TERMS OF SERVICE
PLEASE READ THESE WEBSITE TERMS OF SERVICE CAREFULLY BEFORE USING THIS WEBSITE (THE “WEBSITE”) OR USING OUR SERVICES. THESE WEBSITE TERMS OF SERVICE (THE “TERMS OF SERVICE”) GOVERN YOUR ACCESS TO AND USE OF THE WEBSITE AND OUR SERVICES. THE WEBSITE AND OUR SERVICES ARE AVAILABLE FOR YOUR USE ONLY ON THE CONDITION THAT YOU AGREE TO THE TERMS OF SERVICE SET FORTH BELOW. IF YOU DO NOT AGREE TO ALL OF THE TERMS OF SERVICE, DO NOT ACCESS OR USE THE WEBSITE OR USE OUR SERVICES. BY ACCESSING OR USING THE WEBSITE OR OUR SERVICES, YOU AND THE ENTITY YOU ARE AUTHORIZED TO REPRESENT (“YOU” OR “YOUR”) SIGNIFY YOUR AGREEMENT TO BE BOUND BY THE TERMS OF SERVICE.
1. User Eligibility
The Website and our services are provided by PersonalLoanGuarantee.com and available only to entities and persons over the age of legal majority who can form legally binding agreement(s) under applicable law. If You do not qualify, you are not permitted to use the Website or our services.
These Terms of Service govern Your use of the Website and all applications, software, and services (collectively, “Services”) available on and through the Website, except to the extent such Services are the subject of a separate agreement. Specific terms or agreements may apply to the use of certain Services and other items provided to You on the Website (“Service Agreement(s)”). Any such Service Agreements accompany the applicable Services or are listed in association with or through a hyperlink associated with the applicable Services. When you submit an inquiry, it is possible that a lender may pull your credit but only if you first give them permission.
3. Use License
Any and all intellectual property rights (“Intellectual Property”) associated with the Website and its contents (the “Content”) are the sole property of PersonalLoanGuarantee.com, its affiliates or third parties. The Content is protected by copyright and other laws in both the United States and other countries. Elements of the Website are also protected by trade dress, trade secret, unfair competition, and other laws and may not be copied or imitated in whole or in part. All custom graphics, icons, and other items that appear on the Website are trademarks, service marks or trade dress (“Marks”) of PersonalLoanGuarantee.com, its affiliates or other entities that have granted PersonalLoanGuarantee.com the right and license to use such Marks and may not be used or interfered with in any manner without the express written consent of PersonalLoanGuarantee.com. Except as otherwise expressly authorized by these Terms of Service, you may not copy, reproduce, modify, lease, loan, sell, create derivative works from, upload, transmit, or distribute the Intellectual Property of the Website in any way without PersonalLoanGuarantee.com’s or the appropriate third party’s prior written permission. Except as expressly provided herein, PersonalLoanGuarantee.com does not grant to you any express or implied rights to PersonalLoanGuarantee.com’s or any third party’s Intellectual Property.
PersonalLoanGuarantee.com grants you a limited, personal, non-transferable, non-sublicensable, revocable license to (a) access and use only the Website, Content and Services only in the manner presented by PersonalLoanGuarantee.com, and (b) access and use the PersonalLoanGuarantee.com computer and network services offered within the Website only in the manner expressly permitted by PersonalLoanGuarantee.com. Except for this limited license, PersonalLoanGuarantee.com does not convey any interest in information or data available via the PersonalLoanGuarantee.com website, Content, Services, Website or any other PersonalLoanGuarantee.com property by permitting you to access the Website. Except to the extent required by law or as expressly provided herein, none of the Content and/or Information may be reverse-engineered, modified, reproduced, republished, translated into any language or computer language, re-transmitted in any form or by any means, resold or redistributed without the prior written consent of PersonalLoanGuarantee.com. You may not make, sell, offer for sale, modify, reproduce, display, publicly perform, import, distribute, retransmit or otherwise use the Content in any way, unless expressly permitted to do so by PersonalLoanGuarantee.com.
