General and Acceptance
Finstro may modify this Agreement from time to time in its sole discretion and such modification shall be effective upon posting on the Website. You agree to be bound to any changes to this Agreement when you use the Services after any such modification is posted. It is therefore important that you review this Agreement regularly upon each use of the Services to ensure you are updated as to any changes.
By using the Services, you represent and warrant that (a) all application information you submit is truthful and accurate; (b) you will maintain the accuracy of such information; (c) you are 18 years of age or older; and (d) your use of the Services does not violate any applicable law or regulation. Use of the Services is void where prohibited.
Third Party Content
The Finstro Website or Mobile App may contain links to the websites of third party providers of goods and services (Third Party websites). If you have accessed Third Party websites through our website or mobile app, and if those third parties collect information about you, we may also collect or have access to that information as part of our arrangements with those third parties.
We use ‘cookies’ to provide you with better and more customized service and with a more effective website. A ‘cookie’ is a small text file placed on your computer by our web page server. A cookie can later be retrieved by our webpage servers. Cookies are frequently used on websites and you can choose if and how a cookie will be accepted by configuring your preferences and options in your internet browser.
- to allocate a unique number to your internet browsers;
- to customize our website for you;
- for statistical purposes;
- to identify if you have accessed a Third Party website; and
- for security purposes.
Your IP address is the identifier for your computer when you are using the internet. It may be necessary for us to collect your IP address for your interaction with various parts of our website.
When you send a completed online application to us, we retain the information contained in that application. We are able to then use that information to provide any financial services that you require.
You can also suspend and save online applications, so you can complete and send the applications at a later time. If you suspend or save your application, the information that you have entered will be retained in our systems so that you may recover the information when you resume your application. Online applications that have been suspended or saved may be viewed by us.
Intellectual Property and License Restrictions
All trademarks, service marks, trade names, and logos are proprietary to Finstro or used by Finstro with the permission of its third-party providers. Nothing contained on the Website or Mobile App should be construed as granting, by implication, estoppel, or otherwise, any license or right to use any trademark displayed on the Website or Mobile App without the written permission of Finstro. Your use of the trademarks displayed on the Website or Mobile App, or any other content on the Website or Mobile App, except as provided herein, is strictly prohibited. You acknowledge that you have no right to have access to the Website or Mobile App in source code form.
Security of information
The security of your information is very important to us. Finstro regularly reviews developments in security and encryption technologies. Unfortunately, no data transmission over the internet can be guaranteed as totally secure. We take all reasonable steps to protect the information in our systems from misuse, interference, loss, and any unauthorized access, modification or disclosure.
If we no longer require your information, and we are legally permitted to, we will take all reasonable steps to destroy or de-identify the information. We take reasonable steps to preserve the security of cookie and personal information in accordance with this policy. If your browser is suitably configured, it will advise you whether the information you are sending us will be secure (encrypted) or not secure (unencrypted).
Disclaimer Of Warranties
BY USING THE WEBSITE AND MOBILE APP, YOU ASSUME ALL RESPONSIBILITY AND RISK FOR THE USE OF WEBSITE AND MOBILE APP AND THE INTERNET GENERALLY. THE WEBSITE AND MOBILE APP ARE PROVIDED “AS IS” AND “AS AVAILABLE” WITHOUT ANY EXPRESS OR IMPLIED WARRANTY OF ANY KIND, INCLUDING, WITHOUT LIMITATION, WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT OF INTELLECTUAL PROPERTY, AND FREEDOM FROM ERRORS, VIRUSES, BUGS, OR OTHER HARMFUL COMPONENTS. YOU USE THE SERVICES OR ANY RELATED THIRD-PARTY SERVICES AT YOUR OWN RISK.
Limitation Of Liability
You agree that your use of the Website and Mobile App and/or any Third Party websites at your own risk. You further understand and agree that we are not responsible or liable for your illegal, unauthorized, or improper use of information transmitted, monitored, stored or received using the Website and Mobile App. To the fullest extent permitted under applicable law, in no event shall we be liable to you personally for any loss, injury or damages (including but not limited to any special, indirect, consequential or punitive damages, lost profits, lost revenues or other incidental damages) arising out of the use, inability to use, or the results of use of the Website and Mobile App.
To the extent permitted by applicable law, you agree to indemnify Finstro for any claims, actions, demands, losses, liabilities, damages, costs and expenses (including legal expenses and other costs, such as attorneys’ fees) reasonably incurred by us that arise out of (a) your use of the Website and/or Mobile App; (b) your violation of any term of this Agreement; (c) your violation of any third party right, including without limitation any copyright, property, or privacy right; or (d) your violation of any other terms applicable to your use of any additional services offered to you through the Website or Mobile App. This defense and indemnification obligation will survive this Agreement and your use of the Website and Mobile App. We reserve the right to assume the exclusive defense and control of any claim brought by a third party in connection with your use of the Finstro Website and/or Mobile App and you agree to assist and co-operate with us in relation to any such claim.
Events Beyond Control
Finstro shall not be liable for interruptions, delays, failures to perform, damages, losses or destruction, or malfunction of any equipment, or any consequence thereof caused or occasioned by events beyond our reasonable control, including any failure of public or private telecommunications networks. The provisions of this paragraph are in addition to, and not intended to limit or modify, the limitation of Limitation of Liability section as stipulated above.