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Terms & Conditions

Terms & Conditions

Last Updated: July 27, 2026

Welcome to the-financial-solutions.com (the “Site”), operated by Financial Solutions (“we,” “us,” or “our”). These Terms govern your access to and use of the Site.

By using the Site, you agree to these Terms. They include a binding arbitration clause and class action waiver in Section 14 that affect your legal rights. Please read them. If you do not agree, stop using the Site.

1. Acceptance and Changes

Using the Site means you accept these Terms and our Privacy Policy. We may update these Terms at any time by posting a revised version with a new date. Material changes take effect 30 days after posting. Continued use after that means you accept them.

2. Eligibility

You must be at least 18 years old and able to form a binding contract. You agree to provide accurate, current, and complete information. We may refuse service, remove content, or terminate access at any time, for any reason, without notice.

3. Permitted Use

The Site is for personal, non-commercial use related to requesting information about loans, financing, and financial products. You agree not to:

  • Submit false, misleading, or third-party information without authorization
  • Interfere with the Site or attempt unauthorized access
  • Use bots, scrapers, or automated tools to access or collect from the Site
  • Use the Site for any unlawful purpose

4. What Financial Solutions Is and Is Not

Financial Solutions is a lead generation and referral service. We connect consumers with lenders, brokers, and financial services companies.

We are not a lender, a mortgage broker, a bank, a credit union, a debt relief company, or a financial advisor. We do not make loans, extend credit, accept deposits, negotiate debts, or give financial, tax, or legal advice. We do not make credit decisions and we do not decide the terms of any offer.

We do not verify, vet, endorse, or recommend any lender or provider, and we do not confirm their licensing, rates, terms, or fees. You are responsible for independently reviewing any offer before accepting it, including confirming the company’s licensing with your state financial regulator.

We are not a consumer reporting agency, we do not pull your credit, and nothing on this site is a credit report or a firm offer of credit. Rates, terms, approvals, and eligibility are determined solely by the companies you are connected with. You are under no obligation to accept any offer.

Any agreement, transaction, or dispute is solely between you and the company you deal with. We are not a party to it and have no liability arising from it.

5. Your Consent to Be Contacted

When you submit your phone number, you give prior express written consent to be contacted at that number — including a cell number — by Financial Solutions and by the companies identified in the disclosure shown when you submitted, using an automatic telephone dialing system, an artificial, prerecorded, or AI-generated voice, text message (SMS/MMS), email, and mail, about loans, financing, and related financial products and related offers. This applies even if your number is on a federal, state, or company Do Not Call list.

Consent is not required to purchase anything. Message frequency varies. Message and data rates may apply.

A single submission may result in contact from more than one business, including companies that received your information through a lead network.

To stop contact: reply STOP to any text (reply HELP for help); click unsubscribe in any email or write admin@the-financial-solutions.com; tell any caller to add you to our internal Do Not Call list; or use Your Privacy Choices. We honor these within 10 business days across all channels.

6. Session Recording

You acknowledge and consent that this Site uses third-party session recording and analytics tools that capture and record your activity, including mouse movements, clicks, scrolling, pages viewed, and the information you enter into our forms. These recordings are reviewed by Financial Solutions and its service providers. You may withdraw this consent at any time by emailing admin@the-financial-solutions.com with the subject line “Stop Session Recording.” See our Privacy Policy for details.

7. Electronic Communications and Signatures

You consent to receive communications, agreements, notices, and disclosures from us electronically, and you agree that submitting a form constitutes your electronic signature with the same legal effect as a handwritten one. You may withdraw this consent by emailing admin@the-financial-solutions.com, though doing so may prevent us from providing the Site.

8. Content You Submit

You keep ownership of anything you post — comments, reviews, photos, or other submissions — and grant Financial Solutions a non-exclusive, worldwide, royalty-free, perpetual license to use, display, reproduce, and distribute it in connection with our services. You represent that you have the right to submit it and that it does not violate anyone else’s rights. We may remove any content at any time.

9. Intellectual Property

All trademarks, branding, graphics, text, and materials on the Site are owned by Financial Solutions or its licensors and may not be copied or reproduced without written permission.

10. Copyright Complaints

If you believe content on the Site infringes your copyright, send a notice under the Digital Millennium Copyright Act to admin@the-financial-solutions.com with: your signature, identification of the work, the location of the material, your contact information, a statement of good faith belief, and a statement under penalty of perjury that your notice is accurate and you are authorized to act.

11. DISCLAIMER OF WARRANTIES

THE SITE AND ALL SERVICES ARE PROVIDED “AS IS” AND “AS AVAILABLE” WITHOUT WARRANTY OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, NON-INFRINGEMENT, ACCURACY, OR UNINTERRUPTED OPERATION.

