Terms and Conditions

WEBSITE TERMS OF USE:

We extend credit and referral services across North America. Your access and use of this Website are contingent upon your acceptance of these terms of use ("Terms of Use"). These terms, along with our privacy policy ("Privacy Policy"), create a binding agreement between you and us, whether you're a visitor, customer, or in any other capacity.

These Terms of Use, as currently presented and as updated from time to time, incorporate our Privacy Policy. By using the Website, submitting an application, or accessing its content, you acknowledge and consent to these terms.

We retain the right to revise and update these Terms of Use, either with or without notice. It's advisable to periodically review the posted terms on the Website. Continued use or access after changes will imply your acceptance.

Your use of the Website should respect its security and not disrupt system resources, services, or networks connected to or accessible through it. The Website is intended for lawful purposes; any misuse is prohibited.

Jurisdiction and Age

If you reside in a jurisdiction that imposes age-related restrictions on internet-based applications or the ability to enter agreements, and if you fall under the specified age limit, you are not permitted to engage in this agreement or utilize the Website and its related services. We do not knowingly gather or request Personal Information from individuals under 18 years of age. If you are under 18, please refrain from attempting to register for Services or sharing any Personal Information with us. Should we discover that we have inadvertently collected Personal Information from a minor under 18, we will promptly delete that data. If you suspect that a child under 18 has shared Personal Information with us, please get in touch. If we determine that you are underage or your use of the Website (or its related services) is inappropriate, your profile may be deleted, and access to these Terms of Use terminated without prior notice.

Privacy

We are dedicated to upholding the privacy of individuals' personal information with whom we engage. Our Privacy Policy outlines our policies, practices, and how we manage the collection, utilization, and disclosure of your personal data. Please refer to our Privacy Policy for detailed information.

If you intend to use our services for applying for a specific service through our website, you will be requested to provide consent for the collection, utilization, and disclosure of the personal information you provide. This consent is crucial to facilitate the provision of these services.

You acknowledge and agree that the Website (and its related services) is accessible and usable over the Internet. Consequently, your information, including personal data, may be transferred internationally, stored, or processed in any country worldwide.

Consent, Communication, Services Paid & Financial Products and Services

If you choose to apply for a loan or any other credit-related product or service through this website, you are giving your consent to us, our affiliated entities, affiliated brands, parent companies, related entities, related brands (collectively referred to as the "related affiliates"), and/or our third-party business affiliates to collect, use, and/or disclose the personal information you provide. This information will be used to verify your financial status and assess your initial and ongoing eligibility for the mentioned credit products and services. By agreeing to this, you are also consenting to being contacted by us, our related affiliates, and/or our third-party business affiliates through methods such as SMS, email, postal mail, telephone (including voicemail), or digital messaging to facilitate the provision of these products and services.

Furthermore, you are also acknowledging your agreement to allow us, our related affiliates, and/or our third-party business affiliates to conduct a credit check on you based on the information you have supplied. This credit check will be carried out to verify your financial situation and confirm your eligibility for the specified products and services.

Further Consent to our TCPA Terms

By using this website, you are granting your consent to receive both informational and marketing communications and messages from us and/or our service providers, partners, affiliates, or third parties (collectively referred to as "Partners") regarding legal services. These communications may be delivered by a live agent, artificial, automated, or pre-recorded voice, as well as through email and Short Message Service ("SMS") text messages. They will be directed to your provided residence, mobile, or other phone number, using the contact information you have previously supplied or may provide in the future (of which you confirm ownership, subscription, or regular usage). This communication approach encompasses both manual dialing and automated telephone dialing systems. It's important to note that standard message and data rates may be applicable to SMS messages.

Your consent extends even if your Contact Info is listed on our, or our Partners', Do Not Call / Do Not Email List, a State or National Do Not Call Registry, or any other form of Do Not Contact List. You agree to receiving calls from us or our Partners at the phone number you have associated with this consent on our webform. In the event that you cease using a specific phone number or email address provided to us, you agree to promptly inform us of this change. It's essential to understand that granting consent for contact, as outlined in this paragraph, is not obligatory for purchasing services, and you acknowledge that you have the option to withdraw this consent at any time. To revoke this consent, you can send an email to [email protected].

