These Terms & Conditions of Use (the Terms) set out the Terms by which you may make use of our Website crezu.ph (the Website). Use of the Website includes accessing, browsing, or registering to use the Website.
It is important that you carefully read these Terms before you use the Website, as they apply to your use of the Website. Please feel free to download or print a copy of these Terms for your own future reference. It is your responsibility to ensure you are aware of the nature of these Terms and how they may affect your use of the Website.
By using the Website, you confirm that you accept these Terms and that you agree to comply with them. If you do not agree to these Terms, you should exit the Website immediately and we request that you do not use our service.
Crezu is a Trading Name of Fininity Ltd which is registered in Estonia (Company number 14523902), Registered Office: Tartu road 84a – M302, 10112 Tallinn, Estonia.
crezu.ph is owned and operated by Fininity Ltd.
We are not a Lender or Provider and therefore we will not provide finance directly to you; we provide an online loan matching service, we will introduce you to Lenders or Providers of financial services. By submitting an application through our Iframe form you will be giving your consent for Fininity Ltd to match your application with one of the Lenders or Providers on our panel.
There is no obligation for you to take up the loan or service with them. You should read their conditions carefully and make a responsible decision on whether you believe their service is right for you. If you have any questions or are unsure you should contact the Lender or Provider before taking out any service or loan with them.
Any examples of amounts available to borrow, terms (repayment periods) or rates stated on the Lender or Provider Websites are purely given as a representative example relating to the product. These representative examples are stated to give you an understanding of the products available. Representative examples are not given as a figure of what you will actually be offered by the Lender/Finance Provider therefore cannot be given as a guarantee nor can they be used as any kind of warranty. As we do not provide the loan or financial service directly to you we are unable to control the representative rate examples contained on the Website. Please also be aware that the decision to offer any loan or financial service is made by the Lender or Finance Provider and we have no control over the decision making.
The Lender/Finance Provider will conduct an assessment on you before any decision or offer is made; this may include a full assessment of your credit history both past and present.
Upon application the Lender or Finance Provider may use both fraud prevention and credit referencing agencies to help make relevant decisions. Credit checks and credit reference agencies can also help prevent fraudulent applications so we ask you to agree to using data provided for the purpose of preventing fraud and ensuring that your identity is protected.
Information provided by you must always be true and accurate, as misleading information will be regarded as a breach of our terms and is likely to breach any agreement you have entered into with a Lender or Finance Provider. Misleading information may also result in the instigation of criminal procedures against you.
If you have authorised any third parties to act on your behalf any information given by the third party will be contractually binding on you. Should you choose to make a joint application for a loan or finance via the Website each party will be dealt with as a client acting with the consent of the other and if correspondence is entered into with one party of the joint application it shall be assumed that the communication is with both parties.
Unless stated otherwise we may contact you via means of telephone, SMS, post or email to provide information and alerts relating to your application and or services We think may be of interest to You.
You may only use our site & iframe form for lawful purposes. You may not use our site/form:
The Website & form is controlled and operated in the Philippines. These Terms and any non-contractual obligations arising out of or in connection with these Terms will be governed by the laws of the Philippines and you irrevocably agree to submit to the exclusive jurisdiction of the Philippine courts.
We endeavour to make every effort to ensure our service to you is excellent; however, if you wish to make a formal complaint, please send your complaint via email to email@example.com.
Crezu.ph is a trading name of Fininity Ltd. Fininity Ltd is registered in Estonia (Company number 14523902), Registered Office: Tartu road 84a – M302, 10112 Tallinn, Estonia.
Crezu.ph are aware how important your privacy is, based on this we have implemented measures which will ensure any personal information that is obtained from you by visiting our website will be processed and maintained in line with accepted principles of good information handling. Contained within this statement and set out below are details of the type of information that we at Fininity may hold about you our customer, also how we obtain and process any information we may have and importantly how we protect your privacy.
We, and our panel of lenders, credit brokers and alternative solution providers, will keep you informed with the progress of your application. Unless you state otherwise you may be contacted via telephone, email, post, SMS and automated message. (see further section on ‘How we keep you informed’)
Lawful basis for collecting your personal data
We rely upon a different lawful basis to process your personal data according to the reason for which you have provided your data to us.
Our use of your personal data will always have a lawful basis.
When you submit your loan application with Fininity, we process your personal data on the basis that you have provided your consent to be contacted by Fininity, our panel of Loan Providers (Lenders) /Credit Brokers, Credit Report providers in relation to the loan application and debt solution providers where you have been declined.
