01
Civil Code, Art. 2250
Company Information and Official Identification Details
In compliance with the provisions of Article 2250 of the Italian Civil Code and the regulations on banking transparency set forth in the Consolidated Banking Act (Legislative Decree No. 385 of September 1, 1993), the legal, registration, and tax details of the company operating this fintech platform:
Company Name
PRESTIVANA S.r.l. (Single-Member Corporation)
Registered Office and Administrative Headquarters
5 Via Ala Ponzone, 26100 Cremona — Italy
Authorized and Paid-in Capital
€180,000,000 fully paid in
Tax ID Number and Business Registry
09876543210 (Chamber of Commerce of Milan, Cremona, Brianza, and Lodi)
EU VAT Number
IT01426650881
Administrative Economic Registry (REA) Number
MI - 2198475
Registration on the List of Credit Brokers (OAM)
Registration No. M117, with a resolution valid throughout the EU
Certified Email (PEC)
contact@prestivana.com
Professional Liability Insurance Policy
Lloyd's Insurance Company S.A. Policy No. B19401238 (Maximum Coverage: €2,500,000)
02
TUB, Article 128-sexies
The Role and Nature of Credit Brokerage
PRESTIVANA S.r.l. operates in the Italian and European financial markets exclusively as a Credit Broker, registered in the relevant list maintained by the Association of Agents and Brokers (OAM) under No. M117, in accordance with Title VI-bis of Legislative Decree No. 385 of September 1, 1993 (Consolidated Banking Law) and subsequent amendments made by Legislative Decree No. 141/2010.
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What We ARE NOT
PRESTIVANA S.r.l. is not a banking institution; it does not accept deposits from the public and does not directly disburse the requested capital in any form of credit.
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No Simulation Fees
Use of the online platform and the installment calculators is free for users and involves no contractual obligations or brokerage fees for the applicant.
PRESTIVANA’s business consists solely of connecting potential credit applicants with regulated banks and financial intermediaries with which it has agreements (pursuant to Article 106 of the Consolidated Banking Law), including through advanced digital channels for credit scoring and document intelligence, for the granting of loans in various forms (personal loans, auto loans, renovation loans, and cash loans).
03
Banking Transparency & SECCI
Banking Transparency, Installment Calculator, and Promotional Terms
All financial terms, interest rates (TAN and TAEG), and repayment installments displayed in the simulators or banners on the PRESTIVANA portal are provided for informational, illustrative, and promotional purposes only. Under no circumstances do they constitute a contractual proposal pursuant to Article 1326 of the Civil Code, nor a binding public offer pursuant to Article 1336 of the Civil Code.
Total Amount
€ 15.000
Refund Period
60 months
Fixed TAN
3,00%
Maximum APR
3,42%
Calculated monthly payment:
€ 269,63 (60 installments)
Total amount due:
€ 16.327,80
Application processing fee: €0.00. Installment collection fee: €0.00. Stamp duty on the contract has been paid where applicable. Terms and conditions are subject to a creditworthiness assessment and final approval by the chosen bank or lending intermediary. The customer has the right to request and receive, free of charge and before committing to the agreement, the document containing the "Standard European Consumer Credit Information" (SECCI).
04
Out-of-Court Settlement
Complaints Procedure and Appeals to the Banking and Financial Ombudsman (ABF)
Customers who believe that PRESTIVANA S.r.l. has acted improperly in the course of its brokerage activities may file a formal complaint by registered letter with return receipt (A/R) or via Certified Email (PEC).
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Sending via Certified Email (PEC)
Please send your correspondence with the subject line "Credit Mediation Complaint" to the following address:
contact@prestivana.com
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Send by Registered Mail with Return Receipt
Ship to:
PRESTIVANA S.r.l. — Complaints Department
5 Via Ala Ponzone, 26100 Cremona
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Appeal to the Banking and Financial Arbitrator (ABF)
PRESTIVANA S.r.l. will process the complaint within 60 days upon receipt. If the customer is not satisfied with the outcome of the complaint, or if no response is received within the specified time frame, before taking the matter to the ordinary courts, the customer may contact the'Financial Banking Arbitrator (ABF).
• Online appeal with a fixed fee set by the Bank of Italy
05
Industrial Property Code
Intellectual Property, Trademarks, and Terms of Use
All content on the website www.prestivana.com and its subdomains—including, but not limited to, text, logos, word and figurative trademarks, icons, calculation algorithms, graphic layouts, source code, and style sheets—is the exclusive property of PRESTIVANA, LLC. or their respective financial partners who grant the licenses, and are protected by the Copyright Law (Law No. 633/1941) and the Industrial Property Code (Legislative Decree No. 30/2005).
The reproduction, distribution, copying, automated scraping, reverse engineering, or reuse—even in part—of any graphic elements or software is strictly prohibited without the express written authorization of the General and Legal Affairs Department of PRESTIVANA S.r.l.
06
EU Regulation 2016/679 (GDPR)
Privacy Protection, GDPR, and Cryptographic Security
The personal and income data provided by users during the simulation phase or when submitting an application are processed in strict compliance with the General Data Protection Regulation (GDPR—EU Regulation No. 2016/679) and the amended Italian Privacy Code (Legislative Decree 196/2003 and Legislative Decree 101/2018).
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TLS 1.3 Encryption
All data transmission channels are protected by a 256-bit SSL/TLS certificate with a PFS cipher suite.
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EU Data Center
Cloud infrastructure located within the European Union and certified to ISO/IEC 27001.
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Contact the DPO
The Data Protection Officer can be reached by email at dpo@prestivana.com.
Data Controller:
PRESTIVANA S.r.l. — Registered Office: Via Ala Ponzone 5, 26100 Cremona. To exercise the rights set forth in Articles 15–22 of the GDPR (access, rectification, erasure, data portability, and objection), the requester may write to
contact@prestivana.com
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07
Anti-Money Laundering Regulations
Payment Traceability & Anti-Money Laundering (Legislative Decree No. 231/07)
In compliance with the customer due diligence and financial traceability requirements set forth in Legislative Decree No. 231 of November 21, 2007 (and subsequent amendments implementing the European Union’s AML Directives IV and V), PRESTIVANA S.r.l. implements strict remote electronic identification protocols prior to forwarding applications to affiliated lending institutions.
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All cash flows related to the disbursement and repayment of loans are processed exclusively through official, traceable banking channels (SEPA credit transfer / SDD direct debit).
