The service of providing Raiffeisen Bank JSC (hereinafter - the Bank) with consumer loans under the Cash Loan program is provided by the Bank to individual customers under the terms of the Banking Service Agreement.
The Banking Service Agreement (hereinafter - the Agreement) is an accession agreement (Article 634 of the Civil Code of Ukraine) and consists of a public offer, a statement of acceptance of a public offer/agreement, "Rules for Banking Service of Individuals in Raiffeisen Bank JSC", Bank tariffs and a loan application " Cash Loan ".
In case of non-fulfillment or improper fulfillment by the client of the loan obligations established by the Agreement, the client is liable according to the legislation of Ukraine and the terms of the Agreement.
Thus, for the delay in the fulfillment by the client of any monetary obligations under the loan, the client must pay a penalty at the request of the Bank to the tune of 1% (one percent) of the amount of overdue payment for each calendar day of delay. The calculation of penalties is carried out starting from the next calendar day after the date when the corresponding monetary obligation must be fulfilled, and until the day, the consumer fulfills the overdue obligation, inclusive.
The Bank shall not require the client to purchase any goods or services from the Bank or a related or associated person as a prerequisite for the provision of a consumer credit service (except for the provision of a package of banking services).
The Bank shall not be entitled to amend the Cash Loan application with the client unilaterally unless provided by the Agreement or the law.
The customer may refuse to receive promotional materials by means of remote communication channels.