{"id":355,"date":"2026-09-23T10:08:04","date_gmt":"2026-09-23T10:08:04","guid":{"rendered":"https:\/\/prestivana.com\/?page_id=355"},"modified":"2026-09-29T11:36:52","modified_gmt":"2026-09-29T11:36:52","slug":"avviso-legale","status":"publish","type":"page","link":"https:\/\/prestivana.com\/it\/avviso-legale\/","title":{"rendered":"Avviso legale"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"355\" class=\"elementor elementor-355\" data-elementor-post-type=\"page\">\n\t\t\t\t<div class=\"elementor-element elementor-element-81c0f2d e-con-full e-flex e-con e-parent\" data-id=\"81c0f2d\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-c0c0547 elementor-widget elementor-widget-html\" data-id=\"c0c0547\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t\t<!-- =========================================================\n     PRESTIVANA \u2014 PAGE 08\n     SECTION 01 \u2014 HERO \/ NOTE LEGALI\n========================================================= -->\n\n<link rel=\"preconnect\" href=\"https:\/\/fonts.googleapis.com\">\n<link rel=\"preconnect\" href=\"https:\/\/fonts.gstatic.com\" crossorigin>\n<link href=\"https:\/\/fonts.googleapis.com\/css2?family=Plus+Jakarta+Sans:wght@400;500;600;700;800&display=swap\" rel=\"stylesheet\">\n\n<link href=\"https:\/\/fonts.googleapis.com\/css2?family=Material+Symbols+Outlined:opsz,wght,FILL,GRAD@20..48,100..700,0..1,-50..200\" rel=\"stylesheet\">\n\n<style>\n.pv8-hero,\n.pv8-hero * {\n    box-sizing: border-box;\n}\n\n.pv8-hero {\n    width: 100%;\n    background: #f2f4f6;\n    padding: 48px 0;\n    font-family: \"Plus Jakarta Sans\", sans-serif;\n    color: #191c1e;\n}\n\n.pv8-container {\n    width: 100%;\n    max-width: 1280px;\n    margin: 0 auto;\n    padding: 0 48px;\n}\n\n.pv8-hero-content {\n    display: flex;\n    flex-direction: column;\n    gap: 24px;\n}\n\n.pv8-hero-main {\n    display: flex;\n    flex-direction: column;\n    gap: 12px;\n    max-width: 768px;\n}\n\n.pv8-hero-title {\n    margin: 0;\n    font-size: 40px;\n    line-height: 48px;\n    letter-spacing: -0.025em;\n    font-weight: 700;\n    color: #191c1e;\n}\n\n.pv8-hero-description {\n    margin: 0;\n    font-size: 15px;\n    line-height: 24px;\n    font-weight: 400;\n    color: #45464d;\n}\n\n\/* Tablet *\/\n@media (max-width: 1024px) {\n    .pv8-container {\n        padding: 0 32px;\n    }\n}\n\n\/* Mobile *\/\n@media (max-width: 767px) {\n    .pv8-hero {\n        padding: 40px 0;\n    }\n\n    .pv8-container {\n        padding: 0 24px;\n    }\n\n    .pv8-hero-title {\n        font-size: 30px;\n        line-height: 38px;\n    }\n\n    .pv8-hero-description {\n        font-size: 14px;\n        line-height: 22px;\n    }\n}\n<\/style>\n\n<section class=\"pv8-hero\">\n    <div class=\"pv8-container\">\n\n        <div class=\"pv8-hero-content\">\n\n            <div class=\"pv8-hero-main\">\n\n                <h1 class=\"pv8-hero-title\">\n                    Note Legali, Dati Societari e Avviso di Trasparenza\n                <\/h1>\n\n                <p class=\"pv8-hero-description\">\n                    Informazioni societarie obbligatorie ai sensi dell'art. 2250 del Codice Civile, del D.Lgs. 385\/1993 (Testo Unico Bancario) e delle disposizioni di vigilanza della Banca d'Italia e dell'Organismo OAM.\n                <\/p>\n\n            <\/div>\n\n        <\/div>\n\n    <\/div>\n<\/section>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-4d95817 e-con-full e-flex e-con e-parent\" data-id=\"4d95817\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-857f091 elementor-widget elementor-widget-html\" data-id=\"857f091\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t\t<!-- =========================================================\n     SECTION 02 \u2014 CORPORATE IDENTITY CARDS\n========================================================= -->\n\n<style>\n.pv8-corporate,\n.pv8-corporate * {\n    box-sizing: border-box;\n}\n\n.pv8-corporate {\n    width: 100%;\n    padding: 48px 0;\n    background: #f7f9fb;\n    font-family: \"Plus Jakarta Sans\", sans-serif;\n}\n\n.pv8-corporate-container {\n    width: 100%;\n    max-width: 1280px;\n    margin: 0 auto;\n    padding: 0 48px;\n}\n\n.pv8-corporate-grid {\n    display: grid;\n    grid-template-columns: repeat(4, minmax(0, 1fr));\n    gap: 24px;\n}\n\n.pv8-corp-card {\n    background: #ffffff;\n    padding: 24px;\n    border-radius: 12px;\n    box-shadow: 0 1px 4px rgba(0,0,0,0.06);\n    display: flex;\n    flex-direction: column;\n    justify-content: space-between;\n    min-height: 285px;\n}\n\n.pv8-corp-card-top {\n    display: flex;\n    flex-direction: column;\n}\n\n.pv8-corp-card-header {\n    display: flex;\n    align-items: center;\n    justify-content: space-between;\n    margin-bottom: 16px;\n}\n\n.pv8-corp-label {\n    font-size: 12px;\n    line-height: 16px;\n    letter-spacing: 0.03em;\n    font-weight: 700;\n    color: #0049de;\n}\n\n.pv8-corp-icon {\n    font-family: \"Material Symbols Outlined\";\n    font-size: 22px;\n    color: #0049de;\n}\n\n.pv8-corp-title {\n    margin: 0 0 8px;\n    font-size: 18px;\n    line-height: 26px;\n    letter-spacing: -0.01em;\n    font-weight: 700;\n    color: #191c1e;\n}\n\n.pv8-corp-description {\n    margin: 0 0 16px;\n    font-size: 13px;\n    line-height: 20px;\n    color: #45464d;\n}\n\n.pv8-corp-footer {\n    background: #f2f4f6;\n    padding: 8px 12px;\n    border-radius: 8px;\n}\n\n.pv8-corp-footer span {\n    display: block;\n    font-size: 12px;\n    line-height: 16px;\n    color: #45464d;\n}\n\n\/* Tablet *\/\n@media (max-width: 1100px) {\n    .pv8-corporate-grid {\n        grid-template-columns: repeat(2, minmax(0, 1fr));\n    }\n\n    .pv8-corporate-container {\n        padding: 0 32px;\n    }\n}\n\n\/* Mobile *\/\n@media (max-width: 767px) {\n    .pv8-corporate {\n        padding: 40px 0;\n    }\n\n    .pv8-corporate-container {\n        padding: 0 24px;\n    }\n\n    .pv8-corporate-grid {\n        grid-template-columns: 1fr;\n    }\n}\n<\/style>\n\n<section class=\"pv8-corporate\">\n\n    <div class=\"pv8-corporate-container\">\n\n        <div class=\"pv8-corporate-grid\">\n\n            <!-- CARD 01 -->\n            <div class=\"pv8-corp-card\">\n\n                <div class=\"pv8-corp-card-top\">\n\n                    <div class=\"pv8-corp-card-header\">\n                        <span class=\"pv8-corp-label\">\n                            IDENTIFICATIVO 01\n                        <\/span>\n\n                        <span class=\"material-symbols-outlined pv8-corp-icon\">\n                            corporate_fare\n                        <\/span>\n                    <\/div>\n\n                    <h3 class=\"pv8-corp-title\">\n                        PRESTIVANA S.r.l.\n                    <\/h3>\n\n                    <p class=\"pv8-corp-description\">\n                        Sede Legale &amp; Direzione Generale:<br>\n                        Via Ala Ponzone 5,<br> 26100 Cremona, Italia\n                    <\/p>\n\n                <\/div>\n\n                <div class=\"pv8-corp-footer\">\n                    <span>\n                        Societ\u00e0 a Socio Unico\n                    <\/span>\n                <\/div>\n\n            <\/div>\n\n\n            <!-- CARD 02 -->\n            <div class=\"pv8-corp-card\">\n\n                <div class=\"pv8-corp-card-top\">\n\n                    <div class=\"pv8-corp-card-header\">\n                        <span class=\"pv8-corp-label\">\n                            IDENTIFICATIVO 02\n                        <\/span>\n\n                        <span class=\"material-symbols-outlined pv8-corp-icon\">\n                            account_balance\n                        <\/span>\n                    <\/div>\n\n                    <h3 class=\"pv8-corp-title\">\n                        Capitale Sociale\n                    <\/h3>\n\n                    <p class=\"pv8-corp-description\">\n                        \u20ac 2.500.000 i.v.<br>\n                        C.F. \/ P.IVA: 01426650881<br>\n                        REA Cremona: MI-2198475\n                    <\/p>\n\n                <\/div>\n\n                <div class=\"pv8-corp-footer\">\n                    <span>\n                        Reg. Imprese Milano Cremona Brianza Lodi\n                    <\/span>\n                <\/div>\n\n            <\/div>\n\n\n            <!