Terms of Use of the Gjeldsmonitor Website


Whenever a certain concept is capitalised in the documentation, compilations and correspondence prepared on the basis of these Regulations, it should be assumed that it has the following meaning:

  • iLogic – Inventive Logic limited liability/limited partnership company with headquarters in (80–386) Gdansk, ul. Lęborska 3B, registered in the Register of Entrepreneurs of the National Court Register (KRS), kept by the District Court Gdansk–Polnoc in Gdansk, VII Commercial Department of the National Court Register, under KRS number 0000709320, NIP number: 957–09–36–720, which is a party within the Contract with the Customer and the owner of the Gjeldsmonitor website;
  • Client – a natural person, a legal person or an organisational unit with legal capacity that makes use of the services provided by iLogic.
  • Consumer – a Customer, i.e. a natural person using the Services via the Website for purposes not directly related to his business or professional activity.
  • Website or Gjeldsmonitor - means the Gjeldsmonitor app and the gjeldsmonitor.no website with all its subpages, links and other functionalities, through which the Services are offered to Clients.
  • Bisnode Report – a financial report prepared on the basis of the laws of the Kingdom of Norway and provided by Dun & Bradstreet Norway AS, reg. no. 975374939, Langkaia 1, 0150 Oslo, Norway on the basis of the contract for supply of services against payment for the owner of the Gjeldsmonitor website in order to make it available to the Customers concerned, at their request. The Bisnode report includes credit scoring, address data, information on income amounts from the last 3 annual tax returns, information on debt collection processes.
  • Bank ID – identity authentication service provided by Criipto APS, org. no. 921967853, Dronninggårds Allé 136, 2840 Holte, Norway on the basis of the contract with iLogic.
  • Form – a functionality available electronically on the Website, a social networking site or other pages, through which the Customer provides their personal data necessary or helpful in the process of using the Service and/or to transfer the data to the Partner;
  • Personal Data – all information enabling the identification of a Customer who is a natural person, including data on his family, financial or professional situation, property, etc.;
  • Service – subscription which consists of the following elements:
    1. a tool for managing one's own financial liabilities, including functionalities such as: sending reminders and notifications, informing about changes in interest rates, indicating the repayment progress, informing about the debt status and interest rate on the credit card, information about the credit history (‘Tool’),
    2. an educational component concerning practical advice on managing your own finances, such as instructions for resigning from a credit card, instructions for overpaying a loan, presentation of a full repayment plan, etc. (‘Education’),
    3. an analytical component which, based on historical data and basic customer information, presents simulations of refinancing of selected debts in a manner which is optimized in terms of protection against blockade and reduction of creditworthiness (‘Analytics’).
    4. A personal component, consisting in the possibility of contacting the Customer (by phone, e-mail, SMS, MMS, WhatsApp, Gjeldsmonitor chat) in order to directly present the results of Analytics, i.e. to present optimal possibilities of refinancing of liabilities, as well as to provide support in establishing cooperation and use of the Partner's Services, including by collecting the necessary data and providing it to the Partner (‘Assistant’).
    5. Possibility to obtain the Bisnode Report free of charge. The cost of obtaining the Bisnode Report is covered by the owner of the Gjeldsmonitor website. The condition for obtaining the Bisnode Report free of charge is the consent to the presentation of marketing and commercial content to the Customer by the Website owner to the provided e-mail address, as well as by phone, via SMS/MMS, via WhatsApp and Gjeldsmonitor chat, as well as the consent to sharing the Bisnode Report by iLogic for the Partner in order to prepare and present offers related to the refinancing of the Customer’s liabilities. The use of the Bisnode Report via the Website will be confirmed by the supplier by sending an information letter to the Customer's address.
  • Partner Service – a Service provided directly by the Partner to the Customer under a contract concluded between them. iLogic is not a party to Client contracts with Partners, nor is it responsible for their services. iLogic's role is only to promote (via marketing) the Partners. Partner Services may include financial products, such as: consumer loan contracts, including refinancing of liabilities, consolidation loans. The Customer decides whether to use the Partner's service on their own, based on marketing (promotional) material presented by iLogic. Partner Services may be payable.
  • Partner – the service provider indicated in iLogic promotional materials, promoted by iLogic on the basis of a cooperation contract concluded with iLogic. The Partner is a professional entity operating according to the law applicable to the market in which it operates, which is independently responsible for the services provided to the Clients. The current list of Partners, broken down by types of Services provided, can be found on the Website at: www.multinorfinans.no/partners.
  • Contract – a contract for the provision of Services concluded between the Customer and iLogic, which has the nature of a service provided remotely, without the simultaneous presence of the parties, confirmed by electronic means in a message sent to the e-mail address provided by the Customer;
  • Regulations – these ‘Terms of Use of the Gjeldsmonitor Website’.




