Addendum for payfinans.se

Last updated 17/11/2022

PayFinans.se (hereinafter the website) is owned and operated by:
Firstborn Group (hereinafter “Firstborn”)
Toldbodgade 51, 3. TV
1253 Copenhagen K
Denmark
[email protected]
CVR: DK35857575

We wish you a good experience on the website. We take your digital security seriously. Therefore, your data is always processed securely and confidentially via our encrypted SSL connection. It is your security so that you can feel safe when you enter your personal information such as social security number, e-mail and income. By submitting the application and other use of the website and our services, you accept the below terms and conditions as well as the privacy and personal data policy on the website.

Lending

Firstborn are not responsible lenders, but are a platform for forwarding applications to relevant loan brokers or lenders, these loans cannot be seen as a representative sample of the market.

Questions regarding your loan

If you have questions regarding your loan, you can contact our partner and responsible loan intermediary Zmarta at:

Tel: 0431‑47 47 00
Fax: 0431‑47 47 49
E-mail: [email protected]

You can also contact the lender with whom you entered into a loan agreement through Zmarta.

Loan conditions

You must not provide any security for the loan. Interest example: Annuity loan 10 years, SEK 180,000, variable interest rate 5.95% (start fee SEK 0 / notice fee SEK 0) gives an effective interest rate of 6.11%. Total amount: SEK 239,262. Cost: SEK 1,994/month (120 installments). Interest 2022-05-30.

Procedure for granted loan

On this page you can read more about what the loan process looks like if a loan is granted.

Right of withdrawal

You can terminate the loan offer you received by contacting Zmarta or the lender from whom you received an offer. As long as the loan agreement is not signed, it can be terminated at any time. You also have a 14-day right of cancellation on your loan after the agreement is signed. The 14 days are counted from the day you/the borrower receives the payment in your bank account. Your loan agreement states how much you must pay in daily interest for the period when you had access to the loan. It is important that you contact your lender as quickly as possible to find out how much you have to repay. You do not pay any fees when you cancel a loan. Your daily interest is calculated for the period you have had access to the loan. Your daily interest is calculated and written down in your loan agreement. If there are problems with your right of withdrawal, you can submit a complaint to the Financial Supervisory Authority at www.fi.se.

Complaint

If you have a complaint about the loan, you can contact [email protected] or the lender with whom you entered into a loan agreement. If problems arise that you cannot solve, you can submit a complaint to the Financial Supervisory Authority at www.fi.se.

Processing of personal data

In connection with the completion and submission of the loan application, personal data about you is registered (loan amount, your name, your social security number, e-mail and mobile number, your marital status and possibly other loan amounts). The personal data can be registered continuously before the submission of the loan application in order to increase user-friendliness and to be able to resume the application when reloading the website, via e-mail or other support. All registration, storage and other processing of your personal data takes place in consideration of Firstborn’s privacy and personal data policy.

Collaborative partners and other third parties

Firstborn does not sell any products or services that require payment from you as a customer. However, the website may contain links or references to third parties that Firstborn collaborates with. These partners may require payment for products or services. In some cases, Firstborn receives a commission from these partners.

Cookies

The website uses cookies. In our cookie policy, you can read more about the use of cookies on the website, as well as how to reject cookies.

Changes

Firstborn may at any time change these terms of use for use of the website with effect on future use. Changes to the terms are automatically accepted by you upon continued use of the website. These terms and conditions were last updated on May 7, 2019.

Legal disputes

Any disputes between you and Firstborn regarding these terms of use for use of the website shall be settled in accordance with Swedish law at Swedish courts.