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Terms of Use Letocredit.co.za

Last updated: 18.11.2025

These Terms of Use (“Terms”) govern your access to and use of the websites operated by Livornica AM LLC, including letocredit.mx, letocredit.pl, letocredit.co.za and any related platforms (“we”, “us”, “our”, “Website”).

By accessing or using our Website, you agree to be bound by these Terms.
If you do not agree with these Terms, you must stop using the Website immediately.

1. Data Controller

The Website is owned and operated by:

Livornica AM LLC
Republic of Armenia
Email: support@livornica.com

2. Age Requirements

You must be at least 18 years old to use this Website.
By using the Website, you confirm that you meet this requirement.

3. Nature of Services

  • We are not a financial institution and do not provide loans, credit, or financial services.

  • We provide informational and comparison services regarding financial products offered by third-party institutions.

  • We do not guarantee approval for any financial product.

  • Any financial decisions, applications, or agreements are strictly between you and the third-party financial institution.

4. No Financial Advice

Information on this Website is provided for informational purposes only and should not be considered financial, legal, or professional advice.
We recommend consulting qualified professionals before making financial decisions.

5. User Responsibilities

When using the Website, you agree that you will NOT:

  • Provide false, misleading, or inaccurate information

  • Submit applications on behalf of another person

  • Attempt to gain unauthorized access to our systems

  • Use bots, scrapers, crawlers, or automated tools

  • Engage in fraudulent or harmful activities

  • Interfere with the Website’s functioning (including DDoS, hacking, or altering code)

  • Violate copyright, trademarks, or intellectual property rights

We reserve the right to restrict or terminate your access if you violate these rules.

6. Third-Party Partners

  • To provide you with offers, we may submit your data to third-party financial institutions or partners.

  • We are not responsible for decisions, actions, or data processing practices of these third parties.

  • We are not a party to any agreements you enter into with financial institutions.

  • All third-party products and services are subject to their own terms and conditions.

7. Data Sharing

By submitting an application or request, you agree that we may:

  • Transfer your data to third-party financial partners

  • Share ClickID or tracking identifiers for attribution purposes

  • Use affiliate tracking technologies

All data processing is carried out in accordance with our Privacy Policy and Cookie Policy.

8. Intellectual Property Rights

All content on the Website is the property of Livornica AM LLC, including:

  • Text, logos, graphics

  • Layouts, design elements

  • Data compilations

  • Software and code

  • Trademarks and branding

You may not copy, reproduce, distribute, modify, or publish any content without our written permission.

You receive only a limited, non-exclusive, non-transferable right to use the Website for personal purposes.

9. Website Availability

We do not guarantee:

  • Continuous or uninterrupted access

  • Error-free operation

  • Accuracy or reliability of Website content

  • Compatibility with your devices or software

We may suspend or modify Website operations at any time without notice.

10. Limitation of Liability

To the fullest extent permitted by law:

  • We are not liable for any financial losses, damages, or decisions you make based on Website content

  • We are not responsible for actions or decisions of third-party institutions

  • We are not liable for technical issues, data loss, downtime, or errors

  • Our total liability for any claim is limited to the maximum extent permitted by the laws of the Republic of Armenia

You use the Website at your own risk.

11. Termination of Access

We may, at our sole discretion:

  • Block your access to the Website

  • Suspend or terminate your account or data

  • Refuse to provide services

  • Remove submitted information

…without needing to provide a reason, especially in cases of violation of these Terms.

12. Changes to These Terms

We may update or modify these Terms at any time.
Continued use of the Website after changes are published means that you accept the updated Terms.

The latest version will always be available on this page with the updated date.

13. Governing Law

These Terms are governed by and interpreted under the laws of the Republic of Armenia.

Any disputes must be resolved in the competent courts of Armenia.

14. Contact Information

For legal inquiries or questions about these Terms, contact us at:

support@livornica.com
Livornica AM LLC, Republic of Armenia