Additionally, you acknowledge and accept the possibility of an automated message or an artificial or prerecorded voice being played when the telephone call is answered, regardless of whether the call is picked up by you or another party.

You acknowledge and provide your consent for us and/or one or more of our Partners to engage in the listening, recording, and retention of call recordings between us, our Partners, and you. This practice serves quality assurance and other lawful purposes, as permitted by applicable laws. No additional notice will be given for such activities.

Furthermore, you agree to and acknowledge that we may share, sell, re-sell, or market your personal data to one or more Partner(s), potentially resulting in compensation for us or our Partners. Your consent empowers us and our Partners to utilize this data for various objectives, including but not limited to re-targeting, marketing, analytics, enhancing products and services, and improving the overall user experience. This may involve disclosing your data to third-party service providers, their brokers, service providers, or Partners. You explicitly consent to being contacted by us, our agents, representatives, affiliates, third parties, Partners, or any entity reaching out for purposes directly connected to your inquiry with us. This encompasses inquiries related to the product or service for which you are applying, as well as any other product or service that we or our Partners consider potentially suitable for you, based on the information you have submitted to us or our Partners.

Your consent extends to the utilization of analytic and marketing tools that leverage your data, incorporating Artificial Intelligence-based software and technology. Moreover, you grant us permission to employ technology capable of tracking your consent and capturing screenshots, along with your IP address or any other relevant digital traces or evidence. These measures serve to document and validate your journey through our web funnel(s) and application(s) as evidence of your granted consent.

Our services may encompass sending SMS messages, which could involve delivering up to five messages per day to your wireless device. We might utilize your information to reach out to you regarding your details, purchases, Website updates, surveys, or communications of an informational and service-oriented nature. This includes important security updates. If you wish to discontinue receiving these messages, you can opt out at any time by responding with "STOP" to the received SMS message. Once you send the message "STOP," we will respond with an SMS message confirming your successful unsubscription. Following this confirmation, you will no longer receive SMS messages from us. If you decide to rejoin, you can simply sign up as you did initially, and we will resume sending SMS messages to you. For assistance, please respond to a text with "HELP."

Please note that standard message and data rates may apply, depending on your cell phone plan. Carriers are not responsible for messages that are delayed or undelivered. Alternatively, if you prefer, you can submit a request to cease SMS message delivery by emailing us. In your email, please include the email address and phone number that you used for registration.

Additionally, your consent is granted for us and/or one or more of our Partners to conduct a credit check on you based on the information you have provided.

User Accounts

When it's necessary to create an account for utilizing aspects of the Website (or any associated services), you must finalize the registration process by furnishing accurate and comprehensive information as requested on the registration form. During this process, you will be prompted to select a username and password.

In cases where we offer the option for you to choose your own username(s) in connection with the Website (or its related services), we will make reasonable efforts to assign the requested name(s) to you upon your request. However, it's important to note that we retain the right to decline any name selection that (i) has already been allocated, or (ii) we determine, at our sole discretion, to be offensive, in violation of applicable laws, an attempt to impersonate another individual, or likely to interfere with, violate, exploit, or infringe upon the rights of another. In instances where a requested name is rejected, we may, at our sole discretion, offer an alternative name, request you to choose another name, or decide not to proceed further.

You acknowledge your responsibility for maintaining the confidentiality of your chosen username and password. We and any of our partners, affiliates, officers, directors, employees, consultants, agents, and representatives will not be held liable for any losses incurred due to unauthorized use of your login credentials or the theft, loss, or misappropriation of your username or password.

Using the account, username, or password of another individual is strictly prohibited unless you have explicit authorization from both the other user and us. Should you become aware of any unauthorized use, theft, or misappropriation of your account, username, or password, you agree to promptly inform us. We shall not be held responsible for any losses resulting from the unauthorized usage of your username or password, whether conducted with or without your knowledge.

