Hi, I’m Allison, Your loan expert
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If you did not receive an offer from a specific Lending Partner, they may not have been able to determine whether you qualified for a personal loan based on the information you provided. No credit decision has been made. You may still qualify for a personal loan from our partners.
All rates, fees, and terms are presented without guarantee and are subject to change pursuant to each provider’s discretion and may not be available in all states or for all types of loans. There is no guarantee you will be approved or qualify for the advertised rates, fees, or terms presented. This website does not include all lending companies or all available lending offers that may be available to you.
Representative Example: If you borrow $5,000 on a 36 month repayment term and at a 10% APR, the monthly repayment will be $161.34. Total repayment will be $5,808.24. Total interest paid will be $808.24.
Annual Percentage Rate (APR) Disclosure: The Annual Percentage Rate is the rate at which your loan accrues interest. Interest rates range from 7.99% to 35.99%. It is based upon the amount of your loan, the cost of the loan, term of the loan, repayment amounts and timing of payments and payoff. By law, the lender or lending partner must show you the APR before you enter into the loan. States have laws that may limit the APR that the lender or lending partner can charge you. Rates will vary based on your credit worthiness, loan size, amongst other variables, with the lowest rates available to customers with excellent credit. Minimum and maximum loan amounts and APRs may vary according to state law and lender or lending partner. We recommend that you read the lender’s and/or lending partner’s personal terms and conditions in full before proceeding for any loan.
Reserve My Loan (“RML” or “Reserve”) is a for-profit advertising network. We receive compensation, in the form of referral fees, from the lenders and / or lending partners, or other offers that we direct you to. Therefore, the offer order may be based on conversion probability, compensation from our partners, and other factors. The offer you receive may be coming from the company that bid the most for your information. RML does not always provide you with an offer with the best rates or terms. Our website does not include all the companies or all available offers. We encourage you to research all available loans options for your situation.
Representative Example: If you borrow $5,000 on a 36 month repayment term and at a 10% APR, the monthly repayment will be $161.34. Total repayment will be $5,808.24. Total interest paid will be $808.24.
Annual Percentage Rate (APR) Disclosure: **** The Annual Percentage Rate is the rate at which your loan accrues interest. It is based upon the amount of your loan, the cost of the loan, term of the loan, repayment amounts and timing of payments and payoff. By law, the lender or lending partner must show you the APR before you enter into the loan. States have laws that may limit the APR that the lender or lending partner can charge you. Rates will vary based on your credit worthiness, loan size, amongst other variables, with the lowest rates available to customers with excellent credit. Minimum and maximum loan amounts and APRs may vary according to state law and lender or lending partner. We recommend that you read the lender’s and/or lending partner’s personal terms and conditions in full before proceeding for any loan.
All rates, fees, and terms are presented without guarantee and are subject to change pursuant to each provider’s discretion and may not be available in all states or for all types of loans. There is no guarantee you will be approved or qualify for the advertised rates, fees, or terms presented. This website does not include all lending companies or all available lending offers that may be available to you.
If you did not receive an offer from a specific Lending Partner, they may not have been able to determine whether you qualified for a personal loan based on the information you provided. No credit decision has been made. You may still qualify for a personal loan from our partners.
Introduction:
Our mission at www.reserve.com (“Reserve My Loan”) is to connect you with our marketplace of third party lenders, financial service providers, debt relief providers, aggregators, direct mail marketers, and email marketers (“Service Providers”).
To assist us in carrying out our mission, we collect and process certain information you provide us. We work hard to be good stewards of your information. This Privacy Policy is meant to help you understand what information we collect, why we collect it, and how you can update, manage, export, and delete your information.
This Privacy Policy applies to information we collect on the Reserve My Loan website located at www.reserve.com.
General traffic, site usage, browser information, length-of-stay information, and location data is collected and stored in log files. This type of information is collected and shared on an anonymous, aggregated basis meaning that we do not connect this information to your name or other personal information.
We collect all or some of the following personal information: first and last name, phone number, email address, cell phone number, date of birth, age, military affiliation, educational background, mailing address, employer, work phone number, driver’s license, social security number, and zip code in the following contexts:
When you request service through our Loan Request form, we also collect your bank name, bank account type, bank account number, bank routing number, months at your bank, pay dates, loan request amount, loan purpose, monthly income, pay period, primary source of income, the total amount of your debt and the type of debt (i.e. credit card debt, personal loan debt), information about your estimated credit score, income source and amount, employment information, and information about asset ownership.
We collect information from the following categories of sources:
We may combine personal information we collect from you with other information about you that we receive from third party sources. Service Providers that purchase your information may also supplement your personal information with other information about you that they obtained from other sources.
We use anonymous and aggregated information to operate, develop and improve our services.
