Terms & Conditions

1. Introduction

These Terms and Conditions ("Terms") govern your use of the wolters group website and services. By accessing or using our services, you agree to be bound by these Terms.

2. Definitions

• "Service" refers to the loan application and processing services provided by wolters group
• "User" means any person accessing or using our services
• "Loan Agreement" means the separate agreement governing any loan provided
• "Website" refers to woltersgroup.com and related platforms

3. Eligibility

To use our services, you must:

• Be at least 18 years old
• Be a resident of Germany, Austria, or the Netherlands
• Have a valid bank account
• Have regular income
• Pass our credit assessment

4. Loan Application Process

4.1 Application Submission

• You must provide accurate and complete information
• We may verify your information through third parties
• Submission does not guarantee approval

4.2 Credit Assessment

• We conduct credit checks with authorized agencies
• Your credit score may be affected
• We reserve the right to reject applications

5. Interest Rates and Fees

• Interest rates are determined based on creditworthiness
• All fees are disclosed before loan acceptance
• Late payment fees may apply
• Early repayment is permitted without penalties

6. Repayment Terms

• Payments are made via direct debit
• Payment dates are specified in the loan agreement
• Missed payments may affect your credit score
• Contact us immediately if you experience payment difficulties

7. User Obligations

You agree to:

• Provide accurate information
• Update your contact details when they change
• Use the service for lawful purposes only
• Maintain the security of your account
• Not share your login credentials

8. Privacy and Data Protection

• We process data in accordance with GDPR
• Your data is protected as described in our Privacy Policy
• We share data only as permitted by law
• You have rights regarding your personal data

9. Intellectual Property

• All content on the website is our property
• You may not copy or reproduce content without permission
• Our trademarks and logos are protected

10. Limitation of Liability

• We provide services "as is" without warranties
• We are not liable for indirect damages
• Our liability is limited by applicable law

11. Termination

We may terminate or suspend access to our service immediately, without prior notice or liability, for any reason, including:

• Breach of these Terms
• Fraudulent activity
• Legal requirements

12. Changes to Terms

• We may modify these Terms at any time
• Changes will be effective upon posting
• Continued use constitutes acceptance

13. Governing Law

These Terms are governed by German law. Any disputes shall be subject to the exclusive jurisdiction of the courts in Berlin, Germany.

14. Contact Information

For questions about these Terms, contact us at: