User Agreement
This Agreement sets out the terms on which CPA MEDIA DOO provides the Mongeza loan matching service at mongeza.com. It applies from the moment a visitor submits a request through the Site.
1. Definitions
1.1.
Operator — CPA MEDIA DOO, the company that owns the Mongeza service and the website at mongeza.com and provides the Service under this Agreement. Site — that website, including the user account and every page and form hosted there.
1.2.
Service — the paid matching of a User request against the published criteria of Partners, the forwarding of the request to those Partners, and the delivery of the results to the User.
1.3.
User — an individual who submits a request through the Site on their own behalf and in their own interest.
1.4.
Partner — a lender or other credit organisation entitled to carry on lending in the United Arab Emirates that receives requests from the Operator.
1.5.
Request — the set of details a User enters on the Site so that the Service can be provided.
1.6.
Subscription — the User’s right to use the Service, renewed for successive periods of 30 days and paid for at the rate published in the Tariffs.
1.7.
Payment provider — the licensed payment institution that accepts card payments on the Operator’s behalf and handles card data instead of the Operator.
2. Status of the service
2.1.
The Operator is a matching service. It is not a bank, not a lender, not a credit bureau and not an agent of the User before any Partner, and it lends neither its own nor borrowed funds.
2.2.
The Service is complete once a Request has been matched, forwarded to the Partners it fits and the result has been made available in the user account. Whether a Partner then lends falls outside the subject matter of this Agreement.
2.3.
Payment for the Service does not guarantee that a loan will be granted, does not oblige any Partner to consider a Request and does not fix the terms of any future loan.
2.4.
Figures shown on the Site describe the range currently available across Partners: amounts from 500 AED to 20,000 AED, terms from 61 days to 730 days, and annual rates from 12% to 48%. The terms actually offered to a User are set by the Partner alone.
2.5.
The Operator receives no share of the interest or fees a Partner charges, and its remuneration does not depend on the size of any loan.
2.6.
Material published on the Site is information about the Service and is not an offer of credit.
3. Who may use the service
3.1.
The Service is available to individuals aged from 18 to 70 who reside in the United Arab Emirates and hold a valid identity document.
3.2.
By submitting a Request the User confirms that the data entered relates to the User personally, is accurate and is current.
3.3.
By linking a card the User confirms that they are its holder or are otherwise entitled to use it.
3.4.
The User keeps the access details of the user account confidential and informs the Operator at info@mongeza.com if they are lost or used without authorisation.
3.5.
The Operator may verify submitted data through sources lawfully available to it, including the Partners to which the Request is forwarded.
3.6.
The Operator may refuse or suspend the Service where the data given is knowingly false or self-contradictory, where the Site is used to submit another person’s data, where automated collection of the Site’s content is detected, or where the payment provider classifies the User’s conduct as fraudulent. These grounds are exhaustive.
4. How the agreement is formed
4.1.
The Agreement is concluded when the User ticks the acceptance box on the Site and confirms the payment. No signature on paper is required and none is asked for.
4.2.
Accepting this Agreement also means accepting the Recurring Payments Agreement, the Personal Data Processing Policy, the Payment Security Policy, the Refund and Chargeback Rules and the Tariffs.
4.3.
The Agreement is performed in electronic form. No certificate of services rendered is drawn up, and neither party needs one in order to rely on this Agreement.
4.4.
The version of each document that binds a User is the version published at mongeza.com at the moment that User accepted it. The Operator may amend these documents, and an amendment takes effect when it is published on the Site and applies only to periods beginning after publication.
4.5.
A User who does not accept an amendment may cancel your subscription before the next period begins. Continuing to use the Service after that point counts as acceptance.
5. Fees and payment
5.1.
The Service is paid for by subscription. The fee is 35 AED (thirty-five) for 30 days, as published in the Tariffs.
5.2.
