Please read these Terms of Service carefully before using our platform.

These Terms of Service (the “Terms”) govern your access to and use of the website located at www.divenx.com and the financial account dashboard and research tools made available through it (collectively, the “Platform”), which are owned and operated by Divenx, a corporation (the “Corporation,” “we,” “us,” or “our”). By accessing the Platform, creating an account, or submitting information through any form on our website, you acknowledge that you have read, understood, and agree to be bound by these Terms. If you do not agree with any part of these Terms, please discontinue use of the Platform.

1. Company Information

Legal Name: Divenx

Headquarters Address: 3820 Northdale Blvd, Tampa, FL 33624

Telephone: 8887914713

Email: support@divenx.com

Website: www.divenx.com

2. Nature of Our Services

The Corporation operates a consumer and small business financial research platform built around a registered user account. Once you create an account, the Platform allows you to save and organize product comparisons, store calculator scenarios and worksheets, track the status of inquiries you have submitted, upload and manage documents you choose to associate with an inquiry, configure alerts on the topics and products you are following, and manage your contact details and communication preferences from a single dashboard.

Our services are informational and organizational in nature. We publish educational content, provide account-based tools for organizing your own research, and facilitate introductions. We do not originate loans, extend credit, accept deposits, hold or transmit customer funds, service accounts on behalf of a lender, execute securities transactions, or make credit decisions of any kind. Any financing, account, or financial product you ultimately obtain is issued by an independent third party under that party’s own agreements, disclosures, underwriting standards, and pricing, and your relationship with that party is separate from your relationship with the Corporation.

Submitting an inquiry through the Platform is a request for information. It is not an application for credit, it does not obligate you to accept any product or offer, and it does not guarantee that you will be contacted or that you will qualify for any product. Rates, ranges, figures, and examples displayed on the Platform are illustrative and provided for general education only; they are not offers, quotes, commitments, or preapprovals. Third-party partners set their own eligibility criteria and may decline any request at their sole discretion.

3. Not a Bank; No Financial, Investment, or Tax Advice

The Corporation is a financial technology and media company, not a bank, credit union, lender, mortgage broker, broker-dealer, registered investment adviser, insurance producer, credit counseling agency, credit repair organization, debt settlement company, or tax professional. We are not FDIC insured and we do not accept deposits. The account you create with us is a Platform account used to organize your research and manage your notification preferences; it is not a bank account, deposit account, credit account, or investment account. Any banking, lending, deposit, or card services referenced within the Platform are provided by the third-party financial institutions that offer them, subject to their own agreements and disclosures.

All content available through the Platform, including comparisons, calculators, projections, ranges, and editorial commentary, is provided for general informational purposes only and does not constitute financial, investment, legal, accounting, or tax advice, nor a recommendation that you pursue or avoid any particular product, strategy, or transaction. Individual financial circumstances differ, market conditions change, and past results are not a guarantee of future outcomes. Financial products carry real risk, including interest charges, fees, collection activity, and damage to your credit standing if obligations are not met. You should read all documents provided to you in full and consult a qualified professional before making any significant financial decision. You are solely responsible for the decisions you make and for verifying the accuracy of any information presented to you.

4. Eligibility and Your Account

You must be at least eighteen (18) years of age and a resident of the United States to create an account. You agree to provide accurate, current, and complete information during registration and to keep that information updated, including the mobile telephone number and email address at which you receive account notifications. You agree to submit information only about yourself or a business you are authorized to act for, and not to submit another person’s information without their knowledge and permission.

You are responsible for maintaining the confidentiality of your login credentials and for all activity that occurs under your account, and you agree to notify us promptly at support@divenx.com if you suspect unauthorized access. Because we use your mobile number and email address to deliver security and account activity notifications, keeping those details current is your responsibility, and you agree to update them promptly if they change or if you relinquish a mobile number.

You agree not to use the Platform for any unlawful purpose, including any attempt to obtain credit or funds by misrepresentation or in furtherance of fraud or money laundering; not to attempt to gain unauthorized access to our systems or the accounts of other users; not to introduce malicious code; not to use automated means to submit inquiries or messages; and not to scrape, reverse engineer, resell, or otherwise commercially exploit the Platform or its content. We may suspend or terminate accounts that violate these Terms or whose use we reasonably believe poses a risk to us, to our partners, or to other users.

5. Intellectual Property

The Platform and all associated content, including but not limited to software, source code, user interfaces, editorial text, graphics, logos, icons, illustrations, calculators, product names, and the trademarks and service marks of Divenx, are the exclusive property of the Corporation or its licensors and are protected by United States and international intellectual property laws.

We grant you a limited, revocable, non-exclusive, non-transferable license to access and use the Platform for your own personal, non-commercial purposes in accordance with these Terms. No other rights are granted. You may not copy, reproduce, republish, distribute, modify, create derivative works from, frame, or publicly display any portion of the Platform, or use our marks in any manner suggesting sponsorship or endorsement, without our prior written permission.

6. Third-Party Links and Partners

The Platform may reference or link to websites, tools, disclosures, or materials operated by parties other than the Corporation, including providers who may contact you after you submit an inquiry. We provide those references for convenience and general information. We do not control, continuously review, or endorse any third party, and we accept no responsibility for their content, accuracy, security, privacy practices, products, pricing, or conduct. Once you follow a link or begin an application with a third party, that party’s own terms and privacy policy govern your interaction with them, and any dispute concerning a third-party product or service is between you and that party.

