TERMS OF USE
Terms of Use
Last updated: 03-11-2026
These Terms of Use govern access to and use of the FintechProduct website and any related pages, forms, downloadable materials, sample reports, and communications made available through the website.
1. Who we are
FintechProduct is a business-to-business research firm that provides competitive intelligence, mystery shopping research, market analysis, and related advisory deliverables for digital lending and fintech markets.
2. Informational purpose only
All content on this website is provided for general informational purposes only. Nothing on this website constitutes legal, regulatory, financial, investment, credit, or tax advice. Any business decisions made using information obtained from this website are made at the user’s own risk.
3. No client relationship
Accessing this website, submitting a contact form, downloading a sample, or scheduling a call does not create a client, fiduciary, advisory, or professional-services relationship unless and until a written agreement is executed by FintechProduct and the client.
4. Permitted use
You may use this website only for lawful business purposes related to learning about our services or contacting us. You may not:
copy, scrape, crawl, frame, mirror, or systematically extract website content without prior written permission;
attempt to gain unauthorized access to the website, its infrastructure, or related systems;
use the website in a manner that infringes intellectual property rights, privacy rights, or applicable law;
misrepresent your identity or affiliation when contacting us.
5. Intellectual property
Unless otherwise stated, all materials on this website, including text, structure, visual layout, downloadable reports, sample reports, research formats, analysis frameworks, and original content, are owned by or licensed to FintechProduct and are protected by applicable intellectual property laws. No license is granted except the limited right to view the website for your internal business evaluation.
6. Third-party names and trademarks
Any third-party company names, app names, product names, trademarks, and brand identifiers referenced on this website remain the property of their respective owners. Any such references are used solely for identification, commentary, comparative analysis, or research context, and do not imply affiliation, endorsement, sponsorship, or approval by those third parties.
7. Sample materials and research outputs
Any sample report, benchmark, summary, or insight shared through this website is illustrative only and may be abbreviated, anonymized, aggregated, or simplified. Full research deliverables are governed exclusively by the applicable client agreement.
8. Disclaimer of warranties
This website and its contents are provided on an “as is” and “as available” basis. To the maximum extent permitted by law, FintechProduct disclaims all warranties, express or implied, including merchantability, fitness for a particular purpose, non-infringement, accuracy, completeness, and uninterrupted availability.
9. Limitation of liability
To the maximum extent permitted by law, FintechProduct shall not be liable for any indirect, incidental, consequential, special, exemplary, punitive, or loss-of-profit damages arising out of or related to the use of this website, even if advised of the possibility of such damages.
10. Links to third-party websites
This website may contain links to third-party websites or tools. FintechProduct is not responsible for the content, privacy practices, availability, or security of third-party websites.
11. Privacy and cookies
Use of this website is also subject to our Privacy Policy and Cookie Policy, which explain how personal data and cookies are handled.
12. Changes
We may update these Terms of Use at any time by posting the revised version on this website. The updated version becomes effective upon posting.
13. Governing law
These Terms of Use shall be governed by the laws of COLOMBIA, without regard to conflict-of-law rules.
14. Contact
For legal notices or questions regarding these Terms, contact: julian@fintechproduct.com
PRIVACY POLICY
FintechProduct respects personal data and processes it in accordance with applicable data protection laws, including, where applicable, Colombia’s personal data regime, Brazil’s LGPD, and Peru’s data protection framework.
1. Controller
The data controller is:
FintechProduct
Address: Colombia
Email: julian@fintechproduct.com
2. Data we collect
We may collect:
identification data, such as name, company, job title;
contact data, such as email, phone number;
inquiry and project data, such as market of interest, competitors to analyze, research needs;
technical data, such as IP address, browser type, device identifiers, cookie data, and analytics events;
scheduling data submitted through booking tools.
