Terms of Service

1. Introduction

Welcome to PhiCo, a financial application operated by 3B LOAN SL ("we," "us," or "our"). These Terms of Service ("Terms") govern your access to and use of the PhiCo mobile application and related services (collectively, the "Service"). By accessing or using PhiCo, you agree to be bound by these Terms. If you do not agree to these Terms, please do not use our Service.

2. Description of Service

PhiCo is a financial technology application designed to help users discover, compare, and access the best financial offers available in the market. Our Service includes, but is not limited to:

• Financial product comparison and recommendations
• Personalized offer matching based on user profiles
• Access to partner financial institutions and their products
• Financial education and advisory content
• Application facilitation services for financial products

3. Eligibility

You must be at least 18 years old and have the legal capacity to enter into binding agreements in your jurisdiction to use PhiCo. By using the Service, you represent and warrant that you meet these eligibility requirements. We reserve the right to refuse service to anyone at any time.

4. User Accounts

To access certain features of PhiCo, you may be required to create an account. You are responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account. You agree to:

• Provide accurate, current, and complete information during registration
• Update your information to keep it accurate, current, and complete
• Notify us immediately of any unauthorized use of your account
• Accept responsibility for all activities under your account

5. Use of Service

You agree to use PhiCo only for lawful purposes and in accordance with these Terms. You agree not to:

• Use the Service in any way that violates applicable laws or regulations
• Attempt to gain unauthorized access to the Service or related systems
• Interfere with or disrupt the Service or servers connected to the Service
• Use automated systems to access the Service without our express written permission
• Reproduce, duplicate, copy, or exploit any portion of the Service without our express written permission
• Transmit any viruses, malware, or other harmful code

6. Financial Products and Services

PhiCo acts as an intermediary platform connecting users with financial products and services offered by third-party financial institutions. We do not directly provide financial products, loans, or credit services. All financial products displayed through PhiCo are subject to the terms and conditions of the respective financial institutions. We are not responsible for:

• The approval or denial of any financial product application
• The terms, rates, or conditions of any financial product
• The accuracy of information provided by partner institutions
• Any disputes between you and financial institutions

You acknowledge that all financial decisions are your own responsibility, and we recommend consulting with qualified financial advisors before making significant financial decisions.

7. Intellectual Property

The Service, including its original content, features, and functionality, is owned by 3B LOAN SL and is protected by international copyright, trademark, patent, trade secret, and other intellectual property laws. You may not modify, reproduce, distribute, create derivative works, publicly display, or otherwise exploit any part of the Service without our prior written consent.

8. Privacy and Data Protection

Your use of PhiCo is also governed by our Privacy Policy, which explains how we collect, use, and protect your personal information. By using the Service, you consent to the collection and use of your information as described in our Privacy Policy.

9. Disclaimers

THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE SERVICE WILL BE UNINTERRUPTED, SECURE, OR ERROR-FREE.

We do not guarantee the accuracy, completeness, or usefulness of any information provided through the Service. Financial information and recommendations are for informational purposes only and should not be considered as financial, legal, or tax advice.

10. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, 3B LOAN SL SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR ANY LOSS OF PROFITS OR REVENUES, WHETHER INCURRED DIRECTLY OR INDIRECTLY, OR ANY LOSS OF DATA, USE, GOODWILL, OR OTHER INTANGIBLE LOSSES RESULTING FROM YOUR USE OF THE SERVICE.

11. Indemnification

You agree to indemnify, defend, and hold harmless 3B LOAN SL, its officers, directors, employees, and agents from and against any claims, liabilities, damages, losses, and expenses, including reasonable attorneys' fees, arising out of or in any way connected with your use of the Service or violation of these Terms.

12. Termination

We may terminate or suspend your account and access to the Service immediately, without prior notice or liability, for any reason, including if you breach these Terms. Upon termination, your right to use the Service will cease immediately.

13. Changes to Terms

We reserve the right to modify or replace these Terms at any time. If a revision is material, we will provide at least 30 days' notice prior to any new terms taking effect. Your continued use of the Service after any changes constitutes acceptance of the new Terms.

14. Governing Law

These Terms shall be governed by and construed in accordance with the laws of Spain, without regard to its conflict of law provisions. Any disputes arising from these Terms or your use of the Service shall be subject to the exclusive jurisdiction of the courts of Madrid, Spain.

15. Contact Information

If you have any questions about these Terms, please contact us at:

3B LOAN SL
Calle Castello 59
28001 Madrid, Spain
Email: contact@3bloan.com