GENERAL TERMS

for using the Cashlend Platform

I. GENERAL PROVISIONS

These Terms and Conditions govern the rules applicable to the activities and services of the Cashlend Platform.
The services of the Cashlend Platform (in short the Platform/Cashlend) are available to Users through an online interface (website, other software or mobile application) from the Cashlend.bg domain.
The Cashlend.bg domain. functions as a web-based software technology organizing an infrastructure for mediation, conclusion and administration of receivables transfer agreements between non-bank financial institutions (Originators) and Users (Investors).
The Cashlend platform provides Users with access to new alternative business ventures with multilateral connectivity, enhances shared consumption of services and leverages the network effect to carry out intermediation and trading on own account with or without pre-announced rates, fees and commissions.
Originators grant loans to natural persons Borrowers and offer for sale through the Cashlend Platform the receivables for their repayment. Investors purchase through the Cashlend Platform the offered receivables at their own discretion and choice. Loan repayments continue to be administered and serviced by the Originators according to the repayment plan to the loan agreement with the Borrowers and the repaid installments are distributed in favor of the Investors who purchased the receivables. Cashlend mediates and organizes relationships along the Borrowers, Originators and Investors chain.
Cashlend does not operate a trading system or market. The purchase and sale of receivables is initiated and executed at the personal discretion of each User and at his responsibility. Funds invested under these General Terms and Conditions are not deposits or deposits and are not protected by the Bank Deposit Guarantee Act.
Cashlend's services are neither verified nor approved by official authorities and are not licensed. Due to the specificity of the activity, investing in the purchase of receivables entails risks, including the risk of partial or complete loss of the invested funds.
Any person wishing to use Cashlend's services must familiarize himself with the proposed General Terms and Conditions, the nature of the services and the risk factors in advance.
Cashlend services are available online through a single point of entry from a website after a prior two-step registration process. An automated system guides the User through the procedure with the minimum necessary technical steps for registration.
Registration is allowed on the condition that the User has accepted these General Terms and Conditions. Acceptance of the General Terms and Conditions expresses the User's agreement with their content and application. The consent expressed is legally binding for the User with respect to all services, operations and relations on the Cashlend Platform. In the event that a User does not agree with these General Terms and Conditions, he/she is requested not to use Cashlend's services.
By pressing any of the virtual buttons for registration, acceptance, confirmation or other marking electronically through a generally accepted format in the sense of consent, the User makes an electronic statement within the meaning of the Law on Electronic Documents and Electronic Authentication Services (EIDS). As the holder and author of the statement, the User is considered bound by its legal consequences.
When concluding agreements for the transfer of receivables through the Cashlend Platform, it is considered that the User accepts to fulfill them and undertakes to comply with them.
Cashlend provides the Users with the text of these General Terms and Conditions and the receivable transfer agreements in a way that allows their storage and reproduction.
The User shall pay to Cashlend the fees, charges, commissions and other expenses due in accordance with these General Terms and Conditions and the Tariff for fees, commissions and expenses of the Cashlend Platform.

II. SERVICE PROVIDER

The owner and administrator of the Cashlend Platform is CASHLAND BG Ltd. Everywhere in these General Terms and Conditions, the mention of the Platform/Cashlend as the bearer of rights and obligations is intended and should be understood as "CASHLEND BG" OOD.

Data for the service provider "CASHLAND BG" OOD:

Entry in public registers: EIK 203868888 in the TRRYULNC at the Registration Agency.
Headquarters and address of management: town of Yambol 8600, g.k. Golden Horn No. 28, entrance B, floor 4, apartment 149.

Correspondence details:

Phone: +359 888 52 55 49
Email: info@cashlend.bg
Contact person: Venelin Todorov – manager

