These Terms of Use (“Terms”) govern your access to and use of finency.com (the “Site”), operated by Finency. By accessing or using the Site, you agree to be bound by these Terms. If you do not agree, please do not use the Site. These Terms are provided for general informational purposes and do not constitute legal advice.
Use of the Site
Finency grants you a limited, non-exclusive, non-transferable license to access and view the content on the Site for your personal, non-commercial use. You agree not to misuse the Site, including by attempting to gain unauthorized access, interfering with its operation, scraping content at scale, or using it for any unlawful purpose.
Educational Purpose Only
All content on the Site — including articles about credit cards, investments, and loans — is provided for general educational and informational purposes only. It is not financial, investment, legal, or tax advice, and it should not be relied upon as such. You are responsible for your own financial decisions. Please see our Disclaimer for more detail.
No Professional Relationship
Reading our content or contacting us does not create any advisory, fiduciary, or professional relationship between you and Finency. We are an independent publisher and do not represent any bank, lender, broker, or government agency.
Intellectual Property
Unless otherwise noted, the content, design, logos, and layout of the Site are the property of Finency or its licensors and are protected by applicable intellectual property laws. You may share links to our articles, but you may not copy, republish, or redistribute substantial portions of our content without written permission.
Third-Party Content and Links
The Site may contain advertising and links to third-party websites and services. We do not control and are not responsible for the content, products, offers, or practices of those third parties. Any dealings you have with third parties are solely between you and them.
Disclaimer of Warranties
The Site and its content are provided “as is” and “as available” without warranties of any kind, whether express or implied. We do not warrant that the Site will be uninterrupted, error-free, or that the information is complete, accurate, or current at all times.
Limitation of Liability
To the fullest extent permitted by law, Finency and its team shall not be liable for any direct, indirect, incidental, consequential, or other damages arising from your use of, or inability to use, the Site or its content, including any decisions you make based on that content.
Changes to These Terms
We may revise these Terms at any time by updating this page. Your continued use of the Site after changes are posted constitutes your acceptance of the revised Terms.
Contact
If you have questions about these Terms, please contact us through our Contact page. You may also wish to review our Privacy Policy.