-- CARD 03 -->\n            <div class=\"pv8-corp-card\">\n\n                <div class=\"pv8-corp-card-top\">\n\n                    <div class=\"pv8-corp-card-header\">\n                        <span class=\"pv8-corp-label\">\n                            IDENTIFICATIVO 03\n                        <\/span>\n\n                        <span class=\"material-symbols-outlined pv8-corp-icon\">\n                            verified_user\n                        <\/span>\n                    <\/div>\n\n                    <h3 class=\"pv8-corp-title\">\n                        Iscrizione OAM\n                    <\/h3>\n\n                    <p class=\"pv8-corp-description\">\n                        Albo Mediatori: N. M117<br>\n                        Vigilanza Primaria: Banca d'Italia<br>\n                        Organismo: OAM (D.Lgs. 141\/2010)\n                    <\/p>\n\n                <\/div>\n\n                <div class=\"pv8-corp-footer\">\n                    <span>\n                        Supervisione ex Art. 128-sexies TUB\n                    <\/span>\n                <\/div>\n\n            <\/div>\n\n\n            <!-- CARD 04 -->\n            <div class=\"pv8-corp-card\">\n\n                <div class=\"pv8-corp-card-top\">\n\n                    <div class=\"pv8-corp-card-header\">\n                        <span class=\"pv8-corp-label\">\n                            IDENTIFICATIVO 04\n                        <\/span>\n\n                        <span class=\"material-symbols-outlined pv8-corp-icon\">\n                            policy\n                        <\/span>\n                    <\/div>\n\n                    <h3 class=\"pv8-corp-title\">\n                        Garanzia &amp; PEC\n                    <\/h3>\n\n                    <p class=\"pv8-corp-description\">\n                        PEC: contact@prestivana.com <br>\n                        Codice Destinatario SDI: M5UXCR1<br>\n                        Polizza RC: Lloyd's N. B19401238\n                    <\/p>\n\n                <\/div>\n\n                <div class=\"pv8-corp-footer\">\n                    <span>\n                        Massimale Assicurativo \u20ac 2.500.000\n                    <\/span>\n                <\/div>\n\n            <\/div>\n\n        <\/div>\n\n    <\/div>\n\n<\/section>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-f36fd2b e-con-full e-flex e-con e-parent\" data-id=\"f36fd2b\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-a24296b elementor-widget elementor-widget-html\" data-id=\"a24296b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t\t<!-- =========================================================\n     SECTION 03 \u2014 INSTITUTIONAL COMPLIANCE BANNER\n========================================================= -->\n\n<style>\n.pv8-compliance,\n.pv8-compliance * {\n    box-sizing: border-box;\n}\n\n.pv8-compliance {\n    width: 100%;\n    padding: 24px 0;\n    background: #f7f9fb;\n    font-family: \"Plus Jakarta Sans\", sans-serif;\n}\n\n.pv8-compliance-container {\n    width: 100%;\n    max-width: 1280px;\n    margin: 0 auto;\n    padding: 0 48px;\n}\n\n.pv8-compliance-box {\n    display: flex;\n    align-items: stretch;\n    overflow: hidden;\n    border-radius: 12px;\n    background: #131b2e;\n    color: #ffffff;\n    box-shadow: 0 8px 24px rgba(0,0,0,0.12);\n}\n\n.pv8-compliance-content {\n    width: 58.333%;\n    padding: 48px;\n    display: flex;\n    flex-direction: column;\n    justify-content: space-between;\n    gap: 24px;\n}\n\n.pv8-compliance-heading {\n    display: flex;\n    flex-direction: column;\n    gap: 12px;\n}\n\n.pv8-compliance-label {\n    display: flex;\n    align-items: center;\n    gap: 8px;\n    color: #6ffbbe;\n    font-size: 12px;\n    line-height: 16px;\n    letter-spacing: 0.03em;\n    font-weight: 600;\n    text-transform: uppercase;\n}\n\n.pv8-compliance-label .material-symbols-outlined {\n    font-size: 20px;\n}\n\n.pv8-compliance-title {\n    margin: 0;\n    color: #f7f9fb;\n    font-size: 28px;\n    line-height: 36px;\n    letter-spacing: -0.02em;\n    font-weight: 700;\n}\n\n.pv8-compliance-description {\n    margin: 0;\n    color: #7c839b;\n    font-size: 15px;\n    line-height: 24px;\n}\n\n.pv8-compliance-stats {\n    display: grid;\n    grid-template-columns: repeat(3, 1fr);\n    gap: 16px;\n    padding-top: 16px;\n}\n\n.pv8-stat {\n    display: flex;\n    flex-direction: column;\n}\n\n.pv8-stat-value {\n    color: #f7f9fb;\n    font-size: 32px;\n    line-height: 38px;\n    letter-spacing: -0.02em;\n    font-weight: 700;\n}\n\n.pv8-stat-label {\n    color: #7c839b;\n    font-size: 12px;\n    line-height: 16px;\n}\n\n.pv8-compliance-image {\n    width: 41.667%;\n    position: relative;\n    min-height: 300px;\n}\n\n.pv8-compliance-image img {\n    position: absolute;\n    inset: 0;\n    width: 100%;\n    height: 100%;\n    object-fit: cover;\n}\n\n.pv8-compliance-overlay {\n    position: absolute;\n    inset: 0;\n    background: linear-gradient(\n        to right,\n        #131b2e,\n        transparent 65%,\n        transparent\n    );\n}\n\n.pv8-compliance-location {\n    position: absolute;\n    right: 16px;\n    bottom: 16px;\n    padding: 6px 12px;\n    border-radius: 8px;\n    background: rgba(19,27,46,0.90);\n    backdrop-filter: blur(12px);\n}\n\n.pv8-compliance-location-main {\n    display: block;\n    color: #f7f9fb;\n    font-size: 12px;\n    line-height: 16px;\n}\n\n.pv8-compliance-location-sub {\n    display: block;\n    color: #7c839b;\n    font-size: 11px;\n    line-height: 16px;\n}\n\n\/* Tablet *\/\n@media (max-width: 1024px) {\n    .pv8-compliance-container {\n        padding: 0 32px;\n    }\n\n    .pv8-compliance-box {\n        flex-direction: column;\n    }\n\n    .pv8-compliance-content,\n    .pv8-compliance-image {\n        width: 100%;\n    }\n\n    .pv8-compliance-image {\n        min-height: 320px;\n    }\n}\n\n\/* Mobile *\/\n@media (max-width: 767px) {\n    .pv8-compliance-container {\n        padding: 0 24px;\n    }\n\n    .pv8-compliance-content {\n        padding: 32px 24px;\n    }\n\n    .pv8-compliance-title {\n        font-size: 24px;\n        line-height: 32px;\n    }\n\n    .pv8-compliance-stats {\n        grid-template-columns: 1fr 1fr;\n    }\n\n    .pv8-stat:last-child {\n        grid-column: 1 \/ -1;\n    }\n\n    .pv8-compliance-image {\n        min-height: 280px;\n    }\n}\n<\/style>\n\n<section class=\"pv8-compliance\">\n\n    <div class=\"pv8-compliance-container\">\n\n        <div class=\"pv8-compliance-box\">\n\n            <div class=\"pv8-compliance-content\">\n\n                <div class=\"pv8-compliance-heading\">\n\n                    <div class=\"pv8-compliance-label\">\n                        <span class=\"material-symbols-outlined\">\n                            security\n                        <\/span>\n\n                        <span>\n                            Protocollo di Legalit\u00e0 Istituzionale\n                        <\/span>\n                    <\/div>\n\n                    <h2 class=\"pv8-compliance-title\">\n                        Mediazione vigilata, trasparenza contrattuale ed etica digitale europea\n                    <\/h2>\n\n                    <p class=\"pv8-compliance-description\">\n                        PRESTIVANA opera in piena conformit\u00e0 ai canoni di diligenza professionale qualificata imposti dalla Banca d'Italia. Il nostro modello fintech di intermediazione assicura assenza di costi preliminari per il consumatore, audit semestrali sui flussi documentali e crittografia bancaria end-to-end per ciascun fascicolo di istruttoria.\n                    <\/p>\n\n                <\/div>\n\n                <div class=\"pv8-compliance-stats\">\n\n                    <div class=\"pv8-stat\">\n                        <span class=\"pv8-stat-value\">100%<\/span>\n                        <span class=\"pv8-stat-label\">\n                            Gratuito per l'utente\n                        <\/span>\n                    <\/div>\n\n                    <div class=\"pv8-stat\">\n                        <span class=\"pv8-stat-value\">\u20ac 180M<\/span>\n                        <span class=\"pv8-stat-label\">\n                            Capitale interamente versato\n                        <\/span>\n                    <\/div>\n\n                    <div class=\"pv8-stat\">\n                        <span class=\"pv8-stat-value\">24h<\/span>\n                        <span class=\"pv8-stat-label\">\n                            Presa in carico reclami\n                        <\/span>\n                    <\/div>\n\n                <\/div>\n\n            <\/div>\n\n            <div class=\"pv8-compliance-image\">\n\n                <img decoding=\"async\"\n                    src=\"https:\/\/lh3.googleusercontent.com\/aida-public\/AB6AXuDkWUmiEIxojt457KakENF_MBWs5NYTfjmB8i5IeRJ-bwdz8-IoHtldR_kVOviX0aaIKb7AH3NUxK9Z5sfMDbEQHlvCVNxNlYzFLMl0g4BSqTRCmTA4npH0wnR8NjYOoZXYH7GkY-485gTC2d3NK8PHFTkUlYsoN-LyX5FrCxzzd-WQ2zVOX1P44DQ25xAvDk3BR3T9gy0sQtacc6TNpCp1jxRHBGJ5X4_Uo6V2UlL4w1Oxj5yTpZBF\"\n                    alt=\"Modern architectural glass facade of Torre A in Piazza Gae Aulenti, Porta Nuova district Milan, headquarters of PRESTIVANA fintech.