III. TERMS OF ACCESS AND USE OF THE PLATFORM

Cashlend services are provided at the express request of the User and after registration of a personal user profile, in which records are entered and data of the User is saved.
Registration of a user profile is allowed for a User who is an able-bodied natural person and has a registered permanent address or authorized permanent residence in the Republic of Bulgaria or in an EU member state, as well as in a third country where measures against money laundering and financing are applied of terrorism at the level of existing EU rules. Due to the risks associated with the investment environment, Cashlend may introduce age restrictions and prevent registration of persons under 20 years of age.
Based on the registered user profile, a personal administrative panel (account) is created with authorized access to manage the services selected by the User. Cashlend may provide the User with or use additional generated identification data related to the User's identity.
Part of Cashlend's information services can also be provided without prior registration. Such can be the information resources with open access after an initial visualization of the website.
For the registration of a user profile, the User provides the necessary information and documents, according to the previously entered criteria in the Platform. Upon request, the User provides the administrator of the Cashlend Platform with additional information and assistance for preliminary verification, identification, authentication and verification, which he agrees to be carried out by entering the information for the purpose of registration. The Investor's payment bank account additionally serves for his identification.
The user undertakes to provide accurate, true, up-to-date and comprehensive information about his identity and for his identification according to the set registration criteria and the requirements of the applicable legislation.
Each User bears personal responsibility for the accuracy of the information entered and the content published by him on the Cashlend Platform, including the statements and declarations imported through the personal account.
Cashlend reserves the right to monitor the accuracy and up-to-dateness of the data provided and to refuse registration if it finds non-compliance with the entered criteria, indication of insufficient or incorrect data, as well as in order to prevent a potential violation of the current legislation. Cashlend includes technical means in the user interface for detecting and correcting errors when initially entering information.
A personal Cashlend account can be used after confirmation and activation by the Platform administrator, if I meet all the criteria and requirements for registration, about which the User will be notified without undue delay through the established two-way communication channel.
Each User is responsible for maintaining the confidentiality of access to his account, user names, passwords, identification codes and numbers generated by him or provided by Cashlend, and is responsible for any action and access performed with them, which will be considered performed personally from him. The user undertakes to immediately notify Cashlend of unauthorized access or suspected access, as well as any other possible breach of security or misuse by third parties.

IV. CHARACTERISTICS OF THE SERVICES

The Cashlend platform functions as an electronic system in a technological environment in which information related to the offered services is entered, maintained, processed and updated according to the specific functionalities. The User accesses the information relating to him through a special place on the Platform designated as the user interface.
Cashlend reserves the right to introduce new services, to change the technology and design of the services provided, as well as to make future improvements and modifications of the available functionalities.
Cashlend provides online brokerage services by interacting with Originators and Investors and arranging an infrastructure to enter into, administer and execute receivables transfer agreements between them. Cashlend is not a party to, or a guarantor of, the Receivables Assignment Agreements.
Cashlend may also act as an information portal that provides Users with ideas, data or information, including distributing new smart applications through APIs, according to previously announced terms of use.
Cashlend may sell technologically enabled places intended for the distribution of advertising content from third parties in their capacity as advertisers, in which case the relationship between them is governed by a separate contract.
Cashlend does not provide financial services or financial instruments. The services provided through the Cashlend Platform are not licensed investment services and are not subject to the regulatory rules and guarantee schemes for the public offering of securities and marketable financial instruments. Likewise, the rules governing the activities of investment intermediaries, alternative investment funds, collective investment schemes or other collective investment enterprises do not apply to Cashlend's activities and services, including schemes or guarantees for compensation of Investors.

V. ORIGINATORS

Originators use Cashlend's services on the basis of concluded bilateral agreements, after negotiation and establishment of sustainable business relations between the parties.
Originators in Cashlend are commercial companies entered in the Public Register of Non-Banking Financial Institutions under Article 3a of the Law on Credit Institutions maintained by the BNB, as well as foreign non-banking financial institutions registered and entered in the registers of the respective countries where they are registered and operate .
Originators by profession grant credit to individuals in the form of loans with their own funds. Credit agreements are concluded with Borrowers in writing in accordance with the requirements of the law for the respective type of credit. Loans are unsecured.
The activity of Bulgarian originators is subject to administrative control in accordance with the Law on Credit Institutions, including in accordance with Ordinance No. 26/23.04.2009 of the BNB on Financial Institutions and Ordinance No. 22/16.07.209 of the BNB on the Central Credit registry. Foreign originators are subject to administrative control by the responsible institutions in the respective country where they are registered and operate. As non-banking financial institutions, the Originators are obliged to comply with specific legal requirements for their credit activity, including assessing the creditworthiness of the Borrowers when granting loans and with due care to ensure the accuracy and completeness of the data provided by them.

