{"id":2,"date":"2026-07-08T14:02:20","date_gmt":"2026-07-08T14:02:20","guid":{"rendered":"https:\/\/odochian.eu\/CAR\/?page_id=2"},"modified":"2026-07-08T19:04:49","modified_gmt":"2026-07-08T19:04:49","slug":"termeni-si-conditii","status":"publish","type":"page","link":"https:\/\/odochian.eu\/CAR\/termeni-si-conditii\/","title":{"rendered":"Termeni si conditii"},"content":{"rendered":"


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\n Termeni \u0219i Condi\u021bii – C.A.R. P\u0103u\u0219e\u0219ti M\u0103gla\u0219i<\/title><\/p>\n<style>\n :root {<br \/>\n --albastru-inchis: #0A2540;<br \/>\n --albastru-mediu: #1A365D;<br \/>\n --rosu-accent: #E53E3E;<br \/>\n --galben-moderat: #D69E2E;<br \/>\n --gri-deschis: #F7FAFC;<br \/>\n --text-inchis: #2D3748;<br \/>\n --text-alb: #FFFFFF;<br \/>\n }<br \/>\n * {<br \/>\n margin: 0;<br \/>\n padding: 0;<br \/>\n box-sizing: border-box;<br \/>\n font-family: 'Segoe UI', Tahoma, Geneva, Verdana, sans-serif;<br \/>\n }<br \/>\n body {<br \/>\n color: var(--text-inchis);<br \/>\n background-color: var(--gri-deschis);<br \/>\n line-height: 1.7;<br \/>\n }<br \/>\n \/* Header Simplu *\/<br \/>\n header {<br \/>\n background-color: var(--text-alb);<br \/>\n box-shadow: 0 2px 10px rgba(0,0,0,0.05);<br \/>\n padding: 20px;<br \/>\n }<br \/>\n .header-container {<br \/>\n max-width: 900px;<br \/>\n margin: 0 auto;<br \/>\n display: flex;<br \/>\n justify-content: space-between;<br \/>\n align-items: center;<br \/>\n }<br \/>\n .logo {<br \/>\n font-size: 20px;<br \/>\n font-weight: bold;<br \/>\n color: var(--albastru-inchis);<br \/>\n text-decoration: none;<br \/>\n }<br \/>\n .logo span {<br \/>\n color: var(--rosu-accent);<br \/>\n }<br \/>\n .btn-back {<br \/>\n text-decoration: none;<br \/>\n color: var(--albastru-mediu);<br \/>\n font-weight: 600;<br \/>\n font-size: 14px;<br \/>\n }<br \/>\n .btn-back:hover {<br \/>\n color: var(--rosu-accent);<br \/>\n }<br \/>\n \/* Con\u021binut Document *\/<br \/>\n .policy-container {<br \/>\n max-width: 900px;<br \/>\n margin: 40px auto;<br \/>\n background: var(--text-alb);<br \/>\n padding: 40px;<br \/>\n border-radius: 8px;<br \/>\n box-shadow: 0 4px 6px rgba(0,0,0,0.05);<br \/>\n border-top: 4px solid var(--albastru-mediu);<br \/>\n }<br \/>\n h1 {<br \/>\n color: var(--albastru-inchis);<br \/>\n font-size: 28px;<br \/>\n margin-bottom: 10px;<br \/>\n border-bottom: 2px solid var(--galben-moderat);<br \/>\n padding-bottom: 15px;<br \/>\n }<br \/>\n .meta-date {<br \/>\n font-size: 13px;<br \/>\n color: #718096;<br \/>\n margin-bottom: 30px;<br \/>\n font-style: italic;<br \/>\n }<br \/>\n h2 {<br \/>\n color: var(--albastru-mediu);<br \/>\n font-size: 20px;<br \/>\n margin-top: 25px;<br \/>\n margin-bottom: 12px;<br \/>\n }<br \/>\n p {<br \/>\n margin-bottom: 15px;<br \/>\n font-size: 15px;<br \/>\n text-align: justify;<br \/>\n }<br \/>\n ul {<br \/>\n margin-bottom: 20px;<br \/>\n padding-left: 20px;<br \/>\n font-size: 15px;<br \/>\n }<br \/>\n li {<br \/>\n margin-bottom: 8px;<br \/>\n }<br \/>\n \/* Footer *\/<br \/>\n footer {<br \/>\n text-align: center;<br \/>\n padding: 30px;<br \/>\n font-size: 13px;<br \/>\n color: #A0AEC0;<br \/>\n background-color: var(--albastru-inchis);<br \/>\n margin-top: 60px;<br \/>\n }<br \/>\n @media (max-width: 768px) {<br \/>\n .policy-container { padding: 20px; margin: 20px 10px; }<br \/>\n h1 { font-size: 24px; }<br \/>\n }<br \/>\n <\/style>\n<p><\/head><br \/>\n<body><br \/>\n <!