We process your personal information for the legitimate interest of connecting you with a Service Provider. We may use your financial information for the purpose of connecting you with a Service Provider.
By submitting your contact information to us, you are expressly consenting to be contacted by us or by one or more Service Providers by telephone, email, text message, or postal mail. Your information may be going to an aggregator or marketer and not a lender, financial service provider, or debt relief provider. Your information can be sold multiple times leading to multiple offers from lenders, financial service providers, debt relief providers, aggregators, and other marketers.
In addition, we may share some or all of your information with third party marketers and list managers with whom we have a business relationship, and these third-party marketers and list managers may use your personal information to communicate with you about other marketing or business offers via telephone, email, direct mail, text message (std. text message rates may apply), or other channels.
We may also use or disclose your information where we conclude that we are required by law or have a good faith belief that access, preservation or disclosure of such information is reasonably necessary to protect the rights, property or safety of Next Day Personal Loans, its users or the public.
Processing your information for the purposes described is necessary for us to do what we do and it’s in both our interests. When we use your information based on our legitimate interests, we conduct a balancing test based on the legitimate interest, necessity of processing your information, and how such processing impacts you.
If you have any questions or concerns with us processing your information for this legitimate interest, please contact us.
We’ll ask for your consent before using your information for a purpose that extends beyond what you may reasonably expect from a company offering referrals to a marketplace of lenders, financial service providers, or debt relief providers and that has a more significant privacy impact.
Reserve My Loan works with trusted vendors in the following categories to help fulfill our mission and process your information for the purposes described: call center services, delivering email, and storing data. We will only provide those companies the information they need to deliver the service, and they are contractually prohibited from using that information for any other purpose.
As we continue to develop our business, we may buy or sell businesses or assets. In such transactions, confidential customer information generally is one of the transferred business assets. In the event of a transaction involving the sale of some or all of Reserve My Loan businesses, customer and site visitor information may be one of the transferred assets and may be disclosed in connection with negotiations relating to a proposed transaction. In such case, the transferred information may become subject to a different privacy policy.
To provide services free of charge, we may display advertisements. By accessing or using this Website, you expressly agree to receive these advertisements. These advertisers may use their own tracking technologies, including cookies, to collect information about you and other users of this website who view or interact with their advertisements. Please be advised that when you click on an advertiser’s advertisement on our website, you may be redirected to a different website operated by that advertiser or that advertiser’s marketing partner. The information practices of those third-party websites are not covered by this policy. You should review the privacy statements and terms of use of all third-party websites you access.
As part of offering and providing customizable and personalized services, we use cookies and other online tracking technologies to store and sometimes track information about you to:
The types of technologies we use include:
A cookie is a small amount of data that is sent to your browser from a Web server and stored on your computer’s hard drive. Cookies enable us to identify your browser as a unique user. Cookies may involve the transmission of information from us to you and from you to us. Cookies may also be used by another party on our behalf to transfer information to us in accordance with their privacy policy. Some cookies are “persistent cookies”. They are used by us each time you access our website. Other cookies are called “session cookies”. Session cookies are used only during a specific browsing session. We may use a session cookie, for example, to remember that you have already navigated through a particular menu. We may also use “analytics cookies” that allow web analytics services to recognize your browser or device and, for example, identify whether you have visited our website before, what you have previously viewed or clicked on, and how you found us. This information is provided anonymously for statistical analysis only. Analytics cookies are usually persistent cookies.
You may disable browser cookies in your browser or set your browser to warn you when a cookie is being sent. You may lose some features or functionality when you disable cookies. Remember, also, that disabling cookies is browser specific. If you log on using Microsoft Edge, you must also disable cookies in Safari if you use that browser at a different time.
“Log files” track actions occurring on our websites and collect data including your IP address, browser type, internet service provider, referring/exit pages, and date/time stamps.
“Web beacons,” “tags,” and “pixels” are electronic files used to record information about how you browse the site. You cannot disable web beacons or pixel tags and they are not visible when browsing.
You have the right to have your personal information corrected and/or erased. You may contact us to request access to, correct, or delete any personal information that you have provided to us. Please note, we may not accommodate a request to change information if we believe the change would violate any law or legal requirement or cause the information to be incorrect.
You may have heard about “Do Not Track” (DNT), which is a privacy preference that users can set in their web browsers. Our website does not support DNT codes.
We have appropriate security measures in place to prevent personal information from being accidentally lost or used or accessed in an unauthorized way. We limit access to your personal information to those employees and Service Providers who have a genuine business need to know it to provide you with lending, financial services, debt relief services, or other marketing offers. Those processing your information will do so only in an authorized manner and are subject to a duty of confidentiality.
