Last Updated: 05/2025

Welcome to the website of MoralCompany (“we”, “us”, “our”).
By accessing or using our website and services, you agree to comply with these Terms of Use.
Please read them carefully. If you do not agree, you must discontinue using our website and services.

1. Definitions

Website: Refers to moralcompany.net and all associated digital platforms operated by MoralCompany.
User / You: Any visitor, customer, applicant, or individual accessing or interacting with our website or services.
Services: All financial, digital, and credit-related tools, assessments, and resources provided by MoralCompany.

2. Eligibility

To use our credit services, you must:

Be at least 18 years old (or legal age in your country)
Provide accurate and truthful information
Be legally capable of entering into financial agreements

3. Purpose of the Website

The website provides:

Information about our financial and credit solutions
Access to online credit application forms
Customer support and communication tools
Secure document submission and verification portals

MoralCompany does not guarantee acceptance of any credit application.

4. User Responsibilities

By using our website, you agree to:

Provide accurate, complete, and updated information
Not engage in fraudulent or misleading behavior
Not attempt to bypass security measures
Use the website only for lawful purposes
Keep your login credentials confidential (if applicable)

You are responsible for all activity that occurs under your account or through your submitted information.

5. Prohibited Activities

Users may not:

Attempt to access restricted areas without authorization
Use automated tools (bots, scrapers) to collect data
Upload harmful files (malware, viruses, compromised documents)
Misrepresent identity or financial information
Interfere with the performance of the website or servers
Copy, reproduce, or distribute website content without permission

Any violation may result in immediate suspension of access.

6. Credit Applications

Submitting an application does not guarantee approval.
All applications are subject to:

Identity verification
Credit analysis
Fraud prevention checks
Regulatory compliance
Internal decision-making criteria

We reserve the right to decline applications without obligation to provide justification, where legally allowed.

7. Intellectual Property

All content on this website—including text, logos, graphics, icons, tools, systems, and structure—is the exclusive property of MoralCompany or its licensors.

Users may not:

Copy or reproduce website content
Modify or adapt content
Use company trademarks without permission
Distribute or republish materials

Limited personal, non-commercial use is permitted.

8. Data Protection & Privacy

Your use of the website is also governed by our Privacy Policy, which explains how we collect and process your data.
By using the website, you agree to the terms of the Privacy Policy.

9. Third-Party Links

Our website may contain links to external websites.
We are not responsible for:

Their content
Their security measures
Their privacy practices

Visiting third-party sites is at your own risk.

10. Disclaimer of Warranties

Our website and services are provided “as is” and “as available”, without warranties of any kind, including:

Availability at all times
Accuracy of information
Error-free functionality
Compatibility with all devices
Uninterrupted access

We do not guarantee that credit services will meet your expectations or that applications will be approved.

11. Limitation of Liability

To the maximum extent permitted by law, MoralCompany is not liable for:

Direct or indirect financial losses
Loss of data
Delays or interruptions
Unauthorized access caused by user negligence
Decisions regarding credit application approval or rejection

Some jurisdictions do not allow limitation of liability; in such cases, our liability is limited to the minimum legally allowed.

12. Changes to Services and Terms

We may update:

The website
Credit requirements
Available features
These Terms of Use

Updates become effective when posted on this page.
Continued use of the website constitutes acceptance of the updated terms.

13. Termination of Access

We reserve the right to suspend or terminate access to any user who:

Violates these Terms
Engages in fraud or harmful behavior
Provides false information
Attempts to compromise the website’s integrity

Termination may occur without prior notice.

14. Governing Law

These Terms are governed by the laws applicable in the country where MoralCompany is legally registered and operates.
Users agree that disputes will be resolved under these laws.

15. Contact Information

For questions related to these Terms of Use:

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