-- Header \/ Naviga\u021bie \u00eenapoi --><\/p>\n<header>\n <a href=\"\/\">C.A.R. P\u0103u\u0219e\u0219ti M\u0103gla\u0219i<\/a><br \/>\n <a href=\"\/\">← \u00cenapoi la prima pagin\u0103<\/a><br \/>\n <\/header>\n<p> <!-- Con\u021binut Termeni \u0219i Condi\u021bii --><br \/>\n <main><\/p>\n<h1>Termeni \u0219i Condi\u021bii de Utilizare<\/h1>\n<p> Ultima actualizare: Iulie 2026<\/p>\n<p>Prezentul document stabile\u0219te regulile, drepturile \u0219i obliga\u021biile care guverneaz\u0103 utilizarea site-ului web oficial al Casei de Ajutor Reciproc (C.A.R.) P\u0103u\u0219e\u0219ti M\u0103gla\u0219i. Prin accesarea \u0219i navigarea pe acest site, v\u0103 exprima\u021bi acordul deplin \u0219i necondi\u021bionat cu termenii prezenta\u021bi mai jos.<\/p>\n<h2>1. Rolul \u0219i scopul informativ al site-ului<\/h2>\n<p>Acest site web este o platform\u0103 de prezentare \u0219i un instrument de facilitare a comunic\u0103rii \u00eentre C.A.R. P\u0103u\u0219e\u0219ti M\u0103gla\u0219i \u0219i membrii s\u0103i (existen\u021bi sau poten\u021biali). Toate simul\u0103rile generate de calculatorul de \u00eemprumuturi au un <strong>caracter strict informativ \u0219i orientativ<\/strong>.<\/p>\n<p>Cifrele rezultate nu reprezint\u0103 un angajament contractual ferm, o ofert\u0103 comercial\u0103 final\u0103 sau o obliga\u021bie juridic\u0103. Contractele oficiale de \u00eemprumut, stabilirea giran\u021bilor \u0219i graficele de rambursare finale se calculeaz\u0103 prin softul intern \u0219i se semneaz\u0103 exclusiv \u00een form\u0103 fizic\u0103 la sediul institu\u021biei noastre.<\/p>\n<h2>2. Condi\u021bii generale de acordare a serviciilor<\/h2>\n<p>Serviciile de creditare \u0219i economisire prezentate pe site sunt adresate exclusiv persoanelor care de\u021bin sau dob\u00e2ndesc calitatea de membru al C.A.R. P\u0103u\u0219e\u0219ti M\u0103gla\u0219i, \u00een conformitate cu statutul asocia\u021biei \u0219i cu reglement\u0103rile legale aplicabile \u00een Rom\u00e2nia. Dob\u00e2nda nominal\u0103 utilizat\u0103 \u00een sistem este de <strong>15% pe an<\/strong>, aplicat\u0103 direct conform normelor interne aprobat de Adunarea General\u0103, f\u0103r\u0103 comisioane ascunse.<\/p>\n<h2>3. Utilizarea portalului \u0219i securitatea conturilor<\/h2>\n<p>\u00cen cazul \u00een care utiliza\u021bi zona securizat\u0103 dedicat\u0103 membrilor (Portalul de Login):<\/p>\n<ul>\n<li>Sunte\u021bi direct responsabil pentru p\u0103strarea confiden\u021bialit\u0103\u021bii datelor de acces (utilizator \u0219i parol\u0103).<\/li>\n<li>Informa\u021biile financiare vizualizate \u00een cont sunt preluate prin actualiz\u0103ri periodice securizate din programul local de contabilitate <strong>SICAR2009<\/strong>. Ele reflect\u0103 situa\u021bia fi\u0219ei dumneavoastr\u0103 de membru la data ultimei sincroniz\u0103ri men\u021bionate \u00een portal.<\/li>\n<li>C.A.R. P\u0103u\u0219e\u0219ti M\u0103gla\u0219i nu v\u0103 va solicita niciodat\u0103 datele de autentificare (parola) prin e-mail, telefon sau SMS. Orice solicitare suspect\u0103 trebuie raportat\u0103 imediat operatorilor no\u0219tri.