These General Terms and Conditions (hereinafter “Terms”) govern the use of credit services provided by Acefi , a specialist in online credit solutions across Europe. By submitting a credit application through our website, you agree to the following terms:

1. 🧾 Eligibility

To be eligible for a credit agreement with  Acefi, the applicant must:

• Be at least 18 years of age

• Be a legal resident of a European country where Creatis-Go operates

• Have regular and verifiable income

• Not be subject to active bankruptcy or legal insolvency proceedings

• Provide truthful, complete, and accurate information

2. 📝 Application and Approval Process

• All credit applications are submitted online via our website.

• Acefi reserves the right to accept or refuse any application without obligation to justify the decision.

• Approval is subject to creditworthiness checks and documentation validation.

• Additional documents may be required to complete the review.

3. 💶 Loan Offer and Agreement

• Once approved, you will receive a credit offer outlining the loan amount, interest rate, duration, total repayable amount, and monthly installment.

• The loan agreement becomes effective only once it has been read, signed, and returned by the client.

• Funds are disbursed only after verification of all documents and, if applicable, payment of any required guarantee or processing fee.

4. 💸 Repayment Terms

• Repayment is made monthly by direct debit from the account provided.

• The first payment date is specified in the contract and may vary depending on the disbursement date.

• Early repayment is possible at any time, in part or in full, without penalty unless otherwise stated in the agreement.

• In the event of late payment, penalties or additional interest may apply, as defined in the agreement.

5. 📉 Interest and Fees

• Interest is fixed for the entire duration of the loan, unless otherwise specified.

• All applicable fees (e.g., administration or file fees) will be clearly indicated before signing.

• No hidden fees will be charged.

6. ❗ Delay, Default & Legal Action

• In the event of non-payment, Creatis-Go may initiate recovery procedures, which could include:

  • Reminder notices

  • Late payment fees

  • Transfer to a debt collection agency

  • Legal proceedings

• Your credit status may be reported to national credit bureaus.

7. 🔐 Data Protection

All personal data is handled in accordance with the GDPR. For more information, please refer to our [Privacy Policy].

8. 📄 Right of Withdrawal

As per applicable consumer credit laws, you have a legal right to withdraw from the signed loan agreement within 14 calendar days, without penalty and without having to provide justification. To exercise this right, you must notify us in writing before the deadline.

9. 🛠️ Modification of Terms

Creatis-Go may modify these Terms at any time. However, changes will not affect contracts already concluded. The current version will always be available on our website.

10. ⚖️ Governing Law and Jurisdiction

These Terms are governed by the laws of the country in which the loan is granted. In the event of a dispute, the competent courts of the borrower’s country of residence shall have jurisdiction.