We keep your information only so long as we need it to provide the service you’ve requested and to fulfill the purposes described in this policy. Because people who purchase or download resources from Next Day Personal Loans are often interested in other solutions and resources, we keep your information on file to enable you to receive such resources. If you subscribe to our mailing list, we keep your contact information on file until you instruct us to remove it. If you unsubscribe from an email list or opt-out of email communications, we keep your email address on our opt-out list.
This website is not intended for use by individuals under the age of 18. We are in compliance with the requirements of the Children’s Online Privacy Protection Act (COPPA) and we do not knowingly collect any information from anyone under 13 years of age. Our website and services are directed to people who are at least 18 years of age and older. When notified of a user who is not over the age of 18, we will take immediate remedial measures to remove that individual from our user database.
This Privacy Notice for California Residents supplements the information contained in above in our general privacy policy and applies solely to all visitors, users, and others who reside in the State of California.
The California Consumer Privacy Act (“CCPA”) grants State of California residents the following rights, to:
The California Consumer Privacy Act (“CCPA”) grants State of California residents the following rights, to:
We collect information that identifies you, your household or your device or is reasonably capable of being connected with or linked to you, your household, or your device (“Personal Information”). Personal information does not include public information available from government records, de-identified or aggregated information or information that is protected by certain laws such as HIPAA for health-related information and the Gramm-Leach Bliley Act (GLBA) for certain financial information.
We collect the following categories of Personal Information:
We collect information from the following categories of sources:
We share information in each of the above categories as follows:
See “What We Do with the Information We Collect” above to learn how we use your information. We will not collect additional categories of personal information or use the personal information we collected for materially different, unrelated, or incompatible purposes without providing you notice.
We retain your personal information for as long as necessary to fulfill the purpose(s) for which we collected it and to comply with applicable laws. We use reasonable security precautions to protect your information while in storage.
You have the right to request that we disclose certain information to you about our collection and use of your personal information over the past 12 months. Once we receive and confirm your verifiable consumer request, we will disclose to you:
You have the right to request that we delete any of your personal information that we collected from you and retained, subject to certain exceptions. Once we receive and confirm your verifiable consumer request, we will delete (and direct our service providers to delete) your personal information from our records, unless an exception applies.
We may deny your deletion request if retaining the information is necessary for us or our service provider(s) to:
To request this information please submit a verifiable consumer request to us by either:
Only you, or someone legally authorized to act on your behalf, may make a verifiable consumer request related to your personal information. To designate an authorized agent, Contacting us at the Contact Us Form on our website and we will provide you with a form to make a designated agent request.
You may only make a verifiable consumer request for access or data portability twice within a 12-month period. To make a request, you must:
We cannot respond to your request or provide you with personal information if we cannot verify your identity or authority to make the request and confirm the personal information relates to you. We will only use personal information provided in a verifiable consumer request to verify the requestor’s identity or authority to make the request.
We will try to respond to your request within forty-five (45) days of when we receive it. If we require more time (up to 90 days), we will inform you of the reason and extension period in writing. We will deliver our written response by mail or electronically, at your option. Any disclosures we provide will only cover the 12-month period preceding the verifiable consumer request’s receipt. The response we provide will also explain the reasons we cannot comply with a request, if applicable. For data portability requests, we will select a format to provide your personal information that is readily useable and should allow you to transmit the information from one entity to another entity without hindrance, specifically by electronic mail communication.
We do not charge a fee to process or respond to your verifiable consumer request unless it is excessive, repetitive, or manifestly unfounded. If we determine that the request warrants a fee, we will tell you why we made that decision and provide you with a cost estimate before completing your request.
We will not discriminate against you for exercising any of your CCPA rights. Unless permitted by the CCPA, we will not:
However, we may offer you certain financial incentives permitted by the CCPA that can result in different prices, rates, or quality levels. Any CCPA-permitted financial incentive we offer will reasonably relate to your personal information’s value and contain written terms that describe the program’s material aspects. Participation in a financial incentive program requires your prior opt in consent, which you may revoke at any time.
California’s “Shine the Light” law (Civil Code Section § 1798.83) permits users of our Website that are California residents to request certain information regarding our disclosure of personal information to third parties for their direct marketing purposes. To make such a request, please contact us at the Contact Us Form on our website. Please make sure to state that you are a California resident.
Nevada law (SB 220), permits customers in Nevada to opt-out of the sale of certain kinds of personal information. A sale under Nevada law is the transfer of this personal information to third parties for monetary consideration so these third parties can then re-sell or license the sold information. If you are a Nevada resident and wish to opt-out of the sale of your personal information, you must send a request by contacting us at the Contact Us Form on our website. Please make sure to state that you are a Nevada resident.
We may change this policy from time to time and if we do, we’ll post any changes on this page. If you continue to use our website after those changes are in effect, you will agree to the new policy. If the changes are significant, we may provide more prominent notice or get your consent, as required by law.
