Effective date: 01/01/2020
The Company is not a lender, nor does it represent any financial organization/entity, originate financial products and services or make credit decisions. The Company operates as a search and connecting service, as it contracts with a network of independent third party lenders and financial organizations that can provide credit products. Thus, the Company can connect the Users of the Website with the lenders from its network. In order to get access the services provided by the Company the User of the Website needs to complete the online registration form.
The use of the Website is available only for the residents on the USA of legal age. By continuous use of the Website You confirm that You are at least 18 years old and reside in the US. The services provided on the Website are not available for the residents of some states, including, but not limited to Arkansas, New York, West Virginia and Vermont due to specific regulations regarding short-term lending in these locations. The list of states is subject to changes. Please, check the status of Your state on Rates and Fees page using the links to authority Websites, which contain the recent and up to date information regarding online personal lending in the USA.
As mentioned above the Company is not a lender and does not make credit decisions, rather connects its Users with independent third party lenders, who can provide the Users with personal loans of up to $3,000 (the amount of available loans depend on the regulations in each state). Since the Company has nothing to do with the credit decisions third party lenders make, the decision to approve Your request, as well as the amount and terms of the offered loan products are exclusively made by loan providers and depend in each individual case on many factors. The Company cannot guarantee that Your attempt to get connected with a lender will result in the approval of Your request, or that You will be offered the desired amount on the desired terms. Not all the lenders in our network can provide loans of up to $3,000.
We encourage every User of the Website who has doubts about any particular loan offer or personal lending in general to seek professional consult and support, as this form or lending is a relatively expensive form of credit and remains effective only if used reasonably. Keep in mind, that the Company has nothing to do with the terms of any particular loan offer or credit product, thus, takes no responsibilities for the decisions third parties make and cannot provide information regarding any particular credit operation.
Your SS number and other personal information can be used by third party lenders we contract and share Your information with in order to perform credit verification to determine Your credibility and make decisions on providing You with financial products and services You expressed Your interest in.
The Company cannot guarantee that You will be approved of or provided with the products tailored to Your requirements and/or provide any information on particular credit products and services presented by third party lenders we contract with. For any information regarding financial products and services or any particular transaction You should contact Your provider directly.
Authorized Use and Proprietary Rights
Company retains the impartible ownership rights for the content on the Website (including but not limited to digital records, videos, pictures, texts, logos, trademarks and other assets), which is protected by the copyright and regulated by the Intellectual Property laws in the United States. The Users of the Website are not granted the ownership of anything present on the Website. Any reproduction, duplication, resale, copying or other exploitation of the content, arrangement, organization, and design is considered illegal, and hence such actions are strictly prohibited.
Disclaimer of Warranties
Limitation of Liability
THE COMPANY IS NOT RESPONSIBLE FOR ANY DIRECT, INDIRECT, CONSEQUENTIAL, INCIDENTAL OR ANY OTHER FORM OF LOSS OR DAMAGE THAT YOU MAY BE SUBJECT TO DUE TO THE USE OF THE SITE AND THE SERVICES PROVIDED BY THIRD PARTY SERVICE PROVIDERS WHO HAVE CLAIMED THEMSELVES AS LENDERS AND CAN BE CONNECTED WITH UPON REQUEST. THE TOTAL LIABILITY OF THE COMPANY IN THE CASE OF ANY LOSS OR DAMAGE CAUSED TO YOU BY THE USE OF THE WEBSITE IS LIMITED TO THE EXTENT OF MONEY YOU HAVE PAID TO ACCESS OR USE THIS SITE.
SOME JURISDICTIONS DO NOT RECOGNIZE OR ALLOW THE EXCLUSION OF CERTAIN SPECIFIC WARRANTIES SUCH AS INCIDENTAL OR CONSEQUENTIAL DAMAGES, AND IN SUCH CASES, THE COMPANY WILL ADJUST OUR LIABILITY TO THE MAXIMUM EXTENT PERMITTED BY LAW.
Third Part Websites
The Website may contain links to third party websites and information regarding the services of these third parties. The Company in no way takes responsibility for the content of the third party websites and the accuracy of the information they provide, nor does the Company represents or endorses any of third party website it connects its Users with. The User of the Website accepts all the risks concerning their access to third party websites through the website and in no way claims the Company liable for the consequences associated with the use of third party websites they link via the Website.
The maximum compensatory damages, assigned by the arbitrator, authorized by the American Arbitration Council to monitor the dispute mentioned above, cannot exceed the maximum of the damages claimed by the complainant (the User). Additionally, no punitive, incidental and consequential damages can be awarded by the arbitrator on the dispute as You waive Your right on claiming responsibility for these damages as well. The results of the arbitration are binding for the User, however, the Company may choose to file an action to any court within the jurisdiction to handle such cases in lieu with this alternate dispute method.
The residents of these countries have no access to the services and products of the Website due to embargo conditions: Syria, Iran, North Korea, Cuba, Iraq, Libya, Sudan and any other country that US has embargoed goods and services. Additionally, the service and products of the Website are not available for the following category or Users: the ones who belong to United States Treasury Department's list of Specially Designated Individuals or US Commerce Department's Table of Denial Orders.
Modifications and Updates
Severability and Termination
The Company reserves its right at its sole discretion to terminate or deny of Your access to the Site in case of Your violation of any of the terms and regulations stated on the Site or applicable laws and regulations concerning the use of the Site. You may terminate the agreement at any time by ceasing the use of the Site, nonetheless upon termination the applicable provisions will survive.
In case You have a request, complaint or enquiry regarding the services provided by the Website, You can contact us via this email email@example.com or our contact address. In case You consider Your issue treated improperly, You can also contact the corresponding organizations in Your state of residence authorized to review or resolve the cases of the kind.