Important: Finance Global Services acts as an intermediary in banking operations and payment services (credit broker). We are not a credit institution and do not grant credit directly. These Terms govern the intermediation service. The specific credit conditions are set by the partner lending institution in its pre-contractual credit offer.
Contents
1. Subject matter and scope
These General Terms and Conditions (GTC) define the rights and obligations of the parties in the context of credit intermediation services provided by Finance Global Services (hereinafter "Finance Global Services").
They apply to any individual (hereinafter "the Client") who uses the services of Finance Global Services accessible via financeglobalservices.com or any other channel offered by Finance Global Services.
By submitting a credit application through our services, the Client acknowledges having read, understood and unconditionally accepted these GTC.
2. Description of services
2.1 Credit simulator
A free online tool providing an indicative, non-binding estimate of monthly payments, total cost and APR for various credit types. Simulations are based on an indicative APR of 2.5% and do not constitute a credit offer.
2.2 Credit intermediation
Finance Global Services analyses your credit application and submits it to one or more partner credit institutions likely to meet your needs. These services include:
- Analysis of your project and financial situation
- Selection of partner offers suited to your profile
- Assistance in assembling your application file
- Connection with the selected lending institution
- Monitoring your application through to the final decision
2.3 Personalised advice
An advisory service provided by our specialist advisors, available by phone and email, to guide you in your financing choices.
3. Pricing and remuneration
Finance Global Services is remunerated exclusively by partner credit institutions in the form of commissions on granted credits. The Client pays no fees or charges to Finance Global Services.
On the Client's request, Finance Global Services will disclose the amount or calculation method of its remuneration before the credit contract is concluded.
4. Eligibility conditions
To benefit from Finance Global Services' services, the Client must cumulatively:
- Be an individual of legal age (18 years or over)
- Be legally resident in a Swiss canton or in the European Economic Area
- Hold a bank account domiciled in the EU/EEA
- Have legal capacity to contract
- Not be under guardianship or curatorship without authorisation from the legal representative
Final acceptance of a credit application is subject to the partner lending institution's approval according to its own lending criteria.
5. Application process
- Simulation: Use our simulator to estimate your monthly payment based on the desired amount (CHF 3,000 to CHF 500,000) and term (12 to 360 months).
- File submission: Complete the online application form with your personal and financial information.
- Analysis: Our advisors analyse your file and submit it to partners likely to finance you.
- Decision in principle: You receive a decision in principle within 24 business hours.
- File assembly: If the response is positive, you send the required supporting documents.
- Credit offer: The lending institution sends you a pre-contractual credit offer in accordance with Arts. 7 et seq. of the CCA (Federal Consumer Credit Act, LCC RS 221.214.1).
- Release of funds: After the legal 14-day reflection period and your signed acceptance, the funds are paid into your account.
6. Finance Global Services' obligations
Finance Global Services undertakes to:
- Provide clear, accurate and non-misleading information on the products offered
- Present the essential characteristics of available credit offers
- Assess the Client's situation conscientiously and professionally
- Comply with the duty to warn where credit is not suited to the Client's situation
- Communicate its remuneration on the Client's request before the contract is concluded
- Ensure the confidentiality of the Client's data in accordance with our privacy policy
- Respond to Client requests within a reasonable period (24 business hours)
7. Client's obligations
The Client undertakes to:
- Provide accurate, complete and up-to-date information when assembling the application file
- Not submit any false documents
- Inform Finance Global Services of any change in circumstances that may affect the application
- Not use the services for fraudulent or unlawful purposes
- Submit only one credit application at a time through Finance Global Services
Providing false information may result in criminal prosecution for fraud.
8. Right of withdrawal
In accordance with Art. 16 of the Federal Consumer Credit Act (CCA / LCC RS 221.214.1), the borrower has a 14-calendar-day right of withdrawal from the date of accepting the pre-contractual credit offer, without grounds and without penalty.
To exercise this right, simply return to the lending institution, by recorded delivery with acknowledgement of receipt, the detachable withdrawal form attached to the credit offer, or any statement unambiguously expressing the intention to withdraw.
The withdrawal applies to the credit offer concluded with the lending institution. Use of Finance Global Services' intermediation services (simulation, referral) does not give rise to a withdrawal right, as these services are free of charge.
9. Liability
Finance Global Services is liable for errors committed in the exercise of its credit intermediation mission, within the limits provided by law.
Finance Global Services is not liable for:
- Refusal to grant credit by the partner institution
- The pricing conditions and contractual clauses of the credit granted by the lending institution
- Consequences arising from false information provided by the Client
- Service interruptions caused by external factors (maintenance, force majeure, cyber attack)
10. Termination
The Client may terminate the relationship with Finance Global Services at any time and without charge by notifying their request by email to contact@financeglobalservices.com. Such termination ends ongoing steps but does not affect credits already concluded with partner institutions.
Finance Global Services reserves the right to refuse or discontinue its services in the event of non-compliance with these GTC, proven attempted fraud or abusive conduct.
11. Dispute resolution
In the event of a dispute between Finance Global Services and a Client, the parties shall endeavour to find an amicable solution.
In the absence of amicable resolution within 2 months, the consumer Client may resort free of charge to consumer mediation:
Mediator: Centre de Médiation et d'Arbitrage de Paris (CMAP)
39 avenue Franklin D. Roosevelt, 75008 Paris
Email: cmap@cmap.fr
Website: www.cmap.fr
Swiss online dispute resolution platform: ec.europa.eu/consumers/odr
Failing agreement, disputes will be submitted to the competent French courts in accordance with applicable law.
12. Amendments
Finance Global Services reserves the right to amend these GTC at any time. In the event of material changes, the Client will be informed by email with 30 days' notice. Use of the services after this period constitutes acceptance of the new GTC.
The applicable GTC are those in force at the date of the credit application. The version history is available on request at contact@financeglobalservices.com.
These GTC are governed by French and Swiss law.