Since 2018, Fidem has acquired more than $20 billion of credit card and consumer loan receivables, led by a team with hundreds of years of combined issuer-side experience across the industry's largest card businesses.
Fidem Financial is a consumer-focused credit company. We acquire, manage, and grow consumer credit card portfolios in partnership with banks and co-brands, extending responsible credit across the credit spectrum.
Having led some of the industry's largest credit card portfolios, we understand what it takes to build, manage, and grow successful programs. Because no two partners or portfolios are alike, we tailor transaction structures and actively manage portfolios to achieve our partners' objectives, applying disciplined underwriting and operational expertise across the full credit card lifecycle.
Every portfolio is different, so we structure transactions and actively manage portfolios around each partner's objectives, applying disciplined underwriting and operating expertise throughout the lifecycle.
We purchase credit card portfolios from banks seeking capital, balance sheet optimization, or strategic portfolio repositioning, with flexible structures that preserve customer relationships and servicing continuity.
We enable new credit card programs with disciplined underwriting, active portfolio management, and a focus on customer growth, backed by funding and rewarding experiences that build cardholder loyalty to the brand.
We help banks responsibly expand lending into customer segments outside their current risk appetite. A Fidem-managed SPV assumes the credit exposure, allowing banks to deepen customer relationships.
Disciplined underwriting, pricing, and active portfolio management drive every investment and operating decision we make.
Our servicing oversight, compliance framework, risk management capabilities, and analytics support disciplined portfolio management throughout the lifecycle.
We invest alongside our partners and operate with a long-term ownership mindset, aligning our interests with banks, brands, and institutional investors throughout the life of the portfolio.
Last modified: February 22, 2023
PLEASE READ THE TERMS OF USE CAREFULLY BEFORE ACCESSING THIS WEBSITE OR SUBMITTING INFORMATION TO FA2 ADVISORS, LLC (“FA2”). THESE TERMS OF USE AND THE REFERENCED PRIVACY POLICY CONSTITUTE THE “AGREEMENT” BETWEEN YOU AND FA2. BY ACCESSING OR USING THE WEBSITE, YOU SIGNIFY THAT YOU HAVE READ THE AGREEMENT AND THAT YOU UNDERSTAND AND AGREE TO BE BOUND BY THE AGREEMENT. THE TERMS OF USE ARE SEPARATE AND DISTINCT FROM ANY AND ALL TERMS OF USE, DISCLAIMERS OF LIABILITY OR WARRANTIES REGARDING ANY SERVICES SOLD AND DO NOT GOVERN THEM.
You should review this Agreement each time you access our Website. FA2 reserves the right to modify these terms at any time. By continuing to access this site, you signify your agreement to be bound by them.
1. Privacy Policy
Please see our privacy policy for a detailed description of our information gathering and dissemination practices.
2. Inaccuracies on the Websites
While we use reasonable efforts to include accurate and up to date information on our Website, errors, inaccuracies, and omissions sometimes occur. We reserve the right to correct any errors, inaccuracies, or omissions and to change or update information at any time without prior notice. FA2 makes no guarantees whatsoever as to the completeness, correctness, or accuracy of the materials or data on our Website. More specifically, FA2 does not warrant the accuracy or timeliness of our Website and related materials, and FA2 has no liability for any errors or omissions in the information provided.
3. Permitted Use
Our Website is protected by intellectual property laws, including but not limited to U.S. copyright laws. You expressly acknowledge and agree that the content accessible within our Website is the property of FA2 and its content providers, and FA2 and its content providers retain all right, title, and interest in the content.
Subject to the terms of this Agreement, you are granted a limited, personal, non-exclusive, non-sub-licensable, non-assignable, non-transferable, and revocable license to use our Website and related materials solely for your own personal non-commercial use. Except as expressly provided, all rights are reserved. Among other things, except to the extent required for the limited purpose of reviewing material on our Website, electronic reproduction, adaptation, distribution, performance, or display of our Website or any portion of our Website is prohibited. Use of any of our trademarks in any way, including but not limited to use as meta-tags on any other website, is strictly prohibited. You may not display our Website or portions thereof in things (e.g., framing, scraping, etc.) without our express written permission. You agree to cooperate with us to cause all unauthorized co-branding, framing, scraping, or linking to immediately cease.
