General Terms of Go & Grow (effective as of 01.04.2025)

  1. DEFINITIONS AND REFERENCES

    1. Terms used in the General Terms of Go & Grow have the respective meanings as defined in this Section 1 of the General Terms of Go&Grow and/or in the Bondora Capital Terms of Use. The Bondora Capital Terms of Use shall apply to the GG-Agreement unless otherwise stated herein. In the event of any ambiguity or conflict between the General Terms of Go & Grow and the Bondora Capital Terms of Use, the terms of the General Terms of Go & Grow shall prevail.
      1. Adjusted Value – the GG-Value after appropriate provisions (if required) to meet the criteria prescribed in Section 7.3.2.2.
      2. GG-Account – a Portal Account designated solely for use under the GG-Agreement.
      3. GG-Agreement – the Go & Grow Agreement concluded between the Company and the GG-User in accordance to the General Terms of the Go & Grow.
      4. GG-Claim – the Claim acquired by GG-User or the Company under the GG-Agreement or allocated as such under the GG-Agreement. The composition of the GG-Claim is published on the Portal.
      5. GG-Price – the aggregate Purchase Price to be paid by the Company to the GG-User for the acquisition of all or a particular portion of the GG-User’s GG-Claims.
      6. GG-Sale Agreement – an assignment agreement concluded through the Portal between the GG-User as the assignor of its GG-Claims and the Company as the acquirer of the GG-Claims on the terms and conditions set forth in the GG-Agreement.
      7. GG-User – the User who is using GG-Account under the GG-Agreement, including the User who has acquired or made an offer to acquire the GG-Claim.
      8. GG-Value – the value of all assets linked to all GG-Accounts that is calculated in accordance with Section 7.3.1.
    2. Any reference to any Section in the GG-Agreement shall refer to such Section or Subsection of the General Terms of Go & Grow, unless otherwise stated herein.

  2. ENTRY INTO THE GG-AGREEMENT

    The GG-Agreement is legally binding and shall be considered concluded between the Company and the GG-User as of the date when the GG-Agreement along with the respective General Terms of Go & Grow are digitally approved by the GG-User.

  3. THE GG-ACCOUNT

    1. Opening of the GG-Account. The Company shall establish a GG-Account for the GG-User immediately after the GG-User has approved the GG-Agreement in accordance with Section 2 of General Terms of Go & Grow.
    2. Allocation of funds to the GG-Account. In order to acquire GG-Claims, funds shall be allocated to the GG-Account in one or more of the following ways:
      1. Immediately after the GG-User has approved the GG-Agreement, the Company shall transfer any funds from the GG-User’s Portal Account automatically to the GG-Account as soon as such funds are available, including, without limitation, any funds received from other Claims belonging to the GG-User.
      2. The GG-User may at any time pay additional funds to the Portal Account by making a payment to the Current Account of Portal from the current account of the GG-User by using the GG-Account number as a reference, which will be automatically transferred to the GG-User’s GG-Account.
    3. Acquisition of Claims. The GG-User may acquire an unlimited amount of GG-Claims to the GG-Account, unless the Company has informed the GG-User otherwise, however, the maximum rate of return from the sale of GG-Claims will depend on the amount of the funds allocated as per Section 7.3.2.3.
    4. Safekeeping of the funds. Any funds allocated to the GG-Account in accordance with Section 3.2., or generated by the sale of GG-Claims shall be kept on the Current Account of Portal (for the performance of the mandate for the purposes of § 626 of the Law of Obligations Act).
    5. Use of the funds. Any funds allocated to the GG-Account in accordance with Section 3.2. shall be used solely for acquiring additional GG-Claims in accordance with Section 5. The Company cannot guarantee that all funds allocated to the GG-Account are entirely invested in the Claims at all times.

  4. INCLUSION OF EXISTING CLAIMS IN THE GG-CLAIMS

    1. Instructions for inclusion. Each time the GG-User wishes to include Claims otherwise acquired by the GG-User via the Portal in their GG-Claims, the GG-User shall give the Company such an instruction using the respective application of the Portal.
    2. Conditions of inclusion. By instructing the Company to include the existing Claims in the GG-Claims, the GG-User agrees that the existing Claims shall be included in the GG-Claims only as follows and provided that the GG-User accepts the value of such Claims as determined by the Company:
      1. in case the GG-User has sold less than 25% of the Claims acquired by using the Portfolio Manager, the entire portfolio of the existing Claims acquired by using the Portfolio Manager shall be included in the GG-Claims;
      2. in case the GG-User has sold at least 25% of the Claims acquired by using the Portfolio Manager, only the Claims that comply with Section 4.2.3 shall be included in the GG-Claims;
      3. in addition to Claims included under Section 4.2.1, all Claims with no collectible, but unpaid indebtedness (i.e. the Borrower is not overdue) shall be included in the GG-Claims.
    3. Changing the conditions of inclusion. The Company may change the requirements applicable to existing Claims that are eligible for inclusion in the GG-Claims under Section 4.2 by giving the GG-User prior notice of at least 7 calendar days via the Portal.
    4. Value of the included Claims. The aggregate value of the Claims referred to in Sections 4.2.1-4.2.3 shall be proposed and indicated to the GG-User in the Portal before confirming the inclusion of the Claims in the GG-Claims. If the GG-User does not agree with the valuation of the Claims, the GG-User may cancel the inclusion. The GG-User accepts that the final GG-Price, which the GG-User may demand under Section 7, may be smaller than the value indicated under this Section upon the inclusion of the Claims in the GG-Claims.

  5. ACQUISITION OF NEW GG-CLAIMS

    1. The Tender Offer for acquisition. The GG-User hereby and each time any funds are allocated to the GG-Account places a Tender Offer to use such funds to acquire GG-Claims for the GG-User from the Company. The Tender Offer is a binding offer to the Company to acquire in the following order:
      1. firstly, a portion of existing GG-Claims which have become available for purchase as a result of another GG-User fully or partially demanding payment for their GG-Claims. Such portion shall be determined pro rata to the value of the following assets compared to the Adjusted Value:
        1. the GG-Claims of the GG-User,
        2. the GG-Claims acquired by the Company for the proceeds of the GG-User’s GG-Claims and
        3. the proceeds of the GG-Claims received by the Company for the GG-Claims referred to in Sections 5.1.1.1-5.1.1.2 which at the time have not been used to acquire additional GG-Claims.