The fee for one period may be taken as a single payment of 35 AED or split into parts 23 AED and 12 AED. Whatever the number of parts, the aggregate amount charged for that period does not exceed 35 AED.
5.3.
Splitting exists only to reduce declines by issuing banks. It never increases the price and never creates an additional period.
5.4.
When a card is linked, a separate one-off verification charge of 1 AED is made to confirm that the card is live. It is not part of the subscription fee and is not set off against it.
5.5.
The verification charge is returned to the same card within 14 days of the linking, automatically and without any request from the User.
5.6.
The Subscription renews every 30 days until it is cancelled. Each renewal is charged on the same terms as the first, as described in the Recurring Payments Agreement.
5.7.
Charges are made in the currency shown at the payment step. A card issuer may apply its own conversion rate or fee, which the Operator neither sets nor receives.
5.8.
The Operator may grant discounts to all Users, to a group of Users or to an individual User. A discount can only reduce the amount payable.
6. Cancelling the subscription
6.1.
The User may cancel the Subscription at any time and without giving a reason.
6.2.
There is one cancellation channel: the cancel your subscription page, or an email to info@mongeza.com sent from the address given at registration.
6.3.
No visit in person, no paper application, no notarised document and no telephone call is required, and the Operator may not make cancellation conditional on any of them.
6.4.
Cancellation takes effect when it is processed. No further charge is made after that moment, and the Operator confirms the cancellation by email.
6.5.
Results already delivered remain available in the user account until the end of the period that has been paid for.
6.6.
Cancellation on its own does not return money already charged. The return of a charge is dealt with under the Refund and Chargeback Rules.
7. Obligations of the parties
7.1.
The Operator provides access to the Service for each period paid for.
7.2.
The Operator forwards a Request only to Partners whose criteria the Request meets, and only so that they may assess it.
7.3.
The Operator processes personal data on the terms of the Personal Data Processing Policy and the consent to data processing.
7.4.
The Operator answers a claim sent to info@mongeza.com within 10 days.
7.5.
The Operator keeps the fee currently in force published on the Site at all times.
7.6.
The User gives accurate data and updates their contact details when they change, so that results and notices reach them.
7.7.
The User uses the Service personally: they do not resell access, do not submit Requests for other people and do not collect the Site’s content by automated means.
8. Liability
8.1.
The Operator answers for the provision of the Service itself. It does not answer for a Partner’s decision, for the terms a Partner offers or for the way a Partner performs a loan agreement.
8.2.
The Operator is not liable for a failure caused by the User’s device or connection, by the card issuer, or by an event beyond the Operator’s reasonable control. It does not promise that the Site will be available without interruption, and restores availability as quickly as it reasonably can.
8.3.
The Operator’s liability to a User is limited to the amount that User actually paid for the period in which the failure occurred.
8.4.
Nothing in this Agreement excludes or limits liability that cannot be excluded or limited under the law of the Republic of Serbia, including liability towards a consumer.
9. Disputes and final provisions
9.1.
This Agreement is governed by the law of the Republic of Serbia.
9.2.
A dispute is first raised in writing to info@mongeza.com, and the Operator replies within 10 days.
9.3.
A dispute the parties do not settle in correspondence is referred to the competent court in Belgrade, Republic of Serbia.
9.4.
If any provision of this Agreement is held invalid, the remaining provisions continue to apply.
9.5.
Messages sent to the email addresses the parties have given each other count as notices in written form. This Agreement and the documents it refers to are published in English at mongeza.com and are available there at any time.
Operator details
- Legal name
- CPA MEDIA DOO
- Jurisdiction
- Republic of Serbia
- Registration number
- 21838381
- Tax number
- 113282629
- Registered address
- Dubljanska 5a, Beograd, Serbia
- Director
- Rostislav Ringer
- Bank
- Raiffeisen banka a.d. Beograd
- IBAN
- RS35265100000069362811
- SWIFT
- RZBSRSBG
- info@mongeza.com