4. Prohibited Uses
You may use our Website only for lawful purposes and in accordance with these Terms of Use. You agree not to use the Website:
5. Third Party Links and Materials on the Websites
Our Website may be linked to other sites on the Internet that are not under the control of or maintained by FA2. Such links do not constitute an affiliation with or endorsement by FA2 of any such sites. You acknowledge that FA2 is providing these links to you solely as a convenience to you, and you agree that FA2 is not responsible for the content or links displayed on such sites to which you may be linked. FA2 does not endorse or make any representations about these websites, or any content found thereon. If you access any of the third party websites linked on our Website, you do so at your own risk.
6. Disclaimer of Warranties YOU EXPRESSLY AGREE THAT ACCESS TO AND USE OF OUR WEBSITE IS AT YOUR SOLE RISK. OUR WEBSITE IS PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS. FA2 DOES NOT MAKE, AND HEREBY DISCLAIMS, ANY REPRESENTATIONS OR WARRANTIES, EXPRESS, IMPLIED, OR STATUTORY, REGARDING OUR WEBSITE, INCLUDING (WITHOUT LIMITATION) IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, NON-INFRINGEMENT OF THIRD PARTY RIGHTS, AND ANY WARRANTIES ARISING BY COURSE OF DEALING OR CUSTOM OF TRADE. FA2 MAKES NO REPRESENTATION OR WARRANTY THAT ANY MATERIAL, CONTENT, PRODUCTS, OR SERVICES DISPLAYED ON OR OFFERED THROUGH OUR WEBSITE IS ACCURATE COMPLETE, APPROPRIATE, RELIABLE, OR TIMELY. FA2 ALSO MAKES NO REPRESENTATIONS OR WARRANTIES THAT YOUR ACCESS TO AND USE OF OUR WEBSITE WILL BE UNINTERRUPTED OR ERROR-FREE, FREE OF VIRUSES, MALICIOUS CODE, OR OTHER HARMFUL COMPONENTS, OR OTHERWISE WILL BE SECURE. SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OF CERTAIN WARRANTIES. ACCORDINGLY, SOME OF THE ABOVE EXCLUSIONS MAY NOT APPLY TO YOU.
7. Limitation of Liability TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW AND NOTWITHSTANDING ANY OTHER PROVISION OF THIS AGREEMENT, IN NO EVENT SHALL FA2 OR ANY OF ITS AFFILIATES OR SUPPLIERS (INCLUDING ANY OF ITS OR THEIR PARTNERS, OFFICERS, EMPLOYEES, AGENTS, CONTRACTORS, SUCCESSORS, OR ASSIGNEES) BE LIABLE TO YOU (INCLUDING ANY OF YOUR PARTNERS, OFFICERS, EMPLOYEES, AGENTS, CONTRACTORS, SUCCESSORS, OR ASSIGNEES) FOR ANY INDIRECT, SPECIAL, INCIDENTAL, EXEMPLARY, PUNITIVE, OR CONSEQUENTIAL DAMAGES, WHETHER ARISING IN CONTRACT, EQUITY, NEGLIGENCE, INTENDED CONDUCT, TORT, OR OTHERWISE (INCLUDING BREACH OF WARRANTY NEGLIGENCE, AND STRICT LIABILITY IN TORT), INCLUDING WITHOUT LIMITATION, ANY ERRORS OR OMISSIONS IN THE CONTENT OF THIS WEBSITE, FOR YOUR ACTION OR INACTION IN CONNECTION WITH THIS WEBSITE, FOR ANY DAMAGE TO YOUR COMPUTER OR DATA, ANY DAMAGES ASSOCIATED WITH THE LOSS OF YOUR PERSONAL INFORMATION OR ANY OTHER DAMAGE OR ECONOMIC LOSS YOU MAY INCUR ENSUING FROM OR IN CONNECTION WITH (A) THE WEBSITE; OR (B) YOUR SUBMISSION OF PERSONAL OR OTHER INFORMATION THROUGH THE WEBSITE, EVEN IF FA2 OR ANY OF ITS AFFILIATES OR SUPPLIERS HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. THESE LIMITATIONS SHALL APPLY NOTWITHSTANDING THE FAILURE OF THE ESSENTIAL PURPOSE OF ANY LIMITED REMEDY. DESPITE THE FOREGOING LIMITATION LIABILITY FOR DAMAGES, IF A COURT OR OTHER TRIBUNAL OF COMPETENT JURISDICTION DECIDES TO AWARD MONETARY DAMAGES TO YOU FOR ANY CLAIM OR CAUSE OF ACTION ARISING FROM THE SAME, THE AMOUNT OF MONETARY DAMAGES FOR SUCH CLAIM OR CAUSE OF ACTION SHALL BE NO GREATER THAN THE AMOUNT YOU PAID TO FA2 FOR SERVICES IN THE LAST SIX MONTHS.
