TERMS OF SERVICE
[Last Updated: February 12, 2026]
These Terms of Service (“Terms of Service”), together with our Privacy Policy (incorporated by reference), form a legally binding agreement between you (“user” or “you”) and Optival LTD (“Company”, “we”, “us” or “our”) and govern your access to and use of this website and the Services (as defined below) provided through it.
The Terms of Service and the Privacy Policy are collectively referred to as the “Terms”.
By accessing or using this website or the Services, you confirm that you have read and understand these Terms of Service and agree to be bound by them and to comply with all applicable laws and regulations. Moreover, you expressly recognize that these Terms of Service constitute a binding and enforceable legal agreement between you, the user, and us, the website operators. IN THE EVENT THAT YOU DISAGREE WITH THESE TERMS OR ANY PORTION THEREOF, YOU ARE HEREBY INSTRUCTED TO IMMEDIATELY CEASE ALL ACCESS TO AND USE OF THIS WEBSITE. YOUR CONTINUED USE OF THIS WEBSITE SHALL BE CONSTRUED AS YOUR ONGOING ACCEPTANCE OF AND AGREEMENT TO THESE TERMS.
You represent and warrant that you are eligible to enter into these Terms and are not restricted from doing so by any applicable law, regulation, court order, or other legal obligation. If you are accepting these Terms on behalf of a corporation or other legal entity, you represent and warrant that you have the authority to bind that entity to these Terms. You further represent and warrant that you are at least eighteen (18) years of age (or the age of majority in your jurisdiction, if higher) and of legal competence to enter into these Terms.
1. SCOPE OF SERVICES
1.1. The website offers information, analyses, comparison tables and other resources regarding various business loan products and related financial products and services that are provided, managed or operated by third-party advertisers (each, an “Advertiser” and, collectively, the “Advertisers’ Services”). We may present aggregated information that we believe to be relevant, including comparative evaluations, promotional offers relating to Advertisers’ Services and links to Advertisers’ digital properties, as well as various types of content (including text, graphics, interactive features, data compilations, written materials, software code, design elements and other features) (collectively, the “Content”). The Content, together with the website, is referred to as the “Services”. The Services are owned and developed solely by us. We may conduct independent assessments of Advertisers’ Services using methodologies and criteria determined by us in our sole discretion, including for the purpose of highlighting what we consider to be top-rated Advertisers’ Services. You acknowledge that the Services are provided solely for informational and editorial purposes, are not intended to be a recommendation, financial advice, legal advice, or an offer or solicitation to buy or sell any financial product or service, and may include Content that some users may find disagreeable or objectionable. You further acknowledge that loan terms, rates, fees, eligibility and availability may vary by lender and by applicant and may change at any time. We do not endorse, and we expressly disclaim any responsibility or liability for, any Content submitted by third parties.
1.2. The Services are provided solely for your individual, non-commercial use. You hereby represent to use the Services exclusively in accordance with these Terms. You acknowledge and accept full responsibility for any actions on your part that constitute, or could reasonably be interpreted as constituting, a violation of these Terms. You may not use the Services in any way that could impair, interfere with, or otherwise negatively affect the Services or the experience of other users. We may, in our sole discretion, investigate any actual or suspected breach of these Terms, including by reporting suspected unlawful activity to the relevant authorities and/or taking measures to restrict or prevent your further access to the Services, including suspension or termination of your access.
1.3. You agree that you will not, directly or indirectly: (i) copy, modify, adapt, disassemble, translate, decompile, reverse engineer, create derivative works of, circumvent security in, hack, or otherwise attempt to gain unauthorized access to the Services or any related systems or networks; (ii) sublicense, resell, rent, lease, assign, transfer, share, broadcast, commercially exploit, or otherwise make available to any third party the Services or any portion of them; (iii) use the Services in any fraudulent or unlawful manner; (iv) claim any proprietary rights in or to the Services or remove, obscure, or alter any proprietary-rights notices or disclaimers appearing in the Services (and, if you download or print any Content, you must retain all copyright and other proprietary notices); (v) access, or attempt to access, the Services through automated means; (vi) use the Company’s name, logo or trademarks without our prior written consent; or (vii) extract, collect or store personal data about other users without their express permission. Any use of the Services that is not expressly permitted under these Terms is strictly prohibited.
1.4. The Services are provided to you free of charge. We are able to offer and maintain a free, high-quality Service by charging an advertising fee to featured brands when a user completes a purchase. For additional information, please review the “Advertising Disclosure” section below.
