Terms of Use
By accessing, browsing and/or using this Website, you acknowledge that you have read, understood, and agree to be bound by these terms and to comply with all applicable laws and regulations. If you do not agree to these terms, do not use this Web site. The material provided on this web site is protected by law, including, but not limited to, United States copyright law and international treaties. Finfo makes no representation that materials in this Web site are accurate, appropriate or available for use in all locations.
If you register to use the online services, your use of the online services shall be subject to the Membership Agreement in addition to these Terms of Use. In the event that the terms of the Membership Agreement contradict or conflict with the terms of this Terms of Use, the terms of the Membership Agreement shall govern.
Any claim relating to the access and use of this Web site and the materials contained herein is governed by the laws of the state of California.
Use Restrictions
The copyright in all material provided on this Web site is held by Finfo or by the original creator of the material together with Finfo. None of the material may be copied, reproduced, distributed, republished, downloaded, displayed, posted or transmitted in any form or by any means, including, but not limited to, electronic, mechanical, photocopying, recording, or otherwise, without the prior written permission of Finfo or the copyright owner. Any unauthorized use of any material contained on this Web site may violate laws of the United States and other territories, including without limitation copyright laws, trademark laws, the laws of privacy and publicity, and communications regulations and statutes.
Trademarks
The trademarks, service marks, and logos (the "Trademarks") used and displayed on this Web site are the Trademarks of Finfo and others. Nothing on this Web site should be construed as granting, by implication, estoppel, or otherwise, any license or right to use any Trademark displayed on the Web site, without the written permission of the Trademark owner. The name of Finfo.com, LLC. or the Finfo logo may not be used in any way without prior, written permission from Finfo. Finfo prohibits use of the Finfo.com, LLC logo as a "hot" link to the Finfo Website unless establishment of such a link is approved in advance by Finfo in writing. Affiliate names are the trademarks of the respective organizations and are used on the Website for identification purposes only.
Information on this Web site
The contents of this Web site are provided for informational purposes only. Finfo makes no representations or warranties as to the accuracy of any such contents. All information contained on the Web site, including without limitation all affiliate services, are subject to change without notice.
Links
If this Web site includes hypertext links to world wide web sites controlled or hosted by third parties. Finfo is not responsible for, and does not endorse, the contents of such Web sites.
Disclaimer of Warranty
THE MATERIALS ON THIS WEB SITE ARE PROVIDED "AS IS" WITHOUT WARRANTIES OF ANY KIND EITHER EXPRESS OR IMPLIED. TO THE FULLEST EXTENT POSSIBLE PURSUANT TO APPLICABLE LAW, FINFO DISCLAIMS ALL WARRANTIES, EXPRESSED OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON INFRINGEMENT OR OTHER VIOLATION OF RIGHTS. FINFO DOES NOT WARRANT OR MAKE ANY REPRESENTATIONS REGARDING THE USE, VALIDITY, ACCURACY, OR RELIABILITY OF, OR THE RESULTS OF THE USE OF, OR OTHERWISE RESPECTING, THE MATERIALS ON THIS WEB SITE OR ANY WEB SITES LINKED TO THIS WEB SITE, INCLUDING INFORMATION ABOUT PRICING OR AVAILABILITY.
Limitation of Liability
UNDER NO CIRCUMSTANCES, INCLUDING, BUT NOT LIMITED TO, NEGLIGENCE, SHALL FINFO BE LIABLE FOR ANY DIRECT, INDIRECT, SPECIAL, INCIDENTAL OR CONSEQUENTIAL DAMAGES, INCLUDING, BUT NOT LIMITED TO, LOSS OF DATA OR PROFIT, ARISING OUT OF THE USE, OR THE INABILITY TO USE, THE MATERIALS ON THIS WEB SITE, EVEN IF FINFO OR A FINFO AUTHORIZED REPRESENTATIVE HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. IF YOUR USE OF MATERIALS FROM THIS WEB SITE RESULTS IN THE NEED FOR SERVICING, REPAIR OR CORRECTION OF EQUIPMENT OR DATA, YOU ASSUME ANY COSTS THEREOF. SOME STATES DO NOT ALLOW THE EXCLUSION OR LIMITATION OF INCIDENTAL OR CONSEQUENTIAL DAMAGES, SO THE ABOVE LIMITATION OR EXCLUSION MAY NOT APPLY TO YOU.
