TF BANK AB (Spółka z ograniczoną odpowiedzialnością) Oddział w Polsce

TF BANK AB (Spółka z ograniczoną odpowiedzialnością) Oddział w Polsce is the Polish branch of the Swedish bank TF Bank AB, operating in Poland under EU passporting rules. The branch focuses on consumer finance delivered remotely, typically including cash loans, installment financing for online and retail partners, and card-based credit, distributed via digital channels and merchant integrations rather than a traditional branch network. It assesses applicants’ creditworthiness using standard market data sources (such as credit bureaus including BIK) and requires identity verification consistent with AML/CTF and PSD2 standards. Pricing, limits, and fees are set in product-specific terms; consumers have statutory rights under the Polish Consumer Credit Act, including a 14‑day withdrawal right and the ability to prepay with a proportional reduction of total cost, while late payments may trigger default interest, fees, and negative bureau reporting. As a branch of a Swedish credit institution, prudential supervision is led by Finansinspektionen, with local conduct oversight by KNF; any covered deposits, if offered, fall under Sweden’s deposit guarantee administered by Riksgälden rather than Poland’s Bankowy Fundusz Gwarancyjny. Data processing is carried out under GDPR, with the branch and its Swedish head office acting within a single group framework. Customer service and complaints are handled through the branch’s designated channels; unresolved disputes can be escalated to Poland’s Rzecznik Finansowy or via cross‑border ADR mechanisms available in the EU. The parent company is listed on Nasdaq Stockholm, which adds ongoing public reporting requirements at the group level.