4. Obtaining a Password; Use of Your Password
Certain areas of our Website may be accessible only to users that have a username and password. If you obtain a username and password, please keep in mind that we will treat anyone who uses your complete login credentials as “you.” We will provide this user with all of the rights and privileges that we provide to you, and we will hold you responsible for user activities associated with your username and password. We therefore recommend that you maintain your username and login credentials in confidence, and that you refrain from disclosing this information to anyone who might “pretend” to be you with respect to your use of our Website. We also require that you notify us immediately if you suspect that someone is using your username and password in this manner.
5. Code of Conduct
By using our Website, you agree to comply with these Terms of Service, and to follow our Code of Conduct, which is set out below. Under this Code, you shall not:
Use the Website in a manner that could disable, overburden or impair the Website or interfere with any other parties’ use and enjoyment of the Website.
Seek to obtain access to or acquire material or information that we have not intentionally made available to you on the Website through “hacking,” “scraping,” or other means.
Submit material that is intentionally false, defamatory, threatening or harassing, or otherwise unlawful.
Transmit material through the Website that you know or should know contains viruses, Trojan horses, worms, time bombs, cancelbots, or other computer-programming routines that are intended to damage, detrimentally interfere with, surreptitiously intercept or expropriate any system, data or personal information.
By using our Website and our services, you represent that you have taken appropriate steps to secure your computing device, including, but not limited to, using an updated operating system, using anti-virus software, and conducting periodic scans for malware, viruses, or other harmful material.
6. Monitoring; Revocation or Suspension of Use Privileges
PersonalLoanGuarantee.com MAKES NO REPRESENTATIONS ABOUT THE RESULTS TO BE OBTAINED FROM USING THE WEBSITE, THE SERVICES, THE INFORMATION OR THE CONTENT. THE USE OF SAME IS AT YOUR OWN RISK.
THE WEBSITE, THE INFORMATION, THE SERVICES AND THE CONTENT ARE PROVIDED ON AN “AS IS” BASIS. PersonalLoanGuarantee.com, ITS LICENSORS, AND ITS SUPPLIERS, TO THE FULLEST EXTENT PERMITTED BY LAW, DISCLAIM ALL WARRANTIES, EITHER EXPRESS OR IMPLIED, STATUTORY OR OTHERWISE, INCLUDING BUT NOT LIMITED TO THE IMPLIED WARRANTIES OF MERCHANTABILITY, NON-INFRINGEMENT OF THIRD PARTIES’ RIGHTS, AND FITNESS FOR A PARTICULAR PURPOSE. PersonalLoanGuarantee.com AND ITS AFFILIATES, LICENSORS AND SUPPLIERS MAKE NO REPRESENTATIONS OR WARRANTIES ABOUT THE ACCURACY, COMPLETENESS, SECURITY OR TIMELINESS OF THE CONTENT, INFORMATION OR SERVICES PROVIDED ON OR THROUGH THE USE OF THE WEBSITE. NO INFORMATION OBTAINED BY YOU FROM THE WEBSITE SHALL CREATE ANY WARRANTY NOT EXPRESSLY STATED BY PersonalLoanGuarantee.com IN THESE TERMS OF SERVICE.
SOME JURISDICTIONS DO NOT ALLOW LIMITATIONS ON IMPLIED WARRANTY, SO THE LIMITATIONS AND EXCLUSIONS IN THIS SECTION MAY NOT APPLY TO YOU. IF YOU ARE DEALING AS A CONSUMER, YOUR STATUTORY RIGHTS THAT CANNOT BE WAIVED, IF ANY, ARE NOT AFFECTED BY THESE PROVISIONS. YOU AGREE AND ACKNOWLEDGE THAT THE LIMITATIONS AND EXCLUSIONS OF LIABILITY AND WARRANTY PROVIDED IN THESE TERMS OF SERVICE ARE FAIR AND REASONABLE.
