Welcome to pinoyfinancial.com (the “Site”), operated by Mindcry Inc (“we,” “us”). By using the Site you agree to these Terms. If you don’t agree, please don’t use the Site.
Pinoy Debt Relief is a financial education and marketing / lead-generation service. We are not a lender, a debt-settlement company, a credit counselor, or a financial, legal, or tax advisor. The content and tools we provide are for general educational purposes only and are not individualized advice.
When you consent, we may share or sell your information to third-party debt-relief providers, including Simula Financial and other partners, who may contact you about their services (including debt settlement). We may be paid for these referrals. We do not control those providers, do not guarantee their services or results, and are not responsible for your dealings with them. Any agreement you enter is solely between you and that provider. See our Privacy Policy.
Debt settlement carries real risks: it can harm your credit score, creditors may still sue you, forgiven debt may be taxable, and not all debts settle. Review all terms with any provider and consider consulting a licensed professional before enrolling. Nothing on this Site is a recommendation to enroll in any program.
We do not guarantee any particular financial outcome, savings, or result. Individual results vary. Tools such as calculators produce estimates based on the information you enter and are not promises.
The Site, its content, and the Ginhawa app are owned by Mindcry Inc or its licensors and may not be copied or reused without permission.
The Site is provided “as is,” without warranties of any kind. To the fullest extent permitted by law, Mindcry Inc is not liable for any indirect, incidental, or consequential damages arising from your use of the Site or from any third-party provider we refer you to.
We may update these Terms; material changes will be posted here with a new date. Continued use means you accept the updated Terms.
These Terms are governed by the laws of the State of Florida, without regard to conflict-of-law rules.
Mindcry Inc
4134 Lake Conway Woods, Orlando, FL 32812
(407) 758-4128 · privacy@pinoyfinancial.com