VI. INVESTORS

An Investor is a registered Cashlend User who, with his own funds and at his own risk, wishes to purchase or has purchased a claim under a credit where the respective Originator is the first creditor.
The purchase and sale of receivables through Cashlend is carried out at the discretion of each Investor, at his initiative and at his responsibility. Each Investor performs relevant factual and legal actions in the Cashlend Platform based on its own independent judgment and independent decision on its own behalf, at its own expense and at its own risk.
By accepting these General Terms and Conditions, each Investor confirms that he is informed and understands all the risks when purchasing receivables, including the risks of not being able to receive full or partial payments for their repayment.
All statements, actions and operations carried out through the Investor's personal account and/or with the introduction of his electronic signature will be considered to have been carried out personally by the Investor and will be binding for him in legal relations with Cashlend, the Originators and the other Investors in the Platform, respectively.

VII. ASSIGNMENT OF RECEIVABLES

Receivables are transferred through Cashlend on a buy-sell basis. Each claim is pecuniary and divisible. The claim subject to transfer constitutes an acquired right of the Originator, directed against a debtor - Borrower, for payment of a sum of money for the utilized principal (in whole or in part thereof) under a credit agreement granted by the Originator to the Borrower, a natural person.
Receivables are offered for sale through Cashlend by Originators, original lenders. The offers are visualized in the Investors' user interface as an offer indicating the Originator, the claim, the purchase price and the maturity data of the repayment plan under the loan agreement regarding the upcoming payments from the Borrower.
The investor makes a statement to purchase one or more receivables of his choice through his personal account. With the purchase statement, the Investor confirms the Originator's offer, including the purchase-sale price of the claim (claim price). The claim selected by the Investor may cover the entire principal amount under the credit agreement or a part of it.
Claims transfer agreements are concluded between Originators and Investors through the Cashlend Platform. The rights and obligations under the concluded agreements arise directly for the parties.
By agreement with the Investor, after the transfer of the claim, the Originator continues to administer the repayment of the loan in relation to the Borrower, who is not informed about the transfer of the claim. The Borrower continues to pay the obligations under the loan agreement to the Originator.
Cashlend acts as an intermediary and authorized representative of the parties. Cashlend is not responsible for the obligations that may arise for the Originator or the Investor under the applicable legislation as a result of concluded agreements for the transfer of claims, including for tax obligations.
By virtue of prior agreements with the Originators, Cashlend is considered an authorized person on behalf and at the expense of each Originator to conduct negotiations and conclude agreements for the transfer of claims with Investors, as well as to organize the interaction between the parties, to administer the fulfillment of obligations, to accept and make payments on them.
Cashlend performs electronic processing of the data for the transferred receivables and reflects the information in the personal profile of each Investor. Cashlend is considered an authorized person on behalf and at the expense of each Investor to perform the necessary actions and technical operations, in accordance with the modules and functionalities of the Platform, corresponding to the Investor's actions performed through his personal account. The authorization is considered confirmed by the Investor each time he activates his personal account with the simultaneous entry of a username and password.
The agreement for the transfer of receivables is concluded in the form of an electronic document according to Article 3 of ZEDEUU, signed with the Investor's electronic signature. The electronic signature is created by the Cashlend Platform by generating a personal password, consisting of a random alphanumeric combination, which is sent to the Investor through the established channels and means of two-way remote communication. Each Cashlend Investor agrees that the signatures created in accordance with the previous sentence will have the legal meaning of a handwritten signature according to Article 13, Paragraph 2 and Article 13, Paragraph 4 of the ZEDEUU.
Pursuant to the concluded agreement, the Originator, through the Cashlend Platform, voluntarily transfers to the Investor the claim chosen by him (the entire utilized principal under a credit agreement or a part of it), against the Investor's obligation to pay the corresponding price previously proposed by the Originator and confirmed by the Investor the taking.
The receivable is considered transferred from the Originator to the Investor from the day of payment of the price of the receivable. The transferred claim gives the Investor, as a subsequent creditor, the right to be paid the amount of money corresponding to the price of the claim, with fixed maturities as established in the repayment plan under the loan agreement with the Borrower.
In cases where the claim selected by the Investor covers a part of the utilized principal under a credit agreement, the price of the claim and the payment rights acquired by the Investor correspond proportionally to this allocated part. For the remainder of the receivable, payment rights may be acquired and/or held by the Originator and/or other Investor(s). In these cases, all creditors of the claim have equal rights to payment for their respective share.

