Terms of Use (Last updated: 24 November 2025)
Oper Credits BV and its current and future subsidiaries, including Oper Credits AG (collectively, “Oper”, “we”, “us”), provide these Terms of Use (“Terms”) for visitors to our website www.opercredits.com and any online content we publish (the “Site”).
These Terms apply only to individuals who visit or interact with our Site (“Site Visitors”).
By using the Site, you agree to these Terms. If you have questions, you may contact privacy@opercredits.com.
1. Using the Site
You may use the Site for general information about Oper’s products and services. You agree not to:
• use the Site unlawfully or in a way that disrupts its operation;
• access or attempt to access non-public systems or data;
• use automated tools (e.g., scrapers or bots) without permission;
• introduce malware or harmful content.
We may update or remove Site content at any time.
2. Intellectual property
All content on the Site — including text, design, images, and logos — is owned by Oper or our licensors. You may view the content for your own internal, non-commercial reference. You may not copy, modify, distribute or reuse Site content without our permission.
3. Information on the Site
The Site provides general information only about Oper’s products, services and company.
No professional advice: Nothing on the Site constitutes legal, financial, lending, regulatory or other professional advice.
No offer or commitment: Nothing on the Site constitutes an offer, invitation, commitment, or representation regarding products, services, credit decisions, eligibility or outcomes. Any engagement with Oper is subject to separate commercial agreements.
Accuracy and completeness: Content may be incomplete, outdated or changed without notice. Forward-looking statements (including product roadmap) are not guarantees. Do not rely on the Site for business, financial or operational decisions.
4. No warranties
The Site is provided “as is”. We do not guarantee that the Site will be: uninterrupted or error-free, secure or free from vulnerabilities, compatible with your devices or systems or up to date or complete.
5. Liability
To the maximum extent permitted by law, Oper is not liable for:
• indirect or consequential loss;
• loss of profits, revenue, business, savings or data;
• damage caused by malware, technical issues or third-party actions;
• reliance on information published on the Site.
This section does not limit liability where it cannot be excluded by law,
6. Third-party sites
Links to third-party websites are provided for convenience. We do not control or endorse them and are not responsible for their content, security or privacy practices.
7. Changes to these Terms
We may update these Terms. The “Last updated” date reflects the current version.
8. Governing law
These Terms are governed by Belgian law. Disputes will be resolved in the courts of Antwerp, Belgium, unless mandatory local law provides otherwise.
