Terms & Conditions

1. Acceptance of Terms

These Terms & Conditions ("Terms") form a binding agreement between you and Analyze Finance Value, LLC ("Analyze Finance Value," "we," "us"). By accessing analyzefinancevalue.com, creating an account, booking a consultation, or using any of our financial services, you agree to be bound by these Terms, our Privacy Policy, and any supplemental service-specific agreements you sign.

2. Eligibility

You must be at least 18 years old and a legal resident of the United States to use our services. By using our platform, you represent and warrant that you meet these requirements. Business services are available to authorized officers of U.S.-registered entities.

3. Our Services

Analyze Finance Value provides integrated financial services including personal loans, credit loans, mortgage loans, wealth & investment planning, tax advisory, and insurance referrals. Specific services are subject to separate client agreements, disclosures, and state/federal licensing requirements.

4. User Accounts

You are responsible for maintaining the confidentiality of your login credentials and for all activity under your account. You agree to notify us immediately of any unauthorized access. We reserve the right to suspend or terminate accounts for security concerns or Terms violations.

5. Advisory & Fiduciary Terms

Investment advisory services are provided by Analyze Finance Value, LLC, a registered investment adviser. Our advisors are fiduciaries — legally obligated to act in your best interest. However, past performance does not guarantee future results, and investing involves risk, including the possible loss of principal. Form ADV Part 2A is available upon request.

6. Lending Disclosures

Analyze Finance Value acts as a lending facilitator and broker — we are not the direct lender. Loan approvals, interest rates, terms, and funding are determined by our network of licensed bank and non-bank lending partners. All loans are subject to credit approval, income verification, and applicable state and federal laws (including TILA, ECOA, and HMDA).

APR Disclosure

Personal loan APRs typically range from 5.99% to 35.99%. Mortgage rates vary by product, credit profile, and market conditions. Specific APRs are disclosed at the time of offer.

7. Fees & Payments

• Subscription plans are billed monthly in advance.
• You may cancel anytime; cancellation takes effect at the end of your billing period.
• Advisory asset-based fees, if applicable, are disclosed in your Investment Advisory Agreement.
• Late payments, insufficient funds, or chargebacks may incur additional charges.

8. Intellectual Property

All content on analyzefinancevalue.com — including text, graphics, logos, software, and the "Analyze Finance Value" trademark — is owned by or licensed to us and protected by U.S. and international copyright and trademark laws. You may not copy, reproduce, or redistribute our content without prior written permission.

9. Prohibited Conduct

You agree not to:

• Provide false, misleading, or fraudulent information in any application.
• Use our platform for any illegal or unauthorized purpose.
• Attempt to gain unauthorized access to our systems or other users' accounts.
• Transmit malware, spam, or harmful content.
• Reverse-engineer, scrape, or otherwise misuse our software.

10. Disclaimers

OUR SERVICES ARE PROVIDED "AS IS" AND "AS AVAILABLE." WE DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. WE DO NOT GUARANTEE LOAN APPROVAL, INVESTMENT RETURNS, OR UNINTERRUPTED WEBSITE AVAILABILITY.

11. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, Analyze Finance Value SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING LOST PROFITS, DATA, OR BUSINESS OPPORTUNITY. OUR TOTAL LIABILITY SHALL NOT EXCEED THE AMOUNT YOU PAID US IN THE 12 MONTHS PRECEDING THE CLAIM.

12. Indemnification

You agree to indemnify, defend, and hold harmless Analyze Finance Value, its officers, employees, and partners from any claims, damages, losses, or expenses arising from your use of our services, your violation of these Terms, or your infringement of any third-party rights.

13. Termination

You may terminate your account at any time by contacting us. We may suspend or terminate your access immediately for violations of these Terms, fraudulent activity, or non-payment. Termination does not affect obligations already incurred (e.g., outstanding loan balances).

14. Dispute Resolution

These Terms are governed by the laws of the State of Nebraska, USA, without regard to conflict-of-law principles. Any dispute shall be resolved first through good-faith negotiation, then through binding arbitration administered by the American Arbitration Association in Omaha, Nebraska. You waive any right to participate in a class-action lawsuit against Analyze Finance Value.

15. Changes to Terms

We may update these Terms from time to time. Material changes will be notified via email or prominent notice on our website. Continued use after changes are posted constitutes acceptance of the new Terms.

16. Contact

For questions about these Terms, contact:
Analyze Finance Value, LLC
88698 494th Ave, O'Neill, Nebraska 68763, USA
Email: legal@analyzefinancevalue.com
Phone: (402) 336-3648