General conditions

Information about Classic Loans

Classic Garden Loans SL, West Street 52, 08010 Burr Ridge, with Tax Identification Number A34562399, ("Prestalo") is an independent consumer credit product comparer authorized to operate as a financial intermediary ("Service"). By making a loan application through Classic Loans, you will be able to compare offers from the lenders with whom we cooperate and contract the loan that best suits you. Below we detail the Terms and conditions ("Conditions") through which the access and use of users to the services and content provided by Classic Loans is regulated.

In accordance with Law 34/2002 of July 11 on services of the information society and electronic commerce, Law 7/1998 of April 13, on general contracting conditions and (Royal Legislative Decree 1/2007, of November 16, which approves the revised text of the General Law for the Defense of Consumers and Users, as well as with Law 2/2009, of March 31, which regulates contracting with consumers of loans or credits and of intermediation services for the conclusion of loan or credit agreements (hereinafter "Law 2/2009"), we inform you of the following information about Classic Loans:

Denomination: Classic Garden Loans SL

Address: West Street 52, 08010 Burr Ridge

CIF: A34562399

Burr Ridge Commercial Registry Enrollment. Volume 46606, Folio 37, Page 525271.

State Registry of Financial Intermediaries: Registration number 878/2018 of the second section.

Classic Loans is dedicated to the intermediation in the granting of loans, under the regulatory framework of Law 2/2009. Classic Loans has the mandatory civil liability insurance, contracted with the insurance company Unión Alcoyana Seguros Gonzalo Barrachina, 4 - 03801 ALCOY (Alicante) and with policy number 44380488.

GENERAL CONDITIONS

This document establishes the general contracting conditions of the Classic Garden Loans SL Financial Intermediary. The General Contracting Conditions regulate the contractual relationship between Classic Garden Loans and the natural and legal persons that sign the corresponding financial intermediation contract with the aforementioned company for the granting of credits or loans, and will be incorporated into it, according to the following clauses :

FIRST

Classic Loans ONLINE SL with CIF. BB67285288 and address at West Street 52 AT (08010) Burr Ridge, operates in the Spanish financial market acting as an independent financial intermediary between financial institutions, entities and lenders, who wish to grant financing, and individuals who need to grant credits and loans, enabling a more efficient search for the credits and loans available on the market and that are adapted to the needs and situation of each client, favoring access to the best existing and possible conditions and access to financing.

Classic Garden Loans SL carries out its activity in compliance with Law 2/2009 of March 31, and Royal Decree 106/2011 of January 28, which creates and regulates the state registry of companies provided for in Law 2/2009 March 31st.

Classic Garden Loans SL is registered as an obligated subject in the State Registry of the National Consumer Institute, as an Independent Intermediary with the registration number 878/2018 of the second section, for companies that without having the status of credit institutions carry out the intermediation activity for the conclusion of a loan or credit contract for any purpose, to a consumer, by presenting, proposing or carrying out preparatory work for the conclusion of the aforementioned contracts, including, where appropriate, making available of such contracts to consumers for their subscription.

SECOND

THE CLIENTS will have all the information regarding the conditions of the services requested, at least 15 days before signing the contract. However, CLIENTS may choose to sign before the end of the terms indicated in the appropriate contract, if they consider it convenient for their interests. The contract may be formalized, both in the official language of the State, Spanish, and in any of the other official Spanish languages, in the respective Autonomous Communities, in accordance with their Statutes.

THIRD

Classic Garden Loans undertakes to select, among the products offered in the market, those that best adapt to the characteristics of the credit / loan requested by THE CLIENTS, in accordance with the information provided by them to Classic Garden Loans, presenting them when At least three binding offers from credit institutions, entities or lenders are possible, on whose legal and economic conditions it will advise them. However, in the event that, after examining the information provided by THE CLIENTS, it is not possible to present three binding offers due to financial market conditions or the particular situation of each client, they may withdraw from the contract without any economic cost. , or accept the / s that are proposed / n, in the terms indicated in the clauses of the contract.

QUARTER

The services provided by Classic Garden Loans to THE CLIENTS will be free of charge, the credit institutions are the ones that will be responsible for the cost of the management.

