By accessing, registering for, or using any Finance service, website, or mobile application, you unconditionally agree to be bound by these Terms and Conditions, our Privacy Policy, and all applicable federal and state laws. If you do not agree to any part of these terms, you must immediately discontinue all use of our services and close any associated accounts.
Finance services are available to individuals who are at least 18 years of age, legal residents of jurisdictions where our services are licensed to operate, and in possession of valid government-issued identification. Specific products may carry additional criteria including minimum income thresholds, credit score requirements, and residency or citizenship restrictions.
Finance provides loan origination, insurance placement, investment advisory, payment processing, and related financial services as described on our platform. All products are subject to credit approval, underwriting criteria, and applicable regulatory requirements. Quoted rates and availability may vary based on individual creditworthiness and prevailing market conditions at the time of application.
You are solely responsible for maintaining the confidentiality of your account credentials and two-factor authentication codes. You accept full responsibility for all activities conducted under your account. You must notify Finance within 24 hours of any suspected unauthorized access. We strongly recommend enabling all available multi-factor authentication methods for maximum account protection.
All applicable fees, origination charges, annual percentage rates, and insurance premiums are fully disclosed prior to product finalization in your executed agreement documents. Finance complies fully with TILA, the Truth in Savings Act, and all other applicable disclosure regulations. Late or missed payments may result in additional charges and negative credit bureau reporting.
All investment products carry inherent financial risk, including possible loss of some or all invested principal. Past performance is not indicative of future results. Our advisory services provide personalized guidance based on your stated goals and risk tolerance but cannot guarantee specific investment returns or protection against market losses under any circumstances.
Users are strictly prohibited from using Finance for fraudulent transactions, money laundering, market manipulation, unauthorized account access, or any illegal activity. Misrepresentation on financial applications or circumvention of security measures may result in immediate account termination, law enforcement reporting, and civil or criminal legal action.
All content, logos, trademarks, proprietary software, algorithms, and user interfaces on the Finance platform are the exclusive property of Online Credit Expert. No portion may be reproduced, distributed, or modified without express prior written permission. Unauthorized use constitutes infringement and may result in legal action.
To the fullest extent permitted by law, Finance shall not be liable for indirect, incidental, special, or consequential damages arising from service use. Our total aggregate liability for any single claim shall not exceed the total fees paid by that client in the three calendar months immediately preceding the incident giving rise to the relevant claim.
Disputes arising from these Terms shall be resolved through binding individual arbitration administered by the USA Arbitration Association, unless superseded by applicable consumer protection law. Both parties waive the right to participate in class action lawsuits or class-wide arbitration related to Finance's services to the fullest extent permitted by law.
Either party may terminate the service relationship upon 30 days' written notice, subject to completion of all active financial agreements. Finance reserves the right to immediately suspend accounts for material policy violations. All outstanding financial obligations survive account termination and remain legally binding and fully enforceable.
These Terms are governed by and construed in accordance with the laws of the USA. For regulated financial products, applicable federal laws including the Gramm-Leach-Bliley Act and Truth in Lending Act take precedence. Disputes not subject to arbitration shall be litigated exclusively in USA County.