Terms of Service

1. Acceptance of terms

By accessing or using the PRA Group Deutschland GmbH website ("the Site"), operated from Landfermannstraße 6, 47051 Duisburg, Deutschland, you agree to be bound by these Terms of Service. If you do not agree, please do not use the Site.

2. Informational purpose only

The Site publishes general information about credit recovery and non-performing loan (NPL) management for educational purposes. The Site does not offer any paid products, subscriptions, or services. Nothing on the Site constitutes legal, financial, tax, or debt-settlement advice, and content should not be relied upon as a substitute for advice from a qualified professional familiar with your specific circumstances.

3. No professional relationship

Using this Site, submitting a contact form, or corresponding with us by email or phone does not create a client relationship, advisory relationship, or any form of engagement between you and PRA Group Deutschland GmbH.

4. Accuracy of content

We aim to keep content accurate and up to date, but we make no warranty, express or implied, regarding the completeness, reliability, or accuracy of any information on the Site. Laws, regulations, and industry practices referenced on the Site vary by jurisdiction and change over time.

5. Acceptable use

You agree not to:

• Use the Site for any unlawful purpose or in violation of these Terms;
• Attempt to gain unauthorized access to the Site, its servers, or related systems;
• Introduce malicious code or interfere with the normal operation of the Site;
• Scrape or harvest content from the Site for commercial redistribution without our prior written consent;
• Submit false, misleading, or abusive content through the contact form.

6. Intellectual property

The text, layout, graphics, and other original content on the Site are owned by PRA Group Deutschland GmbH or licensed to us, and are protected by applicable intellectual property laws. Photographs used on the Site are sourced under free-to-use licenses from their respective platforms and remain the property of their original creators. You may view and share content for personal, non-commercial reference, but may not reproduce substantial portions without permission.

7. Third-party links

The Site may reference or link to third-party resources for context. We do not control and are not responsible for the content, accuracy, or practices of any third-party sites.

8. No fees

PRA Group Deutschland GmbH does not charge any fee for access to this Site or for any communication conducted through it. If anyone represents themselves as being affiliated with PRA Group Deutschland GmbH and requests payment, please contact us immediately using the details on our Contact page.

9. Limitation of liability

To the fullest extent permitted by law, PRA Group Deutschland GmbH shall not be liable for any indirect, incidental, or consequential damages arising from your use of, or inability to use, the Site or its content.

10. Changes to these terms

We may revise these Terms of Service from time to time. Continued use of the Site after changes are posted constitutes acceptance of the revised terms.

11. Governing law

These Terms are governed by the laws of Germany, without regard to its conflict-of-law provisions, without prejudice to any mandatory consumer-protection rights you may have under the law of your country of residence.

12. Contact

Questions about these Terms can be sent to:

PRA Group Deutschland GmbH
Landfermannstraße 6, 47051 Duisburg, Deutschland
Email: support@pragroup.ltd
Phone: +49 203 2892 6150