Terms of Service

1. About these terms

These Terms of Service ("Terms") govern your use of the FinCompare website at fincompare.io and any related services operated by FinCompare ("we", "us", "our"). By using the site you agree to these Terms. If you do not agree, please stop using the service.

Separate terms apply to financial product providers who list products through the Provider Portal — see Section 8.

2. The service

FinCompare provides an AI-powered search and comparison tool that helps consumers find financial products — including personal loans, mortgages, credit cards, and business finance — offered by third-party providers across the Netherlands, Germany, Belgium, France, and the United Kingdom.

We do not offer, underwrite, or arrange any financial product. We are not authorised or regulated as a financial adviser or credit broker. Any recommendation generated by our AI is based solely on the information you provide and the product data supplied by providers — it is a starting point for your research, not a regulated recommendation.

3. Accuracy of information

Product information on FinCompare — including interest rates, fees, eligibility criteria, and terms — is supplied by the providers themselves and may not always reflect current offerings. Rates and conditions change frequently. We make reasonable efforts to keep data up to date but cannot guarantee accuracy at any given time.

Always verify product terms directly with the provider before applying. A product appearing in our results does not constitute an offer or guarantee of approval.

4. Affiliate relationships and commercial disclosure

FinCompare earns revenue when users click through to financial products listed on the site. Providers pay a cost-per-click fee for qualified referrals. This commercial relationship may influence which products appear and in what order, though we aim to show the most relevant results for your stated needs.

The presence or absence of a product in our comparison does not imply any endorsement or judgement of quality. Products not listed on FinCompare may be equally or more suitable for your situation.

5. Eligibility and use restrictions

You may use FinCompare if you are:

• At least 18 years old
• Accessing the service for personal, non-commercial use (consumers) or for the purpose of listing your own products (providers)

You must not:

• Use automated tools, bots, or scripts to access or scrape the service without our written consent
• Attempt to circumvent rate limiting, security controls, or access restrictions
• Submit false, misleading, or fraudulent information through the comparison tool or provider portal
• Use the service in any way that violates applicable law or regulation
• Reproduce, copy, or redistribute our product database or AI outputs without permission

6. Intellectual property

The FinCompare name, logo, website design, and AI-generated content are our intellectual property. Product data remains the property of the respective providers. You may not reproduce or republish any part of the service without prior written consent.

7. Limitation of liability

To the fullest extent permitted by law, FinCompare and its affiliates, directors, and employees are not liable for:

• Any financial loss arising from decisions made based on information on this site
• Inaccurate, outdated, or incomplete product information supplied by providers
• Interruption, errors, or unavailability of the service
• Actions or products of third-party providers linked from the site

Where liability cannot be excluded by law, our total liability to you for any claim shall not exceed €100.

8. Provider portal terms

These additional terms apply to financial product providers who create an account and list products through the FinCompare Provider Portal.

8.1 Account and product listings

You are responsible for ensuring all product information you submit is accurate, up to date, and compliant with applicable advertising regulations (including FCA rules in the UK and financial promotion rules in your jurisdiction). We reserve the right to reject, modify, or remove listings that we believe are inaccurate, misleading, or non-compliant.

8.2 Billing and credits

Access to the comparison network operates on a prepaid credit model. You purchase credit in advance; a fee of €0.75 per qualified click is deducted from your balance each time a consumer clicks through to your product. A "qualified click" is a unique click within a 30-minute window per IP hash.

When your credit balance reaches zero, your product listings are automatically paused and will not appear in comparisons until you top up. Credits are non-refundable except where required by law. Pricing may change with 30 days' written notice.

8.3 Acceptable products

You may only list products that:

• Are genuine regulated financial products offered by a licensed entity
• Comply with all applicable laws in the countries they target
• Do not carry excessive rates that violate usury or consumer protection laws in the target country
• Are available at the rates and terms stated at the time of listing

8.4 Account termination

We may suspend or terminate your provider account immediately if we determine that you have violated these Terms, submitted false information, or listed non-compliant products. Unused credit may be refunded at our discretion in cases of termination for our breach.

9. Governing law and disputes

These Terms are governed by the laws of the Netherlands. Any disputes that cannot be resolved informally shall be submitted to the exclusive jurisdiction of the courts of Amsterdam, unless mandatory consumer protection laws in your country of residence require otherwise.

EU consumers also have access to the European Commission's Online Dispute Resolution platform at ec.europa.eu/consumers/odr.

10. Changes to these terms

We may update these Terms from time to time. Registered provider accounts will be notified by email at least 14 days before material changes take effect. Continued use of the service after the effective date constitutes acceptance of the updated Terms. Consumers should check this page periodically.

11. Contact

For questions about these Terms: legal@fincompare.io