Terms of Use

These Terms of Use constitute a legally binding agreement made between you, whether personally or on behalf of an entity ("you" or "user") and Unbreak Finance, Inc., ("Unbreak Finance", the "Company", "we", "us", or "our") concerning your access to and use of the unbreakfinance.com website as well as any other media form, media channel, mobile website or mobile application related, linked, or otherwise connected thereto (collectively, the "Site" or our "Service").

You agree that by accessing the Site, you have read, understood, and agreed to be bound by all of these Terms of Use. IF YOU DO NOT AGREE WITH ALL OF THESE TERMS OF USE, THEN YOU ARE EXPRESSLY PROHIBITED FROM USING THE SITE AND YOU MUST DISCONTINUE USE IMMEDIATELY.

Modification of Terms

We reserve the right, in our sole discretion, to make changes or modifications to these Terms of Use at any time and for any reason. We will alert you about any changes by updating the "Last updated" date of these Terms of Use, and you waive any right to receive specific notice of each such change. It is your responsibility to periodically review these Terms of Use to stay informed of updates. You will be subject to, and will be deemed to have been made aware of and to have accepted, the changes in any revised Terms of Use by your continued use of the Site after the date such revised Terms of Use are posted.

Service Description

The Site is a personal-finance platform that helps you compare personal loans and other credit products, alongside educational articles, guides, and financial calculators. The Site is free to use. We earn revenue through affiliate links to third-party providers, and we plan to introduce a cashback rewards program in the future.

Affiliate Relationships and Compensation

The Site participates in affiliate and referral programs with third-party providers, including lenders and other financial companies. When you click a link on the Site and apply for, are approved for, or accept a product or service from one of these providers, we may receive a commission or other compensation. This compensation is how we keep the Site free to use.

Editorial Independence: The compensation we receive does not influence the reviews, ratings, rankings, or opinions expressed on the Site. We do not accept payment in exchange for favorable reviews, and we do not offer paid placement or "featured" positions to providers.

Availability and Accuracy: Rates, fees, terms, and product availability shown on the Site are provided by third parties and may change without notice. We do not guarantee that any product, rate, or term displayed will be available to you. The actual terms you receive are determined solely by the provider.

Cashback and Rewards

We intend to offer a cashback rewards program that shares a portion of the compensation we earn with our users. This program is not yet available, and nothing on the Site is a promise or guarantee of any current or future reward.

If and when we launch a rewards program, your participation will be subject to additional program terms published at that time. We reserve the right to set and change eligibility requirements, reward amounts and rates, and the manner and timing of any payout, and to modify, suspend, or discontinue the program at any time. We may withhold, reduce, or reverse rewards in cases of fraud, abuse, or error, or where the underlying product or transaction is cancelled, returned, reversed, or otherwise does not complete.

No Financial or Professional Advice

The content, tools, and calculators on the Site are provided for general informational and educational purposes only. They do not constitute financial, legal, or tax advice, and are not a recommendation to enter into any particular financial product or transaction. You should consider seeking advice from a qualified professional before making any financial decision. Any action you take based on information on the Site is at your own risk.

User Responsibilities

As a user of our Service, you agree to the following responsibilities:

1. You must be at least 18 years old and a resident of the United States.

2. You will not access the Site through automated or non-human means, whether through a bot, script, or otherwise.

3. You agree not to use our Service for any unlawful or fraudulent purposes.

Failure to comply with any of these responsibilities may result in us refusing any and all current or future use of the Site.

User Accounts

Some features of the Site, including any future rewards program, may require you to create an account. You must be at least 18 years old and a resident of the United States to register. When you create an account, you agree to provide accurate, current, and complete information and to keep it up to date.

You are responsible for maintaining the confidentiality of your login credentials and for all activity that occurs under your account. You agree not to share your credentials, and to notify us promptly at help@unbreakfinance.com if you suspect any unauthorized use of your account. We are not liable for any loss arising from unauthorized use of your account. You may request that we close your account at any time by contacting us at help@unbreakfinance.com, and we may suspend or terminate your account as described in the "Term and Termination" section below.

Communications from Us

By creating an account or providing your contact information, you consent to receive communications from us electronically, including by email. These fall into two categories:

Service communications: messages necessary to operate your account and the Site, such as account verification, password resets, security notices, and changes to these Terms of Use or our Privacy Notice. While you maintain an account you cannot opt out of these, as they are essential to providing the Service.

Updates and marketing: optional messages about new features, our cashback rewards program, and other news. You can opt out of these at any time by contacting us at help@unbreakfinance.com. Opting out of these does not stop service communications.

Prohibited Activities

You agree not to engage in any of the following prohibited activities while using our Service:

Unauthorized Access: Attempting to access any part of the website, server, or system without authorization.

