This “Disclaimer and Warranty” (hereinafter the “Disclaimer”) is an official Provision of the FinCensor internet service ( (hereinafter the “Internet resource”), which provides information services available to users (hereinafter the “User”) at the time of using the Internet resource. These Regulations regulate the scope of liability and guarantees provided by the administration of the web resource, when the Users use its functionalities. By using this web site, the User agrees to be bound by this document and its terms and conditions and accepts any and all responsibilities which may be incumbent on them when using this web site. The Administration has defined the following terms and conditions which govern the use of the Service, as well as the scope of additional responsibilities of its users and the Administration: The online resource is not responsible for the safety and accuracy of data and information transmitted by the User. The website does not guarantee that the software, servers and computer networks used by the website are free of errors and malware. The website assumes no responsibility if the use results in loss of data or damage to equipment. The web resource is not responsible for possible failures and interruptions in the operation of the web resource and the resulting loss of information. The web resource assumes no responsibility for any damage to User’s computer, mobile devices, any other hardware or software, caused by or related to the use of the web resource, accessible via hyperlinks located on its pages, either by users or by third parties. Accessing third parties’ websites, installing programs and ordering services from third parties is at the User’s own risk. The online resource assumes no responsibility or liability whatsoever for any injury or damage suffered by users as a result of interacting with the ads posted on the pages of the online resource, if such ads are present on the pages of the online resource. Under no circumstances shall the online resource be liable to users or any third parties for any damage, including loss of profit or lost data, damage to life and health, honor, dignity or business reputation, resulting from the use of the Website, content or other materials, to which users or other persons accessed through the Website, even if the Website warned or pointed to the possibility of such damages. The online resource assumes no responsibility for obligations that have not been agreed between the user and the service. The online resource is not responsible for liabilities arising between users and third parties. The online resource is not responsible for any damage or injury caused to the user as a result of using the online resource, the services it provides. Any trademarks, names of goods, services and organizations, design rights (images), copyright and related rights, which are mentioned, used or cited in the pages of the Internet resource are owned by the users, or should be obtained with the permission of the holders of intellectual property rights. Administration is not responsible for violation of users’ legitimate interests and rights of third parties, but is trying its best to solve arising disputes. The failure to act on the part of FinCensor in case the User or a group of users violates the rules of use of the web resource or its components, does not deprive the web resource of the right to take appropriate actions to protect its interests or users later. The layout of the pages of the website, the logo, graphics and drawings posted by the administration are protected by copyright.  


  The internet resource is provided on an “as is” basis, i.e. without warranty of quality or suitability for any express or implied purpose. The internet resource does not guarantee that it will be uninterrupted and error-free. The administration has the right (and this is an essential condition for the provision of services) to deny access to the website to all users or any of them temporarily or permanently, to remove any information or any content, data and information posted on the website without giving any reasons. The online resource reserves the right to suspend at any time the provision of services to users without giving any reason. The online resource does not guarantee and is not responsible for the accuracy, relevance, harmlessness and trustworthiness of the information and data posted on third parties. By clicking on such links the user is aware that he/she acts entirely at his/her own risk. The Website does not guarantee the safety of content posted by users on its pages; therefore, in the event that the User is interested in saving any content posted on the Website, the User shall use other methods for saving the information needed. The User hereby acknowledges that it uses the Website at its own risk. The online resource does not guarantee that any information uploaded by users within the online resource, will meet the criteria of reliability, accuracy and currency. The online resource does not guarantee that the information posted by other users may not cause moral damage, harm to health or injury to the user.  


  To the maximum extent permitted by applicable law, the Website is not responsible for direct or indirect damages, loss of profits, moral damage suffered by the User in relation to the use of the Website or inability to use it, including, but not limited to, in connection with   The User’s posting of messages, comments, content, personal data or links on the side of the Internet resource that violate the requirements of applicable law and/or the rights of third parties. The use of inaccurate and/or irrelevant and/or morally damaging and / or other information that is contrary to applicable law, posted by other users. The loss of any information used within the Internet resource by the user. Fulfilment or incomplete fulfilment of contractual obligations by the User with third parties. If the user has violated the rules of these regulations or other documents of the online resource, the user indemnifies the online resource of all the losses incurred in connection with it.  


  If any terms and conditions are declared invalid according to the effective legislation of Ukraine, other terms and conditions will remain in full force and effect.   The online resource reserves the right to make changes to the text of the Regulations, notifying the Users by posting the new version of the Regulations on the Internet at this address. The User is obliged to follow the changes made to these Terms and Conditions on a regular basis. If the User does not agree with the new version of these Terms and Conditions, the User is obliged to immediately stop using the Internet resource. If the user continues to use the website after the new version of the Terms and Conditions has come into force, the user hereby confirms their full consent to the new version of the Terms and Conditions.

Disclosure of information on loan offers

  The annual interest rate, loan term and loan payments are assessed based on a review of the information you provide, data provided by other lenders about your credit history and publicly available information. In some cases, to get a loan you must provide additional documentation which may affect your credit rating. All information about the loan in a particular case on the website is provided without a 100% guarantee, and the estimated annual interest rate and other terms and conditions of the loan advertisements are by no means binding. We do our best to show you the latest terms and conditions of the loan product, however this information does not come out from us and therefore we do not guarantee its accuracy 24 hours a day. Lenders provide loans with different interest rates depending on the creditworthiness of the borrower and other factors. Keep in mind that only borrowers with an excellent credit history and credit rating will qualify for the lowest interest rate available. The actual annual interest rate will depend on factors such as credit rating, loan amount requested, loan term and credit history. All loans on FinCensor are subject to verification and approval by the borrower scoring system on the websites of microfinance institutions.