8. Limitation of Liability
In no event shall PersonalLoanGuarantee.com or its suppliers be liable for any damages (including, without limitation, damages for loss of data or profit, or due to business interruption,) arising out of the use or inability to use the materials on PersonalLoanGuarantee.com’s Internet site, even if PersonalLoanGuarantee.com or a PersonalLoanGuarantee.com authorized representative has been notified orally or in writing of the possibility of such damage. Because some jurisdictions do not allow limitations on implied warranties, or limitations of liability for consequential or incidental damages, these limitations may not apply to you.
10. Revisions and Errata
The materials appearing on PersonalLoanGuarantee.com’s web site could include technical, typographical, or photographic errors. PersonalLoanGuarantee.com does not warrant that any of the materials on its web site are accurate, complete, or current. PersonalLoanGuarantee.com may make changes to the materials contained on its web site at any time without notice. PersonalLoanGuarantee.com does not, however, make any commitment to update the materials.
12. Site Terms of Service Modifications
PersonalLoanGuarantee.com may revise and update these Terms of Service at any time. Your continued usage of the Website after any changes to these Terms of Service will constitute Your acceptance of those changes. Any aspect of the Website may be changed, supplemented, deleted or updated without notice at the sole discretion of PersonalLoanGuarantee.com. PersonalLoanGuarantee.com may also change or impose fees for products and services provided through the Website at any time in its sole discretion. PersonalLoanGuarantee.com may establish or change, at any time, general practices and limits concerning other PersonalLoanGuarantee.com products and services in its sole discretion.
13. Governing Law and Jurisdiction
Any claim relating to PersonalLoanGuarantee.com’s web site shall be governed by the laws of the State of New York without regard to its conflict of law provisions.
TO THE FULLEST EXTENT PERMITTED BY LAW, YOU HEREBY EXPRESSLY AGREE THAT ANY PROCEEDING ARISING OUT OF OR RELATING TO YOUR USE OF THE WEBSITE, INFORMATION, SERVICES AND CONTENT SHALL BE INSTITUTED IN A STATE OR FEDERAL COURT SITTING IN THE COUNTY OF SUFFOLK, New York, UNITED STATES OF AMERICA AND YOU EXPRESSLY WAIVE ANY OBJECTION THAT YOU MAY HAVE NOW OR HEREAFTER TO THE LAYING OF THE VENUE OR TO THE JURISDICTION OF ANY SUCH PROCEEDING. YOU AGREE THAT ANY CLAIM OR CAUSE OF ACTION ARISING OUT OF OR RELATED TO YOUR USE OF THE WEBSITE, INFORMATION, SERVICES AND/OR CONTENT MUST BE FILED WITHIN ONE (1) YEAR AFTER SUCH CLAIM OR CAUSE OF ACTION AROSE.
15. Venue and Limitation of Liability Regarding Membership fees
Under no circumstances, including, but not limited to, negligence, shall PersonalLoanGuarantee.com (“Company”) be liable for any special or consequential damages that result from the use of, or the inability to use, the information furnished to you (“Client”). In no event shall Company be liable to the Client for any or all damages, losses, and causes of action (whether in contract, tort (including, but not limited to, negligence)) or otherwise exceed the amount paid by the Client to Company. Company is not a lender nor a loan broker but is a full service company that charges a fee for Membership. All sales are final and not refundable or cancellable, except as outlined in these terms of service. Any disputes shall be in a court of competent jurisdiction within Suffolk County in the State of New York and will be pursuant to the Laws of the State of New York. This contract does not become valid and binding until payment is received and accepted at Company’s office in New York.
16. Explanation and Terms of Paid Membership Services
Further Terms: Company provides information to its Members. Company charges an annual Membership Fee of $29.95. Company’s intent is not to lend money directly to the Client, nor is it Company’s intent to give Client that impression. Company founders have been in the business of directing clients to bonafide lenders and lending partners since 1998. The goal is to get clients approved for either loans or lines of credit of any amount and of any type. Almost without exception, every Client has been referred to a lender or lending partner that has approved or was willing to approve the Client for either a loan or a line of credit or both of varying amounts. Some Clients mistakenly think that the fee they are paying is a fee for a loan. This is not accurate. The fee is for Membership, which includes information that we provide to the Client (referrals). We provide a money-back guarantee to the Client as detailed in these Terms of Service. If Client does not wish to abide by these terms of service, then Client should not pay for Company’s services.
