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Terms of Use

The following terms and conditions (the “Terms of Use”) govern your use of the services offered through Loans.org (collectively, the “Site”).  By using the Site, including choosing to link to a third party site to apply for a loan product, calling our toll free number, initiating a request for us to contact you by telephone, or any other means we might make available, you accept and agree to these Terms of Use.  If you do not agree to these Terms of Use, you are prohibited from using or accessing the Site.  The terms “we,” “us,” or “Loans.org” refer to Loans org, LLC and its subsidiaries and affiliates.

Our Service

Loans.org provides you the opportunity to learn about a variety of loan products from banks, lenders and other service providers. Once you provide us with certain information regarding financial situation and desired loan products, we attempt to match you with appropriate offerings and provide links to further information or to apply for a loan product. We are not a bank, credit union or lending institution, and hence, we do not make loans or accept applications ourselves, we do not make credit decisions, and we do not endorse or recommend any specific companies or lenders. While we publish content on the Site about various loan products and may discuss certain tax and financial considerations, we do not provide tax or financial advice of any kind. We do not guarantee that you will be approved for any of the loan products for which you apply, or that any lender or other service provider to which we link will review your application or contact you. We are not responsible in any way for the conduct of the lenders and other companies whose products may be displayed on the Site.  The loan product provided by any service provider will be subject the terms and conditions under which it issued, and we have no control over such terms and conditions.  While we make every attempt to publish current information regarding a variety of loan products, such information is presented without guarantee or warranty.  After selecting a link to a loan product, you will be taken to the lender or other service provider’s site where you can review the terms and conditions currently applicable to such third party.

Loans.org has financial relationships with some of the banks, lenders and other service providers presented on the Site, and we may be compensated if you choose to apply for certain loan products and other offers, and/or if you are approved for a loan.  You acknowledge that any fees charged by a bank, lender or other service provider will be your sole responsibility, and agree not to make any claim against Loans.org for such fees.

Accessing our Site

You may only use the Site if you live in the United States and are at least 18 years old. We reserve the right, for any reason, in our sole discretion, to terminate, change, suspend or discontinue any aspect of the Site. We may also impose limits on certain features of the Site or restrict your access to part of or the entire Site, without notice or penalty. Loans.org  does not charge users for use of the Site.

User Data; Consent to Contact

In the course of your use of the Site, you may be asked to provide information or materials to us (“User Data”). User Data includes, for example, information you submit to us via your application to receive lending offers.  Our information collection and use practices with respect to User Data are set forth in our Privacy Policy which is incorporated herein by reference for all purposes. Please read our Privacy Policy before submitting any User Data. You acknowledge and agree that you are solely responsible for the accuracy and content of the User Data. We cannot be responsible for maintaining any User Data that you provide to us, and we may delete or destroy any such User Data at any time. We reserve the right to refuse to post or to remove any User Data, in whole or in part, that, in our sole discretion, is unlawful, unacceptable, undesirable, inappropriate or in violation of these Terms of Use.

By providing your contact information to us through the Site, you are registering to receive electronic communications from us directly, on our website or through a third party.  You also agree that all agreements, notices, disclosures, and other communications that we provide to you electronically satisfy any legal requirement that such communications be in writing.  We will periodically send you newsletters and other e-mails with offers and promotions. We may also contact you by telephone using an automated dialing system along with a pre-recorded message or interactive voice response system.  If you no longer wish to receive these communications, please let us know by sending an email to our support staff at [email protected]. You may also opt-out by clicking on the unsubscribe link in our emails.

In addition, by choosing to link to an third party’s site to apply for a loan product through the Site, you consent to be contacted by the service providers in our network via email or telephone.  Once your information is submitted to these service providers, any request to opt-out or unsubscribe from their communications must be directed to such service providers.

Exclusive Ownership of Rights

The Site and any necessary software used in connection with the Site contain proprietary and confidential information that is protected by intellectual property laws in applicable jurisdictions. You acknowledge and agree that information and materials presented through the Site are protected by copyrights, trademarks, service marks, patents or other proprietary rights and laws. Except as expressly permitted by applicable law or as authorized by us, you agree not to modify, sell, distribute, transmit, broadcast, publicly perform or create derivative works based on the Site, in whole or in part.  Any commercial use of the Site, or any portion thereof, by you is strictly prohibited.

