Introduction
This website (WhatLender.com) is owned and provided by SIA MoneyGuru (registered in The Register of Enterprises of the Republic of Latvia (RE) with company register number 41503072001) whose registered address is: Karla Ulmana Alley 2, Riga, Latvia, LV1004
In these Terms and Conditions of use, "we", "our" and "us" states WhatLender.com and "you" and "your" means any person who accesses and uses this Website.
1. General
1.1. Terms and Conditions regulate usage of this Website. You accept these Terms and Conditions completely, by using this Website.
1.2. It is recommended not to use this website if the person using it does not accept these Terms and Conditions.
1.3. To use this Website you must be at least 18 years of age.
1.4. We reserve the right to amend these Terms and Conditions without notice when amending this page. The amended Terms and Conditions will be effective from the date they are posted on this Website. As these Terms and Conditions may be amended, we suggest you to check them whenever you visit this Website. Your continued use of this Website will constitute your acceptance of these Terms and Conditions.
2. Our Service
2.1. We provide an independent online service which enables you to research and compare information on loans provided by third parties and posted on this Website. Our comparison service is free for you to use. We do not add any fees or commissions to the products or services you compare. Our service introduces you to third parties who provide loans and other financial services. We are paid by charging third party financial service providers a fee and/or commission for customer acquisitions.
2.2. Nothing on this Website is, or shall be deemed to constitute financial, advice, recommendation or endorsement by us preferring any financial service referred to on this Website. Information on this Website is provided for general information purposes only and is provided for you to select the financial service that is most appropriate to meet your needs. You should always check the suitability, adequacy and appropriateness of the financial service that is of interest to you. We suggest you to seek independent professional advice before obtaining any financial service.
2.3. Nothing on this Website is, or shall be deemed to constitute, an offer to sell to you any particular financial service or to enter into any contract with you in respect of any financial service.
2.4. We tend to provide uninterrupted access to this Website. We give no warranty as to the uninterrupted availability of this Website in case of any damage or any circumstances unrelated to us. We reserve the right to suspend, restrict or terminate your access to this Website at any time.
2.5.We reserve the right to amend, delete, edit, modify add or remove any information, material, content or data displayed on this Website without prior notice.
3. Permitted use
3.1. You are only permitted to access and use this Website for your personal, non-commercial purposes. This Website may only be accessed and used directly by you as a private individual or by you as a business to seek a financial service directly and on your own behalf. Access and use of this Website other than for your personal, non-commercial purposes is strictly prohibited.
3.2. You are not permitted to use this Website:
3.2.1. In any unlawful, fraudulent or commercial manner.
3.2.2.To harm, abuse, threaten, defame, libel, intimidate or harass another person, or in a way that invades another person's privacy or is obscene, offensive, hateful, indecent, inappropriate, objectionable, unacceptable, discriminatory or damaging as determined by us.
3.2.3. To create, check, confirm, update, modify or amend your own or another person's databases, records or directories.
3.2.4. To amend, modify, tamper with or reverse engineer any part of this Website.
3.2.5. In a way that disrupts, imposes or interferes with an unreasonable or disproportionately large burden on our technical systems and communications as determined by us.
3.2.6. Using any automated software, process, program, robot, web crawler, spider, data mining, trawling or other automated screen reading software, process, program or system.
4. Intellectual property rights
4.1. The information, content, material or data displayed on this Website belongs to us, our licensors or financial service providers displayed. For your own personal use, you may temporarily print, copy, download or store extracts of information, content, material or data displayed on this Website, subject to the following conditions:
4.1.1. Information, content, material or data displayed on this Website may not be used for any commercial purposes and may not be commercially exploited in any way without our prior written consent.
4.1.2. You may not use any automated software, process, program, robot, web crawler, spider, data mining, trawling or other automated screen reading software, process, program or system.
4.1.3. Information may not be sold or transferred to any third party.
4.1.4. The copy must retain any copyright or other intellectual property notices contained in this website. You must not modify the paper or digital copies of such information, content, material or data.
4.1.5. The status of us, our licensors or financial service providers displayed must be acknowledged as the authors of such information, content, material or data.
4.2. All rights in WhatLender.com are owned by us.
5. Limits of our liability
5.1. We endeavor to ensure that information on this Website is accurate and up to date – correct errors or misinformation as soon as we are able to after becoming aware of them.
5.2. We are not responsible or liable for any loss or damage caused to you in connection with information, content, material or data collected from third parties and displayed on Website or any third party websites. We do not check, monitor, review, verify or endorse, and warn you that such information, content, material or data may be inaccurate, incomplete or out of date. It is your responsibility to check that information, content, material or data is accurate, complete, correct and up to date.
