These Loan Terms and Conditions define the general principles applicable to financing solutions offered by FLAVIUS INVESTISSEMENTS and establish the rights and obligations of the lender and the borrower throughout the financing process. These terms are intended to provide borrowers with clear information regarding loan applications, eligibility requirements, contractual procedures, repayment obligations and the conditions applicable to financing agreements.
1. General Principles
FLAVIUS INVESTISSEMENTS provides financing solutions in accordance with its corporate purpose, contractual commitments and the legal and regulatory framework applicable to its activities.
Any loan agreement entered into between FLAVIUS INVESTISSEMENTS and a borrower is governed by the specific contractual documentation provided to the borrower and accepted by both parties.
These Loan Terms and Conditions apply in addition to the individual terms stated in each financing agreement, including the approved loan amount, applicable interest rate, repayment period, repayment schedule and any other contractual conditions.
2. Loan Application Process
Any person wishing to obtain financing from FLAVIUS INVESTISSEMENTS must submit a loan application and provide the information and documents required for the assessment process.
The borrower agrees to provide accurate, complete and truthful information relating to their identity, financial situation, income, professional situation and any other information necessary for the evaluation of the application.
The submission of a loan application does not constitute an obligation for FLAVIUS INVESTISSEMENTS to grant financing. Each application is subject to an individual review and approval process.
3. Eligibility Requirements
Loan eligibility is determined based on the applicant’s personal and financial circumstances, repayment capacity, compliance with applicable requirements and the results of the verification procedures carried out by FLAVIUS INVESTISSEMENTS.
The borrower must meet the conditions applicable to the requested financing and provide all documents required to complete the assessment of the application.
FLAVIUS INVESTISSEMENTS reserves the right to refuse a financing request where eligibility requirements are not satisfied or where the information provided does not allow a proper assessment of the application.
4. Verification and Compliance Procedures
Before entering into a loan agreement, FLAVIUS INVESTISSEMENTS may carry out identity verification, document verification, financial assessment procedures and any other checks required under applicable legal and regulatory obligations.
These procedures may include customer identification, fraud prevention measures, anti-money laundering controls and verification of the origin of funds where required.
The borrower agrees to cooperate fully with these procedures and provide any additional information reasonably requested.
5. Loan Offer and Contract Formation
Following completion of the assessment process, FLAVIUS INVESTISSEMENTS may issue a financing offer containing the main terms and conditions applicable to the proposed loan.
The loan agreement becomes effective only after acceptance by the borrower and completion of all required contractual formalities.
The contractual documentation specifies, in particular, the loan amount, interest rate, repayment period, repayment schedule, applicable charges, borrower obligations and other relevant conditions.
6. Loan Amount and Interest Rate
The amount granted under a loan agreement is determined according to the borrower’s eligibility, financial situation and the approval decision made by FLAVIUS INVESTISSEMENTS.
The applicable interest rate is specified in the loan agreement and remains fixed or variable according to the terms expressly agreed between the parties.
The borrower acknowledges that interest and any applicable costs form part of the total cost of the financing and agrees to repay the amounts due according to the contractual schedule.
7. Administrative Fees and Applicable Costs
Where applicable, administrative fees, processing costs or other charges related to the preparation and management of the loan file are communicated to the borrower before contractual acceptance.
Any applicable fees are specified in the contractual documentation and must be accepted by the borrower before the completion of the financing process.
The borrower is informed of all applicable costs in accordance with transparency requirements applicable to financial services.
8. Disbursement of Funds
The release of loan funds takes place after completion of all contractual conditions, verification procedures and required formalities.
The borrower will be informed of the steps necessary for the completion of the disbursement process.
FLAVIUS INVESTISSEMENTS transfers the approved loan funds according to the payment details provided and validated during the financing process.
9. Borrower Repayment Obligations
The borrower undertakes to repay the loan amount, interest and any applicable charges according to the repayment schedule established in the loan agreement.
The borrower must ensure that sufficient funds are available on the agreed payment dates to meet repayment obligations.
Failure to comply with repayment obligations may result in the application of contractual consequences provided for in the loan agreement and applicable regulations.
10. Early Repayment
The borrower may request early repayment of the outstanding loan amount in accordance with the conditions provided by the applicable contractual framework and applicable legislation.
Any consequences or applicable conditions relating to early repayment will be communicated to the borrower before completion of the repayment operation.
11. Borrower Rights and Responsibilities
The borrower has the right to receive clear information regarding the characteristics and conditions of the proposed financing.
The borrower is responsible for carefully reviewing all contractual documents before acceptance and ensuring that the loan commitments are compatible with their financial situation.
The borrower must immediately inform FLAVIUS INVESTISSEMENTS of any significant change affecting their ability to meet repayment obligations.
12. Responsible Lending
FLAVIUS INVESTISSEMENTS applies responsible lending principles by assessing each financing request and considering the borrower’s ability to repay.
The company provides borrowers with the information necessary to understand the consequences of entering into a loan agreement.
A loan is a commitment that must be repaid. Check your repayment capacity before committing yourself.
13. Fraud Prevention and Legal Compliance
FLAVIUS INVESTISSEMENTS applies procedures designed to prevent fraud, money laundering, terrorist financing and misuse of financial services.
The borrower agrees to provide genuine information and authentic documents throughout the financing process.
Any fraudulent activity may result in the termination of the application process and may be reported to the competent authorities where required by law.
14. Modification of Loan Terms
Any modification to the terms of an existing loan agreement must be agreed upon in accordance with the contractual provisions and applicable regulations.
Changes to loan conditions may only take effect after formal acceptance by the parties concerned.
15. Applicable Law
Loan agreements entered into with FLAVIUS INVESTISSEMENTS are governed by the applicable laws and regulations of the relevant jurisdiction specified in the contractual documentation.
Any dispute relating to the interpretation or execution of a loan agreement shall be handled in accordance with the applicable dispute resolution procedures.
16. Contact
For any question relating to these Loan Terms and Conditions or an existing financing application, borrowers may contact:
FLAVIUS INVESTISSEMENTS
22 Avenue Montaigne
75008 Paris
France
Email: services@flaviusinvestment.com
Telephone: +33 6 44 68 08 92