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Terms of Use

Last Updated: August 14, 2026
Effective Date: August 14, 2026

1. Acceptance of Terms

Welcome to Finvacy.com (the "Website" or "Site"), owned and operated by Finvacy LLC ("Finvacy," "we," "us," or "our").

By accessing, browsing, or using our Website and comparison services (the "Services"), you acknowledge that you have read, understood, and agree to be bound by these Terms of Use ("Terms") and our Privacy Policy. If you do not agree to these Terms, you must immediately cease using this Site.

2. Description of Services & Platform Positioning

A. Loan Comparison Marketplace Only

Finvacy operates an independent online comparison platform that allows users to research and compare pre-qualified personal loan options from participating third-party lenders in under 1 minute.

B. Not a Lender or Broker

Finvacy is NOT a lender, creditor, loan broker, or financial institution. Finvacy:

  • Does not originate, fund, issue, or service loans.
  • Does not make credit decisions, set interest rates, or evaluate creditworthiness.
  • Does not calculate, manage, or collect monthly loan repayments.
  • Does not guarantee that you will receive a loan offer or be approved by any lender.

All credit decisions, loan terms, interest rates (APRs), and repayment schedules are established solely between you and the participating lender with whom you choose to submit a formal application.

3. Eligibility & User Representations

By using Finvacy.com, you represent and warrant that:

  • You are at least 18 years of age (or the age of legal majority in your state of residence).
  • You are a legal resident of the United States.
  • All information you submit through our comparison form is true, accurate, current, and complete.
  • You are requesting loan pre-qualification for lawful personal, family, or household purposes.

4. Pre-Qualified Offers & Soft Credit Inquiries

A. Non-Binding Pre-Qualified Estimates

Any pre-qualified rates, loan amounts, or terms presented on Finvacy.com are non-binding estimates provided by participating lenders based on the preliminary information you submit. They do not constitute a formal loan offer or a commitment to lend.

B. Soft Credit Check Authorization

By submitting your information on Finvacy, you authorize Finvacy and its network of participating lenders to perform a "soft" credit inquiry to determine your rate eligibility. This soft credit inquiry will not impact your FICO® credit score.

A formal "hard" credit pull - which may impact your credit score - will only occur if you choose an offer and submit a formal loan application on the lender’s independent website.

5. Compensation & Advertiser Disclosure

Finvacy’s comparison tool is 100% free for consumers. We do not charge fees to borrowers for searching or comparing loan options.

We receive advertising compensation and referral fees from participating lenders and affiliate partners when users connect with them through our Website. This compensation may impact how and where lender offers appear on our comparison tables, but does not affect our objective comparison features. We do not feature all lenders or all available loan products in the marketplace. Company listings do not imply endorsement.

6. Third-Party Websites & Lender Applications

Finvacy.com contains links to third-party lender websites. When you click on a link or select a loan offer, you will leave Finvacy.com and be redirected to the lender’s platform.

Finvacy has no control over, and assumes no responsibility for, the content, privacy practices, terms of service, or underwriting policies of any third-party lender. We strongly advise you to read the terms and privacy policy of any third-party website you visit.

7. Intellectual Property Rights

All content, features, software, graphics, logos, text, design, and code on Finvacy.com are the exclusive property of Finvacy LLC and are protected by United States and international copyright, trademark, and intellectual property laws. You may not copy, reproduce, scrape, distribute, or create derivative works without prior written consent from Finvacy.

8. Prohibited Activities

You agree not to:

  • Use any robot, spider, scraper, or automated means to access or monitor the Website.
  • Provide false, misleading, or fraudulent information.
  • Use the Site for any commercial purpose or in violation of any applicable local, state, or federal law.
  • Attempt to interfere with, disrupt, or compromise the security and integrity of our systems.

9. Disclaimer of Warranties

FINVACY.COM AND ALL SERVICES ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED.

FINVACY EXPRESSLY DISCLAIMS ALL WARRANTIES, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE WEBSITE WILL BE UNINTERRUPTED, ERROR-FREE, OR SECURE, OR THAT LOAN INFORMATION DISPLAYED IS 100% ACCURATE AT ALL TIMES.

10. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL FINVACY LLC, ITS DIRECTORS, EMPLOYEES, AFFILIATES, OR PARTNERS BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES (INCLUDING LOSS OF PROFITS, DATA, OR GOODWILL) ARISING OUT OF OR RELATING TO YOUR ACCESS TO OR USE OF (OR INABILITY TO USE) THE WEBSITE OR ANY LOAN OFFERS RECEIVED FROM THIRD-PARTY LENDERS.

11. Dispute Resolution, Binding Arbitration & Class Action Waiver

A. Mandatory Binding Arbitration

Any dispute, claim, or controversy arising out of or relating to these Terms or your use of Finvacy.com shall be resolved through final and binding individual arbitration administered by the American Arbitration Association (AAA), rather than in a court of law.

B. Class Action Waiver

YOU AND FINVACY AGREE THAT EACH MAY BRING CLAIMS AGAINST THE OTHER ONLY IN AN INDIVIDUAL CAPACITY AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS OR REPRESENTATIVE PROCEEDING.

12. Indemnification

You agree to defend, indemnify, and hold harmless Finvacy LLC, its officers, directors, employees, and agents from and against any claims, liabilities, damages, losses, and expenses (including reasonable legal fees) arising out of or in any way connected with your violation of these Terms or misuse of the Website.

13. Governing Law & Severability

These Terms shall be governed by and construed in accordance with the laws of the State of Delaware (or the state where Finvacy LLC is registered), without regard to its conflict of law principles. If any provision of these Terms is found to be unenforceable, the remaining provisions will remain in full force and effect.

14. Changes to Terms of Use

We reserve the right to modify or update these Terms at any time without prior notice. Any changes will be posted on this page with an updated "Last Updated" date. Your continued use of the Website after any modifications indicates your acceptance of the revised Terms.

15. Contact Information

If you have any questions regarding these Terms of Use, please contact us: