Within the framework of the Credit Rating Service (hereinafter referred to as the “Service”), the Client is provided with a document called “Credit Rating,” containing evaluative information about their credit history, as well as recommendations for improving their credit history.

1. TERRITORY OF SERVICE PROVISION

1.1. The Service is provided within the territory of the United States of America.

 

2. PERIOD OF SERVICE PROVISION

2.1. Until December 31, 2025.

 

3. DEFINITIONS

3.1. Rules. These are the rules for providing the Credit Rating Service.

3.2. Provider. Loan23 Inc., located at 444 Brickell Ave, Suite 711, Miami, FL, 3313.

3.3. Client. An individual who applies to the Provider with the intention of obtaining, receiving, or having received the Service.

3.4. Credit Rating Service (Service). A one-time provision to the Client of a document called “Credit Rating,” containing information about their credit history, as well as recommendations for improving their credit history.

3.5. Credit Rating. A document containing evaluative information about the Client’s credit history, including evaluative information about obligations (current and closed) for the past year, their quantity and delinquencies, infographic of the dynamics of credit obligations, scoring calculation, approval rating for credit products, recommendations on the optimal payment amount for loans, and recommendations for improving credit history.

 

4. TERMS OF SERVICE PROVISION

4.1. To obtain the Service, the Client must fill out an application on the website https://loan23.com, agree to these Rules and the Application for the Provision of Services, and pay the cost of the Service specified in the Application for the Provision of Services. The Credit Rating is provided to the Client after payment for the Service. When applying for the Service together with concluding a loan agreement, the Application for the Provision of Services is issued in one document with the loan application.

4.2. The Application for the Provision of Services is considered submitted from the moment of its signing by the Client with a special code (simple electronic signature) received in an SMS message or through an incoming call (Flash Call) from the Provider (in case of arranging the Service together with concluding a loan agreement), or from the moment of payment by the Client of the cost of the Service (in case of arranging the Service without concluding a loan agreement).

4.3. Submission of the Application for the Provision of Services confirms that the Client has read and agreed to the terms of the Rules.

4.4. The Credit Rating is provided to the Client within 2 working days from the moment of payment for the Service by placing it in the Client’s Personal Account on the website https://loan23.com. The Credit Rating is provided for personal use.

4.5. The client’s credit rating is stored in the Personal Account for one year from the date of submission of the Application for the Provision of Services. The Credit Rating is available for download in .pdf format.

4.6. The Service can be provided to the Client an unlimited number of times.

4.7. The participant has the right to refuse the Service by sending a message to the address info@loan23.com from the email address specified as contact when filling out the application on the website https://loan23.com. The cost of the Service is refunded in full if the Service has not actually been provided before the Provider receives a statement of refusal from the Service. The cost of the Service is refunded within a period not exceeding seven working days from the date the Provider receives a statement of refusal to provide the Service.

 

5. FINAL PROVISIONS

5.1. These Rules constitute a public offer, acceptance of which is made by signing it with a 

special code (simple electronic signature) received by the Client in an SMS message or through an incoming call (Flash Call) from the Provider, or by paying the cost of the Service by the Client (depending on the condition specified in clause 4.2. of these Rules). Acceptance can be made at any time during the Service Period.

5.2. The Organizer reserves the right to amend and/or supplement these Rules at any time. Information about the changes made to these Rules is posted on a special page of the organizer’s website no later than 30 calendar days before the changes take effect.

5.3. The Organizer has the right to refuse to provide the Service to Clients whose actions show signs of violation of the legislation on combating money laundering, income obtained by criminal means, and terrorism financing.

5.4. The Organizer does not compensate for losses, expenses, and any other costs that may arise for the Client in connection with the provision of the Service.

5.5. All disputes and disagreements that may arise in connection with the provision of the Service will be resolved through negotiations between the Provider and the Client, based on goodwill and mutual understanding. In the absence of agreement, the dispute shall be settled in accordance with the laws of the state of Florida.