        In this case the Purchase Price of such GG-Claims is a portion of the GG-Price (to be paid to the other GG-User by the Company) determined pro rata to the value of such assets compared to the Adjusted Value;

      2. secondly, the Claims (i) with a Purchase Price which is smaller or equal to the outstanding principal amount of the Claim, (ii) with no collectible, but unpaid indebtedness at the time of acquisition and (iii) which at the time of acquisition meet at least one of the following criteria:
        1. the Loan from which the Claim arises was issued by the Creditor in the ordinary course of its business; or
        2. the Claim has been offered for acquisition via the Portal, including the Bondora API.
      3. The Company may change the conditions set out in Section 5.1.1 and Section
      4. by giving the GG-User prior notice of at least 7 calendar days via the Portal.
    2. Validity of the Tender Offer. The Tender Offer is placed as soon as funds are allocated to the GG-Account and shall be valid until such funds have been used in full to acquire the GG-Claims. The GG-User does not have the right to cancel the Tender Offer, however, the Tender Offer is cancelled in case the GG-User cancels the GG-Agreement.
    3. No information. No specific information about the Claims to be acquired by the GG-User will be made available to the GG-User, including without limitation, the personal data of the Borrower.
    4. Entry into the Assignment Agreement. After the completion of the Tender Management Process, a binding Assignment Agreement will enter into force between the GG-User and the Company who is selling the Claim to the GG-User.
    5. Terms of the Assignment Agreement. The Assignment Agreement between the GG-User as the acquirer and the Company as the assignor shall be concluded on the following terms and conditions (no separate document will be generated):
      1. the Claim shall be considered to be assigned from the Company to the GG-User immediately after the GG-User has fully paid the Purchase Price to the Company;
      2. upon the assignment of a Claim, the rights of the Company to payments arising from the Claim, including any existing indebtedness and rights related thereto, shall also be transferred to the GG-User. For the avoidance of doubt, the rights to payment of fees associated with the Creditor, e.g., agreement fee, service fee, and Debt Servicing Costs, remain with the Creditor and are not transferred to the GG-User. If the Company has acquired any rights to payment of fees associated with the Creditor, the Company has the right to assign all or any portion of those rights to the GG-User at its own discretion;
      3. the GG-User or the Company shall not inform the Borrower of the assignment of the Claim. The Company, or any person authorized by the Company (including but not limited to the person from whom the Claim was acquired), shall remain the creditor in relation to the Borrower, unless required otherwise by the creditor or the Company;
      4. by virtue of entering into the Assignment Agreement as described herein, the GG-User irrevocably authorizes the Company, together with the right to grant further authorizations, to service the Claim and the Loan Agreement from which the Claim arises in accordance with the Bondora Capital Terms of Use (including, without limitation, in accordance with Section 6 of the Bondora Capital Terms of Use) and this GG-Agreement.
    6. Payment of the Purchase Price. Following the conclusion of the Assignment Agreement, the funds allocated to the GG-User’s GG-Account shall be used for payment of the Purchase Price and crediting the Company’s GG-Account in the amount of the Purchase Price. The GG-User hereby irrevocably authorizes the Company to use the funds allocated to the GG-User’s GG-Account for crediting the Company’s GG-Account in the amount of the Purchase Price.

  6. LIMITATIONS

    1. General limitations regarding the GG-Account. The GG-User may not transfer, assign, encumber or otherwise dispose of the GG-Account or the assets, rights or obligations linked thereto individually or in whole, except for the sale of the GG-User’s GG-Claims in accordance with Section 7. The Company may refuse to execute any instruction from the GG-User or any other person which contradicts the restrictions prescribed in this Section or elsewhere in the GG-Agreement, unless otherwise prescribed by applicable law.
    2. Limitations on payments from the GG-Account. The GG-User may require payments from the GG-Account only to their personal bank account and only in case of demanding payment from the Company for the sale of the GG-User’s GG-Claims in accordance with Section 7. The GG-User may not require payments from the GG-Account in any other way.
    3. No individual disposal. The GG-User may not resell, assign or otherwise dispose of (in Estonian: käsutama) any individual GG-Claim. Disposal of the GG-Claims shall take place only in accordance with Section 7.
    4. Limited information. The Company shall keep records of the GG-Claims acquired and sold by the GG-User. However, as the GG-User may not dispose of the GG-Claims individually, the GG-Account shall not include information about the GG-Claims. The Company shall indicate on the GG-Account:
      1. the indicative GG-Price of all GG-Claims of the GG-User (calculated in accordance with Section 7.3) in case the GG-User would demand payment from the Company in accordance with Section 7.4 and the entire GG-Price would be paid before the next time the GG-Price is calculated;
      2. the existing GG-Claims which shall be taken into account to calculate the GG-Price to be paid to the GG-User in case the GG-User would demand payment from the Company in accordance with Section 7.4 and the entire GG-Price would be paid before the next time the GG-Price is calculated;
      3. any other information at the discretion of the Company (if any).

