We will offer you the reunification of debts you need. HIGH CONCESSION RATE.
You will save time and money.
Request a Loan of Up to € 5000
Save time and money
Get different offers for your loan
Apply for your loan!
Save time and money
With just one application, you can get different loan offers from different companies in just 15 minutes. Select the best offer and save money.
LOANS OF UP TO 10,000 EUROS
Hooly Loans offers loans of up to 10,000 euros.
When you leave a loan application, it will be presented to different banks to get the best offer. Immediate loans are not guaranteed. They can be granted without endorsement, without payroll, without paperwork. 100% online!
Who can apply for a loan?
if you are between 18 and 80 years old you reside in Cameroon you have a fixed income you have an account in a national bank do you have email Do you have a cellphone
Refinance debt
Different circumstances in life can lead us to accumulate different debts . And sometimes, unfortunately, we are not as much in control of our destiny as we would like. We may lose our jobs, our income may decline, or new monthly expenses may arise. Unfortunately, we cannot foresee everything.
While practicing a responsible exercise when acquiring debt we can reduce our risk of ending up in this situation, there is no shame if we end up owing more money than we can pay . When this happens, it is not a time to regret, but to take action.
Basically, if we have a number of monthly debts that we cannot appease with our income, the most logical thing would be to increase our income. However, we will not always be able to achieve this, since we would surely have tried it before.
Therefore, the other option we have is to reduce the amount of debt that we will pay per month. Although this will increase the total money to be returned , it may be our only alternative. And this is what Debt Reunification credits are for .
Should I reunify my debts?
Refinancing our debt sounds great. If I pay € 300 per month; Why would I give up paying € 150? The answer is that reunifying our debt will always mean ending up paying more interest. This is due to the following:
We take out a new loan . Every time we reunify our debt, we take out a new loan. This means that there will be extra interest added to what we have to pay on previous loans. So, if you have a debt at 30% APR and another at 15% but you reunify them in a debt at 5%, you are not saving, if not paying 5% more.
The longer we take, the more we pay. The APR is an annual index. This means that loans always get more expensive the longer it takes us to pay them off. And because reducing the fee always means lengthening the term, we will always be paying more.
They are more expensive credits. Granting a loan to someone with a good collection of debts is a risky investment. Therefore, finance companies usually apply more interest to cover possible losses.
As you can see, reunifying your debt is a risky option. For this reason, from Hooly Loans we recommend reunifying your debt only if it is totally essential. Don't do it for convenience, if not out of necessity .
Tips for Debt Reunification
If you have already assessed the pros and cons of reunifying your debt and have decided to hire this service, there are certain aspects that you will have to take into account. At Hooly Loans we give you several tips.
Hire it only if necessary. We insist on this step; just take out a debt reunification loan if you need it.
Compare different options. Do not take out the first loan that offers you to reunify your debt. Being an option that not all entities give, you may believe that the one that grants it does you a “favor”. Think that you are a client, and that is what financial companies are looking for, so you can always compare with other options and even negotiate conditions.
Look for deals. There are financiers who even negotiate to lower the APR you pay. If your debt is small, for example, there are up to 0% offers on loans of € 300. Weigh all of your options before making a decision.
General conditions
Hooly Loans is a service that helps you find out the loan options from different credit providers according to the search criteria you choose. It is a free service and does not commit you to anything.
By using Hooly Loans services, you are allowing Draivi Media Oy access to data related to you. The online service riverschoolnyack.com is owned by Draivi Media Oy and is managed by the same entity. The intent of this explanatory document is to clarify what information we collect, how we collect it, and what we use it for.
What is personal data?
Personal data is data that can be directly related to you, such as name, address, telephone number and email. Also, information about how you use the Hooly Loans service, such as which ads you have seen, is considered personal data.
How is personal data managed?