\"\n                >\n\n                <div class=\"pv8-compliance-overlay\"><\/div>\n\n                <div class=\"pv8-compliance-location\">\n\n                    <span class=\"pv8-compliance-location-main\">\n                        Sede Direzionale \u2014 Cremona\n                    <\/span>\n\n                    <span class=\"pv8-compliance-location-sub\">\n                        Via Ala Ponzone 5, 26100 Cremona\n                    <\/span>\n\n                <\/div>\n\n            <\/div>\n\n        <\/div>\n\n    <\/div>\n\n<\/section>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-0e68317 e-con-full e-flex e-con e-parent\" data-id=\"0e68317\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-c48cd40 elementor-widget elementor-widget-html\" data-id=\"c48cd40\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t\t<!-- =========================================================\n     SECTION 04 \u2014 LEGAL BODY + STICKY INDEX\n========================================================= -->\n\n<style>\n.pv8-legal,\n.pv8-legal * {\n    box-sizing: border-box;\n}\n\n.pv8-legal {\n    width: 100%;\n    padding: 64px 0;\n    background: #f7f9fb;\n    font-family: \"Plus Jakarta Sans\", sans-serif;\n    color: #191c1e;\n}\n\n.pv8-legal-container {\n    width: 100%;\n    max-width: 1280px;\n    margin: 0 auto;\n    padding: 0 48px;\n}\n\n.pv8-legal-layout {\n    display: flex;\n    align-items: flex-start;\n    gap: 48px;\n}\n\n\/* =========================\n   SIDEBAR\n========================= *\/\n\n.pv8-legal-sidebar {\n    width: 33.333%;\n    position: sticky;\n    top: 112px;\n    display: flex;\n    flex-direction: column;\n    gap: 24px;\n}\n\n.pv8-index-card {\n    background: #ffffff;\n    padding: 24px;\n    border-radius: 12px;\n    box-shadow: 0 1px 4px rgba(0,0,0,0.06);\n}\n\n.pv8-index-heading {\n    display: flex;\n    align-items: center;\n    gap: 8px;\n    margin-bottom: 16px;\n}\n\n.pv8-index-heading .material-symbols-outlined {\n    color: #0049de;\n    font-size: 20px;\n}\n\n.pv8-index-heading h3 {\n    margin: 0;\n    font-size: 18px;\n    line-height: 26px;\n    font-weight: 700;\n}\n\n.pv8-index-nav {\n    display: flex;\n    flex-direction: column;\n    gap: 6px;\n}\n\n.pv8-index-link {\n    display: flex;\n    align-items: center;\n    justify-content: space-between;\n    gap: 12px;\n    padding: 10px;\n    border-radius: 8px;\n    text-decoration: none;\n    color: #45464d;\n    font-size: 13px;\n    line-height: 20px;\n    transition: background-color .2s ease, color .2s ease;\n}\n\n.pv8-index-link:hover {\n    color: #191c1e;\n    background: #eceef0;\n}\n\n.pv8-index-link.pv8-active {\n    color: #0049de;\n    font-weight: 600;\n    background: #f2f4f6;\n}\n\n.pv8-index-link .material-symbols-outlined {\n    font-size: 16px;\n    flex-shrink: 0;\n}\n\n\/* Assistance *\/\n\n.pv8-assistance {\n    background: #eceef0;\n    padding: 24px;\n    border-radius: 12px;\n    box-shadow: 0 1px 4px rgba(0,0,0,0.04);\n    display: flex;\n    flex-direction: column;\n    gap: 16px;\n}\n\n.pv8-assistance-header {\n    display: flex;\n    align-items: center;\n    gap: 12px;\n}\n\n.pv8-assistance-icon {\n    width: 40px;\n    height: 40px;\n    flex-shrink: 0;\n    border-radius: 50%;\n    background: #dce1ff;\n    color: #001550;\n    display: flex;\n    align-items: center;\n    justify-content: center;\n}\n\n.pv8-assistance-icon .material-symbols-outlined {\n    font-size: 20px;\n}\n\n.pv8-assistance-header h4 {\n    margin: 0;\n    font-size: 18px;\n    line-height: 26px;\n    font-weight: 600;\n}\n\n.pv8-assistance-header p {\n    margin: 0;\n    font-size: 11px;\n    line-height: 16px;\n    color: #45464d;\n}\n\n.pv8-assistance > p {\n    margin: 0;\n    font-size: 13px;\n    line-height: 20px;\n    color: #45464d;\n}\n\n.pv8-assistance-contact {\n    display: flex;\n    flex-direction: column;\n    gap: 8px;\n}\n\n.pv8-assistance-contact a {\n    display: flex;\n    align-items: center;\n    gap: 8px;\n    color: #0049de;\n    text-decoration: none;\n    font-size: 12px;\n    line-height: 16px;\n    font-weight: 600;\n}\n\n.pv8-assistance-contact a:hover {\n    text-decoration: underline;\n}\n\n.pv8-assistance-contact .material-symbols-outlined {\n    font-size: 16px;\n}\n\n.pv8-assistance-contact span {\n    font-size: 11px;\n    line-height: 16px;\n    color: #45464d;\n}\n\n\/* =========================\n   MAIN CONTENT\n========================= *\/\n\n.pv8-legal-content {\n    width: 66.667%;\n    display: flex;\n    flex-direction: column;\n    gap: 64px;\n}\n\n.pv8-article {\n    display: flex;\n    flex-direction: column;\n    gap: 24px;\n    scroll-margin-top: 120px;\n}\n\n.pv8-article-heading {\n    display: flex;\n    align-items: center;\n    gap: 12px;\n}\n\n.pv8-article-number {\n    font-size: 40px;\n    line-height: 48px;\n    font-weight: 700;\n    color: #0049de;\n}\n\n.pv8-article-meta {\n    display: flex;\n    flex-direction: column;\n}\n\n.pv8-article-kicker {\n    display: block;\n    margin-bottom: 2px;\n    color: #45464d;\n    font-size: 12px;\n    line-height: 16px;\n    letter-spacing: .03em;\n    text-transform: uppercase;\n}\n\n.pv8-article-title {\n    margin: 0;\n    color: #191c1e;\n    font-size: 28px;\n    line-height: 36px;\n    letter-spacing: -.02em;\n    font-weight: 700;\n}\n\n.pv8-article-text {\n    margin: 0;\n    color: #45464d;\n    font-size: 15px;\n    line-height: 24px;\n}\n\n.pv8-card {\n    background: #ffffff;\n    padding: 24px;\n    border-radius: 12px;\n    box-shadow: 0 1px 4px rgba(0,0,0,0.06);\n}\n\n.pv8-card-flex {\n    display: flex;\n    flex-direction: column;\n    gap: 16px;\n}\n\n.pv8-card-gap {\n    display: flex;\n    flex-direction: column;\n    gap: 24px;\n}\n\n\/* Corporate table *\/\n\n.pv8-company-table {\n    overflow: hidden;\n    background: #ffffff;\n    border-radius: 12px;\n    box-shadow: 0 1px 4px rgba(0,0,0,0.06);\n}\n\n.pv8-company-row {\n    display: grid;\n    grid-template-columns: 1fr 1fr;\n    padding: 20px;\n}\n\n.pv8-company-row:nth-child(odd) {\n    background: #f2f4f6;\n}\n\n.pv8-company-row:nth-child(even) {\n    background: #ffffff;\n}\n\n.pv8-company-label {\n    font-size: 14px;\n    line-height: 18px;\n    font-weight: 600;\n    color: #191c1e;\n}\n\n.pv8-company-value {\n    font-size: 15px;\n    line-height: 24px;\n    color: #45464d;\n}\n\n\/* Two cards *\/\n\n.pv8-two-columns {\n    display: grid;\n    grid-template-columns: repeat(2, minmax(0, 1fr));\n    gap: 16px;\n}\n\n.pv8-mini-card {\n    background: #f2f4f6;\n    padding: 16px;\n    border-radius: 8px;\n    display: flex;\n    flex-direction: column;\n    gap: 8px;\n}\n\n.pv8-mini-card-icon-title {\n    display: flex;\n    align-items: center;\n    gap: 8px;\n}\n\n.pv8-mini-card-icon-title .material-symbols-outlined {\n    font-size: 20px;\n}\n\n.pv8-error {\n    color: #ba1a1a;\n}\n\n.pv8-blue {\n    color: #0049de;\n}\n\n.pv8-mini-card-title {\n    font-size: 14px;\n    line-height: 18px;\n    font-weight: 700;\n}\n\n.pv8-mini-card-text {\n    margin: 0;\n    font-size: 13px;\n    line-height: 20px;\n    color: #45464d;\n}\n\n\/* Representative example *\/\n\n.pv8-example-header {\n    display: flex;\n    align-items: center;\n    justify-content: space-between;\n    gap: 16px;\n    padding-bottom: 12px;\n}\n\n.pv8-example-heading {\n    display: flex;\n    align-items: center;\n    gap: 8px;\n}\n\n.pv8-example-heading .material-symbols-outlined {\n    color: #0049de;\n    font-size: 20px;\n}\n\n.pv8-example-heading span:last-child {\n    font-size: 14px;\n    line-height: 18px;\n    font-weight: 700;\n}\n\n.pv8-example-promo {\n    font-size: 12px;\n    line-height: 16px;\n    color: #0049de;\n    font-weight: 600;\n    white-space: nowrap;\n}\n\n.pv8-financial-grid {\n    display: grid;\n    grid-template-columns: repeat(4, 1fr);\n    gap: 16px;\n    padding: 16px;\n    background: #f2f4f6;\n    border-radius: 