Terms of Use

Last updated: January 2026

1. Acceptance of Terms

By accessing this website, operated by CREDIT NETWORK & FINANCE SPA (CNF SPA), Via Flavio Gioia 39, 37135 Verona, Italy, you agree to these Terms of Use. If you do not agree, please discontinue use of the site.

2. Informational Purpose Only

The content published on this website is provided for general informational purposes relating to credit management and debt collection practices. It is not intended as, and should not be relied upon as, legal, financial, or professional advice.

3. No Offer of Services

Nothing on this website constitutes an offer to provide paid services, and no contractual relationship arises solely from your use of this site or submission of the contact form.

4. Accuracy of Information

While reasonable care is taken in preparing the content on this website, CNF SPA makes no warranty as to the completeness, accuracy, or currency of the information provided, and content may be updated periodically without notice.

5. Intellectual Property

The text, layout, and graphic elements of this website are the property of CNF SPA or used with permission, and may not be reproduced without prior written consent, except for personal, non-commercial reference.

6. Third-Party Links and Images

This site may include photographic material sourced from third-party stock libraries. Such material is used under the applicable licence terms of the respective source.

7. Limitation of Liability

To the extent permitted by applicable law, CNF SPA shall not be liable for any loss or damage arising from reliance on the informational content of this website.

8. Governing Law

These Terms of Use are governed by the laws of Italy, without prejudice to any mandatory consumer protection provisions that may apply.

9. Contact

Questions about these Terms of Use can be directed to support@cienneffe.ltd.