Terms & Conditions

Welcome to BestBankingDeals.com (the “Site“), operated by MediaImpact EOOD (the “Company“). Your access to and use of this Site is subject to the terms outlined in this Agreement (the “Terms”). By using the Site, you acknowledge and agree to abide by these Terms in full.

BestBankingDeals.com acts as a financial information platform and does not provide loans directly. Instead, we operate as an independent intermediary, utilizing a proprietary algorithm to match users with financial service providers based on various factors, including application details, user preferences, and lender criteria. Importantly, the commission received from lenders does not influence our matching process.

We do not charge users any fees for our matching services. Furthermore, neither MediaImpactEOOD nor any of its financial partners, including lenders, will ever request an upfront payment or require users to purchase products before securing loan funds. If you receive such a request, please report it immediately.

PLEASE READ THIS AGREEMENT CAREFULLY BEFORE ACCESSING THE SITE. BY CONTINUING TO USE THE SITE, YOU ACKNOWLEDGE THAT YOU HAVE READ, UNDERSTOOD, AND AGREED TO BE LEGALLY BOUND BY THESE TERMS AS WELL AS THE PRIVACY POLICY OF MEDIAIMPACT EOOD. THIS AGREEMENT CONTAINS A MANDATORY ARBITRATION CLAUSE REQUIRING INDIVIDUAL DISPUTE RESOLUTION AND WAIVING THE RIGHT TO PARTICIPATE IN CLASS ACTION LAWSUITS OR MULTI-PARTY ARBITRATION. IF YOU DO NOT AGREE TO THESE TERMS, YOU MUST IMMEDIATELY CEASE USING THE SITE.

MediaImpact EOOD reserves the right to modify or update these Terms at any time. Continued use of the Site after such modifications signifies your acceptance of the updated Terms. Please review this page periodically to stay informed of any changes.

For any questions regarding these Terms, you may contact us at info@bestbankingdeals.com.

Authorized Use

MediaImpact EOOD (“the Company”) grants you permission to access and use this website, BestBankingDeals.com, for personal, non-commercial purposes only. Any other usage, including but not limited to reproduction, duplication, sale, or exploitation of any material found on this site for commercial purposes, is expressly prohibited. By accessing this website, you confirm that you have reviewed and accepted the terms outlined in the Privacy Policy of MediaImpactEOOD, available on the site.

Intellectual Property

All content available on this website is protected by applicable intellectual property laws, including copyright laws in Bulgaria and internationally. The content may not be used, reproduced, or distributed except as specifically permitted in these Terms of Website Use. MediaImpact EOOD makes no representations or warranties regarding the potential for your use of the site’s materials to infringe on third-party rights.

Accuracy of Information

While the Company endeavors to ensure that all information on the website is accurate and current, it does not guarantee the accuracy, completeness, or reliability of the content provided. MediaImpact EOOD is not liable for any discrepancies or errors in the information presented on the website.

Security

The Company strives to implement appropriate security measures to protect the integrity of the site. However, MediaImpact EOOD does not guarantee that these measures will prevent unauthorized access or alterations to the site. The Company assumes no liability for any unauthorized changes to the site’s content or functionality.

Disclaimer of Warranties

Neither MediaImpact EOOD nor any third-party entity involved in the creation or delivery of this website makes any representations or warranties regarding the website’s fitness for any specific purpose. The Company does not guarantee that access to the site will be uninterrupted or free from errors.

All content on this site is provided on an “as-is” basis, without any warranty, either expressed or implied. This includes, but is not limited to, implied warranties of merchantability, fitness for a particular purpose, or non-infringement.

Please be aware that certain jurisdictions may not allow the exclusion of implied warranties, meaning some of the above limitations may not apply to you. We encourage you to review your local laws to understand any restrictions or exceptions regarding the exclusion of such warranties.

Limitation of Liability

MediaImpact EOOD (“the Company”) and all parties involved in the creation, operation, or delivery of this website assume no responsibility and will not be held liable for any damage, loss, or virus that may affect your computer system or other property resulting from your access to, use of, or browsing of this website. Additionally, the Company is not responsible for any material you download from the website, including data, text, images, video, or audio files. Your use of the website is solely at your own risk.

Under no circumstances shall the Company or any related parties be liable for any incidental, consequential, special, indirect, or punitive damages arising from your access to or use of this website. The total liability of the Company to you for any damages, losses, or causes of action (whether in contract, warranty, tort, including negligence, or otherwise) shall not exceed the amount you paid to access the website, if any.

Content Submitted to the Site

Any unsolicited material or communication you send to the website, including but not limited to data, feedback, questions, comments, or suggestions, will be treated as non-confidential and non-proprietary. By submitting such material, you grant the Company and its affiliates the right to use, reproduce, disclose, modify, transmit, publish, distribute, and display the content for any purpose, including product development and marketing. You also acknowledge that any ideas, concepts, or techniques in your submission may be used by the Company for any purpose, including the creation of new products or services.