  7. SALE OF THE GG-CLAIMS

    1. Entry into the GG-Sale Agreement. At the moment the GG-User acquires any GG-Claim in accordance with Section 5 or includes any Claim in the GG-Claims in accordance with Section 4, a GG-Sale Agreement will enter into force in respect to such GG-Claim between the GG-User as the assignor and the Company as the acquirer.
    2. Terms of the GG-Sale Agreement. The GG-Sale Agreement between the GG-User and the Company shall be concluded on the following terms and conditions (no separate document will be generated):
      1. the title to the GG-Claim shall be considered to be assigned from the GG-User to the Company at the moment when the Company has paid the GG-Price to the GG-User in accordance with Sections 7.3.-7.7.;
      2. the rights of the GG-User to payment of the payable interest and interest on arrears, including debts related to interest and interest on arrears, shall be transferred to the Company as of the conclusion of the GG-Sale Agreement;
      3. as of the conclusion of the GG-Sale Agreement, the Company shall have the right to receive any payment made based on the GG-Claim on the Company’s GG-Account and use such amounts to acquire GG-Claims in its own name in accordance with Section 5.1, which shall be allocated to the Company’s GG-Account;
      4. the GG-User or the Company shall not inform the Borrower of the assignment of the GG-Claim. The Company, or any person authorized by the Company (including but not limited to the person from whom the Claim was acquired), shall remain the Creditor in relation to the Borrower, unless otherwise required by the Creditor or the Company;
      5. by virtue of entering into the GG-Sale Agreement as described herein, the GG-User irrevocably authorizes the Company or the Creditor to service the GG-Claim and the Loan Agreement of which the GG-Claim arises in accordance with the Bondora Capital Terms of Use and this GG-Agreement. Such authorization includes, but is not limited to, that if the GG-Claim in debt has not been fully paid by the day of default and the Company or the Creditor and the Borrower have not determined a new payment schedule, the Company or the Creditor has the right to assign or sell the GG-Claim to a third party. This power of attorney has been issued with the right of delegation of authority and it shall remain in force until the performance of all the obligations related to the Loan Agreements that serve as the basis for the GG-Claims.
    3. Calculation of the GG-Price. The Company shall calculate the GG-Price on the basis of the GG-Value and the Adjusted Value at least once a day as follows:
      1. Calculation of the GG-Value. The GG-Value is calculated by adding up the outstanding principal amounts of all GG-Claims that are receiving regular repayment and available funds linked to all GG-Accounts (which at the time have not been used to acquire additional GG-Claims), and deducting the sum of overdue payments of such principal amounts from GG-Claims not receiving regular repayments and write-offs (all as at the time of calculation);
      2. Calculation of the Adjusted Value. The Adjusted Value is thereafter calculated by provisioning the GG-Value so that the rate of return from using any GG-Account shall comply with both Sections 7.3.2.1 and 7.3.2.2:
        1. the rate of return from using the GG-Account is calculated daily using extended internal rate of return function where the inputs are (all as allocated across all GG-Accounts and aggregated for the previous day until end of such day):
          1. all funds allocated to GG-Accounts,
          2. the value of the Claims (as determined by the Company under Section 4.3) included on GG-Accounts under Section 4, and
          3. the GG-Prices paid out;
        2. the aggregate rate of return from using any GG-Account (calculated in accordance with Section 7.3.2.1) shall not, in any case, exceed:
          1. 6% per year based on the funds and the Claims accumulated by allocations to the GG-Account in accordance with Section 3.2.
            For the avoidance of doubt, the return in Section 7.3.2.2. is the maximum aggregate rate of returns, but no rate of return is guaranteed. The value of the Claims may change due to reasons not attributable to the Company or the Creditor, e.g., the Borrower’s inability to repay the Loan as agreed with the Creditor. For the avoidance of doubt, it is likely that all of the funds allocated to the GG-Account are not entirely invested in Claims at all times. Therefore, the actual rate of return as calculated in accordance with Section 7.3.2.2 may be lower than 6%.
      3. the Company calculates the ratio of the Adjusted Value compared to the GG-Value, both based on the previous calculation;
      4. the GG-Price is calculated by multiplying the aggregate value of (i) the GG-Claims of the GG-User, (ii) the GG-Claims acquired by the Company for the proceeds of the GG-User’s GG-Claims and (iii) the proceeds of the GG-Claims referred to in foregoing subsections (i) and (ii) received by the Company (which at the time have not been used to acquire additional GG-Claims) by the ratio calculated in accordance with Section 7.3.3.
    4. Right to require payment of the GG-Price. The GG-Price to be paid by the Company to the GG-User for its GG-Claims shall be determined at the last time of calculating the GG-Price before making the payment of the GG-Price or a respective portion of it. The GG-User may demand payment of the GG-Price only in full (for all of its GG-Claims) or a particular percentage thereof by using the respective application in the Portal (i.e. for a respective portion of all of its GG-Claims). In case the GG-User requires a partial payment of the GG-Price, the portion of the GG-Price is subject to the limitation as per Section 7.3.2.2. (if any) shall be paid out first. The GG-User is entitled to payment of the GG-Price as soon as:
      1. ther GG-Users have acquired a portion of the GG-User’s GG-Claims and/or the GG-Claims acquired by the Company for the proceeds of the GG-User’s GG-Claims (to the extent necessary for the payment of the GG-Price) from the Company; and/or
      2. sufficient funds have been allocated to the Company’s GG-Account to cover the GG-Price.
    5. Pre-condition for immediate payment of the GG-Price. If at the time the GG-User demands payment of the GG-Price, there are sufficient funds linked to the GG-Accounts to cover the GG-Price in accordance with Section 7.4, it becomes payable immediately.
    6. Suspension of payment of the GG-Price. If at the time the GG-User demands payment of the GG-Price, there are insufficient funds linked to the GG-Accounts to cover the GG-Price in accordance with Section 7.4 to all GG-Users who have demanded payment of the GG-Price, then all payments of the GG-Price to all GG-Users shall not become payable before and are suspended until (which ever occurs first):
      1. there are sufficient funds linked to the GG-Accounts to cover the GG-Price in full (i.e. the GG-Claims of other GG-Users and the Company have generated sufficient funds and/or the other GG-Users have allocated additional funds to their GG-Accounts to be used for acquiring the respective GG-Claims) to all GG-Users to whom payments of GG-Price have been suspended;
      2. 10:00 am (Eastern European Time) on each next Banking Day at which time partial payments of the GG-Price shall be made from funds linked to the other GG-Accounts to cover their respective portions of the GG-Price to all GG-Users to whom payments of the GG-Price have been suspended (irrespective when the GG-User demanded payment of the GG-Price). Such partial payments of the GG-Price shall be made by dividing the funds available to cover the GG-Price in accordance with Section 7.4 in equal amounts to all GG-Users to whom payments of GG-Price have been suspended. Such partial payments shall be made on each Banking Day until the GG-Price has been paid in full to all GG-Users who have demanded payments of the GG-Price.
    7. Transfer of the GG-Price. Once the GG-Price (or a portion of it) has become payable, the Company shall transfer the amount to such GG-Account as instructed by the GG-User. Thereafter, the GG-User shall have the right to request that the Company makes a payment from the GG-Account to a current account held by the GG-User in a Member State of the European Union or in any other country approved by the Company on the condition that a payment has been previously made from the given current account to the GG-Account with a reference to the GG-User’s Reference Number and the data communicated by the credit institution upon contribution conforms to the data saved by the GG-User. Payments can be made to a current account held by the GG-User in the extent of the positive balance of the GG-User’s GG-Account by using the respective technical solution of the Portal. Positive balance means the amount reflected on the GG-Account that is not covered by collectable arrears for the benefit of the Company or other Users. The Company shall conclude the respective transfer order within one Banking Day.
    8. Limitation of liability in respect to the GG-Price. The GG-User acknowledges and accepts that the GG-Price may be less than the aggregate funds and value of Claims allocated to the GG-User’s GG-Account. Nothing in these GG-Agreement may be considered as a promise or guarantee of any profit or any specific rate of return. The GG-User hereby waives any claims it may have against the Company in respect to the GG-Price.
    9. Company’s fee. As soon as the GG-Price has been paid by the Company, the Company shall debit 1 EUR from the GG-Account of the GG-User as the Company’s fee for each time payment is demanded. In case the GG-Price is paid in several payments in accordance with Section 7.6, the Company shall debit its fee from the GG-Account of the GG-User after the last payment. The GG-User hereby irrevocably instructs and authorizes the Company to debit such fee in accordance with this Section without any further authorizations from the GG-User.
    10. The Company may use any proceeds it gains from the sale and acquisition of the GG-Claims at its full discretion. Without limiting the foregoing, the Company may, among other, use its proceeds to acquire GG-Claims (on the same terms as any GG-User) in its own name and on its own account.

