Terms of Use — Finravia US

Last updated: 06/22/2026

These Terms of Use (“Terms”) govern your access to and use of the U.S. section of Finravia (“Finravia,” “Website,” “we,” “us”), including pages under:

https://finravia.com/us/

By accessing or using the Website, you agree to these Terms. If you do not agree with these Terms, do not use the Website.

Finravia US is an informational financial portal. We publish educational articles, financial explainers, product reviews, comparison materials, and tools related to credit, banking, payments, loans, and consumer finance topics.

Finravia is not a bank, lender, broker, credit bureau, investment adviser, tax adviser, legal adviser, or provider of financial services. We do not issue loans, approve credit, open accounts, process applications, provide individualized financial recommendations, or make financial decisions for users.

The Website does not provide user accounts, loan applications, contact forms, comments, subscriptions, or public user profiles.

1. Contact

For questions about these Terms, contact:

info@finravia.com

Use the subject line:

“Terms Request — Finravia US”

2. Scope of These Terms

These Terms apply to your use of the U.S. section of Finravia.

They do not apply to third-party websites, banks, lenders, fintech platforms, credit-related services, government websites, product providers, external tools, or other websites that we do not operate.

If you click a third-party link and leave Finravia, that third party’s terms, privacy policy, cookie policy, fees, eligibility rules, and product conditions apply separately.

3. Eligibility and Access

You may use the Website only in compliance with applicable laws and these Terms.

If you access the Website from a location where any part of the Website is restricted or unlawful, you do so on your own initiative and are responsible for complying with local laws.

We may restrict, suspend, or discontinue access to all or part of the Website for security, maintenance, technical, legal, or operational reasons.

4. Informational Purposes Only

All content on the Website is provided for general informational and educational purposes only.

Nothing on the Website should be treated as:

  • financial advice;
  • investment advice;
  • legal advice;
  • tax advice;
  • accounting advice;
  • credit counseling;
  • debt advice;
  • lending advice;
  • a recommendation to apply for a specific product;
  • an offer, approval, guarantee, or commitment from any financial provider.

Financial products and services may involve fees, interest, penalties, eligibility requirements, credit checks, contractual obligations, and risk. Before making a financial decision, review official provider terms, contracts, disclosures, fees, and applicable laws. If needed, consult a qualified professional.

5. No Financial Services or Applications

Finravia does not provide financial services.

We do not:

  • issue loans;
  • approve or deny credit;
  • collect loan applications;
  • open bank accounts;
  • process credit card applications;
  • provide brokerage or investment services;
  • provide tax or legal services;
  • access your bank account;
  • request your Social Security number through the Website;
  • request bank login credentials;
  • request card numbers, CVV codes, or private account credentials.

If a third-party financial provider requests personal or financial information, that request happens on the third party’s own website or platform and is governed by that provider’s own terms and privacy policy.

6. Content Accuracy, Updates, and No Guarantees

We aim to publish accurate, clear, and useful financial information. However, financial information can change quickly.

Rates, fees, eligibility criteria, product terms, provider conditions, regulatory requirements, availability, and user outcomes may change without notice. Content may become incomplete, outdated, or inaccurate despite our editorial efforts.

To the maximum extent permitted by law:

  • the Website and content are provided “as is” and “as available”;
  • we do not guarantee that content is complete, current, accurate, suitable, or error-free;
  • we do not guarantee that any financial product will be available to you;
  • we do not guarantee approval, savings, lower costs, better credit, investment performance, or any financial outcome;
  • we do not guarantee that the Website will be uninterrupted, secure, or free from technical issues.

You should verify important information directly with the relevant provider, official source, regulator, contract, disclosure, or qualified professional before acting on it.

7. Reviews, Comparisons, and Editorial Content

The Website may include product reviews, comparisons, rankings, explainers, or educational guides.

These materials are intended to help readers understand financial topics, compare general product conditions, and identify questions to ask before choosing a product or service.