WE MAKE NO WARRANTY REGARDING ANY LENDER OR PROVIDER, INCLUDING THEIR LICENSING, RATES, TERMS, FEES, APPROVAL DECISIONS, OR THE AVAILABILITY OR SUITABILITY OF ANY FINANCIAL PRODUCT. NOTHING ON THIS SITE IS AN OFFER OF CREDIT OR A COMMITMENT TO LEND.

Some states do not allow certain warranty exclusions, so parts of this section may not apply to you.

12. LIMITATION OF LIABILITY

TO THE MAXIMUM EXTENT PERMITTED BY LAW, FINANCIAL SOLUTIONS WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR FOR LOST PROFITS, LOST DATA, PROPERTY DAMAGE, OR PERSONAL INJURY, ARISING FROM YOUR USE OF THE SITE OR FROM ANY LENDER, BROKER, OR FINANCIAL SERVICES PROVIDER.

OUR TOTAL LIABILITY FOR ALL CLAIMS WILL NOT EXCEED THE GREATER OF (A) THE AMOUNT YOU PAID US IN THE 12 MONTHS BEFORE THE CLAIM, OR (B) ONE HUNDRED DOLLARS ($100).

These limits apply regardless of the legal theory and even if we were advised of the possibility of the damages. Some states do not allow certain limitations, so parts of this section may not apply to you.

13. Indemnification

You agree to indemnify and hold harmless Financial Solutions and its officers, employees, and agents from any claims, liabilities, damages, losses, and expenses, including reasonable attorneys’ fees, arising from your use of the Site, your violation of these Terms, your violation of any law or third-party right, or any dispute between you and a lender or provider.

14. ARBITRATION AND CLASS ACTION WAIVER

PLEASE READ THIS SECTION CAREFULLY. IT AFFECTS YOUR LEGAL RIGHTS, INCLUDING YOUR RIGHT TO FILE A LAWSUIT IN COURT AND TO HAVE A JURY TRIAL.

14.1 Agreement to Arbitrate. You and Financial Solutions agree that any dispute, claim, or controversy arising out of or relating to these Terms, the Site, or any communications you receive — including claims under the Telephone Consumer Protection Act and similar state laws — will be resolved by binding individual arbitration administered by the American Arbitration Association under its Consumer Arbitration Rules, and not in court.

14.2 Class Action Waiver. YOU AND FINANCIAL SOLUTIONS AGREE TO BRING CLAIMS ONLY IN AN INDIVIDUAL CAPACITY, AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY CLASS, COLLECTIVE, CONSOLIDATED, OR REPRESENTATIVE PROCEEDING. THE ARBITRATOR MAY NOT CONSOLIDATE CLAIMS OR PRESIDE OVER ANY FORM OF REPRESENTATIVE PROCEEDING.

14.3 Jury Trial Waiver. YOU AND FINANCIAL SOLUTIONS WAIVE ANY RIGHT TO A JURY TRIAL.

14.4 30-Day Opt-Out. You may opt out of this arbitration agreement by emailing admin@the-financial-solutions.com with the subject line “Arbitration Opt-Out” within 30 days of first accepting these Terms. Include your name, phone number, and email address. Opting out does not affect any other part of these Terms.

14.5 Small Claims. Either party may bring an individual claim in small claims court if it qualifies.

14.6 Informal Resolution First. Before starting arbitration, you agree to email admin@the-financial-solutions.com describing the dispute and give us 60 days to resolve it.

14.7 Delegation. The arbitrator decides all issues of arbitrability, including the scope, enforceability, and formation of this agreement — except that a court decides the enforceability of the class action waiver in 14.2.

14.8 Severability. If the class action waiver in 14.2 is found unenforceable as to a particular claim, that claim proceeds in court and the rest of this Section 14 still applies to all other claims.

14.9 Survival. This section survives termination of these Terms.

15. Governing Law and Venue

These Terms are governed by the laws of the State of Tennessee, without regard to conflict of law principles. Any dispute not subject to arbitration will be brought exclusively in the state or federal courts located in Davidson County, Tennessee, and you consent to that jurisdiction.

16. General

Severability. If any provision is found unenforceable, the rest remains in effect.

No Waiver. Our failure to enforce any provision is not a waiver of it.

Assignment. You may not assign these Terms. We may assign them freely, including in a merger or sale of the business.

Force Majeure. We are not liable for delays or failures caused by events beyond our reasonable control.

Entire Agreement. These Terms and the Privacy Policy are the entire agreement between you and Financial Solutions regarding the Site.

Survival. Sections 6, 9, 11, 12, 13, 14, 15, and 16 survive termination.

17. Contact

Email: admin@the-financial-solutions.com