With your consent, we may send push notifications or alerts to your web browser or your mobile device. These notifications may include marketing messages from us or from third parties. You can deactivate these messages at any time by changing the notification settings on your mobile device or browser.
If you have any questions about this policy or need to contact the Company to exercise your privacy rights, please contact Search ROI’s Privacy Officer at: contact us or by mail at Pennie Mgmt LLC, 251 Little Falls Drive, Wilmington, Delaware 19808
ARBITRATION NOTICE: THESE TERMS OF SERVICE CONTAIN AN ARBITRATION CLAUSE. SEE DISPUTE RESOLUTION; GOVERNING LAW BELOW FOR DETAILS.
BY COMPLETING AND SUBMITTING A LOAN REQUEST TO BE CONNECTED WITH A LENDER AND/OR LENDING PARTNER THROUGH THE WWW.RESERVE.COM WEBSITE (THE “SITE”), YOU AGREE TO THE TERMS AND CONDITIONS OF THIS AGREEMENT AS WELL AS THE PRIVACY POLICY POSTED TO THIS SITE, WHICH IS INCORPORATED INTO THIS AGREEMENT BY REFERENCE. AS SUCH, YOU MUST READ THIS AGREEMENT AND THE PRIVACY POLICY BEFORE COMPLETING AND SUBMITTING YOUR LOAN REQUEST. IF YOU DO NOT AGREE WITH THESE TERMS OF SERVICE AND THE PRIVACY POLICY, YOU ARE NOT GRANTED PERMISSION TO ACCESS OR OTHERWISE USE OUR LOAN CONNECTING SERVICE.
The terms and conditions stated in this Terms of Service Agreement (“Agreement”) govern your use of the WWW.RESERVE.COM loan connecting service (“Service”), as made available through the Site. Before downloading, accessing, or using any part of the Service, you should carefully review the following Agreement. We provide the Service to you only on the condition that you accept and agree to all of the terms and conditions stated in this Agreement. This Agreement will take effect at the moment you submit your Loan Request Form (“Loan Request Form”, “Loan Request”, “Request Form”, or “Form”) to be connected with one or more lenders and/or lending partners participating in our marketplace (“Marketplace Participants”), and/or begin downloading, accessing, or using the Service, whichever is earliest.
All references herein to “we” mean PENNIE MGMT, LCC d/b/a WWW.RESERVE.COM including its successors and assigns, which operates the Site and the Service. All references herein to “Individual” or “you” refer to any user of this Site and the Service. WWW.RESERVE.COM IS NOT A LENDER AND/OR LENDING PARTNER, DOES NOT BROKER LOANS, AND DOES NOT MAKE CASH ADVANCES OR CREDIT DECISIONS. THIS SITE DOES NOT CONSTITUTE AN OFFER OR SOLICITATION TO LEND. WE WILL SHARE YOUR LOAN REQUEST INFORMATION WITH ONE OR MORE MARKETPLACE PARTICIPANTS. WE DO NOT GUARANTEE THAT YOU WILL BE CONNECTED WITH A LENDER AND/OR LENDING PARTNER; ANY PARTICULAR LOAN PROGRAM; THAT YOU WILL RECEIVE A LOAN. WE DO NOT GUARANTEE THAT THE PRICE, PRODUCT, AVAILABILITY, RATES, FEES, OR ANY OTHER LOAN TERMS OFFERED AND MADE AVAILABLE BY MARKETPLACE PARTICIPANTS THROUGH THIS SERVICE ARE THE BEST TERMS AVAILABLE IN THE MARKET. NOT ALL MARKETPLACE PARTICIPANTS PARTICIPATING IN THIS SERVICE CAN PROVIDE YOUR REQUESTED LOAN AMOUNT OR THE MOST FAVORABLE REPAYMENT TERMS. YOU ARE PROVIDING EXPRESS WRITTEN CONSENT UNDER THE FAIR CREDIT REPORTING ACT FOR OUR LENDERS AND/OR LENDING PARTNERS WITH WHOM YOU ARE CONNECTED TO OBTAIN YOUR CONSUMER CREDIT REPORT FROM YOUR CREDIT PROFILE OR OTHER INFORMATION FROM CONTRACTED CREDIT BUREAU(S) ASSOCIATED WITH YOUR PRE-QUALIFICATION FOR CREDIT INQUIRY. 1. Eligibility Requirements. You must be at least 18 years of age (or the age of majority in your state of residence) to set up an Account. If you provide any false, inaccurate, untrue, or incomplete information in your Loan Request Form, we may immediately terminate your access to and use of the Service. It is your responsibility to keep the confidentiality of any username(s) and password(s) associated with your Loan Request Form. THE SERVICE IS NOT AVAILABLE TO RESIDENTS OF CONNECTICUT, NEW HAMPSHIRE, WASHINGTON & VERMONT OR TO ACTIVE MEMBERS OF THE MILITARY.
