Terms and Conditions
Introduction and definitions
Reiten Mortgages and Real Estate (hereinafter: "the Company") makes this Website available (hereinafter: "the Website") subject to these Terms and Conditions (hereinafter: "Terms and Conditions").
These Terms and Conditions apply in addition to applicable law and any document, agreement, form, power of attorney, authorization, letter of consent, digital document or other engagement document that will apply, as the case may be, to the engagement between the User and the Company.
These Terms and Conditions do not replace a service agreement, engagement agreement, power of attorney, authorization document or any other designated document required for receiving services from the Company. Wherever a dedicated engagement document applies in relation to a particular service, the provisions of that document will apply in addition to these Terms and Conditions, and in the event of a conflict, the provisions of the dedicated document in relation to that service or process will prevail.
For the purpose of these Terms and Conditions, the following terms shall have the following meanings:
"the Company" - including its employees, managers, agents, suppliers and anyone on its behalf, as the case may be.
"the User" - any person or legal entity that uses the Website and/or the digital services, including a visitor, an applicant, an existing customer, a potential customer, a representative of a business customer, a person authorized by another, or anyone who operates through the Website.
"the Personal Area" - a secure online area, to the extent provided by the Company, which allows certain users access to documents, updates, uploading files, performing digital operations and receiving information regarding the handling of their case.
"the Engagement Documents" - any agreement, power of attorney, authorization, enrollment form, service document, disclosure, consent, digital signature form, process document or any other document applicable between the User and the Company in relation to a particular service.
Purpose of the Website and Digital Services
The Website is intended, among other things, to provide general information about the Company, its areas of activity and services; to enable contact with the Company; to provide free tools and calculators; to allow clients access to the Personal Area; to allow documents to be uploaded; to enable the receipt of documents and updates; and to enable the performance of additional digital operations, including signing documents, as the Company chooses to make them available.
Unless expressly stated otherwise in writing, the content on the Website, including articles, explanations, examples, calculators, simulations, assessments, general answers, marketing content and professional content, is intended for general information, illustration and convenience purposes only.
The content on the Website does not constitute financial advice, mortgage advice, credit advice, business advice, investment advice, legal advice, tax advice, a binding professional opinion, a commitment to provide service, a commitment to result, approval in principle, a binding offer, or a substitute for an individual examination of the User's circumstances, their data, their goals and the relevant documents.
Any professional, financial, business or other decision based on the contents of the Website, the free tools or the digital services, will be made under the sole responsibility of the User, after individual examination and receiving appropriate advice as needed.
Eligibility to Use the Website
The use of the Website and the digital services is intended for those who have reached the age of 18, or for a corporation operating through a duly authorized representative.
A User acting on behalf of another person, corporation, company, partnership, estate, shareholder, other client, spouse, guarantor or any third party declares that they are authorized to do so, and that they have received all the permissions, consents and approvals required for this.
The Company may demand, at any time, reasonable documents, references or verifications for the purpose of ascertaining identity, authority, authorization or competence.
Provision of Information and User Declarations
The User undertakes to provide the Company with correct, complete, accurate and up-to-date information, and to refrain from providing misleading, incorrect, partial or unauthorized information.
The User undertakes that any document, file, statement, data or information delivered through the Website, in forms, in the Personal Area or in any other digital means of the Company, is provided lawfully and with the appropriate consent, and within the scope of their authority.
Insofar as the User submits information or documents of any third party, the User declares that they have received all the permissions, consents, and lawful grounds required for their delivery to the Company and for their handling for the relevant service.
The User undertakes to update the Company without delay on any material change in the details, documents, circumstances or data provided by them, insofar as the change is relevant to the use of the Website, the digital services or the receipt of services from the Company.
Use of forms and digital tools
The Website may include contact forms, forms for leaving details, compatibility questionnaires, calculators, simulators, assessment tools, service-specific forms and other tools.
The use of such free tools, calculators or forms does not, in itself, create an obligation on the part of the Company to accept the User as a customer, offer them a certain service, contract with them, or provide them with financing, credit, certain conditions, or any result.
An application through the Website does not oblige the Company to respond, accept the application, open a case, provide a service, or continue any process, and everything is subject to the Company's discretion, the law, professional suitability, availability, regulatory requirements and the required documents.
Access to a Personal Area and its security
The Company may provide certain users with a Personal Area or other digital means of access. Such access will be granted at the Company's discretion, subject to the conditions, permissions and means of identification it determines.
The User is responsible for maintaining the confidentiality of the identification information, links, codes, passwords, means of authentication, identification messages or any other means of access provided to them or created by them for use in the Personal Area.
Any action performed using the User's means of access will be deemed, prima facie, to be an action performed by the User or with their permission, unless they notified the Company without delay of loss, fear of unauthorized use, breach of security or a similar event.
