{"id":847,"date":"2020-07-10T15:25:35","date_gmt":"2020-07-10T15:25:35","guid":{"rendered":"https:\/\/creditosi.wpengine.com\/?page_id=847"},"modified":"2025-05-30T06:27:21","modified_gmt":"2025-05-30T06:27:21","slug":"codigo-etico","status":"publish","type":"page","link":"https:\/\/avafin.com.es\/ca\/codigo-etico","title":{"rendered":"Codi \u00c8tic"},"content":{"rendered":"<h2 class=\"wp-block-heading\">La nostra missi\u00f3<\/h2>\n\n\n\n<p><em>T&#039;ensenyem els pilars de la nostra filosofia.<\/em><\/p>\n\n\n\n<p>A Avafin.es volem ser la&nbsp;<strong>soluci\u00f3 a curt i mitj\u00e0 termini<\/strong>&nbsp;per als petits imprevistos de la teva vida.<\/p>\n\n\n\n<p>Tu ets molt important per a nosaltres i&nbsp;<strong>ajudar-te de forma responsable<\/strong>&nbsp;\u00e9s el nostre objectiu.<\/p>\n\n\n\n<p>A continuaci\u00f3 et presentem les bases del nostre codi \u00e8tic, el qual \u00e9s&nbsp;<strong>l&#039;eix de totes les parts de la nostra empresa<\/strong>&nbsp;i es basa en tres pilars fonamentals:<\/p>\n\n\n\n<div class=\"wp-block-columns alignwide is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:5%\">\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"50\" height=\"50\" src=\"https:\/\/creditosi.wpengine.com\/wp-content\/uploads\/2020\/07\/checkmark.png\" alt=\"\" class=\"wp-image-844\"\/><\/figure>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:95%\">\n<p><strong>Ser responsables amb els nostres cr\u00e8dits<\/strong><\/p>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-columns alignwide is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:5%\">\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"50\" height=\"50\" src=\"https:\/\/creditosi.wpengine.com\/wp-content\/uploads\/2020\/07\/checkmark.png\" alt=\"\" class=\"wp-image-844\"\/><\/figure>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:95%\">\n<p><strong>Ser transparents al tracte amb el client<\/strong><\/p>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-columns alignwide is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:5%\">\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"50\" height=\"50\" src=\"https:\/\/creditosi.wpengine.com\/wp-content\/uploads\/2020\/07\/checkmark.png\" alt=\"\" class=\"wp-image-844\"\/><\/figure>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:95%\">\n<p><strong>Ser justos<\/strong><\/p>\n<\/div>\n<\/div>\n\n\n\n<p>Aquests pilars es veuen clarament a&nbsp;<strong>la nostra web<\/strong>:&nbsp;<em>mostrant-te la informaci\u00f3 de forma clara i senzilla, explicant-te cada pas i ensenyant-te en tot moment els costos, els honoraris i les condicions, utilitzant amb un llenguatge clar i f\u00e0cil d&#039;entendre.<\/em><\/p>\n\n\n\n<p>Al nostre servei de&nbsp;<strong>atenci\u00f3 al client<\/strong>:&nbsp;<em>Sent responsables a l&#039;hora d&#039;aprovar els cr\u00e8dits, transparents, amables i sincers en el tracte amb el client, i sent sempre justos.<\/em><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Principis<\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Mai no ser\u00e0s incitat<\/strong>&nbsp;a sol\u00b7licitar m\u00e9s de la quantitat que realment necessites.<\/li>\n\n\n\n<li><strong>Descrivim el nostre servei de manera clara<\/strong>&nbsp;en tot moment i sempre serem&nbsp;<strong>honestos amb tu<\/strong>, comunicant-te les despeses del teu cr\u00e8dit per avan\u00e7at aix\u00ed com qualsevol altra informaci\u00f3 que necessitis.<\/li>\n\n\n\n<li>Mai et permetrem sol\u00b7licitar m\u00e9s de&nbsp;<strong>300 \u20ac<\/strong>&nbsp;per primera vegada.<\/li>\n\n\n\n<li><strong>No tenim despeses ocultes<\/strong>, i explicarem clarament les despeses de gesti\u00f3 del pr\u00e9stec en cas de demora o impagament i les accions pertinents a la nostra pol\u00edtica d&#039;empresa.<\/li>\n\n\n\n<li><strong>Mai no augmentarem o canviarem els nostres costos<\/strong>&nbsp;durant la durada del servei.