  8. TERM AND TERMINATION

    1. The GG-Agreement have been concluded for an indefinite period.
    2. The GG-User may at any time cancel (in Estonian: üles ütlema) the GG-Agreement by giving the Company notice via the respective application available at the Portal.
    3. The Company may at any time cancel the GG-Agreement by giving the GG-User notice at least 30 calendar days in advance via the Portal.
    4. The Company may also cancel the GG-Agreement partially or in full, and restrict access to the GG-Account and the services thereto by giving the GG-User notice of at least 7 calendar days in advance via the Portal, in case, among other:
      1. the GG-User is in breach of the Bondora Capital Terms of Use or the GG-Agreement;
      2. the Company discontinues its services related to the GG-Accounts.
    5. In case either party cancels the GG-Agreement, the GG-User is automatically considered to have demanded payment for all of its GG-Claims.

  9. AMENDMENT OF THE GENERAL TERMS OF GO & GROW

    1. For the purposes of development of services and their better and securer use, the Company has the right to unilaterally amend and modify the General Terms of Go & Grow.
    2. The GG-Users shall be informed of the amendment of the General Terms of Go & Grow 14 calendar days in advance before the amendments enter into force. In case the GG-User does not accept the amendment to the terms, the GG-User may cancel the GG-Agreement within 30 calendar days of the receipt of the information regarding the amendment or of the time when the amendment was made, whichever is later.
    3. The Company shall have a right to unilaterally amend the General Terms of Go & Grow without notice provided that such amendments result in terms and conditions more favorable to the GG-User or otherwise do not affect the rights and obligations of the GG-User, including, but not limited to grammatical changes or corrections.
    4. Upon disagreement with the amendments and modifications, the GG-User shall have the right to terminate the GG-Agreement in full as prescribed in this Section.

  10. CONFIDENTIALITY

    1. The Parties acknowledge the likely disclosure to each other, during the term of the GG-Agreement, of confidential information. This may include the loan portfolio, client relationship, details of the Company’s services and other information that should reasonably be deemed as a business secret.
    2. All confidential information shall remain the exclusive property of the disclosing party. Each party undertakes not to disclose any confidential information related to the business activities or plans of the other party to any third party without prior written consent of the party whose property it is. However, the Company may use received confidential information for credit scoring purposes and operation of the Portal.
    3. The confidentiality obligation agreed upon under the GG-Agreement survives the termination of the GG-Agreement and remains in force indefinitely.

  11. NOTIFICATION

    1. The GG-User shall notify the Company immediately, but in no less than 5 calendar days, of any changes in the data submitted to the Company or specified in the agreements entered into with the Company, including, but not limited to, any changes in their name, address, contact details, obligations, and other (personal) data.
    2. The notification of any changes in the data shall be submitted in writing or by means of the technical solution of the Portal.

  12. FINAL PROVISIONS

    1. Taxes. Each party shall be solely responsible for declaring and paying any taxes applicable to such party.
    2. No association. Nothing contained in the GG-Agreement shall be deemed to create any association, partnership, joint venture, or relationship of principal and agent or employer and employee between the parties. Each party shall not represent itself and must ensure that its personnel do not represent themselves as agents of the other party.
    3. No security. The GG-Agreement cannot be construed to create any type of a security. The GG-Agreement, any part or any rights arising hereof cannot be assigned to a third party without a prior written agreement between the parties. However, the Company may assign a part or all of the GG-Agreement (including rights and/or obligations hereof) to its subsidiaries or the group companies. The GG-User hereby gives its irrevocable consent for such transfer. In such case the Company will remain severally liable for obligations that have been created and are callable at the moment of assignment.
    4. Confirmation of understanding. By confirming the GG-Agreement each party (and its representative) confirms that he/she has in full read the GG-Agreement, received detailed information concerning the rights and obligations arising from the GG-Agreement, and that he/she fully understands and agrees with the terms and conditions of the GG-Agreement.
    5. No waiver. No delay in performing an obligation or in exercising any right under the GG-Agreement shall mean exemption of such obligation or waiver of such right, nor will separate or partial performance of any obligation or exercise of any right to exclude further performance of such obligation or further exercise of such right.
    6. Applicability of the Terms of Use. To the extent that the relationships between the parties to the GG-Agreement have not been regulated by the GG-Agreement, they shall be governed by the provisions of the Bondora Capital Terms of Use in force, which constitute an inseparable part of the GG-Agreement. In case of discrepancies between the GG-Agreement and the Bondora Capital Terms of Use or any other document applicable between respective parties, the GG-Agreement shall prevail.
    7. Governing law and dispute resolution. The GG-Agreement shall be subject to the legislation of the Republic of Estonia. To the extent permitted under applicable law, the courts of the Republic of Estonia shall have exclusive jurisdiction to solve any disputes related to the GG-Agreement. Harju County Court shall be the court of first instance.
    8. The GG-Agreement have been drawn up in English.

    These General Terms of Go & Grow are applicable to all GG-Agreement concluded via Portal.