Draivi Media Oy is responsible for the management of the personal data collected through all the Hooly Loans services. The data is stored in our files or on the device you use (mobile, laptop or similar). You can trust that all personal data is managed in accordance with the personal data protection law.
What data do we collect about you?
- The data that you give yourself
By registering as a user of the Hooly Loans service you give us some information about yourself, which we save. The same happens when you fill in the forms found on our home page or on other web pages.
- Information about how you visit the website
When you visit any of our web pages, we collect information about the technology you use, that is, if, for example, at that moment you are using a laptop, tablet or smartphone, or what browser or operator you use.
- Information about what you do on the website
When you visit our website we receive information about your behavior. For example, we may receive information about the pages you visit, which ads you click on, and what ads we have shown you.
Person responsible for the management of personal data
The board of directors of Draivi Media Oy is responsible for the management of data related to the company's business. Responsibility entails daily monitoring of the data protection principles that are mandatory when conducting business.
What does the act of registering mean?
The fact that you register for the Hooly Loans service provides you with several advantages. When applying for a loan, you will receive by email, text message or by phone important information about:
- how you can improve your chances of getting a loan;
- practical tricks to improve the financial management of your day to day;
- the banks that offer the best refinancing and loan opportunities and
- news related to the financial sector.
By default you will receive messages from us a few times a week. You can cancel the messages whenever you want by clicking the cancellation link at the end of the message.
When do we collect personal data?
We collect personal data to be able to offer you suitable options and the best loan options that can be found among our collaborators. With your contact information we keep you informed about interesting offers. The management of personal data, including its storage and transfer to third parties, is carried out entirely within the limits established by the law on the protection of personal data.
What is the data used for?
We strive to offer each Hooly Loans user a personalized user experience.
Personal data is used so that we can:
- Offer you exactly the service you expect from us.
We need, for example, your email and your mobile number so that the credit institutions can locate you and make an offer according to your request.
- Understand the needs and trends of the market.
We analyze the data and thus take advantage of the knowledge acquired in this way to continue developing our service. It allows us, for example, to give you even more precise advice on how to improve your loan application, or to further personalize the offers we present to you.
- Avoid harmful or illegal actions.
One of our most important goals is to ensure that Hooly Loans is a safe place to apply for a loan.
That is why we do everything possible to avoid any harmful or illegal action. The data obtained through cookies, as well as the history of notices and messages, constitute an important tool to be able to recognize any attempt of abuse or fraud. The data protection and services team is very vigilant about suspected abuse.
- Stay informed about good loan offers by email, text message or phone.
From time to time we let you know via email, text message or phone call about loan opportunities that we have found that might be a good fit for you.
Is the information shared with third parties?
Third parties may use your personal data for analytical purposes. All third parties who receive data are obliged to respect our personal data management policy. If there is a suspicion of an infringement, your data can be handed over to the authorities. They can also be delivered in cases where there is fear that a scam will continue, or where they can help settle a disagreement.
In specific cases, we also deliver personal data to companies with which we collaborate for issues related to CRM services or marketing by email or text message. Companies are not allowed to use the data for anything other than to produce the services they provide to us.
Data collected through cookies
We use cookies in some sub-sections of our service. They are small files that contain data and that are saved on your computer to improve your user experience. You can choose if you want to activate or deactivate this function in your browser. If you disable cookies, you can continue using the Request24 service, but some functions may not be optimally implemented.
Deletion of personal data
Unless required by law, we do not store personal data for longer than is strictly necessary. We have established policies on the elimination of personal and identifying data and you can request the deletion of the data. If you want to cancel your subscription to our newsletter, you can do so easily from the cancellation link at the end of the received newsletter.
Contact us if you want us to delete your personal data from our systems: admin@riverschoolnyack.com
The email address appears to be incorrect. Please check the address or enter a new one.
