Legal

The Fernencial Corp website was established to perform any and all transactions that are bound
legal. As a condition of your use of the Fernencial Corp website, you warrant to Fernencial Corp
that you will not use this website for any purpose that is unlawful or prohibited by these terms,
conditions, and notices. You may not use this website in any manner which could damage,
disable, overburden, or impair this website or interfere with any other party’s use and enjoyment
of this website. You may not obtain or attempt to obtain any materials or information through
any means not intentionally made available or provided for through the Fernencial Corp
“websites”.
This website may contain bulletin board services, chat areas, news updates, blog, communities,
personal web pages, calendars, and/or other message or communication facilities designed to
enable you to communicate with the public at large or with a group (collectively,
“Communication Services”), you agree to use the Communication Services only to post, send
and receive messages and material that are proper and related to the particular Communication
Services. By way of example, and not as a limitation, you agree that when using a
Communication Service, you will not:
 Defame, abuse, harass, stalk, threaten or otherwise violate the legal rights (such as rights of
privacy and publicity) of others.
 Publish post, upload, distribute or disseminate any inappropriate, profane, defamatory,
infringing, obscene, indecent or unlawful topic, name, material or information.
 Upload files that contain software or other material protected by intellectual property laws
(or by rights of privacy of publicity) unless you own or control the rights thereto or have
received all necessary consents.
 Upload files that contain viruses, corrupted files, or any other similar software or programs
that may damage the operation of another’s computer.
 Advertise or offer to sell or buy any goods or services for any business purpose, unless such
Communication Service specifically allows such messages.

 Conduct or forward surveys, contests, pyramid schemes or chain letters.
 Download any file posted by another user of a Communication Service that you know, or
reasonably should know, cannot be legally distributed in such manner.
 Falsify or delete any author attributions, legal or other proper notices or proprietary
designations or labels of the origin or source of software or other material contained in a file
that is uploaded.
 Restrict or inhibit any other user from using and enjoying the Communication Services.
 Violate any code of conduct or other guidelines which may be applicable for any particular
Communication Service.
 Harvest or otherwise collect information about others, including e-mail addresses, without
their consent.
 Violate any applicable laws or regulations.
Fernencial Corp reserves the right to review materials posted to a Communication Service and to
remove any materials in its sole discretion. Fernencial Corp reserves the right to terminate your
access to any or all of the Communication Services at any time without notice for any reason
whatsoever.
You agree to comply with all applicable laws and regulations in connection with your use of this
website and the transactions conducted thereon, including without limitation any laws applicable
to the handling or processing of individually identifiable information concerning individual
persons. You agree to indemnify, defend and hold Fernencial Corp harmless from and against
any damages, financial or otherwise, resulting from your breach of any such applicable laws.
In no event will Fernencial Corp be liable to you or anyone else for any consequential,
incidental, special or indirect damages (including but not limited to lost profits, losses and
damages) that result, arise from or relate to your use of this website or the transactions conducted
on this website. You agree that the cumulative liability of Fernencial Corp arising out of any
kind of legal claim (whether in contract, tort or otherwise) in any way connected with this
website, or the transactions conducted on this website, will not exceed $500.
Fernencial Corp will not be liable for any loss or damage resulting from voluntary shutdown of
this website to address computer viruses, denial-of-service attacks, or other similar problems.
Fernencial Corp will not be responsible for any damages to your computer, software, modem,
telephone or other property resulting from your use of this website. Fernencial Corp shall not be
liable for any loss resulting from (i) a cause over direct control; or (ii) any events which are
beyond reasonable control.
This agreement contains the agreement between the parties relating to your use of this website
and transactions conducted thereon, and supersede all prior written or oral communications
between the parties on related subjects. In the event any one or more of the provisions of this
Agreement shall be held to be invalid, illegal or unenforceable, the remaining provisions shall
remain valid and enforceable. This Agreement shall be governed by the laws of the State of
Florida without regard to its choice of law provisions. All disputes arising out of or related to this
Agreement or the transactions completed on this website shall be subject to the exclusive
jurisdiction of the State and Federal Courts located in Hillsborough County, Florida, and you waive any defense to the jurisdiction of such courts based on personal jurisdiction or forum non-
conveniens.
This agreement may be amended at any time (as indicated). It is your responsibility to review it
from time to time to keep abreast of new amendments.
Terms of use

