WALTER SCHULZ - Terms & Conditions

Last Updated: 04/02/2025

These Terms and Conditions ("Terms") define the rules and responsibilities applicable to the use of the website and credit-related services provided by WALTER SCHULZ. By accessing our platform, submitting a loan application, or using our services, you agree to be legally bound by these Terms.

1. Legal Notice

WALTER SCHULZ is providing credit and financial services. For legal notices and regulatory information, please see section 11.

2. Purpose of the Site

This website is intended to present loan offers, facilitate online loan applications, provide simulations, and offer educational content related to personal and commercial credit. Information is for guidance only and does not constitute a legally binding loan offer until a formal agreement is signed.

3. Eligibility Requirements

To apply for our services, users must:

• Be at least 18 years of age or older, depending on local law
• Reside legally in the EU or EEA
• Have a valid Tax Identification Number (TIN, SSN or equivalent)
• Provide truthful and complete application data

4. Loan Application and Pre-Approval

• All applications are subject to analysis and credit scoring
• You authorize us to access third-party databases and perform identity and solvency checks
• Approval is not guaranteed and depends on compliance with internal credit policies
• Rates, terms, and loan limits vary per applicant and product category

5. Loan Terms & Agreement

Once approved, a contractual loan agreement is issued. It includes:

• Loan amount, interest rate (fixed or variable), APR
• Monthly repayment amount and schedule
• Applicable late fees, collection costs, and default procedures
• Right of withdrawal period (14 days unless otherwise stated)
• No prepayment penalties, unless explicitly indicated

6. Consumer Responsibilities

• Maintain updated personal and financial information
• Respect repayment deadlines
• Read and understand all contractual clauses before signing
• Notify us immediately of any identity theft or unauthorized access
• Comply with all applicable financial laws and obligations

7. Data Protection & Privacy (GDPR)

WALTER SCHULZ processes your personal data in accordance with the General Data Protection Regulation (GDPR):

• Personal data is collected for identification, creditworthiness analysis, contract management, and fraud prevention
• You have the right to access, correct, delete, or restrict processing of your data
• You may object to marketing communications at any time
• For full details, see our Privacy Policy

8. Intellectual Property

• All content (texts, logos, designs, documents) is the property of WALTER SCHULZ or used under license
• Unauthorized reproduction or distribution is strictly prohibited
• Trademarks and service marks are protected by applicable laws

9. Limitation of Liability

In no case shall WALTER SCHULZ be held responsible for:

• Indirect or consequential damages resulting from site use or service interruption
• Errors or inaccuracies in information or simulations
• Acts of force majeure or technical failures
• Decisions made by the user based on content or advice from the website

10. Applicable Law and Dispute Resolution

These Terms are governed by the laws of Deutschland. In case of dispute:

• The parties agree to seek amicable resolution
• Failing this, disputes may be referred to a consumer mediator
• Otherwise, competent courts of Leatherhead shall have exclusive jurisdiction

11. Contact & Legal Information

For questions, complaints, or legal notices, contact us at:

WALTER SCHULZ - Legal Department
Schwarzer Weg 14, 66578 Schiffweiler
Phone: +49 15510885076
Email: contact@walter-schulz.com