8. General
8.1 Modifications
At any time and at FA2’s sole discretion, we may add, delete, or modify the Agreement or our Website. Should you deem any such addition, deletion, or modification to the Agreement unacceptable, you shall stop accessing, and/or using our Website. All changes to the Agreement shall be effective immediately.
8.2 Dispute Resolution, Applicable Law and Venue
FA2 intends to resolve any and all disputes that may arise between it and its Website users in a cost-effective and non-disruptive manner, preferably without the time and expense of litigation. Toward this end, you agree to the following dispute resolution procedure. If you are unable to resolve any dispute in the ordinary course of business, you shall send a written notice to FA2 in which you outline the issues in dispute, enclose any relevant documents, and state the requested relief. FA2 shall respond within ten (10) business days with identical information from its perspective. You and a representative of FA2 shall meet or communicate electronically within ten (10) business days of the delivery of the response, and as often as you and FA2 mutually deem necessary or desirable thereafter, in an attempt to resolve the matter. If, within sixty (60) days of the first communication, you and FA2 fail to resolve the matter, you may then proceed to litigation in the forum described below.
Any action related to this Agreement will be governed by the laws of the Commonwealth of Massachusetts, without regard to the choice or conflicts of law provisions of any jurisdiction. You and FA2 agree and consent that jurisdiction, proper venue, and the most convenient forums for all claims, actions, and proceedings of any kind relating to our Website or to the Agreement will be exclusively in the federal or state courts located in Boston, Massachusetts.
8.3 Miscellaneous
If any part of the Agreement is determined to be invalid or unenforceable pursuant to applicable law including, but not limited to, the warranty disclaimers and liability limitations set forth above, then the invalid or unenforceable provision will be deemed superseded by a valid, enforceable provision that most closely matches the intent of the original provision and the remainder of the Agreement shall continue in effect.
No action arising out of this Agreement or your access to or use of our Website, regardless of form or the basis of the claim, may be brought by you more than one (1) year after the cause of action has arisen (or if multiple causes, from the date the first such cause arose) and you hereby waive any longer statute of limitations that may be permitted by law.
8.4 Contacting Us
If you have any questions about this agreement, please call email us at info@fidem-financial.com, or write us at:
Legal Department
FA2 Advisors, LLC
855 Boylston Street
Boston, Massachusetts 02116 USA
Although FA2 will in most circumstances be able to receive your e-mail or other information provided through this Website, FA2 does not guarantee that it will receive all such e-mail or other information timely and accurately and shall not be legally obligated to read, act on or respond to any such e-mail or other information. Be aware that Internet e-mail typically is not secure.