You acknowledge and agree that you bear responsibility for any and all access, use, or engagement with the Website (and its related services) that occurs in conjunction with your passwords and user identifications. Furthermore, we are authorized to treat the user identifications and passwords as conclusive evidence that you have accessed, utilized, or engaged with the Website (or any of its related services).

Restrictions on Use of the Website

Your use of the Website must strictly adhere to lawful purposes and be in alignment with these Terms. It is agreed that you shall not employ the Website in the following ways:

In any manner that contravenes applicable federal, state, local, or international laws or regulations, including those concerning data or software export to and from the US or other countries.
• With the intention of exploiting, causing harm to, or attempting to exploit or harm minors, whether by exposing them to unsuitable content, soliciting personally identifiable information, or through any other means.
To transmit or solicit the transmission of any advertising or promotional material without our prior written consent, including but not limited to "junk mail," "chain letters," "spam," or any similar form of solicitation.
To impersonate or make an attempt to impersonate us, our personnel, another user, or any other individual or entity, which includes the usage of email addresses or screen names linked with any of the aforementioned.
In any manner that could potentially disable, overload, damage, or impair the functioning of the Website or disrupt any third party's utilization of the Website, including their ability to engage in real-time activities on the platform.
To engage in any form of conduct that curtails or hampers the usage or enjoyment of the Website by any individual, or which, as determined by us, might inflict harm upon us or the Website's users, potentially exposing them to legal liabilities.

You are prohibited from engaging in the following activities in relation to the Website:

Employing any robot, spider, or automated mechanism to access the Website, whether for monitoring or replicating any of the Website's content.
Utilizing any device, software, or routine that hampers the seamless functioning of the Website.
Introducing any form of malicious or technologically harmful material, such as viruses, Trojan horses, worms, logic bombs, or similar entities.
Making any unauthorized attempts to access, interfere with, damage, or disrupt any segments of the Website, the server hosting the Website, or any interconnected server, computer, or database.
Launching attacks against the Website, including denial-of-service attacks or distributed denial-of-service attacks.
Undertaking any other efforts to disrupt the proper operation of the Website.

User Feedback; Third-Party Social Media Postings

Upon submitting any ideas or suggestions to us, whether through our Website, social media platforms, other digital channels, Google, review sites, or any other means, in connection with enhancing the Website or Services (collectively referred to as "Feedback"), you hereby acknowledge and agree that such Feedback will be considered our property. By doing so, you are also consenting to assign to us, without compensation or additional notice, all rights, title, and interest, including intellectual property and moral rights, associated with the Feedback. We shall possess unrestricted rights to utilize the Feedback for any purpose, whether commercial or otherwise, without any obligation to compensate you or provide further notification. Please note that no obligations of confidentiality shall apply to the Feedback, and we will not be held accountable for any utilization or disclosure of the Feedback.

Cooperation with Law Enforcement and Government Agencies; Required Disclosures

You recognize that we possess the authority to thoroughly investigate and prosecute any breaches of these Terms, encompassing violations related to intellectual property, privacy rights, publicity, and website security matters, to the maximum extent allowable by law. In pursuing such actions, we reserve the right to collaborate and engage with law enforcement entities to bring legal action against users who contravene these Terms. While we hold no obligation to constantly monitor your access to the Website or the Services, we retain the prerogative to do so. This monitoring might be conducted to manage the operation of the Website, ascertain your adherence to these Terms, or satisfy legal requirements, court orders, administrative mandates, or requests from governmental or regulatory bodies.

You acknowledge and consent to the potential disclosure of your personal information if mandated by law, a court order, legal proceedings, or a subpoena. This includes instances where we must respond to governmental or regulatory inquiries. Should such circumstances arise, we will strive to provide you with reasonable notice and the opportunity to seek protective measures (at your expense), if permissible. Furthermore, we may take such action if we deem it necessary to: (a) comply with legal obligations, address legal processes served upon us, investigate or prevent potential unlawful activities; (b) uphold these Terms (including billing and collection matters), mitigate liability, safeguard against third-party claims, support government enforcement agencies, or fortify the security and integrity of our Website; or (c) protect the rights, assets, or well-being of us, our users, or any other parties involved.

