Kredy

Kredy is an app that lets you organize, document, and track financial agreements between individuals in a clear and transparent way.

🤝 Agreement Organization
Simply define the terms of an agreement between two people: amount, payment schedule, and conditions. Each user has a clear overview of their commitments.

📄 Documentation
Keep a record of agreements to avoid misunderstandings. All information is centralized and accessible at any time.

📅 Repayment Tracking
Track payments made, the remaining balance, and upcoming due dates. Reminders can be sent to help ensure commitments are met.

🔔 Notifications
Receive notifications for important milestones: agreement creation, upcoming due dates, or recorded payments.

🔒 Security
Data is secure and protected. Access to the app is controlled via authentication mechanisms.

⚠️ Important Information

Kredy is not a financial institution, lender, or credit intermediary. The application does not provide loan services and does not participate in the disbursement of funds. It only allows users to organize and track agreements between individuals.

📊 Terms and Conditions Applicable to Agreements

Amount: Freely defined by the users
Repayment Period: Minimum 61 days, maximum 60 months
APR (Annual Percentage Rate): From 0% to a maximum of 20%, defined by the users where applicable

💡 Representative Example

For an amount of €1,000 over 12 months with an APR of 5%:

Monthly Payment: €85.61
Total Amount Repaid: €1,027.32
Total Cost: €27.32

This example is for illustrative purposes only.

⚠️ Responsibility

Users are solely responsible for the agreements they make. Any financial transactions may be processed through third-party providers.

✨ Why use Kredy?

Clear agreements between individuals
Avoid misunderstandings
Easily track reimbursements
Centralize important information