General Terms and Conditions of Sale and Service
Preamble
These general terms and conditions of sale and service (hereinafter "GTC") govern the contractual relationships between ZENITH FINANCES and its clients in the context of credit brokerage services offered on the website zenith-finances.com.
Any order of services on this site implies the full and complete acceptance of these GTC by the client.
Purpose
ZENITH FINANCES offers credit brokerage services, including: personal loan, car loan, home improvement loan, credit consolidation, and other financing solutions. The company acts as an intermediary between clients and partner credit institutions.
Prices and Interest Rates
The interest rates applied are those of the partner credit institutions. ZENITH FINANCES does not receive any direct remuneration from clients for its brokerage services.
Reference fixed annual rate: 3% APR (Annual Percentage Rate)
Credit Application Procedures
The client must complete the online application form by providing accurate and complete information. Any false statement may lead to the rejection of the credit application.
ZENITH FINANCES commits to studying each application within 48 business hours and providing a response to clients.
Responsibilities of the Parties
Responsibilities of ZENITH FINANCES
- Provide clear and transparent information on credit conditions
- Ensure the confidentiality of clients' personal data
- Process applications with diligence and professionalism
Client Responsibilities
- Provide accurate and truthful information
- Respect the repayment conditions of the granted credit
- Inform ZENITH FINANCES of any change in situation
Right of Withdrawal
In accordance with current legislation, the client has a period of 14 calendar days to exercise their right of withdrawal from the signing of the loan offer.
To exercise this right, the client must notify their decision in writing to the lending institution according to the procedures specified in the loan offer.
Personal Data Protection
Personal data collected is processed in accordance with GDPR and the Data Protection Act. They are intended exclusively for processing credit applications and managing the client relationship.
The client has a right of access, modification, rectification, and deletion of their data by contacting: contact@zenith-finances.com
Disputes and Mediation
In case of dispute, the parties undertake to seek an amicable solution. In the absence of agreement, the client may refer the matter to the competent consumer mediator.
The competent courts will be those of the location of ZENITH FINANCES' registered office: Montpellier, France.
Modification of General Terms
ZENITH FINANCES reserves the right to modify these GTC at any time. The modifications will be applicable as soon as they are published on the site.
Entry into Force
These general terms and conditions enter into force on March 18, 2026, and replace all previous versions.