Regulations for the provision of services by the website


For the purposes of these Regulations, the terms and terms indicated below have the following meaning:

  1. "Website" - means the website under the name "", owned by Adepto spółka z oo, based in Rybnik at ul. Raciborska 35a, entered into the National Court Register kept by the District Court in Gliwice, 10th Commercial Division of the National Court Register, under number 0000762240, with share capital in the amount of USD 50,000.00, NIP number: 423-639-9911.
  2. "User" - any person who uses the Website;
  3. "Regulations" - these regulations for the provision of services by the Website;
  4. "Supplier" - means a financial institution that is the owner of the financial product offered to the User;
  5. "Services" - services provided electronically by the Website, consisting in transmitting the User's application submitted via the form available on the Website to the Suppliers in order to present the financial product offer;
  6. "Partner" - means an entity cooperating with the Website, the list of Partners is available on the website .


  1. The Regulations define the rules of using the Website, the scope of responsibility of the User and the owner of the Website (Michael Dorf.o) and all organizational information.
  2. By using the Website, the User confirms that he has read the Regulations, accepts their provisions and undertakes to comply with them.
  3. The website reserves the right to introduce changes and modifications to the Regulations upon prior notification of the Users 7 days in advance. The Users will be informed about changes to the Regulations on the Website and by e-mail to the addresses indicated by Users in the form contained on the Website, if they are completed.
  4. Complaints will be considered in accordance with the Regulations and generally applicable law.
  5. The use of the Website is free of charge.


  1. The User, via the contact form contained on the Website, provides the Website with his personal data necessary to transfer to the Suppliers in order to present the User by these Providers with an offer of a financial product (understood as a loan, credit or other form of financing provided for by the provisions of generally applicable law) and information about the amount requested by the User and the number of installments in which the User intends to repay the financial product. The User's personal data will be transferred to the Website when, after correctly filling in the required fields of the contact form and selecting the consents required to provide the website services, the User clicks the "Save and go to the next step" button.
  2. The Website provides the Suppliers with the information received from the User in order for the Suppliers to present their financial product offer. On the basis of the data provided by the Website and the Supplier's internal requirements, the Supplier decides whether or not to conclude a financial product agreement with the User. The Website shall not be liable to the User in any way in the event that the Provider refuses the User to conclude a contract for a financial product.
  3. The final terms of the financial product agreement for which the User applies via the Website is determined by the Supplier. The examples indicated on the Website are only representative, and the final terms of the Supplier's offer may differ from them.
  4. The Website will not be able to provide the Provider with information regarding the User and the preliminary conditions of the financial product for which the User has applied, until all the fields in the form available on the Website are completed and the consents indicated in the form are not marked by the User. Marking consents and completing the form is voluntary, but necessary to use the Website's services and to present the Supplier's financial product offer to the User.
  5. The information referred to in point 1 will not be provided to all Suppliers at the same time, but in the order determined by the Website. User data is not profiled.
  6. In the event that the Provider to whom the Website provided the User's data in the first instance to conclude a contract with the User for a financial product, the User's data will be transferred to the next Provider. In the event that none of the Suppliers conclude a contract with the User for a financial product, the User will be displayed a subpage with a link to the Partner's or Supplier's website. Clicking on the displayed link will redirect the User to the Partner's or Supplier's website, the rules of which the User is obliged to read. The website is not responsible for the content and rules of the Partners and Suppliers' websites.


  1. The Website Owner (Michael Dorf.o.) makes every effort to provide Users with permanent access to the Website and the services provided, however, he does not guarantee that the use of the Website will be without errors and interruptions and reserves the right to suspend or limit access to the Website. at any time, without informing Users about it, in particular if it is required by the safety of Users or the Website.
  2. The Website reserves the right to change, delete, add information, content and content of the Website without informing Users about their entry. Users will be informed about changes to the Regulations of the Website in accordance with its provisions.
  3. The Website is not responsible for the content and content of other websites and portals to which the User may be redirected by using the links on the Website.


