1. Acceptance of Terms
These Terms and Conditions ("Terms") form a legally binding agreement between you and Finance Advisor Option, located at 2317 Garfield Ave, Minneapolis, MN 55405, USA. By accessing or using our website, submitting an enquiry form, subscribing to our newsletter or engaging any of our services, you confirm that you have read, understood and agreed to these Terms and to our Privacy Policy.
If you are entering into these Terms on behalf of a company or other legal entity, you represent that you have authority to bind that entity.
2. About Our Services
Finance Advisor Option is an independent financial advisory, brokerage and referral service. We provide guidance and comparison services in relation to:
- Personal loans, mortgage loans and credit-related lending products;
- Tax preparation, tax planning and representation support;
- Wealth, retirement and investment planning;
- Life, health, auto, home, umbrella and disability insurance.
We are not a bank, credit union, direct lender or insurance carrier. All lending decisions, loan terms, interest rates and insurance underwriting outcomes are determined solely by the relevant third-party institution. We do not hold client deposits or funds.
3. Eligibility
To use our services you must be at least 18 years of age, legally capable of entering into a contract, and a resident of a jurisdiction in which we and our partners are licensed to operate. Certain mortgage assistance programmes and insurance products are available only in specific states; availability will be confirmed during your consultation.
4. Client Responsibilities
You agree that:
- All information and documents you provide are true, accurate, complete and current.
- You will promptly inform us of any change to your income, employment, address, marital status or financial obligations that could affect an application or plan.
- You will not submit fraudulent, altered or third-party documents without proper authority.
- You will review every loan agreement, policy document or engagement letter yourself before signing, and ask questions about anything unclear.
- You will keep your login credentials and signed documents secure.
Providing false or misleading information may result in immediate termination of our services, rejection of your application and referral to the relevant authorities.
5. No Guarantee of Approval or Outcome
While we work to secure competitive offers, we do not guarantee loan approval, a specific interest rate, a particular insurance premium, a tax refund amount or investment performance. Rates, terms, fees and eligibility criteria are set by third-party institutions and change frequently. Any indicative rate, saving or projection quoted on this website is illustrative only and does not constitute an offer or a promise of results.
Investing involves risk, including possible loss of principal. Past performance is not indicative of future results.
6. Fees and Charges
- The initial consultation is free of charge and carries no obligation.
- Where a service carries a fee, we will provide a written fee disclosure before any work begins, and no fee will be charged without your agreement.
- For certain loan products we may receive a referral or brokerage commission from the lender. This will always be disclosed to you in writing and will never increase the rate you are offered.
- Third-party costs such as appraisal fees, credit report charges, title insurance, government recording fees or carrier premiums are payable directly to the relevant provider.
7. Intellectual Property
All content on this website - including text, graphics, logos, icons, images, photographs, blog articles, layout and software - is the property of Finance Advisor Option or its content suppliers and is protected by United States and international copyright, trademark and intellectual property laws.
You may view, download and print pages for your own personal, non-commercial use. You may not reproduce, republish, distribute, sell, modify or create derivative works from our content without our prior written permission. "Finance Advisor Option" and our logo are trademarks of our firm.
8. Acceptable Use
You agree not to:
- Use the website for any unlawful, fraudulent or harmful purpose;
- Attempt to gain unauthorised access to our systems, servers or other users' data;
- Upload viruses, malware or any code intended to disrupt or damage the service;
- Use automated tools, scrapers or bots to collect content or submit bulk enquiries;
- Submit another person's information without their explicit consent;
- Impersonate any person or entity, or misrepresent your affiliation.
We reserve the right to suspend or block access to any user who breaches these rules, without prior notice.
9. Third-Party Services and Links
Our website may link to lender, insurer, government or informational websites that we do not own or control. These links are provided for convenience only. We do not endorse and are not responsible for the content, products, services, privacy practices or availability of any third-party site. Any agreement you enter into with a third party is solely between you and that party.
10. Disclaimers
Information published on this website, including blog articles, calculators and guides, is provided for general educational purposes only. It does not constitute legal, accounting, tax, investment or insurance advice tailored to your individual circumstances, and it does not create an advisor-client relationship until a written engagement is signed.
The website is provided on an "as is" and "as available" basis. We do not warrant that the site will be uninterrupted, error-free or free of harmful components, although we take reasonable steps to maintain availability and accuracy.
11. Limitation of Liability
To the maximum extent permitted by law, Finance Advisor Option, its directors, employees, advisors and partners shall not be liable for any indirect, incidental, special, consequential or punitive damages, or any loss of profits, savings, data, credit standing or goodwill, arising out of or in connection with:
- Your use of, or inability to use, this website;
- Any decision you make based on information provided here;
- The acts, omissions, rates, terms or decisions of any third-party lender, insurer or service provider;
- Any unauthorised access to or alteration of your transmissions or data.
Our total aggregate liability arising out of or relating to these Terms shall not exceed the fees you have actually paid to us in the twelve months preceding the event giving rise to the claim. Nothing in these Terms limits liability for fraud, gross negligence or any liability that cannot lawfully be excluded.
12. Indemnity
You agree to indemnify and hold harmless Finance Advisor Option and its officers, employees and agents from any claim, demand, loss, damage or expense (including reasonable legal fees) arising from your breach of these Terms, your misuse of the website, or your submission of inaccurate, incomplete or unlawful information.
13. Termination
Either party may terminate an advisory engagement by giving reasonable written notice. We may suspend or terminate your access to the website or services immediately if you breach these Terms, if we are required to do so by law, or if continuing the relationship would expose us or our partners to legal or regulatory risk. Obligations relating to confidentiality, intellectual property, indemnity and limitation of liability survive termination.
14. Governing Law and Dispute Resolution
These Terms are governed by the laws of the State of Minnesota, United States, without regard to conflict-of-law principles. Any dispute arising out of or relating to these Terms or our services shall first be addressed through good-faith negotiation. If the dispute cannot be resolved within thirty (30) days, it shall be submitted to the exclusive jurisdiction of the state and federal courts located in Hennepin County, Minnesota.
If any provision of these Terms is found to be unenforceable, the remaining provisions will continue in full force and effect.
15. Changes to These Terms and Contact Information
We may revise these Terms at any time by updating this page. The revised Terms take effect on the date shown above, and your continued use of the website after changes are posted constitutes acceptance of the updated Terms. We encourage you to review this page periodically.
Questions about these Terms? Contact us:
- Finance Advisor Option
- 2317 Garfield Ave, Minneapolis, MN 55405, USA
- Phone: +1 612-874-1111
- Email: info@financeadvisoroption.com