{"id":7190,"date":"2019-07-05T11:37:05","date_gmt":"2019-07-05T09:37:05","guid":{"rendered":"https:\/\/www.instantcredit.net\/?page_id=7190"},"modified":"2021-04-27T13:56:54","modified_gmt":"2021-04-27T11:56:54","slug":"instant-credit-platform-bulletin-board","status":"publish","type":"page","link":"https:\/\/www.instantcredit.net\/en\/instant-credit-platform-bulletin-board\/","title":{"rendered":"Instant Credit platform bulletin board"},"content":{"rendered":"<div class=\"ic_row ic_legal_text\">\n<div class=\"ic_row_center\">\n<div class=\"ic_item_1col ic_col_l\">\n<h1><span style=\"color: #007cbf;\">Instant Credit platform bulletin board<\/span><\/h1>\n<p><span class=\"ic_data_fresh\">Version: may 2019<\/span><\/p>\n<p style=\"padding-left: 10px;\"><strong>Platform Holder: <\/strong>LSP Finance, S.L.U (\u201c<strong>LSP<\/strong>\u201d)<\/p>\n<p style=\"padding-left: 10px;\"><strong>LSP\u2019s Registered office: <\/strong>calle Sena n\u00ba 12 (pol\u00edgono industrial Can Sant Joan), 08174, Sant Cugat del Vall\u00e9s.<\/p>\n<p style=\"padding-left: 10px;\"><strong>Tax Identification Number: <\/strong>B-66.681.602<\/p>\n<p style=\"padding-left: 10px;\"><strong>Web page: <\/strong><a href=\"https:\/\/www.instantcredit.net\/en\">https:\/\/www.instantcredit.net\/<\/a><\/p>\n<p style=\"padding-left: 10px;\"><strong>Liability insurance: <\/strong>Insurance company: AIG Europe Limited Branch in Spain. Registered at the Barcelona Mercantile Register under Volume 45221, Folio 130, Sheet 480835, Inscription 1.<\/p>\n<p style=\"padding-left: 10px;\"><strong>Registration in official registers: <\/strong>Registered at the National Registry of Companies engaged in intermediation of loan agreements of the National Consumer Institute under No. 629\/2016 of Section 2.<\/p>\n<p>Instant Credit is an intermediation system by means of which the User through the online platform may apply for (i) a loan to finance a purchase in a merchant or (ii) any other financial intermediation service that the platform can offer, for example, applying for a personal credit line.<\/p>\n<div class=\"subtitle_section\">\n<h2>1. Information on fees and expenses chargeable to the User for the intermediation service offered by Instant Credit<\/h2>\n<\/div>\n<div class=\"content_legal_table ic_legal_simple_table\">\n<table class=\"table1\" style=\"margin-left: 30px;\" border=\"1\" cellspacing=\"5\" cellpadding=\"5\">\n<tbody>\n<tr>\n<th>Service description<\/th>\n<th>Fees and expenses chargeable to the User<\/th>\n<\/tr>\n<tr>\n<td>Purchases Financing in merchants<\/td>\n<td>0,00 EUR<\/td>\n<\/tr>\n<tr>\n<td>Apply for a personal loan<\/td>\n<td>0,00 EUR<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<div class=\"subtitle_section\">\n<h2>2. Legislation governing consumer protection<\/h2>\n<\/div>\n<ul class=\"ic_legal_text_simple_list\">\n<li><a href=\"https:\/\/www.boe.es\/buscar\/act.php?id=BOE-A-1908-5579\" target=\"_blank\" rel=\"noopener noreferrer\">Act of July 23, 1908<\/a> on the nullity of loan sharking contracts.<\/li>\n<li><a href=\"https:\/\/www.boe.es\/buscar\/act.php?id=BOE-A-1998-8789\" target=\"_blank\" rel=\"noopener noreferrer\">Act 7\/1998<\/a> of April 13, on general contracting terms and conditions.<\/li>\n<li><a href=\"https:\/\/www.boe.es\/buscar\/act.php?id=BOE-A-2002-13758&amp;p=20140510&amp;tn=1#tiv\" target=\"_blank\" rel=\"noopener noreferrer\">Act 34\/2002<\/a>of July 11, on information society services and electronic commerce.<\/li>\n<li><a href=\"https:\/\/www.boe.es\/buscar\/act.php?id=BOE-A-2007-13411\" target=\"_blank\" rel=\"noopener noreferrer\">Act 22\/2007<\/a>of July 11, on distance marketing of consumers financial services.<\/li>\n<li><a href=\"https:\/\/www.boe.es\/buscar\/act.php?id=BOE-A-2007-20555\" target=\"_blank\" rel=\"noopener noreferrer\">Royal Decree 1\/2007<\/a>of November 16, approving the consolidated text of the General Law for the Protection of Consumers and Users and other complementary laws.<\/li>\n<li><a href=\"https:\/\/www.boe.es\/buscar\/act.php?id=BOE-A-2009-5391\" target=\"_blank\" rel=\"noopener noreferrer\">Act 2\/2009<\/a>of March 31, governing the procurement of loans or mortgages and intermediation services with consumers, for the conclusion of loans or credit contracts.<\/li>\n<li><a href=\"https:\/\/www.boe.es\/buscar\/act.php?id=BOE-A-2011-10970\" target=\"_blank\" rel=\"noopener noreferrer\">Act 16\/2011<\/a>of June 24, on consumer credit agreements.<\/li>\n<\/ul>\n<div class=\"subtitle_section\">\n<h2>3. Right of withdrawal<\/h2>\n<\/div>\n<p style=\"padding-left: 30px;\">If the user gives up his purchase in the Merchant within the legal deadline, for the purposes that the Financing Entity and the Merchant can comply with the provisions to terminate the &#8220;credit agreement related&#8221; to such purchase, the User consents and authorizes the Merchant to notify LSP of such withdrawal, so that LSP, in turn, can as an intermediary, notify this withdrawal to the Financing Entity.<\/p>\n<p style=\"padding-left: 30px;\">Additionally, the User has the right to withdraw from the intermediation contract within 14 days following its formalization, without any allegation cause and without penalty.<\/p>\n<\/div>\n<\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Instant Credit platform bulletin board Version: may 2019 Platform Holder: LSP Finance, S.L.U (\u201cLSP\u201d) LSP\u2019s Registered office: calle Sena n\u00ba 12 (pol\u00edgono industrial Can Sant Joan), 08174, Sant Cugat del Vall\u00e9s. Tax Identification Number: B-66.681.602 Web page: https:\/\/www.instantcredit.net\/ Liability insurance: Insurance company: AIG Europe Limited Branch in Spain. Registered at the Barcelona Mercantile Register under [&hellip;]<\/p>\n","protected":false},"author":7,"featured_media":4369,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"footnotes":""},"class_list":["post-7190","page","type-page","status-publish","has-post-thumbnail","hentry"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v23.4 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Instant Credit: Payment in instalments&#039; platform bulletin board<\/title>\n<meta name=\"description\" content=\"Platform bulletin board of Instant Credit, the first multi-lender platform for e-shoppers to buy and pay later in convenient monthly instalments\" \/>\n<meta name=\"robots\" content=\"index, nofollow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.instantcredit.net\/en\/instant-credit-platform-bulletin-board\/\" 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