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User terms

1. General Terms

  • 1.1. This Agreement defines the terms of use by Users of the Kreditle.az Website.
  • 1.2. For the purposes of this User Agreement, the following terms and definitions are applied: Service – the Internet resource located at Kreditle.az (the website), its design (graphic layout), database, any section (subsection) of the services, as well as information posted by the Administration and Users. Administration – the owner of the website and the administrators managing the Service. User – any legal or natural person who has accepted the terms of the Agreement and uses the Service. Profile – a set of data and settings defined (posted) by the User. Each User may only have one profile. User’s personal information – information about the User provided voluntarily during registration or automatically transferred to the Administration during the use of the Service (including IP address, cookies, browser data, etc.). Information – any data posted on the Service by the User or Administration. Spam – mass, unauthorized and/or unexpected advertising, informational, promotional, or other mailings. Goods – products, works, services, material and technical resources, civil and non-civil rights. Parties to this Agreement – the Administration and the User.
  • 1.3. Any terms and concepts not defined in 'Terms and Definitions' shall be interpreted in accordance with the meaning derived from the text of the Agreement. In case of disputes regarding interpretation, the explanation provided by the Administration shall apply.
  • 1.4. The use of the Service is governed by the applicable laws as well as this Agreement.
  • 1.5. This Agreement is a public offer.
  • 1.6. By using the Service, the User agrees to this Agreement and accepts the obligations to comply with its instructions.
  • 1.7. If the Service is used on behalf of a company, such company accepts this Agreement and its terms.
  • 1.8. The Administration reserves the right to unilaterally amend the terms of this Agreement at any time.
  • 1.9. If the User does not agree with the terms of this Agreement or with amendments, they must refuse access to the Service and stop using it.
  • 1.10. By this, the Administration offers Users services for posting and searching advertisements through the Service.
  • 1.11. Certain services may be governed by special rules or agreements.
  • 1.12. The User accepts that all materials and services of the Service may be accompanied by advertisements. The Administration is not responsible for such advertisements.
  • 1.13. Registration on the Service is voluntary. Registered Users gain access to additional services. The Administration reserves the right to request confirmation of the data and supporting documents provided at registration at any time.
  • 1.14. The User undertakes to keep their password confidential and is responsible for actions performed with their email and password, as well as within their Profile. The User may only use their personal email and password. If the User suspects unauthorized access, they must change their password immediately.
  • 1.15. The Administration may use technical solutions to verify the accuracy of data provided during registration or authorization.
  • 1.16. The Administration cannot guarantee that the User is who they claim to be or that the information provided during registration is correct.
  • 1.17. Users are advised to use all available Service tools to communicate with potential counterparties.
  • 1.18. The Administration reserves the right to suspend access to the Service for Users violating this Agreement.
  • 1.19. The Service may restrict or suspend a User’s access in case of rights violations or other reasons at its discretion.
  • 1.20. Users whose access has been suspended or whose data is invalid may not re-register without special permission from the Administration. They may also not use another User’s registration data.

