CrediVita (including its brand and domain) is owned by MISTERMONEY LTDA, registered under CNPJ 01.150.875/0001-32, located at 6601 North Park Drive, Suite C-6037, Charlotte, North Carolina 28216, USA. We are not a financial institution. We operate as a banking correspondent, providing intermediary services between clients and partner financial institutions in accordance with applicable regulations.

1. Personal Loan Rates and Terms Disclosure: Lenders on the Credivita platform offer personal loans with APRs ranging from 5.74% to 35.99%, with loan terms of 12 to 120 months. Where applicable, Credivita may share your application with home equity loan and/or credit line providers for additional options. Credivita also works with network partners such as AmONE and non-lenders such as Accredited Debt Relief, who may offer loans and other products with rates and terms that differ from those described herein. Rates shown include lender discounts for automatic payments and loyalty programs where applicable. Actual rates may differ from advertised and/or displayed rates and will be based on lender qualification criteria including credit score, loan amount, loan term, credit utilization and history, and may vary by loan purpose. Generally, the lowest rates require excellent credit and, for certain lenders, may only be available for specific loan purposes and/or shorter loan terms. Origination fees charged by lenders on our platform range from 0% to 15%. Each lender has its own qualification criteria for automatic payment and loyalty discounts. All rates are determined by lenders and must be negotiated between the borrower and the lender of their choice. As an example, assuming a loan amount of $10,000 with a three-year term, an interest rate of 7.99%, an origination fee of $350, and an APR of 10.43%, the borrower would receive $9,650 at loan disbursement and make 36 monthly payments of $313.32 (assuming the origination fee is deducted from the loan amount). Assuming all payments are made on time and all terms and conditions of the loan agreement and all applicable discount programs are fully met, the borrower would pay a total of $11,279.43 over the life of the loan.