Distribution of Malware: Uploading or distributing any software or material that contains viruses, worms, Trojan horses, or any other harmful or malicious components that interferes with any party’s uninterrupted use and enjoyment of the Site or modifies, impairs, disrupts, alters, or interferes with the use, features, functions, operation, or maintenance of the Site.

Illegal Activities: Using the service for any illegal purpose, including but not limited to fraud and money laundering.

Harassment or Abuse: Engaging in any form of harassment, abuse, or threatening behavior towards other users or Company staff.

Impersonation: Impersonating any person or entity, or falsely stating or misrepresenting your affiliation with a person or entity.

Interference: Interfering with the operation of the Site, including but not limited to disrupting the normal flow of communication, spamming, or overloading the system.

Intellectual Property Violations: Violating any intellectual property rights, including but not limited to copyright, trademark, or patent infringement.

Data Mining or Scraping: Using any automated means, such as bots or crawlers, to collect or extract data from the website without our prior written consent.

Copying or Adapting the Site's Code or Software: Copying, dissammbling, decompiling, adapting, modifying, reverse engineering, or creating derivative works based on the Site's code or software without our prior written consent.

Unauthorized Commercial Activities: Using our Service for any unauthorized commercial activities, including advertising or selling goods or services without our consent.

Third Party Content and Communication

The Site may contain (or you may be sent via the Site) links to other websites ("Third Party Websites") as well as articles, photographs, text, graphics, pictures, designs, music, sound, video, information, applications, software, and other content or items belonging to or originating from third parties ("Third Party Content"). Please read the following terms regarding Third Party Content and communication:

Disclaimer: The Site may contain links to third party websites, advertisements, services, special offers, or other events or activities that are not owned or controlled by Company. We do not endorse or assume any responsibility for any such Third Party Websites, information, materials, products, or services.

No Responsibility: Company shall not be responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with use of or reliance on any such content, goods, or services available on or through any such Third Party Websites or services.

No Representations or Direct Communication: The Company will not make any representations, warranties, or assurances to third parties on behalf of users, nor will there be any direct communication between the Company and third parties on behalf of users. Any communication or interaction with third parties, including but not limited to creditors, lenders, credit reporting agencies or financial institutions, is the sole responsibility of the user.

Use at Your Own Risk: Your interaction with any Third Party Websites, service, or content accessed through our website, including payment and delivery of goods or services, and any other terms, conditions, warranties, or representations associated with such dealings, are solely between you and such third party. You agree that the Company shall not be responsible or liable for any loss or damage of any sort incurred as the result of any such dealings.

Third Party Terms: When you leave our website or are redirected to a Third Party Website or application, you are subject to the terms and conditions and privacy policies of that third party. We encourage you to read the terms and conditions and privacy policy of any Third Party Website or service that you visit.

Privacy Policy

By using the Site, you agree to be bound by our Privacy Policy posted on the Site, which is incorporated into these Terms of Use. Please be advised the Site is hosted in the United States. If you access the Site from any other region of the world with laws or other requirements governing personal data collection, use, or disclosure that differ from applicable laws in the United States, then through your continued use of the Site, you are transferring your data to the United States, and you agree to have your data transferred to and processed in the United States.

Site Modifications and Interruptions

We reserve the right to change, modify, or remove the contents of the Site at any time or for any reason at our sole discretion without notice. However, we have no obligation to update any information on our Site. We also reserve the right to modify or discontinue all or part of the Site without notice at any time. We will not be liable to you or any third party for any modification, price change, suspension, or discontinuance of the Site.

We cannot guarantee the Site will be available at all times. We may experience hardware, software, or other problems or need to perform maintenance related to the Site, resulting in interruptions, delays, or errors. We reserve the right to change, revise, update, suspend, discontinue, or otherwise modify the Site at any time or for any reason without notice to you. You agree that we have no liability whatsoever for any loss, damage, or inconvenience caused by your inability to access or use the Site during any downtime or discontinuance of the Site. Nothing in these Terms of Use will be construed to obligate us to maintain and support the Site or to supply any corrections, updates, or releases in connection therewith.

Site Management

We reserve the right, but not the obligation, to:

1. Monitor the Site for violations of these Terms of Use;

2. Take appropriate legal action against anyone who, in our sole discretion, violates the law or these Terms of Use, including without limitation, reporting such user to law enforcement authorities;

3. In our sole discretion and without limitation, refuse, restrict access to, limit the availability of, or disable (to the extent technologically feasible) any of your Contributions or any portion thereof;

4. In our sole discretion and without limitation, notice, or liability, to remove from the Site or otherwise disable all files and content that are excessive in size or are in any way burdensome to our systems; and

5. Otherwise manage the Site in a manner designed to protect our rights and property and to facilitate the proper functioning of the Site.

