Terms of Use
Last Updated: February 15, 2026
1. Acceptance of Terms
By accessing fintechfuckery.org (“the Site”), you agree to be bound by these Terms of Use. If you do not agree, please do not use the Site.
2. Purpose
This Site is a consumer advocacy platform operated by DnDL Creative LLC. It serves as a public record of personal experiences with financial technology companies. The Site is operated on a not-for-profit, non-commercial basis. There are no advertisements, no affiliate links, and no revenue generation of any kind.
3. User Submissions
By submitting a complaint or story through our form, you represent that your account is truthful and based on your actual experience. You grant the Site operator a non-exclusive, royalty-free license to publish an anonymized version of your submission on this Site for advocacy purposes.
4. No Legal Advice
Nothing on this Site constitutes legal advice. The legal analysis presented reflects personal interpretations and publicly available information. If you are facing a dispute with a financial institution, consult a licensed attorney in your jurisdiction.
5. Fair Use & Commentary
Content on this Site, including quoted correspondence, is published under the fair use doctrine for purposes of criticism, commentary, and consumer protection reporting. All quoted materials are attributed to their source and used in a transformative context.
6. Disclaimer of Liability
This Site is provided “as is” without warranties of any kind. the Site operator is not liable for any damages arising from your use of the Site or reliance on its content.
7. Governing Law
These Terms are governed by the laws of the State of New York, United States of America.
8. Non-Violence Statement
This Site does not advocate for, encourage, or condone violence, harassment, threats, or illegal activity of any kind against any person, company, or institution. All advocacy conducted through this Site is limited to regulatory filings, public documentation, consumer protection reporting, and potential class action participation — all of which are protected activities under United States law.
9. Contact
For questions about these Terms, contact the Site operator through the form on the homepage.