1. Acceptance of terms
By using the service, you acknowledge that these Terms apply to your access and use of SELENA, OOO digital financial-service functionality and that continued use constitutes acceptance of the current version.
2. Eligibility and account responsibility
- You must be at least 18 years old to access loan-related functions.
- You must provide complete, accurate, and current information where the service requests it.
- You are responsible for keeping your credentials secure and for activity conducted through your account access.
3. Service scope
SELENA, OOO provides digital access to customer onboarding, verification, repayment-related support, and other loan-related service flows. Final commercial or contractual terms are determined separately through approval procedures and the individual agreement.
4. User conduct
- Do not submit false, misleading, or outdated information.
- Do not interfere with platform operation, bypass security controls, or seek unauthorized access.
- Do not use the service for unlawful purposes or in a way that infringes third-party rights.
- Use the platform only in line with these Terms and applicable law.
5. Product disclosures and repayment information
Figures displayed in the interface, including amount ranges, rates, fees, examples, or APR values, are informational disclosures intended to support user understanding. Binding obligations arise only after approval and acceptance of the relevant agreement.
6. Data processing
Personal information is handled according to the current Privacy Policy published by SELENA, OOO. Use of the service indicates acknowledgement of those data-processing practices.
7. Third-party services
The service may depend on external providers such as payment, hosting, or verification partners. SELENA, OOO is not responsible for policies or practices applied by independent third-party platforms outside its control.
8. Intellectual property
Platform content, software, branding, interface elements, and supporting materials are owned by SELENA, OOO or used under valid license. Users receive only a limited right to use the service for lawful intended purposes.
9. Suspension and termination
SELENA, OOO may suspend or terminate access where required by law, security concerns, signs of fraud, misuse of the platform, or breach of these Terms.
10. Disclaimers and liability limits
- The service is made available on an available basis to the extent permitted by law.
- Continuous or uninterrupted operation cannot be guaranteed at all times.
- To the maximum extent allowed by law, SELENA, OOO is not liable for indirect or consequential losses resulting from service use.
11. Governing law and updates
These Terms are governed by the laws applicable to SELENA, OOO operations. Updated versions may be published from time to time, and the latest published version replaces the previous one.