VIII. SECONDARY MARKET. AUTOMATIC INVESTMENT

With the technological possibility provided by Cashlend, an Investor may transfer his claim to another Investor who has a registered user profile on the Cashlend Platform, with or without a discount or premium (through the Secondary Market). Transfer can only be done using the Cashlend Platform. The new Investor who purchases the claim remains bound by all terms agreed upon in the original agreement with the Originator.
An investor who wishes to sell a receivable announces the parameters of his offer on the Cashlend Platform in a special technological place constituting a dedicated virtual showcase for the Cashlend Secondary Market. The offer is binding and valid as long as it is available as a publication on the shop window according to the previous sentence.
On the Secondary Market, the agreement for the transfer of a claim is concluded with an Investor who has requested the published offer with the announced conditions and confirmed the purchase of the claim by activating the relevant buttons in the virtual showcase for the Secondary Market. The New Investor notifies Cashlend of the payment made. The claim is considered transferred from the moment Cashlend updates the corresponding data in the virtual wallet of the selling and buying Investor.
Cashlend may provide an automatic investment facility. Automatic investment is initiated directly by the Investor, with the declaration of the individual parameters of the receivables that are preferred for purchase through Cashlend.
If technologically possible, an Investor can request an automatic investment option. The option is claimed by the Investor by pre-selection of automated preferences, filters and settings from a virtual shop window with a market basket.
The Investor carries out a careful preliminary examination of the automated preferences, filters and settings for the purchase of receivables that he has selected, confirmed or refused, being considered bound by his decision to apply them and by the resulting legal consequences.
All actions and operations in automatic investment are carried out at the independent decision of the Investor, and are considered to be carried out on his behalf and at his expense, responsibility and risk. Cashlend does not make judgments on behalf of the Investor, does not provide advice or recommendations on the selection of strategy, parameters or other options for automatic investing, and does not guarantee that the preferences selected by the Investor will be fulfilled.

IX. PAYMENTS. ADVANCE FUNDS. VIRTUAL PORTFOLIO

All cash payments related to the transfer of receivables through Cashlend are made to and from payment accounts designated by an international identifier (IBAN standard). The payment account should be opened and maintained in a credit institution or other payment service provider that is subject to the measures against money laundering and terrorist financing in accordance with the requirements of EU law. Information about the Investor's payment account should contain information about his name as the holder.
When using a payment method or means involving a third party payment service provider, the Investor may be bound by the terms, conditions, fees or commissions of such third party.
1. The investor provides the necessary funds to pay the price of the receivables in advance, without an offer having been previously accepted.
2. To facilitate payments and to avoid multiple payment transactions, Cashlend administers an advance funds system.
3. The Investor deposits an advance amount chosen by him to a designated Cashlend bank account to serve as a reserve at a future time to pay the price of selected receivables by deducting all or part of the prepaid amount (Investor's Advance Funds).
4. Cashlend refers to the Investor's Advance Funds and all funds allocated to him for payment under past period receivables transfer agreements.
5. No interest is charged on the Investor's advance funds.
6. Payment of the Investor's obligations arising under receivables transfer agreements shall be made by deducting from Cashlend the Investor's accepted Advance funds, if they exceed or equal the amount due.
7. The Investor has the right to request the return of his Advance funds up to the amount of the positive remaining balance. In these cases, Cashlend pays out the funds to the Investor within a week by order to one of the bank accounts from which the Investor previously ordered a money transfer.
The Originator, by virtue of the contract with Cashlend, undertakes to provide for distribution in favor of each Investor the funds received from Borrowers for repayment of his transferred claims. Funds are distributed according to the repayment plan attached to the credit agreement, except in cases of delay. In the event of a delay of more than 60 days, the redemption rules apply according to these General Terms and Conditions.
Cashlend, as an authorized person, opens, maintains, maintains and closes current accounts, on which it tracks and periodically compares the mutual monetary claims and obligations between Originators and Investors related to the concluded agreements for the transfer of claims. Cashlend shall settle into one closing balance at least on the first business day of each consecutive week and shall account for the final redistribution of funds due to each Originator and each Investor in respect of which there is a payment balance as of the applicable relevant date.
Cashlend is responsible for the accuracy of calculations and entries in current accounts, balances and payment orders relating to each Investor. Cashlend, on its own initiative or at the Investor's objection, checks the data and corrects obvious factual errors.
Cashlend has the right to deduct from the Investor's Advance funds the fees and commissions payable by him in accordance with these General Terms and Conditions and the Tariff for fees, commissions and expenses of the Cashlend Platform.
A Virtual Wallet is visualized for each Investor's personal account, which serves only for convenience. The data in the Virtual Wallet reflect the mutual relations in Cashlend related to the concluded agreements for the transfer of receivables. Recorded digital equivalents serve to display, verify, track and confirm monetary obligations, transactions and technical operations.
Cashlend periodically updates the Investor's Virtual Wallet, at least once a week, confirming and recording in it the positive remaining balance from the Advance Funds System.
The virtual wallet does not constitute a payment account and the Investor cannot perform payment operations with it. Likewise, the monetary values reflected in the Virtual Wallet do not have their own value in another currency, do not constitute electronic money, a payment instrument or another means of payment, and with them the Investor cannot make orders, purchases, sales, transfer funds, replenish accounts or makes other types of payments, including to Originators and Cashlend. Entries in the Virtual Wallet cannot be grounds for bringing claims against Cashlend, Originators, other Investors or third parties.

