submission of a loan application
• The study and processing of creditworthiness
• The consultation of available or conditional offers
• The receipt of personalized support or feedback

These services do not constitute a firm banking or financial offer, but a system of analysis, pre-instruction, and guidance.

3. Access to Services

Access to the services is reserved for adults, legally capable individuals, with full civil and financial capacity, and residing in a geographical area covered by the activities of Financia Access.

The user agrees to provide accurate, complete, and up-to-date information. In case of erroneous, incomplete, or misleading information, the platform reserves the right to suspend the study of the file or exclude the user without notice.

4. Nature of the Services Offered

• The secure collection of the applicant's personal and financial data
• The preliminary analysis of creditworthiness
• The transmission of a response (positive, negative, or conditional)
• The possible connection with approved partners or internal offers

No guarantee of obtaining a loan is given before a complete instruction and validation of the file. The platform is not a banking institution but acts as an intermediary or manager of personalized solutions.

5. Possible Payment Terms

No fees will be charged before the file study or without prior explicit communication. However, fees may apply:

• File fees : charged only after preliminary acceptance
• Transfer or processing fees : in case of confirmed grant
• Optional insurance : offered as an option during contracting

Each cost will be communicated in advance, with an invoice or official receipt.

6. User Commitments

• Not to impersonate a third party
• Not to transmit fraudulent or falsified documents
• Not to divert the use of the site for illegal purposes
• To respect the confidentiality of received communications

7. Personal Data Protection

• The data is used exclusively for the study of the file
• No transfer or resale to third parties without prior agreement
• The user can exercise at any time their rights of access, rectification or deletion by contacting us at
: contact@financia-acces.com

8. Intellectual Property

All content on the site (texts, graphics, logos, PDF documents, databases, etc.) is the exclusive property of Financia Access. Any reproduction, distribution or exploitation without authorization is strictly prohibited.

9. Security

The platform implements enhanced technical measures to ensure data security (SSL encryption, secure server, restricted access, etc.).

In case of any anomalies, the user is invited to report them immediately.

10. Responsibilities

• Temporary or prolonged unavailability of the site
• Errors or omissions in the information provided by the user
• Misinterpretation of the advice or indications on the site

The platform's liability can only be engaged in the event of serious, direct, proven fault, and exclusively attributable to it.

11.Terms of Use Update

The applicable version of the TOS is the one online at the date of consultation. Financia Access reserves the right to modify all or part of the TOS at any time. Users will be informed by publication or mention on the homepage of the site.

12. Governing Law and Jurisdiction

These TOS are governed by the laws of [your country of registration]. In case of dispute, and failing an amicable resolution, the competent courts will be those of the jurisdiction of the registered office of Financia Access.