[SiteName] Terms & Conditions
[SiteName] is dedicated to offering the fastest and most hassle-free lending available. Our simple loan process is designed to get you the money you need, when you need it most. Here are our terms and conditions:
Last Update April 25th, 2014
Our Relationship with you
1.1 The company. [SiteName]’s business is the issuance of short term consumer loans.
1.3 Intellectual Property. The URLs representing the [SiteName] website(s), “[SiteName],” and all related logos of our products and services described in our website(s) are either copyrighted by [SiteName], trademarks or registered trademarks of [SiteName] or its licensors. In addition, all page headers, custom graphics, button icons, and scripts are either copyrighted by [SiteName], service marks, trademarks, and/or trade dress of [SiteName] You may not copy, imitate, modify, alter, amend or use them without our prior written consent. All right, title and interest in and to the [SiteName] website and any content thereon is the exclusive property of [SiteName] and its licensors.
2. Eligibility and Types of Accounts
2.1 Eligibility. To be eligible for our Services, you must (i) be a resident of the United States; (ii) have full legal capacity to enter into a contract; and (iii) be an individual at least 18 years old. You further represent and warrant to us in opening an Account with us that you are not acting on behalf of, or for the benefit of, anyone else.
3. Account Balances and Transaction Information
3.1 Balances and transaction information. You may check your Balance by logging into your Account. Key information relating to your payments will be provided to you electronically and your transaction history will also be updated and made available to you at any time by logging into your Account. [SiteName] reserves the right to charge a reasonable fee for providing you with additional information or for providing the transaction history and other information in a different way. The way in which we provide the transaction information will allow you to store and reproduce the information unchanged, for example by printing a copy.
4. Term and Closing Your Account
5. Restricted Activities
5.1 Restricted Activities. In connection with your use of our website, your Account, or the Services, or in the course of your interactions with [SiteName], or its agents or affiliates, you will not:
You agree that engaging in the above Restricted Activities diminishes [SiteName] customers’ safe access and/or use of the Service generally.
5.2 Keeping your Account Safe. You agree to perform the following actions to keep your Account safe:
6. Your Liability - Actions We May Take
6.1 Your Liability.
6.2 Actions by [SiteName]. If we have reason to believe that you have engaged in any Restricted Activities, we may take various actions to protect [SiteName], a third party, or you from fees, fines, penalties and any other liability. The actions we may take include but are not limited to the following:
6.4 Information About You
7. Errors and Unauthorized Transactions
7.3 Review of Reports of Errors. We will advise you of the results of our investigation within twenty (20) Business Days after we receive your notice. If we have made an error, we will correct it promptly. If we need more time, however, we may take up to sixty (60) Business Days to investigate your complaint or question.
At the end of our investigation, we will advise you of the results in writing within three (3) Business Days
7.4 Errors. If we discover a processing error, we will rectify the error. If a payment was made to your banking account(s) by way of mistake, [SiteName] may correct the mistake by debiting or crediting (as the case may be) your appropriate account(s). If the error resulted in our not completing a transaction on time or in the correct amount, we will be liable to refund any amount as a result of carrying out a defective or non-executed payment transaction and for your losses or damages directly and reasonably foreseeably caused by this failure, unless:
8. Disputes with [SiteName]
8.1 Contact [SiteName] First. If a dispute arises between you and [SiteName], our goal is to learn about and address your concerns and, if we are unable to do so to your satisfaction, to provide you with a neutral and cost effective means of resolving the dispute quickly. Disputes between you and [SiteName] regarding our Services may be reported to Customer Service online via the "Email Us" link on the "Contact Us" page at any time, or by calling the Customer Service telephone number located on the [SiteName] website(s) and by logging into your Account.
8.2 Disputes. We will follow and you agree to follow our policy of arbitrating all disputes, including the scope and validity of this Arbitration Provision. In general, binding arbitration is a process in which persons with a dispute waive their rights to file a lawsuit in a court and waive their rights to have a jury trial. Instead, the parties agree to submit their disputes to a neutral third person (an "arbitrator") for a decision. Arbitration proceedings are private and less formal than court proceeding. Each party to a dispute has an opportunity to present their evidence to the arbitrator regarding the dispute. After considering each party's evidence and arguments, the arbitrator then issues a final and binding decision resolving the dispute. As part of agreeing to arbitrate any dispute, you explicitly waive any right you may have to participate in any class action against us.
THEREFORE, YOU ACKNOWLEDGE AND AGREE AS FOLLOWS:
8.4 No Waiver. 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.
You alone are responsible for understanding and complying with any and all laws, rules and regulations of your specific jurisdiction that may be applicable to you in connection with your use of the [SiteName] Services.
"ACH" means the Automated Clearing House network.
"Account" or "[SiteName] Account" means a Personal Account.
"Business Days" means a day (other than a Saturday or Sunday) on which banks in the United States are open for business (other than for the sole purpose of 24-hour electronic banking).
"Calendar Year" means 1 January to 31 December inclusive in any year.
"Days" means calendar days.
"Information" means any confidential and/or personally identifiable information or other information related to an Account or User, including but not limited to the following: name, email address, post/shipping address, phone number and financial information.
“Services” means the products, services, portals and websites offered or available to you by [SiteName]
"[SiteName] website(s)" means any URL through which we provide the Services to you.
"Personal Account" means an Account used primarily for personal, family, or household purposes.
"Policy" or "Policies" means any Policy or other agreement between you and [SiteName] that you entered into on the [SiteName] website(s), or in connection with your use of the Services.
"Policy Update" means a prior notice of Changes which [SiteName] may make available to you in writing.
"Verified" means that you have completed our verification process in order to help establish your identity with [SiteName]