Oroi xrisis | Athivor

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Athivor is a platform dedicated to the evaluation of financial products and financial education, focusing on creating and sharing informative content and detailed analyses of various financial services and products, such as credit cards, digital banks, loans, financing and more, offered by financial institutions. In addition, Athivor conducts reviews of banking products and provides other relevant content for those seeking knowledge in this area.

We operate a main website and may have other financial websites linked to our brand, as well as mobile applications, designed to provide a practical and personalised experience. Our goal is to help you make more informed financial decisions by recommending products and services that best suit your needs.

These Terms and Conditions of Use (“Terms”) are available at all times on our website and must be read together with our Privacy Policy, in compliance with applicable legislation, including but not limited to the EU General Data Protection Regulation (GDPR) and the Finnish Consumer Protection Act (38/1978).

  1. DEFINITIONS

1.1. For the purposes of these Terms, “User” means any natural or legal person who accesses or uses Athivor’s services, regardless of the access method, including mobile devices, tablets, computers, browsers, or other technology.

  1. ACCEPTANCE

2.1. By accessing or using Athivor, the User declares that they have read, understood, and agree to be bound by these Terms and our Privacy Policy.

2.2. The User also confirms that they are at least 18 years old or have reached the age of majority as defined in Finnish law, and have the legal capacity to enter into these Terms.

2.3. If the User does not agree to these Terms, in whole or in part, they must refrain from using Athivor’s services.

  1. CONTACT US

3.1. Users can ask questions, submit complaints, or request support regarding the services or content offered by Athivor by contacting us via: @athivor.com.

  1. RESPONSIBILITIES

4.1. By using our services, the User acknowledges and agrees to comply with these Terms and the Privacy Policy.

4.2. Athivor may include links to third-party websites that offer products or services. Such services are provided independently and are not controlled or endorsed by Athivor.

4.3. When redirected to third-party sites, the User must review and agree to those sites’ Terms and Privacy Policies before using their services.

4.4. Athivor is not liable for:

  • Third-party terms and privacy policies;
  • Information or content provided by advertisers;
  • Products or services purchased from third-party websites;
  • Damage caused by malware, viruses, or similar code encountered during use of our website;
  • Losses or damages resulting from misuse of our services or caused by force majeure.

4.5. The User is responsible for protecting their own device and maintaining up-to-date antivirus software.

4.6. The User agrees to:

  • Not infringe on the rights of third parties when using the website;
  • Not use the site for harassment, stalking, or unlawful surveillance;
  • Not engage in illegal, fraudulent, or inappropriate conduct;
  • Fully comply with these Terms and all applicable laws and regulations, including Finnish and EU consumer and data protection laws.
  1. TERM AND LIMITATION OF LIABILITY

5.1. These Terms remain in force for an indefinite period.

5.2. To the extent permitted by Finnish law, Athivor’s liability shall be limited to direct damages caused by proven negligence. We do not assume liability for indirect damages, such as lost profits, loss of opportunity, or reputational harm.

  1. MODIFICATION OF TERMS AND CONDITIONS

6.1. Athivor reserves the right to amend these Terms at any time. Users will be notified of material changes through our website or other communication channels.
6.2. Continued use of the website after updates constitutes acceptance of the new Terms. If you do not agree to the changes, you must discontinue using our services.

  1. GOVERNING LAW AND JURISDICTION

7.1. These Terms and any disputes related to them or to your use of Athivor’s services shall be governed by the laws of Finland, excluding its conflict of law provisions.

7.2. Any dispute that cannot be resolved amicably shall be submitted to the Helsinki District Court, unless otherwise required by mandatory Finnish consumer law.

7.3. If you are a consumer residing in Finland or elsewhere in the EU, you may also file a complaint via the EU Online Dispute Resolution platform: https://ec.europa.eu/consumers/odr/.

Athivor is an advertising supported platform offering financial recommendations and educational content. We receive compensation in exchange for the placement and promotion of sponsored products and services, which may influence how these are presented on our site. While Athivor strives to provide accurate and up to date information, product details may differ from those found directly on the websites of financial institutions. All products and services are presented without any guarantee regarding their ongoing accuracy, completeness, or timeliness. Athivor acts solely as an informational intermediary and does not provide its own financial products, conduct creditworthiness assessments, or participate in lending or credit decisions. These remain the sole responsibility of the relevant financial institutions and lenders. We do not request or accept payments, fees, or bank transfers from users under any circumstances. Product availability, terms, features, and eligibility criteria may vary and should always be verified directly with the provider. Before making any financial decisions, we strongly encourage you to review the provider’s Product Disclosure Statement, Terms and Conditions, and consult with an independent financial advisor if needed. Use of this site is subject to our Terms of Use and Privacy Policy, in accordance with the EU General Data Protection Regulation (GDPR) and Greek Law 4624/2019.