Security policy
When you visit the Hooly Loans website, you do so anonymously. On our website you will find a loan calculator, which allows you to perform simple credit calculations. We cannot visualize or use these calculations.
cookies
We do not collect personal data without notifying you. However, we use cookies, which are small text files that the browser saves on your computer's hard drive. Cookies inform us about data such as your email, or other personal data.
We use cookies only to analyze data related to the use of our website, such as the pages visited, the duration of user sessions, etc. We need this data to be able to assess the usefulness of our website and to improve its quality. This improves the quality of the services we offer to our clients. Read in more detail our rules on the use of cookies.
Limitation of liability
Hooly Loans is not responsible for the topicality, validity and quality of the information offered on this website. Therefore, any claim for compensation related to the information provided is rejected, including all data that may be incomplete or erroneous, or damages that may have been caused.
The offers are not binding, nor do they entail additional obligations. Parts of the page or the entire publication, which includes all offers and data, may be expanded, modified or partially or completely eliminated by Hooly Loans without any additional notice. The website may contain erroneous data and / or spelling errors.
References and hyperlinks
Hooly Loans is not responsible for the content linked or referred to on these pages. If the use of the data presented causes damage, the responsibility will not be with Hooly Loans, but with the person who has entered said page by clicking on it.
Hooly Loans is not responsible for the comments or messages published by the users of the website.
Copyright
Hooly Loans will not use any copyrighted material in the publication. In the event that this is not possible, Hooly Loans will notify you of what happened.
The copyright of all the material produced is owned by Hooly Loans. Copying or using any object such as images, graphics, sound or text is prohibited without the consent of Solicita24.
Data protection policy
In case of providing personal or company data (for example when applying for a loan), these data are provided voluntarily.
The user who sends spam or spam will be reported.
The validity of this prohibition
This prohibition and the statement of disclaimer should be understood as an integral part of the online publication from which it has been transferred to you here. If a paragraph or individual parts of this text are illegal or wrong, they will have no effect on the rest.
The names of credit providers or brands that may be mentioned on this website are the property of their owners.
Dispute resolution
Possible disputes, which originate from this website, the declaration of disclaimer or a possible email sent by Hooly Loans or its employees and on which it is not possible to reach an agreement, will be resolved in the Finnish courts according to the laws of Finland.
Explanatory document for registration
1. Entity responsible for maintaining the registry
Draivi Media Oy, company code FI-24645516, PL 215, 00101 Helsinki, Finland
2. Person responsible for issues related to the registry
Oula Lehtinen Email: admin@riverschoolnyack.com Address: Draivi Media Oy, PL 215, 00101 Helsinki, Finland
3. Registry name
Customer registration and marketing Request24.
4. Usefulness of the management of personal data (usefulness of the registry)
The registry is used with the consent of the client and after having requested the services of the company for their recognition and identification within the online service Hooly Loans, where the client can leave their request and receive offers of credit products and other financial products from collaborators of Hooly Loans. Likewise, the registry is used to respond to the obligations of storage, reporting and response to requests for information based on the legislation and on the orders and instructions of the authorities.
The personal data from the registry may also be used for direct marketing purposes of the services of the entity that maintains the registry, within the limits allowed by law.
The personal data of the registry is also used to manage the customer service of Hooly Loans, to manage the relationship with the client and possible claims, as well as to carry out an internal analysis of marketing and clients and market research.
The personal data from the registry can also be used to modify our electronic services according to the profile of each client on our different web pages (such as, for example, riverschoolnyack.com).
The personal data from the registry may also be used to develop Draivi Media Oy's own business. If you do not provide the data marked as mandatory, Hooly Loans could not provide its services.
Some Hooly Loans services may require certain special conditions for the management of personal data. The user is informed about them, and authorization is requested in this regard during the use of the service.
5. Informative content of the registry
The register contains data on applicants and customers, as well as on recipients of marketing of the products, grouped as follows:
5.1 Data related to the identity of the applicant
- Name and surname. - Home. - Telephone numbers. - Email. - Nationality. - Data about income. - Working relationships. - Direct marketing permits and refusals. - Comments and claims made by the client. - The IP address and cookies of the device used by the client. - Additional information provided by the same client on topics relevant to the services of the entity that maintains the registry.
