Terms of Use

The services on this website are provided to you by LoanFlow.cc (referred to in this Agreement as "the website", "we" or "our"). Access to and use of this website is subject to the following terms of use.

Agreement

These Terms of Service ("Agreement") constitute a legally binding agreement between us and you regarding your use of this website and the services available through the website ("Services"). By using the Site and Services, you represent and warrant that you have read, understood, and agree to be bound by this Agreement and our Privacy Policy, which are hereby incorporated by reference and form part of this Agreement. IF YOU DON'T UNDERSTAND THIS AGREEMENT OR AGREE TO BE BASED BY IT OR ITS PRIVACY POLICY, YOU MUST IMMEDIATELY LEAVE THE SITE AND STOP USING THE SERVICE.

Not A Lender

We are a lead generation company. Some important Lead Generation disclosures here. Your use of this website is contingent upon reading this information. This website does not constitute an offer or solicitation of a loan. We are NOT Lenders, do not make loan or credit decisions or negotiate 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 Matching Service

Our Loan Matching Service connects consumers to our Lender Network as defined within these Terms of Use. LoanFlow.cc does not evaluate or review any application submitted on its site(s) but rather it forwards applications to prospective lenders immediately on submission. 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, phone number, email address, social security, bank account information, and employment information.

After you submit your online registration form(s), we will share your information with one or more participating Lead Buyer and store your information for compliance purposes and for information retrieval information you previously entered if you return to our Services. Key buyers who receive your information from us may review your information to determine if your information meets their loan eligibility criteria. Primary buyers can, among other things, verify your social security number, perform a credit check, and review your information against national databases (such as Transunion), Experian or Equifax) that tracks consumer transactions with lenders and other credit related data. In addition, we may also verify your information (such as your email address and mailing address), we may correct common spelling and typographical errors, and we may correct your data not entered correctly. By submitting the Request Form(s), you agree to allow Lead Buyer and us to collect, review, verify, and research your information.

If the lender buyer determines that the information you submitted meets their loan eligibility criteria, we will open a new website belonging to the Lead Buyer or redirect your browser to the buyer's website. You understand and agree that once you have been redirected to the primary buyer's website, we will not participate further in the loan application or approval process. Your subsequent interactions with a Lead Buyer are subject to the Privacy Policy, Terms of Service, and other policies and/or terms applied by that Lead Buyer.

Loan Amounts

Loan amounts will vary. Not all lenders can offer loans up to $150,000. Remittance times may vary between lenders and lenders; and in some cases, a fax may be requested. Completing this online form does not guarantee that you will be approved for a loan offer.

Also, if you are looking for a specific form of credit for which you are not eligible, you may receive offers for a form of credit that you are not looking for. The terms of the credit offered may be lower than what you were initially looking for. You are not required to accept or respond to any such request.

Agreement For Electronic Signatures, Records, And Declaration ("Electronic Consent")

Please read this information carefully and print a copy and/or keep it for future reference. Introduce. You submit a request to be connected to a third-party lender. In order to provide you with a loan, a third-party lender needs your consent to use and accept electronic signatures, records, and disclosures ("Electronic Consent"). We also need your electronic consent to enter into this agreement with you. This form informs you of your rights when you receive electronic disclosures, notices, and communications. By clicking on the link to accept our terms, you confirm that you have received this electronic consent and that you agree to transact, including this agreement, using an electronic signature, electronic disclosures, electronic records, and email contract documents ("Disclosures").

Options for paper or non-electronic documents. You may request any Paper Disclosures by contacting the third-party lender directly. Lenders will provide a free hard copy. Lenders will withhold all disclosures as required by applicable law. Scope of consent. This electronic consent applies to all online interactions between you and us and/or lending third parties and includes interactions made on any mobile device, including mobile phones. Phones, smartphones, and tablets. By performing this electronic consent, we and third-party lenders can process your information and interact with you electronically. We and the Lender may also send you electronic notices of interactions and transactions. Disclosures may be made available online at our websites or by third-party lenders and Disclosures may be provided by email. Consent to e-business. Before deciding to do e-business with us or a third-party lender, you should determine if you have the necessary hardware and software capabilities described below.

Hardware and software requirements. To access and maintain Electronic Disclosures, you will need to use compatible PC or MAC-compatible computer or other Internet-capable devices, access to an email account, and Internet. You will need a printer or long-term storage device, to keep a copy of the Disclosure for future reference. Withdraw consent. Your electronic consent to our lender matching service and to a third-party lender to review your loan application is not possible as it is a one-time transaction. If you are connected to one or more third-party lenders, you can withdraw your electronic consent from those third-party lenders at any time and without charge. However, if you withdraw this electronic consent before you receive the credit, you may be prevented from obtaining credit from the lender. Contact the third-party lender directly if you wish to withdraw this electronic consent. If you decide to withdraw this electronic consent, the legal effect, validity, and enforceability of previous electronic disclosures will not be affected.