Images of People or Places

All images of individuals or locations featured on the website are either owned by or used with permission by MediaImpact EOOD. Unauthorized use of these images may constitute a violation of copyright, trademark, privacy, publicity, or communications laws.

Trademark Information

The trademarks, logos, and service marks displayed on the website (collectively referred to as “Trademarks”) are the property of MediaImpact EOOD or third parties. Nothing on the website grants, either directly or indirectly, a license or right to use any of these Trademarks without prior written consent from the Company or the relevant trademark owner. Unauthorized use of these Trademarks or any other content on the website, other than as permitted by these Terms of Use, is strictly prohibited. The Company will actively protect its intellectual property rights, including seeking criminal prosecution where applicable.

Links to Other Websites

The Company has not reviewed all external websites linked to this website and is not responsible for the content of any linked sites. Accessing any linked external sites is done at your own risk.

Conduct of Site Visitors

MediaImpact EOOD (“the Company”) may occasionally monitor or review the content posted or transmitted on this website, but is under no obligation to do so. The Company assumes no liability or responsibility for the content of such materials, including but not limited to errors, defamation, slander, libel, falsehoods, obscenity, or inaccuracies. Users are strictly prohibited from posting or transmitting any unlawful, harmful, threatening, defamatory, obscene, offensive, or profane content, or material that could promote illegal activities, give rise to civil liability, or otherwise violate any law. The Company reserves the right to remove any such content and will cooperate fully with any legal authorities or court orders requesting the identification of individuals involved in posting such materials.

Dealings with Advertisers

Any interactions, transactions, or participation in promotions with advertisers featured on or linked through this website, including payment and delivery of goods or services, are solely between you and the advertiser. MediaImpact EOOD is not responsible or liable for any loss, damage, or issues that arise as a result of such dealings or the presence of advertisers on the website.

Notices

The Company may provide notices to users via a general notice on this website, by email to the address provided in the user’s account, or by sending written communication via first-class mail to the user’s address on record.

International Use

You agree that none of the products, underlying technologies, or information available on this website may be downloaded or exported to countries or individuals subject to U.S. government trade restrictions. This includes, but is not limited to, Cuba, Iraq, Iran, Libya, North Korea, Sudan, Syria, or any other country under U.S. embargo, or to any individual or entity listed on the U.S. Treasury Department’s Specially Designated Nationals list or the U.S. Commerce Department’s Deny Orders list. By accessing or using this website, you represent and warrant that you are not located in or under the control of, nor are you a national or resident of, any such country, and you are not on any such list. You agree to indemnify MediaImpact EOOD against any liabilities, damages, costs, or losses arising from a violation of these export control laws.

Monitoring, Copying, Altering, or Interfering with the Site

You agree not to use any automated tools such as robots, spiders, web crawlers, or screen scrapers, or any manual process to monitor, copy, or gather content from this website without prior written consent from the Company. You further agree not to use any device, software, or routine to disrupt the operation of the website, or to take any action that would place an unreasonable load on the website’s infrastructure. Copying, reproducing, altering, modifying, or publicly displaying any content from the site without the express written permission of MediaImpact EOOD or the applicable third-party content owner is prohibited.

General Information

These Terms of Use (“Terms”) are governed by and interpreted in accordance with the laws of Bulgaria, without regard to any conflict of law principles. You agree that any legal action arising from or related to these Terms shall be exclusively filed in the courts of Sofia, Bulgaria, and you consent to the jurisdiction of such courts for the purpose of resolving any legal action. If any provision of these Terms is found to be invalid or unenforceable for any reason, the remaining provisions shall continue in full force and effect. The Company’s failure to act regarding any breach by you or others does not waive the right to act regarding subsequent breaches. These Terms constitute the entire agreement between you and the Company concerning the use of this website and services.

Mandatory Arbitration

If you have a dispute concerning any aspect of these Terms, the website, or any of the services provided by MediaImpact EOOD, you agree to resolve the dispute through arbitration conducted by the Bulgarian Chamber of Commerce and Industry (“BCCI”) in the jurisdiction where you reside. The arbitrator shall have exclusive authority to resolve the dispute, including any claims related to the enforceability of these Terms.

In case of a dispute between the Company and you, arbitration will be conducted in Bulgaria in accordance with the applicable rules set by the BCCI. Each party is responsible for its own costs, including filing, administration, and arbitrator fees, unless the arbitrator deems the claim frivolous or malicious (as per the guidelines under applicable Bulgarian law), in which case the submitting party will bear all fees. For claims of less than Ten Thousand Euros (€10,000), you may choose whether the arbitration will take place in person, by phone, or through submissions only. The arbitrator may grant any remedy, including injunctive relief. The arbitration award is final and enforceable in any court with appropriate jurisdiction.