5.2 Data related to the identity of the person receiving direct marketing and other marketing actions
- Name and surname. - Home. - Telephone numbers. - Email. - Direct marketing permits and refusals.
6. Sources of information in accordance with the registry regulations
In the registry, user data is collected at the start of the relationship with the client, as well as during the same. Personal data is collected:
- Requesting them from the registered person and while they are using different Draivi Media Oy web pages.
7. Data delivery
Draivi Media Oy can deliver data only within the limits allowed by law. The data to be delivered will be, at most, the following:
- In the event of an investigation by the authorities, all the data required by them will be delivered.
For greater clarity, it is stated that both Draivi Media Oy staff and external persons employed by it have the obligation to maintain professional secrecy regarding all data related to customers.
8. Transfer of data outside the EEA
Draivi Media Oy does not transfer personal data outside the European Economic Area (EEA), not even in electronic format.
9. Registry protection
The use of the personal data registry is organized by the entity that maintains the registry, in such a way that access to it is restricted to employees, who due to the nature of their work have permission to access it and can access it. to the personal data of the registry, registered physically or in different computer systems. The entity that maintains the registry organizes the access control, lockdown and alarm system in its offices. Computer systems are protected from malicious programs with protection software, firewalls, user management and other modern tools. The personnel of the entity that keeps the registry receives training for the correct management of personal data. Likewise, the entity that maintains the registry has a current internal policy and guidelines on the correct management of personal data.
Through bidding contracts, the entities, which handle personal data on behalf of the entity responsible for keeping the record, are obliged to protect personal data in the same way.
On the website the information is protected with an SSL connection in secret code, and with an encryption when transferring the data.
10. Right of rejection of the registered person
The registrant has the right to refuse that the entity keeping the record manages their data for direct marketing, distance selling and other direct marketing purposes and market research and surveys.
11. Right of the registered person to the verification, modification of their data and period of conservation of these
The registered person has the right to verify the data that has been saved about him in the personal data register, as well as to have a copy of them as observed by law.
At the end of the customer relationship, the data is deleted from the registry when it is no longer necessary, or at the latest at the end of the period required by law. The entity that maintains the registry corrects, eliminates or completes, on its own initiative or at the request of the registered person, as established by law, the personal data registered for the management that are erroneous, unnecessary, incomplete or expired.
To exercise their right of rejection or verification and to correct the data, the registered person must contact the person responsible for the registry.
Explanatory document on data protection Request24
Hooly Loans is an online service owned and managed by Draivi Media Oy. Draivi Media Oy is committed to protecting the privacy of the users of the website riverschoolnyack.com in accordance with the General Data Protection Regulation law and other applicable legislation.
The intention of this explanatory data protection document ("Explanatory data protection document") is to explain to you what type of information we collect about the users of our Website ("user", "you"), how we use said information , and how we deliver it to third parties. In the explanatory document on data protection we also explain our policy of use of cookies on our website, as well as on the pages of third parties. Read the Data Protection Explanatory Document carefully. By using the Website, you accept the management of your personal data in accordance with the Explanatory Data Protection Document.
Here you can find the explanatory document of the registration of personal data of our company: Explanatory document of the registration
1. Data collected and sources of normative information
We collect personal data from users when they use the Website, for example when registering on it, during customer service procedures and also directly from the user in all other cases. Furthermore, with the help of cookies and other techniques described below, we can collect information about how the user uses the Website and our services.
