By accessing Fynancr websites, dashboards, or APIs (the "Services"), you agree to these Terms of Use and our Privacy Policy. If you use the Services on behalf of a company you represent, you are authorized to bind that company. If you do not agree, do not use the Services.
Fynancr provides software to help lenders manage borrower engagement and risk. We are not a bank, lender, loan servicer, debt collector, investment advisor, or law firm, and we do not make credit decisions. Any credit or servicing decisions are made by your lender.
You must be at least 18 (or the age of majority in your jurisdiction). You're responsible for safeguarding your credentials and enabling MFA where offered. Notify us immediately of unauthorized use.
Subject to these Terms, we grant you a limited, non-exclusive, non-transferable license to access and use the Services for your internal business purposes. You will not:
We may throttle, suspend, or terminate access that violates these Terms or risks the platform.
If your company has a separate Master Services Agreement (MSA) with Fynancr, that MSA controls in case of conflict. These Terms apply to general site/app use.
When borrowers use Fynancr-powered features, the borrower's relationship is with the lender/servicer. Fynancr provides technology only. Questions about eligibility, fees, or credit reporting should be directed to your lender.
By providing a phone or email, you consent to receive service-related communications (including SMS/calls) as permitted by law and your lender's policies. Marketing requires your consent where required. You agree to transact electronically (ESIGN).
To opt out of SMS: reply STOP. Standard message/data rates may apply.
The Services may integrate with third-party tools. Their terms and privacy policies govern their services.
Fynancr owns the Services and all related IP. You retain your content and grant us a limited license to use it to operate the Services. Feedback you submit may be used without restriction.
If you access non-public dashboards or APIs, you must keep Fynancr's non-public information confidential and use it solely to evaluate or use the Services.
THE SERVICES ARE PROVIDED "AS IS" AND "AS AVAILABLE." TO THE MAXIMUM EXTENT PERMITTED BY LAW, WE DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.
TO THE MAXIMUM EXTENT PERMITTED BY LAW, FYNANCR WILL NOT BE LIABLE FOR INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR FOR LOST PROFITS/REVENUE/GOODWILL, EVEN IF ADVISED OF THE POSSIBILITY. OUR AGGREGATE LIABILITY RELATING TO THE SERVICES WILL NOT EXCEED THE GREATER OF $100 OR THE AMOUNT YOU PAID US IN THE 12 MONTHS BEFORE THE CLAIM.
Some jurisdictions do not allow certain limitations; in those cases, the limits apply to the fullest extent allowed.
You will defend and indemnify Fynancr and its officers, directors, and employees from claims arising out of your content, your use of the Services, or your violation of these Terms or law.
You may stop using the Services at any time. We may suspend or terminate access with notice for cause (e.g., security risk, non-payment, legal requirements). Certain sections survive termination (IP, confidentiality, disclaimers, liability, governing law).
These Terms are governed by the laws of the State of Delaware, excluding conflict-of-law rules.
Arbitration & class-action waiver (U.S. users): Except for small-claims or injunctive relief, disputes will be resolved by binding arbitration administered by the AAA under its Commercial (or Consumer, as applicable) Rules. YOU WAIVE THE RIGHT TO A JURY TRIAL AND TO PARTICIPATE IN A CLASS ACTION. You may opt out of arbitration within 30 days by emailing legal@fynancr.com with subject "Arbitration Opt-Out" and your account email.
You will not use the Services in violation of U.S. export controls or sanctions, or in restricted regions.
We may modify these Terms; updates are effective when posted. Continued use constitutes acceptance.