Terms and Conditions of Use
Last updated : 01/12/2025
1. Purpose
These Terms and Conditions of Use (T&C) are intended to define the terms and conditions of use of the website vantexfinancialinc.finance (hereinafter "the Site") as well as the services offered by Vantex Financial Inc.
Access to and use of the Site are subject to acceptance and compliance with these T&C.
2. Access to the site
The Site is freely accessible to any user with Internet access. All costs incurred by the user to access the service (computer equipment, software, Internet connection, etc.) are at their expense.
Vantex Financial Inc reserves the right to suspend, interrupt or limit access to all or part of the Site, particularly for maintenance reasons, without notice or justification.
3. Services offered
Vantex Financial Inc offers the following services:
- Personal loans : Online personal loan application
- Mortgage loans : Financing for real estate projects
- Business loans : Support for entrepreneurs and businesses
- Investments : Investment opportunities in various sectors
- Project funding : Assistance in financing entrepreneurial projects
- Account opening : Creation of Vantex customer account
4. Eligibility conditions
To benefit from our services, you must:
- Be of legal age (minimum 18 years old)
- Reside in a country where our services are available (France, Spain, Belgium, etc.)
- Provide accurate and up-to-date information
- Have the required documents (ID, proof of income, etc.)
5. Application process
5.1. Submission of application
Any loan, investment or account opening application must be made via the forms available on the Site. The user undertakes to provide accurate, complete and up-to-date information.
5.2. Review of application
Each application is subject to an internal review process. Vantex Financial Inc reserves the right to accept or reject any application, without having to justify its decision.
5.3. Processing time
Applications are generally processed within 24 to 48 business hours. A confirmation email will be sent to you upon receipt of your application.
6. User obligations
The user undertakes to:
- Not use the Site for illegal or fraudulent purposes
- Provide accurate and truthful information
- Not infringe on the intellectual property rights of Vantex Financial Inc
- Respect the repayment conditions in case of loan approval
- Immediately inform Vantex Financial Inc of any change in their personal or financial situation
7. Interest rates and fees
The interest rates applied vary according to the type of loan and the borrower's profile. They are indicated clearly and transparently before any contract is signed.
Examples of rates (for information only):
- Personal loan: 2% to 3% per year
- Mortgage loan: 2% to 3% per year
- Business loan: 2% to 3% per year
- Express loan: 3% to 4% per year
These rates are given for information purposes only and may vary according to your file.
8. Repayment
The repayment terms (amount of monthly payments, duration, collection date) are defined in the loan agreement. Any late payment may result in penalties and affect your credit score.
9. Right of withdrawal
In accordance with current legislation, you have a withdrawal period of 14 days from the signing of the loan agreement. This right can be exercised without cost and without justification.
10. Data protection
Your personal data is collected and processed in accordance with our Privacy Policy.
11. Liability
Vantex Financial Inc cannot be held responsible for:
- Direct or indirect damages resulting from the use of the Site
- Interruptions, bugs or technical malfunctions
- Data loss
- Decisions made by the user based on information from the Site
12. Modification of T&C
Vantex Financial Inc reserves the right to modify these T&C at any time. The new conditions will be applicable as soon as they are posted online on the Site.
13. Applicable law and jurisdiction
These T&C are governed by French law. In case of dispute, and after an attempt at amicable resolution, the French courts shall have sole jurisdiction.