Privacy Policy
Application Agreement
By indicating your agreement to these terms (for instance, by clicking the button), you, in your individual capacity, represent:
- That you are the authorized signer on behalf of the business listed in the application (the “Applicant”) to make and submit this application, to submit any accompanying documents, and to provide the consents and authorizations set out below.
- That, should this application be approved, you are authorized to sign business financing documentation on behalf of the Applicant. Please be advised that some business financing products may require a personal guaranty.
- That all information provided to Finszar and/or its trusted partners is accurate and complete and that you will immediately notify Finszar of any changes in such information.
- That Finszar and its trusted partners may rely on the accurateness of the information provided.
- That Finszar may share all information and documents, excluding consumer credit reports, with its trusted partners to fulfill Applicant’s requests.
- That Finszar and its trusted partners may share information they have about you and Applicant at any time for administrative, marketing and servicing purposes as permitted by law and that your personal information may be shared with the Applicant as part of the underwriting process.
- That you and the Applicant waive and release any claims against any information provider relating to the release of information.
- That you agree to and accept all terms of the Finszar Credit Gathering Authorization found here.
Disclaimer
Unless otherwise stated, —Finszar———– owns the intellectual property rights for all material, logo on Website Name. All intellectual property rights are reserved. You may access this from Website Name for your personal/business loan use subjected to restrictions set in these terms and conditions.
You are expressly and emphatically restricted from all of the following:
- publishing any Website material in any media;
- selling, sublicensing and/or otherwise commercializing any Website material;
- publicly performing and/or showing any Website material;
- using this Website in any way that is, or may be, damaging to this Website;
- using this Website in any way that impacts user access to this Website;
- using this Website contrary to applicable laws and regulations, or in a way that causes, or may cause, harm to the Website, or to any person or business entity;
- engaging in any data mining, data harvesting, data extracting or any other similar activity in relation to this Website, or while using this Website;
- using this Website to engage in any advertising or marketing;
Indemnification
In no event shall [Finszar.com] , nor any of its officers, directors and employees, be liable to you for anything arising out of or in any way connected with your use of this Website, whether such liability is under contract, tort or otherwise, and [Finszar.com] , including its officers, directors and employees shall not be liable for any indirect, consequential or special liability arising out of or in any way related to your use of this Website.
Links to Third Party Websites
The Websites may contain links to websites maintained by third parties. Such links are provided for your convenience and reference only. We do not operate or control in any respect any information, software, products or services available on non-affiliated third-party websites. Our inclusion of a link to a website does not imply any endorsement of the services or the website, its contents, or its sponsoring organization. Your use of any such third-party websites may be subject to other terms and conditions imposed by the third parties maintaining those websites. When you leave the Websites, you agree that We are not responsible for the accuracy or content of the information provided by that website, nor is it liable for any direct or indirect technical or system issues arising out of your access to or use of third-party technologies or programs available through that website.
Terms Applicable to Loan Request Services
Applicant authorise and gives consent to Finszar.com and its assigns, officers, employees, agents, banks or financial institutions to obtain an investigative or consumer report from a credit bureau or a credit agency either soft or hard pull and to investigate the references given on any other statement or data obtained from applicant. You are providing Written Consent for such inquiries and these inquiries may negatively impact your credit score.
Terms Applicable to Finszar
By creating a My Finszar account (whether directly or in conjunction with submitting a Qualification Form), you understand and consent to Finszar receiving and accessing consumer report information about you from one or more credit bureaus. By registering with My Finszar, you are providing express written instructions under the federal Fair Credit Reporting Act that we may use and analyze your information as follows: to (a) present you an overview of your credit profile including detailed information where available; (b) provide you with customized recommendations and general information about you; and/or (c) serve you targeted ads and other communications based on your information, (d)identify affiliate and non-affiliate Providers that may be able to provide valuable services to you; (e) so that Finszar may perform analysis and data modeling in order to offer customers better Services in the future. This information could include, but might not be limited to, your credit report, credit score, and other credit information. For as long as you maintain a Finszar account, you are providing express written consent for us to maintain and share information provided by you, and about you by third parties, to assist with litigation, regulatory request(s), law enforcement requests, internal analytics, marketing purposes, and any other legally permissible purpose.
Electronic Communications
Visiting the Site, using the System, or sending emails to us constitutes electronic communications. You consent to receive electronic communications and you agree that all agreements, notices, disclosures, and other communications that we provide to you electronically, via email, and on the System, satisfy any legal requirement that such communications be in writing. To opt out of receiving marketing emails from us, follow the “unsubscribe” link on the email to change your user preferences. There are certain system-generated and legal notices that you cannot opt out of without deactivating your account
Response Timing and Format
We endeavor to respond to a verifiable consumer request within forty-five (45) days of its receipt. If we require more time (up to 90 days), we will inform you of the reason and extension period in writing.
If you have an account with us, we will deliver our written response to that account. If you do not have an account with us, we will deliver our written response by mail or electronically, at your option.
