Thank your visiting financefactors.com. Finance Factors (sometimes referred to as “we” or “us”) maintains this internet site (“Site”) to provide information about products and services offered by and to facilitate communication with us. Before using this Site, please review these terms and our privacy notice and security statement. Your use of this Site is subject to these terms in addition to any terms and conditions that might apply to a specific product or service. By using this Site, you acknowledge that you have read and accept these terms.

All Rights Reserved
The trademarks, trade names, and service marks (the “Mark”) used on the Site belong to Finance Factors or to various other parties and are protected by applicable law. No one is authorized to use any of the Marks in any manner without the prior express written permission of the owner of the Mark. You may copy information on the Site for personal use provided that any copyright or service mark notices are included as shown on the Site.

Unlawful or Prohibited Use
Unauthorized use of this Site including but not limited to (a) access to any of our systems, (b) unauthorized use of the material on this Site, or (c) use of this Site to commit any unlawful activity is strictly prohibited.

No Representations or Warranties
While we will use diligent efforts to include current and accurate information on this Site, we make no representations or warranties, express or implied, about the accuracy, adequacy or completeness of the information and content found on this Site. All such information and content found on this Site are provided “AS IS” without any kind of warranty, including without limitation all implied warranties and conditions of merchantability, fitness for a particular purpose, title, non-infringement and freedom from computer viruses.
This Site may contain information from third parties and/or links to other internet sites. Finance Factors makes no endorsement, representation or warranty of any sort, express or implied, about such third party information or linked websites, including without limitation, accuracy, reliability, completeness or suitability. In addition, you acknowledge that such third party information or linked websites might be subject to different terms and conditions.

Limitation of Liability
You agree that you are using this Site at your own risk. By using this Site, you acknowledge that Finance Factors specifically disclaims liability as follows:

FINANCE FACTORS HEREBY DISCLAIMS LIABILITY FOR ANY AND ALL CLAIMS, LOSSES, COSTS, EXPENSES (INCLUDING ATTORNEYS’ FEES), AND DAMAGES OF WHATEVER KIND OR NATURE INCLUDING WITHOUT LIMITATION GENERAL, SPECIAL, INCIDENTAL, CONSEQUENTIAL, PUNITIVE, EXEMPLARY, OR TREBLE DAMAGES (“DAMAGES”) BASED ON ANY THEORY OF LIABILITY, IN CONNECTION WITH ANY USE OF THIS SITE AND THE INFORMATION CONTAINED HEREIN, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

Product and Service Availability
The products and/or services described on the Site are not available in all geographic areas. You might not be eligible for the products and services described. We reserve the right to determine eligibility for any product or service.

Indemnification
You agree to defend, indemnify, and hold harmless Finance Factors, and its officers, directors, employees, and agents from and against any and all claims arising from your use of this Site and/or your violation of these Terms of Use.

Changes
Finance Factors reserves the right to change these Terms of Use, or the content of any portion of our Site, at any time without notice. By continuing to use this Site, you accept those changes and agree to be subject to the version of the Terms of Use in effect at the time you access our Site.

Governing law
Use of this Site is governed by the laws of the State of Hawaii and any applicable federal United States laws. The applicable customer agreements and disclosures for specific products or services offered by Finance Factors might specify that the laws of another jurisdiction will apply to your account or services, in which case, the terms of those agreements and disclosures will continue to apply.