The User undertakes to notify the Company immediately of any suspicion of unauthorized use, hacking, loss of means of access, unauthorized access, or any other damage to the security of the account or Personal Area.
The Company may, at its reasonable discretion, suspend, limit, block or cancel access to the Personal Area, temporarily or permanently, if it believes that this is required for reasons of security, compliance, integrity, suspicion of misuse, provision of incorrect information, violation of the Terms and Conditions or any other reasonable reason.
Uploading documents by the User
To the extent that the Website or the Personal Area allows the uploading of documents, files, data, photos, certificates, affidavits, forms or any other material, the User undertakes to upload only materials that they are entitled and authorized to upload.
The User shall not upload to the Website or to the Personal Area any content or file that is illegal, offensive, misleading, violates rights, infected with malicious code, virus, malware, harmful component or any other content that may harm the Company, its systems, other users or third parties.
The User grants the Company a limited, non-exclusive, non-transferable, royalty-free license to use the documents and materials uploaded by them solely for the purpose of receiving, storing, checking, processing, managing the service, managing the relationship with the User, documentation, legal compliance, information security, backup, troubleshooting, protecting the Company's rights and fulfilling its obligations.
The Company may, but is not obligated to, scan, check, filter, refuse to accept, remove, restrict access or require the replacement of any uploaded file or material, if it believes that it is improper, illegible, missing, prohibited, dangerous, unauthorized or irrelevant.
Digital documents and electronic signature
As part of the use of the Website and digital services, the Company may provide the User with documents, forms, approvals, requests, letters of consent, service documents or engagement documents for signature by digital or electronic means.
The User agrees that documents, messages, updates, approvals, requirements, links, reminders and various messages will be sent to them by digital means, including email, SMS, links, Personal Area, digital signature, system messages or any other digital means that the Company chooses, subject to the law.
Without limiting the foregoing, certain actions may be considered as giving approval, declaration, commitment, instruction or consent on the part of the User, if this is explicitly stated on the relevant screen, in the digital document or in the process in which the action was performed.
The Company may condition certain documents or actions by means of verification, identification, a supplementary document, a dedicated process, an additional signature or any other reasonable condition.
Not every digital action on the Website constitutes, in itself, a binding signature or final approval for any purpose, and everything depends on the nature of the action, the relevant documents, the applicable law and the requirements of the Company or the relevant entity.
Services Subject to Separate Engagement Documents
Receiving consulting services, professional guidance, individualized handling, case review, process management, entering into a business engagement, opening a case, transaction guidance, financing guidance, providing access to a Personal Area, receiving documents, transferring documents, or any other service on behalf of the Company, may be subject to the signing of separate engagement documents.
The Engagement Documents may include, among other things, instructions regarding the scope of the service, the consideration, the responsibilities of the parties, required documents, work procedures, powers, power of attorney, permissions, engagement period, termination of the engagement, and specific laws applicable to the service.
The Company may decline to begin handling a matter, delay or limit its handling, or decline to continue handling it or condition the provision of service on completing documents, providing information, verifying, signing documents, agreeing to specific conditions or meeting any other condition that the Company deems appropriate, subject to the law.
Actions related to credit data
The Company may, in the appropriate cases and subject to the applicable law, act as a paid authorized representative in connection with receiving credit data or a data report for its customers.
The mere use of the Website, contacting via a form, making contact, opening a Personal Area, uploading documents, or signing a general document on the Website, do not constitute, in themselves, sufficient authorization to receive a data report or credit data.
Any action by the Company in connection with receiving credit data, a data report or using it, will only be done subject to documents, authorizations, powers of attorney, agreements, verifications and dedicated processes as required by law, according to the instructions of the authorized bodies, and according to the procedures applicable to the Company.
Prohibited uses
The User undertakes not to use the Website or the digital services for any illegal, prohibited, harmful, offensive, commercial, or unauthorized purpose that contradicts the Terms and Conditions. The Company may take any reasonable measure permitted by law for the purpose of preventing prohibited uses, locating them, stopping them, documenting them and enforcing its rights.
Without detracting from the generality of the foregoing, the User will not perform, and will not attempt to perform, any of these:
Intrusion, unauthorized access, disruption, circumvention or damage to the Website's systems or infrastructure.
Collection, scraping, mining, extraction, harvesting, systematic duplication, unauthorized automatic use or mapping of information from the Website.
Impersonation, falsification of identity, misrepresentation or provision of misleading information.
Uploading harmful files or running malicious code.
Using the Website to harm the Company, other users or third parties.
Violation of intellectual property rights, privacy, confidentiality, information security or any other right.
Use of the Website for any purpose that is not expressly permitted by these Terms and Conditions or by law.