General Terms of Go & Grow (effective as of 31.10.2024)

  1. DEFINITIONS AND REFERENCES

    1. Terms used in the General Terms of Go & Grow have the respective meanings as defined in this Section 1 of the General Terms of Go&Grow and/or in the Bondora Capital Terms of Use. The Bondora Capital Terms of Use shall apply to the GG-Agreement unless otherwise stated herein. In the event of any ambiguity or conflict between the General Terms of Go & Grow and the Bondora Capital Terms of Use, the terms of the General Terms of Go & Grow shall prevail.
      1. Adjusted Value – the GG-Value after appropriate provisions (if required) to meet the criteria prescribed in both Section 7.3.2.2.
      2. GG-Account – a Portal Account designated solely for use under the GG-Agreement.
      3. GG-Agreement – the Go & Grow Agreement concluded between the Company and the GG-User in accordance to the General Terms of the Go & Grow.
      4. GG-Claim – the Claim acquired by GG-User or the Company under the GG-Agreement or allocated as such under the GG-Agreement. The composition of the GG-Claim is published on the Portal (please see here).
      5. GG-Price – the aggregate Purchase Price to be paid by the Company to the GG-User for the acquisition of all or a particular portion of the GG-User’s GG-Claims.
      6. GG-Sale Agreement – an assignment agreement concluded through the Portal between the GG-User as the assignor of its GG-Claims and the Company as the acquirer of the GG-Claims on the terms and conditions set forth in the GG-Agreement.
      7. GG-User – the User who is using GG-Account under the GG-Agreement, including the User who has acquired or made an offer to acquire the GG-Claim.
      8. GG-Value – the value of all assets linked to all GG-Accounts that is calculated in accordance with Section 7.3.1.
    2. Any reference to any Section in the GG-Agreement shall refer to such Section or Subsection of the General Terms of Go & Grow, unless otherwise stated herein.

  2. ENTRY INTO THE GG-AGREEMENT

    The GG-Agreement is legally binding and shall be considered concluded between the Company and the GG-User as of the date when the GG-Agreement along with the respective General Terms of Go & Grow are digitally approved by the GG-User.

  3. THE GG-ACCOUNT

    1. Opening of the GG-Account. The Company shall establish a GG-Account for the GG-User immediately after the GG-User has approved the GG-Agreement in accordance with Section 2 of General Terms of Go & Grow.
    2. Allocation of funds to the GG-Account. In order to acquire GG-Claims, funds shall be allocated to the GG-Account in one or more of the following ways:
      1. Immediately after the GG-User has approved the GG-Agreement, the Company shall transfer any funds from the GG-User’s Portal Account automatically to the GG-Account as soon as such funds are available, including, without limitation, any funds received from other Claims belonging to the GG-User.
      2. The GG-User may at any time pay additional funds to the Portal Account by making a payment to the Current Account of Portal from the current account of the GG-User by using the GG-Account number as a reference, which will be automatically transferred to the GG-User’s GG-Account.
    3. Acquisition of Claims. The GG-User may acquire an unlimited amount of GG-Claims to the GG-Account, unless the Company has informed the GG-User otherwise, however, the maximum rate of return from the sale of GG-Claims will depend on the amount of the funds allocated as per Section 7.3.2.3.
    4. Safekeeping of the funds. Any funds allocated to the GG-Account in accordance with Section 3.2., or generated by the sale of GG-Claims shall be kept on the Current Account of Portal (for the performance of the mandate for the purposes of § 626 of the Law of Obligations Act).
    5. Use of the funds. Any funds allocated to the GG-Account in accordance with Section 3.2. shall be used solely for acquiring additional GG-Claims in accordance with Section 5. The Company cannot guarantee that all funds allocated to the GG-Account are entirely invested in the Claims at all times.

  4. INCLUSION OF EXISTING CLAIMS IN THE GG-CLAIMS

    1. Instructions for inclusion. Each time the GG-User wishes to include Claims otherwise acquired by the GG-User via the Portal in their GG-Claims, the GG-User shall give the Company such an instruction using the respective application of the Portal.
    2. Conditions of inclusion. By instructing the Company to include the existing Claims in the GG-Claims, the GG-User agrees that the existing Claims shall be included in the GG-Claims only as follows and provided that the GG-User accepts the value of such Claims as determined by the Company:
      1. in case the GG-User has sold less than 25% of the Claims acquired by using the Portfolio Manager, the entire portfolio of the existing Claims acquired by using the Portfolio Manager shall be included in the GG-Claims;
      2. in case the GG-User has sold at least 25% of the Claims acquired by using the Portfolio Manager, only the Claims that comply with Section 4.2.3 shall be included in the GG-Claims;
      3. in addition to Claims included under Section 4.2.1, all Claims with no collectible, but unpaid indebtedness (i.e. the Borrower is not overdue) shall be included in the GG-Claims.
    3. Changing the conditions of inclusion. The Company may change the requirements applicable to existing Claims that are eligible for inclusion in the GG-Claims under Section 4.2 by giving the GG-User prior notice of at least 7 calendar days via the Portal.
    4. Value of the included Claims. The aggregate value of the Claims referred to in Sections 4.2.1-4.2.3 shall be proposed and indicated to the GG-User in the Portal before confirming the inclusion of the Claims in the GG-Claims. If the GG-User does not agree with the valuation of the Claims, the GG-User may cancel the inclusion. The GG-User accepts that the final GG-Price, which the GG-User may demand under Section 7, may be smaller than the value indicated under this Section upon the inclusion of the Claims in the GG-Claims.

  5. ACQUISITION OF NEW GG-CLAIMS

    1. The Tender Offer for acquisition. The GG-User hereby and each time any funds are allocated to the GG-Account places a Tender Offer to use such funds to acquire GG-Claims for the GG-User from the Company. The Tender Offer is a binding offer to the Company to acquire in the following order:
      1. firstly, a portion of existing GG-Claims which have become available for purchase as a result of another GG-User fully or partially demanding payment for their GG-Claims. Such portion shall be determined pro rata to the value of the following assets compared to the Adjusted Value:
        1. the GG-Claims of the GG-User,
        2. the GG-Claims acquired by the Company for the proceeds of the GG-User’s GG-Claims and
        3. the proceeds of the GG-Claims received by the Company for the GG-Claims referred to in Sections 5.1.1.1-5.1.1.2 which at the time have not been used to acquire additional GG-Claims.