Change your contact details. You must notify the Third Party Lender of any changes to your email or mailing address. Usually, you can update this information by logging into the third-party lender's website or by sending the lender the update in writing.

ACCESSIBILITY TO YOUR PUBLICATION. BY CLICKING THE LINK WE PROVIDE, YOU ACCEPT OUR TERMS. YOU CONFIRM THAT YOU CAN ACCESS THE PUBLICATIONS IN THE DESIGNED FORMATS DESCRIBED ABOVE.

CONSENT. BY CLICKING ON THE LINK WE PROVIDE, YOU ACCEPT THE FULL TERMS OF THIS AGREEMENT. YOU CONFIRM TO READ THIS INFORMATION ABOUT ELECTRONIC SIGNATURES, PROFILES, DISCLOSURES, AND ELECTRONIC BUSINESS. YOU AGREE TO THE USE OF ELECTRONIC SIGNATURES, THAT ALL DISCLOSURES ARE PROVIDED OR AVAILABLE TO YOU ELECTRONICLY AND FOR BUSINESS WITH THE LENDER. YOU CONFIRM THAT YOU CAN REQUEST A HARD COPY OF THE RECORDS AND AN ELECTRONIC STATEMENT WILL BE PROVIDED TO YOU WITHOUT CHARGE. IF YOU REFUSE TO CONTINUE YOU DO NOT WANT TO USE THE DIGITAL SIGNATURE OR COMPLETE THIS ELECTRONIC TRANSACTION. YOU ALSO CONFIRM THAT YOUR AGREEMENT TO ELECTRONIC DISCLOSURES IS NEEDED TO RECEIVE SERVICES FROM US OR THIRD PARTY LENDERS ON THE INTERNET.

Changes To The Agreement And Privacy Policy

WE HAVE THE RIGHT TO CHANGE THIS AGREEMENT AND THE AGREEMENT'S PRIVACY POLICY AT ANY TIME AFTER NOTICE TO YOU BY POSTING A NEW VERSION OR NOTICE OF CHANGES ON THE WEBSITE. YOU ARE RESPONSIBLE TO REVIEW THIS AGREEMENT AND PRIVACY POLICY. IF AT ANY TIME YOU SEE ANYTHING UNACCEPTABLE, YOU MUST IMMEDIATELY LEAVE THE SITE AND STOP THE USE OF THE SERVICE. Unless we receive your express consent, any revised Privacy Policy will only apply to information collected by us after the revised Privacy Policy becomes effective and does not apply to information collected in accordance with the previous Privacy Policy.

Eligible

We do not seek to do business with residents of Arkansas, Arizona, Georgia, Virginia, West Virginia, Arizona, Arkansas, Connecticut, the District of Columbia, Maryland, New York, New Jersey, North Carolina, Pennsylvania, Massachusetts, Vermont, and Ohio. BY USE OF THE WEBSITE OR SERVICES, YOU represent and warrant that YOU are AT LEAST 18 YEARS old, AN RESIDENCE OF THE USA, CANADA, AUSTRALIA, AND THE UNITED KINGDOM(BUT NOT RESIDENTIAL OF ARKANSAS, ARIZONA, GEORGIA, OREGON KIA, OR COUNTRY, OR ANY OTHER STATE HAS OTHER LOANS OF PRODUCTS PROHIBITED BY LAW), AND OTHER ELIGIBLE QUALIFICATIONS FOR ENTERPRISE AND CONTRACT PERFORMANCE LAW.

License

Subject to your compliance with the terms and conditions of this Agreement, we grant you a non-exclusive, non-sub-licensable, revocable, and non-transferable license to use the Website and Service. THE SITE AND SERVICES ARE FOR YOUR PERSONAL AND NON-COMMERCIAL USE ONLY (EXCEPT AS EXPRESSLY EXPRESSED HERE). The Website or any part thereof may not be copied, reproduced, modified, sold, resold, or distributed without our express written consent. Except as expressly provided herein, this Agreement does not grant you any rights to or to the intellectual property of us or use of by you or any other party. The license granted in this section is subject to 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 shall terminate immediately.

User Information

As part of your use of the Service, you must complete a form. You represent and warrant that all user information you provide on a form or otherwise in connection with your use of the website and the services will be current, complete, and accurate.