Intellectual property
All rights in the Website and digital services, including design, interfaces, content, texts, documents, graphics, calculators, models, code, the trade name, trademarks, logo, Website structure, databases, products, functions and any other component, belong to the Company and/or third parties who have allowed it to use them, and are protected by law.
The Company grants the User a personal, limited, non-exclusive, non-transferable, revocable license to view the Website and use it only in accordance with these Terms and Conditions.
You may not copy, reproduce, distribute, transmit, publicly display, translate, process, reverse engineer, commercialize, make secondary use or produce derivative works from any part of the Website or digital services, except with express written permission in advance from the Company.
Privacy and accessibility
The Company's privacy policy is published separately on the Website at: reiten.co.il/privacy and is a separate document.
The Company's accessibility statement is published separately on the Website at: reiten.co.il/accessibility and is a separate document.
These Terms and Conditions do not derogate from the provisions of the privacy policy, from the accessibility statement or from any other designated document applicable as the case may be.
Website availability
The Company makes reasonable efforts to maintain the availability of the Website and digital services, but does not guarantee that they will be available at all times, without interruptions, without errors, without malfunctions, without delays or without outages.
The Company may, at its discretion, carry out maintenance, updates, changes, upgrades, adjustments, temporary breaks, planned breaks, changes in the Website structure, contents, services, tools, functions, areas or means of access.
The Company may add, remove, change, limit, condition, suspend, or terminate, temporarily or permanently, the entire Website or part of it, including certain services, certain areas, forms, tools, the Personal Area, or content, and all subject to the law.
Liability and Disclaimers
The Website, the digital services, the content, the tools, the calculators, the simulations and the information that appear on it are provided “as is” and “as available” from time to time.
The Company makes reasonable efforts to ensure that the information on the Website is correct, up-to-date, clear and useful, but it is possible that it may contain errors, omissions, inaccuracies, inconsistencies, disruptions, delays or failures, including due to data originating from third parties, changes in the market, regulatory changes, changes in financing conditions, changes in forms, procedures or systems.
The Company does not guarantee that the contents of the Website will suit the needs, goals, expectations or circumstances of a particular user, or that use of the Website will yield a particular result, a particular saving, a particular benefit, eligibility, approval, financing, credit terms, interest, an amortization schedule, repayment ratio, or any other result.
Without limiting the foregoing and subject to the law, the Company will not be held responsible for indirect, consequential, special damages or loss of profit, loss of opportunity, loss of reputation, loss of information or any similar damage caused due to the use of the Website or reliance on its contents.
Nothing in these Terms and Conditions detracts from liability that cannot be stipulated by law.
Indemnity
The User shall indemnify the Company, its employees, managers and anyone on its behalf, immediately upon their first demand, for any damage, loss, cost, expense, payment, charge, claim, demand, fine, procedure, judgment or reasonable legal expense, including reasonable attorney's fees, that they incur due to:
Violation of these Terms and Conditions.
Illegal or prohibited use of the Website.
Delivery of incorrect, misleading or unauthorized information, document or content.
Violation of a third party right.
Choice of law
Subject to any other dispute resolution mechanism expressly stipulated in engagement documents, service documents, power of attorney, authorizations, letters of consent or other designated documents applicable between the User and the Company, including an arbitration clause, the laws of the State of Israel will apply to disputes relating to these Terms and Conditions, use of the Website or the digital services, and the territorial and subject-matter jurisdiction will be subject to the competent courts in Israel.
For the avoidance of doubt, where an arbitration mechanism or other mechanism for settling disputes is stipulated in a designated document, the provisions of that designated document will apply and prevail, and this section does not confer a right to bring court proceedings contrary to that mechanism, except to the extent required by law.
Changes to the Terms and Conditions
The Company may update these Terms and Conditions from time to time, among other things due to technological, business, operational, legal or regulatory changes.
The updated version will be published on the Website and will apply from the date of its publication, unless otherwise stated.
To the extent that substantial changes are made to these Terms and Conditions, the Company may, at its discretion, publish a notice thereof in an appropriate place on the Website or by other reasonable digital means.
Continued use of the Website after the publication of the updated version will constitute acceptance of the updated terms.
Contact Us
The Company attaches importance to efficient, professional and fair handling of user inquiries, and will work to take reasonable measures for the purpose of investigating and handling inquiries, requests and complaints concerning the Website, the digital services or these Terms and Conditions.
You can contact the Company regarding matters relating to use via email to the address: terms@reiten.co.il or through the customer service center by phone *8537 during business hours.
Governing Language
Any translation of these Terms and Conditions is provided for convenience only.
If the Hebrew version of these Terms and Conditions conflicts or is inconsistent with any translated version, or if the versions differ in interpretation, the Hebrew version shall prevail and shall be the binding version for all purposes.