These Terms govern use of CreditGo, a mobile app service operated by Digital Gambit SL for access to personal credit and loan services.
1. Service provider
Digital Gambit SL, with address at San Severiano 39, Cádiz, 11007, España and CIF B22803928, operates CreditGo as the legal service provider.
The official domain for CreditGo is creditgo.me. Official contact for every purpose is info@creditgo.me.
2. Eligibility
Users must be legally capable of entering into contracts and must meet any age, residency, identity, income, banking, and regulatory requirements shown in the app.
CreditGo may restrict access where use would breach applicable law, compliance requirements, fraud-prevention controls, or service availability rules.
3. Account use
Users must provide accurate, current, and complete information and keep account credentials confidential.
Users are responsible for activity under their account and must notify CreditGo if they suspect unauthorized access.
Users must not misuse the service, interfere with security, submit false information, or attempt to access another user's data.
4. Loan application process
CreditGo may collect information needed to present, route, support, or assess personal credit and loan service requests.
Submitting information in the app does not guarantee that a loan offer will be made or accepted.
Final loan approval depends on eligibility, identity verification, affordability checks, risk analysis, and applicable law.
5. Identity and affordability checks
Users may be asked to complete identity verification, anti-fraud checks, income or employment checks, bank account checks, creditworthiness checks, and affordability assessments.
A loan provider or partner may use additional information, third-party services, or legally permitted databases to assess an application.
CreditGo does not encourage borrowing beyond the user's ability to repay.
6. Loan terms and acceptance
Any final loan amount, APR/TAE, repayment schedule, fees, due dates, and provider terms are shown before the user accepts a loan offer.
No repayment is required before the agreed due date for an accepted loan offer.
Users should review all terms carefully before accepting any loan offer.
7. User obligations
Users must use CreditGo lawfully and only for their own legitimate personal credit needs.
Users must not submit misleading, incomplete, or fraudulent information.
Users are responsible for understanding and complying with any loan agreement they choose to accept.
8. Service availability
CreditGo may update, suspend, or discontinue parts of the service for maintenance, security, operational, legal, or commercial reasons.
Availability of loan services may depend on country, partner coverage, eligibility criteria, device support, and applicable law.
9. Termination
Users may stop using CreditGo at any time and may request deletion of personal data subject to legal retention requirements.
Digital Gambit SL may suspend or terminate access where there is suspected misuse, fraud, legal risk, non-compliance, or breach of these Terms.
10. Limitations
CreditGo is provided with reasonable care, but Digital Gambit SL does not promise uninterrupted or error-free operation.
To the extent permitted by law, Digital Gambit SL is not responsible for losses caused by user misuse, inaccurate user information, third-party provider decisions, external network failures, or events outside its reasonable control.
Nothing in these Terms excludes liability that cannot be excluded under applicable law.
11. Governing law
These Terms are governed by the laws of Spain, without prejudice to any mandatory consumer-protection rights that may apply in the user's country of residence.
Courts and authorities with competent jurisdiction will handle disputes according to applicable law.
12. Contact
For questions about these Terms or CreditGo services, contact Digital Gambit SL at info@creditgo.me.
