This “Disclaimer of Liability and Warranties” Policy (the “Policy”) is the official Policy of the FinCensor Online Service (https://fincensor. The Terms and Conditions of the FinCensor Online Service () (hereinafter referred to as the “Online Service”), which provides information services available to Consumers (hereinafter referred to as the “Consumer”) at the time the Online Service is accessed. The Regulations regulate the scope of responsibility and guarantees provided by the administration of the Internet resource, in the process of use by Consumers of its functional capabilities. By using the Internet resource, the User consents to this document and to the terms and conditions set forth herein, and assumes all responsibility that may be incumbent upon it for the use of the Internet resource. The Administration has established the following provisions and regulations governing the use of the Service, as well as the scope of additional liability of its users and the Administration: The Internet resource is not responsible for the storage and accuracy of the data and information provided by the User. The Internet resource does not guarantee that the software, servers and networks used by the Internet resource are free from defects or malicious programs. The online resource is not responsible if its use results in loss of data or loss of equipment. The online resource is not responsible for possible disruptions or interruptions to the online resource, which could lead to loss of information. The Internet resource is not responsible for any damage to the Consumer’s computer, mobile devices, or any other hardware or software, caused by or in connection with use of the Internet resource available via hyperlinks published on the pages of the Internet resource, both by the user and third parties. Accessing third-party websites, installing software and ordering third-party services is at the Subscriber’s own risk. The Internet resource is not responsible or liable for any damage incurred by the user as a result of interaction with the advertising appearing on the pages of the website, if these appear on the pages of the website. Under no circumstances shall a website be liable to users or any third party for any damages whatsoever, including loss of use or data, loss of goodwill, injury to life, health, integrity, or business reputation, resulting from the use of a website, content or other materials accessed by users or others through the use of the website, even if the website has advised or indicated that such damage may occur. The online resource is not responsible for duties which have not been agreed between the customer and the service. The online resource is not responsible for obligations arising between users and third parties. The online resource is not liable for any loss or damage suffered by the user as a result of the use of the online resource or the services it provides. Any trademarks, signs and names of products, services and organizations, design rights (images), copyright and neighbouring rights, which are mentioned, used or quoted on the pages of the Internet resource by users must belong to such Costumer or must be obtained with the consent of copyright holders. The administration shall not be liable for any violation of legitimate interests and rights of third parties by the Custodian, but shall always facilitate the resolution of any disputes that may arise. Failure by FinCensor to act when a User or group of users fails to comply with the terms of use of the Internet resource or its components does not preclude the Internet resource from taking appropriate action to protect its interests or the rights of its users, thereafter. The contents of the pages of the Internet resource, the logo, graphics and drawings made available by the administration are protected by copyright.  


  The online resource is provided on an “as is” basis, i.e. without warranty of merchantability or fitness for any express or implied purpose. An online resource does not guarantee that it will operate uninterruptedly and without compromise. The administration is entitled and is a condition of service provision) to deny, without providing a reason, access to the website to all users or any of them on an hourly or permanent basis, and to withdraw any content, data or information available on the pages of the site. The website reserves the right to cease providing services to users at any time and without explanation. The online resource does not guarantee or warrant the accuracy, currency, timeliness, or authenticity of the information or data published by third parties. By following these links the User acknowledges that they do so entirely at their own risk. The Internet resource does not guarantee the preservation of content posted by users on the pages of the site, and if the user desires to preserve any content posted on the Internet resource, the user is obliged to use other means of preserving the necessary information. The user acknowledges that they use this website at their own risk. The Internet resource does not guarantee that any information or data downloaded by users from the Internet resource will meet the criteria of validity, accuracy and currency. The online resource does not guarantee that the information published by other Users will not be used as a source of moral, health or safety damage.  


  To the maximum extent permitted by applicable law, the online resource will not be liable for any direct or indirect loss of use, loss of profits, or moral damage suffered by the Consumer due to the use of the online resource or the impossibility of using it, including without limitation due to:   User’s posting of messages, comments, content, personal data or references to third parties on the Internet resources, which violate the requirements of the law and/or the rights of third parties. Use of inappropriate and/or irrelevant and/or morally objectionable information and/or other information contrary to the law posted by other users. Loss by the User of any information used within the framework of the Internet resource. Failure to perform or full performance of contractual obligations by the Subscriber to third parties. If the Subscriber has violated the provisions of these Regulations or other documents of the Internet resource, the Subscriber shall reimburse the Internet resource for all the resulting costs incurred.  


  If under Ukrainian law any terms and conditions are deemed unenforceable, other terms and conditions will remain in full force and effect.   The online resource reserves the right to change the text of these Terms and Conditions by notifying the Client by publishing the newly revised Terms and Conditions on the Internet at this address. The Subscriber is obliged to follow the amendments to the Terms and Conditions on a regular basis. If the Subscriber does not agree with the new version of these Terms and Conditions, the Subscriber is obliged to cease using the Internet resource immediately. If the user continues to use the Internet resource after the new edition of the Regulations has entered into force, the user hereby confirms his/her full agreement with the new edition of the Regulations.  

Disclosure of information on loan offers

  APR, TERMS OF POSITION, and APPLICATION PAIDS are evaluated based on the information you have provided, the information provided by other lenders about your credit history, and the information that is publicly available. In some cases, you will have to provide additional documentation that may affect your credit rating in order to qualify for a loan. All information about the specific position on the MFI’s website is provided without a 100% guarantee of accuracy, and the stipulated APR and other terms and conditions of the loan applications are by no means binding. We will use our best endeavours to present you with the latest terms and conditions of the loan product, however this information does not come from us and we cannot guarantee its accuracy 24 hours a day. Lenders provide loans at different interest rates depending on the creditworthiness of the borrower and other factors. Please note that only those borrowers with excellent credit history and credit rating are eligible for the lowest interest rate available. Actual APR will depend on factors such as credit rating, outstanding loan amount, loan term and credit history. All the scores are subject to verification and validation by the scoring system on the websites of microfinance institutions.