2. Use of the Service. Posting Advertisements

  • 2.1. The Administration grants all registered Users the right to post ads after completing a special form.
  • 2.2. The User agrees not to engage in actions considered violations of law or international norms, including intellectual property rights violations, or actions disrupting the normal operation of the Service.
  • 2.3. All transactions regarding goods, works, or services are concluded directly between Users. The Service is not a party or intermediary in such transactions and bears no responsibility for them.
  • 2.4. User comments and notes must not conflict with the law or generally accepted norms of morality.
  • 2.5. The User acknowledges that the Administration is not responsible for access to and use of external resources linked within the Service. The Administration is not liable for the content of ads or linked resources.
  • 2.6. By submitting ads and information, the User grants the Administration a perpetual, irrevocable, non-exclusive right to use, distribute, publish, process, display, reproduce, and store the data, images, videos, audio, databases, and other information on any media, free of charge. Users also grant other Users access to the information they post, while retaining intellectual property rights.
  • 2.7. The Service is not responsible for third-party rights violations resulting from information provided by Users.
  • 2.8. Users must provide accurate and complete information when posting ads and correct any errors or incomplete data.
  • 2.9. By posting a product, the User confirms they have the right to perform the actions indicated in the ad.
  • 2.10. The User confirms they have all necessary rights, licenses, or third-party permissions to use the information, trademarks, or other objects included in their ads.
  • 2.11. The Service may request additional documents confirming the information provided. Publication may be delayed until such documents are provided.
  • 2.12. Users may sell goods on the Service provided they comply with applicable rules and do not require special permits.
  • 2.13. The Service may limit the number of active ads or restrict User activity to maintain quality.
  • 2.14. The description of the product in the ad constitutes the terms of sale.
  • 2.15. Delivery terms must correspond with the product description.
  • 2.16. Terms of service provision, product descriptions, or sales conditions must not contradict applicable laws or this Agreement. If any term becomes invalid due to legal changes, the User must amend or remove the ad accordingly.
  • 2.17. Ads that violate laws, morality, or third-party rights are prohibited. The User must ensure their offer complies with legislation and this Agreement.
  • 2.18. Paid services do not guarantee that ads will not be blocked if they violate this Agreement. Payments are non-refundable in case of violations.
  • 2.19. It is prohibited to place links to external websites containing sales offers or other product/service information.
  • 2.20. Users must not promote or share information about:
  • 2.20.1. Other marketplaces, online auctions, or online stores;
  • 2.20.2. Services offering goods/services at lower prices than on the Service;
  • 2.20.3. Services offering goods/services prohibited for sale on the Service.
  • 2.21. Users agree not to use automated programs to access the Service without written consent from the Administration. Automated posting tools are prohibited unless explicitly approved.
  • 2.22. Users also agree to:
  • 2.22.1. Avoid actions causing excessive load on the Service infrastructure;
  • 2.22.2. Not copy, modify, distribute, or publicly display any information from the Service without prior written consent;
  • 2.22.3. Not interfere with the operation of the Service or automated systems.
  • 2.23. Information posted by Users must not:
  • 2.23.1. Contain false, inaccurate, or misleading data;
  • 2.23.2. Facilitate fraud, deception, or abuse of trust;
  • 2.23.3. Lead to transactions with stolen or counterfeit items;
  • 2.23.4. Violate property rights, trade secrets, or privacy rights of third parties;
  • 2.23.5. Contain defamatory information damaging honor, dignity, or business reputation;
  • 2.23.6. Contain slander or threats;
  • 2.23.7. Incite crime or ethnic hatred;
  • 2.23.8. Promote terrorism or extremism;
  • 2.23.9. Contain obscenity or pornography;
  • 2.23.10. Contain viruses or malicious code;
  • 2.23.11. Contain advertising materials;
  • 2.23.12. Infringe intellectual property rights or other rights of third parties;
  • 2.23.13. Violate laws in any other way.
  • 2.24. Users may not post ads or conduct transactions via the Service that could violate the law.
  • 2.25. The Administration may promote posted products in ways different from those indicated in the ad.
  • 2.26. The Administration may change, suspend, terminate, or extend ad display periods.
  • 2.27. The Administration may suspend ads violating this Agreement, user rights, laws, or for other reasons.
  • 2.28. The Administration may edit ads, move them to other categories, or take other actions.
  • 2.29. The Administration reserves the right to refuse to publish ads.
  • 2.30. The User is fully responsible for the content of their ads in accordance with the law.

3. Paid Services

  • 3.1. Users may order paid services on the Service.
  • 3.2. Types of paid services:
  • A) VIP Ad
  • B) Premium Ad
  • 3.3. Prices and procedures for ordering paid services are indicated on relevant pages of the Service.
  • 3.4. Users who paid for services may request refunds. Refunds or refusals are decided unilaterally by the Administration.
  • 3.5. Refunds may be denied in cases:
  • 3.5.1. User repeatedly violates this Agreement;
  • 3.5.2. Service already activated or ad deleted after moderation;
  • 3.5.3. User posted prohibited goods/services;
  • 3.5.4. Payment system malfunctions. The Service is not responsible for third-party payment systems. Refunds in such cases are handled individually;
  • 3.5.5. Other cases at the Administration’s discretion.
  • 3.6. Refund procedures are determined individually between Administration and User.
  • 3.7. Refunds must be transferred to the User’s account within 30 days.

