Last updated: January 7, 2022

By accessing our product finloo.ph ("Site") owned by Finloo (Individual entrepreneur Anton Olefir) and using the services on this website, you agree to the following terms and conditions ("Terms"). Please read these Terms carefully. If you do not accept these Terms, do not access or use this Website. The Finloo service is owned by IE (individual entrepreneur) Anton Olefir. All links below are Finloo products and services.

Finloo offers consumers the opportunity to find potential participating lenders (“Participating Lenders”) who can provide lending services to them. To use the service, you must answer one or more questions through our application or chat, which will allow the service to request specific information, including, but not limited to, the purpose of your loan, amount, repayment period, commission, your salary, age, and employment. Finloo's use of this information is governed by that website's Privacy Policy. In order to use this website or service, you must accept the separate Terms and Conditions set out in the Privacy Policy, which is included here for reference. By answering the question(s), you understand and agree that you are submitting a loan request to Finloo and to each participating lender to which Finloo applies for a loan. By answering questions, you send Finloo and each participating lender with whom Finloo shares your information direct invitations to contact you by any means (including email, telephone and direct mail, and other possible means of communication) so that they can assist you with your request or provide you with information about additional offers that may be of interest to you. Participating lenders who receive your information from Finloo will review your information to determine if your information meets the lender's eligibility criteria. Participating lenders can: Verify your ID number, do a credit check, and view information in a national database that tracks consumer transactions with credit unions. By submitting your question(s) and clicking the "More Information" button, you agree to allow participating lenders to view, verify and research your information in this manner. If a participating lender determines that your information meets the eligibility criteria for a loan, they will contact you directly. You understand and agree that once you have been redirected to the lender's website, Finloo will no longer be involved in the loan application or approval process.

Your future interactions with a lender are governed by the Privacy Policy, Terms of Use and other policies and/or terms and conditions set by that lender. Finloo is not a lender and does not make credit or credit decisions with respect to its loan settlement services. Finloo does not guarantee acceptance of any particular lending program or particular loan terms with any participating lending company. Finloo does not warrant that the prices, products, availability, fees, commissions or other credit terms offered by participating lenders and available through the credit approval service are the best available on the market. Finloo does not endorse or endorse any particular loan company's products. Finloo is not your agent or lender. Finloo is not involved in the use and/or verification of your information by lenders or in determining whether you qualify for a loan from a particular lender. The lender is solely responsible for its services to you and you agree that Finloo shall not be liable for any loss or expense of any kind arising out of or in any way in connection with your use of the credit adjustment service. You understand that participating lenders may retain your information regardless of your eligibility to receive credit from them. The lender is solely responsible for its services to you and you agree that Finloo shall not be liable for any loss or expense of any kind arising out of or under any circumstances in any way related to your use of the credit adjustment service. You understand that participating lenders may retain your information whether or not you are eligible for a loan from them.

Finloo reserves the right to change any information, features and/or characteristics of the Credit Adjustment Service without prior notice. Finloo may deny you access to all or part of the Services without prior notice if your conduct or activity, which Finloo determines in its sole discretion, violates these Terms and the rights of Finloo or any third party, or is otherwise inappropriate. Finloo is not responsible for any errors or delays in the provision of lending services due to errors in the information you provide to us, or due to technical problems beyond our legal control, our agent.

This website and related information, software, products and services are provided for information purposes only. Finloo disclaims warranties of any kind, express or implied, with respect to any matter in connection with this website and any information, software, products or services provided therein, including, but not limited to, warranties of title, non-infringement, commercial value, or fitness for a particular purpose. Finloo makes no warranties regarding the results that may be obtained from the use of this website or the information, software, products and services associated with it. Your use of this website and/or Finloo services is at your own risk. Some regions do not allow the limitation of liability or the disclaimer of implied warranties, so the above disclaimers and limitations may not apply to you. In such regions, the respective liability of Finloo, Finloo's participating creditors and its officers, directors, agents, subsidiaries, affiliates, employees, successors, assigns, beneficiaries, content providers and service providers is limited to the maximum extent permitted by law.

Finloo products may contain links to other websites operated by participating lenders or other third parties. Such links are provided for your convenience and for informational purposes only. Finloo does not in any way manage or control the information, software, products or services on such third party websites. The use of Finloo's additional link does not imply endorsement of the service or website, its content or sponsoring organization.

These terms and conditions constitute the entire agreement between you and Finloo. These Terms shall be governed by the laws of the Philippines without regard to its conflict of law provisions. If any part of these Terms is not unenforceable under applicable law, the invalid and unenforceable provision will be deemed superseded by a valid and enforceable provision more in line with the intent of the original provision, and the remainder of these Terms will remain in full. Any failure by Finloo to exercise or enforce any right or provision of these Terms shall not be deemed a waiver of such right or provision. Finloo may modify these Terms at any time by posting the revised terms on its website.