2. Loan Request Process. The Service attempts to connect Individuals who complete and submit a Loan Request with one or more Marketplace Participants. To use the Service, you must complete and submit the information requested in the Loan Request Form, which information may include (by way of example and not limitation) your name, street address, telephone number, date of birth, banking account information, desired loan amount, social security number, employment information, and any other information requested at the time of collection. Alimony, child support, or separate maintenance income need not be disclosed unless relied upon for credit. You represent and warrant that the information you provide to us through your Loan Request Form is accurate and truthful. If you do not provide such information in such manner, we reserve the right to deny, suspend, or terminate Service. We reserve the right to refuse to provide the Service to you, in our sole discretion, with or without cause.
By submitting your loan request you are providing written consent under the Fair Credit Reporting Act to PENNIE MGMT, LCC and its Marketplace participants and agree that (a) you are submitting an inquiry to us about loan products offered by Marketplace Participants, (b) we will share some or all of your loan request information with Marketplace Participants, consistent with the terms of our Privacy Policy, and (c) your consent allows Marketplace Participants to review, verify, and research your information in real-time or otherwise for pre-qualification purposes and to determine whether you may qualify to receive a loan from them, including by verifying your social security number, reviewing your information against nation databases of consumer financial transaction information, performing a credit check with TransUnion, Experian, and Equifax, and/or taking any other steps necessary to make a decision on whether to extend credit or advance cash. List of Marketplace Participants – PENNIE MGMT LLC CONSENT FOR ELECTRONIC SIGNATURES, RECORDS, AND DISCLOSURES (“E-Consent”) Please read this information carefully and print a copy and/or retain this information for future reference.
Introduction. You are submitting a request to be connected with one of our Marketplace Participants. In order to offer you a loan, the Marketplace Participants need your consent to use and accept electronic signatures, records, and disclosures (“E-Consent”). This form notifies you of your rights when receiving electronic disclosures, notices, and information. By clicking on the link assenting to our terms, you acknowledge that you received this E-Consent and that you consent to conduct transactions using electronic signatures, electronic disclosures, electronic records, and electronic contract documents (“Disclosures”).
Option for Paper or Non-Electronic Records. You may request any Disclosures in paper copy by contacting the Marketplace Participants directly. The lenders and/or lending partners will retain all Disclosures as applicable law requires.
Scope of Consent. This E-Consent applies to all interactions online concerning you and the Marketplace Participants and includes those interactions engaged in on any mobile device, including phones, smart-phones, and tablets. By exercising this E-Consent, the Marketplace Participants may process your information and interact during all online interactions with you electronically. The Marketplace Participants may also send you notices electronically related to its interactions and transactions. Disclosures may be provided online at our or Marketplace Participants’ websites, and may be provided by e-mail.
Consenting to Do Business Electronically. Before you decide to do business electronically with the Marketplace Participants, you should consider whether you have the required hardware and software capabilities described below.
Hardware and Software Requirements. To access and retain the Disclosures electronically, you will need to use the following computer software and hardware: A PC or MAC compatible computer or other device capable of accessing the Internet, access to an e-mail account, and an Internet Browser software program that supports at least 128 bit encryption, such as Microsoft® Internet Explorer, Netscape® or Mozilla Firefox®. To read some documents, you may need a PDF file reader like Adobe® Acrobat Reader X ® or Foxit®. You will need a printer or a long-term storage device, such as your computer’s disk drive, to retain a copy of the Disclosures for future reference. You may send any questions regarding the hardware and software requirements directly to the Marketplace Participants.
Withdrawing Consent. Your E-Consent for our connecting service and for our Marketplace Participants’ consideration of your connecting request cannot be withdrawn because it is a one-time transaction. If you are connected with one or more Marketplace Participants, you are free to withdraw your E-Consent with them at any time and at no charge. However, if you withdraw this E-Consent before receiving credit, you may be prevented from obtaining credit from the Marketplace Participant. Contact the Marketplace Participant directly if you wish to withdraw this E-Consent. If you decide to withdraw this E-Consent, the legal effectiveness, validity, and enforceability of prior electronic Disclosures will not be affected.
Change to Your Contact Information. You should keep Marketplace Participants informed of any change in your electronic address or mailing address. You may update such information by logging into the Marketplace Participants’ website or by sending the Marketplace Participants a written update by mail.
YOUR ABILITY TO ACCESS DISCLOSURES. BY CLICKING THE LINK, YOU ASSENT TO OUR TERMS. YOU ACKNOWLEDGE THAT YOU CAN ACCESS THE DISCLOSURES IN THE DESIGNATED FORMATS DESCRIBED ABOVE.
