General Terms of Use and Loan

1. Purpose of the Website

The Pretisys website aims to present the various financing offers proposed by our agency and allow users to submit credit applications online. Use of the site implies full acceptance of these general terms.

2. Borrowers Eligibility Conditions

To submit a loan application on Pretisys, the borrower must:

• Be an adult individual with legal capacity.
• Reside in one of the authorized countries of operation (France, Belgium, Switzerland, Canada, etc.).
• Have regular and justifiable income.
• Not be registered on Central Bank payment incident files.

3. Application Process and Decision in Principle

The simulation performed on the site has no contractual value. It serves as an indicative estimate of monthly payments and APR.

Any online validated application is subject to creditworthiness analysis. Pretisys reserves the sovereign right to accept or reject a credit application without obligation to justify its refusal. Initial approval constitutes a decision in principle, subject to validation of the accuracy of the supporting documents provided later.

4. Interest Rates and Fees

Applied interest rates (fixed APR) are determined by loan type and transparently shown during application. The interest rate remains fixed for the entire loan duration.

In accordance with legislation, no processing or brokerage fees can be demanded from an individual before the actual receipt and release of loan funds.

5. Borrower Obligations

The borrower commits to providing strictly accurate, sincere, and complete information. Any false declaration or document falsification constitutes fraud and will lead to immediate cancellation of the request, immediate demand of the outstanding capital, and potential legal prosecution.