The Fernencial Corp website is comprised of various web pages operated by Fernencial Corp.
This website is offered to you subject to your acceptance of express term of use without
modification of the terms, conditions, and notices contained herein. By using this website, you
signify that you agree to the terms and conditions hereafter. Note that Fernencial Corp reserves
the right to change the terms, conditions, and notices under which Fernencial Corp website is
offered, including but not limited to the charges associated with the use of this website.
This User Agreement is between you (or you on behalf of the person or entity that you represent,
such entity hereafter referred to as “You,” and in the possessive as “Your”), Fernencial Corp with
whom you transact business through this website. www.fernencial.com is the website used for
accessing information and services of Fernencial Corp, along with its dba Fernencial Business
Essentials accessible through link shop.fernencial.com.
You agree that you will not use any device, software or program to interfere with proper
operations of the website. You further agree that you will not use, nor allow anyone to use on
your behalf, any robot, spider or other similar device to monitor or copy any pages of the website
or any content or information accessible through this website.
You agree to take reasonable efforts to ensure that any electronic files or information you
transmit through the use of this website will be free from viruses or other code designed to
interfere with the proper functioning of data information systems.
When accessing this website, you must use software, including a web browser, that supports a
data security protocol compatible with the protocol required for the website. You agree that the
information you provide through the website will be accurate.
This agreement may be amended at any time (as indicated). It is your responsibility to review it
from time to time to keep abreast of new amendments.

Privacy Statement

Who are we?
‘We’, ‘us’ and ‘our’ refer to Fernencial Corp and any affiliated dba names it conducts business under.

Our commitment to protect your privacy

Trust and Confidentiality are the foundation of our relationship with our clients. We understand
how important it is to protect your personal information, thus we are committed to respect your
privacy and safeguard your information. This document sets out our privacy policy commitment
in respect of personal information we hold about you and what we do with that information.
In order to preserve that trust, Fernencial Corp and its affiliates pledge that any personal
information we collect about you will only be used for the purposes we have collected it or as
allowed under the law. It is important to us that you are confident that any personal information
we hold about you will be treated in a way which ensures protection of your personal
information.
Our commitment in respect of personal information is to abide by certain Core Principles for the
protection of personal information, as set out in the Privacy Act and any other relevant laws.
Thus Fernencial Corp reserves the right at all times to disclose any information as necessary to
satisfy any applicable law, regulation, legal process or governmental request, or to edit, refuse to
post or to remove any information or materials, in whole or in part, in Fernencial Corp’s sole
discretion. Always use caution when giving out any personally identifying information about
yourself or family member(s) in any Communication Service. Fernencial Corp does not control
or endorse the content, messages or information found in any Communication Service and,
therefore, Fernencial Corp specifically disclaims any liability with regard to the Communication
Services and any actions resulting from your participation in any Communication Service.
Materials uploaded to a Communication Service may be subject to posted limitations on usage,
reproduction and/or dissemination. You are responsible for adhering to such limitations if you
download the materials.
Personal information
When we refer to personal information we mean information from which your identity is
reasonably apparent. This information may include information or an opinion about you. The
personal information we hold about you may also include credit information.
Credit information is information which is used to assess your eligibility to be provided with
finance and may include any finance that you have outstanding, your repayment history in
respect of those loans, and any defaults. Usually, credit information is exchanged between credit
and finance providers and credit reporting bodies.
The kinds of personal information we may collect about you include your name, date of birth,
address, account details, occupation, and any other information we made need to identify you.
Security of your personal information

We secure your personal information from unauthorized access, use or disclosure. We secure the
personally identifiable information you provide on computer servers in a controlled, secure
environment, protected from unauthorized access, use or disclosure. When personal information
(such as a credit card number) is transmitted to our website, it is protected through the use of
encryption, such as the Secure Socket Layer (SSL) protocol.

Why we collect your personal information

To enable us to maintain a successful business relationship with you, we may disclose your
personal information to other organizations that provide products or services used or marketed
by us. We may also disclose your personal information to any other organization that may have
or is considering having an interest in your finance, or in our business.

How do we collect your personal information?

Where reasonable and practical we will collect your personal information directly from you.

Do we disclose your personal information?

We never sell, rent, lease or exchange your personal information to third parties. Under certain
circumstances we may disclose your personal information to but not limited to: associated
businesses that may want to market products to you; companies that provide information and
infrastructure systems to us; anybody who represents you, such as finance brokers, lawyers and
accountants; anyone, where you have provided us consent; where we are required to do so by
law, such as under the Anti-Money or Laundering and Courter Terrorism Financing Act 2006 or
in accordance with a subpoena or summons issued by a court; identity verification services. Your
personal information may be shared if we have a good-faith belief that access, use, preservation,
of disclosure of the information is reasonably necessary to: (a) meet any applicable law,
regulation, legal process, or enforceable governmental request; (b) detect, prevent, or otherwise
address fraud, security, or technical issue; or (c) protect against harm to the rights, property or
safety of Fernencial Corp, our users, or the public as required or permitted by law. Prior to
disclosing any of your personal information to another person or organization, we will take all
reasonable steps to satisfy ourselves that: (a) the person or organization has a commitment to
protecting your personal information at least equal to our commitment, or (b) you have
consented to us making the disclosure.

