{"id":32,"date":"2019-07-13T10:15:46","date_gmt":"2019-07-13T10:15:46","guid":{"rendered":"http:\/\/creddo.se\/?page_id=32"},"modified":"2025-12-31T09:52:18","modified_gmt":"2025-12-31T08:52:18","slug":"anvandarvillkor","status":"publish","type":"page","link":"https:\/\/creddo.com\/se\/anvandarvillkor\/","title":{"rendered":"Anv\u00e4ndarvillkor"},"content":{"rendered":"\n

Senast uppdaterad 202<\/em>5.12.30<\/p>\n\n\n\n

Det \u00e4r viktigt f\u00f6r oss p\u00e5 Creddo att du k\u00e4nner dig trygg n\u00e4r du anv\u00e4nder v\u00e5r tj\u00e4nst. Av den anledningen har vi samlat all relevant information i v\u00e5ra anv\u00e4ndarvillkor. Om du har n\u00e5gra fr\u00e5gor s\u00e5 \u00e4r du v\u00e4lkommen att ringa till v\u00e5r kundtj\u00e4nst s\u00e5 kan vi ber\u00e4tta mer hur dina uppgifter hanteras.<\/p>\n\n\n\n

1. Information om Creddo AB<\/h3>\n\n\n\n

Creddo AB<\/a> med organisationsnummer 559207-3786 (\u201dCreddo\u201d) \u00e4r ett finansiellt institut och \u00e4r registrerade hos Finansinspektionen att bedriva l\u00e5nef\u00f6rmedling.<\/p>\n\n\n\n

Creddo tillhandah\u00e5ller en digital j\u00e4mf\u00f6relsetj\u00e4nst d\u00e4r f\u00f6retaget kan j\u00e4mf\u00f6ra l\u00e5n och villkor hos de banker och l\u00e5ngivare som Creddo samarbetar med (\u201cTj\u00e4nsten\u201d). Genom att starta en ans\u00f6kan kan du f\u00e5 erbjudanden om l\u00e5n fr\u00e5n flera banker och andra l\u00e5ngivare.<\/p>\n\n\n\n

Du f\u00e5r d\u00e5 m\u00f6jlighet att j\u00e4mf\u00f6ra l\u00e5nevillkor hos Creddo fr\u00e5n flera akt\u00f6rer och v\u00e4lja det alternativ som passar f\u00f6retaget b\u00e4st. Tj\u00e4nsten g\u00e5r s\u00e5v\u00e4l att anv\u00e4nda f\u00f6r att samla existerande l\u00e5n eller om nytt l\u00e5n \u00f6nskas tas. En ans\u00f6kan \u00e4r inte bindande och det \u00e4r kostnadsfritt att l\u00e4gga upp en ans\u00f6kan om f\u00f6retagsfinansiering hos Creddo.<\/p>\n\n\n\n

2. Kreditupplysning<\/h3>\n\n\n\n

N\u00e4r du g\u00f6r en ans\u00f6kan om finansiering via Creddo s\u00e5 g\u00f6rs en kreditupplysning p\u00e5 f\u00f6retaget hos Upplysningscentralen AB (UC). Det inneb\u00e4r att UC registrerar en s\u00e5 kallad omfr\u00e5gning p\u00e5 dig. Efter att det sker s\u00e5 kan de l\u00e5ngivare som Creddo samarbetar med under en begr\u00e4nsad tid ta del av kreditupplysning p\u00e5 ditt f\u00f6retag utan att det registreras ytterligare omfr\u00e5gningar, i syfte att erbjuda dig b\u00e4sta m\u00f6jliga villkor utan att f\u00f6rs\u00e4mra din kreditv\u00e4rdighet.<\/p>\n\n\n\n

Creddo tar inte ansvar f\u00f6r eventuell f\u00f6rlust eller skada som skulle uppst\u00e5 p\u00e5 grund av att f\u00f6retaget v\u00e4ljer att ing\u00e5, alternativt avst\u00e5r fr\u00e5n att ing\u00e5, l\u00e5neavtal med n\u00e5gon av de l\u00e5ngivare Creddo samarbetar med.<\/p>\n\n\n\n

Det \u00e4r s\u00e5ledes ditt ansvar att kontrollera den information Creddo l\u00e4mnar om erbjudande fr\u00e5n v\u00e5ra samarbetspartners.<\/p>\n\n\n\n