        In this case the Purchase Price of such GG-Claims is a portion of the GG-Price (to be paid to the other GG-User by the Company) determined pro rata to the value of such assets compared to the Adjusted Value;

      2. secondly, the Claims (i) with a Purchase Price which is smaller or equal to the outstanding principal amount of the Claim, (ii) with no collectible, but unpaid indebtedness at the time of acquisition and (iii) which at the time of acquisition meet at least one of the following criteria:
        1. the Loan from which the Claim arises was issued by the Creditor in the ordinary course of its business; or
        2. the Claim has been offered for acquisition via the Portal, including the Bondora API.
      3. The Company may change the conditions set out in Section 5.1.1 and Section
      4. by giving the GG-User prior notice of at least 7 calendar days via the Portal.
    2. Validity of the Tender Offer. The Tender Offer is placed as soon as funds are allocated to the GG-Account and shall be valid until such funds have been used in full to acquire the GG-Claims. The GG-User does not have the right to cancel the Tender Offer, however, the Tender Offer is cancelled in case the GG-User cancels the GG-Agreement.
    3. No information. No specific information about the Claims to be acquired by the GG-User will be made available to the GG-User, including without limitation, the personal data of the Borrower.
    4. Entry into the Assignment Agreement. After the completion of the Tender Management Process, a binding Assignment Agreement will enter into force between the GG-User and the Company who is selling the Claim to the GG-User.
    5. Terms of the Assignment Agreement. The Assignment Agreement between the GG-User as the acquirer and the Company as the assignor shall be concluded on the following terms and conditions (no separate document will be generated):
      1. the Claim shall be considered to be assigned from the Company to the GG-User immediately after the GG-User has fully paid the Purchase Price to the Company;
      2. upon the assignment of a Claim, the rights of the Company to payments arising from the Claim, including any existing indebtedness and rights related thereto, shall also be transferred to the GG-User. For the avoidance of doubt, the rights to payment of fees associated with the Creditor, e.g., agreement fee, service fee, and Debt Servicing Costs, remain with the Creditor and are not transferred to the GG-User. If the Company has acquired any rights to payment of fees associated with the Creditor, the Company has the right to assign all or any portion of those rights to the GG-User at its own discretion;
      3. the GG-User or the Company shall not inform the Borrower of the assignment of the Claim. The Company, or any person authorized by the Company (including but not limited to the person from whom the Claim was acquired), shall remain the creditor in relation to the Borrower, unless required otherwise by the creditor or the Company;
      4. by virtue of entering into the Assignment Agreement as described herein, the GG-User irrevocably authorizes the Company, together with the right to grant further authorizations, to service the Claim and the Loan Agreement from which the Claim arises in accordance with the Bondora Capital Terms of Use (including, without limitation, in accordance with Section 6 of the Bondora Capital Terms of Use) and this GG-Agreement.
    6. Payment of the Purchase Price. Following the conclusion of the Assignment Agreement, the funds allocated to the GG-User’s GG-Account shall be used for payment of the Purchase Price and crediting the Company’s GG-Account in the amount of the Purchase Price. The GG-User hereby irrevocably authorizes the Company to use the funds allocated to the GG-User’s GG-Account for crediting the Company’s GG-Account in the amount of the Purchase Price.

  6. LIMITATIONS

    1. General limitations regarding the GG-Account. The GG-User may not transfer, assign, encumber or otherwise dispose of the GG-Account or the assets, rights or obligations linked thereto individually or in whole, except for the sale of the GG-User’s GG-Claims in accordance with Section 7. The Company may refuse to execute any instruction from the GG-User or any other person which contradicts the restrictions prescribed in this Section or elsewhere in the GG-Agreement, unless otherwise prescribed by applicable law.
    2. Limitations on payments from the GG-Account. The GG-User may require payments from the GG-Account only to their personal bank account and only in case of demanding payment from the Company for the sale of the GG-User’s GG-Claims in accordance with Section 7. The GG-User may not require payments from the GG-Account in any other way.
    3. No individual disposal. The GG-User may not resell, assign or otherwise dispose of (in Estonian: käsutama) any individual GG-Claim. Disposal of the GG-Claims shall take place only in accordance with Section 7.
    4. Limited information. The Company shall keep records of the GG-Claims acquired and sold by the GG-User. However, as the GG-User may not dispose of the GG-Claims individually, the GG-Account shall not include information about the GG-Claims. The Company shall indicate on the GG-Account:
      1. the indicative GG-Price of all GG-Claims of the GG-User (calculated in accordance with Section 7.3) in case the GG-User would demand payment from the Company in accordance with Section 7.4 and the entire GG-Price would be paid before the next time the GG-Price is calculated;
      2. the existing GG-Claims which shall be taken into account to calculate the GG-Price to be paid to the GG-User in case the GG-User would demand payment from the Company in accordance with Section 7.4 and the entire GG-Price would be paid before the next time the GG-Price is calculated;
      3. any other information at the discretion of the Company (if any).