Client will be approved for up to the amount requested from our referrals, collectively, either as a loan or a line of credit, or any extension of credit; otherwise, Company will refund Client’s Membership Fee, upon request.
a) Company will provide Membership information, including its Select Lenders and Partners to the Client by email, to the email address given by the Client. It is Client’s responsibility to check their spam or junk folders if they cannot find the email. It is Client’s responsibility to contact Company if the email cannot be found so that Company can send it again by email or send it by another means, even by the regular mail, if necessary. Once Client pays the Membership fee, the contract is in force as per these terms of service.
b) If Client has any trouble applying with a lender/partner because Company did not provide accurate information, Company will provide Client with the correct information, whenever possible. If a lender changes their website address or website links or makes lending policy changes or changes their phone number or experiences website problems or outages, it is not the fault of Company. Company will make every effort to provide Client with the correct and up-to-date information, whenever possible.
c) Company may or may not be affiliated with a referred lender/partner, so Client should apply to lenders directly as if there is no relationship between Company and the lenders/partners.
d) As per Company’s guarantee of approval amount, the approval amount is the total amount approved for collectively from each lender/partner referred and approval amount includes approval amounts for any and all extensions of credit. Client is never obligated to accept a lender’s approval offer. However, if an approval offer is made, it is considered an approval as far as these terms of service are concerned, regardless if Client accepts it or not.
e) Lenders are free to make their own individual decisions regarding approvals and/or interest rates and are under no obligation whatsoever to the Client. Interest rates are at the discretion of each lender and cannot be guaranteed by Company. Referred Lenders that offer personal loans will not require any fees. A line of credit lender may require a small fee, although it is usually included in the line of credit, although every company is different.
f) Lenders may run either a “soft” or “hard” inquiry on Client’s credit profile in order to make a decision of approval or denial. A “soft” credit inquiry will not affect an applicant’s credit score. A “hard” inquiry may lower the applicant’s credit score by a few points. In either case, the lender is obligated to provide you with either an approval or an explanation of denial based on their review of your credit profile. They may send it by email or by regular mail or simply on your device screen. The explanation will include your name and the reason for denial being a review of your credit profile. If Client runs into a company that does not wish to make them an offer, then the partner’s website may redirect the Client to one of their affiliates. According to the Fair Credit Act, a lender CANNOT refuse to take an application REGARDLESS of past credit history or bankruptcy.
g) Client and Company agree to be bound strictly by these terms of service. If Client has a dispute with Company, Client agrees to communicate directly with Company to resolve the dispute and agrees not to go elsewhere for a remedy, unless an amicable compromise cannot be reached. Company will do its best to work out an amicable agreement or compromise.
17. Assignment and No Third Party Beneficiary
Your rights under these Terms of Service are yours alone and do not create any third-party beneficiary interest in another party. Furthermore, these Terms of Service shall not be assignable by you, either in whole or in part. We reserve the right to assign the rights and obligations under these Terms of Service for any reason and in our sole discretion.
18. Complete Agreement
EXCEPT AS EXPRESSLY PROVIDED IN A SEPARATE LICENSE, SERVICE OR OTHER WRITTEN AGREEMENT BETWEEN YOU AND PersonalLoanGuarantee.com, THESE TERMS OF SERVICE CONSTITUTE THE ENTIRE AGREEMENT BETWEEN YOU AND PersonalLoanGuarantee.com WITH RESPECT TO THE USE OF THE WEBSITE, AND ANY SOFTWARE OR SERVICE, INFORMATION AND CONTENT CONTAINED THEREIN, AND SUPERSEDE ALL DISCUSSIONS, COMMUNICATIONS, CONVERSATIONS AND AGREEMENTS CONCERNING THE SUBJECT MATTER HEREOF.
19. Customer Service
We are committed to conducting our business in accordance with these principles in order to ensure that the confidentiality of Personal Information is protected and maintained.
If you have any questions or concerns please contact us at info@PersonalLoanGuarantee.com.