BinappTerms of Use
These Terms of Use (“Terms”) govern your use of the Binapp mobile application (the “App”) and the website binapp.sbs, operated by KREDIT STOP TOV (“we”, “us”). By downloading or using the App you agree to these Terms. If you do not agree, please do not use the App.
1. What Binapp is — and is not
Binapp is a free information and comparison service. It provides tools to estimate loan costs (a credit profile test and a loan calculator), a repayment calendar with reminders, a document checklist, and a list of loan offers from third parties.
We are not a lender, credit broker or financial advisor. We do not issue loans, do not accept loan applications, do not make credit decisions and do not guarantee that you will be approved for any loan.
2. Eligibility
You must be at least 18 years old and able to enter into a binding contract under the laws of your country to use the App.
3. Estimates are for guidance only
Test results, calculator figures and payment schedules are estimates based on the information you enter and on general assumptions. They are not an offer of credit, a credit assessment or financial advice. Actual amounts, rates, fees and dates are set by the lender in your loan agreement. Always check the agreement before signing.
4. Third-party offers
- Offers are provided by independent lenders and affiliate partners. When you open an offer you leave the App, and the lender’s own terms and privacy policy apply.
- We only list offers that, according to the information provided by partners, have a maximum annual percentage rate (APR) of 36% including fees, a minimum repayment term of 91 days and at least 3 instalments. Partners are responsible for the accuracy of their terms; the final APR depends on your application.
- We may receive a commission from partners when you follow a link to their offer. This does not affect the price you pay. The order of offers may take into account partner ratings and commercial relationships.
- We are not responsible for the products, services, decisions or actions of lenders and partners.
5. Repayment reminders
Reminders are a convenience feature. They depend on your device settings and on iOS, and may be delayed or not delivered. You remain responsible for making your loan payments on time.
6. Acceptable use
You agree not to misuse the App, including by attempting to interfere with its operation, reverse engineer it except where permitted by law, or use it for any unlawful purpose.
7. Intellectual property
The App, its design, texts and software belong to KREDIT STOP TOV or its licensors. We grant you a personal, non-exclusive, non-transferable licence to use the App on Apple devices you own or control, in accordance with Apple’s Media Services Terms.
8. Disclaimer and limitation of liability
The App is provided “as is” and “as available”. To the maximum extent permitted by law, we disclaim all warranties and are not liable for any indirect, incidental or consequential damages, or for any loss arising from your borrowing decisions, from information provided by third parties, or from reminders that were not delivered. Nothing in these Terms limits liability that cannot be limited under applicable law, including your statutory rights as a consumer.
9. Apple
These Terms are between you and KREDIT STOP TOV, not Apple. Apple is not responsible for the App or its content and has no obligation to provide support. Apple and its subsidiaries are third-party beneficiaries of these Terms and may enforce them against you.
10. Changes and termination
We may change the App or these Terms at any time. The updated Terms will be posted on this page with a new effective date. You may stop using the App at any time by deleting it.
11. Contact
KREDIT STOP TOV
Address: 1 of. 34 pr. Peremohy, Kyiv, 01135, Ukraine
Email: info@kreditstop.click