Terms of Service

Last updated: 1 July 2026

1. Acceptance of terms

By accessing or using crefo-factoring.org, you agree to be bound by these Terms of Service. If you do not agree with any part of these terms, please do not use this website.

2. Nature of this website

Crefo-Factoring Nord GmbH operates this website as a general informational resource about factoring and receivables financing. Content is provided for educational purposes and reflects general industry practice, which may vary between providers, jurisdictions, and individual contracts.

3. No financial, legal, or professional advice

Nothing on this website constitutes financial, legal, tax, or investment advice, and it should not be relied upon as a substitute for advice from a qualified professional familiar with your specific circumstances. Any decisions you make regarding factoring, receivables financing, or related arrangements are your own responsibility.

4. No paid services offered

This website does not offer, sell, broker, or process any paid financial product or service. We do not act as a lender, factor, or financial intermediary through this site. Any contact form submissions are handled as general enquiries only and do not create any contractual or financial relationship between you and Crefo-Factoring Nord GmbH.

5. Permitted use

You may access and read this website for your own personal or business informational purposes. You agree not to misuse the site, including by attempting to gain unauthorised access to it, interfering with its normal operation, or using automated means to scrape content at a scale that places undue load on our infrastructure.

6. Intellectual property

Unless otherwise indicated, the text, layout, and original graphics on this website are the property of Crefo-Factoring Nord GmbH or its licensors. Photographs used on this site are sourced from royalty-free stock photography providers under their respective licences. You may not reproduce substantial parts of this site for commercial redistribution without permission.

7. Third-party links and images

This website may reference or link to third-party resources for context. We do not control and are not responsible for the content, accuracy, or availability of third-party websites, and inclusion of a link does not imply endorsement.

8. Limitation of liability

This website is provided on an "as is" and "as available" basis. To the fullest extent permitted by applicable law, Crefo-Factoring Nord GmbH disclaims all warranties, express or implied, regarding the accuracy, completeness, or currency of the information provided, and shall not be liable for any loss or damage arising from your use of, or reliance on, this website.

9. Changes to these terms

We may revise these Terms of Service from time to time. Continued use of the website after changes are posted constitutes acceptance of the revised terms. The date at the top of this page reflects the last revision.

10. Governing law

These terms are governed by the laws of the Federal Republic of Germany, without regard to its conflict of law principles, unless mandatory consumer protection law in your place of residence provides otherwise.

11. Contact

Questions about these Terms of Service can be sent to support@crefo-factoring.org or Crefo-Factoring Nord GmbH, Wandalenweg 8 – 10, 20097 Hamburg, Deutschland.