Relationship And Obligations of The Parties

You acknowledge and agree that you and your Lender(s) enter into direct contracts with each other to receive or provide certain financial loan products. We are not a party to any contract between you and the lender for loan products, nor are we entered into any contract between you and the lender. All rights and obligations with respect to loans are solely between you and the lender. WE DO NOT CONTROL AND DO NOT REPRESENTATIVE OR WARRANTIES OF THE QUALITY, ACCURACY, RELIABILITY, COMPLETE, BENEFITS, SAFETY, OR LEGALITY OF LENDERS ABILITY, YOUR LOAN PAYBACK, OR THAT YOU OR LENDER PARTICIPATE IN A LENDER TO CONSUMER RELATIONSHIP. You and the Lender shall rely solely on the other to enforce and exercise all of your respective rights and obligations with respect to the Loan and any terms, conditions, representations, or warranties and other in connection with such transactions.

Consent By Email

By completing a loan application form through the Website, you agree to receive certain administrative email communications from us and our key buyer and marketing partners. You also agree to receive periodic online and offline marketing communications from us, our key buyers, and marketing partners. You may opt out of receiving marketing communications at any time by clicking the unsubscribe link and following the unsubscribe instructions.

Agree To Receive Text Messages And Other Notices From Lenders And Other Persons

By registering with the Website, you will be given the opportunity to provide your express prior written consent to receive communications, including by post, email, text message, and telephone, from lenders and marketing partners. You agree (and your agreement to these Terms constitutes your express written consent) to Lenders and Marketing Partners to contact you at the telephone number you have provided, to Discover Personal Loans and other services, including automated, artificial, or pre-recorded voicemail contacts before dialing systems or one-time or recurring text messages. Lenders and marketing partners with whom you agree to allow contact include, but are not limited to, the non-affiliated parties listed at this link. Standard messaging and data rates may apply to SMS communications. You can also choose not to contact other lenders and marketing partners by disagreeing at the time of applying for a loan. Messages can be delayed or not delivered because of many factors. Lenders, carriers, and any service providers used by Lenders to send messages are not responsible for delayed or undeliverable messages. You can sign up for SMS alerts to receive a one-time message with a secure link to your loan application form, or you can Sign up to receive special SMS reminders and receive monthly recurring messages. You can unsubscribe from SMS at any time.

Third-Party Sites

The Website may link to third-party websites ("Third Party Sites"). We do not control the content and performance of third-party websites. WE HAVE NOT REVIEWED AND CANNOT REVIEW OR REVIEW ANY DOCUMENTS, GOODS, OR SERVICES AVAILABLE ON OR THROUGH THIRD-PARTY SITES. THEREFORE, WE DO NOT REPRESENT, WARRANTY, OR VERIFICATION OF ANY THIRD-PARTY SITE OR ACCURACY, CURRENCY, CONTENTS, RELEASE, LEGALITY, OR QUALITY INFORMATION, CHEMICALS, OR SERVICES AVAILABLE ON THIRD-PARTY SITES. WE DISCLAIMER AND YOU AGREE TO BE RESPONSIBLE FOR ANY DAMAGE OR OTHER DAMAGE TO YOU OR THIRD PARTIES, BY YOUR USE OF THIRD-PARTY SITES.

Advertisement Disclosure

LoanFlow.cc is completely free; we will never charge you for our service. Instead, LoanFlow.cc receives a fee or commission for referrals to its lenders or channel partners. We are a lead generation company. For more information on how this works, see Some Lead Generation Disclosures.

LoanFlow.cc cannot guarantee that all lenders or all loan types will be available at the time you use our services. Underwriting approval criteria are determined by the lender (not LoanFlow.cc). If you are approved for a loan, it is imperative that you review the lender's terms and conditions to ensure that you understand all repayment terms. You are not obligated to accept the conditions the lender offers you.

If you are referred to a loan offer, you need to consider whether the loan is right for you and your personal financial situation. All rates, fees, and conditions are presented without guarantee and are subject to change by the lender.

