Terms of Use

The service on this website is being presented to you by Lendingforrest.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.

AGREEMENT

These Terms of Use (the “Agreement”) constitute a legally binding agreement by and between us and you concerning your use of this site and the services available through the site (the “Services”). By using the site and Services, you represent and warrant that you have read and understand, and agree to be bound by, this Agreement and our Privacy Policy (the “Privacy Policy”), which is incorporated herein by reference and made part of this Agreement. IF YOU DO NOT UNDERSTAND THIS AGREEMENT, OR DO NOT AGREE TO BE BOUND BY IT OR THE PRIVACY POLICY, YOU MUST IMMEDIATELY LEAVE THE WEBSITE AND CEASE 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.

NOT A LENDER

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.

LOAN CONNECTING SERVICE

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.

Once you submit your request form(s) online, we will share your information with one or more participating lead purchasers and we will store your information for compliance purposes and in order to retrieve your previously entered information if you return to our Services. Lead purchasers who receive your information from us may review your information to determine whether your information meets their minimum loan qualification criteria. Lead purchasers may, among other things, verify your social security number, perform a credit check, and review your information against national databases (such as Microbilt, Transunion, Experian, or Equifax) that track consumer transactions with lending institutions and other credit-related data. Additionally, we may also verify your information (such as email address and mailing address), we may correct common misspellings and typographical errors, and we may fix incorrectly entered data. Notwithstanding the foregoing, we are not responsible or liable for checking the accuracy of any information you provide. By submitting the request form(s), you agree to allow lead purchasers and us to obtain, review, verify and research your information.

We do not guarantee that any of the lenders or lead purchasers with whom we share your information will contact you or agree to provide you with a loan. If a lead purchaser determines that the information you submitted meets its loan qualification criteria, we will open a new web page belonging to the lead purchaser, or redirect your browser to the lead purchaser’s web site. You understand and agree that, once you have been redirected to the lead purchaser’s web site, we have no further involvement in the loan request or approval process. Your subsequent interactions with the lead purchaser are subject to the privacy policy, terms of use, and other policies and/or terms enforced by that lead purchaser. We are not responsible for any decisions or actions taken by you based on your use of the Services.

LOAN AMOUNTS

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.

Additionally, if you are seeking a particular form of credit for which you do not qualify, you may receive solicitations for a form of credit that you are not seeking. The terms of the credit offered may be inferior to those you were originally seeking. You do not have to accept or respond to these solicitations.

CONSENT FOR ELECTRONIC SIGNATURES, RECORDS, AND DISCLOSURES (“E-Consent”)

Please read this information carefully and print a copy and/or retain this information for future reference.

Introduction. You are submitting a request to be connected with third-party lenders. In order to offer you a loan, the third party lenders need your consent to use and accept electronic signatures, records, and disclosures (“E-Consent”). We also require your E-Consent to enter into this Agreement with you. This form notifies you of your rights when receiving electronic disclosures, notices, and information. By clicking on the link assenting to our terms, you acknowledge that you received this E-Consent and that you consent to conduct transactions, including this Agreement, using electronic signatures, electronic disclosures, electronic records, and electronic contract documents (“Disclosures”).

Option for Paper or Non-Electronic Records. You may request any Disclosures in paper copy by contacting the third party lender directly. The lenders will provide paper copies at no charge. The lenders will retain all Disclosures as applicable law requires.

Scope of Consent. This E-Consent applies to all interactions online concerning you and us and/or the third-party lender or Service Provider, and includes those interactions engaged in on any mobile device, including phones, smartphones and tablets. By exercising this E-Consent, we and the third-party Service Provider may process your information and interact with you electronically. We and the Service Provider may also send you notices electronically related to interactions and transactions. Disclosures may be provided online at our or third-party Service Provider’s websites, and Disclosures may be provided by e-mail.

Consenting to Do Business Electronically. Before you decide to do business electronically with us or the third-party Service Providers, you should consider whether you have the required hardware and software capabilities described below.