The personal data that we collect about users when they use the Website includes the data necessary for the management of personal data. We may collect, for example, the following data:
• Contact information, such as name, address, delivery address (if different from address), telephone number and email address
• Registration data, such as username, password or other identifying information
• Date of birth, gender
• Data identifying the profile and interests provided by the user
• Data related to the use of the Website and our services, and the user's customer relationship, such as data on claims, order data
• Data related to direct marketing permits and denials
• Other possible data collected with the user's permission
In the event that you use an external service, maintained by a third party, to register and / or register on the Website, the personal data available (such as user and email address) may be collected from the external service according to the conditions of use and the privacy protection decrees of said Website.
2. Personal data
We can manage your personal data for the following uses:
• communication related to the Website, customer relationship management;
• production, proportion, development, improvement and protection of the Website and the services;
• personalization of the Website for each user, and personalization of advertising;
• analysis and statistics on the Website;
• Market research and direct marketing in accordance with the law on data protection and the law on data protection in electronic communication;
• prevention and investigation of abuse;
• protection of rights and / or property related to the Website; Y
• other possible similar uses.
3. Cookies policy
Cookies used on the Website
On the Website we collect information about the user's device with the help of cookies and other similar techniques.
The cookie is normally a small text file that your Internet browser saves on your device to identify the user, and to identify him again. Thanks to cookies we can identify your browser and use the data collected in this way, for example, to count the number of browsers that visit our Website and to analyze the use of our page for statistics. Thus, our intention is to improve our services so that they are more useful for our users.
With the help of cookies we can collect, among others, the following information:
• the user's IP address;
• The time;
• the pages used and the time spent on each one;
• type of browser, operating system of your device;
• from which Internet address the user came to the Website, to which address they went after using the Website; Y
• from which server and from which domain the user comes to the Website.
The Website may also contain third-party cookies, such as measurement and monitoring services. Third parties can install cookies on your device when you are visiting our Website.
Cookies on third party web pages
In addition to the cookies used on our Website, cookies are also used to personalize our own advertising on third-party websites. We collaborate with companies specialized in online marketing technologies. With the information collected with the help of these partners' cookies and other techniques, our advertisements can be targeted to network users who are most likely to be interested in them based on their previous online behavior and other factors. Thus, the information collected from pages external to our Website can also be used to personalize advertising.
In addition, both our collaborators and we can collect information about the effectiveness of the advertising we have sent. For this purpose we may collect for example the following information:
• information about how many times a certain ad has been shown in the browser;
• information on whether the ad has been opened; and
• information on whether the opening of the advertisement led to the purchase of the product in the online store.
Refusal of the use of cookies and direct marketing
If you want, you can control yourself to what extent you consent to the use of cookies and the personalization of advertising.
You can reject the use of cookies by modifying your browser settings. Keep in mind that, as a consequence of the rejection of cookies, you may not have access to all the functionalities of the Website.
In case you do not want the advertising to be personalized according to your topics of interest, you can reject it through the link that you will find below. After rejecting the advertising customization, you will be shown as many ads as before, only they will not be filtered according to your topics of interest.
You can reject the personalization of advertising here: http://www.youronlinechoices.com/es/preferences/.
4. Regulated data deliveries
We can deliver your personal data for justified uses in accordance with current legislation on personal data protection. a) The data that you have provided through the Website can be delivered to entities belonging to the following groups:
• a proveedores de servicios, como por ejemplo el proveedor del servicio de pagos, los cuales participan de nuestra Página web y servicios; • a las autoridades, en caso de que la ley o nuestros intereses o los de un tercero lo requieran; • a empresas filiales y asociadas u otras empresas que pertenezcan al mismo grupo o conglomerado económico que nosotros, o al nuevo propietario o propietario parcial de la Página web o personal de prácticas, así como asesores en el momento de una adquisición o fusión.
b) Los datos recopilados a través de un procesamiento automático de datos se pueden entregar a entidades pertenecientes a los siguientes grupos:
• a proveedores de servicios, como por ejemplo, empresas especializadas en análisis de datos y marketing online • a las autoridades, en caso de que la ley o nuestros intereses o los de un tercero lo requieran; • a empresas filiales y asociadas u otras empresas que pertenezcan al mismo grupo o conglomerado económico que nosotros, o al nuevo propietario o propietario parcial de la Página web o personal de prácticas, así como asesores en el momento de una adquisición o fusión.