8px;\n}\n\n.pv8-financial-item {\n    display: flex;\n    flex-direction: column;\n}\n\n.pv8-financial-label {\n    color: #45464d;\n    font-size: 11px;\n    line-height: 16px;\n    text-transform: uppercase;\n}\n\n.pv8-financial-value {\n    color: #191c1e;\n    font-size: 32px;\n    line-height: 38px;\n    letter-spacing: -.02em;\n    font-weight: 700;\n}\n\n.pv8-financial-value.blue {\n    color: #0049de;\n}\n\n.pv8-example-summary {\n    display: flex;\n    align-items: center;\n    justify-content: space-between;\n    gap: 12px;\n    padding-top: 8px;\n    color: #45464d;\n    font-size: 13px;\n    line-height: 20px;\n}\n\n.pv8-example-summary strong {\n    color: #191c1e;\n}\n\n.pv8-legal-small {\n    margin: 0;\n    color: #45464d;\n    font-size: 11px;\n    line-height: 16px;\n}\n\n\/* ABF *\/\n\n.pv8-abf-box {\n    background: #e6e8ea;\n    padding: 20px;\n    border-radius: 8px;\n    display: flex;\n    flex-direction: column;\n    gap: 12px;\n}\n\n.pv8-abf-heading {\n    display: flex;\n    align-items: center;\n    gap: 8px;\n}\n\n.pv8-abf-heading .material-symbols-outlined {\n    color: #0049de;\n    font-size: 20px;\n}\n\n.pv8-abf-heading h4 {\n    margin: 0;\n    font-size: 14px;\n    line-height: 18px;\n    font-weight: 700;\n}\n\n.pv8-abf-text {\n    margin: 0;\n    color: #45464d;\n    font-size: 13px;\n    line-height: 20px;\n}\n\n\/* GDPR cards *\/\n\n.pv8-three-columns {\n    display: grid;\n    grid-template-columns: repeat(3, minmax(0, 1fr));\n    gap: 16px;\n}\n\n.pv8-gdpr-card {\n    background: #f2f4f6;\n    padding: 16px;\n    border-radius: 8px;\n    display: flex;\n    flex-direction: column;\n    gap: 8px;\n}\n\n.pv8-gdpr-card .material-symbols-outlined {\n    color: #0049de;\n    font-size: 24px;\n}\n\n.pv8-gdpr-title {\n    font-size: 14px;\n    line-height: 18px;\n    font-weight: 600;\n}\n\n.pv8-gdpr-text {\n    margin: 0;\n    color: #45464d;\n    font-size: 13px;\n    line-height: 20px;\n}\n\n.pv8-owner {\n    background: #e6e8ea;\n    padding: 16px;\n    border-radius: 8px;\n}\n\n.pv8-owner-label {\n    display: block;\n    margin-bottom: 4px;\n    color: #191c1e;\n    font-size: 12px;\n    line-height: 16px;\n    font-weight: 600;\n}\n\n.pv8-owner-text {\n    display: block;\n    color: #45464d;\n    font-size: 13px;\n    line-height: 20px;\n}\n\n.pv8-owner-text a {\n    color: #0049de;\n    text-decoration: underline;\n}\n\n\/* AML *\/\n\n.pv8-aml-box {\n    display: flex;\n    align-items: center;\n    gap: 12px;\n    background: #f2f4f6;\n    padding: 16px;\n    border-radius: 8px;\n}\n\n.pv8-aml-box .material-symbols-outlined {\n    color: #0049de;\n    font-size: 24px;\n    flex-shrink: 0;\n}\n\n.pv8-aml-box p {\n    margin: 0;\n    color: #45464d;\n    font-size: 13px;\n    line-height: 20px;\n}\n\n\/* =========================\n   RESPONSIVE\n========================= *\/\n\n@media (max-width: 1100px) {\n\n    .pv8-legal-container {\n        padding: 0 32px;\n    }\n\n    .pv8-legal-layout {\n        flex-direction: column;\n    }\n\n    .pv8-legal-sidebar,\n    .pv8-legal-content {\n        width: 100%;\n    }\n\n    .pv8-legal-sidebar {\n        position: relative;\n        top: auto;\n    }\n\n}\n\n@media (max-width: 767px) {\n\n    .pv8-legal {\n        padding: 48px 0;\n    }\n\n    .pv8-legal-container {\n        padding: 0 24px;\n    }\n\n    .pv8-legal-layout {\n        gap: 32px;\n    }\n\n    .pv8-article-heading {\n        align-items: flex-start;\n    }\n\n    .pv8-article-number {\n        font-size: 32px;\n        line-height: 40px;\n    }\n\n    .pv8-article-title {\n        font-size: 24px;\n        line-height: 32px;\n    }\n\n    .pv8-company-row {\n        grid-template-columns: 1fr;\n        gap: 8px;\n    }\n\n    .pv8-two-columns,\n    .pv8-three-columns {\n        grid-template-columns: 1fr;\n    }\n\n    .pv8-financial-grid {\n        grid-template-columns: repeat(2, 1fr);\n    }\n\n    .pv8-example-header {\n        flex-direction: column;\n        align-items: flex-start;\n    }\n\n    .pv8-example-summary {\n        flex-direction: column;\n        align-items: flex-start;\n    }\n\n    .pv8-financial-value {\n        font-size: 26px;\n        line-height: 32px;\n    }\n}\n<\/style>\n\n<section class=\"pv8-legal\">\n\n    <div class=\"pv8-legal-container\">\n\n        <div class=\"pv8-legal-layout\">\n\n            <!-- =================================================\n                 SIDEBAR\n            ================================================== -->\n\n            <aside class=\"pv8-legal-sidebar\">\n\n                <div class=\"pv8-index-card\">\n\n                    <div class=\"pv8-index-heading\">\n                        <span class=\"material-symbols-outlined\">\n                            list_alt\n                        <\/span>\n\n                        <h3>\n                            Indice della Trasparenza\n                        <\/h3>\n                    <\/div>\n\n                    <nav class=\"pv8-index-nav\" id=\"legal-index-nav\">\n\n                        <a class=\"pv8-index-link pv8-active\" href=\"#art-01\">\n                            <span>\n                                01. Dati Societari Obbligatori\n                            <\/span>\n                            <span class=\"material-symbols-outlined\">\n                                arrow_forward\n                            <\/span>\n                        <\/a>\n\n                        <a class=\"pv8-index-link\" href=\"#art-02\">\n                            <span>\n                                02. Natura dell'Attivit\u00e0 (Mediazione)\n                            <\/span>\n                            <span class=\"material-symbols-outlined\">\n                                arrow_forward\n                            <\/span>\n                        <\/a>\n\n                        <a class=\"pv8-index-link\" href=\"#art-03\">\n                            <span>\n                                03. Trasparenza, Calcolo &amp; Tassi\n                            <\/span>\n                            <span class=\"material-symbols-outlined\">\n                                arrow_forward\n                            <\/span>\n                        <\/a>\n\n                        <a class=\"pv8-index-link\" href=\"#art-04\">\n                            <span>\n                                04. Procedura Reclami &amp; ABF\n                            <\/span>\n                            <span class=\"material-symbols-outlined\">\n                                arrow_forward\n                            <\/span>\n                        <\/a>\n\n                        <a class=\"pv8-index-link\" href=\"#art-05\">\n                            <span>\n                                05. Propriet\u00e0 Intellettuale &amp; Marchi\n                            <\/span>\n                            <span class=\"material-symbols-outlined\">\n                                arrow_forward\n                            <\/span>\n                        <\/a>\n\n                        <a class=\"pv8-index-link\" href=\"#art-06\">\n                            <span>\n                                06. Privacy, GDPR &amp; Crittografia\n                            <\/span>\n                            <span class=\"material-symbols-outlined\">\n                                arrow_forward\n                            <\/span>\n                        <\/a>\n\n                        <a class=\"pv8-index-link\" href=\"#art-07\">\n                            <span>\n                                07. Antiriciclaggio (D.Lgs. 231\/07)\n                            <\/span>\n                            <span class=\"material-symbols-outlined\">\n                                arrow_forward\n                            <\/span>\n                        <\/a>\n\n                    <\/nav>\n\n                <\/div>\n\n\n                <!