Reviews and comparisons may consider factors such as:

  • fees;
  • rates;
  • terms;
  • eligibility conditions;
  • risks;
  • limitations;
  • provider information;
  • public disclosures;
  • official sources;
  • user relevance;
  • methodology criteria where applicable.

A review, comparison, rating, or article does not guarantee that a product is suitable for you. Product availability, pricing, eligibility, approval, and terms depend on the provider and your individual circumstances.

If a page uses a specific methodology, disclosure, or source note, those page-level statements should be read together with these Terms.

8. Advertising, Commercial Links, and Disclosure

The Website may display ads, commercial links, sponsored placements, affiliate links, or links to third-party financial product providers where applicable.

Commercial relationships do not change the informational nature of the Website. We aim to separate editorial explanations from advertising or commercial placements where required.

A link to a third-party product or provider does not mean that Finravia guarantees the product, endorses the provider, or confirms that the product is suitable for your situation.

Before using any third-party product or service, review the provider’s official terms, costs, disclosures, eligibility rules, privacy policy, and contractual documents.

9. External Links and Third-Party Services

The Website may contain links to third-party websites, including banks, lenders, fintech companies, card issuers, credit-related services, government resources, research sources, and official product pages.

These links are provided for reference, context, convenience, or user navigation.

We do not control third-party websites and are not responsible for:

  • their content;
  • their product terms;
  • their privacy practices;
  • their cookie practices;
  • their fees or charges;
  • their application processes;
  • their eligibility decisions;
  • their security practices;
  • their accuracy or availability.

Your use of third-party websites is governed by those third parties’ own terms and policies.

10. No Professional or Special Relationship

Your use of the Website does not create any fiduciary, advisory, broker-client, lender-borrower, attorney-client, tax adviser-client, consultant-client, or other professional relationship between you and Finravia.

No content on the Website creates a personalized recommendation, professional engagement, duty to monitor your financial situation, or duty to update you about changes that may affect your decisions.

11. Intellectual Property

Unless otherwise stated, all content on the Website is owned by, licensed to, or lawfully used by Finravia. This includes text, articles, guides, reviews, page structure, design elements, graphics, logos, compilations, and other Website materials.

The Website content is protected by copyright, trademark, and other applicable intellectual property laws.

12. Permitted Use

You may:

  • access and read the Website for personal, non-commercial use;
  • share links to Website pages;
  • quote limited excerpts where permitted by law and with appropriate attribution;
  • use the Website for independent research and education.

If you use materials or content from Finravia, a visible hyperlink to the original Finravia page is required where legally and technically appropriate.

13. Prohibited Use

You may not, to the maximum extent permitted by law:

  • copy, reproduce, republish, upload, post, transmit, distribute, or publicly display substantial portions of Website content without prior written permission;
  • create derivative works from Website content without permission;
  • remove copyright, trademark, attribution, or proprietary notices;
  • use bots, scrapers, crawlers, automated tools, or data extraction methods in a way that imposes unreasonable load, bypasses controls, or violates applicable law;
  • attempt to gain unauthorized access to the Website, servers, systems, or administrative areas;
  • interfere with or disrupt Website operation;
  • introduce malware, harmful code, automated abuse, DDoS traffic, or security attacks;
  • use the Website for unlawful, fraudulent, deceptive, or abusive purposes;
  • misrepresent Finravia content as your own;
  • use Finravia content in a misleading financial promotion or false endorsement.

Nothing in these Terms is intended to limit rights you may have under applicable law, including fair use, quotation rights, consumer rights, or other non-waivable legal rights.

14. Privacy, Cookies, Analytics, and Advertising Technologies

Your use of the Website is also subject to our Privacy Policy and Cookie Policy.

The Website does not provide user accounts, loan applications, contact forms, comments, subscriptions, or public user profiles.

However, the Website may use:

  • essential cookies;
  • standard server logs;
  • Google Analytics 4;
  • Google Ads or related advertising technologies where applicable;
  • security and diagnostics tools.

These technologies help operate, secure, measure, and improve the Website.

If you do not agree with our use of cookies, analytics, or advertising technologies as described in the Privacy Policy and Cookie Policy, you may adjust available cookie settings, use browser controls, or stop using the Website.

