User Agreement

(Offer) and Privacy and Personal Data Protection Policy.

This Agreement defines the terms and conditions for the use of the website https://lk.fina.guru/ (hereinafter referred to as the "Site") for the purpose of the intended use of the Site. The Agreement is concluded between you (hereinafter referred to as the User) and ЕСРС-100 INTERNATIONAL (PVT) LTD (hereinafter referred to as the Administration) and regulates all methods of using the Site, its "subdomains" that are at the disposal and under the management of the Administration, all types of services provided by the Administration through the Site.

1. General Provisions

1.1. The website https://lk.fina.guru/ provides Users with offers from Partners who have entered into an agreement with the Administration on advertising financial services for providing loans online using the Internet. The Website may also contain bonus programs and promotions offered by Partners, advertising and information materials (hereinafter referred to as Services).

1.2. The website https://lk.fina.guru/ functions as an online platform that advertises the services of Partners (Advertisers) for providing loans online using the Internet. ECPC-100 INTERNATIONAL (PVT) LTD (Website Administration) is not a financial institution or bank and does not provide financial services for lending.

1.2.1 Services are provided to Users of the Site https://lk.fina.guru/ in accordance with this User Agreement (hereinafter referred to as the Agreement).

1.3. Use of the Site indicates the User’s accession to this Agreement in full and confirms his/her agreement with the terms and conditions below.

1.4. Use of the Site is permitted only to a person who has accepted all the terms of this Agreement.

1.5. The User is obliged to carefully read the terms of this Agreement before using the Site.

1.6. If you do not agree with the terms of this Agreement (in whole or in part), you cannot be granted the rights of a User of the Site, and you are also prohibited from using the Site, including, but not limited to, any information posted on the Site and any Services that are provided within the Site.

1.7. The conditions defined in this Agreement apply to all Users of the Site. 

1.8. This Agreement constitutes an adhesion contract (Offer). By visiting our Website and using its Services, you fully accept the terms of this Agreement, confirm that you have read them, and undertake to comply with them. You also give your informed consent to the use of personal data in accordance with the Privacy and Personal Data Protection Policy, which forms an integral part of this Agreement.

2. Definition of terms

 2.1. Administration - (the owner of the Site) performs certain administrative functions to monitor the functioning of the Site, server, equipment and programs, is engaged in the "promotion" of the Site, maintains statistics on visits, performs the duties of a content manager, monitors the timely updating of information.

2.2. Partners – any natural or legal persons engaged in contractual relations with the Administration, who are granted the right to place on the Website advertisements of their services and information that does not contradict the law and the purposes of the Website, as well as whose Information Messages (including Information Messages published on their behalf or in their interest) may be displayed and/or sent to Users via mobile phone number or email.

2.3. User - an individual who is fully capable in accordance with the legislation of the country of his/her citizenship, who uses the Site for the purpose of receiving financial services from Partners whose advertisements are posted on the Site.  

2.4. User Agreement - this Agreement, as well as all subsequent amendments and additions to it.

2.5. Information on the Website – any information posted on the Website, including data (advertising materials, messages, records) regardless of the form of their presentation, results of intellectual activity, as well as other data. The use of information on the Website in any manner is permitted only subject to compliance with the restrictions established by law and this Agreement.

2.6. Information messages - any information, including marketing information, that does not contradict the law, which may be provided to Users solely for the purpose of information.

2.7. The Site is a collection of web pages located on the Internet, united by a single theme, design and a single address space of the domain https://lk.fina.guru/, containing information on the Site that is created, collected or processed by the Administration, contained in an information system that ensures the availability of such information on the Internet at the network address https://lk.fina.guru/.

2.8. Use of the Site - use of the Site for its functional purpose as permitted by this Agreement, in particular, loading pages of the Site and using its resources and services.

2.9. Registration on the Site is a free, voluntary procedure on the part of the User, which consists of replenishing the User database with information about the new User and granting him the right to use the Site. Registration includes the provision by the User of reliable information about himself by filling out the Lead Form.

2.10. Cookie - a fragment of data generated by the Site and stored on the User's computer (browser) in the form of one or more files. Cookies do not contain Personal Data and can be blocked by the User at any time. 

3. Subject of the Agreement

 3.1. The Administration permits the User to view and download information from the Site solely for their own purposes and for personal non-commercial use.

It is prohibited to change the materials of the Site or distribute them for any other purpose. Any use of information from the Site on other sites, resources or in computer networks. IS PROHIBITED. 

3.2. The information and Services that the User receives through the Site are provided only for the purposes specified in this Agreement. 

3.3. The information and Services that the User receives through the Site may be used by the User for the purpose of receiving services provided by Partners whose services are advertised on the Site.

3.4. In accordance with this Agreement, the User guarantees that he will use the Site only for his own needs, decisions are made by the User impartially and independently, and responsibility for all consequences of such a decision is borne solely by the User.

