Disclaimer
Article 1 – Purpose
Creditinterimaire.com publishes general information on loans for temporary agency workers, loans without a permanent employment contract, mortgage and car financing, microcredit and financial assistance for temporary workers.
Article 2 – No banking activity
The site is neither a bank, nor a credit institution, nor a broker or financial intermediary. It grants no loans, receives no deposits and negotiates no financing.
Article 3 – No personalised advice
The information published does not constitute individualised banking, financial, tax or legal advice. Users must assess their income, their periods without assignments and their repayment capacity before entering into any commitment.
Article 4 – Accuracy of information
Interest rates, APRs, fees, guarantees, eligibility conditions and assistance schemes may change. The publisher does not guarantee that the information is permanently accurate or complete. Simulations are indicative only.
Article 5 – No guarantee of financing
The presentation of a loan for temporary agency workers guarantees neither that it will be obtained, nor that an application without a permanent contract will be accepted, nor any particular rate.
Lending institutions assess in particular the regularity of assignments, income, expenses and creditworthiness.
The solutions offered by the FASTT and its partners remain subject to their own eligibility and acceptance conditions.
Article 6 – Limitation of liability
To the extent permitted by law, the publisher is not liable for contracts concluded independently with third parties, refusals of financing, differences in rates, repayment difficulties or financial losses resulting from users' decisions.
Nothing herein excludes any liability whose exclusion is prohibited by law, in particular in the event of fraud, wilful misconduct or deceptive practice attributable to the publisher.
Article 7 – Updates
The publisher may modify, correct or remove its content. Users must confirm financing conditions with the relevant financial institutions and competent bodies.
Article 8 – External links and advertising
Links to banks, credit institutions, brokers, associations and support organisations constitute neither a certification nor a personalised recommendation. Advertisements are distinct from editorial content.
Article 9 – Borrowers' legal rights
Borrowers' rights remain preserved in accordance with the French Consumer Code, the French Monetary and Financial Code and the other applicable provisions.
They concern in particular pre-contractual information, the APR, creditworthiness assessment, protection against deceptive practices and rights of withdrawal where applicable.
The employment law protections relating to temporary agency workers also remain applicable.
Article 10 – Editorial independence
Consulting the site creates no contractual relationship of lending, brokerage or financial advice.
The mention of a bank, the FASTT, a temporary employment agency or a public body does not constitute evidence of a partnership, mandate or official recognition.
Article 11 – Prevention of fraud and over-indebtedness
Users must verify the identity and authorisations of lenders and intermediaries with the competent registers, in particular REGAFI and ORIAS depending on the activities concerned.
Particular vigilance is recommended with regard to fake loans for temporary agency workers, financing allegedly guaranteed without a permanent contract, suspicious requests for upfront fees and offers without any creditworthiness check.
Temporary agency workers must take account of interruptions between assignments, fluctuations in income and their expenses before taking out a loan.
A new loan may worsen a fragile financial situation.
The site guarantees no third-party offer. Any potential liability of the publisher remains subject to the applicable legislation.
Publisher : VP Limited
Editorial manager : N. Frik
Contact : info@creditinterimaire.com
Website : https://www.creditinterimaire.com/