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General Terms

“Sis Credit” AD is a microfinance institution that takes strict care of your personal data. You can get acquainted with our information security practices here
General terms and conditions for access to and use of the website of CIS Credit AD


Art. 1. This website (website) with addresses is owned by Sis Credit AD. The content of the Web site is intended to provide information to CIS Credit and its products and services to an unlimited number of people (Users).
Art. 2. By accessing the site, users through implicit actions verify that they have the necessary knowledge, skills and equipment to contact the website. SIS CREDIT AD shall not be liable for any damages to the User’s hardware, hardware, software etc. during and / or during and / or in connection with access (including attempted) to information on the site. It should be borne in mind that unauthorized access and residence in the computer system hosting this site disturb and / or hamper work and attempts to unauthorized modification and / or modification of the information contained on this site (including the host computer system ) is a crime and is punished according to the current Penal Code of the Republic of Bulgaria.


Art. 3

(1) Information about CIS Credit AD:

Name: “Сис Кредит” АД, ЕИК 204159831,
Headquarters and address of management: 1000 Sofia, “GSRakovski” Str
Correspondence data: Sofia 1000, 1, GS Rakovski Str., 4th floor, e-mail:, phone: 0896/333 222,

(2) Supervisory authorities:

Commission for Personal Data Protection

Address: city of Sofia, “Prof. 2 Tsvetan Lazarov

tel .: 02 915 35 18


Web site:

Committees for the Protection of Friends

Apepec: 1000 pp. Coffey Square, 4A Clayev Street, et.3, 4 and 6,

tel .: 02/980 25 24

line: 02/988 42 18 Drop line: 0700 111 22

Ueb cait:


Art. 4. Access to this site is free of charge. All costs related to the provision of communication connectivity to the Internet are at the expense of the User and will be borne by him under the conditions and tariffs of the respective telecommunication operator.

Art. 5. “SIS CREDIT” JSC holds the exclusive rights to the design, the structure, the content and the website as a subject of the copyright. No part of this site and the publications contained therein may be copied, reproduced, modified and / or disseminated in any way and regardless of the means without the express written consent of the Bank. All listed product and service names are registered trademarks and are owned by Cisco Credit AD and / or their designated owners. Access to the Site does not constitute, in any way, a form, basis, and / or subject matter a permission to use, reproduce, modify, distribute and any other legal and factual action with the registered trademarks posted on the Site.

Art. 5. The information published on this site refers to “SIS CREDIT” AD and products and services offered by “CIS CREDIT” AD. No part of it is, and can not be considered, perceived and / or interpreted as an invitation, offer, offer, advertisement and / or other commercial means and / or legal advice. SIS Credit AD notes that consumer lending is a strictly regulated activity of the Consumer Credit Act. It is possible, in view of the specific parameters and provisions of the law, that a genuine transaction will materially differ in part and / or in all features published on this website.

Art. 6. If the User has access to other websites via the site, SIS CREDIT AD has reviewed, on any site linked to and does not endorse or assume any responsibility for the content of another website (including user actions taken as a result of perceiving information from another site) to which the user has accessed.


Art. 7. (1) “SIS CREDIT” AD shall take measures to protect the personal data of the Visitors in accordance with the Personal Data Protection Policy and the Privacy Policy announced on its website on the Internet. guarantees the integrity of information containing personal data and provided by Users online via completed electronic forms, electronic correspondence and / or an electronic service platform.

(2) CIS Credit does not send identifying information to third parties and does not require registration for use of the Site by the Visitors.

(3) “Сис Кредит” АД The consent for the processing of Visitor’s personal data is explicitly provided for specific cases, purposes and for specific categories of data.


Art. 8. “SIS CREDIT” PLC makes every effort to provide up-to-date and accurate information on the site about its products and services. Each publication is subject to change without notice at the discretion of and from CIS Credit AD. “SIS CREDIT” JSC does not assume any express or implied warranties of any kind regarding information published on the site.
Art. 9. “CIS CREDIT” shall not be liable for any property or non-pecuniary damage that has arisen directly, indirectly, through or in connection with access to this site and the information therein. The Bank does not guarantee the adequacy, accuracy or completeness of the site’s content. Users are solely responsible for assessing the usability of the site’s information and are fully and unconditionally responsible for the outcome of any action taken on the basis of information provided through this website.


Art. 10. (1) These General Terms and Conditions may be amended at any time by promptly publishing the amended General Terms and Conditions together with a notice to the Visitors of the changes made.

(2) The amendments to these General Terms and Conditions have effect for all Visitors of the Site since their announcement by “Sis Credit” AD

Art.11 The website of “Sis Credit” AD is aimed at an unlimited number of persons. Persons who are banned from accessing the page and / or the information contained therein should not access the page. The applicable legislation of the Republic of Bulgaria shall apply to matters not settled by these general conditions.
Art. 12. These General Terms and Conditions will enter into force for all Visitors of the Site as of July 26, 2018.

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