Terms & Conditions

European Terms of Use

Effective Date: February 15, 2024

These Terms of Use for our website apply whether you reside within the European Economic Area (EEA), Switzerland, or the United Kingdom, or outside the EEA.

These Terms of Use (“Terms”) govern your use of our website and all services provided by GM FINANCIAL GROUP LTD for professionals or individuals, applications, software, technology, and websites (“Services”), including non-commercial, personal use of our Services by consumers.

Our Business Terms govern specific, personalized agreements between the Company and its clients regarding business-related services.

Our Privacy Policy explains how we collect and use personal information. Although it is not part of these Terms, it is an important document to review.

1. Who We Are

GM FINANCIAL GROUP LTD is a legal entity with its registered office at 3 Cardinal Point, Park Road, Rickmansworth WD3 1RE, England, Company Registration Number: 15521671 (Companies House), engaged, among other activities, in the “PROVIDING SERVICES TO BUSINESSES”. Our Services are provided to you as follows:

At GM FINANCIAL GROUP LTD (referred to as “the Company,” “we,” “our,” or “us”), we connect professionals/consumers with international financial companies—lenders for financial solutions and commercial loan services.

Through its website, the Company offers visitors valuable information on the economy industry, services, news, articles, and advice. Our goal is to inform you with the information provided “as is,” with no warranties, expressed or implied. All decisions regarding your financial choices rest solely on your judgment and responsibility. We encourage you to evaluate these details independently and make your decisions only after substantiating them.

2. Additional Terms Specific to the Services

User Responsibility
To use any of our services, you must be a professional and at least 18 years of age. By using this website, you expressly agree to our Terms of Use, including the Privacy Policy.

3. Registration and Access

– Minimum Age: You must be at least 18 years old or the minimum legal age required in your country to consent to use the Services. If you are under 18, you must have parental or guardian permission to use the Services and have them review these Terms with you.
– Registration: You must provide accurate and complete information to work with us and use our Services. You are responsible for the accuracy of your information and all activities conducted within our collaboration. If you contact us—by submitting a form on behalf of another person or entity, (a) you must be authorized by the three party, (b) inform us of this, and (c) accept these Terms on their behalf.

4. Use of Our Services

– Permitted Actions: Subject to your compliance with these Terms, you may access and use our Services. In doing so, you must comply with all applicable laws, as well as the above terms and our Company policies.

– Prohibited Actions: You may not use our Services for any illegal, harmful, or abusive activity.

Examples of prohibited actions include:
1. Using our Services in a way that infringes, misuses, or violates the rights of any party.
2. Modifying, copying, renting, selling, or distributing any of our Services.
3. Attempting or assisting others to contact financial institutions, lenders, and other legal entities or organizations that will be disclosed during our collaboration—these “Information” are protected as trade secrets (unless prohibited by applicable law).
4. Interfering with or disrupting our Services, including circumventing any privacy or general restrictions, or bypassing any protective or security mitigation measures in place.
5. Submitting feedback regarding our Services while requesting compensation.

5. Content You Submit

– Your Content: You may contribute to the Services (“Contribution”) and receive outcomes from the Services based on the Contribution (“Result”). The Contribution and Result collectively constitute “Content.” You are responsible for ensuring that the Content complies with applicable law and these Terms. You declare and warrant that you have all rights, permissions, and authorizations necessary to contribute to our Services.

6. Our Intellectual Property Rights

Our Company owns extensive content, including texts, news, graphics, photos, designs, illustrations, and services. All such content is our intellectual property, protected by European and international laws. We value your trust and aim to ensure you can use our website legally and responsibly.

Therefore, please note:
– You may not reproduce, republish, copy, store, sell, transmit, distribute, publish, perform, download, translate, or modify our content in any way, in whole or in part, without our written consent.
– Storing and copying portions of the content on a personal computer for strictly personal use, without commercial or other exploitation, is permitted. “In every instance, the source of the content must be acknowledged.”
– We respect others’ intellectual property rights and ask you to do the same.

7. Our Commitments to You

– How We Provide Services: We are committed to providing Services with reasonable skill and care and to acting with professional diligence. We do not promise to offer Services indefinitely or in their current form for any specific period.
– Liability: Provided we have acted with professional diligence, we are not liable for any loss or damage caused by us unless:
– it resulted from our breach of these Terms, or
– it was reasonably foreseeable at the time of entering into these Terms.
– We accept no liability for losses or damages caused by events beyond our reasonable control. We do not exclude or limit our liability to you in any way that would be unlawful. You retain full protection under applicable law.

8. Resolution of Disputes

– Concerns: In case of a dispute, we would like to understand and address your concerns before formal legal action. To share your concerns, contact us through our Contact form.
– If we cannot resolve the issue, you or we may take the matter to court.

9. Confidentiality

Confidentiality and trade secret protection are fundamental to our Company, ensuring our competitive position and reliability. While working with us, you must maintain strict confidentiality regarding sensitive data shared with you. Unauthorized disclosure or use of this information to benefit you or any third party without our written consent may result in significant financial and legal consequences, loss of profits, and damage to our reputation, automatically triggering civil and criminal proceedings. Each party is fully responsible for any harm to the Company from the misuse or disclosure of confidential information. We believe in honest, mutually beneficial collaboration, considering confidentiality essential to cultivating healthy, productive relationships.

10. General Terms

– Assignment: You may not assign or transfer rights or obligations under these Terms. We may assign or transfer our rights or obligations under these Terms to any affiliate, subsidiary, or successor regarding any business related to our Services. In such cases, your rights as a consumer will not be affected. If you are unsatisfied, you may terminate your relationship with our Company and stop using our Services at any time.

– Changes to these Terms or Our Services: We continuously develop and improve our Services. Accordingly, we may update these Terms or our Services from time to time. For instance, we may make changes to these Terms or Services due to:
– Changes in laws or regulatory requirements.
– Security or protection reasons.
– Events beyond our reasonable control.
– Changes in the ordinary course of Service development.
– To adapt to new technologies.

– Indemnification: If you are a business or organization, to the extent permitted by law, you will indemnify and protect us, our affiliates, and our staff from any costs, damages, liabilities, and expenses (including attorneys’ fees) for third-party claims arising from or related to your use of the Services and Content or any violation of these Terms.

11. Governing Law (Business Use)

Greek law will govern these Terms, except for conflicts of law principles. If any part of these Terms is deemed invalid or unenforceable, it will not affect the enforceability of any other part. All claims arising from or related to these Terms will be exclusively submitted to the Courts of Athens.

Last Updated: 2025/03/26 – v. 02503