CONSENT. BY CLICKING THE LINK, YOU ASSENT TO THE TERMS. YOU ACKNOWLEDGE YOU HAVE READ THIS INFORMATION ABOUT ELECTRONIC SIGNATURES, RECORDS, DISCLOSURES, AND DOING BUSINESS ELECTRONICALLY. YOU CONSENT TO USING ELECTRONIC SIGNATURES, HAVING ALL DISCLOSURES PROVIDED OR MADE AVAILABLE TO YOU IN ELECTRONIC FORM AND TO DOING BUSINESS WITH THE MARKETPLACE PARTICIPANT ELECTRONICALLY. YOU ACKNOWLEDGE THAT YOU MAY REQUEST A PAPER COPY OF THE ELECTRONIC RECORDS AND DISCLOSURES, WHICH WILL BE PROVIDED TO YOU AT NO CHARGE. IF YOU REFRAIN FROM PROCEEDING THEN YOU NEITHER WISH TO USE ELECTRONIC SIGNATURES NOR CONDUCT THIS TRANSACTION ELECTRONICALLY. YOU ALSO ACKNOWLEDGE THAT YOUR CONSENT TO ELECTRONIC DISCLOSURES IS REQUIRED TO RECEIVE SERVICES FROM MARKETPLACE PARTICIPANTS OVER THE INTERNET. Under the federal E-SIGN Act and related state laws, with your consent, we can deliver such required information to you electronically and can use electronic records and electronic signatures in connection with your transactions with Marketplace Participants in our network. If you do not want to receive the required information electronically, or do not want to use electronic signatures in connection with your transactions with the Marketplace Participants, you should not agree to the terms of this agreement. If you do not consent to receiving the required information electronically, or do not consent to the use of electronic signatures in connection with your transactions with Marketplace Participants in our network, we will not be able to proceed with you.
3. Information Review Process. If one or more Marketplace Participants review your Loan Request information and determine that you meet its loan qualification criteria, we will provide you the name(s) and contact information of the Marketplace Participant(s) or redirect your browser to their website. Once we connect you with a Marketplace Participant in either manner, we have no further involvement in the Loan Request Form or approval process. Your subsequent interactions with them are subject to their privacy policies, terms of use, and other policies or terms enforced by that Marketplace Participant. In addition, Marketplace Participants who review your information may contact you at a later time to offer their products and services to you.
I expressly authorize the Marketplace Participant I am connected with to share among its affiliates, loan servicers, and bank partners any transaction history related to my financial products or services received or serviced through the Marketplace Participant for the purpose of evaluating me for credit.
We are not responsible for any failure or delay in providing the Service caused by errors, inaccuracies, or falsity in any of the Loan Request Form information provided by your or by any technical problems beyond our reasonable control. We are not an agent of you or any Marketplace Participant. We are not involved with the Marketplace Participant’s review and/or use of your Loan Request information or in making a determination about whether you meet a particular Marketplace Participant’s loan qualification criteria. We do not recommend or endorse the products of any particular Marketplace Participant. The Marketplace Participant is solely responsible for its services to you, and you agree that we shall not be liable for any damages or costs of any type arising out of or in any way connected with your use of the Service. You understand that Marketplace Participant may keep your Loan Request information for their own business and marketing purposes, whether or not you qualify for a loan with them.
4. License. This Agreement provides to you a personal, revocable, limited, non-exclusive, royalty-free, non-transferable license to use this Site conditioned on your continued compliance with the terms and conditions of this Agreement. Notwithstanding the foregoing, you may not modify, translate, decompile, create derivative work(s) of, copy, distribute, disassemble, broadcast, transmit, publish, remove or alter any proprietary notices or labels, license, sublicense, transfer, sell, mirror, frame, exploit, rent, lease, private label, grant a security interest in, or otherwise use in any manner not expressly permitted herein the Site. Moreover, you may not (i) use any “deep link,” “page scrape,” “robot,” “spider,” or other automatic device, program, script, algorithm, or methodology, or any similar or equivalent manual process, to access, acquire, copy, or monitor any portion of this Site or in any way reproduce or circumvent the navigational structure or presentation of this Site to obtain or attempt to obtain any materials, documents, or information through any means not purposely made available through the Site, (ii) attempt to gain unauthorized access to any portion or feature of this Site, including, without limitation, the account of another Individual or any other systems or networks connected to this Site or to any of our servers or to any of the services offered on or through the Site, by hacking, password “mining,” or any other illegitimate or prohibited means, (iii) probe, scan, or test the vulnerability of this Site or any network connected to the Site, nor breach the security or authentication measures on this Site or any network connected to the Site, (iv) reverse look-up, trace, or seek to trace any information on any other User of or visitor to the Site, (v) take any action that imposes an unreasonable or disproportionately large load on the infrastructure of this Site or our systems or networks or any systems or networks connected to the Site, (vi) use any device, software, or routine to interfere with the proper working of this Site or any transaction conducted on the Site, or with any other person’s use of the Site, (vii) forge headers, impersonate a person, or otherwise manipulate identifiers in order to disguise your identity or the origin of any message or transmittal you send to us on or through the Site, (viii) use the Site to harvest or collect e-mail addresses or other contact information; or (ix) use this Site in an unlawful manner or in a manner that could damage, disparage, or otherwise negatively impact us. WITHOUT LIMITING THE GENERALITY OF THE FOREGOING, COPYING OR REPRODUCING ANY SERVICES, PROGRAMS, PRODUCTS, INFORMATION, OR MATERIALS PROVIDED BY US TO ANY OTHER SERVER OR LOCATION FOR FURTHER REPRODUCTION OR REDISTRIBUTION IS EXPRESSLY PROHIBITED.
