Terms of Service

1. Acceptance of these terms

By accessing fiditalia.ltd (the "Website"), operated by FIDITALIA SPA, Via Bisceglie, 70, 20152 Milano, Italy, you agree to these Terms of Service. If you do not agree, please discontinue use of the Website.

2. Nature of the Website

The Website is an informational publication about consumer credit and financing concepts. It is not a bank, lender, credit broker, or financial intermediary. We do not offer, arrange, sell, or process any credit, loan, or paid financial product or service through this Website.

3. No advice, no offer

Content on this Website is provided for general educational purposes only and does not constitute financial, legal, tax, or investment advice, nor an offer or solicitation to enter into any financial transaction. You should not rely on this content as a substitute for advice from a qualified professional or licensed financial institution.

4. Accuracy of content

We take reasonable care to keep information accurate and current, but we make no warranty, express or implied, that content is complete, error-free, or applicable to your individual circumstances. Financial regulations and market practices change, and you should verify current terms directly with a licensed provider.

5. Acceptable use

You agree not to misuse the Website, including by attempting unauthorised access to our systems, submitting false information through our contact form, scraping content at scale, or using the Website in a way that could damage, disable, or impair it.

6. Intellectual property

Unless otherwise noted, text, layout, and design on this Website are owned by FIDITALIA SPA. You may read and share links to our content for personal, non-commercial use. Reproduction of substantial portions of our content without permission is not permitted.

7. Third-party links and images

The Website may link to third-party sites or display third-party images. We are not responsible for the content, accuracy, or practices of any third party, and inclusion of a link does not imply endorsement.

8. Limitation of liability

To the fullest extent permitted by law, FIDITALIA SPA shall not be liable for any indirect, incidental, or consequential loss arising from your use of, or inability to use, the Website or reliance on its content.

9. Changes to these terms

We may revise these terms from time to time. Continued use of the Website after changes are published constitutes acceptance of the revised terms.

10. Governing law

These terms are governed by the laws of Italy. Any dispute arising from these terms shall be subject to the exclusive jurisdiction of the courts of Milano, without prejudice to any mandatory consumer protection rights you may have under the law of your place of residence.

11. Contact

Questions about these terms can be sent to info@fiditalia.ltd or +39 02 4301 8799.