This website is owned by Finance Hub, which is a Division of Vinod Patel and Company Pte Ltd. Your access to this website and use of any portion of Finance Hub’s website is subject to the terms and conditions stated herein.



The Finance Hub website: www.financehub.com.fj may be interchangeably referred to as “the website” or “website” from time to time.



Consent for Terms and Conditions

By accessing and/or using the website, you have agreed to the terms and conditions of use as well as Finance Hub’s Privacy Policy (which is also available on this website). Please read the terms and conditions carefully. If you do not agree with the terms and conditions, then you must cease using the website immediately.



Governing Law

You agree that your use of Finance Hub’s website is governed by the laws of Fiji. The products and services described in this site are only available to approved applicants who are Fiji Residents, Citizens or Permit Holders.



Limitations

None of the information on Finance Hub’s website may be used, distributed, or reproduced for any personal or commercial purposes without the express written consent of Finance Hub. No third party is authorised to solicit Finance Hub’s products and services which are disclosed in the applicable product terms and conditions.



Not all products and services described may be available in all geographical areas, while standard lending practices (including credit assessment and checks) will apply for any loan applications made.



Linking to Finance Hub’s Website

Linking to Finance Hub’s website by third parties is prohibited unless consented to by Finance Hub.



Services Management

Finance Hub reserves the right to:

1. Monitor the services for violations of these terms and conditions.
2. Take appropriate action (including legal action) against anyone who, in our sole discretion, violates the law of these terms and conditions, including, without limitation, reporting such user to law enforcement authorities.
3. In our sole discretion and without limitation, refuse, restrict access to, limit the availability of, or disable (to the extent technologically feasible) any of your contributions or any portion thereof.
4. In our sole discretion, and without limitation, notice, or liability, to remove from the services or otherwise disable all files and content that are excessive in size or in any way are burdensome to our systems.
5. Manage the services in a manner designed to protect our rights and property and to facilitate the proper functioning of the service.





Copyright on Website and its Materials

The copyright in the materials and information on this website is owned by Finance Hub. Apart from viewing purposes or permitted use of the website (based on the terms and conditions) on your browser in accordance with the governing laws of Fiji, no material of this website may be reproduced, adapted, uploaded to a third party, linked to, framed, performed in public, distributed, or transmitted in any form by any process without the specific written consent of Finance Hub.



Trademarks

This website features Finance Hub’s logo and brand identities, which are the property of Finance Hub. Nothing displayed on the website should be interpreted as granting a license or right to use any trademark displayed on our website. Users are prohibited from using our trademarks in connection with any product or service. We retain all proprietary rights on our website.



Prohibition of any Alteration

You agree not to transfer, or attempt to transfer, any material, viruses, or code to Finance Hub’s website that could damage or harm the site or in any way impede the security of Finance Hub’s website.



Changes to the Contents of the Website

Finance Hub may at any time, upon its sole discretion, vary or modify these terms and conditions of use without any notice. Any subsequent access to, or use by you of, the website will constitute an acceptance of those modifications.



Interruptions

We cannot guarantee services will be available at all times. The website may experience hardware, software, or other problems or need to perform maintenance related to the services resulting in interruptions, delays, or errors. We reserve the right to change, revise, update, suspend, discontinue, or otherwise modify the services from time to time. You agree to the condition that in any such case, Finance Hub does not have any liability whatsoever for any loss, damage, or inconvenience caused due to the inability to access or use the services during any such downtime or discontinuance of service.



Cookies

When you are using the Finance Hub website, you may access features designed to track and monitor consents given or withdrawn by the user(s) of the website with regard to the cookies or similar tracking technology used on such websites. Finance Hub takes no liability with the use of and non-use of cookies by the users of the website.