Genom att acceptera dessa villkor s\u00e5 godk\u00e4nner du att Creddo best\u00e4ller en kreditupplysning hos UC p\u00e5 ditt f\u00f6retag samt en p\u00e5 borgensman om detta anges. Genom Creddos tj\u00e4nst registreras bara en kreditupplysning som v\u00e5ra samarbetspartners f\u00e5r ta del av. N\u00e4r du uppger dig som personlig borgen i ans\u00f6kan kan en UC tas som avser borgensman av l\u00e5ngivare.<\/p>\n\n\n\n

Du godk\u00e4nner \u00e4ven att \u00f6vrig information om f\u00f6retaget som l\u00e4mnas i ans\u00f6kan som sedan delas med Creddos samarbetspartners. F\u00f6r enskilda firmor och handelsbolag kommer UC skicka omfr\u00e5gandekopior till dig s\u00e5 du vet vilken information som har l\u00e4mnats ut och till vilka.<\/p>\n\n\n\n

Om borgensman anges kommer CreditSafe \u00e4ven att skicka omfr\u00e5gandekopior till denne, f\u00f6r att hen ska veta vilken information som har l\u00e4mnats ut och till vilka.<\/p>\n\n\n\n

Notera att du kan f\u00e5 flera omfr\u00e5gandekopior hemskickade, men att det inte inneb\u00e4r att flera kreditupplysningar registreras p\u00e5 dig. Vissa av v\u00e5ra partners anv\u00e4nder sig av andra kreditupplysningar \u00e4n UC, men detta p\u00e5verkar inte f\u00f6retagets kreditv\u00e4rdighet.<\/p>\n\n\n\n

Genom att l\u00e4mna uppgifter till Creddo f\u00f6rs\u00e4krar du att l\u00e4mnade uppgifter \u00e4r korrekta och att du har godk\u00e4nnande f\u00f6r de uppgifter du l\u00e4mnar.<\/p>\n\n\n\n

3. Personuppgiftsbehandling<\/h3>\n\n\n\n

Creddo AB \u00e4r personuppgiftsansvarig och ansvarar f\u00f6r behandlingen av personuppgifter sker i enlighet med g\u00e4llande dataskyddsregler. Genom att fylla i ans\u00f6kningsformul\u00e4ret godk\u00e4nner du hur vi hanterar personuppgifter. L\u00e4s mer i personuppgiftspolicy<\/a>.<\/p>\n\n\n\n

4. Marknadsf\u00f6ring och produktutveckling<\/h3>\n\n\n\n

Vi anv\u00e4nder cookies f\u00f6r att f\u00e5 v\u00e5ran tj\u00e4nst att fungera samt f\u00f6r att anpassa och analysera din upplevelse. Vi delar ocks\u00e5 data med v\u00e5ra annonspartners. Mer information om detta hittar du i v\u00e5r Cookie Policy<\/a>.<\/p>\n\n\n\n

Creddo sparar dina kontaktuppgifter f\u00f6r att skicka marknadsf\u00f6ring genom telefon eller e-email. Du kan n\u00e4r som helst ta bort dina kontaktuppgifter genom att kontakta kundservice@creddo.se<\/a><\/p>\n\n\n\n

5. Villkors\u00e4ndring och tvist<\/h3>\n\n\n\n

Vi f\u00f6rbeh\u00e5ller oss r\u00e4tten att \u00e4ndra och uppdatera dessa allm\u00e4nna villkor. Detta meddelar vi dig genom att publicera den uppdaterade versionen p\u00e5 v\u00e5r hemsida och\/eller i v\u00e5r integritetspolicy.<\/p>\n\n\n\n

Om du inte \u00e4r n\u00f6jd med v\u00e5r behandling eller anser att vi har gjort fel s\u00e5 kan du framf\u00f6ra ett klagom\u00e5l till kundservice@creddo.se<\/a>. Ni kan \u00e4ven framf\u00f6ra ett klagom\u00e5l direkt till Konsumentverket eller Finansinspektionen.<\/p>\n","protected":false},"excerpt":{"rendered":"

Senast uppdaterad 2025.12.30 Det \u00e4r viktigt f\u00f6r oss p\u00e5 Creddo att du k\u00e4nner dig trygg n\u00e4r du anv\u00e4nder v\u00e5r tj\u00e4nst. Av den anledningen har vi samlat all relevant information i v\u00e5ra anv\u00e4ndarvillkor. Om du har n\u00e5gra fr\u00e5gor s\u00e5 \u00e4r du v\u00e4lkommen att ringa till v\u00e5r kundtj\u00e4nst s\u00e5 kan vi ber\u00e4tta mer hur dina uppgifter hanteras. 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