X. BUY-BACK OPTION

To increase the security of investments through Cashlend and to mitigate the risk of the Investors, the claims are transferred from the Originators to the Investors with a Buy-back Option. The redemption option is conditional and limited.
The Originator buys back from the Investor a transferred claim if:
The borrower falls into arrears and does not repay the principal obligation under the loan agreement for a period of more than 60 (sixty) days; or
Cashlend has terminated the registration and suspended the Investor's access to the services of the Cashlend Platform in accordance with these General Terms and Conditions.
Redemption takes place automatically in the interest of the Investor upon the occurrence of any one of the alternative grounds under this section, without entering into another individual agreement. This does not release Cashlend from the obligation to expressly notify the Investor of the redemption occurring through the established two-way communication channels.
In case of redemption, the cost of the receivable is equal to the value of the future payments due from the balance of the utilized principal under the credit agreement, which has not been repaid and has not been paid to the Investor.
In case of redemption, the Originator shall provide the funds for distribution and payment to the Investor within the terms calculated from the date of occurrence of the relevant reason for the redemption, as follows:
1. up to one week - if the total amount due for payment to the Investor is up to 3,000 /three thousand/ BGN;
2. up to one month - if the total amount due for payment to the Investor is from BGN 3,001 (three thousand and one) to BGN 30,000 (thirty thousand);
3. for the amount above BGN 30,000, the term is increased by as many months as the amount up to BGN 30,000 is contained in the balance to be paid.
Redemption takes effect from the moment of making the payment to the Investor's payment bank account.
The Investor has no right to objections and claims against the Originator in connection with the redemption of the claim, including claims for lost profits or other damages.

XI. PROCESSING AND PROTECTION OF PERSONAL DATA

By entering the necessary registration data according to the set criteria and the necessary technical steps in the Cashlend Platform, the Investor makes an electronic statement voluntarily providing his data and gives his express consent to the processing of information containing personal data in accordance with the Cashlend Privacy Policy.
The personal data of the Investors will be used to the extent necessary for the purposes of the announced services of the Cashlend Platform, will be processed and protected with technical and organizational measures in compliance with the legal framework for the protection of personal data and in particular with Regulation (EU) 2016/ 679 of 27.04.2016
"CASHLAND BG" Ltd. is a personal data administrator, processing the data jointly with the Originators, based on a prior agreement, as joint administrators.
The Cashlend platform adopts and prominently announces the Privacy Policy according to which the personal data of individuals is processed and protected. Each person should become familiar with them before proceeding to registration, use of the services of the Platform or other actions to provide personal data.
The provision of personal data is entirely voluntary. Each User, at his own independent discretion, decides whether to enter into binding relations by registering on the Cashlend Platform. Refusing to provide personal data is grounds for Cashlend to refuse to provide the services available after registration.