5. Disclaimer Of Warranties, Release, And Limitation Of Liability. THE SERVICE AND SITE AND ALL INFORMATION, PROGRAMS, SOFTWARE, AND MATERIALS PROVIDED THEREIN (COLLECTIVELY, “SERVICE INFORMATION”) ARE PROVIDED ON AN “AS-IS” AND “AS AVAILABLE” BASIS AND MAY INCLUDE ERRORS, OMISSIONS, OR OTHER INACCURACIES. MOREOVER, WE MAY MAKE MODIFICATIONS AND/OR CHANGES IN THE SERVICE INFORMATION AT ANY TIME AND FOR ANY REASON. YOU ASSUME THE SOLE RISK OF MAKING USE OF AND/OR RELYING ON THE SERVICE INFORMATION. WE AND OUR PARENT, LICENSORS, SUBSIDIARIES, ADVERTISERS, MARKETPLACE PARTICIPANTS AND AFFILIATES MAKE NO REPRESENTATIONS OR WARRANTIES ABOUT THE SUITABILITY, COMPLETENESS, TIMELINESS, RELIABILITY, LEGALITY, OR ACCURACY OF THE SERVICE INFORMATION FOR ANY PURPOSE, AND EXPRESSLY DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING, WITHOUT LIMITATION, ANY WARRANTY OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT OR ANY OTHER IMPLIED WARRANTY. WE MAKE NO REPRESENTATION OR WARRANTY THAT THE SERVICE WILL OPERATE ERROR FREE OR IN AN UNINTERRUPTED FASHION OR THAT ANY FILES OR INFORMATION THAT YOU ACCESS FROM THE SERVICE WILL BE FREE OF VIRUSES OR CONTAMINATION OR DESTRUCTIVE FEATURES. Some jurisdictions do not allow the disclaimer of certain warranties or conditions or the limitation or exclusion of liability for loss or damage caused by negligence, breach of contract or breach of implied terms, or incidental or consequential damages. Accordingly, only the limitations which are lawful in your jurisdiction will apply to you and our liability will be limited to the maximum extent permitted by law. You expressly absolve and release us and our Marketplace Participants from any claim of harm resulting from a cause beyond our or our Marketplace Participants’ control, including, but not limited to, failure of electronic or mechanical equipment or communication lines, telephone or other connection problems, computer viruses, unauthorized access, theft, operator errors, severe weather, earthquakes, or natural disasters, strikes, or other labor problems, wars, or governmental restrictions. YOU EXPRESSLY UNDERSTAND AND AGREE THAT WE AND OUR PARENT, LICENSORS, SUBSIDIARIES, ADVERTISERS, MARKETPLACE PARTICIPANTS AND AFFILIATES OR ANY OF OUR OR THEIR OFFICERS, DIRECTORS, AGENTS, EMPLOYEES, SUCCESSORS, ASSIGNS, OR SERVICE PROVIDERS SHALL NOT BE LIABLE TO YOU FOR: (A) ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL OR EXEMPLARY DAMAGES WHICH MAY BE INCURRED BY YOU, HOWEVER CAUSED AND UNDER ANY THEORY OF LIABILITY, ARISING OUT OF OR IN ANY WAY CONNECTED TO THE USE OF THIS SITE, THE SERVICE, OR ANY INFORMATION, SOFTWARE, PRODUCTS, AND SERVICES OBTAINED THROUGH THE SITE, WHETHER RESULTING IN WHOLE OR IN PART FROM BREACH OF CONTRACT, TORTIOUS BEHAVIOR, NEGLIGENCE, STRICT LIABILITY, OR OTHERWISE, EVEN IF WE OR OUR MARKETPLACE PARTICIPANTS HAVE BEEN ADVISED OF THE POSSIBILITY OF DAMAGE. Because some jurisdictions do not allow the exclusion or limitation of liability for consequential or incidental damages, the above limitation may not apply. You hereby agree to indemnify and hold us harmless against any claims made by you or your successors arising out of or related to any violation of federal, state or local laws relating to any loan that you receive through the Service or your interactions with any Marketplace Participants with whom you were connected through the Service.