4. Communication

  • 4.1. The Administration may send emails or SMS to Users at their provided contact details. Messages may also be posted on the Service.
  • 4.2. Users understand and agree that such messages may include offers, proposals, information, or advertisements. Such messages may contain commercial content.
  • 4.3. Messages posted on the Service are considered delivered at the moment of posting.
  • 4.4. The Administration is not responsible for messages sent by other Users or automated systems.
  • 4.5. The Administration is not responsible for the use of User contact details by third parties.
  • 4.6. Users agree that the Administration may provide their emails and phone numbers to third parties for messaging purposes.
  • 4.7. User communication with the Administration or moderators must occur via the official email provided on the Service.
  • 4.8. Users are prohibited from posting comments or discussions about actions of moderators or the Administration.
  • 4.9. Users may opt out of receiving messages at any time by submitting a request.

5. Software

  • 5.1. The Administration is the exclusive owner of the domain, website, mobile apps, and all software of the Service.
  • 5.2. By downloading the software, the Administration grants the User a free, non-transferable personal license.
  • 5.3. Such license allows use of the Service’s functions for intended purposes only.
  • 5.4. Copying, modifying, distributing, selling, exchanging, renting, or attempting to access the source code of the software without written permission is prohibited.

6. Limitation of Liability

  • 6.1. All information (including personal data) provided by Users is posted for the purpose of selling their goods.
  • 6.2. Users post their information voluntarily, including for communication and identification purposes.
  • 6.3. By posting information, Users agree it will be publicly available to any Service User or visitor.
  • 6.4. Users accept all risks associated with posting information, including spam, fraud, and misuse of contacts.
  • 6.5. The Service is not an organizer, intermediary, buyer, or seller of goods.
  • 6.6. The Service is not responsible for contracts between Users, financial losses, damages, or unlawful actions of third parties.
  • 6.7. By using the Service, Users confirm they assume all risks related to posted ads.
  • 6.8. The Service is only a tool allowing Users to post lawful ads.
  • 6.9. The Service does not always verify ads, so product quality, legality, and seller’s rights are beyond its control.
  • 6.10. The Service cannot verify the accuracy of User-provided information.
  • 6.11. The Service, its Administration, management, and employees are not responsible for ad content or its accuracy.
  • 6.12. The Administration and employees are not responsible for messages or misuse of contact details.
  • 6.13. Users understand that posting an ad does not guarantee its legality or truthfulness. Users make transaction decisions independently.
  • 6.14. The Service’s total liability is limited to the amount paid for its use or repeated provision of services.
  • 6.15. Users agree to resolve disputes with other Users independently without involving the Administration.
  • 6.16. The Administration is not responsible for unauthorized third-party access to data or accounts.
  • 6.17. The Administration is not liable for losses related to ads, copyright registrations, or third-party interactions.
  • 6.18. The Administration is not responsible for technical issues, errors, or viruses.
  • 6.19. Users must act in accordance with the law and are fully responsible for their actions.
  • 6.20. If User rights are violated, they may file a complaint to the Administration, which will review and take action if justified.

7. Duration of the Rules

  • 7.1. This Agreement takes effect from the moment the User starts using the Service and is valid indefinitely.
  • 7.2. Users may stop using the Service at any time. After that, they may not post new ads.
  • 7.3. The Service may suspend access at its discretion. Suspended or invalid Users may not re-register or use another User’s account without permission.

8. Other Conditions

  • 8.1. Disputes must be resolved through negotiations. If unresolved, they are settled under applicable law.
  • 8.2. The legislation of the Republic of Azerbaijan applies to all disputes.
  • 8.3. The Service may amend this Agreement without notice. The new version takes effect upon publication.
  • 8.4. Nothing in this Agreement shall be construed as establishing agency, partnership, employment, or other relations unless explicitly stated.
  • 8.5. If any provision is deemed invalid by a court, the rest remain in force.
  • 8.6. Failure of the Administration to act upon violations does not waive its right to enforce in the future.
  • 8.7. All other conditions not covered in this Agreement are regulated separately.
The user confirms that he/she is familiar with all clauses of this Agreement and fully accepts them.