End-User Terms of Service

Thank you for using our service on this platform and/or website of Finantier (“Platform"). These ETC applies between (i) Finantier and its subsidiaries and affiliates (“Finantier” or “we” or “us” or “our”) and (ii) you as the end user of our services (“End-User”, “you” or “your”) each time you use Finantier’s services through the platform and/or website of Finantier’s partner or Finantier’s client (“Partner”). By accessing or using the platform and/or website, you understood and agreed to be bound and subject to all ETC. If you do not agree to these ETC, you shall cease and discontinue accessing our platform and/or website and using the service that we provide to you.


We may change or update these ETC at any time at our discretion. If we make any updates or changes to these ETC, we will update it on our website at  https://finantier.co.

  1. Services

    Finantier is a technology services provider offering credit scoring, account aggregation, verification, and recurring payment services (“Services”). Finantier creates simple, secured access to data from a wide range of financial and alternative sources.


    Our Services are integrated with a Partner’s website or platform that you wish to use. Your use of the Partner’s services will be subject to the terms and conditions under the agreement that you have with the Partner. We are not responsible for any problem that may arise regarding the product/services provided to you by the Partner.


    We do not charge you as an End-User for use of our Services, however, the Partner may charge you for using their services. In turn, the Partner may pay us a fee for the services we provide to them.


    Finantier is not authorised to give you any financial, legal or investment advice. Thus, our Services cannot be used as financial, legal lor investment advice. The Services we provide are not coercive or binding, and do not require you to follow the information provided. There are no situations or circumstances that can make us liable for any possible losses that you may face due to decisions you make based on information provided in the Platform.


  2. Data Purpose

    In order to provide our Services, we may need your data and information as detailed in our Privacy Policy. You are hereby expressly granting us the license and right to utilize the same for and on your behalf in order to provide the Services. Finantier may or will use such information for the sole purpose for providing you the required Services and not for any other purpose.


    We collate and anonymize personal information about your use of our Services such as the banks or financial institutions with whom you transact to protect your personal identity.


  3. Data Process

    Finantier states that the data provided by you belongs solely and exclusively to you. As such, you are permitted to request the removal or deletion of the data provided, either in full or any portion, at any point in time as you desire. You must notify us of any such removal or deletion request.


    In the event you request Finantier to remove or delete all or any portion of the data belonging to you, this must be done in writing to Finantier. Upon receipt of such a written request, Finantier will promptly execute your request and notify you upon completion of your request. Finantier will not retain any copies of your data on its server or in any other place.


    We guarantee that your removed data cannot be accessed at any point of time. Any contact, information or access to such data or materials or accounts will be terminated immediately. However, certain portions of your data, which we had maintained on its servers, may remain either in backups or in transaction logs. These are maintained only for the specific purpose of backup or to provide the Services to you in the event of any malfunction or damage to our server to ensure continuity of our Services.1


  4. Legal use

    By continuing to use or access Services provided by us, you represent and warrant to us that:


    1. You are not impersonating or misrepresenting any person or entity.
    2. You use the Services only for legal and lawful purposes.
    3. You do not share your access to the Services with any other person.
    4. You are not permitted to use the Platform for cases including but not limited to the following:
      1. for any unlawful purpose;
      2. to solicit others to perform or participate in any unlawful acts;
      3. to upload or transmit viruses or any other type of malicious code that will or may be used in any way that will affect the functionality or operation of the Services, other websites, or the internet;
      4. to collect or track the personal information of others;
      5. for any obscene or immoral purpose;
      6. to interfere with or circumvent the security features of the Services, other websites, or the internet;
      7. to hurt, torture, humiliate, slander, defame, threaten, intimidate or harass other people or businesses, or anything that violates privacy or that we deem obscene, insulting, hateful, profane, indecent, inappropriate, not acceptable, discriminating or damaging;
      8. in a way that is against any international, federal, provincial or state regulations, rules, laws, or local ordinances;
      9. violate or infringe the legitimate rights of others, including without exception to: patents, trademarks, copyrights, trade secrets, publicity, and other property rights;
      10. To create, examine, update, change or repair databases, records or directories of You or others;
      11. change or rearrange any part of this Platform that will interfere or place an excessive burden on Our communication and technical systems;
      12. use the automated computer code, processes, programs, robots, net crawlers, spiders, data processing, trawling or computer code, processes, programs or alternative screen scraping systems;
      13. violate the Terms and Conditions, or other instructions on Finantier.