3. Purposes of processing
We process personal data to:
respond to inquiries and schedule meetings;
evaluate potential client needs and prepare proposals;
provide services and manage client relationships;
send service-related communications;
improve website performance, security, and analytics;
comply with legal obligations;
protect our rights and prevent misuse of the website.
4. Legal basis / authorization
Where required by applicable law, we process personal data based on prior, informed authorization/consent, contract necessity, legitimate business interests, compliance with legal obligations, or other lawful grounds. Colombia’s regime specifically requires prior, express and informed authorization in many contexts.
5. Sharing of personal data
We may share personal data with:
cloud providers, email, CRM, analytics, scheduling, storage, and security vendors;
professional advisers, such as lawyers, auditors, and insurers;
contractors or researchers bound by confidentiality and data protection obligations;
competent authorities where required by law.
We do not sell personal data.
6. International transfers
Because we operate digitally and may use service providers in multiple jurisdictions, personal data may be stored or processed outside the user’s home country. Where required, we implement appropriate contractual and organizational safeguards for cross-border transfers. Brazil’s LGPD expressly regulates international transfers.
7. Data retention
We retain personal data only for as long as reasonably necessary for the purposes described above, to comply with legal obligations, resolve disputes, enforce agreements, and maintain business records. Retention periods should be defined internally by category:
leads: 12–24 months
client records: contract term + 1 year
analytics logs: 12 months
8. Security
We implement reasonable administrative, technical, and organizational safeguards to protect personal data against unauthorized access, loss, alteration, or disclosure. Colombian law expressly emphasizes security and confidentiality principles.
9. Data subject rights
Subject to applicable law, individuals may request access, correction, update, deletion, revocation of consent where applicable, and information about how their data is processed. Peru’s public privacy notices also reflect the need to explain rights and means to exercise them.
Requests may be sent to:julian@fintechproduct.com
10. Children
Our services are directed to business users and are not intended for children.
11. Cookies and similar technologies
We use cookies and similar technologies as described in our Cookie Policy. These may include analytics, security, functionality, and marketing technologies. Tracking pixels and plugins are treated similarly in major guidance.
12. Changes
We may update this Privacy Policy from time to time by posting an updated version on the website.
COOKIE POLICY
We use cookies and similar technologies, including scripts, tracking pixels, plugins, and analytics tools, to operate the website, improve performance, remember preferences, understand usage, and support marketing activities. Official guidance treats many of these technologies similarly to cookies and generally expects clear information plus consent/choice for non-essential technologies.
1. Types of cookies
Strictly necessary cookies
Required for core website functionality, security, load balancing, and essential navigation.
Analytics cookies
Help us understand how visitors use the website, such as page visits, traffic sources, and performance.
Functional cookies
Remember settings and preferences.
Marketing cookies
Used to measure campaigns, retarget visitors, or understand ad performance.
2. Consent
Where required, non-essential cookies are activated only after the user gives consent through the cookie banner or consent tool. Strictly necessary cookies may operate without consent where legally permitted. Official cookie guidance distinguishes non-essential cookies from “strictly necessary” ones.
3. Cookie management
Users can manage cookies through:
our cookie banner/preferences center;
browser settings;
relevant third-party opt-out tools, where available.
RESEARCH DISCLAIMER
FintechProduct provides independent business research, competitive intelligence, and market analysis services. Our work may involve mystery shopping, review of publicly accessible product flows, ordinary end-user interactions, publicly observable communications, pricing analysis, and comparative assessment of digital lending products.
Our services:
do not constitute legal, regulatory, accounting, financial, tax, credit, underwriting, or investment advice;
do not guarantee the accuracy, completeness, or future performance of third-party products or companies;
are intended solely for lawful internal business use by the client, unless otherwise agreed in writing;
are based on observations made at specific dates and may change over time.
FintechProduct does not represent that it is affiliated with, endorsed by, or authorized by any third-party company referenced in its research, unless expressly stated in writing.
Any third-party names, trademarks, logos, or product references remain the property of their respective owners.