XII. LIMITS. RESPONSIBILITIES. TERMINATION OF REGISTRATION

The services of the Cashlend Platform may only be used for lawful purposes in accordance with these Terms and Conditions.
Each User of the Cashlend Platform is personally responsible for the legality of his actions.
Each User and Investor undertakes:
1. Not to impersonate another person, not to mislead in any other way about your identity;
2. To indicate correct data and keep up-to-date the information provided during preliminary verification, identification and registration, notifying Cashlend of any change in it within one week of its occurrence;
3. Not to assign your personal account to a third party;
4. Take all care and take the necessary measures that are reasonably necessary to protect the confidentiality of access to the personal account, as well as the usernames, passwords, identification codes and numbers provided and used by it;
5. Not to interfere with the proper functioning of the Cashlend Platform, including not to impair or impede the availability, reliability or quality of access provided and data processed;
6. Not to reproduce, extract, disclose, distribute, translate or modify without permission, by technical means or otherwise, the information resources or parts thereof located on the Cashlend Platform that do not relate to him and/or do not belong to him, as and thereby not to create an analogous proprietary database in electronic or other form;
7. Not to circumvent, impede or disable security or other technological measures to gain unauthorized access to Cashlend, related services, functionality or data.
8. Not to violate others' property or non-property rights, including intellectual property rights.
Cashlend has the right to monitor the full range of actions taken by Investors on the Cashlend Platform and to immediately and without notice terminate any Investor's access to the Services and maintenance of their registration on the Cashlend Platform when it determines that the Cashlend Services are being used in contradiction with these General Terms and Conditions, the provided data or the performed actions hide the danger of violation of the applicable Bulgarian and European legislation, the rights and legitimate interests of third parties or good morals.
Cashlend shall not be liable to the Investor if his access to the Cashlend Platform services is terminated due to reasons due to the actions of the Investor or his illegal activity.
These General Terms and Conditions are binding for each Investor until the moment when his user profile is closed and all commitments arising from the agreements concluded with him for the transfer of claims are fulfilled in full.
An Investor has the right to ask Cashlend to close his user profile at any time if he has no outstanding debts and outstanding claims.
Cashlend, on its own initiative, closes the Investor's user profile if all commitments arising from the receivables transfer agreements have been fulfilled in full and at the same time the Investor has not requested or performed other actions through his user account for a period of more than 12 consecutive months .
Before closing the user profile, Cashlend notifies the Investor about the impending closure of his user profile through the established means of two-way communication at least 1 /one/ month in advance, ordering all funds due to the Investor to the bank account from which the Investor previously ordered cash translation.
Cashlend takes due care to protect Investor information provided or received under these Terms and Conditions and is responsible for its protection, except in cases of force majeure, fortuitous event or malicious actions of third parties.
Cashlend ensures availability, continuity and security of the services at a level that is customary for services of the same type and within the reasonable expectations of the Users. Access to the Services may be temporarily restricted for external reasons beyond Cashlend's control, in which case the necessary actions will be taken to restore access as quickly as possible.
The Cashlend platform is not responsible for failure to provide services in the event of circumstances beyond its will or control - in cases of force majeure, problems in the global Internet network or due to reasons due to the User's equipment, as well as in the case of malicious actions of third parties persons. Instances of force majeure may include, but are not limited to, natural disasters, critical technical infrastructure malfunctions, communication disruptions, epidemics, quarantine restrictions, payment moratoria, decisions or orders of governmental authorities and related direct consequences.
94. Cashlend is not responsible for the reliability of photos, interactive diagrams and other images displayed on the Platform. The posting of such content is for the sole purpose of an approximate visualization, sample orientation or aesthetic background of a website and cannot be the subject of a complaint or claim of non-conformity.

