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TERMS AND CONDITIONS OF SERVICE PROVISION – CMRC CRÉDITO
Welcome to the CMRC CRÉDITO website. These Terms and Conditions of Service Provision govern the relationship between CMRC CRÉDITO, a credit intermediary company headquartered in Switzerland, registered under number 000.000.000.0 and based in Rafz, hereinafter referred to as the “SERVICE PROVIDER,” and the user of the services offered through this website, hereinafter referred to as the “CLIENT.”
By accessing and using the services provided by CMRC CRÉDITO, the CLIENT agrees to these Terms and Conditions. If the CLIENT does not agree with any of the provisions set forth herein, they should refrain from using the services.
1. OBJECT OF THE SERVICES
1.1. The SERVICE PROVIDER offers the CLIENT services in banking credit intermediation, financial consulting, debt renegotiation, financial planning advisory, and other services related to the financial sector, as described on this website.
1.2. The CLIENT may choose the services that best meet their financial needs, according to the options provided by the SERVICE PROVIDER.
2. OBLIGATIONS OF THE SERVICE PROVIDER 2.1. The SERVICE PROVIDER undertakes to provide the contracted services with diligence, transparency, and professionalism, always seeking the best financial solutions for the CLIENT.
2.2. The SERVICE PROVIDER will provide the CLIENT with all necessary information regarding the conditions and characteristics of the available services, as well as the necessary guidance for the correct execution of financial operations.
2.3. The SERVICE PROVIDER will use the documents and information provided by the CLIENT exclusively for the proposed purposes and will respect the confidentiality provisions established herein.
3. OBLIGATIONS OF THE CLIENT 3.1. The CLIENT undertakes to provide truthful, accurate, and complete information at the time of registration and during the use of the services offered by the SERVICE PROVIDER.
3.2. The CLIENT must submit all documentation requested by the SERVICE PROVIDER clearly and within the established deadlines, otherwise making it impossible to provide the contracted services.
3.3. The CLIENT is responsible for keeping their registration information updated, especially contact details, which will be used by the SERVICE PROVIDER for official communications.
4. REMUNERATION 4.1. The remuneration for services provided by the SERVICE PROVIDER will be clearly informed to the CLIENT at the time of contracting. Remuneration only applies to the income certification service.
4.2. The CLIENT must make payment according to the terms agreed upon during service contracting. Non-payment may result in the suspension of services or the cancellation of the contract.
5. CONFIDENTIALITY 5.1. The SERVICE PROVIDER undertakes to maintain the confidentiality of all information and documents provided by the CLIENT, using them exclusively for the purposes necessary for the provision of the contracted services.
5.2. The CLIENT also undertakes to maintain confidentiality regarding the information and commercial conditions offered by the SERVICE PROVIDER, except when disclosure is required by law or with the express authorization of the SERVICE PROVIDER.
5.3. The confidentiality obligations provided herein shall remain in force even after the end of the relationship between the parties, for a period of 5 years.
6. LIMITATION OF LIABILITY 6.1. The SERVICE PROVIDER is not responsible for any financial decisions made by the CLIENT based on the advice or services provided, with the CLIENT solely responsible for analyzing and accepting credit proposals or other financial operations.
6.2. The SERVICE PROVIDER does not guarantee credit approval from financial institutions, acting only as an intermediary to facilitate the credit contracting process or other financial services.
7. TERMINATION 7.1. The CLIENT may terminate the contracted services at any time by formally notifying the SERVICE PROVIDER. Any refunds of amounts paid in advance will be evaluated on a case-by-case basis, according to the specific conditions of the contracted service.
7.2. The SERVICE PROVIDER may terminate the provision of services if the CLIENT fails to comply with any obligation provided in these Terms, particularly concerning the accuracy of the information provided.
8. APPLICABLE LAW AND JURISDICTION 8.1. These Terms and Conditions are governed by Swiss law, with the application of international private law norms, when necessary.
8.2. To resolve any questions or disputes arising from this instrument, the parties select the applicable law in the Canton of Zurich, Switzerland, expressly waiving any other jurisdiction, however privileged it may be.
9. GENERAL PROVISIONS 9.1. The SERVICE PROVIDER may change these Terms and Conditions at any time, and modifications will be duly informed to the CLIENT through this website. Continued use of the services by the CLIENT implies acceptance of the modifications.
9.2. Any communication between the parties must be carried out through the official channels provided on this website.