  7. SALE OF THE GG-CLAIMS

    1. Entry into the GG-Sale Agreement. At the moment the GG-User acquires any GG-Claim in accordance with Section 5 or includes any Claim in the GG-Claims in accordance with Section 4, a GG-Sale Agreement will enter into force in respect to such GG-Claim between the GG-User as the assignor and the Company as the acquirer.
    2. Terms of the GG-Sale Agreement. The GG-Sale Agreement between the GG-User and the Company shall be concluded on the following terms and conditions (no separate document will be generated):
      1. the title to the GG-Claim shall be considered to be assigned from the GG-User to the Company at the moment when the Company has paid the GG-Price to the GG-User in accordance with Sections 7.3.-7.7.;
      2. the rights of the GG-User to payment of the payable interest and interest on arrears, including debts related to interest and interest on arrears, shall be transferred to the Company as of the conclusion of the GG-Sale Agreement;
      3. as of the conclusion of the GG-Sale Agreement, the Company shall have the right to receive any payment made based on the GG-Claim on the Company’s GG-Account and use such amounts to acquire GG-Claims in its own name in accordance with Section 5.1, which shall be allocated to the Company’s GG-Account;
      4. the GG-User or the Company shall not inform the Borrower of the assignment of the GG-Claim. The Company, or any person authorized by the Company (including but not limited to the person from whom the Claim was acquired), shall remain the Creditor in relation to the Borrower, unless otherwise required by the Creditor or the Company;
      5. by virtue of entering into the GG-Sale Agreement as described herein, the GG-User irrevocably authorizes the Company or the Creditor to service the GG-Claim and the Loan Agreement of which the GG-Claim arises in accordance with the Bondora Capital Terms of Use and this GG-Agreement. Such authorization includes, but is not limited to, that if the GG-Claim in debt has not been fully paid by the day of default and the Company or the Creditor and the Borrower have not determined a new payment schedule, the Company or the Creditor has the right to assign or sell the GG-Claim to a third party. This power of attorney has been issued with the right of delegation of authority and it shall remain in force until the performance of all the obligations related to the Loan Agreements that serve as the basis for the GG-Claims.
    3. Calculation of the GG-Price. The Company shall calculate the GG-Price on the basis of the GG-Value and the Adjusted Value at least once a day as follows:
      1. Calculation of the GG-Value. The GG-Value is calculated by adding up the outstanding principal amounts of all GG-Claims that are receiving regular repayment and available funds linked to all GG-Accounts (which at the time have not been used to acquire additional GG-Claims), and deducting the sum of overdue payments of such principal amounts from GG-Claims not receiving regular repayments and write-offs (all as at the time of calculation);
      2. Calculation of the Adjusted Value. The Adjusted Value is thereafter calculated by provisioning the GG-Value so that the rate of return from using any GG-Account shall comply with both Sections 7.3.2.1 and 7.3.2.2:
        1. the rate of return from using the GG-Account is calculated daily using extended internal rate of return function where the inputs are (all as allocated across all GG-Accounts and aggregated for the previous day until end of such day):
          1. all funds allocated to GG-Accounts,
          2. the value of the Claims (as determined by the Company under Section 4.3) included on GG-Accounts under Section 4, and
          3. the GG-Prices paid out;
        2. the aggregate rate of return from using any GG-Account (calculated in accordance with Section 7.3.2.1) shall not, in any case, exceed:
          1. 7,5% per year based on the funds and the Claims accumulated by allocations to the GG-Account in the equivalent of up to and including 1000 euros each month in accordance with Section 3.2.1 or Section 7.3.2.2.2 (i.e. the aggregate amount of funds and Claims allocated to the GG-Account which may earn an aggregate return of up to 7,5% per year may be increased by up to 1000 euros each month), and
          2. 4,44% per year for the funds and the Claims accumulated by allocations to the GG-Account in excess of the amount referred to in Section 7.3.2.2.1, whereas in the beginning of the each month, any funds and Claims allocated during previous months in excess of the amount referred to in Section 7.3.2.2.1, shall be considered as newly allocated in the amount of up to 1000 euros per month and subject to the maximum rate of return specified in Section 7.3.2.2.

            3. For the avoidance of doubt, the returns in Section 7.3.2.2. are the maximum aggregate rate of returns, but no rate of return is guaranteed. The value of the Claims may change due to reasons not attributable to the Company or the Creditor, e.g., the Borrower’s inability to repay the Loan as agreed with the Creditor. For the avoidance of doubt, it is likely that all of the funds allocated to the GG-Account are not entirely invested in Claims at all times. Therefore, the actual rate of return as calculated in accordance with Section 7.3.2.2 may be lower than 7,5% or 4.44%.

      3. the Company calculates the ratio of the Adjusted Value compared to the GG-Value, both based on the previous calculation;
      4. the GG-Price is calculated by multiplying the aggregate value of (i) the GG-Claims of the GG-User, (ii) the GG-Claims acquired by the Company for the proceeds of the GG-User’s GG-Claims and (iii) the proceeds of the GG-Claims referred to in foregoing subsections (i) and (ii) received by the Company (which at the time have not been used to acquire additional GG-Claims) by the ratio calculated in accordance with Section 7.3.3.
    4. Right to require payment of the GG-Price. The GG-Price to be paid by the Company to the GG-User for its GG-Claims shall be determined at the last time of calculating the GG-Price before making the payment of the GG-Price or a respective portion of it. The GG-User may demand payment of the GG-Price only in full (for all of its GG-Claims) or a particular percentage thereof by using the respective application in the Portal (i.e. for a respective portion of all of its GG-Claims). In case the GG-User requires a partial payment of the GG-Price, the portion of the GG-Price is subject to the limitation as per Section 7.3.2.3.2. (if any) shall be paid out first. The GG-User is entitled to payment of the GG-Price as soon as:
      1. ther GG-Users have acquired a portion of the GG-User’s GG-Claims and/or the GG-Claims acquired by the Company for the proceeds of the GG-User’s GG-Claims (to the extent necessary for the payment of the GG-Price) from the Company; and/or
      2. sufficient funds have been allocated to the Company’s GG-Account to cover the GG-Price.
    5. Pre-condition for immediate payment of the GG-Price. If at the time the GG-User demands payment of the GG-Price, there are sufficient funds linked to the GG-Accounts to cover the GG-Price in accordance with Section 7.4, it becomes payable immediately.
    6. Suspension of payment of the GG-Price. If at the time the GG-User demands payment of the GG-Price, there are insufficient funds linked to the GG-Accounts to cover the GG-Price in accordance with Section 7.4 to all GG-Users who have demanded payment of the GG-Price, then all payments of the GG-Price to all GG-Users shall not become payable before and are suspended until (which ever occurs first):
      1. there are sufficient funds linked to the GG-Accounts to cover the GG-Price in full (i.e. the GG-Claims of other GG-Users and the Company have generated sufficient funds and/or the other GG-Users have allocated additional funds to their GG-Accounts to be used for acquiring the respective GG-Claims) to all GG-Users to whom payments of GG-Price have been suspended;
      2. 10:00 am (Eastern European Time) on each next Banking Day at which time partial payments of the GG-Price shall be made from funds linked to the other GG-Accounts to cover their respective portions of the GG-Price to all GG-Users to whom payments of the GG-Price have been suspended (irrespective when the GG-User demanded payment of the GG-Price). Such partial payments of the GG-Price shall be made by dividing the funds available to cover the GG-Price in accordance with Section 7.4 in equal amounts to all GG-Users to whom payments of GG-Price have been suspended. Such partial payments shall be made on each Banking Day until the GG-Price has been paid in full to all GG-Users who have demanded payments of the GG-Price.
    7. Transfer of the GG-Price. Once the GG-Price (or a portion of it) has become payable, the Company shall transfer the amount to such GG-Account as instructed by the GG-User. Thereafter, the GG-User shall have the right to request that the Company makes a payment from the GG-Account to a current account held by the GG-User in a Member State of the European Union or in any other country approved by the Company on the condition that a payment has been previously made from the given current account to the GG-Account with a reference to the GG-User’s Reference Number and the data communicated by the credit institution upon contribution conforms to the data saved by the GG-User. Payments can be made to a current account held by the GG-User in the extent of the positive balance of the GG-User’s GG-Account by using the respective technical solution of the Portal. Positive balance means the amount reflected on the GG-Account that is not covered by collectable arrears for the benefit of the Company or other Users. The Company shall conclude the respective transfer order within one Banking Day.
    8. Limitation of liability in respect to the GG-Price. The GG-User acknowledges and accepts that the GG-Price may be less than the aggregate funds and value of Claims allocated to the GG-User’s GG-Account. Nothing in these GG-Agreement may be considered as a promise or guarantee of any profit or any specific rate of return. The GG-User hereby waives any claims it may have against the Company in respect to the GG-Price.
    9. Company’s fee. As soon as the GG-Price has been paid by the Company, the Company shall debit 1 EUR from the GG-Account of the GG-User as the Company’s fee for each time payment is demanded. In case the GG-Price is paid in several payments in accordance with Section 7.6, the Company shall debit its fee from the GG-Account of the GG-User after the last payment. The GG-User hereby irrevocably instructs and authorizes the Company to debit such fee in accordance with this Section without any further authorizations from the GG-User.
    10. The Company may use any proceeds it gains from the sale and acquisition of the GG-Claims at its full discretion. Without limiting the foregoing, the Company may, among other, use its proceeds to acquire GG-Claims (on the same terms as any GG-User) in its own name and on its own account.