15. Security and Website Availability

We use reasonable technical and organizational measures to support Website security and availability.

However, no website, server, system, or internet transmission is completely secure or always available. We do not guarantee that the Website will be uninterrupted, error-free, free from vulnerabilities, or immune from unauthorized access.

You are responsible for using appropriate device security, browser security, and caution when clicking external links or entering information on third-party websites.

16. Disclaimer of Warranties

To the maximum extent permitted by applicable law, the Website and all content are provided “as is” and “as available,” without warranties of any kind, whether express, implied, statutory, or otherwise.

We disclaim all warranties to the maximum extent permitted by law, including warranties of:

  • accuracy;
  • completeness;
  • timeliness;
  • reliability;
  • availability;
  • merchantability;
  • fitness for a particular purpose;
  • non-infringement;
  • security;
  • uninterrupted operation;
  • error-free operation.

Some jurisdictions do not allow certain warranty exclusions, so some of these exclusions may not apply to you.

17. Limitation of Liability

To the maximum extent permitted by applicable law, Finravia and its operators, editors, authors, contractors, service providers, and related parties will not be liable for any direct, indirect, incidental, consequential, special, exemplary, punitive, or similar damages arising out of or related to:

  • your access to or use of the Website;
  • your inability to access or use the Website;
  • your reliance on Website content;
  • errors, omissions, inaccuracies, delays, or outdated information;
  • financial decisions made after reading Website content;
  • third-party websites, products, services, or providers linked from the Website;
  • unauthorized access, technical issues, or security incidents;
  • loss of data, profits, goodwill, business opportunities, or reputation.

In jurisdictions that do not allow certain liability limitations, our liability will be limited to the maximum extent permitted by law.

Nothing in these Terms limits liability that cannot legally be limited or excluded.

18. Indemnification

To the maximum extent permitted by law, you agree to indemnify and hold harmless Finravia and its operators, editors, authors, contractors, service providers, and related parties from claims, liabilities, damages, losses, costs, and expenses arising from:

  • your violation of these Terms;
  • your misuse of the Website;
  • your unlawful use of Website content;
  • your infringement of intellectual property or other rights;
  • your use of the Website in a deceptive, abusive, automated, or harmful manner.

19. Changes to the Website

We may update, modify, suspend, remove, or discontinue any part of the Website at any time.

This may include changes to:

  • content;
  • categories;
  • tools;
  • reviews;
  • comparisons;
  • links;
  • design;
  • functionality;
  • availability;
  • technical systems;
  • analytics or advertising technologies.

We are not obligated to maintain any specific page, feature, article, tool, link, provider listing, or historical version of the Website.

20. Changes to These Terms

We may update these Terms from time to time.

The “Last updated” date at the top of this page shows when the current version was published. Your continued use of the Website after updated Terms are posted means you accept the updated Terms.

If you do not agree with the updated Terms, stop using the Website.

21. Governing Law and Rights That Cannot Be Waived

These Terms are intended for the U.S. section of Finravia and should be interpreted to the maximum extent permitted by applicable law.

Because Finravia has not published a specific legal venue in these Terms, no exclusive court or arbitration venue is stated here.

Nothing in these Terms is intended to limit rights that cannot be waived under applicable consumer protection, privacy, intellectual property, or other laws.

If any specific governing law, venue, arbitration clause, or operator jurisdiction is added later, this section should be updated clearly and consistently with the published operator information.

22. Severability

If any part of these Terms is found invalid, unlawful, or unenforceable, the remaining provisions will remain in effect to the maximum extent permitted by law.

23. Entire Agreement

These Terms, together with the Privacy Policy, Cookie Policy, and any page-specific disclosures, methodology notes, advertising disclosures, or product review disclosures, form the agreement between you and Finravia regarding your use of the Website.

24. Summary

Finravia US is an informational financial portal. You may use the Website for education, research, and general financial understanding. The Website does not provide financial services, personalized financial advice, loan applications, credit approvals, or professional services.

You should verify financial information with official sources and product providers before making decisions.