  1. The use of the Services via the Website is only possible once the Customer has read the Regulations, as well as Appendix No. 1 (Privacy Policy), accepted its provisions without reservation and undertaken to comply with them.
  2. iLogic may require additional consents, depending on the method of providing the Service. In particular, this applies to obtaining benefits free of charge, the cost of which is borne by the owner of the Website. In return for incurring such a cost and making the Bisnode Report available, iLogic expects optional consents of a marketing nature and regarding the sharing of personal data with the Partners to the necessary extent.
  3. The Website provides the Services.
  4. The Customer is obliged to familiarise themselves with all the terms of cooperation with the Partner, e.g. regulations or tariffs of fees and commissions. iLogic is not a plenipotentiary or an agent and is not authorised in any way to act on behalf or to the benefit of the Partner. With the support of iLogic, the Customer makes contact with a Partner (e.g. by redirecting to the website or providing contact details) and voluntarily establishes direct cooperation with them.
  5. The Services are provided by iLogic free of charge. The Partner Services may be payable on the basis of a separate contract concluded between the Customer and the Partner.
  6. The information about Partner Services is for illustrative purposes only and does not constitute an offer within the meaning of civil law.
  7. All Partner Services are provided by the Partner on the basis of a separate contract with the Customer. These regulations do not apply to the Client's cooperation with the Partner.
  8. Partner Services are provided in accordance with the law applicable to the place of its provision.
  9. The Partner is responsible for providing the service in accordance with applicable law.
  10. The Customer acknowledges that all of the contracts concluded with the Partner are done so at their own will, voluntarily and at their own risk. iLogic is not a party to these contracts, has no influence over them and is not responsible for their content or the manner of their implementation.
  11. The Customer acknowledges that the Partner may refuse to provide the service to the Customer, provided that it remains in accordance with a given Partners' terms of provision of services or applicable local law.
  12. iLogic's activities in the field of loans do not constitute financial advice, but consist in acting as the so-called associating entity. This term is understood as an entity that merely leads – directly or indirectly – to such association between the consumer and a lender or a loan intermediary. iLogic's activity does not go beyond the general presentation of the Partner and their Offer and providing with data that enables to make further contact.
  13. The Customer acknowledges that the condition for establishing cooperation with the Partner or obtaining a financial service may be communicative knowledge of Norwegian language.




  1. iLogic provides Services remotely – using the ICT system, i.e. via the Website, e-mail and other means of communication, in particular by phone, via SMS, VoIP or other instant messengers (Whatsapp, Gjeldsmonitor chat) – in accordance with the will and preferences of the Customer. Part of the Website's functionality may only be available after using a link sent to the Customer by e-mail or after logging in.
  2. Customer may completely resign from the Service or its part at any time.
  3. Contact with iLogic in the matter and in connection with the provision of Services may only occur in one of the following forms:
    • by e-mail to the address: epost@gjeldsmonitor.no or other direct e-mail address of an advisor dealing with the Customer’s case;
    • using the contact form on the Website;
    • by phone, from Monday to Friday from 8:00 to 16:00, to the following telephone numbers:
      • - Polish–speaking clients: +47 21 999 413, +48 58 731 96 59,
      • - Norwegian–speaking clients: +47 21 984 118,
      • - English–speaking clients: +47 21 984 119,
      • - Lithuanian–speaking clients: +47 21 999 417,
      • - Russian–speaking clients: +47 21 988 830;

    In the case of a telephone contact from the Customer calling within the same area code, the connection fee is charged as per regular telephone connection, in accordance with the individual provider's tariff package; in the case of telephone contact from the area code other than the one from which the Customer is calling, the Customer may be charged with additional fees related to the telephone connection, in accordance with the individual provider's tariff;