These third parties will contact you by the communication channel or channels which you have agreed to, offering products and services that may be of interest.
You can withdraw your consent to us processing your personal data for marketing purposes at any time by clicking the “unsubscribe” option in any marketing SMS, email we, or any associated third party, send to you.
Alternatively, you can withdraw your consent by contacting our Data Protection Officer at firstname.lastname@example.org or using the contact details stated in section 15 / 16. If you change your mind about agreeing to us processing your personal data, this will not have any effect on the lawfulness of any processing we have carried out before you changed your mind.
Your personal data will also be processed on the basis that we need this information to fulfil our obligations under the contract we have entered into with you by providing you with a loan quote. Fininity, our panel of Loan Providers (Lenders) /Credit Brokers and Credit Report providers will contact you regarding your application quote.
We may want to make contact with you at some point in order to keep you informed regarding offers on products or services which we think you may find of interest, this contact will be made via telephone, email, SMS, automated messages. Third parties may also wish to contact you from the information we have shared with them, any information that is shared to third parties is completely trusted for the purpose it is specified for, third parties may also use the same means of contact stated above.
Should your application be declined you may be contacted by Third party alternative solution providers.
If you register with us and have a question about our services, or alternatively choose to send an email to email@example.com we may also collect the above personal information/data in this instance in order for us to respond to your enquiry.
Unless the customer states otherwise we will contact the customer via means of telephone, SMS and email to provide information and alerts relating to our services and our associate companies. We may also receive personal information/data from third parties, which enables us to offer Identified potential customers products, and services who have expressed interest in our products and services. Any information/data obtained from third parties is checked in regards to accuracy and we will endeavour to check your information with you on occasion.
Ensuring your personal details & or preferences are kept up to date.
It is your responsibility to ensure that any information we have on record for you is kept up to date and correct. If you do require any of your information to be updated then please contact us as soon as possible so we can ensure it is corrected.
If you require your preferences to be updated then please contact our Compliance Manager as soon as possible (details set out below within ‘Contact’ page).
We collect personal information about you when you give this to us when applying for a loan product online. This might be, for example, to obtain quotes for the loan and credit reporting services. In the course of providing the Services to you, we may also store information about how you use our Sites, for example, the pages viewed, the website from which you came to visit our Sites, changes you make to information you supply to us, details of the quotes you request and your applications, together with details of your financial information, for example, bank account or employer details.
We will store the information you provide and may use it to pre-populate fields on the Sites and to make it easier for you to use the Sites when making return visits.
We may monitor or record your Calls, Emails, SMS or other communications but we will do so in accordance with data protection legislation and other applicable law. Monitoring or recording will always be for business purposes, such as for quality control and training (e.g. where you call our compliance or customer service department), to prevent unauthorised use of our telecommunication systems and Sites, to ensure effective systems operation, to meet any legal obligation and/or to prevent or detect crime.
We will periodically review your personal information to ensure that we do not keep it for longer than is permitted by law.
We may use your personal information:
Keeping you informed about the Services: You agree that we and, with your consent, other trusted third parties will be entitled to contact you (depending on your contact preferences) via email, post, telephone, SMS, or by other electronic means such as via social and digital media, in relation to products, services and other offers that may interest you.
Whenever you provide us with personal information, where necessary we will seek your consent and/or we will give you an opportunity to tell us you do not consent to the use and sharing of your information for marketing purposes. Unless you tell us otherwise, you are consenting to such use.
Where permitted by data protection and privacy law, we may also disclose information about you (including electronic identifiers such as IP addresses) and/or access your account:
If we reasonably believe false or inaccurate information has been provided and fraud is suspected, details may be passed to fraud prevention agencies to prevent fraud and money laundering.
Our Sites are SSL secured and keeping information about you secure is very important to us. However, no data transmission over the internet can be guaranteed to be totally secure. Sensitive information, for example, your card details, is encrypted to minimise the risk of interception during transit.
We do our best to keep the information you disclose to us secure. However, we can’t guarantee or warrant the security of any information which you send to us, and you do so at your own risk. By using our Sites you accept the inherent risks of providing
How Long Will We Retain Your Personal Information For?
The amount of time we retain your information for will depend on the reason it was provided:
If you require further information on our data retention policies please email: firstname.lastname@example.org.
You can opt out of future contact from Crezu at any time. All of our marketing messages provide an opt out link – please allow up to 48 hours for us to process your opt out request. Alternatively you can email email@example.com where your details will be removed from any future marketing campaigns.
Last updated 6th September 2019