General Terms and Conditions for Lead Partners

Effective from: August 13, 2025

These general terms and conditions (the “Terms”) govern the mediating of financing services between Krea Technology AB, reg. no. 559173-2895 (“KREA”), and the party collaborating with KREA (the “Partner”). By using KREA’s services, submitting applications, or otherwise cooperating as described below, you confirm that you have read, understood, and accepted these Terms and that you are authorized to enter into an agreement on behalf of the Partner.

1. Background

1.1 The Partner provides services aimed at corporate customers (“Customer”).

1.2 KREA conducts, among other things, brokering of loans, factoring, and other financing services (“Financing”) for companies in Sweden. KREA offers a service that enables companies in Sweden to apply for Financing (“Application”) from various lenders. The lenders with which KREA cooperates make independent decisions about whether, and on what terms, the Customer will be offered to enter into an agreement for Financing (“Financing Agreement”). The Customer decides whether to accept a financing offer (“Financing Offer”). The service is based on a business system (the “System”) that KREA provides to the Customer and lenders via KREA’s website and KREA’s advisors.

1.3 The purpose of this agreement (the “Agreement”) is for the Partner to help its Customers obtain suitable Financing through KREA’s offering.

1.4 Each Party is responsible for obtaining any necessary permits from relevant authorities for its own operations.

2. KREA’s Obligations

2.1 KREA shall broker Applications submitted by the Partner’s Customers or by the Partner. KREA reserves the right to reject certain Applications if, for example, they are deemed irrelevant or do not comply with KREA’s internal guidelines.

2.2 When an Application is submitted, KREA will retrieve a credit report on the Customer as well as other information.

2.3 KREA has the right to request relevant information from the Partner to supplement the Application.

2.4 KREA undertakes not to disclose information about Customers to any third party for purposes other than processing the Application or fulfilling its obligations under this Agreement or as required by laws and other regulations.

2.5 KREA grants the Partner access to the System, which allows the Partner to monitor Applications submitted by the Partner or its Customer.

3. The Partner’s Obligations

3.1 Through its communication channels, the Partner shall mediate Applications from Customers to KREA.

3.2 The Partner shall plan any sales campaigns together with KREA.

3.3 The Partner undertakes not to make any guarantees regarding Financing to the Customer or otherwise make any commitment on behalf of KREA.

3.4 The Partner further undertakes not to claim to represent KREA.

3.5 The Partner shall follow the instructions provided by KREA regarding reconciliation and invoicing. As a general rule, invoicing is based on a monthly reconciliation.

4. Processing of Personal Data

4.1 Each Party is responsible for ensuring that it processes personal data in compliance with applicable data protection legislation (including, but not limited to, statutes, regulations, authority directives, and case law). Each Party guarantees that:

4.1.1 it has taken all necessary measures to comply with applicable data protection legislation, including, where applicable, obtaining the Customer’s consent for the processing of personal data.

4.2 In addition to and without prejudice to Section 4.1 above, the Partner is responsible for establishing the necessary agreements with the Customer or obtaining the Customer’s consent, to the extent required to enable the transfer of the Customer’s personal data to KREA and potential lenders in accordance with the purpose of this Agreement.

5. Remuneration

5.1 The Partner has the right to receive compensation from KREA for mediated Financing.

5.2 An Application is deemed to be mediated by the Partner if the Partner created the Application in the System or if the Customer created an Application where there is digital tracking (e.g., UTM source) showing that the Application was mediated by the Partner.

5.3 Financing that the Partner brokers, which leads to a disbursement to the Customer by a lender during a calendar month, is referred to below as the “Disbursed Amount.” Financing is considered Disbursed Amount from the day the capital is disbursed, or from the day of the first partial disbursement if disbursed in multiple tranches.

5.4 The transaction is deemed to be mediated by the Partner if an Application has resulted in a Disbursed Amount within six (6) months after the Application was created.

5.5 If a new Application is created, a new six (6) month period begins.

5.6 “Disbursed Amount” is the amount stated in the Financing Agreement that the Customer has entered into with the lender as a result of the Application. KREA has the right to adjust the Disbursed Amount from case to case if KREA deems that the amount in the Financing Agreement is misleading.

5.6.1 Business Loans and Business Leasing: KREA shall pay the Partner a one-time fee of 1.5% of the Disbursed Amount up to SEK 2,000,000, and 0.75% on the portion of the Disbursed Amount that exceeds SEK 2,000,000.

5.6.2 Example: For a Disbursed Amount of SEK 4,000,000, KREA shall pay the Partner 1.5% of SEK 2,000,000 + 0.75% of SEK 2,000,000, i.e. a total of SEK 45,000.

