The signed application

Every application you receive comes with a PDF the client signed with a qualified electronic signature. It is the legal record of what the client asked for and agreed to; the JSON of GET /v1/applications/{applicationId} mirrors its content field by field. This page is for your compliance and legal teams.

Status: draft text under legal review. The first version will be published here with its templateVersion before the sandbox opens. Every later version is published here and sent to your contacts at least 30 days before it is first used, so you can review it.

Structure

The document is in Lithuanian, one or two A4 pages, titled Paraiška finansavimui gauti (application to obtain financing), addressed to UAB „Finto“ (company code 304851866).

Section	Content	JSON
Opening	"I, (name), submit this application to UAB „Finto“ and ask it to help me obtain the financing below."
1. Pareiškėjas (applicant)	Name, personal code, phone, email, address (when known), spouse	applicant, spouse.participation
2. Prašomas finansavimas (requested financing)	Product, amount, term (when asked)	request
3. Pajamos (income)	Table: source, how long received, net per month; spouse's incomes for a joint application	applicant.incomes, spouse.incomes
4. Finansiniai įsipareigojimai (obligations)	Monthly payments under existing obligations	applicant.obligations
5. Pinigų plovimo prevencijos klausimai (AML questions)	PEP question with details; own benefit question with the beneficial owner	applicant.pep, applicant.beneficialOwner
6. Kredito davėjai (lenders)	The creditor table, the request to pass the application on, the consent to the lenders' own checks	creditors
7. Prašymai ir patvirtinimai (requests and confirmations)	Points 7.1 to 7.9 below
Signature	Qualified electronic signature (Smart-ID or Mobile-ID)	signature

Text of the requests and consents

The wording below is the current draft, as it appears in the document. The English under each point is a translation for convenience; the Lithuanian text is the one the client signs.

Section 6, before the table:

Prašau šią paraišką ir joje pateiktus duomenis perduoti toliau nurodytiems kredito davėjams. Kitiems kredito davėjams be mano atskiro prašymo ji neperduodama.

I ask that this application and the data in it be passed to the lenders listed below. Without a separate request from me, it is not passed to other lenders.

Section 6, after the table:

Sutinku, kad kiekvienas lentelėje nurodytas kredito davėjas, vertindamas šią paraišką, pats gautų ir tikrintų mano duomenis kredito biuruose (pvz., UAB „Creditinfo Lietuva“), Valstybinio socialinio draudimo fondo valdyboje (Sodroje), Registrų centro tvarkomuose registruose, Lietuvos banko Paskolų rizikos duomenų bazėje ir kituose šaltiniuose, nurodytuose jo privatumo politikoje.

I agree that each lender listed in the table, when assessing this application, obtains and checks my data itself in credit bureaus (such as UAB "Creditinfo Lietuva"), with the State Social Insurance Fund Board (Sodra), in the registers kept by the Centre of Registers, in the Loan Risk Database of the Bank of Lithuania and in the other sources named in its privacy policy.

Section 7:

7.1. Patvirtinu, kad paraiškoje pateikti duomenys yra teisingi ir išsamūs.

I confirm that the data in the application is correct and complete.

7.2. Nežinau aplinkybių, dėl kurių artimiausiu metu galėtų sumažėti mano pajamos ar padidėti finansiniai įsipareigojimai. Jei iki sprendimo dėl finansavimo paraiškos duomenys pasikeis, apie tai pranešiu UAB „Finto“.

I know of no circumstances that could soon reduce my income or increase my financial obligations. If the data changes before a decision on the financing, I will inform UAB „Finto“.

7.3. Prašau UAB „Finto“ įvertinti, kokį finansavimą man realu gauti, ir tam gauti apie mane informaciją, kurią tvarko kredito biuras UAB „Creditinfo Lietuva“ (juridinio asmens kodas 111689163).

I ask UAB „Finto“ to assess what financing I can realistically obtain, and for that purpose to obtain information about me held by the credit bureau UAB "Creditinfo Lietuva" (company code 111689163).