5.3. Any views, opinions, advice, reviews, ratings or comments on this Website or any third party websites which are made by third parties (including user content) do not represent our views, opinions advice, reviews and ratings. Such information should not be relied upon by you and are not checked, monitored, reviewed, verified or endorsed by us. We are not responsible or liable for any loss or damage you may suffer or incur in connection with views, opinions, advice, reviews, ratings or comments including in relation to their accuracy, truthfulness or completeness.
5.4. We do not give any warranty or guarantee that this Website, any third party website or any information, content, material or data on this Website or any third party website is free from viruses, spyware, malicious software, trojans, worms, logic bombs or anything else which may have a contaminating, harmful or destructive effect on any technology. We suggest you to use appropriate virus checking software. We are not responsible or liable for any loss or damage you may suffer or incur according to any of the above caused by any third party.
5.5. We are not responsible or liable for any loss or damage you may suffer or incur in connection with your use of this Website which is caused by any event beyond our reasonable control including the electronic transmission of information, content, material and data over the internet and the interception or decryption of it by others.
5.6. We are not responsible or liable for any indirect loss or damage you may suffer or incur in connection with your use of this Website (including any loss of savings you expect to make, loss of business or business opportunity, or loss of profit or revenue) or for any loss or damage you may suffer or incur in connection with your use of this Website.
6. Exclusion of our liability
6.1. Please be aware that the information and descriptions of products and services on this Website may not represent the complete descriptions of all the features and Terms and Conditions of financial products and services and is not a complete list of your loan options. You must ensure that you carefully read all the features and Terms and Conditions of any financial product or service before applying for it.
6.2. If you apply for any financial product or service, you will be contracting with a third party (a bank or a lender of any other kind) who will be providing that financial product or service to you on their own Terms and Conditions. It is your personal responsibility to read, understand and agree with those Terms and Conditions before entering into a contract to obtain financial product or service. We are not responsible or liable for any loss or damage you may suffer or incur in connection with the Terms and Conditions applied to any contract signed by you with any third party in relation to any financial product or service.
6.3. Your use of any third party website will be governed by the Terms and Conditions of that website. Such Terms and Conditions of use and privacy policy will be different from these Terms and Conditions. It is your responsibility to read, understand and agree with the Terms and Conditions of any third party website before using that website. We are not responsible or liable for any loss or damage you may suffer or incur in connection with the Terms and Conditions of any third party website.
6.4. Any views, opinions, advice or assistance which is given or provided to you by a third party after you have used this Website do not represent our views, opinions, advice or assistance and are not checked, monitored, reviewed, verified or endorsed by us. We do not endorse, recommend or take responsibility for any third party who provides you with any views, opinions advice or assistance. We are not responsible or liable for any loss or damage you may suffer or incur in connection with such views, opinions, advice or assistance including in relation to their accuracy, truthfulness or completeness of any third party in connection with such views, opinions, advice or assistance.
6.5. Please be aware that this Website provides information on a wide range of financial products or services, there may be other products or services available on the market which are not shown on this Website and which may be more appropriate or suitable for your needs than those shown on this Website.
7. Your responsibilities
7.1. You must take all reasonable precautions (including using appropriate virus checking software) to ensure that any information, content, material or data you provide is free from viruses, spyware, malicious software, trojans, worms, logic bombs and anything else which may have a contaminating, harmful or destructive effect on any part of this Website or the websites of third parties or any other technology.
7.2. You must check and ensure that all information, content, material or data you provide on this Website is correct, complete, accurate and not misleading and that you disclose all relevant facts. We do not accept any responsibility or liability for any loss or damage you may suffer or incur if any information, content, material or data you provide on this Website is not correct, complete and accurate or if it is misleading or if you fail to disclose all relevant facts.
7.3. Before you obtain any product or service from a third party, you must check all of the information, content, material or data held by the third party about you to ensure it is correct, complete, accurate and not misleading and that you have disclosed all relevant facts. It is your responsibility to identify and correct any mistakes or errors in the information, content, material or data held by the third party about you before you obtain any product or service. Failure to do so could invalidate the product or service provided by the third party. We do not accept any responsibility or liability for any loss or damage you may suffer or incur if any information, content, material or data held by the third party about you is not correct, complete and accurate or if it is misleading or if you have failed to disclose all relevant facts.
7.4. You agree that you will be liable to us for any damage, loss, claim, demand, liability or expense (including reasonable legal fees) that we may suffer or incur arising out of or in connection with your conduct on this Website.