XIII. INSOLVENCY. TERMINATION OF ACTIVITY

In the event that there is a possibility of bankruptcy or for any other reason it is unable to perform its activities according to these General Terms and Conditions, Cashlend shall notify the Investors at least 30 days in advance.
When Cashlend is suspended, new agreements between Originators and Investors are not concluded, and previously concluded agreements remain in effect. In this case, the manager and the majority partner of "CASHLAND BG" OOD are considered individually obligated to provide the necessary assistance to the Investors for the implementation of the current agreements for the transfer of receivables.
Measures to assist Investors may include, but are limited to, providing a Cashlend counterpart or other data repository, providing a communication channel to administer interactions between Originators and Investors, authorizing an Originator to provide Cashlend services, or any other measure that has in order to facilitate and ensure the final settlement of relations in the Borrowers, Originators, Investors chain.
Upon initiation of bankruptcy or liquidation proceedings for the Originator, Cashlend is considered to be an expressly authorized person to take all necessary actions to satisfy the claims of the Investors according to the procedure established by law. This may include, but is not limited to, assigning collection firms to collect the Investors' receivables, notifying the Borrowers of the transfer of the receivables, engaging other Originators to administer the repayment of loans with respect to the Borrowers.

XIV. INTELLECTUAL PROPERTY

Unless otherwise stated, all intellectual property rights, including but not limited to names, logos, trademarks, domain, artwork, design, graphics, images, databases, software and its code, verbal content, know-how and others, regardless of whether they are registered or not, are the property of "CASHLAND BG" OOD or its suppliers, used with their express consent.
Any text, graphic, audio-visual or other content, including the information resources available through Cashlend, are provided to Users for personal and non-commercial use with a limited purpose, for effective use of Cashlend services in the ways provided for in these General Terms and Conditions.
Any other unauthorized use of the intellectual property objects will be considered an infringement and tort to the owner.

XV. DISPUTES, COMPLAINTS AND OBJECTIONS

In the event of a dispute between the Cashlend Platform and a User, each party will make mutual efforts to resolve it by mutual agreement.
Each User can address a complaint or objection to Cashlend in written or electronic form by sending the announced addresses of "CASHLEND BG" OOD. Cashlend examines them within 14 (fourteen) days at the latest and issues a reasoned decision, which it notifies the User of.
Where the resolution of the complaint or objection is not satisfactory to the User, the matter may be referred to an alternative dispute resolution body, which may offer a resolution to the complaint, impose a resolution on both parties, or simply invite them to a meeting to discuss how to a solution is found, such as a Conciliation Commission within the meaning of Art. 181n, para. 4 of the PPE or Online Dispute Resolution site Online Dispute Resolution site of the European Commission.
Each party can also initiate mediation by choosing a mediator from the Unified Register of Mediators at the Ministry of Justice. Mediation is a voluntary and confidential out-of-court dispute resolution procedure in which a third-party mediator helps the disputing parties reach an agreement.

XVI. OTHER TERMS

Cashlend reserves the right to change these Terms and Conditions in order to comply with applicable legislation and to improve its services. Cashlend notifies the Investors in writing 1 /one/ month in advance of the amendments and additions through the established means of bilateral communication.
Any amendment and supplement to the General Terms and Conditions will be effective for the established relationship and will apply to the content of the concluded agreements for the transfer of receivables, without individual signing of other agreements, if no express written objection is received by The investor for disagreeing with them. In case of expressed disagreement on the part of the Investor, the original content of the General Terms and Conditions remains applicable to him.
These General Terms and Conditions have been adopted by "CASHLEND BG" OOD, after prior agreement and approval by the Originators of the Cashlend Platform and apply until they are expressly canceled or replaced by other amended General Terms and Conditions.
An integral part of these General Terms and Conditions is the Tariff for Fees, Commissions and Expenses that Cashlend applies.
These General Terms and Conditions apply to all dealings with Investors on the Cashlend Platform. The provisions of the legislation of the Republic of Bulgaria apply to unsettled incidents.

Last amendment and update on 25.03.2026

§1. Cashlend applies the following fees to users:

Type	Base	Size
Fee	Administration of payment transfers to investors*	€1 / 2 BGN
Fee	Secondary Market	0.5%
Fee	Auto Invest	€10/month

* The fee is charged and collected:

on the value of the sum ordered in favor of an investor;
to engage the activities of an employee and cover expenses at the expense of the principal;
at the time of ordering a transfer to an investor's payment account;
by deducting from the available/advance funds of the relevant investor;
with each individual transaction.