Last Updated: January 2025
By accessing and using this website ("Site") and its services, you acknowledge that you have read, understood, and agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, please do not use our Site or services.
Finer Financing provides access to publicly available information through third-party data providers. Our services include, but are not limited to:
You must be at least 18 years of age to use our services. By using this Site, you represent and warrant that you are at least 18 years old and have the legal capacity to enter into these Terms.
You agree NOT to use our services for any of the following purposes:
We are NOT a consumer reporting agency as defined by the Fair Credit Reporting Act (15 U.S.C. ยง 1681 et seq.). The information provided through our services may not be used to determine an individual's eligibility for credit, insurance, employment, housing, or any other purpose covered by the FCRA. You certify that you will not use our services for any FCRA-regulated purpose.
While we strive to provide accurate information, we cannot guarantee the accuracy, completeness, or timeliness of any data provided through our services. Information is obtained from third-party sources and public records, which may contain errors or outdated information. You acknowledge that you use any information obtained through our services at your own risk.
All content on this Site, including but not limited to text, graphics, logos, images, and software, is the property of Finer Financing or its content suppliers and is protected by United States and international copyright laws. You may not reproduce, distribute, modify, or create derivative works from any content without our express written permission.
If you create an account on our Site, you are responsible for maintaining the confidentiality of your account information and for all activities that occur under your account. You agree to notify us immediately of any unauthorized use of your account.
Certain services may require payment. By purchasing services, you agree to pay all applicable fees. All payments are non-refundable unless otherwise stated. We reserve the right to change our pricing at any time.
TO THE MAXIMUM EXTENT PERMITTED BY LAW, FINER FINANCING SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR ANY LOSS OF PROFITS OR REVENUES, WHETHER INCURRED DIRECTLY OR INDIRECTLY, OR ANY LOSS OF DATA, USE, GOODWILL, OR OTHER INTANGIBLE LOSSES RESULTING FROM:
You agree to indemnify, defend, and hold harmless Finer Financing and its officers, directors, employees, agents, and affiliates from and against any claims, liabilities, damages, losses, and expenses, including reasonable attorney fees, arising out of or in any way connected with your access to or use of our services or your violation of these Terms.
We reserve the right to modify these Terms at any time. Changes will be effective immediately upon posting to the Site. Your continued use of our services after any changes constitutes your acceptance of the modified Terms.
We may terminate or suspend your access to our services immediately, without prior notice or liability, for any reason, including without limitation if you breach these Terms.
These Terms shall be governed by and construed in accordance with the laws of the United States, without regard to its conflict of law provisions.
Any dispute arising from these Terms or your use of our services shall be resolved through binding arbitration in accordance with the rules of the American Arbitration Association.
If any provision of these Terms is found to be unenforceable or invalid, that provision shall be limited or eliminated to the minimum extent necessary so that these Terms shall otherwise remain in full force and effect.
If you have any questions about these Terms of Service, please contact us through our website.