Security of Website

You commit not to engage in, nor allow any third party to engage in, the unauthorized entry of restricted sections within our computer systems or undertake actions that fall outside the scope of authorization as stipulated by these Terms of Use. We hold the authority, without prior notification, to temporarily suspend your access to the Website (as well as any of its affiliated services), which may encompass specific sections housed within the Website. This suspension could involve deactivating passwords or internet links if we possess a reasonable belief that you, or any other parties, are gaining unauthorized access to our other systems or information, or are employing valid user credentials or passwords in an unauthorized manner. The duration of these suspensions will be determined by us based on a reasonable assessment of the necessary time for a comprehensive investigation into the suspended activity.

Intellectual Property

The content on the Website, including how it's organized and presented (referred to as "Materials"), is owned by our site and its licensors, and may be safeguarded by intellectual property laws, encompassing copyright, trademarks, trade names, internet domain names, and similar rights.

You are permitted to use and reproduce the Materials exclusively for your personal, non-commercial purposes, as long as the Materials remain unaltered, and copyright along with other intellectual property notices remain intact. Generating derivative works from or exploiting the Materials in any manner is prohibited. Unless you have a separate agreement with us, any use of these Materials beyond what's mentioned above requires written permission from us.

Currency of website

We regularly refresh the information on the Website. Nevertheless, we cannot assure or assume responsibility for the accuracy, current status, or comprehensiveness of the information found on the Website. We hold the right to amend, enhance, or remove information, services, and/or resources within the Website, and retain the authority to do so without prior notice to prior, present, or potential visitors.

Linked websites

The Website might offer links to third-party websites solely for your convenience. The presence of these links does not indicate our monitoring or endorsement of these websites. We do not assume any responsibility for such external websites. We are not accountable or responsible, either directly or indirectly, for any damage or loss purportedly caused by or related to the utilization of or reliance on any information, content, products, or services accessible through third-party websites or linked resources.

Internet Viruses

Owing to potential technical challenges with the Internet, issues with Internet software or transmission could result in inaccurate or incomplete reproductions of the information found on the Website. We disclaim any responsibility or liability for software, computer viruses, or any other harmful or disruptive files or programs that might corrupt or negatively affect your computer equipment or other belongings due to your interaction with the Website, your use of it, or your downloading of any Materials from the Website. We suggest that you install suitable anti-virus or protective software.

Website and Materials Provided "As Is"

THE WEBSITE AND THE MATERIALS ARE OFFERED "AS IS," "AS AVAILABLE," AND "WITH ALL FAULTS," WITHOUT ANY FORM OF REPRESENTATION, WARRANTY, OR CONDITION, WHETHER EXPRESS OR IMPLIED. WE CLEARLY DISCLAIM ALL WARRANTIES, INCLUDING IMPLIED REPRESENTATIONS, WARRANTIES, OR CONDITIONS OF MERCHANTABILITY, FITNESS FOR A SPECIFIC PURPOSE, TITLE, AND NON-INFRINGEMENT. WE DO NOT ASSERT OR GUARANTEE THAT THE WEBSITE OR THE MATERIALS WILL SATISFY YOUR NEEDS OR THAT THEIR USAGE WILL BE CONTINUOUS OR FREE FROM ERRORS.

Limitation of liability

YOU BEAR ALL RESPONSIBILITY AND RISK FOR THE USE OF THE WEBSITE AND THE MATERIALS, INCLUDING ANY INFORMATION CONTAINED THEREIN.

