1. Acceptance of Terms and Agreement Scope
By accessing, browsing, submitting applications, or otherwise using any part of the NEXUS FINANCE website or its associated services (the «Services»), you acknowledge that you have read, understood, and agree to be bound by these comprehensive Terms and Conditions («Terms»), the Privacy Policy, the Cookies Policy, and the Legal Disclaimer. These Terms constitute a legally binding agreement between you and NEXUS FINANCE.
2. Eligibility, Authority, and Account Responsibility
- Eligibility: You affirm that you are at least 18 years of age (or the age of legal majority in your jurisdiction) and possess the legal right, capacity, and authority to enter into these Terms and to use the Services.
- Account Security: You are solely responsible for all activities that occur under your user account, including maintaining the confidentiality of your username, password, and security questions. You must notify NEXUS FINANCE immediately upon becoming aware of any unauthorized use or breach of security related to your account.
- Accuracy of Information: You represent and warrant that all information provided by you during the application, registration, or ongoing use of the Services is true, accurate, current, and complete. Failure to provide accurate information constitutes a material breach of these Terms.
3. Disclosures Related to Financial Services
- Credit Authorization: By submitting an application for any credit or loan product, you explicitly authorize NEXUS FINANCE, its affiliates, agents, and financing partners to access, review, and utilize your consumer credit reports and credit scores from various consumer reporting agencies (e.g., Experian, Equifax, TransUnion) for the purposes of underwriting, account servicing, debt collection, and fraud prevention. This authorization is continuous as long as you maintain an account or a financial relationship with us.
- Rates and Terms: Any rates, terms, calculations, or projections presented on the public area of the Site are for informational illustration only. They are not guaranteed. The actual final interest rate, fees, collateral requirements, repayment schedule, and all legally required disclosures will be provided to you separately in the official, final, legally-binding Loan Agreement or Credit Card Agreement.
- Final Documentation Governs: In the event of any conflict between these general Terms and the provisions of a specific signed Loan Agreement, the provisions of the Loan Agreement shall prevail.
- Modification of Services: NEXUS FINANCE reserves the right, in its sole discretion, to modify, suspend, or discontinue the availability of any Service or product described on the Site at any time without prior notice.
4. Prohibited Conduct and Indemnification
You agree not to engage in any activity that interferes with or disrupts the Services or the servers and networks connected to the Services. Prohibited conduct includes, but is not limited to: fraud, identity theft, unauthorized access (hacking), transmitting malware or malicious code, and using the Services for illegal gambling or money laundering activities.
- Indemnification: You agree to indemnify, defend, and hold harmless NEXUS FINANCE and its affiliates, officers, directors, and employees from any claims, liabilities, damages, costs, and expenses (including reasonable attorneys’ fees) arising from your misuse of the Services, breach of these Terms, or violation of any applicable law.
5. Governing Law, Venue, and Arbitration
- Governing Law: These Terms shall be governed by and construed exclusively in accordance with the laws of [Specify Governing Jurisdiction, e.g., The State of New York, USA], without giving effect to any principles of conflicts of law.
- Dispute Resolution: Any dispute, controversy, or claim arising out of or relating to these Terms, the Services, or any financial product provided hereunder (except for actions seeking injunctive relief) shall be settled by binding arbitration administered by the American Arbitration Association (AAA) or a similar recognized body, in accordance with its Commercial Arbitration Rules.
- Waiver of Class Action: Both parties agree that any arbitration or proceeding shall be limited to the dispute between NEXUS FINANCE and you individually. You waive the right to participate in a class action or consolidated action involving other persons who may be similarly situated.