Terms of use

Terms of use

In force from 2026-08-24.

1. Service provider and our role

The site PrivatiPaskola.lt is operated by NET Partner OÜ (registered in Estonia, reg. no. 11299597, Narva, Estonia). The service is provided to Lithuanian users under the EU freedom to provide services.

We provide a listings publishing service — technically like the classifieds sections of portals such as skelbimai.lt. We are not:

• a bank or credit institution;
• a lender;
• a financial or credit intermediary within the meaning of the Consumer Credit Law;
• a peer-to-peer lending platform operator licensed by the Bank of Lithuania;
• an investment-services provider.

Legal basis of our activity. We provide an information-society service (hosting and storing listings) under the Law on Information Society Services and EU Directive 2000/31/EC. A loan between two individuals is governed by the Civil Code (Art. 6.870–6.875) and is not consumer credit. Full list — on the page legal basis.

2. Our service

• Publish a listing on the portal;
• Store the listing until it expires (30 days);
• Provide tools for communication between users.

3. What we do not do

• We do not guarantee that deals are performed;
• We do not verify users' identity (unless stated separately);
• We do not take part in financial deals between parties;
• We do not provide financial or legal advice.

4. User responsibility

The user is responsible for the truthfulness of the listing, verifying identity before a deal, drawing up the agreement and declaring taxes. We recommend always using a written agreement, and a notarised one for large amounts.

Contacts and communication. The ad author chooses whether to show their contacts publicly or hide them. If contacts are hidden, the interested person leaves their email address, which we pass to the ad author. The author's contacts are never revealed automatically — the author decides whether to reply. By submitting an email, the user agrees that it is passed to the ad author to make contact about that specific ad.

5. Prohibited actions

• Listings with a false identity or data;
• Demanding advance "fees";
• Systematic, commercial lending activity without a Bank of Lithuania licence;
• Identity theft, document forgery.
• Attempts to test payment cards or use someone else's/stolen cards and payment methods ("card testing"); automated (bot) activity and creating multiple accounts to bypass limits.

6. Account blocking

We reserve the right to block an account without explanation upon any prohibited action or justified complaints.

7. Payment

The first 5 listings are free, then €3 per listing (+€5 for Premium). Any change to the fees will be announced in advance.

Important: the fee is charged only for posting a listing on the platform. We take no commission on the loan amount and do not systematically match borrowers with lenders — so we are not a credit intermediary and need no Bank of Lithuania licence.

Fraud prevention. Payments are processed by Stripe. To protect users and our payment partners, we may apply additional verification (e.g. 3D Secure), delay or decline suspicious payments and limit the number of attempts. If we detect card testing or the use of someone else's payment methods, we block the account, cancel the listing and, where necessary, notify the payment service provider and the competent authorities.

7a. Right of withdrawal and refunds

For listings published from 19 June 2026, a 14-day right of withdrawal applies (EU Directive 2023/2673). Publishing a listing is a service performed immediately, therefore:

• You may withdraw a listing within 14 days — in the cabinet with the “Withdraw listing” button or by notifying us.
• On withdrawal we refund the fee in proportion to the unused period (pro-rata of 30 days). No refund for days already used.
• The refund returns to the same card within 5–10 banking days; the listing is removed. Premium is part of the same listing and is refunded proportionally.

Statistics access (€2) is a separate digital service performed immediately. Access and the PDF report open right after payment, so the right of withdrawal does not apply to it. For Premium, statistics are free. More: Right of withdrawal.

8. Liability

We are responsible only for the technical provision of the service. We are not liable for losses arising from deals between users that are not performed.

9. Dispute resolution

Courts of the Republic of Lithuania. Applicable law — the laws of the Republic of Lithuania. Consumer disputes are also handled by the State Consumer Rights Protection Authority (VVTAT).

10. Contact

For all questions — info@privatipaskola.lt.