Credit information

We may collect the following kinds of credit information and exchange this information with
credit reporting agencies if necessary for the following reasons but not limited to: financial
counseling, financial coaching and financial literacy, mortgages.

Direct marketing

From time to time we may use your personal information to provide you with current
information about finance, offers you may find of interest, changes to our organization, or new
products or services being offered by us or any company with whom we are associated.
If you do not wish to receive marketing information, you may at any time decline to receive such
information by telephoning us 813-503-3027, via email clientservices@fernencial.com or by
writing to us to 8761 N. 56 th ST #16148 Tampa, FL 33617. We will take all reasonable steps to
meet your request within a reasonable timeframe.

Business without identifying you

In most circumstances it will be necessary for us to identify you in order to successfully do
business with you, however, where it is lawful and practicable to do so, we will offer you the
opportunity of doing business with us without providing us with personal information, such as
general information.

Further information

You may request further information about the way we manage your personal or credit
information by contacting us via email clientservices@fernencial.com

Change in our privacy policy

We are constantly reviewing all of our policies and attempt to keep up to date with market
expectations. Technology is constantly changing, as is the law and market place practices.
As a consequence we may change this privacy policy from time to time or as the need arises.

Disclaimer

Information presented on this website is considered public information (unless otherwise noted)
and may be distributed or copied. While Fernencial Corp makes every effort to provide accurate
and complete information, various data such as names, telephone numbers, etc. may change prior
to updating. Fernencial Corp welcomes suggestions on how to improve our home page and
correct errors. Fernencial Corp provides no warranty, expressed or implied, as to the accuracy,
reliability or completeness of furnished data.
Any calculators or information provided on this website is provided for your convenience only
and does not constitute either credit or financial advice. Information on this website has been
prepared without consideration of your personal financial position and should be viewed as
generic information only. If you require advice regarding your specific situation, you should
contact us via email for consulting at clientservices@fernencial.com.
Some of the information on this server may contain references to information created and
maintained by other organizations. Please note that Fernencial Corp does not control and cannot guarantee the relevance, timeliness, or accuracy of these outside materials. This website may also
contain links to other websites (“Linked Sites”). The Linked Sites are not under the control of
Fernencial Corp and Fernencial Corp is not responsible for the contents of any Linked Site,
including without limitation any link contained in a Linked Site, or any changes or updates to a
Linked Site. Fernencial Corp is not responsible for webcasting or any other form of transmission
received from any Linked Site. Fernencial Corp may provide these links to you only as a
convenience, and the inclusion of any link does not imply endorsement by Fernencial Corp of the
site or any association with its operators.
Fernencial Corp may promote or encourage support of our services by purchasing advertisement
on third-party websites occasionally. When your visit our website or a third party promotion for
Fernencial Corp, we may use various tracking information and the utilization of “cookies” on
your computer in order to recognize your computer and to help you personalize your online
experience. A cookie is a text file that is placed on your hard disk by a web page server. Cookies
cannot be used to run programs or deliver viruses to your computer. Cookies are uniquely
assigned to you, and can only be read by a web server in the domain that issued the cookie to
you. We compile anonymous information over time about the content, promotions, and interests
you or those who may use your computer visited or viewed. This information may be used to
give us insights to targeted promotions and to encourage support of our service activities. One of
the primary purposes of cookies is to provide a convenience feature to save you time. The
purpose of a cookie is to tell the web server that you have returned to a specific page. For
example, if you personalize Fernencial Corp pages, or register with Fernencial Corp’s website or
services, a cookie helps Fernencial Corp to recall your specific information on subsequent visits.
This simplifies the process of recording your personal information. When you return to the same
Fernencial Corp website, the information you previously provided can be retrieved, so you can
easily use our features that you customized. You have the ability to accept or decline cookies.
Most web browsers automatically accept cookies, but you can usually modify your browser
setting to decline cookies if you prefer. If you choose to decline cookies, you may not be able to
fully experience the interactive features of our services or website you visit.
Please note, for site security purposes and to ensure that this service remains available to all
users, this website employs software programs to monitor network traffic to identify
unauthorized attempts to upload or change information, or otherwise cause damage.
Unauthorized attempts to upload information or change information on this website are strictly
prohibited and may be punishable under the Computer Fraud and Abuse Act of 1986 and the
National Information Infrastructure Protection Act. Information may also be used for authorized
law enforcement investigations.