6. Termination. We may temporarily or permanently stop providing the Service (or any features within the Service) to you, or terminate this Agreement, at any time if (a) you have breached any provision of this Agreement, (b) we are required to do so by law, (c) we believe, in our sole discretion, that you have committed fraud with respect to your access to and use of the Service, (d) the Marketplace Participants or other business partner with whom we offer the Service to you has terminated its relationship with us, (e) the provision of the Service to you by us is, in our sole opinion, no longer commercially viable, or (f) we are no longer providing the Service to customers in the jurisdiction in which you reside or from which you use the Service. Termination is effective without notice.
7. Governing Law; Dispute Resolution. You agree that: (1) Any claim, dispute, or controversy (whether in contract, tort, or otherwise) arising out of, relating to, or connected in any way with the website or the services provided on the website will be resolved exclusively by final and binding arbitration conducted pursuant to the American Arbitration Association (“AAA”) Consumer Arbitration Rules (if and as applicable depending on the amount in controversy); (2) This arbitration agreement is made pursuant to a transaction governed by the Federal Arbitration Act (“FAA”), 9 U.S.C. §§ 1-16; (3) The arbitration will be held in your county of residence; (4) The arbitrator’s decision will be controlled by the terms and conditions of this Agreement; (5) The arbitrator will apply Florida law consistent with the FAA and applicable statutes of limitations and will honor claims of privilege recognized at law; (6) There will be no authority for any claims to be arbitrated on a class or representative basis; arbitration can decide only your individual claims and the arbitrator may not consolidate or join the claims of other persons or parties who may be similarly situated; (7) The arbitrator will not have the power to award punitive, consequential or exemplary damages against any party; (8) In the event that the administrative fees and deposits you are required to pay under the AAA rules exceed $125, and you are unable to pay the additional fees and deposits, Company retains the right to forward them to the AAA on the your behalf, subject to ultimate allocation by the arbitrator. In addition, if you are able to demonstrate that the costs of arbitration will be prohibitive as compared to the costs of litigation, Company retains the right to pay as much of your filing and hearing fees in connection with the arbitration as the arbitrator deems necessary to prevent the arbitration from being cost-prohibitive; and (9) If any part of this Arbitration Provision is deemed to be invalid or otherwise unenforceable or illegal, the balance of this Arbitration Provision will remain in full force and effect and will be construed in accordance with its terms as if the invalid or illegal provision were not contained herein. The FAA applies to any disputes over arbitrability or the enforcement of this clause. THESE TERMS PROVIDE THAT ALL DISPUTES BETWEEN YOU AND US WILL BE RESOLVED BY BINDING ARBITRATION. THUS, YOU GIVE UP YOUR RIGHT TO GO TO COURT TO ASSERT OR DEFEND YOUR RIGHTS. YOU ALSO GIVE UP YOUR RIGHT TO PARTICIPATE IN OR BRING CLASS ACTIONS. YOUR RIGHTS WILL BE DETERMINED BY A NEUTRAL ARBITRATOR AND NOT A JUDGE OR JURY. THE INFORMATION PROVIDED IN THIS AGREEMENT IS NOT INTENDED TO CONTAIN A COMPLETE EXPLANATION OF THE CONSEQUENCES OF ARBITRATION. You may opt out of this arbitration agreement by providing notice to us by US Mail sent to: 251 Little Falls Drive, Wilmington, Delaware 19808 no later than 30 calendar days from the date you accept these Terms of Service. To opt out, you must send notice in a letter that includes the subject line: “Arbitration Opt Out” along with your full name and the email address you used when consenting to the Terms of Service.
8. Miscellaneous. This Agreement, including the Privacy Policy which is incorporated herein, constitutes the entire agreement between you and us with respect to your use of the Service. No waiver by either party of any breach or default hereunder is a waiver of any preceding or subsequent breach or default. Section headlines are for reference purposes only and in no way define, limit, construe or describe the scope or extent of such section. Our failure to act with respect to a breach by you or others does not waive our right to act with respect to subsequent or similar breaches. If any provision of this Agreement is held invalid by a court of competent jurisdiction, such invalidity shall not affect the enforceability of any other provisions contained in this Agreement and the remaining portions of this Agreement shall continue in full force and effect. You agree that this Agreement and all agreements and notices incorporated herein may be automatically assigned by us, in our sole discretion, to a third party. You may not assign your obligations to any other person or entity.