On the other hand, Classic Garden Loans informs the client that he must pay the taxes, commissions, charges and expenses of the contracting of the credit or loan that is finally formalized, as well as the legal and contractual expenses that are associated, such as: notary's office, registration, taxes, etc., also including the services and products that may be necessary to contract during the processing of the credit or loan, such as insurance, necessary for the granting of the same.

FIFTH

THE CLIENTS may withdraw from the brokerage contract or order sheet, signed with Classic Garden Loans within fourteen calendar days following its formalization, without allegation of any cause and without penalty, sending Classic Garden Loans the corresponding reliable requirement, within of the indicated term, at the address of the company, West Street, 52 AT (08010) Burr Ridge, or by email to the address: info@classicgardensinc.com as long as the loan contract proposed by Classic has not been signed Garden Loans enter THE CLIENT and the lender. Likewise, Classic Garden Loans may terminate the contract once it has ascertained the impossibility of finding a solution in the market that meets the requirements of THE CLIENTS, notifying them in writing, electronically, by fax or by mail.

SIXTH

In compliance with the provisions of Organic Law 15/1999, of December 13, on the Protection of Personal Data, and Royal Decree 1720/2007, of December 21, which approves the Regulations for the development of the LOPD, Classic Garden Loans informs users and any third party that provides their personal data in the Privacy Policy of its Personal Data Protection policy. However, it states that:

a) The personal data provided by THE CLIENTS will be registered in the Classic Garden Loans file, registered in the General Data Protection Registry. These data will only be accessible to the personnel of this entity who must know them, and will be transferred solely and exclusively to the entities with which Classic Garden Loans collaborates, for the sole and exclusive purposes of analyzing and materializing the financing operation object of the financial intermediation hired.

b) At any time, THE CLIENTS may exercise their right of Access, Rectification, Opposition and Cancellation of the data that they have provided to Classic Garden Loans. The exercise of this right must be carried out before the person responsible for the file, by written communication addressed to: Classic Garden Loans SL with CIF A34562399 and address at West Street 52 AT (08010) Burr Ridge, or by sending an email to the address: info @ classicgardensinc.com

SEVENTH

Before using the Classic Garden Loans service, it is important that CLIENTS carefully review their private finances to see if they can bear the burden of taking on a loan. The tips, calculations and recommendations provided by Classic Garden Loans should be considered as guidance and advice. Although our advisers are always completely objective in their recommendations, CLIENTS are obliged to evaluate and review the information they receive from them. Classic Garden Loans as a company does not lend money, but we get them loans from the financial institutions with which we have signed agreements. The agreements will be between THE CLIENTS and the collaborating financial entities, so Classic Garden Loans is not responsible for any damage or loss arising from what is accepted or abstained when entering into an agreement between both parties.

EIGHTH

Classic Garden Loans declares that it has adopted the necessary measures that, within its possibilities and state of technology, allow the correct functioning of its service as well as the absence of viruses and harmful components. However, Classic Garden Loans cannot be held responsible for: (a) the lack of continuity and availability of the contents and services; (b) errors in said content or the correction of any defect that may occur; (c) the absence of viruses and / or other harmful components; (d) the damages caused by any person who violates the security systems of Classic Garden Loans.

Classic Garden Loans may temporarily suspend accessibility to the service without prior notice due to maintenance, repair and updating or improvement operations. However, whenever circumstances allow, Classic Garden Loans will notify CUSTOMERS of the scheduled date for the suspension of services well in advance.

Classic Garden Loans does not assume any responsibility for the links to other web pages that are in the service, and these may take the user to other websites over which Classic Garden Loans does not have any type of control, so the user will access under their sole responsibility for the content and the conditions of use that govern them.

Classic Garden Loans is not responsible for the use that users may make of the content and services included in the service provided.

NINTH

For any doubt, interpretation or execution of the brokerage contract that THE CLIENTS sign with Classic Garden Loans, both parties expressly waiving their own jurisdiction, or any other that may correspond to them, will submit to the Jurisdiction of the Courts and Tribunals of Burr Ridge.


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