Terms of Service

Acceptance of Terms

These Terms of Service ("Terms") constitute a legally binding agreement between you and OnyxSignal S.A. ("Company," "we," "us," or "our") regarding your use of our website and payday loan services. By accessing our website, applying for our services, or using any of our loan products, you agree to be bound by these Terms.

If you do not agree to these Terms, you must not use our services or access our website. We reserve the right to modify these Terms at any time, and such modifications will be effective immediately upon posting on our website.

Your continued use of our services after any changes to these Terms constitutes your acceptance of the modified Terms.

Company Information

OnyxSignal S.A. is a Spanish corporation registered under company number B46921578, with its registered office at Calle Real 40, 46052 Valencia, Valencian Community, Spain. We are authorised to provide payday loan services in accordance with Spanish and European Union financial regulations.

Service Description

OnyxSignal provides short-term payday loan services to qualified individuals and businesses. Our services include personal loans, business financing solutions, and emergency funding options. All loan terms, interest rates, and repayment schedules are subject to individual assessment and approval.

We reserve the right to refuse service to any applicant at our sole discretion. Loan approval is subject to credit assessment, verification of information, and compliance with our lending criteria and applicable regulations.

User Obligations

By using our services, you agree to:

• Provide accurate, complete, and truthful information in all applications and communications
• Maintain the confidentiality of your account information and login credentials
• Comply with all applicable laws and regulations
• Use our services only for lawful purposes
• Notify us immediately of any unauthorised use of your account
• Meet all repayment obligations according to agreed terms
• Cooperate with our verification and assessment procedures

You are responsible for ensuring that all information provided to OnyxSignal is accurate and up-to-date. Any false or misleading information may result in immediate termination of services and potential legal action.

Loan Terms and Conditions

Specific loan terms, including principal amount, interest rates, fees, and repayment schedules, will be provided in individual loan agreements. These Terms of Service supplement but do not replace the specific terms outlined in your loan agreement.

All fees and charges will be clearly disclosed before you accept any loan offer. Late payment fees and other charges may apply as specified in your loan agreement. Early repayment may be permitted subject to the terms of your specific loan agreement.

Intellectual Property

The OnyxSignal website, including all content, features, functionality, information, software, and design, is owned by OnyxSignal S.A. and is protected by copyright, trademark, and other intellectual property laws.

You may not reproduce, distribute, modify, create derivative works of, publicly display, publicly perform, republish, download, store, or transmit any of our website content without our prior written consent, except as permitted by applicable law.

The OnyxSignal name, logo, and all related names, logos, product and service names, designs, and slogans are trademarks of OnyxSignal S.A. You may not use these marks without our prior written permission.

Privacy and Data Protection

Your privacy is important to us. Our collection, use, and disclosure of personal information is governed by our Privacy Policy, which forms part of these Terms. By using our services, you consent to the collection and use of your information as described in our Privacy Policy.

We comply with the General Data Protection Regulation (GDPR) and Spanish data protection laws in our handling of personal data.

Limitation of Liability

To the fullest extent permitted by applicable law, OnyxSignal S.A. shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to loss of profits, data, use, or other intangible losses, resulting from your use of our services.

Our total liability to you for all claims arising from or relating to our services shall not exceed the amount of fees you have paid to us in the twelve months preceding the claim.

We do not warrant that our services will be uninterrupted, secure, or error-free, or that defects will be corrected. We provide our services "as is" and "as available" without warranties of any kind.

Indemnification

You agree to indemnify, defend, and hold harmless OnyxSignal S.A., its officers, directors, employees, and agents from and against all claims, damages, obligations, losses, liabilities, costs, and expenses arising from:

• Your use of our services
• Your violation of these Terms
• Your violation of any third-party rights
• Any false or misleading information you provide

Governing Law

These Terms and any dispute arising from or relating to our services shall be governed by and construed in accordance with the laws of Spain, without regard to conflict of law principles.

Any legal action or proceeding arising under these Terms will be brought exclusively in the courts of Valencia, Spain, and you hereby consent to the personal jurisdiction and venue therein.

If any provision of these Terms is held to be invalid or unenforceable, the remaining provisions will remain in full force and effect.

Termination

We may terminate or suspend your access to our services immediately, without prior notice or liability, for any reason, including if you breach these Terms.

You may terminate your relationship with us at any time by ceasing to use our services, subject to the completion of any outstanding loan obligations.

Upon termination, your right to use our services will cease immediately, but your obligations under any loan agreements will continue until fully satisfied.

Regulatory Compliance

OnyxSignal operates in compliance with Spanish financial services regulations and European Union directives. Our lending practices are subject to regulatory oversight and consumer protection laws.

If you have concerns about our services or wish to file a complaint, you may contact the Spanish financial regulatory authorities or use our internal complaints procedure by contacting us at legal@onyxsignal.world.

Contact Information

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

Entire Agreement

These Terms of Service, together with our Privacy Policy and any specific loan agreements, constitute the entire agreement between you and OnyxSignal regarding our services and supersede all prior and contemporaneous understandings, agreements, representations, and warranties.