Hardware and Software Requirements. To access and retain the Disclosures electronically, you will need to use the following computer software and hardware: A PC or MAC compatible computer or other device capable of accessing the Internet, access to an e-mail account, and an Internet Browser software program that supports at least 128 bit encryption, such as Microsoft® Internet Explorer, Mozilla Firefox® or Google Chrome®. To read some documents, you may need a PDF file reader like Adobe® Acrobat Reader X ® or Foxit®. You will need a printer or a long-term storage device, such as your computer’s disk drive, to retain a copy of the Disclosures for future reference. You may send any questions regarding the hardware and software requirements directly to us or the third-party lenders as appropriate.

Withdrawing Consent. Your E-Consent for our lender connection service and for third-party Service Providers’ consideration of your loan request cannot be withdrawn because it is a one-time transaction. If you are connected with one or more third-party Service Providers, you are free to withdraw your E-Consent with those third-party Service Providers at any time and at no charge. However, if you withdraw this E-Consent before receiving credit, you may be prevented from obtaining credit from the lender. Contact the third-party Service Provider directly if you wish to withdraw this E-Consent. If you decide to withdraw this E-Consent, the legal effectiveness, validity, and enforceability of prior electronic Disclosures will not be affected.

Changes to Your Contact Information. You should keep third-party Service Providers informed of any change in your electronic address or mailing address. You may generally update such information by logging into the third party Service Provider’s website or by sending the Service Provider a written update by mail.

YOUR ABILITY TO ACCESS DISCLOSURES. BY CLICKING THE LINK WE PROVIDE, YOU ASSENT TO OUR TERMS. YOU ACKNOWLEDGE THAT YOU CAN ACCESS THE DISCLOSURES IN THE DESIGNATED FORMATS DESCRIBED ABOVE.

CONSENT. BY CLICKING THE LINK WE PROVIDE, YOU ASSENT TO THE TERMS OF THIS AGREEMENT IN THEIR ENTIRETY. YOU ACKNOWLEDGE YOU HAVE READ THIS INFORMATION ABOUT ELECTRONIC SIGNATURES, RECORDS, DISCLOSURES, AND DOING BUSINESS ELECTRONICALLY. YOU CONSENT TO USING ELECTRONIC SIGNATURES, HAVING ALL DISCLOSURES PROVIDED OR MADE AVAILABLE TO YOU IN ELECTRONIC FORM AND TO DOING BUSINESS WITH THE SERVICE PROVIDER ELECTRONICALLY. YOU ACKNOWLEDGE THAT YOU MAY REQUEST A PAPER COPY OF THE ELECTRONIC RECORDS AND DISCLOSURES, WHICH WILL BE PROVIDED TO YOU AT NO CHARGE. IF YOU REFRAIN FROM PROCEEDING, THEN YOU NEITHER WISH TO USE ELECTRONIC SIGNATURES NOR TO CONDUCT THIS TRANSACTION ELECTRONICALLY. YOU ALSO ACKNOWLEDGE THAT YOUR CONSENT TO ELECTRONIC DISCLOSURES IS REQUIRED TO RECEIVE SERVICES FROM US OR THIRD-PARTY SERVICE PROVIDERS OVER THE INTERNET.

CHANGES TO AGREEMENT AND PRIVACY POLICY

WE RESERVE THE RIGHT TO CHANGE THIS AGREEMENT AND ITS PRIVACY POLICY AT ANY TIME UPON NOTICE TO YOU, TO BE GIVEN BY THE POSTING OF A NEW VERSION OR A CHANGE NOTICE ON THE WEBSITE. IT IS YOUR RESPONSIBILITY TO REVIEW THIS AGREEMENT AND THE PRIVACY POLICY PERIODICALLY. IF AT ANY TIME YOU FIND EITHER UNACCEPTABLE, YOU MUST IMMEDIATELY LEAVE THE WEBSITE AND CEASE USING THE SERVICES. Unless we obtain your express consent, any revised Privacy Policy will apply only to information collected by us after such time as the revised Privacy Policy takes effect, and not to information collected under any earlier Privacy Policy.

