GENERAL TERMS AND CONDITIONS OF USE

Last updated: 21/01/2026

Welcome to Istituto Valnero Capital (hereinafter referred to as the “Website”). These General Terms and Conditions of Use (hereinafter referred to as the “Terms”) govern users’ access to and use of the Website. By accessing and using the Website, users fully accept these Terms.

If users do not agree with one or more provisions of these Terms, they are requested not to use the Website.

1. Purpose of the Website

The Website provides information about the financing products and services offered and allows users to:

• Browse credit offers
• Calculate loan simulations
• Submit contact requests
• Upload documents for preliminary assessments
• Obtain assistance

The Website does not constitute a personalised financial advisory service unless otherwise specified by contractual agreement.

2. Definitions

For the purposes of these Terms:

• User: Any individual who accesses or uses the Website.
• Service: All informational and interactive features made available through the Website.
• Content: Texts, images, data, documents and any other material published on the Website.

3. Access to the Website

Access to the Website is free of charge. Certain services may require users to complete forms, submit documents or verify personal information.

The Website is accessible 24/7, except during technical maintenance or in cases of force majeure. The Website operator does not guarantee uninterrupted access or the absence of technical malfunctions.

4. Permitted Use

Users agree to use the Website in compliance with applicable laws and these Terms.

The Website must not be used for:

• Fraudulent or unlawful activities
• Attempts to gain unauthorised access to systems
• Submitting false or altered information
• Unauthorised copying or reuse of content
• Compromising the security of the Website

Any unlawful use may be reported to the competent authorities.

5. Financial Information

Loan simulations and information published on the Website are indicative only and do not constitute a binding contractual offer.

Each financing application is subject to:

• Creditworthiness assessment
• Document verification
• Final approval by the lending institution

The Website does not guarantee the automatic approval of applications.

6. Data Collection and Processing

The use of certain features requires users to provide personal data.

The processing of personal data is governed by the Privacy Policy and complies with applicable regulations, including the GDPR and relevant national legislation.

Users declare that the information they provide is accurate, up to date and complete.

7. Intellectual Property Rights

All Website content (including texts, graphics, trademarks, logos, software, etc.) is protected by intellectual property laws.

Without prior written authorisation, the following are prohibited:

• Copying
• Reproduction
• Distribution
• Modification
• Commercial use

Downloading any materials made available on the Website is permitted for personal use only.

8. Links to Third-Party Websites

The Website may contain links to third-party websites.

The Website operator is not responsible for the content, policies or services provided by such websites, nor for any damage resulting from accessing or using them.

9. Liability

The Website operator shall not be held liable for:

• Interruptions, bugs or technical errors
• Direct or indirect damages resulting from the use of the Website
• Data loss or unauthorised access
• Incorrect or outdated information

Users remain responsible for their use of the Website and for the accuracy of the information they submit.

10. Changes to Services and Terms

The Website operator reserves the right to:

• Modify the Website's features
• Update its content
• Amend these Terms

Any changes will be published on the Website and will take effect upon publication.

Users are advised to review these Terms regularly.

11. Applicable Law and Jurisdiction

These Terms are governed by Italian law.

In the event of a dispute between the Website operator and a user, exclusive jurisdiction shall lie with the competent court at the location of the operator's registered office, unless otherwise provided by applicable law.

12. Contact

For any enquiries or reports concerning the Website, users may contact:

Email: support@istitutovalnero-capital.com
Address: Catalonia, Spain