The service on this website is being presented to you by COMPAREOPOLICY.COM (referred to in this Agreement as "site," "we," "us" or "our"). Access to and use of this site is provided subject to the following terms of use.
We and you agree to these Terms of Use (the "Agreement") regarding your use of this site and its services (the "Services"). You acknowledge and agree to this Agreement and our Privacy Policy (the "Privacy Policy"), which is incorporated herein by reference and made part of this Agreement, by using the site and Services. If you do not understand this agreement or agree to be bound by it or the privacy policy, you must leave the website and stop using the services.
THESE TERMS OF USE CONTAIN A MANDATORY ARBITRATION PROVISION THAT REQUIRES YOU TO ARBITRATE INDIVIDUALLY ANY DISPUTES OR CLAIMS YOU MAY HAVE WITH US AND WAIVES YOUR RIGHT TO PARTICIPATE IN A CLASS ACTION OR MULTI-ARBITRATION. DETAILS ARE SET FORTH BELOW.
We are a lead generator. Certain important disclosures about lead generation are here. Your use of this Website and its Services is conditioned upon your having read these disclosures. This site does not constitute an offer or solicitation to lend. We are NOT A LENDER, do not make loan or credit decisions, and do not broker loans. The operator of this Website is not an agent, representative or broker of any lender and does not endorse or charge you for any service or product.
Our loan connecting service aims to connect consumers with lead purchasers as defined in Certain Disclosures About Lead Generation. To use the Service, you must complete one or more online forms that request specific information from you, including, but not limited to, your name, address, telephone number, email address, social security number, banking account information and employment information. By doing so, you are not applying to us for credit.
After receiving your online request form(s), we will share your information with one or more participating lead purchasers and store it for compliance and retrieval if you return to our Services. Our lead buyers may check if your information meets their minimum loan qualification criteria. Lead buyers may verify your social security number, employment information, credit check, and information against national databases like Microbilt, Transunion, Experian, and Equifax that track consumer lending transactions and credit data.
Loan amounts will vary. Not all lenders can provide loan amounts up to $1,000, $2,500, $5,000, or $50,000. Fund transfer times may vary between lenders; and in some circumstances faxing may be required. Completion of this online form in no way guarantees that you will be approved for a loan offer.
Introduction. Requesting third-party lender connections. Third-party lenders need your consent to use and accept electronic signatures, records, and disclosures ("E-Consent") to lend you money. We need your E-Consent to sign this Agreement. This form informs you of your electronic disclosure, notice, and information rights. By clicking the link to agree to our terms, you acknowledge that you received this E-Consent and consent to transactions, including this Agreement, using electronic signatures, disclosures, records, and contract documents ("Disclosures").
Consent range. All online interactions between you and us, the third-party lender, or Service Provider, including on phones, smartphones, and tablets, are covered by the E-Consent. This E-Consent allows us and the third-party Service Provider to process and communicate with you electronically. We and the Service Provider may send you electronic notices about transactions. We or third-party Service Providers may email or post disclosures.
Consent withdrawal. As a one-time transaction, your E-Consent for our lender connection service and third-party Service Providers' loan consideration cannot be withdrawn. Third-party Service Providers allow free E-Consent withdrawal at any time. If you withdraw E-Consent before receiving credit, the lender may deny you. Contact the third-party Service Provider to cancel E-Consent. E-Consent withdrawal does not affect the legality, validity, or enforceability of prior electronic Disclosures.
UPON NOTICE TO YOU, WE MAY CHANGE THIS AGREEMENT AND ITS PRIVACY POLICY BY POSTING A NEW VERSION OR CHANGE NOTICE ON THE WEBSITE. You must periodically review this agreement and the privacy policy. IF EITHER IS UNACCEPTABLE, LEAVE THE WEBSITE AND STOP USING THE SERVICES. Any revised Privacy Policy will apply only to information collected after its effective date, unless we obtain your express consent.
This Service may not be available to residents of every state. We do not seek to do business with residents of New York. BY USING THE WEBSITE OR SERVICES, YOU REPRESENT AND WARRANT THAT YOU ARE AT LEAST 18 YEARS OLD, A RESIDENT OF THE UNITED STATES (BUT NOT A RESIDENT OF NEW YORK), AND ARE OTHERWISE LEGALLY QUALIFIED TO ENTER INTO AND FORM CONTRACTS UNDER APPLICABLE LAW.