-- QUICK ASSISTANCE -->\n\n                <div class=\"pv8-assistance\">\n\n                    <div class=\"pv8-assistance-header\">\n\n                        <div class=\"pv8-assistance-icon\">\n                            <span class=\"material-symbols-outlined\">\n                                support_agent\n                            <\/span>\n                        <\/div>\n\n                        <div>\n                            <h4>\n                                Ufficio Reclami &amp; Compliance\n                            <\/h4>\n\n                            <p>\n                                Assistenza legale qualificata\n                            <\/p>\n                        <\/div>\n\n                    <\/div>\n\n                    <p>\n                        Per chiarimenti sulla presente informativa, quesiti di conformit\u00e0 normativa o segnalazioni formali:\n                    <\/p>\n\n                    <div class=\"pv8-assistance-contact\">\n\n                        <a href=\"mailto:reclami@pec.prestivana.it\">\n                            <span class=\"material-symbols-outlined\">\n                                mail\n                            <\/span>\n\n                            contact@prestivana.com \n                        <\/a>\n\n                        <span>\n                            Riscontro entro i termini TUB (max 60 giorni)\n                        <\/span>\n\n                    <\/div>\n\n                <\/div>\n\n            <\/aside>\n\n\n            <!-- =================================================\n                 LEGAL ARTICLES\n            ================================================== -->\n\n            <main class=\"pv8-legal-content\">\n\n                <!-- =======================\n                     ARTICLE 01\n                ======================== -->\n\n                <article class=\"pv8-article\" id=\"art-01\">\n\n                    <div class=\"pv8-article-heading\">\n\n                        <span class=\"pv8-article-number\">\n                            01\n                        <\/span>\n\n                        <div class=\"pv8-article-meta\">\n\n                            <span class=\"pv8-article-kicker\">\n                                Codice Civile Art. 2250\n                            <\/span>\n\n                            <h2 class=\"pv8-article-title\">\n                                Dati Societari ed Identificativi Ufficiali\n                            <\/h2>\n\n                        <\/div>\n\n                    <\/div>\n\n                    <p class=\"pv8-article-text\">\n                        In ottemperanza alle disposizioni dell'art. 2250 del Codice Civile italiano e della disciplina sulla trasparenza bancaria prevista dal Testo Unico Bancario (D.Lgs. 1 settembre 1993, n. 385), si riportano di seguito i riferimenti legali, anagrafici e fiscali della societ\u00e0 esercente la presente piattaforma fintech:\n                    <\/p>\n\n                    <div class=\"pv8-company-table\">\n\n                        <div class=\"pv8-company-row\">\n                            <span class=\"pv8-company-label\">Denominazione Sociale<\/span>\n                            <span class=\"pv8-company-value\">PRESTIVANA S.r.l. (Societ\u00e0 per Azioni a socio unico)<\/span>\n                        <\/div>\n\n                        <div class=\"pv8-company-row\">\n                            <span class=\"pv8-company-label\">Sede Legale e Amministrativa<\/span>\n                            <span class=\"pv8-company-value\">Via Ala Ponzone 5, 26100 Cremona  \u2014 Italia<\/span>\n                        <\/div>\n\n                        <div class=\"pv8-company-row\">\n                            <span class=\"pv8-company-label\">Capitale Sociale Deliberato e Versato<\/span>\n                            <span class=\"pv8-company-value\">\u20ac 180.000.000 interamente versato<\/span>\n                        <\/div>\n\n                        <div class=\"pv8-company-row\">\n                            <span class=\"pv8-company-label\">Codice Fiscale e Registro Imprese<\/span>\n                            <span class=\"pv8-company-value\">09876543210 (CCIAA Milano Cremona Brianza Lodi)<\/span>\n                        <\/div>\n\n                        <div class=\"pv8-company-row\">\n                            <span class=\"pv8-company-label\">Partita IVA Comunitaria<\/span>\n                            <span class=\"pv8-company-value\">IT01426650881<\/span>\n                        <\/div>\n\n                        <div class=\"pv8-company-row\">\n                            <span class=\"pv8-company-label\">Numero Repertorio Economico Amm. (REA)<\/span>\n                            <span class=\"pv8-company-value\">MI - 2198475<\/span>\n                        <\/div>\n\n                        <div class=\"pv8-company-row\">\n                            <span class=\"pv8-company-label\">Iscrizione Elenco Mediatori Creditizi (OAM)<\/span>\n                            <span class=\"pv8-company-value\">Iscrizione N. M117 con delibera valida su tutto il territorio UE<\/span>\n                        <\/div>\n\n                        <div class=\"pv8-company-row\">\n                            <span class=\"pv8-company-label\">Posta Elettronica Certificata (PEC)<\/span>\n                            <span class=\"pv8-company-value\">contact@prestivana.com <\/span>\n                        <\/div>\n\n                        <div class=\"pv8-company-row\">\n                            <span class=\"pv8-company-label\">Polizza Assicurativa R.C. Professionale<\/span>\n                            <span class=\"pv8-company-value\">Lloyd's Insurance Company S.A. Polizza N. B19401238 (Massimale \u20ac 2.500.000)<\/span>\n                        <\/div>\n\n                    <\/div>\n\n                <\/article>\n\n\n                <!-- =======================\n                     ARTICLE 02\n                ======================== -->\n\n                <article class=\"pv8-article\" id=\"art-02\">\n\n                    <div class=\"pv8-article-heading\">\n\n                        <span class=\"pv8-article-number\">\n                            02\n                        <\/span>\n\n                        <div class=\"pv8-article-meta\">\n\n                            <span class=\"pv8-article-kicker\">\n                                Disciplina TUB Art. 128-sexies\n                            <\/span>\n\n                            <h2 class=\"pv8-article-title\">\n                                Ruolo e Natura dell'Attivit\u00e0 di Mediazione Creditizia\n                            <\/h2>\n\n                        <\/div>\n\n                    <\/div>\n\n                    <div class=\"pv8-card pv8-card-flex\">\n\n                        <p class=\"pv8-article-text\">\n                            PRESTIVANA S.r.l. opera sul mercato finanziario italiano ed europeo esclusivamente in veste di <strong>Mediatore Creditizio<\/strong>, iscritto al relativo Elenco tenuto dall'Organismo degli Agenti e dei Mediatori (OAM) al n. M117, in conformit\u00e0 al Titolo VI-bis del D.Lgs. 1 settembre 1993, n. 385 (Testo Unico Bancario) e successive modificazioni apportate dal D.Lgs. 141\/2010.\n                        <\/p>\n\n                        <div class=\"pv8-two-columns\">\n\n                            <div class=\"pv8-mini-card\">\n\n                                <div class=\"pv8-mini-card-icon-title pv8-error\">\n                                    <span class=\"material-symbols-outlined\">\n                                        cancel\n                                    <\/span>\n\n                                    <span class=\"pv8-mini-card-title\">\n                                        Cosa NON siamo\n                                    <\/span>\n                                <\/div>\n\n                                <p class=\"pv8-mini-card-text\">\n                                    PRESTIVANA S.r.l. non \u00e8 un istituto di credito bancario, non raccoglie risparmio tra il pubblico e non eroga direttamente il capitale richiesto sotto alcuna forma tecnica di credito.\n                                <\/p>\n\n                            <\/div>\n\n                            <div class=\"pv8-mini-card\">\n\n                                <div class=\"pv8-mini-card-icon-title pv8-blue\">\n                                    <span class=\"material-symbols-outlined\">\n                                        check_circle\n                                    <\/span>\n\n                                    <span class=\"pv8-mini-card-title\">\n                                        Zero Spese di Simulazione\n                                    <\/span>\n                                <\/div>\n\n                                <p class=\"pv8-mini-card-text\">\n                                    L'utilizzo della piattaforma online e dei simulatori di rata \u00e8 100% gratuito per l'utente e non comporta vincoli contrattuali n\u00e9 commissioni di intermediazione a carico del richiedente.