3.5. The User bears sole responsibility for the evaluation and personal perception of information received from the Site, and the use or misuse of such information at his own discretion.

3.6. The User is responsible for compliance with the legislation regarding legal capacity that applies to receiving the services advertised on the Site.

3.7. The Site contains links to other websites or resources of Partners. The Administration is not responsible for such websites and resources, in particular, regarding their availability, as well as the legality, completeness and correctness of the information distributed on them.

3.8. The intended use of the Site is to obtain information about the services of Partners, to participate in events and promotions that are intended to provide the User with the opportunity to receive information about the possible benefits of cooperation (without setting their limits, but without guaranteeing any number of such benefits).

4. Procedure for obtaining access to the Site

 4.1. In order to gain access to the Site, the User registers on the Site in the Lead Form.

4.2. To register for entry to the Site, the User fills out the Lead Form after reviewing and accepting the terms of this agreement and the Privacy and Personal Data Protection Policy, which is an appendix to this agreement.

4.3. The User agrees that his registration data is true, accurate and current, and undertakes to immediately update his registration information if it changes.  

4.4. After registration, in order to obtain full access to the information and Services of the Site, the User is obliged to provide the Site Administration with the requested information.

4.5. The User agrees that the data and information provided by him/her are reliable, accurate and current, and undertakes to promptly update this data and information if they change.

4.6. The removal of a User from the Site by the Administration does not require any special explanations from the Administration.

4.7. The Administration has the right, at its own discretion, to restrict access of Users who have not confirmed their status to individual sections of the Site, as well as to restrict the possibilities of using the Site.

5. Rights and obligations of Users and Administration

 5.1. When using the Site, the User and the Administration undertake to comply with current legislation and the rules below.

5.2. Rights and obligations of the User

5.2.1. The User may use the Site exclusively within the limits of those rights and in those ways established by this Agreement and other rules posted by the Administration on the Site. 

5.2.2. The User has the right to use the Site subject to the following restrictions and rules: 

- use of an account on the Site may be carried out exclusively by the User personally;

5.2.3. The User is prohibited from:

- attempt to bypass any protective technological measures associated with the use of the Site;

- send, upload, transmit or otherwise distribute traffic manipulation tools, advertising or spam;

- collect information about other Users, including personal and contact information;

- use the Site to carry out any entrepreneurial activity or any activity aimed at generating income;

- upload, store, publish, distribute, provide access to, and otherwise use viruses or any other malicious programs;

- use the Site for purposes other than those specified in this Agreement;

5.3. Rights and obligations of the Administration

5.3.1 The Administration has the right, but is not obliged to perform any of the following actions without warning:

- study the statistics of the use of the Site;

- stop and restrict access of the User who has violated the terms of use of the Site;

- establish new terms of use of the Site;

- determine the content of the Site, the information contained on the Site, the Services provided to Users;

- use the User’s personal data in any way provided for by the legislation of Sri Lanka to improve the operation of the Site;

5.3.2. The Administration undertakes to:

- be impartial in making decisions regarding Users;

- maintain the Site in working order;

- take the necessary organizational and technical measures to protect the personal data of Users (if provided by the User) from unauthorized and illegal or accidental access to them, destruction, distortion, blocking, copying, distribution of personal data;

- comply with the Privacy Policy and protection of personal data of Users;

- in the event of provision of the User's personal data in accordance with the requirements of the legislation on the protection of personal data and the terms of use of the Site, monitor the legality of their use;

6. Disclaimer of warranties

6.1. The Administration does not guarantee that the Services on the Site meet the personal expectations and requirements of Users and/or will unconditionally bring the result expected by the User.

6.2. The Administration shall not be liable to Users and third parties for any possible consequences of their use of the Site. 

6.3. The Administration is not responsible for the accuracy of information posted by Partners.

6.4. Users agree that they use the Site at their own risk and responsibility.

6.5. The Administration shall not be liable for any damages (including loss of money, connections or reputation, potential profits, other intangible losses, any special or indirect damages) caused, including but not limited to, as a result of:

- the User’s lack of understanding of the procedure for using the Site, the information on it, interpretation of information at his own discretion, or the inability to use the Site to its full extent;

- errors or inaccuracies in the content;

- delays or failures in our services;

- errors or inaccuracies of any kind in the Services on the Site;

- actions or omissions of third parties.

  6.6. The Administration shall not be liable for any damage caused to the User’s computer equipment or other property, as well as for any possible infection with viruses, loss of data resulting from the User’s visit to the Website, use of the Website and its information, or downloading of information by the User, and shall not bear any obligations in connection with the foregoing. The Company reserves the right to discontinue the operation of this Website at any time without prior notice and without incurring any obligations in this regard.