Term of Use Revisions
Finfo may at any time revise these Terms of Use by updating this posting. By using this Web site, you agree to be bound by any such revisions and should therefore periodically visit this page to determine the then current Terms of Use to which you are bound.
Privacy Policy
Information Collection
Finfo is the sole owner of the information collected on finfo.com. Finfo collects information from our users at several different points on our Web site.
Registration
In order to use certain of this Website's online services, a user must first complete the user registration form. The user is required to give contact information (such as name and email address), which we will use to contact the user about services on our site for which he or she has expressed interest.
Services
We also request information from the user on our loan product application forms. A user must provide contact information (such as name, email, and address), as well as certain financial information, via these forms in order to use some of our services. This information may be used to contact the user for verification purposes, and may be sent to affiliates so that they may provide the services the user has requested.
Information Use
When you register for Finfo's online services and apply for a financial product through an affiliate, Finfo sends the information necessary for the affiliate to provide the requested product.
Profile
We store information that we collect through cookies, log files, clear gifs, and/or third parties to create a profile of our users. A profile is stored information that we keep on individual users that details their viewing preferences. Consequently, collected information is tied to the users' non-personally-identifiable information to provide offers and improve the content of the site for the user. This profile is used to tailor a user's visit to our Web site, and to direct pertinent advertising and promotions to them.
We will not share personally-identifiable information with third parties except for the purpose of providing you with services you have specifically requested.
Cookies
A cookie is a piece of data stored on the user's computer tied to information about the user. We may use both session ID cookies and persistent cookies. For the session ID cookie, once users close the browser, the cookie simply terminates. A persistent cookie is a small text file stored on the user's hard drive for an extended period of time. Persistent cookies can be removed by following Internet browser help file directions.
By setting a cookie on our site, users would not have to log in a password more than once, thereby saving time while on our site. If users reject the cookie, they may still use our site. The only drawback to this is that the user may be limited in some areas of our site. Persistent cookies enable us to track and target the interests of our users to enhance the experience on our site. See the “Profile†section.
Log Files
Like most standard Web site servers we use log files. This includes internet protocol (IP) addresses, browser type, internet service provider (ISP), referring/exit pages, platform type, date/time stamp, and number of clicks to analyze trends, administer the site, track user's movement in the aggregate, and gather broad demographic information for aggregate use. IP addresses, etc. are not linked to personally-identifiable information.
Clear Gifs (Web Beacons/Web Bugs)
We may employ a software technology called clear gifs (a.k.a. Web Beacons/Web Bugs) to help us better manage content on our site by informing us what content is effective.
Communications from the Site
We send all new members a welcoming email to verify password and username. Established members may also occasionally receive information on products, services, special deals, or a newsletter.
Service Announcements
On rare occasions it is necessary to send out a strictly service related announcement. For instance, if our service is temporarily suspended for maintenance we might send users an email. Generally, users may not opt-out of these communications, though they can deactivate their account. However, these communications are not promotional in nature.
Customer Service
We communicate with users on a regular basis to provide requested services and in regards to issues relating to their account we reply via email or phone.
Sharing
Legal Disclaimer
Though we make every effort to preserve user privacy, we may need to disclose personal information when required by law wherein we have a good-faith belief that such action is necessary to comply with a current judicial proceeding, a court order or legal process served on our Website.
We Share Personal Information
Service Providers
We partner with third-party financial service companies to provide specific financial services you have requested. Finfo will provide the affiliates you chose only with such information as is necessary for them to provide you with the services you have requested. These third parties are not allowed to use personally identifiable information except for the purpose of providing these services.
Correcting/Updating/Deleting/Deactivating Personal Information If a user's personally identifiable information changes (such as zip code, phone, email or postal address), or if a user no longer desires our service, we provide a way to correct, update or delete/deactivate users' personally identifiable information. This can be done by emailing our Customer Support at support@finfo.com.
Notification of Changes
If we decide to change our privacy policy, we will post those changes to this privacy statement, the homepage, and other places we deem appropriate so our users are always aware of what information we collect, how we use it, and under what circumstances, if any, we disclose it. We will use information in accordance with the privacy policy under which the information was collected.
Contact Information
If users have any questions or suggestions regarding our privacy policy, please contact us at support@finfo.com.