Además, los datos se pueden entregar a terceros en un formato que no permite la identificación de usuarios individuales, en cuyo caso no se trataría de datos personales.
Nuestra Página web puede contener hipervínculos mantenidos por terceros. No nos hacemos responsables de los contenidos de las páginas web de este tipo, ni de sus políticas de protección de privacidad. Recomendamos que leas con atención las condiciones de protección de privacidad de cada página.
6. Política de protección de datos personales
Utilizamos los medios de seguridad necesarios, tanto técnicos como organizacionales para proteger los datos personales de un acceso no autorizado o desaparición de los mismos por error o ilegalmente, de modificación, de entrega u otro uso ilegal.
7. Tus derechos y posibilidades de tomar medidas
Tienes derecho a verificar los datos que tenemos sobre ti en nuestro registro, derecho a reclamar la modificación de un dato erróneo, derecho a gestionar tus datos personales para fines de marketing directo y en todo caso, a apoyarte en los derechos que se te garantizan en la ley de datos personales.
Bajo petición corregimos, eliminamos o completamos los datos personales que para su gestión resulten erróneos, inútiles, incompletos o caducados. Puedes ejercer los derechos anteriormente mencionados contactando con nuestra atención al cliente en admin@riverschoolnyack.com. Al ejercer tu derecho de verificación, puede cobrarse un importe razonable por la entrega de datos si hace menos de un año de la última vez que al usuario se le habían entregado los datos del registro para su verificación.
8. Las modificaciones al Documento explicativo de protección de datos
Nos reservamos el derecho a modificar este Documento explicativo de protección de datos avisando de ello en la Página web. Recomendamos que leas el Documento explicativo de protección de datos con regularidad.
9. Contacto
La entidad que lleva el registro de los datos personales que hemos recopilado es Draivi Media Oy.
Para las preguntas relacionadas con el presente Documento explicativo de protección de datos pueden dirigirse a nuestra persona de contacto:
Persona de contacto: Oula Lehtinen Correo electrónico: admin@riverschoolnyack.com Dirección: Draivi Media Oy, PL 215, 00101 Helsinki, Finland
Las cookies
Hooly Loans utiliza cookies, pero no registra ningún dato sobre ti o datos con los que se te pudiera relacionar. Así que, de ningún modo nos es posible mediante estas cookies recoger ajustes adicionales a los que tú ya hayas escogido.
¿Qué son las cookies?
Las cookies son un pequeño archivo de texto que se guarda en el ordenador y contiene datos. Las cookies se utilizan para el funcionamiento de la página web por razones puramente técnicas, como por ejemplo para la navegación y tratamiento de formularios.
Dos tipos de cookies
Existen dos tipos de cookies: persistentes y temporales (llamadas de sesión). La cookie persistente se guarda en el ordenador del usuario por un tiempo determinado, mientras la temporal se conserva solo hasta el cierre del navegador.
Persistent cookies
Las cookies persistentes se utilizan por ejemplo para personalizar la página de acuerdo a tus preferencias. Así, no necesitas hacerlo tú cada vez que visitas la página.
Cookies temporales (de sesión)
Las cookies temporales se utilizan por ejemplo para tratar datos de registro, para moverte por la página, para el carrito de la compra, etc.
Ajustes
Puedes modificar los ajustes de modo que se te pregunte siempre si deseas autorizar el uso de las cookies en el momento en que accedas a la página web.
Internet Explorer: Herramientas –> Ajustes de Internet –> Protección de datos –> Información adicional
Chrome: Ajustes–> Muestra ajustes adicionales–> Ajustes de contenido
Mozilla Firefox: Herramientas–> Ajustes –> [Protección de datos]