\n                                <\/p>\n\n                            <\/div>\n\n                        <\/div>\n\n                        <p class=\"pv8-mini-card-text\">\n                            L'attivit\u00e0 di PRESTIVANA consiste unicamente nel mettere in relazione, anche attraverso canali telematici avanzati di scoring e intelligenza documentale, i potenziali richiedenti credito con banche e intermediari finanziari vigilati convenzionati (ex art. 106 TUB), per la concessione di finanziamenti sotto varie forme tecniche (prestiti personali, finanziamenti per l'acquisto di autoveicoli, prestiti ristrutturazione e liquidit\u00e0).\n                        <\/p>\n\n                    <\/div>\n\n                <\/article>\n\n\n                <!-- =======================\n                     ARTICLE 03\n                ======================== -->\n\n                <article class=\"pv8-article\" id=\"art-03\">\n\n                    <div class=\"pv8-article-heading\">\n\n                        <span class=\"pv8-article-number\">\n                            03\n                        <\/span>\n\n                        <div class=\"pv8-article-meta\">\n\n                            <span class=\"pv8-article-kicker\">\n                                Trasparenza Bancaria &amp; SECCI\n                            <\/span>\n\n                            <h2 class=\"pv8-article-title\">\n                                Trasparenza Bancaria, Calcolo Rata e Condizioni Promozionali\n                            <\/h2>\n\n                        <\/div>\n\n                    <\/div>\n\n                    <p class=\"pv8-article-text\">\n                        Tutte le condizioni economiche, i tassi d'interesse (TAN e TAEG) e le quote di rimborso esposte all'interno dei simulatori o dei banner del portale PRESTIVANA hanno natura meramente orientativa, esemplificativa e promozionale. Esse non costituiscono in alcun caso proposta contrattuale ai sensi dell'art. 1326 del Codice Civile, n\u00e9 offerta vincolante al pubblico ai sensi dell'art. 1336 c.c.\n                    <\/p>\n\n                    <div class=\"pv8-card pv8-card-flex\">\n\n                        <div class=\"pv8-example-header\">\n\n                            <div class=\"pv8-example-heading\">\n\n                                <span class=\"material-symbols-outlined\">\n                                    calculate\n                                <\/span>\n\n                                <span>\n                                    Esempio Rappresentativo di Credito ai Consumatori (Art. 125-bis TUB)\n                                <\/span>\n\n                            <\/div>\n\n                            <span class=\"pv8-example-promo\">\n                                Promo TAN 3,00%\n                            <\/span>\n\n                        <\/div>\n\n                        <div class=\"pv8-financial-grid\">\n\n                            <div class=\"pv8-financial-item\">\n                                <span class=\"pv8-financial-label\">Importo Totale<\/span>\n                                <span class=\"pv8-financial-value\">\u20ac 15.000<\/span>\n                            <\/div>\n\n                            <div class=\"pv8-financial-item\">\n                                <span class=\"pv8-financial-label\">Durata Rimborso<\/span>\n                                <span class=\"pv8-financial-value\">60 mesi<\/span>\n                            <\/div>\n\n                            <div class=\"pv8-financial-item\">\n                                <span class=\"pv8-financial-label\">TAN Fisso<\/span>\n                                <span class=\"pv8-financial-value blue\">3,00%<\/span>\n                            <\/div>\n\n                            <div class=\"pv8-financial-item\">\n                                <span class=\"pv8-financial-label\">TAEG Massimo<\/span>\n                                <span class=\"pv8-financial-value blue\">3,42%<\/span>\n                            <\/div>\n\n                        <\/div>\n\n                        <div class=\"pv8-example-summary\">\n\n                            <span>\n                                Rata mensile calcolata:\n                                <strong>\u20ac 269,63<\/strong> (60 rate)\n                            <\/span>\n\n                            <span>\n                                Importo totale dovuto:\n                                <strong>\u20ac 16.327,80<\/strong>\n                            <\/span>\n\n                        <\/div>\n\n                        <p class=\"pv8-legal-small\">\n                            Spese di istruttoria pratica: \u20ac 0,00. Spese di incasso rata: \u20ac 0,00. Imposta di bollo su contratto assolta ove applicabile. Condizioni soggette a valutazione del merito creditizio e approvazione definitiva da parte dell'Istituto Bancario o dell'Intermediario erogante prescelto. Il cliente ha diritto di richiedere e ricevere gratuitamente, prima di vincolarsi, il documento recante le \"Informazioni Europee di Base sul Credito ai Consumatori\" (SECCI - Standard European Consumer Credit Information).\n                        <\/p>\n\n                    <\/div>\n\n                <\/article>\n\n\n                <!-- =======================\n                     ARTICLE 04\n                ======================== -->\n\n                <article class=\"pv8-article\" id=\"art-04\">\n\n                    <div class=\"pv8-article-heading\">\n\n                        <span class=\"pv8-article-number\">\n                            04\n                        <\/span>\n\n                        <div class=\"pv8-article-meta\">\n\n                            <span class=\"pv8-article-kicker\">\n                                Risoluzione Extragiudiziale\n                            <\/span>\n\n                            <h2 class=\"pv8-article-title\">\n                                Procedura Reclami e Ricorso all'Arbitro Bancario Finanziario (ABF)\n                            <\/h2>\n\n                        <\/div>\n\n                    <\/div>\n\n                    <div class=\"pv8-card pv8-card-gap\">\n\n                        <p class=\"pv8-article-text\">\n                            I clienti che ritengano non corretto il comportamento tenuto da PRESTIVANA S.r.l. nell'ambito dell'attivit\u00e0 di mediazione possono presentare reclamo formale mediante lettera raccomandata con avviso di ricevimento (A\/R) o via Posta Elettronica Certificata (PEC).\n                        <\/p>\n\n                        <div class=\"pv8-two-columns\">\n\n                            <div class=\"pv8-mini-card\">\n\n                                <span class=\"material-symbols-outlined pv8-blue\" style=\"font-size:24px;\">\n                                    forward_to_inbox\n                                <\/span>\n\n                                <span class=\"pv8-mini-card-title\">\n                                    Invio a Mezzo PEC\n                                <\/span>\n\n                                <p class=\"pv8-mini-card-text\">\n                                    Indirizzare la comunicazione con causale \"Reclamo Mediazione Creditizia\" all'indirizzo:<br>\n                                    <strong style=\"color:#191c1e;\">\n                                        contact@prestivana.com                       <\/strong>\n                                <\/p>\n\n                            <\/div>\n\n                            <div class=\"pv8-mini-card\">\n\n                                <span class=\"material-symbols-outlined pv8-blue\" style=\"font-size:24px;\">\n                                    local_post_office\n                                <\/span>\n\n                                <span class=\"pv8-mini-card-title\">\n                                    Invio Raccomandata A\/R\n                                <\/span>\n\n                                <p class=\"pv8-mini-card-text\">\n                                    Spedire a:<br>\n                                    <strong style=\"color:#191c1e;\">\n                                        PRESTIVANA S.r.l. \u2014 Ufficio Reclami\n                                    <\/strong><br>\n                                    Via Ala Ponzone 5, 26100 Cremona \n                                <\/p>\n\n                            <\/div>\n\n                        <\/div>\n\n                        <div class=\"pv8-abf-box\">\n\n                            <div class=\"pv8-abf-heading\">\n\n                                <span class=\"material-symbols-outlined\">\n                                    balance\n                                <\/span>\n\n                                <h4>\n                                    Ricorso all'Arbitro Bancario Finanziario (ABF)\n                                <\/h4>\n\n                            <\/div>\n\n                            <p class=\"pv8-abf-text\">\n                                PRESTIVANA S.r.l. evade il reclamo entro <strong>60 giorni<\/strong> dalla ricezione. Qualora il cliente non si ritenga soddisfatto dell'esito del reclamo, o in caso di mancata risposta nei termini, prima di adire l'autorit\u00e0 giudiziaria ordinaria pu\u00f2 rivolgersi all'<strong>Arbitro Bancario Finanziario (ABF)<\/strong>.