  4. The condition of using the Website is that Customer has access to a computer hardware or other electronic device with properly installed up–to–date software that allows browsing websites and access to the Internet, as well as a correctly configured e-mail account.
  5. iLogic makes sure to provide Clients with constant access to the Website. iLogic does not, however, guarantee a continuous, uninterrupted and proper operation of all or some of the Website's functionalities without any errors. iLogic is not responsible for any damages or lost profits incurred by Customers due to interruptions in access to the Website, especially if they are caused by factors beyond iLogic's control, including in particular force majeure, Internet outages, as well as equipment defects or incompatible Client equipment or software.
  6. iLogic reserves the right to suspend or limit all or some of the Website's functionalities, as well as to add, change, supplement or delete data, content and information posted on the Website – at any time, without giving a reason or informing Customers about these changes.
  7. It is forbidden for the Customer to provide illegal content, including content that violates the personal rights of third parties, inciting a criminal act, as well as statements that are vulgar or offensive to iLogic or third parties.
  8. The content of the Website and all data contained therein, as well as trade names, descriptions and trademarks published on the Website are subject to legal protection, and any use thereof may only take place with the prior written consent of iLogic or other appropriate entity.
  9. iLogic reserves the right to refuse to provide Services to Customers who violate the provisions of the Regulations, or to withdraw from the Contract at any time, in particular in the following cases:
    • in the event of becoming aware of a breach of the Regulations – including, in particular, a prohibition on providing unlawful content;
    • if iLogic has information or reasonable suspicion that the Customer has provided false data in the course of the Services provided;
    • if the information provided by the Customer are incomplete and do not allow for the proper performance of the Service; or
    • if the Customer, in contact with iLogic, acts against the principles of social coexistence, in particular by requesting iLogic to take actions or provide services that are outside the scope of the Contract or by inciting iLogic to perform the Service in such a way that its result could be used unlawfully or constitute a misuse of the Service;
    • if, according to a reasonable assessment of iLogic, the facts presented by the Customer or determined by iLogic indicate the intricate or particularly complex or non–standard nature of the case causing the need to incur disproportionate expenditure in order to provide the Service.




  1. Submission of an explicit declaration of will to be bound by the Contract by accepting the Regulations and Privacy Policy or submission of an explicit declaration of will to be bound by the Contract during a phone conversation is tantamount to concluding a Contract with iLogic.
  2. iLogic provides the Services solely based on the data, documents and information, as well as explanations provided by the Customer, and in the case of using the Bisnode Report Service - based on the data contained in its content.
  3. The Services are provided by iLogic under the conditions set out in these Regulations. The scope of the Services provided or the manner of their performance may change in accordance with the Regulations.
  4. After accepting the Regulations, the Customer receives a confirmation of the conclusion of the Contract, sent by iLogic to the e-mail address provided by the Customer in the Form, i.e. one or more e-mail messages containing in particular these Regulations together with information on how to resign from the Services (withdrawal from the Contract).
  5. The Customer may voluntarily indicate on the Website the Services they are interested in.
  6. In order to register on the Website, it is necessary to log in using the Bank ID service.
  7. As a rule, iLogic does not accept documents or document scans from the Customers. In exceptional cases, at the Customer's request, iLogic can help in transferring data to the Partner.
  8. iLogic also sends the Customer an e-mail, SMS or otherwise contained link to the website of the chosen Partner. The establishment of cooperation with a Partner takes place outside the Website.
  9. As a rule, the Customer interested in cooperation with the Partner is to register independently on the Partner's web portal. In some cases, data may be transferred to the Partner in order to prepare an offer of the Partner Service.
  10. Phone calls can also be recorded, which is the fact the Customer is informed about at the very beginning of such call. If the Customer does not agree to for the conversation to be recorded, they should terminate the connection and use the form available on the Website or contact iLogic in another way. iLogic may also arrange a conversation with the Customer using an instant messenger that allows sharing of Customer's computer screen – the data or recordings from such video calls will not be stored by iLogic.
  11. Using the Service in the scope of the Assistant and the Bisnode Report requires providing both a phone number and an e-mail address.
  12. When the Service consists in promoting a product that is a consumer loan within the meaning of the Act of 12 May 2011 on consumer loan (Polish Journal of Laws from 2016, item 1528 as amended) and Directive 2008/48/EC of the European Parliament and Council of 23 April 2008 on consumer loan contracts and repealing Council Directive 87/102/EEC (Journal of Laws EU L 133, 22/05/2008, p. 66), the provisions of ‘Special rules for consumer loans’ apply.




