Terms & Conditions

Last Updated: July 8, 2026

1. Introduction

Welcome to Directva.net (“Website”), operated by ESSEPI HOLDING S.R.L.

These Terms & Conditions govern your access to and use of this Website and the services offered through it. By accessing or using this Website, you acknowledge that you have read, understood, and agree to be bound by these Terms & Conditions.

If you do not agree with these Terms, you should not use this Website.

2. Company Information

Website: Directva.net

Operator: ESSEPI HOLDING S.R.L.

Registered Office:

Via Torino 4

37035 San Giovanni Ilarione (VR)

Italy

VAT Number: IT03427910231

Tax Code: 03427910231

European VAT Number: IT03427910231

Email: info@directva.net

Phone: +39 350 155 6189

WhatsApp: +39 350 155 6189

3. Purpose of the Website

Directva provides information regarding financing solutions and enables users to submit loan requests through an online application process.

The Website is intended solely for informational purposes and for facilitating communication between applicants and financing providers or financial partners.

Submitting an application through the Website does not constitute acceptance, approval, or a legally binding commitment to grant a loan.

4. Eligibility

To use our services, you must:

Be at least 18 years of age.
Have the legal capacity to enter into binding agreements.
Provide accurate, complete, and truthful information.
Submit any documentation reasonably requested during the assessment process.
Comply with all applicable laws and regulations.

We reserve the right to refuse or discontinue services where eligibility requirements are not met.

5. Loan Applications

All loan applications are subject to:

Identity verification.
Creditworthiness assessment.
Anti-money laundering (AML) checks.
Know Your Customer (KYC) procedures.
Internal risk evaluation.
Additional documentation where required.

Loan approval is never guaranteed.

The amount offered, interest rate, repayment period, and other contractual conditions may differ from any preliminary information displayed on the Website.

6. Financial Information

Any loan amounts, repayment examples, monthly payment estimates, calculators, or illustrative figures displayed on the Website are provided for informational purposes only.

Final financing conditions will be determined during the formal evaluation process and confirmed in the loan agreement, if approved.

7. User Responsibilities

Users agree to:

Provide truthful and accurate information.
Keep their contact information up to date.
Refrain from submitting fraudulent applications.
Not misuse the Website.
Not attempt unauthorized access to our systems.
Respect applicable laws while using our services.

Any fraudulent activity may result in immediate rejection of the application and may be reported to the appropriate authorities.

8. Intellectual Property

All content available on Directva.net, including text, graphics, logos, software, icons, images, layouts, trademarks, and design elements, remains the exclusive property of ESSEPI HOLDING S.R.L. or its licensors.

No content may be copied, reproduced, distributed, modified, or commercially exploited without prior written permission.

9. Privacy

Your personal information is processed in accordance with our Privacy Policy and applicable data protection legislation.

By using this Website, you acknowledge that your information may be processed for the purposes of evaluating loan applications, identity verification, fraud prevention, legal compliance, and customer support.

10. Cookies

The Website uses cookies and similar technologies.

For further information, please consult our Cookie Policy.

11. Website Availability

Although we strive to provide uninterrupted access, we do not guarantee continuous availability of the Website.

Maintenance, technical issues, security updates, or events beyond our reasonable control may temporarily interrupt access.

12. Disclaimer

The information published on this Website is provided in good faith for general informational purposes only.

Nothing contained on the Website constitutes financial, legal, accounting, or investment advice.

Users should carefully evaluate any financing decision and seek independent professional advice where appropriate.

13. Limitation of Liability

To the fullest extent permitted by applicable law, ESSEPI HOLDING S.R.L. shall not be liable for any direct, indirect, incidental, consequential, or special damages arising from:

Use of the Website.
Inability to access the Website.
Delays in processing applications.
Decisions regarding loan approval or refusal.
Errors or omissions in Website content.
Technical interruptions.
Third-party services.

Nothing in these Terms excludes liability where such exclusion is prohibited by applicable law.

14. Third-Party Services

The Website may contain links to external websites or services operated by third parties.

We are not responsible for the content, security, availability, or privacy practices of third-party websites.

Accessing such websites is entirely at the user’s own risk.

15. Anti-Fraud Measures

We reserve the right to verify all information submitted through the Website.

Applications suspected of fraud, identity theft, document forgery, or unlawful activity may be rejected without notice and reported to competent authorities where required by law.

16. Amendments

We may modify these Terms & Conditions at any time.

Updated versions will be published on this page together with the revision date.

Continued use of the Website after publication constitutes acceptance of the revised Terms.

17. Governing Law

These Terms & Conditions shall be governed by and interpreted in accordance with the applicable laws governing ESSEPI HOLDING S.R.L., without prejudice to any mandatory consumer protection laws applicable in the jurisdiction of the user.

Any dispute arising from or relating to these Terms shall be submitted to the competent courts as provided by applicable law.

18. Contact Information