Terms of Service

Article 1: Definitions

Defined terms

In these General Terms of Use (hereinafter: Terms), the defined term:

Article 2: Terms of Platform Use

User obligations (Articles 2.1-2.4):

• By creating an account on the Platform, the User accepts that the provisions of this part of the Terms bind them without limitation. If the User does not agree, they are required to deactivate their user account.
• Any misuse of the Platform is prohibited.
• Public display, transmission, modification, or other use of the Platform's content requires prior written permission from the content owner.
• The Platform verifies the accuracy and completeness of all data with due diligence but does not guarantee completeness, correctness, currency, and constant availability of the Platform. The User agrees to use the Platform's content exclusively for personal use and at their own risk.

Registration and Platform use

Account creation (Article 2.5)

• To use the Services offered through the Platform, the User shall be required to register on the Platform, i.e., open their User account.
• During registration, the User shall be required to enter the requested data in the registration form and fully comply with all requirements regarding keeping access data confidential.
• If the User at any time suspects that an unauthorized third party has learned such data, they are required to immediately notify the Platform and change the data immediately.
• The Platform shall not be liable for any damage arising as a consequence of inadequate confidentiality of access data by the User.

Data accuracy (Article 2.6)

During the account creation process, i.e., when entering data, the User is obligated to enter accurate and complete data.

• The User gives explicit consent to the Platform to process and store data for the purpose of fulfilling obligations related to services.
• The relationship between the User and the Platform regarding data protection is fully governed by the Platform's Privacy Policy, which forms an integral part of these Terms.
• By agreeing to these Terms, the User simultaneously agrees to the Privacy Policy and confirms that they have read and understood it.

Data processing (Articles 2.7-2.8):

• The Platform undertakes not to process data collected for the purpose of Service execution for other purposes, unless processing for other purposes is prescribed by law.
• The legal basis for data processing is the User's consent. Giving consent for data collection and processing is voluntary. The User may withdraw consent for data processing at any time.

Platform changes (Articles 2.9-2.10):

• The Platform may at any time, without notice, change the content on the Platform or adjust the operation of the Platform, i.e., update the entire content of the Platform as needed.
• There is no obligation for the content on the Platform to always be current, nor is the Platform liable for consequences that may arise from such changes.
• Despite the Platform's best efforts to protect the Platform with the most advanced virus protection methods and other malicious software, the Platform does not guarantee their complete absence.
• The Platform advises the User to take necessary protective measures such as using their own antivirus programs.

Article 3: Internet Platform Usage Service

Service description

The Platform usage Service refers to the use of the internet service by the User, which service is located on the internet domain www.uporedikredit.com (hereinafter: Platform) and represents an information society service provided by the Platform.

Platform and User relationship

• By accessing and using the Platform, Users agree to the Terms. These Terms apply to each individual access to the Platform.
• The Platform is not a substitute for banking or advisory services provided by specialized institutions. The Platform in no way influences the content that may be submitted by Users through the Platform or that was created by aggregating publicly available data, nor does it guarantee the accuracy or usability of information presented through available content.
• All information and content that Users submit through the Platform must be accurate and correct. The User who entered the data is solely responsible for the accuracy and correctness of the entered data.
• Users use the Platform exclusively at their own risk. The User expressly accepts that the Platform cannot be held responsible for the behavior of other Users or third parties.

Contractual relationship (Article 3.6)

• The User who opts to use the Platform, by filling out and submitting a preliminary application, agrees to be fully and without limitation bound by these Terms.
• The contractual relationship shall last until the date on which the User has concluded a loan agreement with a commercial bank, or until the date on which the User explicitly, via email, requests the Platform to cease providing the Service.
• The User has the right to withdraw from the contract without stating reasons within 14 days from the date of submitting the Request. The User is required to notify the Platform of the withdrawal in writing to the email address info@uporedikredit.com.
• The Platform may terminate the contractual relationship at any time after the User submits a Request, in the event that the User violates the obligations provided by these Terms.

Cooperation with banks (Articles 3.7-3.10)

• The Platform, within its activities, cooperates with certain commercial banks operating in Bosnia and Herzegovina with which it has concluded a contract. The User confirms that they are aware that the Platform is not a bank and does not grant, analyze, or approve loans.
• The Platform undertakes to obtain preliminary information about the available business offerings of the Banks from the Banks on behalf of the User, according to the User's requests.
• The Platform undertakes to deliver to the User the obtained preliminary information collected from the Banks, on the basis of which the User, exclusively independently, selects the Bank.
• After the User independently selects a preliminary offer and Bank, the Platform undertakes to enable establishing contact between the User and the Bank's contact person.
• The Platform has the right to request additional information and data from the User for the purpose of Service execution.
• The User authorizes the Platform to cooperate with the Banks on their behalf and obtain preliminary information about the Banks' business offerings.

User obligations (Articles 3.11-3.13)

• The User undertakes to provide the Platform with accurate and complete information about all facts relevant to submitting a preliminary request.
• The User undertakes to provide the Platform with the necessary documentation for submitting a preliminary request in a timely manner and in the required form.
• The internet Platform usage Service is free for the User, i.e., the Platform does NOT charge the User a fee for such service.
• Use of the internet Platform Services shall in no way affect any obligations the User may have in a relationship established with the Bank.

Amendments and final provisions

Final provisions (Article 4):

• All subsequent amendments and additions to these Terms must be published on the Platform, indicating the date of the last update. The Platform shall be obligated to notify the User of changes via email.
• If the User does not agree with such amended or supplemented Terms, they shall be obligated to notify the Platform via email and deactivate their User account from the Platform.
• These Terms shall enter into force on February 16, 2026.