Welcome to www.finca.am (the “Site”), which is operated by FINCA universal credit organization closed joint-stock company. The following Terms of Use (“Terms”) govern your access to and use of the Site. Please read these Terms carefully, because this document is a legal agreement. By accessing and using the Site you agree to these Terms. If you do not agree, please do not access or use the Site.

1. User Conduct

The Site is not intended for users under 18 years old. You may not provide or publicly post personal information on the Site if you are under 18. By using the Site, you agree not to:

  • Violate any applicable laws, including without limitation by infringing the copyrights, trademarks, or other proprietary rights of FINCA or any third party,
  • Harass, threaten, defame, abuse, or embarrass FINCA or any third party,
  • Impersonate FINCA or any third party,
  • Attempt to get private information from others, or harvest e-mail addresses or other information,
  • Post any commercial content, including advertising and promotional materials, unless explicitly authorized by FINCA,
  • Engage in any conduct that inhibits or prevents FINCA or any other person from using or enjoying the Site, including without limitation taking any action that attempts to probe, scan, or test the vulnerability of FINCA’s systems or network, to breach FINCA’s security or authentication measures, or to impose an unreasonable or unauthorized load or burden on the Site’s infrastructure,
  • Engage in any other conduct that FINCA determines, in its sole discretion, is offensive, vulgar, sexually explicit, obscene, offensive, or otherwise objectionable.

2. Trademarks

All rights in the product names, company names, trade names, logos, service marks, trade dress, slogans, and designs of FINCA products or services, whether or not appearing in large print or with the trademark symbol, belong exclusively to FINCA and are protected from reproduction, imitation, dilution, or confusing or misleading uses under national and international trademark and copyright laws.

3. Copyright

The Site (including, but not limited to, text, images, photographs, graphics, designs, and the selection, coordination, and arrangement of such materials) is protected under the copyright laws of Republic of Armenia. All copyrights in the Site are owned by FINCA to the full extent permitted under the Republic of Armenia Copyright Act and all international copyright laws. Except for content that you have posted on the Site, or unless expressly permitted in writing, you may not copy, reproduce, distribute, publish, enter into a database, display, perform, modify, create derivative works, transmit, or in any way exploit any part of the Site.

4. Privacy Policy

Our Privacy Policy explains how we handle the personal information that we obtain about you through the Site. By accessing the Site, you indicate that you understand and agree to the information collection, use, and disclosure practices described in our Privacy Policy, which is incorporated in these Terms. If you have questions about our privacy practices, you can contact us at www.finca.am.

5. Third-Party Content and Links to Third-Party Websites

The Site may contain third-party content and links to other websites (“Linked Sites”). FINCA does not endorse, sponsor, recommend, or otherwise accept responsibility for any Linked Sites. FINCA also does not control the Linked Sites and is not responsible for the content or privacy practices of the Linked Sites.

6. Indemnity

You agree to indemnify and hold us harmless from any loss, liability, claim, or demand, including reasonable attorney’s fees, made or incurred by any third party due to or arising (directly or indirectly) out of your access to or use of the Site or arising from your breach of this Agreement.

7. Termination

We reserve the right to remove or refuse to post or distribute User Submissions that we determine, in our sole discretion, violate these Terms of Use and to restrict, suspend, or terminate the participation of any user from the Site at any time, with or without prior notice, who we determine, in our sole discretion, has or is violating these Terms of Use.

We may terminate this agreement for any reason at any time. Otherwise applicable sections of this agreement shall survive such termination.

8. Miscellaneous

We may make changes to these Terms or modify any features of the Site at any time, in our sole discretion. The most current version of the Terms can be viewed by clicking on the “Terms of Use” link on the home page of the Site. By continuing to access and use the Site, you indicate that you accept any changes to the Terms.

These Terms of Use contain the entire agreement between you and us regarding the use of the Site. Armenian law shall govern this agreement. If any provision of these Terms of Use is held invalid, the remainder of the Terms of Use shall continue in full force and effect.

9. Contact Us

If you have any questions about these Terms of Use, you can:

  • contact us at 012 55 55 55
  • e-mail us at info@finca.am

2a Agatangeghos Str., Yerevan
Republic of Armenia, 0023