Terms and conditions






General conditions for using the website www.startcredit.md

“StartCredit” S.R.L., non-bank lending organization specialized in granting non-bank loans, headquartered in Chisinau, Bd. Constantin Negruzzi 6, registered at the Public Services Agency Department of Registration and Licensing of Law Units with identification number and fiscal code 1019600017777, in the Register of Authorized Non-Bank Lending Organizations kept by the National Financial Market Commission under number d / o 141, operator with personal data registered under no.0002407.

The owner retains all rights (including copyright, trademarks, and any other intellectual property rights) in relation to the information provided through or on this website.Reproduction, distribution or publication in any form of the content of the materials presented on this website, by any other person, without the prior written consent of the O.C.N. “StartCredit” S.R.L are restricted.

It is not permitted to use this website in a way that would prevent its use by other internet users, which could jeopardize the operation of this website and / or affect the information provided on or through this website or the software. on which it is based.

Any attempt of any kind to modify the information in this website, as well as the creation of links, without the prior written consent of the O.C.N. “StartCredit” S.R.L., entitles O.C.N. “StartCredit” S.R.L. to apply to the courts legally competent to sanction such acts.

O.C.N. “StartCredit” S.R.L. reserves the right to sue any person and / or entity that violates the above provisions. O.C.N. “StartCredit” S.R.L. reserves the right to change the content and / or structure of the website at any time and without prior notice to the user. Thus, the users of the website cannot raise any objections regarding the changes made.

Anyone wishing to benefit from the products presented on the website is asked to contact the StartCredit team, at one of the contact telephone numbers + (373) 78 782 782; + (373) 76 782 782; + (373) 78 399 399, for further information on the terms of the contract, fees and commissions.

By completing the contact form, you expressly and unequivocally agree that your personal data will be stored and processed by StartCredit. StartCredit will maintain the confidentiality of this information, except for information requested by the competent legal authorities.

In accordance with the provisions of Law no. 133 of July 8, 2011, the borrower has the following rights: the right to information, the right of access to personal data, the right to intervene on personal data, the right of opposition of personal data subjects, the right not to be subject an individual decision and access to justice.



Contract for the non-bank loan

Through the website www.startcredit.md can be concluded non-bank credit agreements signed with electronic signature in the manner described above (Chapter Registration on the website), and the Parties express their agreement on the recognition of electronic documents signed by means of distance communication as equivalent to paper documents signed with a handwritten signature in the contractual relations between the Parties being opposable to third parties.

The information in electronic form, created, structured, processed, stored and / or transmitted through the computer or other electronic devices is considered electronically signed after entering the unique numerical code sent by StartCredit via SMS to the Client's number.

The unique numeric code is entered by the Customer in the Personal Account on the StartCredit website.

The customer can update the information regarding the non-bank credit through the Personal Account, having the possibility to upload documents identified by StartCredit regarding the non-bank credit. The customer has the right to perform other actions specified on the website through the Personal Account, including, but not limited to receiving information regarding the Non-Bank Credit Agreement, payments made, credit history and acknowledgment of information regarding the exchange of information between the Parties for the purpose of contracting.

The parties undertake not to disclose to third parties any information appearing in connection with the Non-Bank Credit Agreement, except in the cases specified by the legislation of the Republic of Moldova.



Information regarding the processing of personal data and its purpose

O.C.N. “StartCredit” S.R.L. processes personal data in accordance with the provisions of Law no. 133 of July 8, 2011 "On the protection of personal data" and is entered in the Register of personal data operators with no: 0002407.

Processing of personal data - any operation or series of operations performed on personal data by automated or non-automated means, such as collection, registration, organization, storage, storage, restoration, adaptation or modification, extraction, consultation, use , disclosing by transmission, dissemination or in any other way, joining or combining, blocking, deleting or destroying.

“Personal data” means any information relating to an identified or identifiable natural person (subject of personal data). An identifiable person is a person who can be identified, directly or indirectly, by reference to an identification number or to one or more elements specific to his or her physical, physiological, mental, economic, cultural or social identity.

StartCredit typically receives this information when applicants fill out forms on the website, apply for paper funding, or send information by e-mail, chat, or telephone conversations.


Purpose of personal data processing:

StartCredit processes personal data in order to analyze non-bank loan applications, establish the creditworthiness of non-bank loan applicants, conclude and execute non-bank credit agreements, pledge, surety and debt collection, prevent money laundering and combat terrorism, setting up an internal database and using it according to the law.

Personal data are collected and processed in strict accordance with legal provisions and may be transmitted to third parties only on the basis of the consent of the subject of personal data, or at the request of law enforcement authorities that do not require the consent of the subject of personal data (eg authorities courts, police, National Center for Personal Data Protection, Money Laundering Prevention and Combating Service, etc.).

The term of retention of personal data will not exceed the period necessary to fulfill the purposes for which they were collected. Subsequently, after the completion of the processing operations, StartCredit will archive this data for the period of time provided by the legislation in force.

Anyone who accesses the site www.startcredit.md and who provides personal data expressly agrees to the processing of personal data.



Registration on the website www.startcredit.md

The Client creates his own Account by accessing the web page: www.startcredit.md entering personal data and will specify the registration and creation of the Account by checking the fields that explain that it:

• gives its consent to the processing by OCN StartCredit SRL of its personal data;

• got acquainted with the "Terms and conditions of use of the website www.startcredit.md";

• agrees to provide information to Credit Bureaus.

In order to identify the Client and confirm the personal data entered, OCN StartCreit SRL will send to the Client's mobile number via SMS a code that will serve as an electronic signature of the Client upon its introduction on the website.

The Client's activities that are performed through the Account on the website after entering the e-mail address / telephone number and the Account password of the Client, are confirmed by the entry by him of the code sent by SMS as an electronic signature. All requests, approvals, notifications, amendments to the Contract, as well as any other documents approved or submitted by the Client through the Account on the website after entering the code sent by SMS, are considered mandatory for the Parties and equivalent to written documents. The means of program required to be used by StartCredit in the provision of non-bank credit services intended to be used to obtain non-bank credit from the Client represent a product associated with electronic signatures. The Client's electronic signature represents the data in electronic form necessary to be completed or attached, which are attached to or logically associated with other data in electronic form and which are used as a method of authentication. StartCredit has a secure electronic archive consisting of a structured depository of electronic documents, which ensures their confidentiality, non-repudiation and integrity and which guarantees the probative value over time of electronic documents.

If the information provided by the Customer is found to be inaccurate or inconsistent with that provided by the law enforcement authorities, the administrators of the website reserve the right to suspend or delete the Account of the Customer concerned and to refuse current or future attempts. use of the services offered on the website.

The customer is solely responsible for the information provided by the access account created and is also solely responsible for the copyright in the content as defined and protected by law. Thus, the access to use the web page www.startcredit.md may cease without prior notice if the customer violates the terms of use listed above.

The registration by the Client on the StartCredit website does not necessarily imply the receipt of the amount of the non-bank loan in accordance with the Agreement and the General Terms and Conditions of use of the website.





Start Credit Regulations and Procedures





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