Terms of Use

Terms of Use / Terms and Conditions

Acceptance of Terms: Welcome to Finpanda.com. By accessing and using our website (“Finpanda” or the “Site”), you agree to comply with these Terms of Use. If you do not agree with any part of these terms, please do not use our Site. We may update the Terms from time to time. When we do, we will revise the “last updated” date on this page. It’s a good idea to check back periodically. Your continued use of Finpanda after any changes means you accept those updates.

Purpose of the Site – No Financial Advice: Finpanda provides information for comparing personal and online loans. All content on our Site is for general informational purposes only. We are not providing financial, legal, or professional advice. While we strive to present accurate and up-to-date information, we cannot guarantee that all details (such as interest rates, loan terms, and availability) are always current or error-free, as these can change frequently at the lenders’ discretion. The loan offers, rates, and terms shown on Finpanda are subject to change at any time by the offering lender, and may not include all available options in the market. No information on Finpanda should be taken as a guarantee. There is no guarantee that you will qualify for a loan or get the exact terms advertised on our Site. Your personal financial situation is unique, and if you need advice tailored to your circumstances, you should consider consulting a qualified financial advisor. By using our comparisons and tools, you acknowledge that any decisions you make are your own responsibility.

Independent Service – Not a Lender: Finpanda is an independent comparison service provider that allows you to find and evaluate loan products from third-party lenders. We are not a bank, lender, creditor, or financial institution, and we do not broker loans or make credit decisions on loans. In other words, Finpanda does not provide loans directly and will not be a party to any agreement you enter into with a lender. Our role is to gather information and present you with loan options in a clear way. Any loan or financial product you decide to apply for is provided solely by the third-party lender or financial institution, not Finpanda. We do not endorse any particular lender, nor do we guarantee that any lender’s terms or rates are the best for you. Always review the lender’s terms and conditions before proceeding with a loan. Finpanda is not responsible for the content, terms, or privacy policies of the websites of lenders or partners we feature.

Affiliate Partnerships & How We Make Money: Finpanda is free for users. We earn money through affiliate partnerships with some of the lenders and financial companies listed on our Site. This means that Finpanda may receive a commission or referral fee if you click on a lender’s link on our Site and subsequently sign up or get approved for a loan with that lender. This is often called an “affiliate commission” and it’s basically how we keep our service running. Importantly, this does not cost you anything extra – the loan terms or rates you get are the same as if you had gone directly to the lender’s website. We believe in transparency: affiliate relationships might influence where and how offers appear on our Site (for example, a partner lender might be featured in a top position in a list). However, we do not allow compensation to influence the substantive content of our reviews or comparisons. Our aim is to provide objective information so you can make the best choice for your needs. Finpanda remains impartial, and we also include lenders with whom we have no affiliate relationship, to provide a comprehensive comparison. (For a full disclosure of how we make money, you can always contact us for more details.)

Third-Party Content and Links: Our Site includes links to websites owned or operated by third parties (such as lenders, banks, or other financial service providers). These links are provided for your convenience to help you obtain more information or complete an application. Please note that when you click on an external link and leave Finpanda, those external sites are beyond our control. We do not have any ownership or control over the content, products, services, or practices of any third-party websites.

Finpanda is not responsible or liable for any content or anything that occurs on third-party sites. If you choose to use links on our Site to visit a lender’s website, you do so at your own risk. We recommend that you read the terms and conditions and privacy policy of any other site that you visit. Any dealings you have with third parties (including advertisers or lenders) found on Finpanda are between you and that third party, and Finpanda isn’t responsible for any loss or issues you may have with them.

User Responsibilities: By using Finpanda, you agree to do so legally and ethically. You must be at least 18 years old (or the age of majority in your state or country) to use our Site and to apply for loans through the lenders we feature. You agree not to use Finpanda for any unlawful purpose or engage in any behavior that could harm our Site or other users. This includes not attempting to hack, overload, or damage the website, and not scraping or copying our content without permission. You also agree not to use our content for commercial purposes without our consent. When providing information to us (for example, if you submit a question or contact request), you agree that the information you provide is accurate and truthful. Finpanda expects users to take responsibility for their own actions: always use the information on our Site responsibly and be aware of the terms of any loan you pursue.

Limitation of Liability: Use Finpanda at your own risk. Finpanda, and its owners and employees, shall not be held liable for any direct, indirect, incidental, or consequential damages arising out of or in connection with your use of our Site or the information provided here. In simple terms, this means we are not responsible if you face any loss or damage as a result of using Finpanda or relying on any information on it. For example, if you apply for a loan based on information on our Site and it doesn’t meet your expectations, or you incur costs or damages, Finpanda will not be liable. We provide information “as is” without warranties of any kind, either express or implied. Finpanda makes no guarantee that the Site will be available uninterrupted, or error-free, or that any content is free of viruses or other harmful components. To the extent permitted by law, Finpanda disclaims all warranties and conditions not expressly stated in these Terms.

Indemnification: You agree that if a third party makes a claim against Finpanda due to your use of our Site or your violation of these Terms, you will indemnify (defend and protect) Finpanda from any such claim. This means you will be responsible for any costs, losses, or legal fees that Finpanda incurs because of something you did in violation of these Terms.

Changes to Terms: Finpanda reserves the right to modify these Terms of Use at any time. If we make material changes, we may provide a notice on our Site or notify users by email. It’s your responsibility to review the Terms whenever you use the Site to ensure you understand the conditions that apply at that time. The “last updated” date at the bottom of this section indicates when the Terms were last revised. Your continued use of the Site following the posting of changes means you accept those changes.

Contact Information: If you have any questions about these Terms or anything on our Site, please contact us at contact@finpanda.com. We’re here to help clarify our policies or address any issues you may have. Using Finpanda signifies your understanding and agreement to these Terms of Use.

Last updated: October 2025