Terms and Conditions

Last updated: January 2024

1. Acceptance of Terms

By accessing and using FinanceTraffic services, you agree to be bound by these terms and conditions. If you do not agree with any part of these terms, you should not use our services.

2. Description of Service

FinanceTraffic provides financial consulting and debt management services, including:

  • Personalized assessment of your financial situation
  • Free consultation on payment options for debts
  • Negotiation with creditors for discounts
  • Development of personalized payment plans
  • Monitoring and support during the process

3. Eligibility

To use our services, you must:

  • Be at least 18 years of age
  • Be a legal resident of Italy
  • Have pending debts you wish to manage
  • Provide truthful and complete information

4. Customer Information

You agree to:

  • Provide accurate and up-to-date information
  • Notify changes in your financial situation
  • Maintain the confidentiality of your account
  • Do not share access information with third parties

5. Privacy

FinanceTraffic commits to:

  • Maintain the confidentiality of your personal information
  • Do not share data without your consent
  • Use appropriate security measures
  • Comply with applicable data protection laws

6. Service Limitations

Our services have the following limitations:

  • We do not guarantee specific results
  • Discounts depend on negotiation with creditors
  • Resolution time may vary depending on the case
  • Some debts may not be eligible for negotiation

7. Fees and Payments

Our services include:

  • Initial free evaluation
  • Personalized consultation at no cost
  • Fees only for successful services
  • Total transparency in cost structure

8. Customer Responsibility

You are responsible for:

  • Maintaining open communication with our team
  • Complying with agreed payment terms
  • Providing requested documentation
  • Informing about changes in your financial situation

9. Termination of Service

The service can be terminated for:

  • Mutual agreement between parties
  • Breach of these terms
  • False or misleading information
  • Fraudulent behavior

10. Limitation of Liability

FinanceTraffic will not be liable for:

  • Indirect or consequential damages
  • Financial losses due to customer decisions
  • Delays in case resolution
  • Actions of third parties (creditors, banks, etc.)

11. Changes to Terms

We reserve the right to:

  • Modify these terms at any time
  • Notify changes through our website
  • Continue the service under the new terms
  • Terminate the service if you do not accept the changes

12. Applicable Law

These terms are governed by Italian law. Any disputes will be resolved in the competent courts of Italy.

13. Contact

For questions about these terms, please contact us:

  • Phone: +63 2 8891 8388
  • Address: ADB Avenue, corner P. Poveda Road, Ortigas Center, Quezon City, 1065 Metro Manila, Philippines