Effective Date: 01.02.2025
 

Welcome to Fin Cat, a brand operated by THE TRADITIONAL MEDIA AGENCY LIMITED (“Company,” “we,” “us,” or “our”). These Terms of Use (“Terms”) govern your access to and use of the Fin Cat website and mobile application. By using our platform, you agree to comply with these Terms. If you do not agree, please do not use our services.
 

1. Acceptance of Terms

By accessing or using Fin Cat, you confirm that you have read, understood, and agreed to be bound by these Terms and our Privacy Policy.

If you do not agree with any part of these Terms, please discontinue using our services immediately.
 

2. Services Provided

• Fin Cat is a platform that provides users with access to loan offers from third-party financial institutions.

• We do not issue loans, make credit decisions, or charge users any fees for using our service.

• All loan agreements, terms, and conditions are determined by third-party lenders.

We act as an information provider, helping users compare financial products but are not responsible for loan approvals, interest rates, repayment conditions, or lender decisions.
 

3. User Responsibilities

By using Fin Cat, you agree to:

• Provide accurate and up-to-date personal information when requested.

• Use the platform legally and ethically, without engaging in fraud or misrepresentation.

• Understand that all loan agreements are made directly between you and the lender, and Fin Cat is not a party to any financial transactions.
   

You must NOT:

• Use the platform for illegal activities.

• Attempt to hack, interfere with, or disrupt the platform’s security.

• Provide false or misleading information when using our services.
   

4. Third-Party Links & Content

The Fin Cat platform may include links to third-party websites, such as lenders and financial institutions. These links are provided for informational purposes only.

• We do not endorse, control, or guarantee the accuracy of third-party content.

• Users should review third-party Terms and Privacy Policies before submitting any personal or financial data.

• Any disputes regarding financial agreements must be handled directly with the lender.
   

5. Disclaimer of Warranties

By using Fin Cat, you acknowledge that:

• The platform is provided on an “as is” and “as available” basis.

• We do not guarantee the availability, accuracy, or reliability of loan offers.

• Loan approvals, interest rates, and financial terms depend solely on third-party lenders.

We do not provide financial advice. Users should conduct their own research or consult financial experts before making borrowing decisions.
 

6. Limitation of Liability

To the fullest extent permitted by Vietnamese law, Fin Cat and THE TRADITIONAL MEDIA AGENCY LIMITEDshall not be liable for:

• Any direct, indirect, incidental, or consequential damages resulting from the use of our platform.

• Financial losses, loan rejections, or disputes with third-party lenders.

• Errors, delays, or inaccuracies in loan information provided by external partners.

Users assume full responsibility for their financial choices when using our platform.
 

7. Modification of Terms

We reserve the right to update or modify these Terms at any time. Changes will be effective immediately upon posting on our website or app.

Continued use of Fin Cat after modifications constitutes acceptance of the updated Terms.
 

8. Governing Law & Jurisdiction

These Terms shall be governed by and construed in accordance with the laws of the Socialist Republic of Vietnam.

Any disputes arising from these Terms shall be resolved in the competent courts of Vietnam.