Last updated: July 10, 2026
These Terms of Service (“Terms”) govern your access to and use of TheFinanceSection.com and any related pages, features, content, and services (collectively, the “Site”), operated under the trade name “TheFinanceSection” (also styled “TheFinance$ection”) (“TheFinanceSection,” “we,” “us,” or “our”). Please read these Terms carefully. They contain important provisions, including a binding arbitration agreement and a class-action waiver that affect your legal rights.
By accessing or using the Site in any way, you acknowledge that you have read, understood, and agree to be bound by these Terms and by our Privacy Policy, which is incorporated here by reference. If you do not agree to these Terms, you must not access or use the Site. You represent that you are at least 18 years old and able to form a binding contract.
We may modify these Terms at any time in our sole discretion. When we do, we will revise the “Last updated” date above. Changes are effective when posted. Your continued use of the Site after any change constitutes your acceptance of the revised Terms. If you do not agree to the revised Terms, your sole remedy is to stop using the Site.
The TFS Financial Health Grades, scores, rankings, letter grades (A+ through F), summaries, and related commentary (collectively, the “Grades”) are statements of opinion and editorial assessments. They reflect our subjective interpretation of publicly available government data using our proprietary, evolving methodology. Reasonable analysts reviewing the same data may disagree and reach different conclusions.
The Grades are expressly NOT:
The Grades are provided solely for general educational and informational purposes. You should not rely on the Grades as the basis for any financial decision.
Nothing on the Site constitutes financial, investment, legal, accounting, or tax advice, and no content should be treated as such. Your use of the Site does not create any advisory, fiduciary, or professional-client relationship between you and TheFinanceSection. You should consult a licensed financial professional before making any financial decision, and you should verify any information directly with the relevant institution and with the FDIC (fdic.gov) or NCUA (ncua.gov).
Financial and complaint data displayed on the Site is sourced from third-party public government databases, including the FDIC, NCUA, and CFPB. This data may be delayed, incomplete, outdated, or contain errors, and is provided without any guarantee of accuracy, completeness, or timeliness. We do not independently audit source data. Always verify information directly with the financial institution and the relevant regulator.
THE SITE AND ALL CONTENT, INCLUDING THE GRADES, ARE PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS, WITH ALL FAULTS AND WITHOUT WARRANTY OF ANY KIND. TO THE MAXIMUM EXTENT PERMITTED BY LAW, THEFINANCESECTION DISCLAIMS ALL WARRANTIES, WHETHER EXPRESS, IMPLIED, STATUTORY, OR OTHERWISE, INCLUDING WITHOUT LIMITATION ANY IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, NON-INFRINGEMENT, AND ACCURACY. THEFINANCESECTION DOES NOT WARRANT THAT THE SITE OR ANY CONTENT WILL BE ACCURATE, RELIABLE, COMPLETE, CURRENT, UNINTERRUPTED, SECURE, OR ERROR-FREE, OR THAT ANY DEFECTS WILL BE CORRECTED. NO ADVICE OR INFORMATION, WHETHER ORAL OR WRITTEN, OBTAINED FROM THEFINANCESECTION OR THROUGH THE SITE CREATES ANY WARRANTY NOT EXPRESSLY STATED IN THESE TERMS.
TO THE MAXIMUM EXTENT PERMITTED BY LAW, IN NO EVENT WILL THEFINANCESECTION, OR ITS OPERATOR, CONTRACTORS, OR SUPPLIERS, BE LIABLE TO YOU FOR ANY INDIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL, PUNITIVE, OR EXEMPLARY DAMAGES, OR FOR ANY LOSS OF PROFITS, REVENUE, DATA, GOODWILL, OR OTHER INTANGIBLE LOSSES, ARISING OUT OF OR RELATING TO YOUR ACCESS TO OR USE OF (OR INABILITY TO ACCESS OR USE) THE SITE OR ANY CONTENT, INCLUDING THE GRADES, WHETHER BASED IN CONTRACT, TORT, NEGLIGENCE, STRICT LIABILITY, OR ANY OTHER THEORY, EVEN IF THEFINANCESECTION HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.
WITHOUT LIMITING THE FOREGOING, THEFINANCESECTION WILL HAVE NO LIABILITY FOR ANY FINANCIAL, BANKING, OR INVESTMENT DECISION YOU MAKE, OR FOR ANY LOSS YOU SUFFER, BASED ON OR IN RELIANCE ON THE SITE OR ANY CONTENT.
IN ALL CASES, THEFINANCESECTION’S TOTAL AGGREGATE LIABILITY ARISING OUT OF OR RELATING TO THESE TERMS OR THE SITE WILL NOT EXCEED THE GREATER OF (A) THE TOTAL AMOUNTS YOU PAID TO THEFINANCESECTION IN THE TWELVE (12) MONTHS BEFORE THE EVENT GIVING RISE TO THE LIABILITY, OR (B) ONE HUNDRED U.S. DOLLARS (US $100).
