Loan contract

Parties to the contract

This contract is concluded between Firmancy ®, an approved credit institution (hereinafter “the Lender”), & any natural person who has submitted & obtained approval for a financing request (hereinafter “the Borrower”).

Purpose of the contract

The Lender undertakes to make available to the Borrower an amount defined at the time of the request, under the conditions agreed & formalized in the personalized loan offer transmitted electronically.

Rate & total cost

The annual percentage rate of charge (APR) applied is 2.17%. This rate is fixed for the entire duration of the contract. The total cost of credit is detailed in the individual loan offer.

No hidden administration fees are applied. The total amount owed by the Borrower is communicated before any signature.

Refund

The Borrower undertakes to repay the loan according to the schedule attached to the loan offer. Monthly payments are deducted on a fixed date from the bank account designated by the Borrower.

In the event of financial difficulties, the Borrower is invited to immediately contact Firmancy ® at the address contact@firmancy.com in order to find an amicable solution.

Right of withdrawal

In accordance with applicable regulations, the Borrower has a period of 14 calendar days from signature to exercise his right of withdrawal, without penalty or justification.

To exercise this right, the Borrower must notify his decision in writing to the address contact@firmancy.com or by post to the head office of Firmancy ®: .

Borrower insurance

Taking out borrower insurance is recommended. It covers the Borrower in the event of death, permanent disability, temporary incapacity for work or loss of employment, depending on the formula chosen.

Termination

Firmancy ® reserves the right to terminate the contract automatically in the event of misrepresentation, repeated non-payment or violation of these conditions. The entire outstanding capital becomes immediately due.