Appropriate User Conduct

When using the website, Users must ensure that they abide by relevant laws and by a certain standard of behavior. You must not do anything that is unlawful or what Finance Hub may consider as inappropriate or anything that may bring the website into any disrepute. All such includes:

1. Providing incorrect information or any information that does not pertain to you. Uploading of personal or private information of a third party/another individual without their consent or without any other legal rights.
2. Using the website to make any discriminatory, defamatory, abusive, threatening, illegal, explicit remarks, including false or misleading information (of any kind or regarding Finance Hub or its products and services).
3. Adversely interfere with any user that is using the website.
4. Alteration of our website by the user in any way.
5. Facilitating or assisting another individual to breach the Privacy Policy and these terms and conditions in any way.



Competitors are Excluded from Using this Website

Competitors are prohibited from using this website, including our content for any testing purposes or in any other way that is not permitted by law.



Application Forms

You may use any forms generated or available on the website for the purposes enabled by Finance Hub. It is your responsibility to determine what forms to use for the purpose intended (and make any enquiries necessary) as well as ensuring to provide correct, accurate, and up-to-date data/information.



The forms may be subject to change at any time at the discretion of Finance Hub and without any prior notice in response to changes in applicable laws or business needs.



The availability of the forms is standard in nature and aimed at satisfying the requirements for Finance Hub therefore, the forms available will not necessarily mean that they will meet your specific goals, protect your specific interests, or withstand challenges to their legal or factual sufficiency. The forms are not provided with any guarantee, warranty, or representation as to the quality or suitability for any particular purpose.



Calculators

All tools, estimators, and calculators available on the website are for the purposes of providing a guide or indication only. Loan approvals and certain situations are dependent on the specialised criteria and assessment (as well as other external factors such as tax, valuation fees, etc.). The specific items of the loan and its calculations may differ.



Calculators and Information Provided do not Constitute an Offer

Based on any information electronically submitted and/ or forms filled out, any result or notifications received in consequence on the website do not constitute an offer or provide you with any loan eligibility (or any type or level of qualification whatsoever) from Finance Hub in any way.



All results are subject to the information that the user has provided in the website forms and the assumptions made by Finance Hub at that moment in time. As such, it is also possible that the estimates provided by the calculators do not include any additional fees and charges and it does not anticipate any fee/ charge that is subject to vary based on other reasonable factors.



Fees and Charges

The website does not require the user to subscribe for a fee. However, fees and charges may become applicable upon the approval of loans or otherwise, as they would necessarily have become during normal loan applications.



Electronic Communications, Transactions and Signatures

Using the Finance Hub website (whether as a visitor or for services) sending emails, completing online forms constitute an offer. You consent to receive electronic communications, and you agree that all agreements, notices, disclosures, and other communications we provide to you electronically, via email and services, satisfy any legal requirement that such communication be in writing.



No Warranties

Finance Hub does not guarantee that the Finance Hub website or Third-Party Websites will be free from viruses, or access to Finance Hub Website or Third-Party Websites will be uninterrupted. As such, you may read, use, and act on the website and its contents at your own risk.



If certain provisions of these terms are held to be void, invalid, illegal, or unenforceable, that provision must be read narrowly, as much as possible, to allow it to be valid or enforceable. If it is not possible to read or understand the content/condition (in part or as a whole) then that provision (in part or as a whole) may be severed from the terms and conditions without affecting the validity or enforceability of the remainder of that provision or the other provisions of these terms. It is also further recommended that the users of this website must seek clarification from Finance Hub where required.



Limitation of Liability

Finance Hub indemnifies itself against any and all liability for claims, losses, costs, expenses or damages (of any kind) of whatever kind or nature, including, without limitation, general, special, incidental, consequential, punitive, exemplary, or treble damages based on any theory of liability, in connection with any use of the Finance Hub’s website and the information contained therein.



Dispute Resolution

In the case of any dispute regarding the website and services (available on the website), the user agrees to first raise concerns or resolve any disputes directly with Finance Hub by contacting us on the contacts provided. In the case that any such dispute is unresolved, then the user may seek advice/assistance as permitted by law.



Finance Hub reserves the right to choose arbitration as the first form of dispute resolution should matters be initially unresolved.