General Terms of Use

These General Terms of Use (hereinafter referred to as "Terms") aim to define all rules, procedures, and terms governing access to and use of the services offered on the website NOVARA FINANCE.

Any browsing, navigation, credit simulation, or submission of a financing form on the platform implies the express, prior, full, and unreserved acceptance by the User of these Terms. If the User does not accept all or part of these terms, they are requested to immediately cease using our services.

Within the meaning of these Terms, the following terms have the meanings defined below:

• "Platform" or "Site": Refers to all pages, services, features, and content accessible via the main website address of NOVARA FINANCE.
• "User": Refers to any natural or legal person accessing the Platform for consultation or loan simulation purposes.
• "Service": Refers to all financial engineering tools, monthly payment calculators, contact forms, and online loan application tools.
• "Lending Institution": Refers to authorized credit institutions, financial entities, and banking partners that review and fund loan applications.

Access to the Platform is free of charge for any User with an internet connection. All costs related to access (hardware, computers, mobile devices, web browsers, and network fees) are solely the responsibility of the User.

To submit a financing application or use our calculation tools, the User must be a major individual with full legal capacity to carry out financial management acts and enter into a loan commitment, or a legally incorporated legal entity represented by a duly authorised agent.

We employ all reasonable means to ensure continuous and secure access to the Platform 24 hours a day, 7 days a week. However, access may be suspended, restricted, or interrupted without prior notice for maintenance, technical updates, bug fixes, or in cases of force majeure.

NOVARA FINANCE acts as a broker and intermediary specializing in banking transactions and payment services. The calculators and simulators provided on the Site yield an indicative estimate of monthly payments, applied interest rates, and total credit cost.

Disbursement of funds and execution of the final contract remain subject to the absolute approval of the file by the partner credit institution and the expiration of applicable statutory withdrawal periods.

The User guarantees the accuracy, sincerity, and truthfulness of all financial, personal, and professional information provided via our online forms. The User agrees not to submit false statements, misleading information, or forged documents.

The use of forged documents, identity theft, or willful omission of critical debt information constitutes fraud liable to result in immediate rejection of the application, as well as legal prosecution under relevant Criminal Code provisions.

The User is further prohibited from making automated requests (bots, scrapers, scripts) aimed at extracting or altering Platform data.

The entire architecture, text content, graphics, illustrations, visual elements, logos, registered trademarks, databases, software, and source code composing the Platform are the exclusive and full property of NOVARA FINANCE or are legally licensed for use.

Any partial or total reproduction, representation, extraction, modification, dissemination, or reuse of Site elements by any means whatsoever without our prior written authorization is strictly prohibited and constitutes an infringement punishable under Intellectual Property laws.

NOVARA FINANCE strives to publish accurate and up-to-date information. However, we cannot be held liable for omissions, inaccuracies, or delays in updating banking rates or conditions beyond our control.

We shall not be liable for any direct or indirect damage suffered by the User resulting from the use of the Platform, a telecom network outage, or a loan refusal issued by a financial partner.

The processing of your personal data when using our services is subject to the General Data Protection Regulation (GDPR 2016/679) and applicable data protection legislation.

To view all your rights (access, rectification, erasure, portability) as well as data retention periods, we invite you to read our Privacy Policy.

You may contact our Data Protection Officer (DPO) at any time via the dedicated email address: rgpd@novara-finance.com .

The Platform may contain hyperlinks to third-party or banking partner websites. These links are provided solely for information and convenience.

NOVARA FINANCE exercises no control over the content, terms of use, or privacy policies of these external sites and disclaims any responsibility for their practices.

We reserve the right to adapt, expand, or modify these Terms of Use at any time to account for legislative, regulatory, or technical changes.

New versions of the Terms take effect as soon as they are posted on the Platform. Continued use of the Site following the publication of changes constitutes unreserved acceptance of the updated terms.