Términos y condiciones

Friendly Group Spain, SL, with registered office at Av. Diagonal, 415, 5a. Plant, Barcelona, Spain and CIF number B66484924, is registered in the Mercantile Registry of Barcelona, Volume 44773, folio 164, sheet B 467104, Inscription 1ª. Phone: 930160383. E-Mail clientes@minicreditosenlinea.com.

Friendly Group Spain, SL is a company whose provision of financial services is to offer short-term, non-bank microloans through the Internet. The provision of its services is subject to the regulations of the financial sector which is applicable in Spain and is subject to voluntary compliance with the Code of Good Practices of the Spanish Association of Microloans (AEMIP).


1.1. Friendly Group Spain, SL, is the owner of the website https://www.minicreditosenlinea.es, and reports that use of the site as well as all the “Services” and “Contents” offered therein is subject to The present Conditions, as well as the particular conditions and the policies of treatment of personal data.

1.2. The use of the Website is free and automatically attributes the status of “User”, implying full acceptance of these Terms. These Conditions, as well as their modifications or other legal notices will be available in the Web Site and will be understood effective since its publication in the same.

1.3. Certain Services or Content offered on the Website (in particular microloan services) are or may be subject to “Particular Conditions”, also made available to the User, which may supplement or replace these Conditions with respect to the use of the specific service at That refer. Prior to the hiring of such Services the User may access the particular conditions applicable to them and, in particular, must accept them for the formalization of the contract.

Website Content

2.1. The Website offers information and other content prepared by Friendly Group Spain, SL for information purposes only. The User is informed that such Content may not reflect the most recent state of the financial sector or assume a mere opinion about it, and Friendly Group Spain, SL may modify, delete, develop or update them unilaterally without prior notice and without assuming any responsibility.

2.2. The contents of the Website can not be considered, in any case, as a substitute for financial or other advice. Access to them is free and does not imply any relationship between Friendly and the User, nor any other type of trust or professional relationship between Friendly Group Spain, SL and the Website User. The User must not act on the basis of the information contained in the Website, without first having recourse to the corresponding professional advice and duly evaluating the information requested or any other elements that must come together in his decision and / or request for Services.

2.3. The hypertext links that the Website contains to other websites are included because they are considered interesting for the User, without implying the existence of any relationship, promotion or professional relationship between Friendly and the owner of the website. Friendly Group Spain, SL has no control over these websites, so it does not respond, its services, contents or the status of them.


3.1. Whoever uses this Website, does so at their own risk. Friendly Group Spain, SL does not guarantee that the Website will be maintained uninterrupted, without delay, without errors, without omissions or free of viruses. Consequently, the Website and its Contents are provided “as is” without any guarantees, expressed or implied, making it clear that neither Friendly Group Spain, SL, nor its partners, employees, employees or representatives shall be liable For any error or omission in the Contents or Services or for any damages derived from the use of this Website, or for any action taken on the basis of the information provided therein.

Industrial and Intellectual Property Rights

4.1. All contents of this Website, whether texts, images, sound, files, trademarks, logos, combinations of colors, or any other element, its structure and design, the selection and presentation form of the Contents included in the And the computer programs necessary for its operation, access and use, are protected by industrial and intellectual property rights owned by Friendly Group Spain, SL or, as the case may be, by its licensors, which the User must respect.

4.2. The storage and temporary reproduction of some or some of the Contents of the Website is authorized, for the purpose of being used for a personal and non-commercial purpose. Reproduction, permanent storage and dissemination of the Content of the Website or any use for public or commercial purposes is strictly prohibited without the prior written consent of Friendly Group Spain, SL

Treatment of personal data

5.1. Friendly Group Spain, SL hereby informs its customers and any third party for the purposes of the Organic Law 15/1999, of December 13, on Personal Data Protection (hereinafter “LOPD”), to deliver their personal data to this entity on its policy of Protection of Personal data, which is available on the website, at the following link   “data Protection Policy” .

5.2. The User grants its express consent to Friendly Group Spain SL to request from its third party payment providers, information on the execution of payment orders made through said third parties in favor of the User, in order to determine that said payment has been received by The User in order to prevent and act on any illegal use of the Services provided by Friendly Group Spain, SL. In turn, and based on the foregoing, the User grants such consent to the third party payment provider (s) to provide the information requested by Friendly Group Spain, SL under the terms set forth above. Such data will be used only for the purposes listed above.

Jurisdiction and applicable legislation

6.1. The present General Conditions of use of the Website and all the relations established between the User and Friendly Group Spain, SL, will be governed by the Spanish legislation being the competent jurisdiction of the courts of Barcelona.