Hello, and welcome to WHYFI (“The Service”), owned and operated by Why Finance Now (“The Company”).

Why Finance Now reserves the right to change the Terms of Use. The most current version will be accessible through SMS Terms and Conditions.

By signing up for the WHYFI SMS service through our website, you are agreeing to sign up for the WHYFI Service, these Terms of Use, and to receive messages on your mobile phone. When you sign up for the WHYFI service, you will receive recurring messages.

Fees

Why Finance Now does not charge you to participate in the WHYFI Service. However, message and data rates may apply from your wireless carrier. Please consult your wireless carrier for applicable text messaging fees. Under no circumstances will Why Finance Now be responsible for fees that your wireless carrier may charge you for use of The WHYFI service. 

Privacy

Why Finance Now respects and protects your privacy. Information gathered in the SMS campaign will not be shared with Third Parties or Affiliates for Marketing Purposes. We do not share any information collected. To see our Privacy Policy.

Limitations on Use

You must be at least 17 years old to register for and use the WHYFI service. If you are under 17 years old, please obtain your parents’ permission before you sign up for the WHYFI service.

Supported Carriers

Mobile carriers are not liable for delayed or undelivered messages. Participating carriers include T-Mobile®, Verizon Wireless, AT&T, Sprint, Boost, U.S. Cellular®, MetroPCS, Virgin Mobile, and Cricket.

Support Issues, Canceling or Unsubscribing

‍You may opt out of the WHYFI service at any time by texting STOP, QUIT, END, CANCEL, UNSUBSCRIBE, or STOP ALL to 59613. Message and data rates may apply. Alternatively, you can send an email to [email protected] with your mobile phone number as the subject line. For help or other support issues, you can also send an email to [email protected] Text HELP to 59613 from your mobile phone or call the following toll-free phone number: (844) 708-3903. Messages are recurring based on account activity.

Ownership; Trademarks; Modifications to Offers

You agree that Why Finance Now or its partners will own all legal right, title, and interest in and to the WHYFI services and any offers made through the WHYFI services, including any intellectual property rights. You agree that you shall not alter or modify any offers made through the WHYFI service, and shall not remove, obscure, or alter any proprietary rights notices (including copyright or trademark notices) which made be affixed to the WHYFI services or offers made through the WHYFI services. Except as may be expressly authorized by a partner, you agree that you will not use any Trademark, service mark, trade name, or logo (“Trademarks”) of any entity in a way that is likely to or intended to cause confusion with respect to ownership of a Trademark, or that is likely to or intended to be detrimental to the goodwill in such Trademarks.

Termination

Why Finance Now reserves the right, at our sole discretion, to terminate your subscription at any time without notice or without future obligation.

Disclaimer of Warranties

Why Finance Now makes no warranties, express or implied regarding the WHYFI service. The WHYFI service is provided “as is” and on an “as available” basis, and Why Finance Now DISCLAIMS ALL WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, INCLUDING WITHOUT LIMITATION ANY IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE AND NON-INFRINGEMENT. Factors beyond the control of Why Finance Now including without limitation, the speed of the mobile carrier networks and the internet may affect the performance of the WHYFI service. Why Finance Now is not responsible for any acts that are beyond the control of Why Finance Now.

Limitation of Liability

‍Under no circumstances will Why Finance Now, its officers, directors, employees, or agents be liable to you for any damages whatsoever with respect to your use of the WHYFI service. Including without limitation, any direct, indirect, incidental, consequential, exemplary, or special damages even if advised of the possibility of the same. To the extent that in a particular circumstance any disclaimer or limitation on damages or liability set forth herein is prohibited by applicable law, then, instead of the provisions hereof in such particular circumstance Why Finance Now will be entitled to the maximum disclaimers and/or limitations on damages and liability available at law or in equity by such applicable law in such particular circumstance, and notwithstanding the foregoing, in no event will Why Finance Now be liable for any damages or liability arising under these terms of use or your use of the WHYFI service that exceeds US $500.

Indemnity

You agree to indemnify and hold each Company party harmless from any claim or demand, and any damages, costs, or expenses arising in connection with such claim or demand, including reasonable attorneys’ fees and costs, made by any other party due to or arising out of your breach of this agreement or the documents it incorporates by reference, or your violation of any law or the right of another party.

Governing Law; Venue

‍This agreement and its validity, construction and performance will be governed in all respects by the laws, and in the state and federal courts of the state of Arizona, without regard to its choice of law provisions. You irrevocably agree to accept the exclusive personal jurisdiction and waive any objections to the venue of such courts.