These terms and conditions govern your use of this Website; by using this Website, you accept these terms and conditions in full. If you disagree with these terms and conditions or any part of these terms and conditions, including the site Copyright Notice, Legal Disclaimer, and/or Privacy Policy, you may not use this Website.


You may not use this Website in any way that causes, or may cause, damage to the Website or impairment of the availability or accessibility of the Website; or in any way which is unlawful, illegal, fraudulent or harmful. In addition, you are strictly prohibited from using this Website to copy, store, host, transmit, send, use, publish or distribute any spyware, computer virus, Trojan horse, worm, rootkit or other malicious software. You are further prohibited from conducting any systematic or automated data collection activities (including without limitation scraping, data mining, data extraction and data harvesting) on or in relation to this Website.


Access to certain areas of this Website is restricted. FNCreditExchange reserves the right to restrict access any area of this Website, or indeed this entire Website, at its sole discretion. If FNCreditExchange provides access to a restricted areas of this Website, you must ensure that the user ID and password are kept confidential. If necessary, FNCreditExchange may disable your secure access in its sole discretion without notice or explanation.


In these terms and conditions, "User Content" means material that you submit to this Website. You grant to FNCreditExchange an irrevocable license to use, reproduce, adapt, publish, translate and distribute the User Content in any existing or future media. You also grant to FNCreditExchange the right to sub-license these rights, and the right to bring an action for infringement of these rights.

You represent and warrant to FNCreditExchange that the User Content you submit is accurate. Further, you assume all risks associated with your User Content, including sole responsibility for its accuracy, completeness or usefulness. User Content must not be illegal or unlawful, must not infringe any third party's legal rights, and must not be capable of giving rise to legal action whether against you or FNCreditExchange or a third party (in each case under any applicable law). You must not submit any user content to the Website that is or has ever been the subject of any threatened or actual legal proceedings or other similar complaint.

FNCreditExchange reserves the right to edit or remove any material submitted to this Website. Apart from enforcing the rights under these terms and conditions in relation to user content, FNCreditExchange does not undertake to monitor the submission of such content to, or the publication of such content on, this Website.


This Website is provided as is without any representations or warranties, express or implied. FNCreditExchange makes no representations or warranties in relation to this Website or the information and materials, or accuracy thereof, provided on this Website. FNCreditExchange will not be liable to you in relation to the contents of, or use of, or otherwise in connection with, this Website for any indirect, special or consequential loss, or for any business losses, or loss or corruption of information or data. These limitations of liability apply even if FNCreditExchange has been expressly advised of the potential loss.


If any part or parts of this Agreement shall be held unenforceable for any reason, the remainder of this Agreement shall continue in full force and effect. If any provision of this Agreement is deemed invalid or unenforceable by any court of competent jurisdiction, and if limiting such provision would make the provision valid, then such provision shall be deemed to be construed as so limited.


These terms and conditions will be governed by and construed in accordance with Hawaii Law, and any disputes relating to these terms and conditions will be subject to the exclusive jurisdiction of the courts of Hawaii.