TERMS AND CONDITIONS
COMPANY
The website (hereinafter “Website”) is owned by the company Finceptiv OÜ (registration number: 14563072, with address: Liivalaia street 13, Tallinn, Harjumaa, 10118, EE).
PURPOSES OF THE WEBSITE
The Website collects financial proposals from third parties in the field of loan brokerage. Finceptiv OÜ does not provide financial services on its behalf.
By providing your personal information on the Website and using our services, you accept and agree to be bound by all of the conditions listed below. We ask that you read these Terms and Conditions carefully. If you do not agree with them, please do not provide your personal information on the Website.
All Finceptiv OÜ products and services are subject to these Terms of Use.
This Website is created for informational purposes only and does not constitute an offer to use any products or services mentioned on this Website. Finceptiv OÜ does not assume any responsibility for the user’s decisions made based on the information presented on this Website. Likewise, we are not responsible for any damage that may be caused by the use of the information displayed on this Website.
ACCEPTANCE OF TERMS
Please read these terms and conditions carefully before using this Website. By accessing and using this Website, you agree to the terms and conditions described on this page.
USE OF THE WEBSITE
4.1. Acceptable Use
You agree to use this Website in compliance with all applicable laws and regulations and with good intentions.
You agree not to use any material on this Website that may contain viruses, malware, or any harmful components and not to modify the content of the Website in any way.
This Website is intended solely for persons of legal age who have access to it from the national territory of the Philippines. In this regard, we cannot guarantee that this Website and all information displayed comply with local laws, regulations, or restrictions and are suitable for use in other locations. Users who access the Website from outside the national territory of the Philippines must know and comply with the corresponding rules, regulations, and restrictions.
You agree that you are solely responsible for the use of the Website by any user accessing it from your device and for your or any such user’s compliance with these Terms.
You agree to immediately notify Finceptiv OÜ about any unauthorized use of your registered email address or any other breach of security, including that of your device.
4.2. Site Content & Copyright
All content on this Website is the exclusive property of Finceptiv OÜ, unless otherwise indicated, and is protected by copyright laws.
Finceptiv OÜ reserves all copyrights, trademarks, patents, and other intellectual property rights related to the information and materials published on the Website.
Portions of this Website may be printed, copied, downloaded, or temporarily stored for your personal use or to use our products and services. You do not have the right to modify or use it beyond the permitted scope.
Any other use of the information and materials on this Website, including use on other websites or any mention of Finceptiv OÜ, is prohibited without prior written permission. Except as mentioned above, signs, logos, and trademarks of Finceptiv OÜ may not be used.
PRIVACY POLICY & PERSONAL DATA PROTECTION
Finceptiv OÜ undertakes to treat all user-provided information with maximum privacy, confidentiality, and security. Each form on the Website provides details on the purpose and use of the data collected.
Finceptiv OÜ processes personal data in accordance with the Data Privacy Act of 2012 (Republic Act No. 10173) of the Philippines.
Users may exercise their rights to access, rectify, delete, and object to the processing of their personal data.
Our complete Privacy Policy can be viewed here.
LINKS TO THIRD PARTIES
This Website may contain links to third-party websites for informational purposes only. Finceptiv OÜ has no control over the content or privacy practices of these websites and is not responsible for them.
We recommend reading the terms and conditions of use of those websites.
LIMITATION OF LIABILITY
Finceptiv OÜ takes all necessary measures to ensure the relevance of the content on the Website.
This Website may contain links to third-party content. Finceptiv OÜ does not guarantee or assume responsibility for the accuracy, timeliness, or completeness of third-party information available on this Website and is not liable for any damages arising from its use.
Finceptiv OÜ reserves the right to modify or remove Website content without prior notice.
The information on this Website is provided for informational purposes only and does not constitute financial advice or a recommendation for the use of any services mentioned.
To the extent permitted by applicable law, Finceptiv OÜ is not responsible for any direct, incidental, consequential, indirect, or punitive damages arising from access to or use of this Website, including but not limited to viruses or technical errors.
The information on this Website is provided on an “as is” and “as available” basis. Finceptiv OÜ does not guarantee that this Website will function uninterruptedly or be free of errors.
CHANGES TO THE TERMS
Finceptiv OÜ reserves the right to modify these terms and conditions at any time without prior notice. We encourage you to periodically review these terms to stay informed of any changes. You are responsible for reviewing the terms regularly.
If you continue to use the Website after changes are made, you agree to the new Terms and Conditions.
We recommend that you print and keep a copy of the Terms and Conditions for reference.
APPLICABLE LAW
These Terms and Conditions shall be governed by and construed in accordance with the laws of the Philippines. Finceptiv OÜ fully respects the legal framework in force in the Philippines, particularly the regulations governing short-term loans, consumer credit, and financial transactions.
We recommend that users familiarize themselves with applicable Philippine laws before applying for any loan products available through the Website.
If you have any questions or concerns about these Terms and Conditions, please contact us at [email protected]
Last modification: 28.02.2025