    In the event you request Finantier to remove or delete all or any portion of the data belonging to you, this must be done in writing to Finantier. Upon receipt of such a written request, Finantier will promptly execute your request and notify you upon completion of your request. Finantier will not retain any copies of your data on its server or in any other place.


    We guarantee that your removed data cannot be accessed at any point of time. Any contact, information or access to such data or materials or accounts will be terminated immediately. However, certain portions of your data, which we had maintained on its servers, may remain either in backups or in transaction logs. These are maintained only for the specific purpose of backup or to provide the Services to you in the event of any malfunction or damage to our server to ensure continuity of our Services.1


  5. Intellectual Property

    All intellectual property rights, title and interest contained in this Platform are our property. Any or all intellectual property, information and material and content, including but not limited to, writing, software, text, data, graphics, images, audio, video, logos, icons or html codes and other codes contained on our Platform is protected by national and international laws relating to copyright, trademarks, patents or other proprietary rights and may not be published, modified, copied, duplicated or altered in any way outside this Platform without our permission. Violation of the rights of this Platform can be dealt with in accordance with applicable regulations.


    You may use the information or content in the Platform for non-commercial and/or personal use. Unless otherwise specified and/or expressly permitted by copyright law, you are prohibited from copying, redistributing, retransmitting, publishing or committing commercial exploitation of downloads made without our permission. In the event that you have obtained the required permissions, you are prohibited from making changes or deletions. You hereby declare to accept and acknowledge that downloading the material of Intellectual Property Rights does not mean obtaining the ownership rights to download the Intellectual Property Rights material.


  6. Miscellaneous

    1. The content and all Services associated with this Platform are provided to you on an "as-is" and "as available" basis. You expressly agree that your use of the Services is at your sole risk. Finantier makes no representations, warranties or guarantees, express or implied, regarding (i) the accuracy, reliability or completeness of the content on this Platform; or (ii) of the Services. Finantier expressly disclaims any warranties of non-infringement or fitness for a particular purpose. Finantier engages and employs the best methods to safeguard and protect against viruses, infection, etc. However, despite such best efforts, Finantier makes no representation, warranty or guarantee that the content that available through the Services is free of infection from any viruses or other code or computer programming routines that may contain contaminating or destructive properties that are intended to damage, surreptitiously intercept or expropriate any system, data or personal information.
    2. All of the information provided by Finantier is for informational purposes only and we will not be liable for its availability, accuracy, and usefulness. Thus, we shall in no event be responsible or liable to You or to any third party, whether in contract, warranty, tort (including negligence) or otherwise, for any indirect, special, incidental, consequential, exemplary, liquidated or punitive damages, including but not limited to loss of profit, revenue or business, business interruption, loss of programs or information, loss of savings, or any other damages arising, in any way, shape or form, out of the availability, use, reliance on, or inability to utilize the Services arising in whole or in part from Your access to this Platform or Your use of the Services, even if Finantier has been advised of the possibility of such damages.
    3. These ETC and other provisions set forth by Finantier are regulated by and constructed in accordance with the relevant local laws where Finantier operates. You agree that any legal actions or disputes that may arise from, relating to, the use of the Platform shall be resolved exclusively within the jurisdiction of each country as determined in the commercial agreement between you and Finantier.
    4. If you need any support or you still need answers to questions that are not contained in these ETC, you can contact us through email at [email protected].
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