UNDER NO CIRCUMSTANCES SHALL WE, OUR DIRECTORS, OFFICERS, EMPLOYEES, SHAREHOLDERS, PARTNERS, OR AGENTS BE LIABLE FOR ANY INCIDENTAL, INDIRECT, PUNITIVE, EXEMPLARY, OR CONSEQUENTIAL DAMAGES OF ANY KIND (INCLUDING DAMAGES FOR LOSS OF PROFITS, INTERRUPTION, LOSS OF BUSINESS INFORMATION, OR ANY OTHER FINANCIAL LOSS) ARISING FROM ANY CLAIM, LOSS, DAMAGE, ACTION, SUIT, OR OTHER PROCEEDING RESULTING FROM OR RELATED TO THESE TERMS OF USE. THIS INCLUDES YOUR USE OF, RELIANCE ON, ACCESS TO, OR UTILIZATION OF THE WEBSITE, THE MATERIALS, OR ANY PART THEREOF, OR ANY RIGHTS GRANTED TO YOU HEREUNDER. THIS APPLIES EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. SUCH ACTIONS MAY ARISE FROM CONTRACT, TORT (INCLUDING NEGLIGENCE), INFRINGEMENT OF INTELLECTUAL PROPERTY RIGHTS, OR OTHER LEGAL GROUNDS.

IN ANY EVENT, OUR TOTAL MAXIMUM AGGREGATE LIABILITY UNDER THESE TERMS OF USE OR THE USE OR EXPLOITATION OF ANY OR ALL PARTS OF THE WEBSITE OR THE MATERIALS SHALL BE CAPPED AT ONE HUNDRED ($100.00) DOLLARS.

CERTAIN JURISDICTIONS MAY NOT ALLOW FOR THE LIMITATION OR EXCLUSION OF LIABILITY FOR INCIDENTAL OR CONSEQUENTIAL DAMAGES. AS A RESULT, THE AFOREMENTIONED LIMITATION OR EXCLUSION MAY NOT BE APPLICABLE TO YOU.

Indemnification

You agree to hold us, along with our officers, directors, managers, employees, partners, affiliates, and service providers, harmless from any claims or liability that arise from or are connected to any breach of these Terms of Use by you or anyone acting on your behalf.

Contact us

If you opt to email us, please be aware that the Internet is not a secure medium, and any communication sent via email could be lost, intercepted, or modified. We are not responsible for any damages arising from communications to or from us. In regard to any information you provide to us, you acknowledge that:

We hold no obligation regarding such information.
The information is not confidential.
We may utilize, disclose, distribute, or reproduce the information and may incorporate any ideas, concepts, or expertise contained in the information, in accordance with our Privacy Policy.
The information is accurate, and its disclosure does not infringe upon the legal rights of others.

Applicable law

Upon accessing the Website, you acknowledge and consent that all matters concerning access or usage of the Website will be subject to the laws of the United States, without regard to conflicts of laws principles.

Disputes; Resolution

Time Constraint: Any claim or legal action against us must be initiated within a period of twelve (12) months from the occurrence of the underlying cause; otherwise, such claim or action will be permanently prohibited.

MANDATORY BINDING ARBITRATION

Dispute Resolution: Except as outlined in the section titled "Exemptions from Agreement to Arbitrate," in the event of any dispute, claim, question, or disagreement arising from or connected to the Terms or their violation, or the use of the Website or our services, both parties will make reasonable efforts to settle the matter. The parties will engage in consultative and good faith negotiations, aiming to arrive at a fair and equitable solution that satisfies both parties' interests. If a resolution isn't achieved within thirty (30) days, either party may provide notice to the other, triggering binding arbitration in accordance with the Commercial Rules ("Rules") of the International Arbitration Association (the "IAA"), subject to the terms below. This arbitration agreement is enforceable under the prevailing law of any relevant jurisdiction. Notice of arbitration must be filed in writing with the other party and the IAA. Such notice must be filed within a reasonable timeframe after the dispute arises, and not beyond the date when legal proceedings based on the dispute would be barred by applicable statutes of limitations.

The parties concur that a single arbitrator will preside over the dispute. The arbitrator will be chosen through mutual agreement of the parties, or by IAA selection if an agreement isn't reached within twenty (20) days of the notice of arbitration. The arbitrator's decision will be rendered in writing and deemed final. It may be entered as judgment in any court with jurisdiction, and subject only to vacation, modification, or appeal as allowed by relevant law, as agreed by the parties. The expenses, including arbitrator fees and IAA charges, will be shared equally by both parties.