We grant you a non-exclusive, non-sublicensable, revocable, non-transferable license to use the site and Services if you comply with this Agreement. We reserve all rights, title, and interest in the Service not expressly granted in this Agreement. Except as expressly stated herein, the Site and Services are for personal and non-commercial use. The site or any portion of it may not be reproduced, duplicated, copied, modified, sold, resold, or distributed without our written consent.
In connection with your use of the Services, you are required to complete a form. You represent and warrant that all user information you provide on the form or otherwise in connection with your use of the site and Services will be current, complete and accurate.
You agree that we are not your or any Service Provider's agent in providing our Services. We do not evaluate or endorse Service Provider products or services. Our sole business is paid marketing lead generation. You agree that you and Service Providers ("Service Providers") contract directly to obtain or provide financial products or services. We are not involved in any contracts between you and Service Providers. You and any Service Provider decide whether to lend you money or complete a transaction. All product and service rights and obligations are between you and the Service Providers. WE DO NOT REPRESENT, WARRANT, OR GUARANTEE THE QUALITY, ACCURACY, RELIABILITY, COMPLETENESS, USEFULNESS, SAFETY, OR LEGALITY OF THE REQUESTED OR OFFERED LOANS, LENDERS' DELIVERY, YOUR REPAYMENT, OR YOUR BORROWER-LENDER RELATIONSHIP. You and Lender must rely on each other to enforce and perform all of your and their loan rights and obligations and any other terms, conditions, representations, or warranties. We are not responsible for Service Providers' actions or omissions or your agreement or transaction with them.
By completing a loan request form through the site, you consent to receive certain administrative email communications from us and our marketing partners and lead purchasers. You also consent to receive periodic online and offline marketing communications from us, our lead purchasers, and our marketing partners. You may opt out of receiving marketing communications at any time by clicking the unsubscribe link and following the opt-out instructions.
The site may be linked with the websites of third parties ("Third-Party Websites"). We do not have control over the content and performance of Third-Party Websites. WE HAVE NOT REVIEWED, AND CANNOT REVIEW OR CONTROL, ALL OF THE MATERIAL, GOODS OR SERVICES, MADE AVAILABLE ON OR THROUGH THIRD-PARTY WEBSITES. ACCORDINGLY, WE DO NOT REPRESENT, WARRANT OR ENDORSE ANY THIRD-PARTY WEBSITE, OR THE ACCURACY, CURRENCY, CONTENT, FITNESS, LAWFULNESS OR QUALITY OF THE INFORMATION MATERIAL, GOODS OR SERVICES AVAILABLE THROUGH THIRD-PARTY WEBSITES. WE DISCLAIM, AND YOU AGREE TO ASSUME, ALL RESPONSIBILITY AND LIABILITY FOR ANY DAMAGES OR OTHER HARM, WHETHER TO YOU OR TO THIRD PARTIES, RESULTING FROM YOUR USE OF THIRD-PARTY WEBSITES.
DISCLAIMER OF WARRANTIES. SITE AND SERVICES ARE "AS IS" AND "AS AVAILABLE." To the fullest extent permitted by law, we disclaim all warranties, express or implied, regarding the Site, including IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. We do not guarantee that the Site or Services will meet your needs or be uninterrupted or error-free.
(b) YOUR RESPONSIBILITY FOR LOSS OR DAMAGEYOU AGREE THAT YOUR USE OF THE SITE AND SERVICES IS AT YOUR SOLE RISK. YOU WILL NOT HOLD US OR OUR LENDERS, SERVICE PROVIDERS, LICENSORS AND SUPPLIERS, AS APPLICABLE, RESPONSIBLE FOR ANY LOSS OR DAMAGE THAT RESULTS FROM YOUR ACCESS TO OR USE OF THE SITE, INCLUDING WITHOUT LIMITATION ANY LOSS OR DAMAGE TO ANY OF YOUR COMPUTERS OR DATA. THE INFORMATION AND SERVICES MAY CONTAIN BUGS, ERRORS, PROBLEMS OR OTHER LIMITATIONS.
