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Terms & Conditions

Please read these terms carefully before using our services.

Last updated: January 15, 2025 — UFIPAR, 24 Rue Jean Goujon, 75008 Paris, France

1. Scope of Application

These Terms and Conditions ("Terms") govern the use of the website and services offered by UFIPAR (hereinafter "UFIPAR", "we", "us", or "our"). By accessing our website or submitting a loan application, you ("User", "Applicant", "you") agree to be bound by these Terms in their entirety. If you do not agree, please refrain from using our website or services.

2. Description of Services

UFIPAR acts as a loan intermediary, facilitating the connection between borrowers and licensed lending partners. Our services include:

  • Processing and evaluating personal, business, mortgage, auto, investment, and home equity loan applications
  • Providing personalised financing solutions tailored to individual client profiles
  • Advising clients on available loan products and repayment structures
  • Facilitating secure communication between applicants and lending institutions

UFIPAR does not itself grant credit but connects applicants with suitable lending partners. All final credit decisions rest with the relevant lending institution.

3. Loan Parameters

The following indicative parameters apply to loan applications submitted via UFIPAR:

  • Loan Amounts: From 1,000 to 5,000,000 EUR, USD, or CHF
  • Loan Terms: From 12 to 360 months (1 to 30 years)
  • Interest Rates: Starting from 2.75% to 3.5% per annum (fixed), subject to applicant profile and lender assessment

All rates, amounts, and terms displayed on this website are indicative only. The binding terms will be confirmed in a formal loan offer issued directly by the lending institution.

4. Eligibility Requirements

To be eligible to apply for a loan via UFIPAR, you must:

  • Be at least 18 years of age at the time of application
  • Reside in an eligible country within our service area
  • Have a verifiable and regular source of income
  • Hold a valid bank account in an eligible country
  • Provide accurate, truthful, and complete information in your application

5. Application Process

By submitting a loan application through our website, you authorise UFIPAR to:

  • Collect, store, and process the personal and financial information provided
  • Transmit your application details to one or more licensed lending partners for evaluation
  • Contact you by email or telephone in connection with your application
  • Perform identity and creditworthiness checks as required by applicable law

Submission of an application does not constitute a binding loan agreement and does not guarantee loan approval.

6. Accuracy of Information

You warrant that all information provided in your application is accurate, complete, and not misleading. Providing false or incomplete information may result in the rejection of your application, termination of any existing agreement, and may constitute a criminal offence under applicable law.

7. Fees and Costs

UFIPAR's loan intermediation services are free of charge to applicants. No upfront fees are charged for submitting an application. Any fees associated with the loan itself (e.g. origination fees, arrangement fees) will be clearly disclosed in the formal loan offer from the lending institution prior to signing any agreement.

8. Repayment and Default

Repayment is made in accordance with the schedule agreed in the formal loan contract. In the event of payment difficulties, you are strongly encouraged to contact your loan advisor at the earliest opportunity. Default may result in additional charges, adverse credit reporting, and legal action by the lending institution.

9. Early Repayment

You retain the right to repay your loan, in full or in part, ahead of the agreed schedule. Any applicable early repayment fees will be set out in your loan agreement and are determined by the lending institution in accordance with applicable consumer credit legislation.

10. Intellectual Property

All content on this website, including but not limited to text, graphics, logos, and software, is the property of UFIPAR or its licensors and is protected by applicable intellectual property laws. You may not reproduce, distribute, or use any content without prior written consent from UFIPAR.

11. Limitation of Liability

UFIPAR shall not be liable for any direct, indirect, incidental, or consequential damages arising from the use of our website, the submission of a loan application, or the denial of credit by a lending institution. We do not guarantee the availability, accuracy, or completeness of the information provided on this website.

12. Amendments

UFIPAR reserves the right to amend these Terms at any time. The most current version will always be available on this page. Your continued use of our services following any changes constitutes acceptance of the revised Terms.

13. Governing Law and Jurisdiction

These Terms are governed by the laws of France. Any disputes arising from or related to these Terms shall be subject to the exclusive jurisdiction of the courts of Paris, France.

14. Contact

For questions regarding these Terms, please contact us at: service@ufipar.finance — UFIPAR, 24 Rue Jean Goujon, 75008 Paris, France.