Some jurisdictions do not allow the exclusion or limitation of certain warranties or liabilities, so some of the above may not apply to you. In such cases, our liability is limited to the maximum extent permitted by law.
You agree to indemnify, defend, and hold harmless TheFinanceSection and its operator from and against any and all claims, liabilities, damages, losses, costs, and expenses (including reasonable attorneys’ fees) arising out of or relating to: (a) your access to or use of the Site; (b) any content you submit, post, or transmit through the Site; (c) your violation of these Terms; or (d) your violation of any law or of the rights of any third party.
You agree not to, and not to permit or enable anyone else to:
The Site allows you to submit reviews, ratings, and related content (“User Content”). You retain ownership of your User Content. By submitting User Content, you grant TheFinanceSection a worldwide, non-exclusive, royalty-free, perpetual, irrevocable, sublicensable, and transferable license to use, host, store, reproduce, display, adapt, and distribute your User Content in connection with operating and promoting the Site.
You represent and warrant that your User Content is truthful, is based on your genuine experience, is lawful, and does not infringe or violate the rights of any third party. We may, but are not obligated to, review, moderate, edit, or remove any User Content at any time and for any reason, including content we believe violates these Terms.
We respect intellectual-property rights. If you believe content on the Site infringes your copyright, please send a written notice to [email protected] that includes: (a) your physical or electronic signature; (b) identification of the copyrighted work claimed to be infringed; (c) identification of the material claimed to be infringing and its location (URL) on the Site; (d) your contact information; (e) a statement that you have a good-faith belief that the use is not authorized by the copyright owner, its agent, or the law; and (f) a statement, under penalty of perjury, that the information in your notice is accurate and that you are the owner or authorized to act on the owner’s behalf. We may remove allegedly infringing material and terminate the accounts of repeat infringers.
Certain features (such as submitting reviews or watching institutions) require an account created through Google sign-in. You are responsible for activity that occurs under your account. We may suspend or terminate your access to the Site or your account at any time, with or without notice, for any reason, including violation of these Terms. You may delete your account and associated data at any time as described in our Privacy Policy.
The Site may contain links to, or integrate with, third-party websites, products, and services (including institution websites, Google services, and advertising partners) that are not owned or controlled by TheFinanceSection. We are not responsible for the content, policies, or practices of any third party. Your dealings with third parties are solely between you and that third party.
The TFS Financial Health Grade methodology, website design, software, text, graphics, and original content are the property of TheFinanceSection and are protected by intellectual-property laws. Government data displayed on the Site is in the public domain. User reviews remain the property of their authors, subject to the license granted above. Except as expressly permitted, you may not copy, reproduce, republish, or exploit any part of the Site without our prior written consent.
Please read this section carefully. It affects your legal rights, including your right to file a lawsuit in court and to have a jury trial.
Any dispute, claim, or controversy arising out of or relating to these Terms or the Site (a “Dispute”) will be resolved exclusively through final and binding individual arbitration, rather than in court, except that either party may bring an individual claim in small-claims court. The arbitration will be administered by a nationally recognized arbitration provider under its consumer arbitration rules, and may take place in South Dakota or via remote means.
Class-action and jury-trial waiver. You and TheFinanceSection agree that each may bring Disputes against the other only in an individual capacity, and not as a plaintiff or class member in any purported class, collective, consolidated, or representative proceeding. You and TheFinanceSection each waive any right to a jury trial.
30-day right to opt out. You may opt out of this arbitration agreement within thirty (30) days of first accepting these Terms by emailing [email protected] with your name and a clear statement that you wish to opt out of arbitration. Opting out will not affect any other provision of these Terms.
These Terms and any Dispute are governed by the laws of the State of South Dakota, without regard to its conflict-of-laws rules. Subject to the arbitration agreement above, you and TheFinanceSection agree that the exclusive venue for any Dispute that may be brought in court will be the state and federal courts located in South Dakota, and you consent to the personal jurisdiction of those courts.
If any provision of these Terms is held invalid or unenforceable, that provision will be limited or eliminated to the minimum extent necessary, and the remaining provisions will remain in full force and effect. These Terms, together with our Privacy Policy, constitute the entire agreement between you and TheFinanceSection regarding the Site and supersede all prior agreements. Our failure to enforce any provision is not a waiver of our right to do so later.
Questions about these Terms may be directed to [email protected], or by mail to:
TheFinanceSection
5013 S Louise Ave #545
Sioux Falls, SD 57108