Effective Date: August 30, 2016
This Website is an online marketplace that acts as a bridge between the companies that are involved in the business of distributing loans and users like You who are looking to borrow money.
Don’t use the Website or Company's services if you don’t accept these terms.
The Company is not a broker, lender or financial institution and hence has no role in lending or making credit decisions. The Company does not lend money to anyone nor is involved in any direct financial transaction with You. Rather, the Company acts as a bridge that connects You with a network of independent third-party loan providers (hereinafter referred to as "Financial Service Providers"). When You register with the Company, You can be simply connected with the Financial Service Providers who offer online loans between $200 to $5,000. The choice of making a decision, offering lending options as well as the amount depends on the Financial Service Provider, and the Company has no role in it whatsoever. Also, not all Financial Service Providers may offer online loans up to $5,000 due to their lower financial capacities or other reasons that the Company has no control over. The Company does not make any offers or promises in this regard.
The Company gets its revenue from the advertising given by the Financial Services Provider. However, this does not mean that the Company patronizes the services of any Financial Service Provider. Moreover, the loan conditions offered by the Financial Service Providers who are listed on this Website may not always suit Your requirements. If you are unsure about any aspect of the loan given by the Financial Service Provider, you may consult a professional before making Your decision. The Company takes no responsibility towards the offer made by the Financial Service Providers, and there is no involvement of the Company whatsoever in these decisions. Furthermore, the Company has no role in determining how a Financial Service Provider may use the information given by You.
By providing your personal details such as Your Social Security number and date of birth, you are authorizing the Financial Service Providers to use this information to verify your information and financial background, as required by the operations and policies of each Financial Service Provider. To do so, they may turn to credit bureaus. These actions may have an impact on your credit score. Please note, that the Company isn’t involved in these actions, and is in no way responsible for the outcome of them.
The Company does not guarantee the availability of any loan product or service of any Financial Service Provider. The Company runs the Website and is not responsible for the information advertised by any Financial Service Provider. Nor do we guarantee that any product or service is ideal for You and that You will get a positive credit decision or get a loan offer of the amount that suits your request. The Company simply provides the connection with Financial Service Providers showing the information You submit in our online form without verifying the availability or details of any product or service offered by these Financial Service Providers.
If the loan offered by any Financial Service Provider fits Your needs, then You can enter into a formal agreement with that Financial Service Provider. This agreement including its terms and conditions has nothing to do with the Company. In other words, the Financial Service Provider drafts the agreement, so it is Your responsibility to go through the details and understand it before signing the agreement. The Company has nothing whatsoever to do with the agreement or the terms of any particular credit offer. If You have any questions or doubts regarding the agreement or any other aspect of the loan, You are requested to contact the Financial Service Provider directly to clarify your questions.
The ownership, content, logo, information and anything else displayed on this Website belong to the Company and are governed by the Intellectual Property laws in the United States. When You use this Website, you do not get ownership to 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.
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 WEBSITE AND THE SERVICES PROVIDED BY THIRD-PARTY FINANCIAL SERVICE PROVIDERS WHO HAVE LISTED THEMSELVES AS LOAN PROVIDERS ON THIS WEBSITE.
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.
When you submit your information on this Site, you are granting permission to the Company, Financial Service Providers and other third-party partners to contact You through a range of media such as email, telephone or by mail address. If You do not wish to receive such information, then You have to remove Your details through the Company's opt-out mechanism.
The Site may contain information about the services offered by third-party partners and a possible link to their websites. Company does not guarantee the accuracy of information on these websites and does not endorse them in any way. These are present only for Your information, and You access these websites at Your own risk. The Company is not liable for any damages or losses You may incur due to the access of these websites or the services of these third-party partners. Any communication that You may have with such third-party companies, including Financial Services Providers, are at Your own risk and the Company is not responsible in any way for such communication or the consequences thereof.
The Company, Financial Service Providers and third-party companies associated with the Site may choose to use the electronic medium for communication. Such communication may include request for additional materials, notices, providing information, marketing materials sending state laws, Federal laws or any other documents pertinent to the service being offered by such companies. This communication can come from the Company, Financial Service Provider or any third-party partners of the Company.
By continuing to use this service, you agree to receive such current and future communications electronically. These electronic communications will be sent to the email address provided by you at the time of submitting Your information or an alternate email address that the Company may obtain through a Financial Service Provider or third-party. You agree that technically you are able to receive and save documents and communication electronically from the Company, Financial Service Provider and third-party companies. You also have the right to receive all communication through non-electronic channels. To do so, withdraw Your consent to receive documents electronically by emailing to email@example.com.
Any dispute that may arise due to Your use of the Site or the Company's services are subject to the provisions and laws of the state which licenses or authorizes the service upon which the complaint is made, regardless of any other choice of law or conflicts between local laws and provisions. If you encounter any such dispute, you are requested to formally submit Your complaint or dispute for arbitration to the corresponding association or institution authorized to resolve such cases in accordance with state and federal rules and regulations that are valid at the time of submission of Your dispute.
ANY DISPUTE THAT ARISES BETWEEN YOU AND THE COMPANY WILL BE RESOLVED ONLY THROUGH ARBITRATION. BY AGREEING TO THIS TERM, YOU EXPLICITLY GIVE UP YOUR RIGHTS TO REPRESENT YOURSELF INDIVIDUALLY OR THROUGH LEGAL COUNSEL IN FRONT OF ANY JUDGE OR COURT. ALSO, YOU AGREE TO WAIVE YOUR RIGHT TO CLASS ACTION SUITS WHEN YOU CONTINUE TO USE THIS SITE.
The products or services offered on the Site cannot be exported or downloaded in the following countries or by the residents of these countries:
These services may not be distributed or used by the individuals who belong to the United States Treasury Department's list of Specially Designated Individuals or US Commerce Department's Table of Denial Orders. By using the services of the Company, You declare that You do not violate these export restrictions. By using the services of the Company you warrant you don’t belong to any of the stated lists.
The Website and related services are provided by 1kep.com. If you have a request, complaint or enquiry regarding the services rendered by the Website, please, contact us via firstname.lastname@example.org. 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.