y proceeding to use this website, you are signifying that you understand, accept, and agree that no member of Fortuo Financial, including its officers and/or staff, are employed by or registered agents of any of the institutional lenders referred to on this website. Any corporate references, either direct or indirect on this website are the registered, sole property of their respective companies alone. By proceeding to use this website, you are signifying that you understand, accept, and agree that Fortuo Financial is a finance (lending) facilitator and has not held itself out as a bank or direct lender at any time. You also agree and understand that as a loan facilitator alone, Fortuo Financial is not itself a broker-dealer or member of the Securities Investor Protection Corporation (SIPC) or Financial Industry Regulatory Authority (FINRA) as it does not engage in any form of financial advising or any form of buying or selling of securities in any manner. Any actions covered under the appropriate securities or tax laws of the United States or any foreign locale must be carried out solely by fully regulated and licensed institutional parties alone. By proceeding to use this website, you are signifying that you understand, accept, and agree that Fortuo Financial is not a party to any securities loan, stock loan, or other securities-based lending contract at any time or in any manner. You are also understanding and agreeing that any decision to enter into a securities-based loan contract is entirely between the lending institution and the client (borrower) and not Fortuo Financial. All clients or prospective borrowers are encouraged to consult with a licensed legal and/or tax professional for guidance on all stock loan or securities-based finance tax-related or planning issues should they arise, and to conduct full and complete independent due diligence as necessary prior to the signing of any loan contract. By continuing to use this website you are signifying that you understand, accept, and agree that although Fortuo Financial has conducted normal and reasonable due diligence on all lenders it recommends, and that you accept that it is your responsibility to conduct your own due diligence on the lender prior to signing any loan document. By proceeding to use this website, you are also signifying that you understand, accept, and agree that Fortuo Financial has made a normal and reasonable effort to determine the professional quality, background, and standing of its referred lenders. You therefore agree to hold Fortuo Financial harmless from any allegations of insufficient due diligence now or in the future. By continuing to use the World Portfolio Loans website, you are also signifying that you understand, accept and agree that it is your responsibility alone, and not Fortuo Financial’s responsibility, to determine whether a given lender has sufficient background credentials to meet your or any quality standards prior to proceeding with a loan contract. Fortuo Financial’s role is simply to introduce loan programs that to the best of its knowledge and belief are well managed and professionally sound. You understand, accept and agree that it is your responsibility, not Fortuo Financial’s, together with any legal, research or other support, to make a final determination as to whether a referred lender is of sufficient professional ability and standing to warrant proceeding with a loan contract. Professional certification of any lender is not offered through Fortuo Financial. Certification is provided only by those organizations authorized by law and statute to do so and prospective borrowers are urged to examine current state or federal certification or other status criteria prior to signing any loan contract for updated information as necessary. By continuing to use this website, you are signifying that you understand, agree, and accept that Fortuo Financial does not have the authority nor does it attempt to claim that it certifies any particular lender in any manner. By continuing to use this website you are also signifying that you understand, agree, and accept that loan proceeds through programs introduced by Fortuo Financial must be properly reported -- regardless of borrower status -- in compliance with any and all applicable federal (IRS, SEC) and/or applicable state or local regulation, including and in particular regulations governing affiliate (“insider”) transactions. Fortuo Financial's main loan program is an institutional program. It facilitates in which shares remain in the client’s title and account in a major U.S. brokerage. However, you understand that this fact notwithstanding, on some occasions Fortuo Financial may refer a client to a separate transfer-of-title loan program when a client does not qualify for institutional offers or otherwise chooses not to pursue of his/her own volition our institutional program. Fortuo Financial makes every effort to qualify clients into those institutional programs for which the client is eligible but does not in any manner guarantee eligibility, which is based on many factors beyond Fortuo Financial's control and determined by the lending institution alone, not in any manner by Fortuo Financial. You recognize and understand that if your securities are not, for any reason, eligible for these institutional, SIPC-member managed loan programs, that we may refer you to a separate transfer-of-title lending program which is not an SIPC-member managed program, but a privately managed funding program, and that this will be fully disclosed to you at that time and you will have full freedom to accept or reject the terms of that program. You understand that if you are not eligible for an institutional loan program or choose on your own not to pursue our institutional loan program and are offered instead a transfer-of-title loan program that you choose to accept, that such transfer-of-title loan program may permit the lender to sell some portion or all of the underlying securities as part of the overall process of funding your loan, and you accept that Fortuo Financial has disclosed this to you in full, and that you have chosen freely to proceed with that loan having received this disclosure. By continuing to use this website you are also signifying that you understand, agree, and accept that nothing on this website may be construed as an offer to sell insurance, or solicitation to participate in an investment or equity fund of any kind. No tax, securities buy-sell, or general financial advice is provided, intended to be provided, or authorized to be provided by Fortuo Financial or its staff or agents without written authorization from the executive offices of Fortuo Financial in advance. You understand and agree that if you do not understand and accept all of the above statements, you will not proceed to inquire, apply for, or proceed in any manner with any of the products or services offered through this site, and that by proceeding to inquire, apply for, or proceed in any manner you are signifying that you have read and understand these disclosures, which have been made easily available to you on multiple pages on this site.

ortuo Financial is committed to the safeguarding of our clients privacy.  Our clients trust is essential for the loan facilities we offer.  Protecting the confidentiality and security of client information is an integral part of how we conduct our business worldwide.  We pledge to ensure that our global business practices protect your privacy. Under no circumstances will Fortuo Financial representatives sell or transfer any personal information to any third parties for any reason without your permission.  This applies to any and all information designated by a client as proprietary or sensitive.  We take these privacy protections seriously, and will actively investigate and if necessary, prosecute any violations of our privacy code. Should you have any issues, concerns, or questions related to the preservation of your privacy, please feel free to contact us.