Terms & Conditions

Read before continuing—Your acceptance of terms of use:

Social Finance US is pleased to provide you with the products, services, content, tools, and information on this Site (the term “Site” refers to all Social Finance US web sites as well as to the content on them). Your use of Site is subject to the following Terms of Use (“Terms”).

By using or accessing the Site, you accept and agree to be bound by these Terms. Your use of the Site is governed by the version of the Terms in effect on the date each Site is accessed by you. Social Finance may modify these Terms at any time and without prior notice. All content on the Site is presented only as of the date published or indicated, and may be superseded for any reason. Additionally, Social Finance may terminate your access to the Site for any reason, without prior notice.

Use

The Site is intended only for your personal, non-commercial use.

No Investment Recommendations or Professional Advice

Generally, the Site is not intended to provide tax, legal, insurance or investment advice. Nothing on the Site should be construed as an offer to sell, a solicitation of an offer to buy, or a recommendation for any security by Social Finance or any third party. However, certain tools available on the Site may be deemed to provide general investment education within the meaning of the securities laws. You alone are solely responsible for determining whether any investment, security, strategy, or any other product or service, is appropriate or suitable for you based on your investment objectives and personal and financial situation. You should consult an attorney or tax professional regarding your specific legal or tax situation.

Copyright

The Site is protected by applicable copyright laws. Accordingly, you may not copy, distribute, modify, post or frame-in the Site, including any text, graphics, video, audio, software code, user interface design or logos on the Site.

Third Party Content and Sites

The Site may include general news and information, commentary, interactive tools, quotes, research reports and data concerning the financial markets, securities and other subjects. Some of this content is supplied by companies that are not affiliated with any Social Finance entity (“Third Party Content”). On the Site, the source of all Third Party Content is clearly and prominently identified.

Social Finance does not prepare, edit, or endorse Third Party Content and therefore does not guarantee its accuracy, timeliness, completeness or usefulness, and is not responsible or liable for any content, advertising, products, or other materials on or available from Third Party sites. You will use Third Party Content only at your own risk.

Any Third Party Content is provided on an “As-Is” Basis. The Third Party Content Providers Expressly Disclaim all warranties of any kind, express or implied, including without limitation any warranty of merchantability, fitness for a particular purpose or non-infringement. The Third Party Content providers and their parents, subsidiaries, affiliates, service providers, licensors, officers, directors or employees shall not be liable for any direct, indirect, incidental, special or consequential damages arising out of or relating to the use or inability to use Third Party Content.

Warranties

Social Finance does not make any express or implied warranties about the Site, including but not limited to implied warranties of merchantability, fitness for a particular purpose, or non-infringement. The Site is made available to you “As is” and “As available” and Social Finance does not warrant that any defects or inaccuracies will be corrected. Social Finance does not warrant that the Site will meet your needs or that your access to the Site will be uninterrupted, timely, secure or error-free.

Social Finance makes no warranty that information obtained from the use of the Site will be accurate or reliable or that the quality of the products, services, information, or other material obtained by you through the Site will meet your expectations.

Limitation of Liability

Social Finance will not be liable to you or anyone else for any consequential, incidental, special, direct or indirect damages that may result from the use or loss of use of the Site and any Third Party Content on the Site. This is true even if Social Finance has been advised of the possibility of such damages or losses.

Social Finance will not be liable to you or anyone else for any loss resulting from a cause over which Social Finance does not have direct control. This includes a failure of electronic or mechanical equipment or communication lines, unauthorized access, viruses, theft, operator errors, severe or extraordinary weather or other acts of God, fire, war, insurrection, accident, emergency or action of government.

Indemnification

As a condition of your use of the Site, you agree to indemnify and hold Social Finance and its third party providers harmless from and against any and all claims, losses, liability, costs and expenses (including but not limited to attorneys’ fees) arising from your use of the Site, or from your violation of these Terms.

Governing Law and Forum

Unless otherwise agreed, these Terms and their enforcement are governed by the laws of the Commonwealth of Massachusetts, without regard to conflicts of law, and shall inure to the benefit of Social Finance and its successors and assigns, whether by merger, consolidation, or otherwise.

Severability

If a court of competent jurisdiction deems any provision of the Terms unenforceable, that provision will be enforced to the maximum extent permissible, and the remaining provisions will remain in full force and effect.

Indirect Rate

Click here to see our published information on the Social Finance Indirect Rate.