2. ADVERTISER’S SERVICES, WEBSITES AND LINKS
2.1. The Advertisers’ Services may include links to third-party websites or other digital assets in order to enable you to view, access or use the Advertisers’ Services. You acknowledge and agree that: (i) we cannot guarantee the availability or functionality of any specific Advertiser’s Services, or your ability to access or interact with them; (ii) we do not own or control, and are not responsible for, any Advertisers’ Services, and we have no control over their content, practices or offerings; (iii) the owners or licensors of Advertisers’ Services may modify, suspend or remove their websites, content or services (including offer terms) at any time; and (iv) by accessing or using any Advertisers’ Services, you may become subject to such third party’s applicable terms of service, privacy policy, customer support practices and sales terms, which are typically available on their respective websites. It is the Advertiser’s sole discretion whether to provide you with any product or service. It is crucial that you carefully review the applicable terms and policies of any Advertiser to ensure you are interested in and eligible for their offerings, and to comply with any relevant requirements or restrictions (for example, certain services may not be available in certain jurisdictions).
2.2. When interacting with Advertisers’ Services, you may encounter content that is inaccurate, offensive, inappropriate or objectionable. You have sole discretion whether to access, view or interact with any Advertisers’ Services. Any engagement with an Advertiser, and any use of or reliance on information provided by an Advertiser (including information accessible through our website), is at your own risk. To the maximum extent permitted by applicable law, we are not responsible or liable, directly or indirectly, for any loss or damage of any kind incurred as a result of your access to, use of or reliance on any Content or Advertisers’ Services, or your interaction or engagement with any third party by any means. Any such engagement is solely between you and the applicable Advertiser. We are not a lender, broker, financial institution, loan servicer, or credit decision-maker, and we do not make credit decisions, underwrite, fund, or service loans.
3. INTELLECTUAL PROPERTIES
The Services, together with any Content made available through them, are protected by applicable intellectual property laws and are owned by, or licensed to, us and/or our affiliates, licensors, partners or other third parties. Except as expressly permitted under these Terms, we (and, as applicable, our affiliates, licensors and partners) retain all rights, title and interest in and to the Services and the Content, including all intellectual property rights therein, to the fullest extent permitted under applicable law. All trademarks, product names, trade names, logos and other identifiers displayed through the Services are the property of their respective owners. We reserve all rights in and to the Services and the website not expressly granted in these Terms.
4. ADVERTISING DISCLOSURE
We are able to provide and maintain the Services free of charge by receiving compensation (including advertising or affiliate fees) from certain Advertisers whose offers we review and/or promote, including through links to the Advertisers’ Services. Such compensation may affect the placement, scoring and/or ratings of Advertisers or their offers on our website. The reviews available on our website are determined by our team and may also take into account the compensation we receive from Advertisers, along with other factors we may consider, such as feature sets, user feedback, and engagement and conversion statistics. We do not represent that we compare or include all offers, lenders, products, or providers available in the market.
5. DISCLAIMER AND LIMITATION OF LIABILITY
THE SERVICES AND THE CONTENT ARE PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS. TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, WE EXPRESSLY DISCLAIM ALL WARRANTIES OF ANY KIND REGARDING THE SERVICES AND THE CONTENT (INCLUDING ANY REVIEWS, RANKINGS OR RATINGS), WHETHER EXPRESS, IMPLIED OR STATUTORY, INCLUDING ANY IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE AND NON-INFRINGEMENT. YOUR USE OF THE SERVICES AND YOUR RELIANCE ON ANY CONTENT OR INFORMATION MADE AVAILABLE THROUGH THE SERVICES ARE AT YOUR SOLE RISK. WE DO NOT GUARANTEE THAT THE WEBSITE OR SERVICES WILL BE AVAILABLE AT ALL TIMES OR WITHOUT INTERRUPTION. WE DO NOT GUARANTEE THE TRUTHFULNESS, RELIABILITY OR ACCURACY OF ANY CONTENT OR INFORMATION MADE AVAILABLE THROUGH THE SERVICES, AND WE MAKE NO WARRANTY THAT WE WILL CORRECT ANY ERRORS, DEFECTS OR OMISSIONS. WE DO NOT ENDORSE, RECOMMEND OR ASSUME RESPONSIBILITY FOR ANY THIRD-PARTY SERVICES, OR FOR ANY DECISIONS OR ACTIONS TAKEN OR NOT TAKEN BASED ON CONTENT MADE AVAILABLE THROUGH THE SERVICES, AND WE DO NOT WARRANT THE ACCURACY OF REVIEWS CONCERNING THIRD-PARTY SERVICES. WITHOUT LIMITING THE FOREGOING, WE DO NOT PROVIDE FINANCIAL, CREDIT, OR LEGAL ADVICE, AND NOTHING ON THE SERVICES IS INTENDED TO BE, OR SHOULD BE CONSTRUED AS, SUCH ADVICE.