  8. TERM AND TERMINATION

    1. The GG-Agreement have been concluded for an indefinite period.
    2. The GG-User may at any time cancel (in Estonian: üles ütlema) the GG-Agreement by giving the Company notice via the respective application available at the Portal.
    3. The Company may at any time cancel the GG-Agreement by giving the GG-User notice at least 30 calendar days in advance via the Portal.
    4. The Company may also cancel the GG-Agreement partially or in full, and restrict access to the GG-Account and the services thereto by giving the GG-User notice of at least 7 calendar days in advance via the Portal, in case, among other:
      1. the GG-User is in breach of the Bondora Capital Terms of Use or the GG-Agreement;
      2. the Company discontinues its services related to the GG-Accounts.
    5. In case either party cancels the GG-Agreement, the GG-User is automatically considered to have demanded payment for all of its GG-Claims.

  9. AMENDMENT OF THE GENERAL TERMS OF GO & GROW

    1. For the purposes of development of services and their better and securer use, the Company has the right to unilaterally amend and modify the General Terms of Go & Grow.
    2. The GG-Users shall be informed of the amendment of the General Terms of Go & Grow 14 calendar days in advance before the amendments enter into force. In case the GG-User does not accept the amendment to the terms, the GG-User may cancel the GG-Agreement within 30 calendar days of the receipt of the information regarding the amendment or of the time when the amendment was made, whichever is later.
    3. The Company shall have a right to unilaterally amend the General Terms of Go & Grow without notice provided that such amendments result in terms and conditions more favorable to the GG-User or otherwise do not affect the rights and obligations of the GG-User, including, but not limited to grammatical changes or corrections.
    4. Upon disagreement with the amendments and modifications, the GG-User shall have the right to terminate the GG-Agreement in full as prescribed in this Section.

  10. CONFIDENTIALITY

    1. The Parties acknowledge the likely disclosure to each other, during the term of the GG-Agreement, of confidential information. This may include the loan portfolio, client relationship, details of the Company’s services and other information that should reasonably be deemed as a business secret.
    2. All confidential information shall remain the exclusive property of the disclosing party. Each party undertakes not to disclose any confidential information related to the business activities or plans of the other party to any third party without prior written consent of the party whose property it is. However, the Company may use received confidential information for credit scoring purposes and operation of the Portal.
    3. The confidentiality obligation agreed upon under the GG-Agreement survives the termination of the GG-Agreement and remains in force indefinitely.

  11. NOTIFICATION

    1. The GG-User shall notify the Company immediately, but in no less than 5 calendar days, of any changes in the data submitted to the Company or specified in the agreements entered into with the Company, including, but not limited to, any changes in their name, address, contact details, obligations, and other (personal) data.
    2. The notification of any changes in the data shall be submitted in writing or by means of the technical solution of the Portal.

  12. FINAL PROVISIONS

    1. Taxes. Each party shall be solely responsible for declaring and paying any taxes applicable to such party.
    2. No association. Nothing contained in the GG-Agreement shall be deemed to create any association, partnership, joint venture, or relationship of principal and agent or employer and employee between the parties. Each party shall not represent itself and must ensure that its personnel do not represent themselves as agents of the other party.
    3. No security. The GG-Agreement cannot be construed to create any type of a security. The GG-Agreement, any part or any rights arising hereof cannot be assigned to a third party without a prior written agreement between the parties. However, the Company may assign a part or all of the GG-Agreement (including rights and/or obligations hereof) to its subsidiaries or the group companies. The GG-User hereby gives its irrevocable consent for such transfer. In such case the Company will remain severally liable for obligations that have been created and are callable at the moment of assignment.
    4. Confirmation of understanding. By confirming the GG-Agreement each party (and its representative) confirms that he/she has in full read the GG-Agreement, received detailed information concerning the rights and obligations arising from the GG-Agreement, and that he/she fully understands and agrees with the terms and conditions of the GG-Agreement.
    5. No waiver. No delay in performing an obligation or in exercising any right under the GG-Agreement shall mean exemption of such obligation or waiver of such right, nor will separate or partial performance of any obligation or exercise of any right to exclude further performance of such obligation or further exercise of such right.
    6. Applicability of the Terms of Use. To the extent that the relationships between the parties to the GG-Agreement have not been regulated by the GG-Agreement, they shall be governed by the provisions of the Bondora Capital Terms of Use in force, which constitute an inseparable part of the GG-Agreement. In case of discrepancies between the GG-Agreement and the Bondora Capital Terms of Use or any other document applicable between respective parties, the GG-Agreement shall prevail.
    7. Governing law and dispute resolution. The GG-Agreement shall be subject to the legislation of the Republic of Estonia. To the extent permitted under applicable law, the courts of the Republic of Estonia shall have exclusive jurisdiction to solve any disputes related to the GG-Agreement. Harju County Court shall be the court of first instance.
    8. The GG-Agreement have been drawn up in English.

    These General Terms of Go & Grow are applicable to all GG-Agreement concluded via Portal after October the 31st, 2024.

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