Appeals Process

At MoralCompany, we believe in fairness, transparency, and the right of every applicant to request a review of a credit decision. If you believe that a decision regarding your application was incorrect or requires reconsideration, you may file an appeal following the process outlined below.

1. Eligibility for an Appeal

You may submit an appeal if:

• Your credit application was declined.
• You believe the decision was based on inaccurate or incomplete information.
• You wish to provide new supporting documents or clarifications.
• You suspect an error in the assessment process.

Please note: An appeal does not guarantee that the decision will be changed.

2. How to Submit an Appeal

To initiate an appeal, you must submit a request within 30 days of receiving the decision.
Appeals can be sent through:

📧 Email: contact@moralcompany.net
📄 Subject: Credit Decision Appeal – [Your Full Name]

Your message must include:

• Full name
• Email address and phone number
• Application reference number (if applicable)
• A detailed explanation of why you are appealing
• Any new documentation or evidence supporting your case

3. Acknowledgment of Your Appeal

Once we receive your appeal:

• You will receive a confirmation email within 48 hours.
• Your case will be assigned to an independent senior analyst for review.
• The appeal review process will begin immediately after acknowledgment.

4. Review Procedure

During the review, our team may:

• Re-evaluate your original application
• Verify new documents or data you provided
• Cross-check information for accuracy
• Contact you for additional clarification if needed
• Reassess your financial and eligibility indicators

All appeals are handled impartially and with full confidentiality.

5. Response Timeframe

MoralCompany aims to provide a final decision within:

⏱ 7–14 business days after receiving all required information.

In complex cases, the review may take longer, but you will be notified accordingly.

6. Possible Outcomes

After the appeal review, you will receive an official response by email.
The final outcomes may include:

• Approval of the credit application (if sufficient grounds exist)
• Modification of the original offer
• Upholding the original decision
• Request for additional documents (if needed)

All decisions made after an appeal review are considered final.

7. Fair Handling Commitment

MoralCompany is committed to:

• Transparent and unbiased assessments
• Equal treatment for all applicants
• Ethical and responsible credit allocation
• Data protection and confidentiality throughout the process

Your appeal does not negatively impact your ability to submit future applications.

8. Contact Information

For assistance with your appeal or questions regarding the process:

MoralCompany
📧 Email: contact@moralcompany.net
📞 Phone: +49 178 391 4534