YOU EXPRESSLY ACKNOWLEDGE AND AGREE THAT, TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, WE WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL OR PUNITIVE DAMAGES, OR ANY LOSS OF PROFITS, REVENUE, DATA, GOODWILL, ARISING OUT OF OR RELATING TO: (A) YOUR ACCESS TO OR USE OF (OR INABILITY TO ACCESS OR USE) THE SERVICES; (B) YOUR RELIANCE ON ANY CONTENT; OR (C) YOUR INTERACTION OR ENGAGEMENT WITH ANY ADVERTISERS’ SERVICES, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. IN THE EVENT YOU BECOME DISCONTENTED WITH THE SERVICES FOR ANY REASON, YOUR ONLY RECOURSE IS TO DISCONTINUE THEIR USE. THIS CLAUSE SERVES AS YOUR SOLE AND FINAL REMEDY, EMPHASIZING THAT TERMINATING YOUR ENGAGEMENT WITH THE SERVICES IS THE EXCLUSIVE SOLUTION AVAILABLE TO ADDRESS ANY DISSATISFACTION YOU MAY EXPERIENCE. BY CONTINUING TO USE THE SERVICES, YOU ACKNOWLEDGE AND ACCEPT THIS LIMITATION ON AVAILABLE REMEDIES. YOU HEREBY WAIVE ANY AND ALL CLAIMS AGAINST US, AND OUR ADVERTISERS, AGENTS, REPRESENTATIVES AND LICENSORS ARISING OUT OF YOUR USE OF THE WEBSITE OR SERVICES. CERTAIN JURISDICTIONS DO NOT PERMIT THE LIMITATION OR EXCLUSION OF LIABILITY FOR INCIDENTAL OR CONSEQUENTIAL DAMAGES, SO THE ABOVE LIMITATIONS MAY NOT APPLY TO YOU. IN ANY EVENT, TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, OUR TOTAL AGGREGATE LIABILITY ARISING OUT OF OR RELATING TO THESE TERMS OR THE SERVICES WILL NOT EXCEED USD $500.
6. INDEMNIFICATION
You agree to indemnify, defend and hold harmless us and our affiliates, and each of our and their respective officers, directors, employees, agents and licensors, from and against any and all third-party claims, demands, actions, proceedings, damages, losses, liabilities, costs and expenses (including reasonable attorneys’ fees) arising out of or relating to: (i) your access to or use of the website or Services; (ii) your violation of these Terms; or (iii) your violation of any law or the rights of any third party.
7. PRIVACY
We are committed to protecting the privacy of our users. For information about our privacy practices, please review our Privacy Policy.
8. GOVERNING LAW AND JURISDICTION
These Terms, and any dispute, claim or controversy arising out of or relating to these Terms or the Services, shall be governed by the laws of the State of Israel, without regard to its conflict of laws principles. The competent courts located in Tel-Aviv-Jaffa, Israel shall have exclusive jurisdiction over any such dispute, claim or controversy.
9. MISCELLANEOUS
9.1. We reserve the right, at any time and in our sole discretion, to modify, correct, amend, enhance, improve, suspend or discontinue (temporarily or permanently) the Services (in whole or in part), with or without notice. We have no obligation to provide support or maintenance for the Services under these Terms. However, we may, at our sole discretion, provide limited technical support, upgrades and updates for the Services. You agree to receive such updates and upgrades as part of your use of the Services.
9.2. We may update or modify these Terms from time to time in our sole discretion, so please review them periodically. Changes will take effect upon posting the updated version on the website, and the “Last Updated” date will reflect the most recent update. By continuing to use the website or Services after changes become effective, you agree to be bound by the revised Terms. If we make material changes, we will make reasonable efforts to provide notice.
9.3. These Terms represent the entire agreement between you and us. If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions will continue to be valid and enforceable in accordance with their terms.
9.4. You may not assign or otherwise transfer these Terms (or any rights or obligations hereunder) without our prior written consent. We may assign or transfer these Terms and/or delegate any of our obligations hereunder, in whole or in part, without restriction.
9.5. Our failure to enforce any right or provision of these Terms will not constitute a waiver of such right or provision, nor will it waive our right to enforce such right or provision at any other time.
10. CONTACT US
If you have any questions regarding these Terms or the Services, please contact us at: legal@optival.com