TERMS &
CONDITIONS.
The use of our financial intermediation services implies full and complete adherence to these provisions. We establish a secure contractual framework to protect your interests and guarantee excellence in our credit services.
Document Status
Enforceable Version
Last updated
02/02/2026
01 Article 1: Subject & Scope
These General Terms of Use (hereinafter "GTU") constitute the conventional framework governing access to and use of the digital services provided by IBM FINANCES.
Access to the portal and use of our simulation tools imply unreserved, full, and complete acceptance of all these provisions by the user. This document serves as a contract between the publishing entity and the user consulting the services.
02 Article 2: Access & Continuity
The infrastructure is accessible free of charge to any User with a device connected to the Internet. All costs related to access (hardware, software, connection fees) remain the sole responsibility of the User. Although we deploy high-availability measures to guarantee 24/7 access, we cannot be held liable for service interruptions, scheduled maintenance, or network instability beyond our control.
03 Article 3: Intellectual Property
All digital assets on this portal (text, visual architecture, simulation algorithms, logotypes, technical icons) are the exclusive property of IBM FINANCES.
Any unauthorized extraction, reproduction, distribution, or exploitation of these elements, even partial, constitutes an infringement penalized under Intellectual Property laws and current international treaties.
04 Article 4: Nature of Non-Binding Services
The simulation tools and informational data on the site are for indicative purposes only. These elements do not constitute a contractual loan offer from the institution. Only a thorough analysis of a complete file, verified by our financial analysts, allows for a firm and final financing offer governed by a separate credit agreement.
05 Article 5: Obligations & Integrity
The User solemnly agrees to provide truthful, sincere, and up-to-date information when using our application forms. Any misuse, documentary fraud, or identity theft will be immediately reported to the competent authorities and may result in legal proceedings.
06 Article 6: Liability Regime
Institutional Warning
IBM FINANCES disclaims all liability for direct or incidental damages resulting from the use or inability to use the services. We do not guarantee the suitability of our loan solutions for each user's specific tax situation without a prior study.
A LOAN IS A COMMITMENT AND MUST BE REPAID. CHECK YOUR REPAYMENT CAPACITY BEFORE COMMITTING.
07 Article 7: Personal Data Flow
The collection and processing of personal data are strictly governed by our Privacy Policy. We operate in full compliance with the General Data Protection Regulation (GDPR) to guarantee the sovereignty of your private information.
08 Article 8: Networks & Third Parties
This portal may redirect to third-party resources via hypertext links. Our entity exercises no control over the content or security protocols of these external domains and cannot be held responsible for any interactions occurring outside its own infrastructure.
09 Article 9: Contractual Developments
We reserve the right to modify these Terms at any time to adapt to legislative, judicial, or technical developments. The user is invited to consult this section regularly; the prevailing version is the one published in real-time on the site.