8.5 Investment/Performance Disclaimer:
PAST PERFORMANCE IS NOT INDICATIVE OF FUTURE RESULTS. No representation is being made that any investment or transaction will or is likely to achieve profits or losses similar to those achieved in the past, or that significant losses will be avoided. The investment return and principal value of an investment may fluctuate. The Website could contain forward-looking statements from time to time, which reflect our current views with respect to, among other things, the operations and performance of our investments. You can identify these forward-looking statements by the use of words such as “outlook,” “believe,” “expect,” “potential,” “continue,” “may,” “should,” “seek,” “approximately,” “predict,” “intend,” “will,” “plan,” “estimate,” “anticipate” or the negative version of these words or other comparable words. Forward-looking statements are subject to various risks and uncertainties. Accordingly, there are or will be important factors that could cause actual outcomes or results to differ materially from those indicated in these statements. We undertake no obligation to publicly update or review any forward-looking statement, whether as a result of new information, future developments or otherwise. Any transactions described on the Website as having been engaged in by FA2 Advisors, LLC or any of its affiliates are included as representative transactions for illustrative purposes only and may not be representative of all transactions engaged in by FA2 Advisors, LLC or any of its affiliates.
Last modified: February 22, 2021
Introduction
FA2 Advisors, LLC, (”Company” or “We”) respect your privacy and are committed to protecting it through our compliance with this policy.
This policy describes the types of information we may collect from you or that you may provide when you visit the website (our “Website”) and our practices for collecting, using, maintaining, protecting, and disclosing that information.
This policy applies to information we collect:
It does not apply to information collected by:
Please read this policy carefully to understand our policies and practices regarding your information and how we will treat it. If you do not agree with our policies and practices, your choice is not to use our Website. By accessing or using this Website, you agree to this privacy policy. This policy may change from time to time. Your continued use of this Website after we make changes is deemed to be acceptance of those changes, so please check the policy periodically for updates.
Information We Collect About You and How We Collect It
We may collect several types of information from and about users of our Website, including information:
We collect this information:
Information We Collect Through Automatic Data Collection Technologies
As you navigate through and interact with our Website, we may use automatic data collection technologies to collect certain information about your equipment, browsing actions, and patterns, including:
The information we collect automatically is statistical data and does not include personal information, but we may maintain it or associate it with personal information we collect in other ways or receive from third parties. It helps us to improve our Website and to deliver a better and more personalized service, by enabling us to:
Cookies (or browser cookies). A cookie is a small file placed on the hard drive of your computer. You may refuse to accept browser cookies by activating the appropriate setting on your browser. However, if you select this setting you may be unable to access certain parts of our Website.
We do not collect personal information automatically, but we may tie this information to personal information about you that we collect from other sources or you provide to us.
How We Use Your Information
We use information that we collect about you or that you provide to us, including any personal information:
Disclosure of Your Information
We may disclose aggregated information about our users without restriction.
We may disclose personal information that we collect or you provide as described in this privacy policy:
To contractors, service providers, and other third parties we use to support our business and who are bound by contractual obligations to keep personal information confidential and use it only for the purposes for which we disclose it to them.
We may also disclose your personal information:
Choices About How We Use and Disclose Your Information
We strive to provide you with choices regarding the personal information you provide to us. We have created mechanisms to provide you with the following control over your information:
Data Security
We have implemented measures designed to secure your personal information from accidental loss and from unauthorized access, use, alteration, and disclosure. All information you provide to us is stored behind firewalls. Unfortunately, the transmission of information via the internet is not completely secure. Although we do our best to protect your personal information, we cannot guarantee the security of your personal information transmitted to our Website. Any transmission of personal information is at your own risk. We are not responsible for circumvention of any privacy settings or security measures contained on the Website.
Changes to Our Privacy Policy
It is our policy to post any changes we make to our privacy policy on this page. If we make material changes to how we treat our users’ personal information, we will notify you by email to the primary email address specified in your account and/or through a notice on the Website home page. The date the privacy policy was last revised is identified at the top of the page. You are responsible for ensuring we have an up-to-date active and deliverable email address for you, and for periodically visiting our Website and this privacy policy to check for any changes.
Contact Information
To ask questions or comment about this privacy policy and our privacy practices, contact us at:
FA2 ADVISORS, LLC
855 Boylston Street
Boston, MA 02116
info@fidem-financial.com