These General Terms and Conditions (hereinafter the "Terms") govern access to the website https://private-kredit.com operated by PRIVATE KREDIT, as well as the use of online services, loan applications and contractual relationships arising from financing offers granted by PRIVATE KREDIT or its partner institutions. By accessing the site or submitting an application, you acknowledge that you have read, understood and accepted these Terms without reservation.
1. Legal information
The website https://private-kredit.com is published by PRIVATE KREDIT, a SAS with a share capital of 100 000 €, registered with the RCS under number Paris B 123 456 789, SIRET 123 456 789 00012, VAT number FR12 345678901, registered with ORIAS under number 12 345 678 as an insurance, banking and finance intermediary, having its registered office at 18 allée Roberteau, 67000 Strasbourg.
Publication director: Sophie Laurent. Contact: contact@private-kredit.com — +4917610751789.
2. Purpose and scope
These Terms define the conditions under which PRIVATE KREDIT provides information on its financing solutions, collects loan applications, conducts preliminary analysis of files and, where applicable, submits offers to partner credit institutions.
They apply to any natural person aged 18 or over acting as a consumer or professional, as well as to any legal entity duly registered, seeking financing for personal or business purposes. Specific conditions may apply depending on the type of loan; in case of contradiction, the loan offer and signed contract shall prevail.
3. Access to the site and services
Access to the site is free of charge. PRIVATE KREDIT strives to ensure continuous availability but cannot guarantee uninterrupted access due to maintenance operations, updates or events beyond its control. PRIVATE KREDIT reserves the right to suspend, modify or discontinue all or part of the site without prior notice.
The user undertakes to use the site in accordance with applicable laws and not to engage in any fraudulent, abusive or harmful activity. Any unauthorised access attempt, data extraction or disruption of the site may result in legal action.
4. Loan application process
Submitting a loan application via the online form or through an advisor does not constitute a firm offer of credit. It constitutes a request for study for which PRIVATE KREDIT and/or its partners will assess eligibility based on the information and documents provided.
The applicant undertakes to provide accurate, complete and up-to-date information. Any false declaration, omission or document forgery may result in immediate rejection of the application, termination of any ongoing contract and, where applicable, legal proceedings.
The applicant authorises PRIVATE KREDIT to verify the information provided and to consult databases authorised by law, including credit reference files (FICP, FCC) and fraud prevention systems, in accordance with the Privacy Policy.
5. Credit offer and contract formation
Where the application is approved in principle, the applicant will receive a personalised offer specifying the amount, duration, nominal interest rate, Annual Percentage Rate (APR), total cost of credit, amount and frequency of instalments, as well as any fees and insurance where applicable.
For consumer credit, the offer is subject to a mandatory reflection period in accordance with the Consumer Code. The contract is formed only upon signature by both parties, after expiry of the legal withdrawal period where applicable. For business credit, specific contractual conditions apply as set out in the loan agreement.
6. Interest rates, fees and total cost
Interest rates are fixed or variable as specified in the loan offer. The APR includes all mandatory costs associated with the credit, in accordance with regulatory requirements. Any application fees, management fees or early repayment penalties are clearly indicated in the offer before signature.
PRIVATE KREDIT undertakes to ensure full transparency on the total cost of credit. A European Standardised Information Sheet (ESIS) or equivalent pre-contractual information document is provided for consumer loans, enabling informed comparison of offers.
7. Repayment obligations
The borrower undertakes to repay the loan in accordance with the schedule set out in the contract. Payments are generally made by direct debit on the dates specified. In the event of payment difficulties, the borrower must contact PRIVATE KREDIT without delay to explore possible solutions (payment deferral, restructuring), before any default situation arises.
Late payment may result in late payment penalties at the legal or contractual rate, recovery costs and, where applicable, filing with the Banque de France. For business loans, personal guarantees or collateral may be enforced in accordance with the contract.
8. Early repayment
The borrower may repay all or part of the outstanding capital before the contractual maturity date, subject to the conditions set out in the loan agreement. For consumer credit, early repayment compensation is capped by law. The amount of any compensation is specified in the pre-contractual information and the contract.
9. Right of withdrawal
For consumer credit contracts concluded at a distance or off-premises, the consumer has a period of 14 calendar days from acceptance of the offer to exercise their right of withdrawal, without having to justify reasons or pay penalties, in accordance with Articles L312-52 et seq. of the Consumer Code.
To exercise this right, the consumer must send a written notification to PRIVATE KREDIT at 18 allée Roberteau, 67000 Strasbourg or contact@private-kredit.com, using the withdrawal form attached to the contract or any other unambiguous statement. If the credit has been partially used before withdrawal, interest accrued during this period remains due.
10. Insurance and optional services
Borrower insurance (death, disability, incapacity) may be offered or required depending on the type and amount of the loan. The borrower is free to choose an external insurance policy meeting equivalent guarantees, in accordance with the Lagarde Law for consumer credit. No insurance may be imposed without clear prior information.
11. Liability
PRIVATE KREDIT acts as an intermediary and advisor in the financing process. It shall not be held liable for indirect damages, loss of profit or loss of opportunity resulting from use of the site, except in cases of proven gross negligence or fraud on its part.
Information published on the site is provided for guidance only and does not constitute personalised financial advice. The user remains solely responsible for their financing decisions after reading the contractual documents provided.
12. Intellectual property
All content on the site (texts, images, logos, graphics, software) is the exclusive property of PRIVATE KREDIT or its partners and is protected by intellectual property law. Any reproduction, representation, modification or exploitation without prior written authorisation is prohibited.
13. Personal data
The processing of personal data in connection with the use of the site and loan applications is described in our Privacy Policy, accessible at https://mail.private-kredit.com/en/privacy-policy. By using our services, you acknowledge that you have read this policy.
14. Complaints and mediation
Any complaint may be sent to contact@private-kredit.com or by post to 18 allée Roberteau, 67000 Strasbourg. PRIVATE KREDIT undertakes to acknowledge receipt within 10 business days and to provide a reasoned response within a maximum of 2 months.
In the event of an unresolved dispute relating to a consumer credit contract, the consumer may refer the matter free of charge to the approved consumer mediator indicated in the pre-contractual information, or to the European Online Dispute Resolution platform: https://ec.europa.eu/consumers/odr.
15. Applicable law and jurisdiction
These Terms are governed by French law. In the event of a dispute, and after an attempt at amicable resolution, exclusive jurisdiction is attributed to the courts of Paris, without prejudice to mandatory rules protecting consumers, who may bring proceedings before the court of their domicile.