ELIGIBILITY

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.

LICENSE

Subject to your compliance with the terms and conditions of this Agreement, we grant you a non-exclusive, non-sublicensable, revocable, non-transferable license to use the site and Services. All rights, title, and interest in and to the Service not expressly granted in this Agreement are reserved by us. THE SITE AND SERVICES ARE FOR YOUR PERSONAL AND NON-COMMERCIAL USE (EXCEPT AS EXPRESSLY SET FORTH HEREIN). The site, or any portion of the site, may not be reproduced, duplicated, copied, modified, sold, resold, or distributed without our express written consent. Except as expressly set forth herein, this Agreement grants you no rights in or to the intellectual property of ours or of any other party. The license granted in this section is conditioned on your compliance with the terms and conditions of this Agreement. In the event that you breach any provision of this Agreement, your rights under this section will immediately terminate.

USER INFORMATION

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.

RELATIONSHIP AND OBLIGATION OF THE PARTIES

You acknowledge and agree that, in providing our Services to you, we are not acting as your agent or the agent of any Service Provider. We do not make any decisions regarding the products or services offered by the Service Providers, nor do we recommend or endorse any such products or services. We act solely as a paid marketing lead generator. You acknowledge and agree that you and Service Providers (“Service Providers”) enter into contracts directly with each other to obtain or provide certain financial products or services. We are not a party to any contract between you and Service Providers and we are not involved in contracting between you and Service Providers. Your ability to secure a loan or consummate any transaction with any Service Provider is solely a matter to be resolved between you and such Service Provider. All rights and obligations for the products or services is solely between you and the Service Providers. WE HAVE NO CONTROL OVER AND DO NOT REPRESENT, WARRANT, OR GUARANTEE THE QUALITY, ACCURACY, RELIABILITY, COMPLETENESS, USEFULNESS, SAFETY OR LEGALITY OF THE REQUESTED OR OFFERED LOANS, THE ABILITY OF LENDERS TO DELIVER THE LOANS, YOUR ABILITY TO REPAY THE LOANS, OR THAT YOU OR LENDER WILL ENTER A BORROWER-LENDER RELATIONSHIP. You and Lender must look solely to the other for the enforcement and performance of all of your and their respective rights and obligations for the loans, and any other terms, conditions, representations, or warranties associated with such dealings. We are not liable or responsible for any Service Provider’s acts or omissions, or for an agreement or transaction between you and any Service Provider.

EMAIL CONSENT

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.

CONSENT TO RECEIVE SMS AND OTHER COMMUNICATIONS FROM LENDERS AND OTHERS

By registering with the site, you will be offered an opportunity to grant your prior express written consent to receive communications, including by mail, email, SMS and telephone, from Lenders and marketing partners. You agree (and your assent to those terms constitutes your express written consent) to be contacted by Lenders and marketing partners at the telephone number you have provided, to explore Personal Loan and other offers, including contact through automatic dialing systems, artificial or pre-recorded voice messaging, or single or recurring text messages. The Lenders and marketing partners by whom you consent to be contacted include, without limitation, the nonaffiliate parties listed at this link. Standard message and data rates may apply to text message communications. You may also choose not to receive contact by other Lenders and marketing partners by not granting such consent at the time of your loan request submission. Messages may be delayed or undelivered for various factors. Lenders, carriers and any service providers utilized by Lenders to send messages are not liable for delayed or undelivered messages. With respect to our nonaffiliate marketing partner DollarConnect, you may sign up for an SMS alert to receive a one-time message with a secure link to your loan request form, or you can sign up for SMS offer reminders and receive recurring monthly messages. To opt out of DollarConnect SMS messages at any time, text the word STOP to 89810. For DollarConnect help, text the word HELP to 89810. For additional DollarConnect support, email SMSAlerts@DollarConnect.com, Based on program opt-in, you will receive a one-time text message or recurring monthly messages. This service is available on all supported U.S. carriers.

THIRD-PARTY WEBSITES

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.

PROHIBITED USES