Privacy Policy

Terms of Use (this "Agreement") was last updated on July 11, 2025.

By accessing this website, you, the user, agree to be bound by the terms and conditions outlined below regarding the use of the website. The site, along with its features, tools, and services (the "Site"), is a proprietary service operated and maintained by DVM Credit-Team, Inc. ("DVM Credit"). This Terms of Use Agreement (the "Agreement") sets forth the terms under which DVM Credit allows you to use the Site, and you must accept these terms in order to use it. Your use of the Site constitutes your acceptance of the terms in this Agreement. If you do not agree with these terms, you must immediately leave the Site and refrain from using it in the future.

Users

This Site may be used by you either in an individual capacity or as a representative of a business entity. The Site is available only to individuals who have reached the age of majority and who are legally capable of entering into binding agreements under applicable law. By using the Site, you represent and warrant that you meet these requirements. You are solely responsible for all activities conducted under or in connection with your account. Each user is fully responsible for their transmissions.

Prohibited Use

You agree not to use the Site:
(i) in any manner prohibited by law or regulation, or to facilitate the violation of any law or regulation;
(ii) to violate the privacy of others;
(iii) to infringe, plagiarize, or misappropriate the intellectual property or contractual rights of any party in connection with your use of the Site;
(iv) to transmit unlawful, fraudulent, offensive, obscene, pornographic, defamatory, abusive, threatening, discriminatory, or otherwise objectionable content; or
(v) to promote conduct that could result in civil liability in any form.

You further agree not to:
(i) breach or aid in breaching the security of the Site, whether intentionally, negligently, or otherwise;
(ii) impersonate DVM Credit personnel or any other person or organization;
(iii) use any electronic communications, devices, software, or routines that may degrade, disrupt, or place an unreasonable burden on the Site or DVM Credit;
(iv) intercept or seize any system, data, or information from the Site; or
(v) resell, transfer, or sublicense your right to use the Site, in whole or in part.

You agree to provide accurate, truthful, and complete information about yourself and to update such information as necessary. You acknowledge that DVM Credit staff may access your Site records as reasonably needed for complaint investigation or site maintenance.

Proprietary Materials

All content included on this website is the property of VM Invest and is protected by copyright laws of Bulgaria and/or other applicable intellectual property laws in Bulgaria and elsewhere. You may not modify, distribute, reproduce, publish, transmit, or create derivative works from any materials on this Site for public or commercial purposes.

You may download a copy of materials from this Site to a single computer for personal, non-commercial home use, provided that you do not remove any copyright, trademark, or other proprietary notices from the downloaded materials without prior written permission from DVM Credit.

DVM Credit’s trademarks, service names, graphics, logos, images, page titles, button icons, and scripts are trademarks, service marks, or trade dress of DVM Credit in Bulgaria and/or other countries. These trademarks and trade dress may not be used in connection with any product or service not offered by DVM Credit, or in any manner likely to cause confusion among consumers, or in any manner that discredits or harms DVM Credit.

All other trademarks not owned by DVM Credit that appear on this Site are the property of their respective owners, who may or may not be affiliated with, connected to, or sponsored by DVM Credit.