Terms & Conditions

Welcome to Glinxx. These Terms and Conditions ("Terms") govern your access to and use of the Glinxx website and lending services. By submitting an application or using our platform, you acknowledge that you have read, understood, and agree to be bound by these Terms. If you do not agree, please do not use our services.

Services

Glinxx provides online consumer and business lending services including personal loans, business loans, and home financing. All lending services are subject to eligibility assessment, credit evaluation, and approval at our sole discretion. Submitting an application does not guarantee approval or any specific terms.

Eligibility

To apply for our services, you must: Be at least 18 years of age, Be a legal resident of a European Union or EEA member state, Have a verifiable and regular source of income, Hold a valid bank account in your country of residence, Not be subject to insolvency proceedings

Application Process

All information provided in your application must be accurate, complete, and truthful. Providing false, misleading, or incomplete information may result in immediate application denial, loan cancellation, or legal action. You authorize Glinxx to verify the information provided using third-party services, including credit reference agencies.

Interest Rates and Fees

Interest rates are determined based on your individual credit profile, loan amount, and selected term. All applicable rates, fees, and total cost of credit will be clearly disclosed in your personalized loan offer before acceptance. There are no hidden charges. Representative APR examples are provided for illustrative purposes and may differ from your individual rate.

Repayment

Loan repayments are due on the scheduled dates outlined in your loan agreement. Payments are collected via direct debit. Early repayment is permitted at any time without penalty. Failure to make scheduled payments may result in additional charges as specified in your agreement and may be reported to credit reference agencies.

Cooling-Off Period

In accordance with EU Consumer Credit Directive, you have a 14-day cooling-off period after signing your loan agreement during which you may withdraw without penalty. If you withdraw, you must repay the principal and any accrued interest within 30 days.

Data Protection

We process your personal data in accordance with the General Data Protection Regulation (GDPR) and applicable national data protection laws. For full details on how we collect, use, store, and protect your data, please refer to our Privacy Policy.

Limitation of Liability

To the fullest extent permitted by law, Glinxx shall not be liable for any indirect, incidental, special, or consequential damages arising from your use of our services. Nothing in these Terms excludes liability for death or personal injury caused by negligence, fraud, or any liability that cannot be excluded under applicable law.

Governing Law

These Terms are governed by and construed in accordance with the laws of France. Any disputes shall be subject to the exclusive jurisdiction of the courts of France, without prejudice to your rights under EU consumer protection regulations to bring proceedings in your country of residence.

Changes to Terms

We reserve the right to modify these Terms at any time. Material changes will be communicated via email or prominent notice on our website at least 30 days before they take effect. Continued use of our services after changes become effective constitutes acceptance of the modified Terms.

Contact

For questions regarding these Terms and Conditions, please contact us at our contact page or email info@glinxx.com. Our registered address is 15 Rue de Camberley, 94370 Sucy-en-Brie, France.