\n                            <\/p>\n\n                            <div>\n                                <span class=\"pv8-legal-small\">\n                                    \u2022 Ricorso online a contributo fisso stabilito da Banca d'Italia\n                                <\/span>\n                            <\/div>\n\n                        <\/div>\n\n                    <\/div>\n\n                <\/article>\n\n\n                <!-- =======================\n                     ARTICLE 05\n                ======================== -->\n\n                <article class=\"pv8-article\" id=\"art-05\">\n\n                    <div class=\"pv8-article-heading\">\n\n                        <span class=\"pv8-article-number\">\n                            05\n                        <\/span>\n\n                        <div class=\"pv8-article-meta\">\n\n                            <span class=\"pv8-article-kicker\">\n                                Codice Propriet\u00e0 Industriale\n                            <\/span>\n\n                            <h2 class=\"pv8-article-title\">\n                                Propriet\u00e0 Intellettuale, Marchi Registrati e Condizioni d'Uso\n                            <\/h2>\n\n                        <\/div>\n\n                    <\/div>\n\n                    <div class=\"pv8-card pv8-card-flex\">\n\n                        <p class=\"pv8-article-text\">\n                            Tutti i contenuti presenti sul sito www.prestivana.com e sui relativi sottodomini \u2014 a titolo esemplificativo testi, loghi, marchi denominativi e figurativi, icone, algoritmi di calcolo, layout grafici, codice sorgente e fogli di stile \u2014 sono di esclusiva propriet\u00e0 di <strong>PRESTIVANA S.r.l.<\/strong> o dei rispettivi partner finanziari concessori, e sono tutelati dalla Legge sul Diritto d'Autore (L. 633\/1941) e dal Codice della Propriet\u00e0 Industriale (D.Lgs. 30\/2005).\n                        <\/p>\n\n                        <div class=\"pv8-mini-card\">\n\n                            <p class=\"pv8-mini-card-text\">\n                                \u00c8 severamente vietata la riproduzione, distribuzione, copia, scraping automatizzato, reverse-engineering o reimpiego anche parziale di elementi grafici e software senza esplicita autorizzazione scritta rilasciata dalla Direzione Affari Generali e Legali di PRESTIVANA S.r.l.\n                            <\/p>\n\n                        <\/div>\n\n                    <\/div>\n\n                <\/article>\n\n\n                <!-- =======================\n                     ARTICLE 06\n                ======================== -->\n\n                <article class=\"pv8-article\" id=\"art-06\">\n\n                    <div class=\"pv8-article-heading\">\n\n                        <span class=\"pv8-article-number\">\n                            06\n                        <\/span>\n\n                        <div class=\"pv8-article-meta\">\n\n                            <span class=\"pv8-article-kicker\">\n                                Regolamento UE 2016\/679 (GDPR)\n                            <\/span>\n\n                            <h2 class=\"pv8-article-title\">\n                                Tutela della Privacy, GDPR e Sicurezza Crittografica\n                            <\/h2>\n\n                        <\/div>\n\n                    <\/div>\n\n                    <div class=\"pv8-card pv8-card-gap\">\n\n                        <p class=\"pv8-article-text\">\n                            I dati personali e reddituali forniti dagli utenti in fase di simulazione o inoltro pratica vengono trattati nel rigoroso rispetto del Regolamento Generale sulla Protezione dei Dati (GDPR - Regolamento UE n. 2016\/679) e del Codice Privacy italiano novellato (D.Lgs. 196\/2003 e D.Lgs. 101\/2018).\n                        <\/p>\n\n                        <div class=\"pv8-three-columns\">\n\n                            <div class=\"pv8-gdpr-card\">\n\n                                <span class=\"material-symbols-outlined\">\n                                    vpn_key\n                                <\/span>\n\n                                <span class=\"pv8-gdpr-title\">\n                                    Crittografia TLS 1.3\n                                <\/span>\n\n                                <p class=\"pv8-gdpr-text\">\n                                    Tutti i canali di trasmissione dati sono protetti da certificato SSL\/TLS a 256-bit con cipher suite PFS.\n                                <\/p>\n\n                            <\/div>\n\n                            <div class=\"pv8-gdpr-card\">\n\n                                <span class=\"material-symbols-outlined\">\n                                    cloud_sync\n                                <\/span>\n\n                                <span class=\"pv8-gdpr-title\">\n                                    Data Center UE\n                                <\/span>\n\n                                <p class=\"pv8-gdpr-text\">\n                                    Infrastruttura cloud localizzata su territorio dell'Unione Europea con certificazione ISO\/IEC 27001.\n                                <\/p>\n\n                            <\/div>\n\n                            <div class=\"pv8-gdpr-card\">\n\n                                <span class=\"material-symbols-outlined\">\n                                    badge\n                                <\/span>\n\n                                <span class=\"pv8-gdpr-title\">\n                                    Contatto DPO\n                                <\/span>\n\n                                <p class=\"pv8-gdpr-text\">\n                                    Data Protection Officer raggiungibile via e-mail all'indirizzo dpo@prestivana.com.\n                                <\/p>\n\n                            <\/div>\n\n                        <\/div>\n\n                        <div class=\"pv8-owner\">\n\n                            <span class=\"pv8-owner-label\">\n                                Titolare del Trattamento:\n                            <\/span>\n\n                            <span class=\"pv8-owner-text\">\n                                PRESTIVANA S.r.l. \u2014 Sede Legale: Via Ala Ponzone 5, 26100 Cremona . Per l'esercizio dei diritti di cui agli articoli 15-22 del GDPR (accesso, rettifica, cancellazione, portabilit\u00e0, opposizione), il richiedente pu\u00f2 scrivere a\n                                <a href=\"mailto:privacy@prestivana.it\">\n                                    contact@prestivana.com\n                                <\/a>.\n                            <\/span>\n\n                        <\/div>\n\n                    <\/div>\n\n                <\/article>\n\n\n                <!