<\/li>\n<\/ul>\n<h2>4. Drepturi de proprietate intelectual\u0103<\/h2>\n<p>\u00centregul con\u021binut al acestui site \u2014 inclusiv elementele de design, textele, simulatoarele, imaginile, elementele grafice \u0219i sigla oficial\u0103 a C.A.R. P\u0103u\u0219e\u0219ti M\u0103gla\u0219i \u2014 este protejat de legisla\u021bia privind drepturile de autor. Este strict interzis\u0103 copierea, reproducerea, modificarea sau distribuirea acestor materiale \u00een scopuri comerciale f\u0103r\u0103 acordul prealabil, exprimat \u00een scris, al conducerii asocia\u021biei.<\/p>\n<h2>5. Limitarea r\u0103spunderii tehnice<\/h2>\n<p>Asocia\u021bia depune toate eforturile pentru ca site-ul s\u0103 func\u021bioneze ne\u00eentrerupt \u0219i corect. Totu\u0219i, nu ne asum\u0103m r\u0103spunderea pentru erori tehnice independente de noi, disfunc\u021bionalit\u0103\u021bi ale conexiunii la internet, atacuri cibernetice externe care afecteaz\u0103 temporar platforma sau neconcordan\u021be de afi\u0219are cauzate de utilizarea unor browsere web \u00eenvechite.<\/p>\n<h2>6. Modificarea documentului<\/h2>\n<p>C.A.R. P\u0103u\u0219e\u0219ti M\u0103gla\u0219i \u00ee\u0219i rezerv\u0103 dreptul de a modifica sau actualiza acest document \u00een orice moment, pentru a reflecta schimb\u0103rile legislative din sistemul financiar sau optimiz\u0103rile opera\u021bionale ale platformei, f\u0103r\u0103 obliga\u021bia unei notific\u0103ri prealabile a utilizatorilor. Vizitarea periodic\u0103 a acestei pagini v\u0103 asigur\u0103 cunoa\u0219terea versiunii \u00een vigoare.<\/p>\n<p> <\/main><br \/>\n <!-- Subsol administrativ --><\/p>\n<footer>\n<p>© 2026 C.A.R. P\u0103u\u0219e\u0219ti M\u0103gla\u0219i. Toate drepturile rezervate. Activitate reglementat\u0103 conform statutului Caselor de Ajutor Reciproc.<\/p>\n<\/footer>\n<p><\/body><br \/>\n<\/html><\/p>\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Termeni \u0219i Condi\u021bii – C.A.R. P\u0103u\u0219e\u0219ti M\u0103gla\u0219i C.A.R. P\u0103u\u0219e\u0219ti M\u0103gla\u0219i ← \u00cenapoi la prima pagin\u0103 Termeni \u0219i Condi\u021bii de Utilizare […]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"elementor_theme","meta":{"site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"default","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","ast-disable-related-posts":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"footnotes":""},"class_list":["post-2","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/odochian.eu\/CAR\/wp-json\/wp\/v2\/pages\/2","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/odochian.eu\/CAR\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/odochian.eu\/CAR\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/odochian.eu\/CAR\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/odochian.eu\/CAR\/wp-json\/wp\/v2\/comments?post=2"}],"version-history":[{"count":9,"href":"https:\/\/odochian.eu\/CAR\/wp-json\/wp\/v2\/pages\/2\/revisions"}],"predecessor-version":[{"id":122,"href":"https:\/\/odochian.eu\/CAR\/wp-json\/wp\/v2\/pages\/2\/revisions\/122"}],"wp:attachment":[{"href":"https:\/\/odochian.eu\/CAR\/wp-json\/wp\/v2\/media?parent=2"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}