Appendix to the User Agreement (Offer)

Privacy and Personal Data Protection Policy

ECRS-100 INTERNATIONAL (PVT) LTD (hereinafter referred to as the “Company”) adheres to the basic principles listed below.

1. I. Relevance: Knowing the expectations of the company's audience is a key element in continuously improving the quality of our programs. This is the reason why the company processes personal data.
2. Transparency: the confidentiality of personal data is of the highest priority for the Company. As a result, the Company informs Users about the purpose of data processing. If necessary, the Company obtains the consent of Users.
3. Security: The security of personal data is of the highest priority for the Company. The Company takes all necessary technical and organizational measures. In addition, the Company does not sell or distribute any data.
4. Freedom of choice: Users voluntarily and consciously use the content and services posted on the Site, including the services of the Company's Partners.

General provisions

The Company considers it important to provide its Users with information about what personal data is processed, for what purpose and in what cases.

The Company reserves the right to amend this Personal Data Privacy Policy from time to time. In this regard, it is recommended to regularly review the text of this Privacy and Personal Data Protection Policy. The date of the most recent amendment is provided at the bottom of this Privacy and Personal Data Protection Policy.

Definition of personal data

Personal data is data about an identifiable or unidentifiable natural person, i.e. name, date of birth and address (in some cases), telephone number and/or email address.

Cases when personal data is processed for the Site

Personal data intended for registration on the Site and registration via a link on the websites of Partners are processed in the specified context.

Website: Personal data is processed through log files, cookies, analytics tools, contact forms and social media plug-ins and other providers, including mobile operators and Internet technology platforms on which the Site may be advertised.

Purposes of personal data processing.

• Ensuring the availability of the Site for Users.
• Optimization of the Site (marketing research, audience assessment, etc.).
• Sending marketing and advertising messages to a mobile phone number and/or email.
• Protection of Site Users' data.

The receipt, processing and protection of personal data of Users by the Company's Partners is carried out in accordance with their Privacy Policies published on their websites.

Legal grounds for processing personal data by the Company.

Obtaining the voluntary and informed consent of the User to the processing of personal data serves as the legal basis for such processing.

In addition, personal data is processed on the basis of the company's legitimate interest. This applies to the processing of data for the purpose of providing access to the Site Services and Partner services and their optimization.

Transfer of personal data to third parties.

Your personal data is disclosed to third parties only in the event of the User’s consent or the existence of a legitimate interest on the part of the Company.

In addition, the Company may transfer personal data to third parties if it is obliged to do so on the basis of legal provisions or an enforceable administrative or court decision.

Duration of storage of personal data.

 

The Company stores your personal data for the period necessary to provide access to the Site Services and the services of the Company's Partners, as well as for the duration of the Company's legitimate interest in storing this data.

Rights that Users have.

1. The right to receive information.Users have the right to request from the Company confirmation of the processing of personal data and its transfer to third parties.
2. Right to rectification of data. Users have the right to request that the Company correct any incorrect or incomplete personal data belonging to them.
3. Right to erasure of data. Users have the right to request that the Company immediately delete any personal data belonging to them if it is no longer required to achieve the purposes for which it was collected or processed, and if its deletion is not contrary to any other legal provisions.
4. Right to limited processing of data.Users have the right to demand that the Company restrict the processing of their data. 
5. Right to withdraw consent. Users have the right to withdraw their consent to the processing of their respective personal data for one or more specific reasons at any time, provided that the processing is based on explicit consent. In the event of withdrawal of consent, such withdrawal shall not affect the lawfulness of the processing carried out prior to the withdrawal, as it was performed on the basis of consent given before its withdrawal.    
6. Right to object to data processing.Users have the right to object to the processing of personal data relating to them at any time, if the data is processed on the basis of a legitimate interest of the Company or a third party, such as for the purpose of direct marketing.
7. The right to opt out of receiving marketing and advertising communications. Users have every right to opt out of receiving marketing and advertising messages by sending an opt-out to the email address: info_support@fina.guru.

.

Responsibility

The Company shall not be liable, to the extent permitted by law, for any data or information distributed by the Partners, as well as for any other type of damage that may arise on the basis thereof. This applies to all types of claims, in particular claims resulting from errors, delays, interruptions in transmission, infrastructure failures, inaccurate content, loss or deletion of data, the presence of viruses, or claims arising in any other manner in connection with the use of the Website.
The Site contains links to websites of the Company's Partners, who provide their services to Users. In this case, the Company is not responsible for the content, correctness, legality or functionality of the Partners' websites to which the hyperlinks lead. Users visit the websites of the Company's Partners at their own risk.

The Company does not guarantee uninterrupted access to the Website and the Partners’ websites, nor perfect quality of access. In particular, the Company cannot exclude the possibility of failures of its communication networks and gateways. The Company shall not be liable for the guaranteed operation of its Website without interruptions or errors, nor for the guaranteed elimination of any errors that may occur.

Last updated: June 15, 2025.