-- =======================\n                     ARTICLE 07\n                ======================== -->\n\n                <article class=\"pv8-article\" id=\"art-07\">\n\n                    <div class=\"pv8-article-heading\">\n\n                        <span class=\"pv8-article-number\">\n                            07\n                        <\/span>\n\n                        <div class=\"pv8-article-meta\">\n\n                            <span class=\"pv8-article-kicker\">\n                                Normativa Antiriciclaggio\n                            <\/span>\n\n                            <h2 class=\"pv8-article-title\">\n                                Tracciabilit\u00e0 dei Pagamenti &amp; Antiriciclaggio (D.Lgs. 231\/07)\n                            <\/h2>\n\n                        <\/div>\n\n                    <\/div>\n\n                    <div class=\"pv8-card pv8-card-flex\">\n\n                        <p class=\"pv8-article-text\">\n                            In adempimento agli obblighi di adeguata verifica della clientela e tracciabilit\u00e0 finanziaria disciplinati dal D.Lgs. 21 novembre 2007, n. 231 (e successive modifiche di recepimento delle Direttive AML IV e V dell'Unione Europea), PRESTIVANA S.r.l. adotta stringenti protocolli di identificazione telematica a distanza prima della trasmissione delle domande agli istituti eroganti convenzionati.\n                        <\/p>\n\n                        <div class=\"pv8-aml-box\">\n\n                            <span class=\"material-symbols-outlined\">\n                                verified\n                            <\/span>\n\n                            <p>\n                                Tutti i flussi di liquidit\u00e0 relativi all'erogazione e al rimborso dei finanziamenti transitano esclusivamente mediante canali bancari ufficiali tracciati (bonifico SEPA \/ addebito diretto SDD).\n                            <\/p>\n\n                        <\/div>\n\n                    <\/div>\n\n                <\/article>\n\n            <\/main>\n\n        <\/div>\n\n    <\/div>\n\n<\/section>\n\n\n<script>\n(function () {\n\n    function initPrestivanaLegalScrollSpy() {\n\n        const nav = document.getElementById('legal-index-nav');\n\n        if (!nav) return;\n\n        const navLinks = nav.querySelectorAll('a');\n\n        const sections = Array.from(navLinks)\n            .map(function(link) {\n\n                const id = link\n                    .getAttribute('href')\n                    .substring(1);\n\n                return document.getElementById(id);\n\n            })\n            .filter(Boolean);\n\n        if (!sections.length) return;\n\n        function updateActiveSection() {\n\n            let currentSection = sections[0];\n\n            const scrollPos = window.scrollY + 180;\n\n            sections.forEach(function(section) {\n\n                if (section.offsetTop <= scrollPos) {\n                    currentSection = section;\n                }\n\n            });\n\n            navLinks.forEach(function(link) {\n\n                const targetId = link\n                    .getAttribute('href')\n                    .substring(1);\n\n                if (\n                    currentSection &&\n                    currentSection.id === targetId\n                ) {\n\n                    link.classList.add('pv8-active');\n\n                } else {\n\n                    link.classList.remove('pv8-active');\n\n                }\n\n            });\n\n        }\n\n        window.addEventListener(\n            'scroll',\n            updateActiveSection,\n            { passive: true }\n        );\n\n        updateActiveSection();\n\n    }\n\n    if (document.readyState === 'loading') {\n\n        document.addEventListener(\n            'DOMContentLoaded',\n            initPrestivanaLegalScrollSpy\n        );\n\n    } else {\n\n        initPrestivanaLegalScrollSpy();\n\n    }\n\n})();\n<\/script>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-37177a3 e-con-full e-flex e-con e-parent\" data-id=\"37177a3\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5012153 elementor-widget elementor-widget-html\" data-id=\"5012153\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t\t<!-- =========================================================\n     SECTION 05 \u2014 LEGAL DEPARTMENT CONTACTS\n========================================================= -->\n\n<style>\n.pv8-legal-contact,\n.pv8-legal-contact * {\n    box-sizing: border-box;\n}\n\n.pv8-legal-contact {\n    width: 100%;\n    padding: 64px 0;\n    background: #f7f9fb;\n    font-family: \"Plus Jakarta Sans\", sans-serif;\n}\n\n.pv8-contact-container {\n    width: 100%;\n    max-width: 1280px;\n    margin: 0 auto;\n    padding: 0 48px;\n}\n\n.pv8-contact-box {\n    background: #e6e8ea;\n    padding: 48px;\n    border-radius: 12px;\n    box-shadow: 0 1px 4px rgba(0,0,0,0.06);\n\n    display: flex;\n    align-items: center;\n    justify-content: space-between;\n    gap: 32px;\n}\n\n.pv8-contact-text {\n    max-width: 768px;\n}\n\n.pv8-contact-title {\n    margin: 0 0 8px;\n    font-size: 28px;\n    line-height: 36px;\n    letter-spacing: -.02em;\n    font-weight: 700;\n    color: #191c1e;\n}\n\n.pv8-contact-description {\n    margin: 0;\n    color: #45464d;\n    font-size: 15px;\n    line-height: 24px;\n}\n\n.pv8-contact-buttons {\n    display: flex;\n    align-items: center;\n    gap: 16px;\n    flex-shrink: 0;\n}\n\n.pv8-contact-button {\n    display: inline-flex;\n    align-items: center;\n    justify-content: center;\n    gap: 8px;\n\n    padding: 12px 24px;\n\n    border-radius: 8px;\n\n    font-size: 14px;\n    line-height: 18px;\n    font-weight: 600;\n\n    text-decoration: none;\n\n    transition:\n        background-color .2s ease,\n        color .2s ease;\n}\n\n.pv8-contact-button .material-symbols-outlined {\n    font-size: 18px;\n}\n\n.pv8-contact-email {\n    color: #191c1e;\n    background: #ffffff;\n    box-shadow: 0 1px 4px rgba(0,0,0,0.06);\n}\n\n.pv8-contact-email:hover {\n    background: #e0e3e5;\n}\n\n.pv8-contact-pec {\n    color: #ffffff;\n    background: #0049de;\n    box-shadow: 0 1px 4px rgba(0,0,0,0.06);\n}\n\n.pv8-contact-pec:hover {\n    background: #2d64ff;\n}\n\n\/* Tablet *\/\n@media (max-width: 1100px) {\n\n    .pv8-contact-container {\n        padding: 0 32px;\n    }\n\n    .pv8-contact-box {\n        flex-direction: column;\n        align-items: center;\n        text-align: center;\n    }\n\n    .pv8-contact-buttons {\n        flex-wrap: wrap;\n        justify-content: center;\n    }\n}\n\n\/* Mobile *\/\n@media (max-width: 767px) {\n\n    .pv8-legal-contact {\n        padding: 48px 0;\n    }\n\n    .pv8-contact-container {\n        padding: 0 24px;\n    }\n\n    .pv8-contact-box {\n        padding: 32px 24px;\n    }\n\n    .pv8-contact-title {\n        font-size: 24px;\n        line-height: 32px;\n    }\n\n    .pv8-contact-buttons {\n        width: 100%;\n        flex-direction: column;\n    }\n\n    .pv8-contact-button {\n        width: 100%;\n    }\n}\n<\/style>\n\n<section class=\"pv8-legal-contact\">\n\n    <div class=\"pv8-contact-container\">\n\n        <div class=\"pv8-contact-box\">\n\n            <div class=\"pv8-contact-text\">\n\n                <h3 class=\"pv8-contact-title\">\n                    Direzione Affari Legali, Societari &amp; Compliance\n                <\/h3>\n\n                <p class=\"pv8-contact-description\">\n                    Hai quesiti legali, richieste di verifica sui nostri requisiti di iscrizione OAM o necessiti di trasmettere atti giudiziari o notifiche formali? Il nostro dipartimento legale \u00e8 operativo dal luned\u00ec al venerd\u00ec (08:00 - 18:00).\n                <\/p>\n\n            <\/div>\n\n            <div class=\"pv8-contact-buttons\">\n\n                <a\n                    class=\"pv8-contact-button pv8-contact-email\"\n                    href=\"mailto:contact@prestivana.com \"\n                >\n                    <span class=\"material-symbols-outlined\">\n                        email\n                    <\/span>\n\n                    <span>\n                        contact@prestivana.com\n                    <\/span>\n                <\/a>\n\n                <a\n                    class=\"pv8-contact-button pv8-contact-pec\"\n                    href=\"mailto:contact@prestivana.com\"\n                >\n                    <span class=\"material-symbols-outlined\">\n                        lock\n                    <\/span>\n\n                    <span>\n                        Canale PEC Ufficiale\n                    <\/span>\n                <\/a>\n\n            <\/div>\n\n        <\/div>\n\n    <\/div>\n\n<\/section>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Note Legali, Dati Societari e Avviso di Trasparenza Informazioni societarie obbligatorie ai sensi dell&#8217;art. 2250 del Codice Civile, del D.Lgs. 385\/1993 (Testo Unico Bancario) e delle disposizioni di vigilanza della Banca d&#8217;Italia e dell&#8217;Organismo OAM. IDENTIFICATIVO 01 corporate_fare PRESTIVANA S.r.l. 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