  1. The provisions of this chapter shall apply only if the Service applies to a product that is a consumer loan within the meaning of the Act of 12 May 2011 on consumer loan (Polish Journal of Laws from 2016, item 1528 as amended) and Directive 2008/48/EC of the European Parliament and Council of 23 April 2008 on consumer loan contracts and repealing Council Directive 87/102 / EEC (Journal of Laws EU L 133, 22/05/2008, p. 66).
  2. All data and information about a consumer loan to which the provisions of legal acts referred to in paragraph 1. apply are prepared by the Partner only, and iLogic is not responsible for them. On its own, iLogic can only present hypothetical and educational materials, including simulations of changes in interest rates, the number of installments, overpayments, etc., which do not relate to a specific consumer loan offer.
  3. The advertisements and information on consumer loan presented on the Website, containing the data about the cost of a consumer loan, in particular the interest rate, are provided to the Consumer in an unambiguous, understandable and visible way.
  4. Where applicable, the duration of the contract, the total amount to be paid by the Customer, i.e. Consumer, as well as the amount of instalments and other elements required by law can also be provided;
  5. The information referred to in section 2 and 3 above are provided on the Website based on a representative example prepared by the indicated Partner.
  6. The indicated Partner determines the actual annual percentage rate and the total amount to be paid by the Customer based on the information obtained from the Customer regarding the components of a Product selected by the Customer. If the Customer fails to provide such information, the Partner determines the actual annual percentage rate and the total amount to be paid by the Customer based on a representative example.
  7. The Customer acknowledges that the Partner, i.e. a credit intermediary or a bank, may be required to assess the creditworthiness of the Customer, i.e. consumer. The assessment of creditworthiness is performed based on the following information – the Personal Data obtained from the Customer, or from the relevant databases or Institution's data sets (if applicable). The Customer may be required to provide the subjects with all documents and information necessary to assess creditworthiness.
  8. iLogic does not conduct any final, independent assessment of Customer creditworthiness and is not responsible for the result and reliability of any such research.
  9. The Partner or the bank has the right refuse to submit an offer, grant a consumer loan or conclude a contract, for which iLogic is not responsible.
  10. The Partner, as obliged by the applicable law, shall provide the Customer with all the necessary explanations regarding the information provided before the conclusion of the consumer loan contract, as well as the content of a contract to be concluded – in a way that makes it possible for the Consumer to decide on the conclusion of a contract (i.e. benefit from an offer). Notwithstanding the above, the Customer should immediately report any doubts in this respect.
  11. The Client receives a free draft consumer loan contract if, in the bank's opinion, they meet the conditions for a consumer loan. iLogic does not perform any assessment of the fulfilment of the conditions for a consumer loan by the Customer and does not decide on whether to grant it.
  12. Before concluding a contract based on the offer, the Customer may receive an information form containing detailed, specific information regarding the terms of such offer.




  1. iLogic undertakes to perform the Service by acting with due diligence required of a professional entity.
  2. iLogic declares that it is not responsible for any consequences of the Customer providing false, incomplete or fragmentary data in the course of using the Partner Services.
  3. iLogic does not guarantee that the data presented on the Website or the Offers prepared by an Institution are free of errors. The role of iLogic is limited to providing space for publication thereof on the Website.
  4. iLogic is not responsible for the timeliness and accuracy of the data obtained from the Bisnode Report. The Customer acknowledges that this content is prepared only by their supplier, and the role of iLogic is limited to ordering the Bisnode Report, paying for this service and its presentation to the Customer.
  5. Any claims arising from the defects in the Service performed are recognised in the complaint procedure in accordance with § 7 of these Regulations.