Any disclosures we provide will only cover the 12-month period preceding the verifiable consumer request’s receipt.
The response we provide will also explain the reasons we cannot comply with a request, if applicable. For data portability requests, we will select a format to provide your personal information that is readily useable and should allow you to transmit the information from one entity to another entity without hindrance.
We do not charge a fee to process or respond to your verifiable consumer request unless it is excessive, repetitive, or manifestly unfounded. If we determine that the request warrants a fee, we will tell you why we made that decision and provide you with a cost estimate before completing your request.
Accessibility Design Guidelines
Our website has been designed with the following accessibility guidelines in mind:
The standard font used throughout the site has been chosen to be easily legible.
Wherever possible, we use live text instead of graphics to reduce the download time of pages and increase your control.
Our pages are designed to display without horizontal scrollbars when they are viewed at a screen resolution of 1024×768 pixels.
No information is exclusively conveyed using color. This doesn’t mean that colors are not used to organize information; instead it means there are also other, non-color dependent ways of doing this.
All images and hyperlinks, where appropriate, have an alternative text attribute. This means when an image or hyperlink is conveying important information its content is described with an alternative text.
Non-Discrimination
We will not discriminate against you for exercising any of your CalOPPA rights. Unless permitted by the CalOPPA, we will not:
Deny you goods or services.
Charge you different prices or rates for goods or services, including through granting discounts or other benefits, or imposing penalties.
Provide you a different level or quality of goods or services.
Suggest that you may receive a different price or rate for goods or services or a different level or quality of goods or services.
However, we may offer you certain financial incentives permitted by the CalOPPA that can result in different prices, rates, or quality levels. Any CalOPPA-permitted financial incentive we offer will reasonably relate to your personal information’s value and contain written terms that describe the program’s material aspects. Participation in a financial incentive program requires your prior opt-in consent, which you may revoke at any time.
Exercising Access, Data Portability, and Deletion Rights
To exercise the access, data portability, and deletion rights described above, please submit a verifiable consumer request to us by contacting us at:
Finszar Inc
Attn: Administrative Dept
8 The Green, Suite 11268
Dover DE 19901
OR
info@finszarmortgage.com
Only you, or a person registered with the Delaware Secretary of State that you authorize to act on your behalf, may make a verifiable consumer request related to your personal information. You may also make a verifiable consumer request on behalf of your minor child.
You may only make a verifiable consumer request for access or data portability twice within a 12-month period. The verifiable consumer request must:
Provide sufficient information that allows us to reasonably verify you are the person about whom we collected personal information or an authorized representative.
Describe your request with sufficient detail that allows us to properly understand, evaluate, and respond to it.
We cannot respond to your request or provide you with personal information if we cannot verify your identity or authority to make the request and confirm the personal information relates to you.
Making a verifiable consumer request does not require you to create an account with us. We will only use personal information provided in a verifiable consumer request to verify the requestor’s identity or authority to make the request.
Governing Law, Venue and Jurisdiction
These Terms will be governed by and construed in accordance with the laws of the State of [–Delaware——-], and you submit to the non-exclusive jurisdiction of the state and federal courts located in [—Delaware——-] for the resolution of any disputes.
Those who choose to access the content, the Information, and the Services offered through the Site do so on their own initiative and are responsible for compliance with local laws, if and to the extent local laws are applicable.
Those who access the Site from locations outside Delaware are responsible for compliance with applicable local laws. Any claim relating to the Site or use of the Site or the Services will be governed by and interpreted in accordance with the laws of the State of Delaware, without reference to its conflict-of-laws principles. Any dispute arising out of or related to your use of the Site will be brought in, and you hereby consent to the exclusive jurisdiction and venue in, the competent courts in Delaware. You hereby agree to waive all defenses of lack of personal jurisdiction and forum non-conveniens and agree that process may be served in a manner authorized by applicable law or court rule. If any term or provision of this legal notice is for any reason held to be invalid, such invalidity shall not affect any other term or provision, and this legal notice shall be interpreted as if such term or provision had never been contained in this legal notice.
The User understands and agrees that, in addition to monetary damages, Finszar shall be entitled to equitable relief where appropriate upon User’s breach of any portion of this Agreement.
Changes to Our Privacy Notice
Finszar may revise these Terms of Use at any time by updating this page on the Site and in such event your continued use of the Site, shall constitute your acceptance of such updated Terms of Use. Accordingly, you should visit this page from time to time to review the then-current Terms of Use because they are binding on you. Certain provisions of these Terms of Use may be superseded by expressly designated legal notices or terms located on particular pages at the Site.
Contact Information
If you have any questions or comments about this notice, the ways in which the company collects and uses your information described below and in the Privacy Policy, your choices and rights regarding such use, or wish to exercise your rights under Delaware law, please do not hesitate to contact us.
You may contact Finszar Inc at info@finszar.com.
The Terms of Use Agreement is Effective as of: July 31st, 2020