Loans.org grants you a personal, non-transferable and non-exclusive right and license to use the Site on a computer or other Internet device; provided that you do not (and do not allow any third party to) copy, reproduce, distribute, reverse engineer or otherwise exploit any content, code, data or materials on the Site. You agree not to modify the Site in any manner or form, nor to use modified versions of the Site for any purpose.  We do not grant any license or other authorization to any user to use our copyrighted material, trade names, trademarks, service marks or other marks or logos or those of our partners without our separate express written agreement.  Third party marks are the property of their respective owners

Users may post reviews, comments, and other content, and submit suggestions, ideas, comments, questions, or other information, so long as the content is not illegal, obscene, threatening, defamatory, invasive of privacy, infringing of intellectual property rights, or otherwise injurious to third parties or objectionable and does not consist of or contain software viruses, political campaigning, commercial solicitation, chain letters, mass mailings, or any form of “spam.” You may not use a false e-mail address, impersonate any person or entity, or otherwise mislead as to the origin of a comment or other content. Loans.org reserves the right (but not the obligation) to remove or edit such content, but does not regularly review posted content. If you do post content or submit material, and unless we indicate otherwise, you grant us a nonexclusive, royalty-free, perpetual, irrevocable, and fully sublicensable right to use, reproduce, modify, adapt, publish, translate, create derivative works from, distribute, and display such content throughout the world in any media. You grant Loans Org, LLC and its associates and sublicensees the right to use the name that you submit in connection with such content, if they choose. You represent and warrant that you own or otherwise control all of the rights to the content that you post: that the content is accurate: that use of the content you supply does not violate this policy and will not cause injury to any person or entity: and that you will indemnify us for all claims resulting from content you supply.  Loans.org takes no responsibility and assumes no liability for any content posted by you or any third party.

DISCLAIMER OF WARRANTIES

The information and services on this Site are provided “as is” and for informational purposes only. Loans.org makes no representations or warranties that the Site will be suitable for your needs, is accurate, complete, current, reliable, or free from errors, inaccuracies or typographical mistakes. Loans.org disclaims all warranties, express or implied, including warranties of merchantability or fitness for a particular purpose or non-infringement of the rights of others. We do not warrant that the Site will be free of errors or viruses, worms or other destructive or harmful code.

LIMITATION OF LIABILITY

IN NO EVENT SHALL LOANS.ORG OR ANY OF OUR DIRECTORS, OFFICERS, EMPLOYEES, AGENTS, AFFILIATES, OR CONTENT OR SERVICE PROVIDERS (COLLECTIVELY, THE “PROTECTED ENTITIES”) BE LIABLE FOR ANY DIRECT, INDIRECT, SPECIAL, INCIDENTAL, CONSEQUENTIAL, EXEMPLARY OR PUNITIVE DAMAGES ARISING FROM, OR DIRECTLY OR INDIRECTLY RELATED TO, THE USE OF, OR THE INABILITY TO USE, THE SITE AND THE SERVICES OFFERED HEREBY, OR THE CONTENT, MATERIALS AND FUNCTIONS RELATED THERETO, INCLUDING, WITHOUT LIMITATION, LOSS OF REVENUE, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. IN NO EVENT SHALL OUR TOTAL LIABILITY TO YOU FOR ALL DAMAGES, LOSSES, AND CAUSES OF ACTION (WHETHER IN CONTRACT, TORT (INCLUDING, BUT NOT LIMITED TO, NEGLIGENCE, OR OTHERWISE) EXCEED FIVE DOLLARS ($5.00).  THE ABOVE LIMITATION MAY NOT APPLY IN ALL JURISIDICTIONS OR TO ALL USERS.  IF YOU ARE NOT IN AGREEMENT WITH THE FOREGOING, YOUR SOLE REMEDY IS TO TERMINATE THIS AGREEMENT AND DISCONTINUE USE OF THE SITE.

Links from our Site

Loans.org provides links to other sites for informational purposes only.  We have no responsibility for the accuracy or availability of information provided by other sites to which you may link from the Site.  The availability of these links does not constitute an endorsement of or association with such sites or the content, products, advertising or other materials presented on such sites.  You acknowledge and agree that we are not responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with your use of or reliance on any content, goods or services available on such sites.

At Loans.org, we strive to provide you articles and information to help you make informed decisions.  To do so, we may provide advice, opinions and statements from various information providers, including our in-house authors.  However, Loans.org does not endorse the accuracy or reliability of any advice, opinion, calculations or other information presented by these information providers, or the applicability of such information, calculations or advice to any particular situation.  Your reliance on such information, calculations and advice is at your own risk.

Without limiting the foregoing, Loans.org does not provide information or advice with respect to Federal or state taxation, or the tax laws of any other jurisdiction.  Any tax information provided is purely for reference.  Each user should consult his or her own tax and financial advisors.

Updates

These Terms of Use are subject to change from time to time and at any time, and such changes will be effective upon posting to the Site.  Use of the Site following any modifications to the Terms of Use signifies your acceptance of such modifications.

Applicable Laws

The Site and these Terms of Use are governed by the laws of the State of California without giving effect to any principles of conflict of laws.  If any provision of these Terms of Use shall be held to be invalid, illegal or unenforceable, the remaining provisions shall not in any way be affected or impaired thereby.  Any dispute arising from your use of this Site shall be brought exclusively in the appropriate state or federal courts of the State of California.  Persons who choose to access this Site from other locations do so on their own initiative, and are responsible for compliance with local laws, if and to the extent local laws are applicable.  Regardless of any statute or law to the contrary, any claim or cause of action arising out of or related to use of the Site or the Terms of Use must be filed within one (1) year after such claim or cause of action arose or be forever barred.

Updated November 2012

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