  1. If the Customer finds defects in the Service performed or that iLogic violates the Regulations, the Customer has the right to lodge a complaint with iLogic.
  2. The complaint should:
    • - be sent within the complaint form or a corresponding one available on the Website or by e-mail to the following address: epost@gjeldsmonitor.no – immediately after the occurrence of the circumstances justifying its submission, preferably not later than within 7 days from the Customer becoming aware of such circumstances,
    • - contain the reason for lodging the complaint and specify the scope of the Customer's request,
    • - contain current Customer data enabling a return contact from iLogic,
    • - indicate other circumstances relevant to the case.
  3. The deadline for receipt of a complaint is understood as the day it was introduced into the electronic means of communication in such a way that iLogic could become familiar with its content. In each case, the Customer will receive a confirmation of the receipt of the complaint to iLogic by e-mail or SMS.
  4. iLogic is obliged to consider the complaint within 30 days from the day of its receipt by iLogic. The settlement of the complaint by iLogic is final and may not be appealed against to iLogic.
  5. In the event of failure to respond to the complaint within the time limit referred to in the previous sentence, the complaint shall be deemed accepted.




  1. The service is subscription-based, i.e. is continuous and is considered to be executed with the termination of the contract by the Customer or iLogic.
  2. Pursuant to the provisions of the Act of 30 May 2014 on consumer rights, the Customer, i.e. Consumer, has the right to withdraw from the Contract without giving a reason and with no costs incurred within 14 days of its conclusion. At the same time, in accordance with these Regulations, the Customer may resign from the Service at any time, without time limits. By accepting these Regulations, the Customer acknowledges that the statement of withdrawal from the Contract referred to in the preceding sentence may be submitted within the form, a template of which is attached as Appendix 2 to the Act of 30 May 2014 on consumer rights or via the form which template is delivered to the Customer on a durable medium – along with information sent after the conclusion of a Contract.
  3. Bearing in mind that iLogic is not a party to the contract regarding a Partner Service, the Customer may not submit a statement of withdrawal from the contract concluded with a Partner through iLogic.
  4. The Customer may terminate the Contract with iLogic at any time by sending an e-mail to epost@gjeldsmonitor.no or by phone, from Monday to Friday from 8:00 to 16:00, at the following numbers:
    • Polish–speaking clients: +47 21 999 413, +48 58 731 96 59,
    • Norwegian–speaking clients: +47 21 984 118,
    • English–speaking clients: +47 21 984 119,
    • Lithuanian–speaking clients: +47 21 999 417,
    • Russian–speaking clients: +47 21 988 830;
  5. iLogic may terminate the Contract at any time in accordance with applicable regulations. In this case, the Customer will receive a statement of withdrawal from the contract from iLogic to the e-mail address provided in the Form or in writing – by registered mail.




  1. These Regulations, in conjunction with the Privacy Policy, govern the manner in which iLogic provides all Services through the Website in a full, comprehensive and exclusive manner, unless a duly authorised representative of iLogic, authorised to make declarations of will on behalf of iLogic, makes an expressive agreement with the Customer saying otherwise, which can be confirmed on a durable medium.
  2. In matters not covered in the Regulations, the generally applicable provisions of the Polish law shall apply. This provision, however, does not affect other mandatory provisions of law, as well as the obligation to apply regulations, other than the Polish law, which may be applicable to the Customer, i.e. Consumer.
  3. Disputes are resolved by a competent common court determined in accordance with the relevant, applicable regulations, and if the Customer is not a Consumer – the disputes will be resolved by the court of jurisdiction over iLogic's office and only in accordance with Polish law.
  4. The Customer has the right to use extrajudicial methods of dealing with complaints and claim assertions arising from Contracts concluded with iLogic. The Customer, being also a consumer, may also have the right to refer the case for consideration by entities authorised to conduct proceedings on the out–of–court resolution of consumer disputes. Information on this subject can be found on the website (in Polish) http://www.polubowne.uokik.gov.pl/
  5. These Regulations are made available free of charge on the Website and are also forwarded to the Customer on a durable medium (e-mail), together with the confirmation of order; they can also be made available at each Customer's request – in a form that enables its reproduction and recording by the ICT system used by the Customer.
  6. iLogic reserves the right to change the scope and manner of providing Services, as well as to carry out and cancel promotional campaigns.
  7. iLogic reserves the right to amend these Regulations. Any changes to the Regulations come into force within 14 days from the date of their announcement or transfer to the Customer and apply also to the further implementation of the Contracts concluded before that date, unless the Customer raises objections to the changes – in this case, the Contract shall be terminated upon the entry into force of the amended Regulations.



Appendix 1: Information about the processing of personal data (Privacy Policy).

Published: 30/12/2022