Term and Termination

These Terms of Use shall remain in full force and effect while you use the Site. WITHOUT LIMITING ANY OTHER PROVISION OF THESE TERMS OF USE, WE RESERVE THE RIGHT TO, IN OUR SOLE DISCRETION AND WITHOUT NOTICE OR LIABILITY, DENY ACCESS TO AND USE OF THE SITE (INCLUDING BLOCKING CERTAIN IP ADDRESSES), TO ANY PERSON FOR ANY REASON OR FOR NO REASON, INCLUDING WITHOUT LIMITATION FOR BREACH OF ANY REPRESENTATION, WARRANTY, OR COVENANT CONTAINED IN THESE TERMS OF USE OR OF ANY APPLICABLE LAW OR REGULATION. WE MAY TERMINATE YOUR USE OR PARTICIPATION IN THE SITE OR DELETE ANY CONTENT OR INFORMATION THAT YOU POSTED AT ANY TIME, WITHOUT WARNING, IN OUR SOLE DISCRETION.

Corrections

There may be information on the Site that contains typographical errors, inaccuracies, or omissions, including descriptions, pricing, availability, and various other information. We reserve the right to correct any errors, inaccuracies, or omissions and to change or update the information on the Site at any time, without prior notice.

Disclaimer

THE SITE IS PROVIDED ON AN AS-IS AND AS-AVAILABLE BASIS. YOU AGREE THAT YOUR USE OF THE SITE AND OUR SERVICES WILL BE AT YOUR SOLE RISK. TO THE FULLEST EXTENT PERMITTED BY LAW, WE DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, IN CONNECTION WITH THE SITE AND YOUR USE THEREOF, INCLUDING, WITHOUT LIMITATION, THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. WE MAKE NO WARRANTIES OR REPRESENTATIONS ABOUT THE ACCURACY OR COMPLETENESS OF THE SITE’S CONTENT OR THE CONTENT OF ANY WEBSITES LINKED TO THE SITE AND WE WILL ASSUME NO LIABILITY OR RESPONSIBILITY FOR ANY (1) ERRORS, MISTAKES, OR INACCURACIES OF CONTENT AND MATERIALS, (2) PERSONAL INJURY OR PROPERTY DAMAGE, OF ANY NATURE WHATSOEVER, RESULTING FROM YOUR ACCESS TO AND USE OF THE SITE, (3) ANY UNAUTHORIZED ACCESS TO OR USE OF OUR SECURE SERVERS AND/OR ANY AND ALL PERSONAL INFORMATION AND/OR FINANCIAL INFORMATION STORED THEREIN, (4) ANY INTERRUPTION OR CESSATION OF TRANSMISSION TO OR FROM THE SITE, (5) ANY BUGS, VIRUSES, TROJAN HORSES, OR THE LIKE WHICH MAY BE TRANSMITTED TO OR THROUGH THE SITE BY ANY THIRD PARTY, AND/OR (6) ANY ERRORS OR OMISSIONS IN ANY CONTENT AND MATERIALS OR FOR ANY LOSS OR DAMAGE OF ANY KIND INCURRED AS A RESULT OF THE USE OF ANY CONTENT POSTED, TRANSMITTED, OR OTHERWISE MADE AVAILABLE VIA THE SITE. WE DO NOT WARRANT, ENDORSE, GUARANTEE, OR ASSUME RESPONSIBILITY FOR ANY PRODUCT OR SERVICE ADVERTISED OR OFFERED BY A THIRD PARTY THROUGH THE SITE, ANY HYPERLINKED WEBSITE, OR ANY WEBSITE OR MOBILE APPLICATION FEATURED IN ANY BANNER OR OTHER ADVERTISING, AND WE WILL NOT BE A PARTY TO OR IN ANY WAY BE RESPONSIBLE FOR MONITORING ANY TRANSACTION BETWEEN YOU AND ANY THIRD-PARTY PROVIDERS OF PRODUCTS OR SERVICES. AS WITH THE PURCHASE OF A PRODUCT OR SERVICE THROUGH ANY MEDIUM OR IN ANY ENVIRONMENT, YOU SHOULD USE YOUR BEST JUDGMENT AND EXERCISE CAUTION WHERE APPROPRIATE.

