Terms and conditions of use
This agreement is an official document regulating the relationship between fnews.today (hereinafter “fnews”, “we”, “us”, “our”, “ours”, “Website”, “Company”) and the User of the Website fnews.today, all services and all information posted on it, for the use of which it is obligatory to accept the conditions specified in this agreement.
The company is an independent information and search resource that provides the user with the opportunity to find the necessary financial product provided by third-party credit or other financial organizations with which the company has entered into an agreement. Fnews.today is not in itself a financial organization or lender, does not create and does not provide credit, insurance, investment or other financial products, nor does it accept and does not affect the credit decisions of third-party organizations providing such services.
The use of the Website, any information posted on it, and the use of its services, as well as the provision of personal data by the User when filling out application forms or otherwise, means by default that the User has read, understood and agreed to these terms of use of the Website fnews.today, including the Privacy Policy. If you do not agree with the terms and conditions of use specified in this agreement, please stop using the Website and leave it.
The use of the services of the Website, including the application form, is possible only for those who are 18 years old or older and living in the United States. Some US states have legal restrictions on the use of short-term lending services. The list of states is subject to change, so check this information using an authority source, where relevant information on lending is posted.
Company Services
The company provides Website users with information on personal finance and credit products, as well as the ability to contact third-party lenders dealing with short-term lending. Approval or disapproval of Your loan application depends on many factors and the decision is made solely by third-party creditors with whom the Company has entered into an agreement and who will consider your credit request. The amount, interest rate and other loan terms are likely to vary from lender to lender and there are no guarantees that any loan conditions will be approved by at least one of the third-party lenders.
The company can advise the User on financial products offered by third-party independent lenders. Professional financial advisers are ready to provide each User with assistance in making an informed decision when choosing a financial product and lender, based on the data provided by the User.
The company informs users about the features of short-term lending, about the likely consequences of this or that behavior when using this type of loan, and also urges users to approach the need for a loan wisely and deliberately. We provide advice only in order to inform users and we are not responsible for any decisions made by the User. All decisions are made by the User solely at his own risk, taking full responsibility for them and all costs or losses associated with their consequences.
The company is not a representative of any credit or other financial company, and therefore has no relation to any loan or other financial product offer from third-party creditors, and is not responsible for any decisions of third parties, regardless of the consequences of such decisions.
If the User decides to use the services of the Website to search for a loan product and submit an application to a third-party lender, he needs to register on the Website and fill out the application form, providing all the required information needed by third-party lenders to consider the possibility of providing a loan to the User and determining the terms of the loan. To consider a loan application, the lender will need the following, including confidential information: personal data, contact, social insurance number, labor information, information on income and expenses, as well as the bank account number. All information You provide to transfer to third-party lenders is stored in accordance with the Privacy Policy, as well as the Policy on Responsible Lending. By submitting your personal information when completing the loan application form, You confirm that you have read and agree to the terms and conditions specified in the Privacy Policy and this agreement.
Your personal, financial, and other information will be used by third-party lenders to examine your creditworthiness and solvency during the considering of your loan application.
Proprietary Rights and Authorized Use
The content of the Website is protected by United States Copyright Act and may be used solely in accordance with this agreement on terms and conditions of use. Copying, reprinting, presentation or reproduction on other information resources is possible only with the permission of the Company. Otherwise, such actions will be considered illegal and can and will be the subject of lawsuits.
Any content posted on the Website, including but not limited to information in any form, texts, images, video, logos and other information in digital or graphic form is the property of the Company.
Disclaimer of Warranties and Liability
The Website fnews.today, any information posted on it and the services are provided “as is” and do not impose any additional liability on the Company, except as specified in this agreement on use. The Company does not provide any guarantees that the information provided, services and products of the Company or third parties will meet the needs or any requirements of the User, do not contain technical or informational errors, last for a certain period or do not carry any security threat. The Company reserves the right to make any changes to the Website or its content without prior notice.
The Company also refuses any kind of liability for the actions of third parties that may cause any damage to the financial or technical condition of the Website users. Any links and content of third-party websites that may be posted on fnews.today, the User visits at his own risk, while taking full responsibility for the consequences of such actions. The Company is not responsible for any direct or indirect costs or damages associated with the use of the Website or the actions of third parties related to the use of the Company Website.
Privacy Policy in Marketing Activity
The user expressly agrees that his personal data can be used by the company in marketing activities in accordance with the privacy policy posted on this Website when it provides its personal data by filling out a loan application form. The information transmitted by the User will be transferred to third-party creditors for consideration of the User’s application, and the transfer of such information to marketing companies cooperating with the Company is possible. The user can submit an application if for any reason he wants to exclude his personal information from the Company’s database.
Dispute Resolution
Any disputes arising from the use of the Company’s Website, the information posted on it or the provision of any services are resolved by the arbitration or other authorized institution, subject to a formal legally filed complaint, in accordance with the laws of the state licensing the provision of services by the Company, as well as federal laws and provisions governing such cases. Any compensation for possible damage determined by an arbitrator authorized to resolve such disputes may not exceed the losses claimed by the claimant. The Company may challenge the arbitrator’s decisions in any court of the relevant jurisdiction for an alternative dispute resolution, with the arbitrator’s decision remaining binding for User. Using the Company’s Website, the User accepts the terms of this agreement on the terms of use and confirms that he will not file a claim either by himself or with the help of lawyers.
Damages
The user cannot claim damages if he violates the terms of this agreement on terms of use, uses the Website and the content posted on it improperly, and also has a dispute with any third party. Continued use of the Company’s Website may be considered harmful and requiring damages to the Company, its affiliates, subsidiaries, management, employees or individuals. This item will be used when the User submits a claim or another dispute arises between him and the Company.
Full agreement
This agreement on the terms and conditions of use of the Company’s Website, including all together and each of the provisions described here, is a complete agreement between the User and the Company the owner of the Website. These terms and conditions govern the relationship between the two parties when using the Website and the content posted on it. This agreement is the latest current version and replaces all previous agreements and notices.
Termination of relationships
In the event that the User violates any provisions of this agreement or other applicable acts and rules, as well as relevant laws, the Company reserves the right to deny you access to the Website for a time or completely terminate the relationship unilaterally.
To terminate a relationship, a User simply stops using the Website, but the terms of the agreement that may be applicable remain in force.
An agreement on terms and conditions of use is deemed accepted if you have started using the Company’s Website.