The arbitrator holds no authority to award attorney's fees, punitive damages, or any monetary relief beyond the prevailing party's actual damages. Each party expressly waives any claim to such relief. The award may include equitable remedies. The arbitrator will ensure that all decisions align with the Terms. The arbitrator may provide a summary judgment on all or some issues, provided the responding party has a fair opportunity to respond.

The parties agree to maintain the confidentiality of all arbitration-related matters as per the IAA Rules. Prior to permissible disclosure under the Rules, a party shall notify the other party in writing, offering a reasonable chance to protect their interests. Additionally, the arbitrator's award may be entered in a court of competent jurisdiction.

Exceptions to Agreement to Arbitrate

Both you and we acknowledge the option to bypass arbitration and directly pursue resolution through the court system for disputes concerning: (a) intellectual property matters such as trademarks, trade dress, domain names, trade secrets, copyrights, or patents owned by you or us, or (b) instances where you have violated our intellectual property rights.

Class Action Waiver

All efforts to resolve or litigate disputes in any forum shall be exclusively pursued on an individual level. You and we mutually agree not to pursue any dispute as a class action or through any process where either party acts or intends to act as a representative for others. Each party hereby renounces the right to assert combined claims in relation to any disputes governed by arbitration under these Terms or any conflicts between the parties. No arbitration or proceeding will be consolidated with another without the prior written agreement of all parties involved in the relevant arbitrations or proceedings.

Waiver of Jury Trial

Each party irrevocably and unconditionally waives any right we or you may have to a trial by jury for any legal action arising out of or relating to these Terms or the transactions contemplated hereby.

Assignment

You are prohibited from transferring, conveying, or assigning (referred to collectively as "assign" or its variations) these Terms, whether in part or in full, without obtaining our prior written consent, which we may grant or deny at our sole discretion. Any attempt to assign in violation of these Terms will be null and void. We retain the freedom to assign these Terms at our discretion without prior notice. Despite the above, these Terms will remain binding and beneficial to the authorized successors and assignees of each party. We maintain the right, and you hereby provide your consent, to reveal, transfer, and/or assign your personal information in connection with actions such as mergers, consolidations, restructurings, sales, financings, or other transactions, as well as pursuant to court proceedings. Additionally, if a potential buyer expresses interest in acquiring us, you agree that we may confidentially share your personal information with the potential buyer, subject to the usage limitations outlined in these Terms.

General

Our failure to insist on or enforce strict adherence to any provision within these Terms of Use should not be interpreted as a waiver of that provision or right.

In the event that any provision or portion of these Terms of Use is deemed entirely or partially unenforceable, the parties, or if mutual agreement is unattainable, a court of competent jurisdiction, shall establish a valid provision or provisions, or portion thereof, that closely mirrors the intentions of the unenforceable provision or part.

Both parties have stipulated that these Terms of Use and all associated documents be composed in the English language.

Communications

Upon creating a user account or providing us with any contact or relevant information, you hereby agree and provide consent to receive communications via mail and electronic means (including email, text/SMS, and telephone) from us. These communications may also be made available on the Website, such as through notices posted on your account profile page, and pertain to information and/or our services (collectively referred to as "Communications"). For users holding an account, Communications may include those mandated by law, such as notifications about data security incidents, pertaining to us, your account, your information, the Website, or the Services ("Required Communications"). Additionally, Communications may include those we send to you for other purposes. If you wish to modify the email or mobile phone number associated with your account, you can do so by accessing your account profile page or by reaching out to us directly. You have the option to decline all Communications, except Required Communications, via email by providing us with a notice that includes your full name, user name, and email address. However, by opting out, you will no longer receive any further electronic notifications from us (excluding Required Communications), which could encompass important notices or announcements.

Contact Us

Feel free to contact us at: [email protected]