Terms of Service

1. Acceptance of these terms

By accessing or using this website, you agree to these Terms of Service. If you do not agree with them, please do not use this website.

2. Nature of this website

This website is operated by CREDIT NETWORK & FINANCE S.P.A. to provide general, non-binding information about credit management, debt collection, receivables management and related financial services. This website is strictly informational.

• We do not offer any paid services, subscriptions or products through this website.
• We do not pursue debt collection or receivables recovery on behalf of any party through this website.
• We do not provide personalised credit, tax or legal advice.
• Nothing on this website is a demand for payment, a legal notice, or an offer to represent any party.

3. No professional relationship

Using this website, submitting the contact form, or corresponding with our information desk does not create a client, advisory, or fiduciary relationship of any kind between you and CREDIT NETWORK & FINANCE S.P.A.

4. Accuracy of information

We take reasonable care to keep the information on this website accurate and up to date. However, credit and debt collection regulation can vary by jurisdiction and change over time, and we make no warranty that the content is complete, current, or applicable to your particular situation. Always verify case-specific matters with a licensed adviser or the relevant authority.

5. Acceptable use

You agree not to use this website in a way that could damage, disable, overburden or impair it, or interfere with any other party's use of it, including through unauthorised automated access.

6. Intellectual property

The text, layout and design of this website are the property of CREDIT NETWORK & FINANCE S.P.A. unless otherwise indicated, and may not be reproduced for commercial purposes without prior written consent. Third-party imagery used on this site is licensed for use under the applicable stock photography terms.

7. External links

This website may link to official regulators or other third-party resources. We do not control and are not responsible for the content, accuracy or availability of external websites.

8. Limitation of liability

To the extent permitted by applicable law, CREDIT NETWORK & FINANCE S.P.A. shall not be liable for any loss or damage arising from your use of, or reliance on, the information published on this website. Nothing in these terms limits liability where it cannot lawfully be excluded.

9. Changes to these terms

We may revise these Terms of Service from time to time. Continued use of the website after changes are published constitutes acceptance of the revised terms.

10. Governing law

These terms are governed by the laws of the Italian Republic, without regard to its conflict-of-law provisions.

11. Contact

Questions about these Terms of Service can be sent to support@cienneffe.org or to our registered address: Via Flavio Gioia, 39, 37135 Verona, Italy.