The parties agree that all arbitration proceedings and their results will be kept confidential. This provision does not prevent either party from seeking preliminary injunctive relief in a court of competent jurisdiction before the arbitration proceedings conclude.

By agreeing to these Terms, you waive your right to a jury trial and acknowledge that you are waiving your right to participate in any class action lawsuit, class-wide arbitration, or multi-party arbitration against the Company, its affiliates, or service providers.

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Important Disclosures – Please Read Carefully

*Individuals experiencing significant financial hardship should explore alternative solutions or seek professional financial advice before proceeding.

This website does not constitute an offer to lend. BestBankingDeals is neither a lender nor a lending partner and does not engage in loan or credit decision-making. Instead, BestBankingDeals functions as a platform that connects interested individuals with lenders or lending partners within a network of approved financial providers. BestBankingDeals does not oversee, control, or bear responsibility for the actions or inactions of any lender or lending partner. Furthermore, BestBankingDeals does not act as an agent, representative, or broker for any lender or lending partner and does not endorse specific lenders or lending partners. Compensation is received by BestBankingDeals from lenders and lending partners, often through a ping-tree model similar to Google AdWords, where the highest bidder is matched with the consumer. Notwithstanding this, BestBankingDeals’ services remain free of charge to users.

In certain circumstances, borrowers may have the option to secure a loan from a tribal lender. Tribal lenders operate under tribal and certain federal regulations, and they may be exempt from state laws, including usury limits. If you are connected with a tribal lender, be aware that their interest rates and fees may be higher than those of state-licensed lenders. Additionally, tribal lenders may require that disputes be resolved within a tribal jurisdiction. It is strongly recommended that you thoroughly review and fully understand the terms of any loan offered by any lender—whether tribal or state-licensed—and decline any loan with terms that are either unaffordable or otherwise unacceptable to you.

This service is not available in all states. If you request a connection with a lender or lending partner in a jurisdiction where such loans are prohibited, or where BestBankingDeals does not have an available lender or lending partner, no connection will be established. You are encouraged to carefully review and fully comprehend the terms of any loan offered and to reject any loan that you are unable to repay or that contains unfavorable terms.

By submitting your information on this website, you authorize BestBankingDeals and its associated partners to conduct a credit inquiry. This process may include verification of your Social Security number, driver’s license number, or other identifying information, as well as an assessment of your creditworthiness. Additional credit checks or alternative verification methods may be conducted to monitor your credit status. These credit evaluations are typically performed by major credit bureaus such as Experian, Equifax, and TransUnion but may also involve alternative agencies such as Teletrack, DP Bureau, or others. Furthermore, you consent to BestBankingDeals sharing your personal and credit information with its network of approved lenders and lending partners.

APR Disclosure

The Annual Percentage Rate (APR) represents the yearly cost of borrowing expressed as a percentage, incorporating interest rates, fees, and other costs associated with a loan. It serves as a standardized metric allowing consumers to compare loan options from different lenders.BestBankingDeals.com does not set or control APRs, as it is not a lender, and cannot guarantee specific rates. APRs typically range between 5.99% and 35.99%, depending on the lender’s terms and the borrower’s credit profile, and an origination fee of 1% to 9.99%. For example, a $10,000 personal loan with a three-year term, an interest rate of 9.38%, and a 9.99% origination fee would result in an APR of 16.74%. You would receive $9,001.00 after fees and make 36 monthly payments of $319.77. Similarly, a five-year $10,000 personal loan with an interest rate of 11.14% and a 9.99% origination fee would have an APR of 15.84%. You would receive $9,001.00 and make 60 monthly payments of $218.12. Eligibility for specific APRs and loan terms depends on several factors, including your credit rating and the information provided in your application. The most favorable rates are reserved for the most creditworthy applicants, and your actual rate may vary. Before accepting any loan offer, borrowers should carefully review the lender’s agreement, as the final APR and repayment terms may vary from what is presented on this site. Apply 100% online and claim a loan at your convenience.

Lender and Lending Partner Disclosures

Lenders and lending partners will provide documentation outlining all fees, rates, and terms associated with any loan offered. This includes any potential penalties for late payments and the conditions under which a loan may be refinanced, renewed, or rolled over if permitted by applicable laws. Loan fees and interest rates are solely determined by the lender or lending partner, based on their internal policies, underwriting criteria, and legal obligations. BestBankingDeals does not have knowledge of or influence over the specific loan terms extended by any lender or lending partner. It is essential that you thoroughly review and fully understand all the loan terms before acceptance and decline any offer that is financially burdensome or otherwise unsuitable for you.

Impact of Late Payments on Credit Score

Failure to make timely payments or missing payments entirely may negatively affect your credit score. To protect your financial standing, only accept loan terms that align with your ability to repay. If you anticipate difficulty in making a scheduled payment, it is strongly advised that you promptly contact your lender or lending partner to discuss possible arrangements for handling late payments.

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