Responsible Lending Policy

FLAVIUS INVESTISSEMENTS is committed to applying responsible lending principles by ensuring that financing solutions are provided in a transparent, fair and sustainable manner. This Responsible Lending Policy explains the principles followed by FLAVIUS INVESTISSEMENTS to protect borrowers, promote responsible borrowing practices and ensure that financing decisions are made with appropriate consideration of each applicant’s financial situation.

1. Commitment to Responsible Lending

FLAVIUS INVESTISSEMENTS considers responsible lending as a fundamental principle of its relationship with customers. The company aims to provide financing solutions that are appropriate to the borrower’s circumstances and financial capacity.

Before granting financing, FLAVIUS INVESTISSEMENTS carries out an assessment process designed to understand the applicant’s financial situation, evaluate repayment capacity and ensure that the proposed financing is suitable for the applicant’s needs.

The objective of this approach is to promote informed borrowing decisions and reduce the risk of financial difficulties resulting from unsuitable financing commitments.

2. Assessment of Borrower Financial Situation

Each financing application submitted to FLAVIUS INVESTISSEMENTS is subject to an individual assessment based on the information and documents provided by the applicant.

The assessment process may include verification of identity, professional situation, income, expenses, existing financial commitments, repayment capacity and any other relevant information required to evaluate the application.

Applicants are responsible for providing accurate, complete and up-to-date information to allow a fair and appropriate assessment of their financial situation.

3. Creditworthiness Assessment

FLAVIUS INVESTISSEMENTS evaluates the ability of each applicant to meet the repayment obligations associated with the requested financing.

The company considers relevant financial information before making a decision regarding the approval of a financing request.

A financing decision is not based solely on the applicant’s request but also on the results of the assessment procedures and compliance with applicable legal and regulatory requirements.

4. Transparent Information for Borrowers

FLAVIUS INVESTISSEMENTS is committed to providing borrowers with clear and understandable information regarding the characteristics of financing solutions before they enter into any contractual commitment.

Borrowers receive information relating to the loan amount, interest rate, repayment period, repayment obligations, applicable costs and other relevant contractual conditions.

The company encourages applicants to carefully review all information provided and to ensure that they fully understand their commitments before accepting any financing agreement.

5. Prevention of Over-Indebtedness

FLAVIUS INVESTISSEMENTS takes reasonable measures to prevent situations where borrowers may undertake financial commitments that are incompatible with their repayment capacity.

The company encourages borrowers to carefully evaluate their personal financial situation, income stability and existing obligations before requesting financing.

Applicants should only request financing when they reasonably believe they will be able to meet the repayment obligations arising from the loan agreement.

6. Protection of Borrowers

FLAVIUS INVESTISSEMENTS respects the rights of borrowers and applies procedures designed to ensure fair treatment throughout the financing process.

The company provides borrowers with access to relevant information and ensures that financing decisions are handled in a consistent, transparent and professional manner.

Borrowers may request clarification regarding any aspect of their financing application or contractual obligations.

7. Fraud Prevention and Compliance

As part of its commitment to responsible financial practices, FLAVIUS INVESTISSEMENTS applies procedures relating to customer identification, document verification, fraud prevention and compliance with applicable anti-money laundering and financial crime prevention requirements.

Applicants must provide genuine and accurate information throughout the financing process.

Any attempt to provide false information or fraudulent documentation may result in the rejection of the application and may lead to further action in accordance with applicable laws.

8. Responsible Communication

FLAVIUS INVESTISSEMENTS ensures that communications relating to its financing solutions are presented in a clear, accurate and responsible manner.

The company avoids misleading information and ensures that borrowers are informed about the conditions, obligations and risks associated with entering into a financing agreement.

Marketing and informational materials are designed to help customers make informed decisions.

9. Borrower Responsibilities

While FLAVIUS INVESTISSEMENTS is committed to responsible lending practices, borrowers remain responsible for carefully considering their financial situation before entering into a loan agreement.

Borrowers must provide accurate information, review contractual documentation carefully and comply with repayment obligations once financing has been granted.

A borrower should not enter into a loan agreement unless they are confident that they can meet the repayment commitments associated with the financing.

10. Continuous Improvement

FLAVIUS INVESTISSEMENTS regularly reviews its internal procedures, customer processes and risk management practices to maintain high standards of responsible lending.

The company remains committed to adapting its practices in accordance with changes in legislation, regulatory expectations and customer protection requirements.

11. Credit Warning

A loan is a commitment that must be repaid. Before entering into a credit agreement, borrowers should assess their repayment capacity and ensure that the financing is appropriate for their financial situation.

12. Contact

For any question regarding this Responsible Lending Policy or responsible financing practices, users may contact:

FLAVIUS INVESTISSEMENTS
22 Avenue Montaigne
75008 Paris
France

Email: services@flaviusinvestment.com
Telephone: +33 6 44 68 08 92