  1. The User is obliged to use the Website in a manner consistent with the provisions of generally applicable law, including respect for intellectual property rights, as well as the principles of social coexistence and good manners.
  2. The User is obliged to use the Website in a responsible manner. It is forbidden to provide illegal data and introduce viruses and other elements to the website that could damage, destroy or have any other negative impact on the functioning of the website.
  3. The user is responsible for any damages suffered by Michael Dorf.o. or Suppliers, including those caused by incorrect data provided by the User in the form available on the Website.
  4. Users are liable to Michael Dorf.o. liability for damages resulting from their behavior inconsistent with the provisions of these Regulations and the provisions of generally applicable law.


  1. Michael Dorf.o. make every effort to ensure that the data presented on the Website is complete, up-to-date and consistent with the facts, however, the final shape of the financial product offer presented to the User does not depend on the Website and will be presented to the User directly by the Supplier. The Website is not responsible for the consequences of using the data presented on the Website in making financial decisions by the User.
  2. The data published on the Website is for information purposes only and does not constitute an offer within the meaning of the Civil Code.
  3. Opinions and comments presented on the Website are an expression of the personal knowledge, views and experience of their authors. The website does not take any responsibility for them.
  4. The Website is not liable for any damage suffered by Users due to a break in access to the Website, caused by: force majeure, including malfunctions, failures, including Internet failures, failures of hardware or software used by the User.


  1. The Website is not the owner of financial products and is not responsible for the financial products offered by Suppliers. Before concluding a financial product agreement with the Provider, the User should read its content.
  2. If the User fails to comply with the terms of the financial product agreement concluded with the Provider, the User is solely responsible.
  3. The Website User, by filling in the forms on the Website or by clicking on advertising creations presented therein, may be redirected to the websites of the Suppliers of financial products or the Website's owner's Partners, using redirecting links. The Website does not control and is not responsible for the content of websites to which the User using the Website may be redirected.
  4. Third parties (Suppliers), as owners of financial products, establish their own terms and conditions regarding the products offered. Before signing a financial product or service agreement, the User should read all the terms and conditions of the offer set by the Provider.


  1. All materials presented on the Website are protected by copyright, in particular: trademarks, documents, texts, graphics, photos. The rights to use, copy and distribute all data available on the Website are subject to the provisions of the Act of February 4, 1994 on copyright and related rights (Journal of Laws No. 24, item 83, as amended).
  2. Website users are obliged to respect intellectual property rights.
  3. The use of data from the Website for commercial purposes requires the written consent of the person representing the Website each time.
  4. By sharing their own content on the Website, Users consent to their use by other Website Users for their personal use and is granted by Michael Dorf.o. the rights to copy, edit and distribute this material.


Users' personal data are processed in accordance with the Website's Privacy Policy and Cookies .


  1. The purpose of the Website is to provide Users with the highest quality services. However, if the level of service is considered insufficient by the User, he may submit a complaint in writing by sending the complaint to the address: ul. Marion Street 35a, 1388 Texas or via e-mail, by sending it to the following address: [email protected]
  2. Filing a complaint should include the name of the person submitting the complaint (name, surname, e-mail address) and a description of the event giving rise to the complaint.
  3. Information about the result of the complaint procedure will be provided to the User, via e-mail, within 14 days from the date of receipt of the complaint by the Website.


  1. The Regulations of the Website shall enter into force on November 4, 2019
  2. In matters not covered by these Regulations, the provisions of generally applicable law shall apply.
  3. The website reserves the right to amend these Regulations at any time.
  4. Changes made to the Regulations will be made available on the Website and sent to the User's e-mail address provided during registration. Amendments to the Regulations come into force within 7 days of their publication or sending to the User's e-mail address.
  5. The use of the Website by the User after the amendments to the Regulations enter into force is tantamount to accepting these changes.
  6. In the event that any provisions of these Regulations are found by a court or other authorized body to be invalid or ineffective in whole or in part, the remaining provisions of these Regulations, as well as an important part of the invalid provision, shall remain in force.
  7. Any disputes arising from the application of these Regulations, the parties undertake to settle amicably. Any disputes not resolved amicably will be resolved by a common court having jurisdiction over the seat of Michael Dorf.o.
1500 $
min. $ 100 max. $ 25,000
24 months
min. 3 months max. 60 months

Installment from: $ 100 *

APRC from 0.00 % *