(c) LIMITATION OF LIABILITYLIABILITY IS LIMITED. SPECIAL, INCIDENTAL, OR CONSEQUENTIAL DAMAGES, LOST PROFITS, LOST DATA OR CONFIDENTIAL OR OTHER INFORMATION, LOSS OF PRIVACY, COSTS OF PROCUREMENT OF SUBSTITUTE GOODS OR SERVICES, FAILURE TO MEET ANY DUTY, INCLUDING GOOD FAITH OR REASONABLE CARE, NEGLIGENCE, OR OTHERWISE, REGARDLESS OF FORESEEABILITY, SHALL NOT BE LIABLE. This limitation applies regardless of whether the damages are based on breach of contract, tort, or another legal theory. We also limit our liability to $50.00 under all circumstances. THE BARGAIN BETWEEN US AND YOU IS BASED ON YOUR AGREEMENT THAT THIS LIMITATION OF LIABILITY IS A REASONABLE RISK ALLOCATION. THE SITE AND SERVICES WOULD NOT BE PROVIDED WITHOUT LIMITATIONS.
(d) LOAN REQUEST FORMThe above disclaimers, waivers, and limitations do not limit any other warranty disclaimer or liability limitation in this or any other agreement between you and us. THE DISCLAIMERS, WAIVERS, AND LIMITATIONS OF LIABILITY IN THIS DOCUMENT MAY NOT APPLY TO YOU IN JURISDICTIONS THAT DO NOT ALLOW THE EXCLUSION OF IMPLIED WARRANTIES OR THE LIMITATION OF DAMAGES. The foregoing disclaimers, waivers, and limitations apply to the maximum extent permitted by law, even if any remedy fails its essential purpose. NO ADVICE OR INFORMATION OBTAINED THROUGH THE SITE OR OTHERWISE SHALL ALTER ANY OF THE DISCLAIMERS OR LIMITATIONS IN THIS SECTION.
Without limiting any indemnification provision of this Agreement, you agree to defend, indemnify us and hold us harmless (and our officers, directors, employees, agents, affiliates, representatives, sub-licensees, successors and assigns [collectively, the "Indemnified Parties"]) from and against any and all claims, actions, demands, causes of action and other proceedings (collectively, "Claims"), including but not limited to legal costs and attorneys' fees, arising out of or relating to: (i) your breach of this Agreement, including without limitation any representation or warranty contained in this Agreement; (ii) your access to or use of the Website or Services in breach of this Agreement; (iii) your provision to us or any of the Indemnified Parties of information or other data, except as contemplated hereby; or (iv) your violation or alleged violation of any foreign or domestic, federal, state or local law or regulation; or (v) your violation or alleged violation of any third party's copyrights, trademarks, or other intellectual property or proprietary rights.
The site, Services, and this Agreement, including without limitation this Agreement's interpretation, shall be treated as though this Agreement were executed and performed in Las Vegas, Nevada and shall be governed by and construed in accordance with the substansive laws of the State of Nevada without regard to its conflict of law principles. ANY CAUSE OF ACTION OR CLAIM BY YOU ARISING OUT OF OR RELATING TO THE SITE, SERVICES OR THIS AGREEMENT MUST BE INSTITUTED WITHIN ONE (1) YEAR AFTER THE CLAIM OR CAUSE OF ACTION AROSE OR BE FOREVER WAIVED AND BARRED. ALL ACTIONS SHALL BE SUBJECT TO THE LIMITATIONS SET FORTH IN ABOVE. The language in this Agreement shall be interpreted in accordance with its fair meaning and not strictly for or against either party.
This Agreement and any "I agree" button or other assent language govern your site and Service use with us. To change this Agreement, our authorized executive must sign or unilaterally post a written amendment. The invalid or unenforceable parts of this Agreement will be interpreted to reflect the parties' intent, and the rest will stand. Any waiver by either party of any term or condition of this Agreement or any breach will not waive any subsequent breach. Our written consent is needed to assign or transfer this Agreement and your rights and obligations. As independent contractors, this Agreement does not create an agency, partnership, joint venture, or employment relationship. Third-party beneficiaries are not stated in this Agreement. This Agreement's headings are for convenience only and do not limit, expand, or affect its covenants, terms, conditions, or provisions.