Terms of Use

Operator and scope

KOVA FINANCE, S.L. (doing business as “CREDALYE”), tax identification number B40536161, with registered office at Calle Felip María Garín 4, planta 1, B2, 46021 Valencia, Spain, operates this website.

These Terms apply to the U.S. pages and features identified under the /us/ section of the website. The availability of any provider connection, mortgage product, or service can vary by state and by the independent provider involved.

Nothing on this website states or implies that Credalye itself is licensed in the United States as a mortgage lender, mortgage broker, creditor, loan servicer, or mortgage loan originator. If the scope of the U.S. service changes, the applicable disclosures and these Terms must be updated accordingly.

Acceptable use

You may use the website only for lawful, personal, and legitimate purposes. You must not interfere with the site, attempt unauthorized access, introduce malicious code, overload the service, impersonate another person, or submit information you know is false or misleading.

The website is intended for adults. Do not use the public contact form to send Social Security numbers, passwords, full bank or card account numbers, tax returns, pay stubs, identity documents, or other highly sensitive records unless a secure, specifically identified process expressly requests them.

What Credalye does

Credalye helps users understand mortgage concepts, organize planning assumptions, use educational calculators, and contact Credalye with questions. Where a provider-connection feature is available and you choose to use it, Credalye may facilitate an introduction to an independent mortgage professional or provider.

Credalye does not fund mortgage loans, set a lender’s interest rate or APR, make underwriting decisions, issue a pre-approval, determine whether you qualify, or control a lender’s final fees, terms, disclosures, or closing decision.

Information and communications

Information you submit should be accurate and reasonably current. If you use the public contact form, submitting it asks Credalye to respond to your inquiry using the contact details you provide; it is not a mortgage application, authorization to pull credit, or consent to obtain a consumer report.

Marketing calls, automated calls, prerecorded or artificial-voice calls, or marketing text messages will require the consent required by applicable law when such consent is necessary. A consent to marketing is not a condition of using Credalye’s public information or planning tools. Commercial email, where sent, should provide the opt-out mechanisms required by applicable law.

Availability, security and third parties

Credalye uses reasonable measures intended to keep the website available and secure, but it cannot guarantee uninterrupted access, error-free operation, or that every technical or security risk can be eliminated.

The website may link to third-party sites or, when requested, connect you with independent providers. Those third parties operate under their own terms, privacy notices, licensing obligations, underwriting standards, and security practices. Credalye does not control their systems or credit decisions.

Information, tools and intellectual property

Mortgage content on this website is general educational information. It is not individualized financial, legal, tax, real-estate, or accounting advice. Mortgage rules, rates, loan programs, APRs, closing costs, taxes, insurance, mortgage insurance, and eligibility requirements can change and can differ by state, lender, property, and borrower profile.

Unless otherwise stated, the website’s text, design, software, graphics, and brand elements are owned by or licensed to Credalye and may be used only for personal, non-commercial purposes. You may not reproduce, republish, sell, or exploit substantial portions of the site without permission, except where applicable law allows it.

To the maximum extent permitted by applicable law, the website and its informational tools are provided on an “as is” and “as available” basis. Nothing in these Terms excludes or limits a right or liability that cannot lawfully be excluded or limited.

Mortgage providers and final loan terms

If you choose to continue with an independent mortgage provider, that provider is responsible for its own licensing or registration, application process, consumer disclosures, eligibility analysis, underwriting, credit decision, pricing, and final loan terms. Mortgage loan originators who take applications or offer or negotiate residential mortgage loan terms are subject to federal and state registration or licensing requirements.

For covered mortgage transactions, federal law may require disclosures such as a Loan Estimate and a Closing Disclosure from the creditor or lender. Credalye does not issue those disclosures unless it is legally acting in a role that requires it to do so.

Nothing in these Terms waives non-waivable rights under applicable federal or state law, including fair-lending, consumer-credit, privacy, communications, or other consumer-protection laws. If a provision conflicts with a mandatory legal protection, that mandatory protection controls.