TERMS OF USE
Last Updated: January 19, 2026
Welcome to the-financial-solutions.com (the “Website” or “Site”), operated by The Financial Solutions (“we,” “us,” or “our”). These Terms of Use (“Terms”) govern your access to and use of the Website, including any content, functionality, and services offered.
By accessing or using the Site, you agree to be bound by these Terms. If you do not agree, do not use the Site.
1. Acceptance and Modifications
Your use of the Site constitutes acceptance of these Terms and our Privacy Policy (available at https://the-financial-solutions.com/privacy-policy or as linked on the Site). We may update these Terms at any time. Changes will be posted here with the updated date. Continued use after changes constitutes acceptance.
2. Eligibility and User Accounts
You must be at least 18 years old (or the age of majority in your jurisdiction) to use the Site. By using the Site, you represent that you meet this requirement.
If the Site requires submission of information (e.g., forms for financial matching), you agree to provide accurate, current, and complete details. We reserve the right to suspend or terminate access for inaccurate information or violations.
3. Permitted Use and Prohibitions
The Site is provided for your personal, non-commercial use (e.g., requesting financial solutions, quotes for debt relief, credit repair, mortgages, loans, or related services). You may not:
- Use the Site for any unlawful purpose or in violation of any law.
- Submit false, misleading, or fraudulent information.
- Interfere with the Site’s operation (e.g., viruses, bots, scraping, overload).
- Attempt unauthorized access or reverse engineering.
- Harass, threaten, or impersonate others.
- Post spam, unsolicited promotions, or commercial solicitations.
We may terminate access for any violation.
4. User-Submitted Content and Comments
Certain areas allow posting comments, reviews, or other content (“User Content”). You retain ownership but grant us a worldwide, non-exclusive, royalty-free license to use, reproduce, modify, and display it.
You represent that your User Content:
- Does not infringe third-party rights (e.g., copyright, trademark).
- Is not defamatory, obscene, unlawful, or invasive of privacy.
- Does not promote illegal activities.
We do not pre-screen User Content but reserve the right to monitor, remove, or edit it without notice. We are not liable for User Content.
5. Intellectual Property
We (and our licensors) own all content, trademarks, and materials on the Site. You may view and access for personal use only. No republication, reproduction, distribution, or commercial use without written permission.
6. Lead Generation and Third-Party Services
The Site connects users with financial providers (“Partners”) for quotes, eligibility, or services related to debt relief, credit repair, mortgages, loans, refinancing, or similar solutions. We act as a lead generator and referral platform only—not as a party to any service contract.
- We do not guarantee leads, quotes, approval, service quality, pricing, availability, or outcomes.
- Partners are independent; we make no representations or warranties about them.
- Any agreement is solely between you and the Partner.
Important Consent for Communications (TCPA Notice): By submitting your contact information (including phone number), you consent to receive calls, texts (SMS/MMS), or prerecorded/artificial voice messages from us and/or our Partners using automated dialing systems for marketing, informational, or service-related purposes—even if your number is on a Do Not Call registry. This consent is not required to use the Site. Message/data rates may apply. You may revoke consent by emailing info@the-financial-solutions.com or following opt-out instructions provided in communications.
7. Hyperlinking and Linking to Our Site
You may link to our homepage if the link is not deceptive and does not imply endorsement. We reserve the right to request removal of any link.
We do not permit framing, iFrames, or alteration of our Site’s appearance without written approval.
Certain organizations (e.g., government agencies, search engines, news outlets) may link without approval under fair conditions. For others, contact us for consideration.
8. Disclaimer of Warranties
THE SITE AND SERVICES ARE PROVIDED “AS IS” AND “AS AVAILABLE” WITHOUT WARRANTIES OF ANY KIND (EXPRESS OR IMPLIED), INCLUDING MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, ACCURACY, OR NON-INFRINGEMENT.
We do not warrant uninterrupted access, error-free operation, virus-free content, or that information (including financial options) is current/complete.
9. Limitation of Liability
TO THE MAXIMUM EXTENT PERMITTED BY LAW, WE (AND OUR AFFILIATES, OFFICERS, DIRECTORS, EMPLOYEES) SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES (INCLUDING LOST PROFITS, DATA LOSS) ARISING FROM YOUR USE OF THE SITE, EVEN IF ADVISED OF THE POSSIBILITY.
Our total liability shall not exceed $100 or the amount you paid us (if any) in the prior 12 months.
This applies to all claims (contract, tort, negligence, strict liability).
Some jurisdictions do not allow exclusions—limitations apply only where permitted.
10. Indemnification
You agree to indemnify, defend, and hold us harmless from claims, losses, damages, liabilities, costs (including attorneys’ fees) arising from your use of the Site, User Content, violation of these Terms, or infringement of third-party rights.
11. Termination
We may suspend or terminate your access at any time, without notice, for any reason (including violations).
Provisions surviving termination: Intellectual Property, Disclaimer, Limitation of Liability, Indemnification, Governing Law.
12. Governing Law and Dispute Resolution
These Terms are governed by the laws of the State of California, without regard to conflict of laws principles.
Any disputes shall be resolved through binding arbitration in California under American Arbitration Association rules (or small claims court for qualifying claims). You waive class actions.
13. Miscellaneous
- Severability: Invalid provisions do not affect the rest.
- No Waiver: Failure to enforce does not waive rights.
- Entire Agreement: These Terms (plus Privacy Policy) are the full agreement.
- Contact Us: For questions, email info@the-financial-solutions.com or write to 234 Broadway Unit 9188 #15633, Newark, NJ.