7.4. Prašau 6 punkte nurodytų kredito davėjų įvertinti mano kreditingumą ir pateikti man finansavimo pasiūlymą.

I ask the lenders listed in point 6 to assess my creditworthiness and make me an offer of financing.

7.5. Sutinku, kad 6 punkte nurodyti kredito davėjai su manimi susisiektų dėl šios paraiškos ir praneštų UAB „Finto“ savo sprendimą, pasiūlymo sąlygas ir ar sutartis sudaryta.

I agree that the lenders listed in point 6 contact me about this application and inform UAB „Finto“ of their decision, the terms of the offer and whether an agreement was concluded.

7.6. Sutikimus, duotus 6 ir 7.5 punktuose, galiu bet kada atšaukti el. paštu info@finto.lt arba tiesiogiai kredito davėjui. Atšaukimas neturi įtakos iki jo atliktiems veiksmams.

I may withdraw the consents given in points 6 and 7.5 at any time, by email to info@finto.lt or directly with the lender. Withdrawal does not affect what was done before it.

7.7. Suprantu, kad UAB „Finto“ pati finansavimo neteikia ir kredito sutarties šalimi netampa, o sprendimą dėl finansavimo ir jo sąlygas priima kredito davėjas. Ši paraiška manęs neįpareigoja sudaryti sutarties, o UAB „Finto“ paslauga man nemokama.

I understand that UAB „Finto“ does not provide financing itself and does not become a party to the credit agreement, and that the lender decides on the financing and its terms. This application does not oblige me to conclude an agreement, and the service of UAB „Finto“ is free of charge for me.

7.8. Susipažinau su UAB „Finto“ paslaugų teikimo taisyklėmis ir privatumo politika, skelbiamomis finto.lt.

I have read the terms of service and the privacy policy of UAB „Finto“ published on finto.lt.

7.9. Paraišką pasirašau elektroniniu parašu. Parašo sertifikate esantys mano duomenys (vardas, pavardė, asmens kodas) naudojami mano tapatybei patvirtinti ir sutikrinti su paraiškoje nurodytu asmens kodu.

I sign the application with an electronic signature. My data in the signature certificate (name, surname, personal code) is used to confirm my identity and to match it against the personal code in the application.

Lenders are named in the table by legal name and company code. The document refers to each lender's privacy policy without a link: links change, the signed document does not.

The creditor table

• It lists the lenders that match the request (product, amount, term) when the client signs. The client sees it before signing.
• It is fixed by the signature: no lender can be added without a new signature. Finto never sends the application to a lender outside it.
• Every lender in the table sees the whole table, in the PDF and in creditors (your row has isYou: true). It contains no decisions or offers.
• Being in the table is required but not enough to receive the application: Finto sends it to the lenders whose rules match and who are connected.

The signature

• The client signs with Smart-ID or Mobile-ID through Dokobit's signing service. The result is a PDF with an embedded (PAdES) signature, stored and served exactly as the signing service returned it. Validate it with your usual tools. Sandbox PDFs are not signed (see sandbox.md).
• Finto sends through the API only applications signed with a qualified signature (signature.level is qes).
• The personal code in the signing certificate must equal the one in the application; Finto refuses a signature that does not match. signature.signerName and signature.signerPersonalCode come from the certificate.

Changes after signing

• Finto corrects data after signing only at the client's request and only for plain errors in contact data (a mistyped phone number or email). The application then gets a new version, versionNote says what changed and why, and you get application.updated. The signed PDF stays as signed.
• Any other change (income, obligations, amount, term, spouse, the PEP or beneficial owner answers) needs a new signature: a new signed document and a new signature.documentId.
• The spouse's identity, collected at your request (spouse_data), is added the same way, as data outside the signed document.

Consent withdrawal

The client may withdraw the consents of points 6 and 7.5 by writing to Finto or directly to you. What happens then is described in the lifecycle.