Terms of Service

1. Acceptance of Terms

By accessing and using the services provided by Gracia Capital ("we," "our," or "us"), you agree to be bound by these Terms of Service and our Privacy Policy. If you do not agree with any part of these terms, you must not use our services.

These terms apply to all visitors, users, and others who access or use our services.

2. Services Description

Gracia Capital provides financial services including:

• Personal loans and credit facilities
• Mortgage loans and real estate financing
• Business loans and commercial financing
• Auto loans and vehicle financing
• Debt consolidation services
• Financial advisory services

All services are subject to credit approval and regulatory requirements.

3. Eligibility

To use our services, you must:

• Be at least 18 years of age
• Have legal capacity to enter into binding contracts
• Reside in our service area
• Provide accurate and complete information
• Meet our credit and underwriting criteria

We reserve the right to refuse service to anyone for any reason at any time.

4. Account Registration

When you create an account with us, you must:

• Provide accurate, current, and complete information
• Maintain and promptly update your account information
• Maintain the security of your password and account
• Notify us immediately of any unauthorized use
• Accept responsibility for all activities under your account

We reserve the right to disable any user account at our sole discretion.

5. Loan Applications

5.1 Application Process

All loan applications are subject to:

• Credit assessment and verification
• Income and employment verification
• Debt-to-income ratio analysis
• Regulatory compliance checks
• Internal underwriting standards

5.2 Application Fees

We do not charge application fees for standard loan applications. However, certain specialized services may involve administrative fees, which will be clearly disclosed before you incur any charges.

5.3 Approval and Disbursement

Loan approval is not guaranteed and is subject to our underwriting criteria. Approved loans will be disbursed according to the terms specified in your loan agreement.

6. Interest Rates and Fees

6.1 Interest Rates

Interest rates are determined based on:

• Your credit profile and history
• Loan amount and duration
• Current market conditions
• Type of loan product

All rates are expressed as Annual Percentage Rate (APR) and will be clearly disclosed in your loan agreement.

6.2 Fees

We are committed to transparency in our fee structure. Potential fees may include:

• Late payment fees
• Returned payment fees
• Early repayment fees (where applicable)
• Administrative fees for specialized services

All fees will be clearly disclosed in your loan agreement.

7. Repayment Terms

Loan repayment terms include:

• Monthly installment payments
• Fixed or variable interest rates as specified
• Payment due dates as outlined in your agreement
• Grace periods for late payments (if applicable)
• Early repayment options and conditions

Failure to make timely payments may result in late fees and impact your credit score.

8. Privacy and Data Protection

We are committed to protecting your privacy and personal data. Our data collection, use, and protection practices are detailed in our Privacy Policy.

By using our services, you consent to our collection and use of your personal information as described in our Privacy Policy.

9. Intellectual Property

All content, features, and functionality on our website and services, including but not limited to text, graphics, logos, images, and software, are the exclusive property of Gracia Capital and are protected by international copyright, trademark, and other intellectual property laws.

You may not reproduce, distribute, modify, or create derivative works without our express written permission.

10. Prohibited Uses

You may not use our services:

• For any unlawful purpose or to solicit others to perform illegal acts
• To violate any international, federal, provincial, or state regulations, rules, laws, or local ordinances
• To infringe upon or violate our intellectual property rights or the intellectual property rights of others
• To harass, abuse, insult, harm, defame, slander, disparage, intimidate, or discriminate
• To submit false or misleading information
• To upload or transmit viruses or any other type of malicious code
• To collect or track the personal information of others
• For any obscene or immoral purpose
• To interfere with or circumvent the security features of our services

11. Limitation of Liability

To the fullest extent permitted by applicable law, Gracia Capital shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including without limitation, loss of profits, data, use, goodwill, or other intangible losses, resulting from:

• Your access to or use of or inability to access or use the services
• Any conduct or content of any third party on the services
• Any content obtained from the services
• Unauthorized access, use, or alteration of your transmissions or content

12. Disclaimer of Warranties

Our services are provided on an "as is" and "as available" basis. Gracia Capital makes no representations or warranties of any kind, express or implied, as to the operation of our services, or the information, content, materials, or products included therein.

You expressly agree that your use of our services is at your sole risk.

13. Indemnification

You agree to indemnify, defend, and hold harmless Gracia Capital and our affiliates, partners, officers, directors, agents, contractors, licensors, service providers, subcontractors, suppliers, interns, and employees from any claim or demand, including reasonable attorneys' fees, made by any third party due to or arising out of your breach of these Terms of Service or your violation of any law or the rights of a third party.

14. Termination

We may terminate or suspend your account and bar access to our services immediately, without prior notice or liability, under our sole discretion, for any reason whatsoever and without limitation, including but not limited to a breach of the Terms.

If you wish to terminate your account, you may simply discontinue using our services.

15. Governing Law

These Terms shall be governed and construed in accordance with the laws of the Netherlands, without regard to its conflict of law provisions.

Our failure to enforce any right or provision of these Terms will not be considered a waiver of those rights.

16. Changes to Terms

We reserve the right, at our sole discretion, to modify or replace these Terms at any time. If a revision is material, we will provide at least 30 days' notice prior to any new terms taking effect. What constitutes a material change will be determined at our sole discretion.

By continuing to access or use our services after those revisions become effective, you agree to be bound by the revised terms.

17. Contact Information

If you have any questions about these Terms of Service, please contact us: