Responsible Lending Policy

Last Updated: July 8, 2026

1. Our Commitment

At Directva.net, operated by ESSEPI HOLDING S.R.L., we are committed to promoting responsible lending practices that support the financial well-being of our customers.

We believe that access to credit should be based on fairness, transparency, and affordability. Our goal is to help applicants obtain financing that is appropriate for their financial circumstances while encouraging responsible borrowing.

2. Responsible Lending Principles

Our lending process is guided by the following principles:

Fair and transparent communication.
Responsible assessment of each application.
Protection of customer information.
Compliance with applicable legal and regulatory requirements.
Prevention of over-indebtedness.
Ethical business practices.
Respect for customer rights.

3. Affordability Assessment

Before any financing is approved, an assessment may be carried out to determine whether the requested loan appears affordable based on the information provided by the applicant.

The assessment may include:

Income verification.
Employment status.
Existing financial commitments.
Credit history where permitted by applicable law.
Financial obligations.
Supporting documentation.

Approval is never automatic and remains subject to internal evaluation procedures and the policies of the financing provider.

4. Borrow Responsibly

Borrowing money is an important financial decision.

Applicants are encouraged to borrow only the amount they genuinely need and only if they are confident they can comfortably meet the repayment obligations.

Before submitting an application, applicants should carefully consider:

Their current income.
Monthly expenses.
Existing debts.
Future financial commitments.
Potential unexpected expenses.

5. Clear Information

We aim to provide clear and understandable information regarding financing products.

Where applicable, customers will receive information regarding:

Loan amount.
Interest rate.
Annual Percentage Rate (APR), where required.
Repayment schedule.
Total amount payable.
Applicable fees and charges.
Contractual conditions.

Applicants should carefully review all documentation before accepting any financing agreement.

6. No Guaranteed Approval

Submitting an application through Directva.net does not guarantee approval.

Each application is reviewed individually and may be declined based on factors including affordability, identity verification, legal compliance, risk assessment, or other relevant considerations.

7. Prevention of Financial Difficulty

We encourage applicants not to borrow if doing so could place them under financial stress.

Loans should not be used to:

Cover ongoing financial hardship without a sustainable repayment plan.
Finance illegal activities.
Misrepresent financial circumstances.
Circumvent existing financial obligations.

Applicants experiencing financial difficulties are encouraged to seek independent financial advice before taking on additional borrowing.

8. Customer Responsibilities

Applicants are expected to:

Provide complete and accurate information.
Notify us of any significant changes affecting their application.
Read all loan documentation carefully.
Ask questions if any terms are unclear.
Make repayments on time according to the agreed schedule.

9. Data Protection

Personal information collected during the application process is handled in accordance with our Privacy Policy and applicable data protection legislation.

Customer information is processed only for legitimate business purposes, including application assessment, fraud prevention, legal compliance, and customer support.

10. Complaints

We are committed to treating customers fairly.

If you are dissatisfied with our services, you may contact us so that we can investigate your concerns promptly and fairly.

Email: info@directva.net

Phone: +39 350 155 6189

11. Policy Updates

This Responsible Lending Policy may be updated periodically to reflect changes in legal requirements, industry standards, or our internal procedures.

The latest version will always be available on this Website.

12. Contact Information

For questions regarding this Responsible Lending Policy, please contact:

ESSEPI HOLDING S.R.L.

Via Torino 4

37035 San Giovanni Ilarione (VR)

Italy

Email: info@directva.net

Phone: +39 350 155 6189

WhatsApp: +39 350 155 6189