Prohibited Uses

We impose certain restrictions on your use of the site and the Services. you represent and warrant that you will not, without limitation:

(a) violate or attempt to violate any security features of the site or Services;

(b) copy or otherwise duplicate, directly or indirectly, any portion of the site, including without limitation, all designs, information, photographs, images, drawings, videos, music, text, typefaces, graphics, products, code, and other files, and the selection, arrangement, and organization thereof (collectively, "Content"), except that you may retain a copy of this Agreement, or Privacy Policy and any other Documents;

(c) provide false, misleading, or inaccurate information to us or any Lender;

(d) impersonate, or otherwise misrepresent affiliation, connection, or association with, any person or entity;

(e) interfere or attempt to interfere with the use of the site or Services by any other user, host, or network, including, without limitation by means of submitting a virus, overloading, "flooding," "spamming," "mail bombing," or "crashing";

(f) use the website or the Service to send unsolicited emails, including but not limited to promotional or promotional emails for products or services;

Disclaimer; Limited

(a) NO WARRANTY.

WE DISCLAIM ANY WARRANTIES. SITE AND SERVICES ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS. TO THE MAXIMUM PERMITTED BY LAW, WE ABSOLUTELY ABSOLVE ALL AND ANY WARRANTIES, EXPRESSED OR IMPLIED, FOR THE WEBSITE, INCLUDING EVERYTHING EXPRESSED ABOUT MERCHANTABILITY, FITNESS FOR A SPECIFIC PURPOSE, OR NO VIOLATION. WE DO NOT GUARANTEE THAT THE SITE OR SERVICE WILL RESPOND TO YOUR REQUIREMENTS OR THAT THE ACTIVITY OF THE SITE OR SERVICE WILL BE UNINTERRUPTED OR EFFICIENT.

(b) YOUR RESPONSIBILITY FOR LOSS OR DAMAGE

YOU AGREE THAT YOU ARE RESPONSIBILITIES RISK FOR YOUR USE OF THE SITE AND SERVICES. YOU DO NOT HOLD US OR OUR LENDERS, AND SUPPLIERS, AS THESE, RESPONSIBLE FOR ANY LOSS OR DAMAGE BY YOU ACCESSING THE WEBSITE ARE NOT COVERED UNDER ANY AGREEMENT. LIMIT ANY LOSS OR DAMAGE TO ANY OF YOUR COMPUTER OR DATA. INFORMATION AND SERVICE MAY CONTAIN ERRORS, PROBLEMS, OR OTHER LIMITATIONS.

(c) LIMITATION OF LIABILITY

OUR LEGAL LIABILITY IS LIMITED. WITHIN THE MAXIMUM OF THE LAW ALLOWED, IN ALL CASES WE WILL NOT BE LEGAL RESPONSIBILITY FOR ANY SPECIAL, RANDOM DAMAGE OR AS A RESULT, LOSS OF PROFITS, DATA LOSS, OR INFORMATION SECURITY. CONFIDENTIALITY OR OTHER, LOSS OF PRIVACY, COST OF PURCHASING OR REPLACEMENT SERVICES, WITHOUT PERFORMANCE OF ANY OBLIGATIONS, INCLUDING, WITHOUT LIMITATION, TRUTH OR WARRANTY OR GUARANTEE, OTHER, ANY PROSPECTUS OF THESE DAMAGES OR ANY ADVERTISEMENT OR OPINION, ARRIVING OUT OF OR IN RELATED TO YOUR USE OF THE SITE OR OTHER. THIS LIMITATION APPLIES TO ANY DAMAGE BY OR VIOLATION OF CONTRACT, ANY THEORY, OR LEGAL ACTION. FURTHERMORE, OUR MAXIMUM LEGAL LIABILITY TO YOU, IN ANY CASE, WILL BE $50.00. YOU AGREE THAT THIS LIMIT OF LIABILITY EXPRESSES REASONABLE DISTRIBUTION OF RISK AND IS A BASIC FACILITY OF NEGOTIATION BETWEEN US AND YOU. THE SITE AND SERVICES WILL NOT BE PROVIDED WITHOUT THESE LIMITATIONS.

(d) LOAN REQUEST FORM

THE ABOVE DISCLAIMERS, WAIVERS, AND LIMITATIONS DO NOT IN ANY WAY LIMIT ANY OTHER DISCLAIMER OF WARRANTIES OR ANY OTHER LIMITATION OF LIABILITY IN THIS AGREEMENT OR ANY OTHER AGREEMENT BETWEEN YOU AND US. SOME JURISDICTIONS MAY NOT ALLOW THE EXCLUSION OF CERTAIN IMPLIED WARRANTIES OR THE LIMITATION OF CERTAIN DAMAGES, SO SOME OF THE DISCLAIMERS, WAIVERS, AND LIMITATIONS OF LIABILITY CONTAINED HEREIN MAY NOT APPLY TO YOU. UNLESS LIMITED OR MODIFIED BY APPLICABLE LAW, THE FOREGOING DISCLAIMERS, WAIVERS, AND LIMITATIONS SHALL APPLY TO THE MAXIMUM EXTENT PERMITTED, EVEN IF ANY REMEDY FAILS ITS ESSENTIAL PURPOSE. NO ADVICE OR INFORMATION, WHETHER ORAL OR WRITTEN, OBTAINED BY YOU THROUGH THE SITE OR OTHERWISE SHALL ALTER ANY OF THE DISCLAIMERS OR LIMITATIONS STATED IN THIS SECTION.