7. SMS Messaging – Account Notifications

Divenx operates an SMS text messaging program that is used exclusively to deliver account notifications to registered account holders. The program does not deliver promotional or marketing content. By submitting your mobile telephone number through our website and affirmatively consenting to receive text messages, you agree to the terms set forth in this section.

• Program Description. Subscribers receive recurring account notification text messages from DIVENX relating to their Platform account. These messages may include sign-in verification codes, security and suspicious-activity alerts, password and credential change confirmations, account profile and contact detail updates, status changes on an inquiry you submitted, requests for a document needed to complete an inquiry, reminders about an item awaiting your action, and alerts you configured yourself on products or topics you are following.
• Account Notifications Only. This program is transactional in nature. We do not send advertising, promotional offers, or marketing solicitations through this SMS program, and enrolling does not subscribe you to marketing messages of any kind.
• Consent Is Not a Condition of Purchase. Your consent to receive account notification text messages is not required in order to purchase any goods or services from the Corporation, and you may decline without affecting your access to our services. Notifications remain available to you by email within your account dashboard if you choose not to enroll in the SMS program.
• Message Frequency. Message frequency varies and depends on the activity on your account.
• Message and Data Rates. Message and data rates may apply. You are solely responsible for any charges assessed by your wireless carrier.
• Opt-Out and Help. You may cancel the SMS program at any time by texting the keyword STOP to [INSERT SHORT CODE]. After you send STOP, we will send you one confirmation message and you will receive no further account notification messages unless you re-subscribe. Because these messages can be time sensitive, opting out may mean you do not receive a security alert or a request for information as promptly, and you agree to monitor your email and your account dashboard for such notices instead. For assistance at any time, text the keyword HELP to [INSERT SHORT CODE], call us at 8887914713, or email support@divenx.com.
• Supported Carriers. The program is supported by AT&T, T-Mobile, Metro PCS, Verizon Wireless, US Cellular, Google Voice, Cellular One, Cellcom, Cellular South, Interop, and Clearsky.
• Carrier Liability. Wireless carriers are not liable for delayed or undelivered messages.
• Privacy. Information gathered in the SMS campaign will not be shared with third parties or affiliates for marketing purposes. View our Privacy Policy.

8. Disclaimer of Warranties

The Platform is provided on an “as is” and “as available” basis, without warranties of any kind, whether express, implied, or statutory. To the fullest extent permitted by applicable law, the Corporation disclaims all implied warranties, including the implied warranties of merchantability, fitness for a particular purpose, title, accuracy of informational content, and non-infringement.

We do not warrant that the Platform will be uninterrupted, secure, error-free, or free of viruses, that any account notification will be delivered, delivered on time, or received by you, that any calculator, estimate, rate, or range displayed will prove accurate or remain available, that information supplied by third-party partners will be accurate, complete, or timely, or that any financial outcome will be achieved through your use of the Platform.

9. Limitation of Liability

To the maximum extent permitted by applicable law, neither the Corporation nor its officers, directors, employees, agents, licensors, or service providers shall be liable for any indirect, incidental, special, consequential, exemplary, or punitive damages, or for any loss of profits, savings, goodwill, data, business opportunity, or damage to credit standing, arising out of or relating to your access to or use of the Platform, your reliance on any content, any account notification you receive or fail to receive, or any dealing you have with a third-party partner, whether based in contract, tort, strict liability, or any other legal theory, even if we have been advised of the possibility of such damages.

To the extent liability cannot be excluded, the total aggregate liability of the Corporation for all claims relating to the Platform shall not exceed one hundred United States dollars ($100.00).

10. Indemnification

You agree to indemnify, defend, and hold harmless the Corporation and its officers, directors, employees, and agents from and against any claims, demands, losses, liabilities, damages, costs, and expenses, including reasonable attorneys’ fees, arising out of or related to information you submit through the Platform, your use of the Platform, your violation of these Terms, or your violation of any applicable law or the rights of any third party.

11. Governing Law

These Terms and any dispute arising out of or relating to them or the Platform shall be governed by and construed in accordance with the laws of the State of Florida, without regard to its conflict of laws principles. You agree that the state and federal courts located in Hillsborough County, Florida shall have exclusive jurisdiction and venue over any such dispute, and you consent to personal jurisdiction in those courts.

12. Changes to These Terms

We may revise these Terms from time to time to reflect changes in our services, our business practices, or applicable law. The current version will always be posted on this page, and your continued use of the Platform following the posting of a revised version constitutes your acceptance of the updated Terms. We encourage you to review this page periodically.

13. Severability and Entire Agreement

If any provision of these Terms is found to be unenforceable, that provision shall be limited or severed to the minimum extent necessary, and the remaining provisions shall remain in full force and effect. Our failure to enforce any right or provision shall not constitute a waiver of it. These Terms, together with our Privacy Policy, constitute the entire agreement between you and the Corporation regarding the Platform.

14. Contact Information

Questions about these Terms, our services, or our SMS program may be directed to our support team using the information below.

Divenx: 3820 Northdale Blvd, Tampa, FL 33624

Telephone: 8887914713

Email: support@divenx.com

Website: www.divenx.com

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