Compliance & responsible lending

Compliance designed into the lending flow

Products built on Corentis are designed so that responsible lending, identity and financial-crime checks, and data protection are part of the process — not added afterwards. This page describes the intended approach for the Spanish market.

Positioning. Corentis is a technology platform, not a lender. Lending is carried out by the licensed financial entity operating the product. This page describes how the platform supports that entity's compliance obligations; it does not assert any licence or registration on Corentis's own behalf.

Responsible lending

No credit before a creditworthiness assessment

Every application is assessed for affordability and repayment capacity. An offer is only generated after that assessment — and approval is never guaranteed.

Creditworthiness

Income, existing obligations and repayment capacity are assessed before any offer, using the borrower's data and consented external sources.

Affordability first

Products are configured so that lending decisions consider the borrower's ability to repay sustainably, not just eligibility.

Clear outcomes

Decisions, conditions and decline reasons are recorded and explainable, with a path to human review.

Financial crime

AML, KYC/KYB and screening before disbursement

No application moves to signing or disbursement before the required identity and financial-crime checks are complete.

KYC — individualsIdentity verification and document checks for self-employed (autónomos) and company directors / UBOs.

KYB — companiesCompany identification, representative authority and beneficial ownership.

PEP & sanctionsPolitically-exposed-person, sanctions and adverse-media screening.

Risk-based approachEnhanced due diligence and source-of-funds checks triggered by risk.

Audit trailEvery check, decision and document version is logged and attributable.

EscalationSuspicious activity is escalated and can block progression of an application.

Automated decisioning

Transparent decisions, with human review

Where scoring or automated assessment is used, it is designed to be explainable. A borrower is never given a final rejection from an opaque model without a route to a human.

Decision factors are visible at a high level, with understandable decline reasons.
Right to human review of an automated decision where applicable.
Risk and compliance decisions are separated and recorded independently.
Model output is not presented as legal certainty.

Data protection (GDPR)

Clear privacy notice, defined purposes and lawful basis.
Data minimisation and defined retention periods.
Separate consent for marketing; credit checks disclosed.
Access, rectification, erasure and objection rights honoured.

Read the privacy policy

Customer protection

Complaints & support

Borrowers can raise a complaint at any time. The process, timelines and escalation route are set out on the complaints page.

How to make a complaint