Indemnity By You

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 indemnified parties have the right but are not obliged, to engage through counsel of their own choosing in the defense of any claim for which you are required to defend, indemnify or hold harmless liability of the indemnified parties. You may not settle any Claim without the prior written consent of the affected Indemnified Parties.

Applicable Law; Authority And Location

The Website, Services, and this Agreement, including but not limited to the interpretation of this Agreement, shall be treated as if this Agreement was entered into and performed in New York, New York, and shall be governed by and construed under the basic laws of the State of New York regardless of its conflict of laws principles. ANY CAUSE OF ACTION OR COMPLAINT OF YOURSELF ARRIVING OUTSIDE OF THIS SITE, SERVICE, OR AGREEMENT MUST BE PROVIDED WITHIN ONE (1) YEAR AFTER THE INCIDENT OR FOREVER, CANCEL ALL ACTIONS WHICH WILL BE SUBJECT TO THE LIMITATIONS SET UP. The language of this Agreement shall be construed to its full meaning and not wholly for or against any party.

You and we agree that any dispute, of any nature, between you and us (including any claim against any indemnified party) arising out of or in connection with the Website, service or this Agreement and including any legal claims (such as under the Honest Lending Act or the Telephone Consumer Protection Act), shall be decided by arbitration in accordance with the following commercial rules that is obtained from the American Arbitration Association (AAA) in Las Vegas, Nevada (unless you and we mutually agree on another forum or arbitration). The arbitrator's final judgment or award may then be rendered by the prevailing party and duly registered in the appropriate court as the final award. The arbitrator may award costs (including but not limited to AAA administrative fees, arbitrator's compensation, and reasonable attorneys' fees) to the prevailing party. All disputes, including representative claims, against us and/or our related third parties will be resolved solely by binding arbitration on an individual basis with you. THEREFORE, THE AUTHORIZATION DOES NOT PROCEED THE CLASS ARBITRATION; MEANING, THE AGREEMENT DOES NOT ALLOW YOU TO ACT AS A REPRESENTATIVE, PRIVATE AGRICULTURE GENERAL, OR ANY OTHER REPRESENTATIVE IN THE ARBITRATION. THE AUTHORIZATION HAS NO AUTHORITY TO: (a) MAKE A PRIOR COPYRIGHT BANNED ARBITRATION, or (b) CONSOLIDATE THE COMPLAINTS OF MULTIPLE COMPLAINTS WITHOUT ALL CONSENTS.

Notice

All notices required or permitted to be given under this Agreement must be in writing. We will provide you with any email notification sent to your most recent email address, if applicable, provided to us. You agree that any notice received from us electronically meets any legal requirement that such notice be in writing. YOU ARE ONLY RESPONSIBLE TO GUARANTEE THAT YOUR EMAIL ADDRESS IN THE RECORD WITH US IS ACCURATE AND UPDATED AND THE NOTICE WILL BE RESPONSIBLE WHEN WE SEND THE EMAIL. You must send us any notices by email at: support@loanflow.cc. Notice to us will be effective upon receipt.

Overview

This Agreement (together with any language associated with the "I Agree" button or other means of consent to this Agreement) constitutes the entire agreement between you and us regarding your use of the Site and Services. This Agreement may only be modified by a written amendment signed by our authorized employee or by unilaterally modifying this Agreement by us and posting by us such revised version. If any part of this Agreement is held to be invalid or unenforceable, that part shall be construed to reflect the original intentions of the parties, and the remaining portions shall remain in full force and effect. A waiver by either party of any term or condition of this Agreement or any breach thereof, in any event, no waiver of such term or condition or any subsequent breach for this. This Agreement and all of your rights and obligations hereunder shall not be assigned or assigned by you without our prior written consent. This Agreement shall be binding on and beneficial to the parties, their successors, and authorized assigns. You and we are independent contractors and no agency, partnership, joint venture, or employee-employer relationship is intended or created by this Agreement. Except for the scope provided herein, no third party shall benefit from this Agreement. The headings in this Agreement are for convenience only and shall not limit, extend or affect any covenants, terms, conditions, or provisions of this Agreement.