Insurance underwriting, credit insurance services; insurance underwriting namely taking out of insurance contracts and policies and credit insurance policies; credit insurance services online; taking out of credit insurance; taking out of credit insurance online; consultancy, counselling and information regarding credit insurance; consultancy, counselling and information regarding credit insurance online; debt recovery services; security for payment of recoverable debts; issuing of deposits and securities; information, analyses, appraisal services, valuations, estimates, verifications, forecasts, consultancy, counselling and audits of insurance and particularly credit insurance; financial management of payment anomalies; financial management of declarations of outstanding debts; demands for financial guarantees; demands for financial guarantees online; services for indemnifying persons with insured credits should loans they have made remain unpaid; financial management of insurance contracts and policies; financial management of commitments to provide guarantees; financial management of guarantees; financial management of contested cases of persons with insured credit; financial management of loan recoveries; factoring services; financing of loans, financing of time staggered payments