Limitations of Liability

IN NO EVENT WILL WE OR OUR DIRECTORS, EMPLOYEES, OR AGENTS BE LIABLE TO YOU OR ANY THIRD PARTY FOR ANY DIRECT, INDIRECT, CONSEQUENTIAL, EXEMPLARY, INCIDENTAL, SPECIAL, OR PUNITIVE DAMAGES, INCLUDING LOST PROFIT, LOST REVENUE, LOSS OF DATA, OR OTHER DAMAGES ARISING FROM YOUR USE OF THE SITE, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. NOTWITHSTANDING ANYTHING TO THE CONTRARY CONTAINED HEREIN, OUR LIABILITY TO YOU FOR ANY CAUSE WHATSOEVER AND REGARDLESS OF THE FORM OF THE ACTION, WILL AT ALL TIMES BE LIMITED TO THE LESSER OF THE AMOUNT PAID, IF ANY, BY YOU TO US DURING THE SIX (6) MONTH PERIOD PRIOR TO ANY CAUSE OF ACTION ARISING OR $1,000.00 USD. CERTAIN STATE LAWS DO NOT ALLOW LIMITATIONS ON IMPLIED WARRANTIES OR THE EXCLUSION OR LIMITATION OF CERTAIN DAMAGES. IF THESE LAWS APPLY TO YOU, SOME OR ALL OF THE ABOVE DISCLAIMERS OR LIMITATIONS MAY NOT APPLY TO YOU, AND YOU MAY HAVE ADDITIONAL RIGHTS.

Indemnification

You agree to defend, indemnify, and hold us harmless, including our subsidiaries, affiliates, and all of our respective officers, agents, partners, and employees, from and against any loss, damage, liability, claim, or demand, including reasonable attorneys’ fees and expenses, made by any third party due to or arising out of: (1) use of the Site; (2) storage of user data; (3) breach of these Terms of Use; (4) any breach of your representations and warranties set forth in these Terms of Use; (5) your violation of the rights of a third party, including but not limited to intellectual property rights; or (6) any overt harmful act toward any other user of the Site with whom you connected via the Site. Notwithstanding the foregoing, we reserve the right, at your expense, to assume the exclusive defense and control of any matter for which you are required to indemnify us, and you agree to cooperate, at your expense, with our defense of such claims. We will use reasonable efforts to notify you of any such claim, action, or proceeding which is subject to this indemnification upon becoming aware of it.

User Data

We will maintain certain data that you transmit to the Site for the purpose of managing the performance of the Site, as well as data relating to your use of the Site. Although we perform regular routine backups of data, you are solely responsible for all data that you transmit or that relates to any activity you have undertaken using the Site. You agree that we shall have no liability to you for any loss or corruption of any such data, and you hereby waive any right of action against us arising from any such loss or corruption of such data.

California Users and Residents

If any complaint with us is not satisfactorily resolved, you can contact the Complaint Assistance Unit of the Division of Consumer Services of the California Department of Consumer Affairs in writing at 1625 North Market Blvd., Suite N 112, Sacramento, California 95834 or by telephone at (800) 952-5210 or (916) 445-1254..

Copyright Infringement

If you believe that any material available on or through the Site infringes upon any copyright you own or control, please immediately notify us using the contact information provided below (a “Notification”). A copy of your Notification will be sent to the person who posted or stored the material addressed in the Notification. Please be advised that pursuant to applicable law you may be held liable for damages if you make material misrepresentations in a Notification. Thus, if you are not sure that material located on or linked to by the Site infringes your copyright, you should consider first contacting an attorney.

Electronic Communications, Transactions, And Signatures

Visiting the Site, sending us emails, and completing online forms constitute electronic communications. You consent to receive electronic communications, and you agree that all agreements, notices, disclosures, and other communications we provide to you electronically, via email and on the Site, satisfy any legal requirement that such communication be in writing. YOU HEREBY AGREE TO THE USE OF ELECTRONIC SIGNATURES, CONTRACTS, ORDERS, AND OTHER RECORDS, AND TO ELECTRONIC DELIVERY OF NOTICES, POLICIES, AND RECORDS OF TRANSACTIONS INITIATED OR COMPLETED BY US OR VIA THE SITE. You hereby waive any rights or requirements under any statutes, regulations, rules, ordinances, or other laws in any jurisdiction which require an original signature or delivery or retention of non-electronic records, or to payments or the granting of credits by any means other than electronic means.

Miscellaneous

These Terms of Use and any policies or operating rules posted by us on the Site or in respect to the Site constitute the entire agreement and understanding between you and us. Our failure to exercise or enforce any right or provision of these Terms of Use shall not operate as a waiver of such right or provision. These Terms of Use operate to the fullest extent permissible by law. We may assign any or all of our rights and obligations to others at any time. We shall not be responsible or liable for any loss, damage, delay, or failure to act caused by any cause beyond our reasonable control. If any provision or part of a provision of these Terms of Use is determined to be unlawful, void, or unenforceable, that provision or part of the provision is deemed severable from these Terms of Use and does not affect the validity and enforceability of any remaining provisions. There is no joint venture, partnership, employment or agency relationship created between you and us as a result of these Terms of Use or use of the Site. You agree that these Terms of Use will not be construed against us by virtue of having drafted them. You hereby waive any and all defenses you may have based on the electronic form of these Terms of Use and the lack of signing by the parties hereto to execute these Terms of Use.