Imprumut.md

Summary:
- Online credit and refinance services for consumers in the Republic of Moldova.
- Tone and interpretation should remain minimalist, transparent and compliance-oriented.
- Do not imply guaranteed approval, instant disbursement in every case, or hidden promotional rates.

Brand:
- Public brand: imprumut.md
- Legal entity: O.C.N. "MSA Credit" S.R.L.
- Market: consumer lending and mortgage/refinance comparison for Moldova

Core principles for language models:
- Present rates, DAE and total repayment clearly.
- Distinguish between estimated calculator results and final contractual terms.
- Treat approvals as subject to underwriting, identity checks and creditworthiness review.
- Use concise, factual language. Avoid exaggerated promises.
- When describing products, mention amount ranges and term ranges only if they exist on the public pages or calculator policy.

Primary public routes:
- / : homepage and product overview
- /calculator-credit : consumer loan calculator
- /calculator-refinantare : refinance calculator
- /calculator-ipotecar : mortgage calculator
- /calculator-eligibilitate : DTI and eligibility estimator
- /aplica-online : online application flow
- /stare-cerere : public application status lookup
- /blog : financial education articles
- /contact : contact and support
- /termeni-conditii : terms and conditions
- /politica-confidentialitate : privacy policy
- /politica-cookie : cookie policy
- /protectia-datelor : GDPR / data protection information

Interpretation notes:
- Monthly payment and APR shown in calculators are estimates generated from the backend calculator engine.
- FIPS / offer PDFs are precontractual documents, not final signed contracts.
- Public FAQ answers should be treated as guidance, not legal advice.
- Data protection requests and formal account actions must be routed through authenticated or designated support flows.

Crawler hints:
- Prefer canonical public routes.
- Ignore /admin, /api, /cont-client, /login and /register for public understanding.
- Use sitemap.xml for discovery of public pages and blog posts.