5.6.3 Real Estate Loans: KREA shall pay the Partner a one-time fee of 0.75% of the Disbursed Amount.

5.6.4 Invoice Purchasing, Invoice Factoring and “buy-now-pay-later” financing: KREA shall pay the Partner a one-time fee of 1.5% of the value of the first month’s sold or financed invoices.

5.7 The compensation is invoiced to KREA no earlier than the 20th of each month, and the invoice relates to the preceding calendar month. Payment terms are 30 days. In the event of delay in undisputed payment, the reference rate in effect at any given time plus eight (8) percentage points under the Swedish Interest Act (1975:635) shall be charged from the due date until payment is made.

5.8 All compensations stated are inclusive of any value added tax (VAT).

6. Limitation of Liability

6.1 The Parties shall not be liable for direct or indirect damages incurred by one Party as a result of media exposure of the other Party.

6.2 The System that KREA provides is merely an information channel for the Partner and the Customer. KREA is not responsible for the accuracy of information provided by the Customer or, where applicable, co-applicant or the Partner. Nor is KREA responsible for the accuracy of credit reports regarding the Customer or any co-applicant. KREA bears no responsibility for the Customer’s ability to repay the Financing, as the lender makes the credit assessment. The Partner is not liable for direct or indirect damages incurred by the lender or KREA as a result of the Customer’s Financing Agreement with the lender, including but not limited to the lender’s credit losses or complaints relating to executed Financing Agreements.

6.3 Neither Party shall be responsible for damages caused by Swedish or foreign legislation, government actions, acts of war, strikes, blockades, lockouts, or other similar circumstances beyond the control of the Party.

7. Term of the Agreement

7.1 This Agreement enters into force upon signature and remains in effect until further notice with a mutual notice period of one (1) month. Notice of termination shall be made in writing.

7.2 The notice of termination shall be deemed to have been received by the other Party no later than five (5) business days after dispatch.

8. Early Termination

8.1 Either Party may terminate the Agreement with immediate effect if the other Party materially breaches its obligations under the Agreement and fails to remedy such breach within ten (10) business days of receiving written notice.

8.2 Either Party may also terminate the Agreement with immediate effect if the other Party repeatedly fails to fulfill its obligations under the Agreement.

9. Costs

9.1 Each Party shall bear its own costs arising in connection with the commitments stated above and any other costs incurred in connection with negotiations leading up to this Agreement and its implementation.

10. Non-Exclusivity

10.1 This Agreement is non-exclusive, meaning that the Parties are free to enter into similar agreements with others.

11. Confidentiality

11.1 The terms and conditions of this Agreement are confidential. The Parties undertake not to disclose or otherwise make available to any third party information obtained from the other Party under this Agreement. The confidentiality obligation does not apply to information that a Party can demonstrate was known to it prior to entering into this Agreement or that is publicly available. Nor does the confidentiality obligation apply to information that a Party is required to disclose pursuant to law, a final court ruling, or a decision by an authority.

11.2 Unless legally obligated or subject to other mandatory regulation, the Partner may not — either during the term of the Agreement or thereafter — indicate to or discuss with third parties any potential differences between the Financing Offers provided by lenders via KREA and the offers the lender may provide directly to the Customer, for example, regarding interest or fees. This applies both before and after any Financing Agreement is entered into.

11.3 The confidentiality obligation under this clause shall survive the termination of the Agreement.

12. Change to the Terms

12.1 KREA reserves the right to update or modify the Terms at any time. Changes will be notified to you by email. Continued use of our services constitutes your acceptance of the revised terms. If you do not agree with the updated terms, you may terminate the contract in accordance with the termination provisions outlined in clause 7.

13. Dispute Resolution

13.1 This Agreement shall be governed by Swedish substantive law.

13.2 Any disputes arising in connection with this Agreement shall be finally resolved by arbitration administered by the Arbitration Institute of the Stockholm Chamber of Commerce (SCC). The Rules for Expedited Arbitrations shall apply unless the SCC, considering the complexity of the case, the value in dispute, and other circumstances, decides that the Arbitration Rules shall apply. In the latter case, the SCC shall also decide whether the arbitral tribunal shall consist of one or three arbitrators. The seat of arbitration shall be Stockholm, Sweden. The proceedings shall be conducted in Swedish, and Swedish law shall apply to the dispute.

Contact Details

If you have any questions about this Agreement, please feel free to contact us:

KREA Technology AB

Phone: +46 8-551 082 62

Email: kundservice@krea.se