<\/li>\n\n\n\n<li>Treballem amb un sistema de gesti\u00f3 de cr\u00e8dits molt avan\u00e7at, analitzarem tamb\u00e9&nbsp;<strong>el responsable que has estat en fer servir el nostre servei<\/strong>&nbsp;en el passat.<\/li>\n\n\n\n<li>Utilitzem tota la informaci\u00f3 que ens proporciones i la informaci\u00f3 de domini p\u00fablic per prendre la millor decisi\u00f3 a l&#039;hora d&#039;oferir-te el cr\u00e8dit, basant-nos en les teves circumst\u00e0ncies i la teva capacitat financera, que afecten el teu&nbsp;<strong>possibilitat de devoluci\u00f3.<\/strong><\/li>\n\n\n\n<li><strong>Som conscients que les circumst\u00e0ncies poden canviar<\/strong>, aix\u00ed que si tornes a utilitzar els nostres serveis en el futur, basarem la nostra decisi\u00f3 en una revisi\u00f3 de la teva situaci\u00f3 actual usant els nostres sistemes automatitzats. Pot ser que us deneguem una futura sol\u00b7licitud i ens reservem el dret de fer-ho, per l&#039;inter\u00e8s d&#039;ambdues parts.<\/li>\n\n\n\n<li><strong>Sempre t&#039;animarem perqu\u00e8 liquidis el teu deute en el termini establert<\/strong>&nbsp;i sempre mantindrem el contacte amb tu:&nbsp;<em>enviant-te informaci\u00f3 i recordatoris del teu comprom\u00eds de pagament, la quantitat pendent i la data de finalitzaci\u00f3 del teu cr\u00e8dit.<\/em><\/li>\n\n\n\n<li><strong>Sempre estem disponibles per a tu<\/strong>\u00a0durant el nostre horari d&#039;oficina de\u00a0<strong>dilluns a divendres de 09:00 a 19:00 i els dissabtes de 09:00 a 17:00<\/strong>. Pots contactar-nos en qualsevol moment a trav\u00e9s del\u00a0<strong>xat online<\/strong>\u00a0de la nostra web, del\u00a0<a href=\"mailto:info@avafin.es\">correu electr\u00f2nic<\/a>\u00a0o per\u00a0<strong>tel\u00e8fon<\/strong>\u00a0al\u00a0<strong>930 185 200<\/strong>.<\/li>\n\n\n\n<li>Si tens algun dubte o queixa intentarem resoldre-ho r\u00e0pidament en un&nbsp;<strong>termini m\u00e0xim de 48 hores h\u00e0bils<\/strong>.<\/li>\n\n\n\n<li>Nom\u00e9s estenem el termini del teu pr\u00e9stec si ens ho sol\u00b7licites i quan considerem que \u00e9s del teu inter\u00e8s, basant-nos en les teves circumst\u00e0ncies financeres. Sempre t&#039;explicarem clarament els costos addicionals d&#039;aquesta extensi\u00f3 i et sol\u00b7licitarem el pagament dels interessos del cr\u00e8dit vigent abans de fer-la efectiva. Aquesta extensi\u00f3 tindr\u00e0 una durada m\u00e0xima de&nbsp;<strong>30 dies addicionals<\/strong>&nbsp;a la durada del microcr\u00e8dit inicial.<\/li>\n\n\n\n<li>Si la teva situaci\u00f3 financera canvia,&nbsp;<strong>sempre ser\u00e0s tractat de la mateixa manera i amb el mateix respecte.<\/strong><\/li>\n\n\n\n<li>Sempre ens assegurarem que qualsevol tercer que treballi amb nosaltres&nbsp;<strong>compleixi estrictament la nostra pol\u00edtica d&#039;empresa i el nostre codi \u00e8tic.<\/strong><\/li>\n<\/ul>\n\n\n\n<div style=\"height:32px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p><\/p>","protected":false},"excerpt":{"rendered":"<p>Nuestra misi\u00f3n Te ense\u00f1amos los pilares de nuestra filosof\u00eda. En Avafin.es queremos ser la&nbsp;soluci\u00f3n a corto y medio plazo&nbsp;para los peque\u00f1os imprevistos de tu vida. T\u00fa eres muy importante para nosotros y&nbsp;ayudarte de forma responsable&nbsp;es nuestro objetivo. A continuaci\u00f3n te presentamos las bases de nuestro c\u00f3digo \u00e9tico, el cual es&nbsp;el eje de todas las partes [&hellip;]<\/p>\n","protected":false},"author":5,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"footnotes":""},"class_list":["post-847","page","type-page","status-publish","hentry"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.9 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Nuestro c\u00f3digo \u00e9tico | CreditoSi Espa\u00f1a<\/title>\n<meta name=\"description\" content=\"Te ense\u00f1amos los pilares de nuestra filosof\u00eda.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/avafin.com.es\/ca\/codigo-etico\/\" \/>\n<meta property=\"og:locale\" content=\"ca_ES\" \/>\n<meta property=\"og:type\" 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