PRIVACY POLICY and TERMS AND CONDITIONS
PRIVACY POLICY
Loanplaces.org (after this referred to as we, our, ours, us, Website) acts under the federal, state, and local laws of the United States of America. The services suggested by us can only be used by US residents who are at least 18 years old.
The Website privacy policy is a formal document defining the usage of information provided by the user (after this referred to as You, Your, Yours) to the Website. It describes how to imply the personal and non-personal information collected by the Website.
Personal information relates to an identified or identifiable natural individual. It can include addresses, telephone numbers, emails, IP-addresses, localization, account data, income, health information, and even your behavior on the Website. Note that cookies can record user’s activities on the browser. Non-personal information is the data that may not directly identify or be used to contact a specific person.
Submitting your information through the application form suggested by the Website, You accept the following Privacy Policy and confirm Your full understanding of it.
In case of not accepting or refusing the information given in this Privacy Policy, You should stop using our services and should not register and/or share Your information with us.
Personally Identifiable information
Our users’ personal information is adequately protected by our highly reputable security procedures and reliable methods of encryption. After submitting your information, We search and match it with suitable lenders we contract with, who potentially provide You the loan products. Please, note that with a click on the relevant button or ticking the box of consent, You authorize us to use Your information the way defined herein. The information that is being shared with our third party lenders can be used with a purpose to verify Your identity (via SS number and/or driving license number, for example) and Your information.
Third Parties
As described above, third parties have access to your Personal Information. However, they are obligated to keep Your information secure. Third parties are liable not to disclose or use the information for any other purpose and are in no way authorized to share Your information with other third parties.
Cookies
Like many interactive Websites, Loanplaces.org suggests Cookies, which are used to identify Your computer, collect information, and improve our services. You have the option to either accept or refuse these cookies and know when a cookie is being sent to Your device. If you choose to refuse our cookies, you may not be able to use some of our services.
E-Consent
Federal Electronic Signatures in Global and National Commerce Act signed into law on June 30, 2000, provides a general rule of validity for electronic records and signatures for transactions in or affecting interstate or foreign commerce. According to this Act, the users who give their consent and e-sign electronic documents thus agree to receive documents, disclosures and notification in electronic format, provide the information via electronic means and allow sharing of this information according to the provisions of privacy policies, terms of use and other applicable laws and regulations and conduct business electronically. Any of such electronic communication received has the form of “in writing” and has the same force and effect. The copy should be printed for records.
Different states, different laws
Your personal information used in the Website is regulated differently according to each state’s federal rules and regulations. In case of specific state regulations, you may directly contact us to obtain all the necessary information for your case in appropriate detail. In this case, every request will be processed individually. However, we reserve the right to refuse to process such an appeal if the inquiry has been sent from the user who legally resides in the state where such specific regulations are not applicable.
Feedbacks and reviews
We highly appreciate your support in the shape of reviews or feedbacks. Leave your comments for us to improve our services and products. However, note that the comments, which include swearing words, will automatically be referred for moderation and usually deleted.
Updates and changes
We advise our customers to review our Privacy Policy periodically and get acquainted with all changes applied. We will inform our clients about any changes by updating our page of Privacy Policy. After being posted on the webpage, these changes come into force.
TERMS AND CONDITIONS
Welcome to Loanplaces.org (after this referred to as the Website)!
Thanks for using our products and services (after this referred to as Services). Using our Services, you agree to these terms and conditions (after this referred to as the Terms). Carefully read these Terms and Conditions before using the Website. In case you don’t agree or don’t understand the Terms, please leave the Website.
To use our Services, you apply by filling out an application form (after this referred to as the Request Form) suggested by the Website. The Request Form requires some personal information, including your name, address, email address, telephone number, SS number, bank account information, and employment information. The procession of the provided information is determined by and subject to the Website’s Privacy Policy.
Commitments
Loanplaces.org does NOT have liabilities to make any commitments regarding the loans or credits. The Website is NOT the lender and does NOT provide any guarantees that the Lender will make a loan offer or any offer will establish specific loan terms and conditions. The Website connects our clients with lenders existing within our network (the “Lender Partners”).
According to the Website’s Privacy Policy, Loanplaces.org shares your data with the Lender Partners after submitting the Request Form. Submitting the Request Form also allows the Website and the Lender Partners to contact you by email, telephone, or direct mail to process your request or provide you additional information. After receiving your Request Form, the Lender Partners review the data to determine whether the data meets their requirements or not. They have the right to perform a formal credit inquiry (Hard Check) or an informal inquiry (Soft Check) via TransUnion, Equifax, or Experian (the “Big Three”) or through other alternative agencies such as Microbilt, Teletrack, DP Bureau, or DataX. If your Request Form meets the set criteria, your application will be sent to the respective lender. Loanplaces.org does NOT have any further involvement with the loan procession. Thus, we advise you to thoroughly get acquainted with the Website’s Privacy Policy and Terms and Conditions.
Electronic Communications
After submitting your Request Form, you agree to receive notifications, disclosures, and other documents and communications from Loanplaces.org and the Lender Partners in an electronic form regarding your loan. Note that the Lender Partner is authorized to execute an electronic loan contract for further cooperation. Any of such electronic communication received has the form of “in writing” and has the same force and effect. Your electronic signature is as valid as a physical signature on a paper loan contract. The copy should be printed for records. For exact and specific details, please, contact the lender to learn more about this process.
Validity
By providing your data via the Request Form, you acknowledge the truthfulness and accuracy of the information; otherwise, Loanplaces.org is entitled to deny, cancel, or terminate your use of our Service.
Modifying the Services
The Website is constantly changing and modifying its services. We may add or remove features or suspend or stop providing any Services without any prior notice. In case the Website considers your activities as a violation or inappropriate towards these Terms, or any other third party, it has the right to deny your access to all or part of the Service without prior notice.
Disclaimer
The information on this Website is provided on an “as is” basis. To the fullest extent permitted by law, Loanplaces.org excludes all representations and warranties concerning this Website and its content or that are or may be provided by affiliates or any other third party, including any inaccuracy in the Website. Loanplaces.org also excludes any liability for damages in connection with your use of this Website. We are not responsible for lost profits, revenues, financial losses, damages caused to your computer or software, systems or programs, or any other direct or indirect faults.
The Loanplaces, the Lender Partners, Advertisers, Subscribers, Affiliates, Employees, Content or Service Providers are NOT responsible for any incidental, consequential damages or injuries associated with or obtained through this Website resulting from any elusive behavior, negligence, strict liability, even if the Lonaplaces.org or the Lender Partners warned the possibility of damages.
The liability of Loanplaces.org, the Lender Partners, their Affiliates, Employees, Content or Service Providers shall be limited to the greatest extent permitted by each state’s regulations and jurisdiction if that vary state does NOT allow the limitation of liability and disclaimer of implied warranties.
Consider that the use of this Website and the Service remains solely at your own risk and responsibility.
Security
Herewith, you agree to indemnify Loanplaces.org and the Lender Partners from and against any liabilities, expenses (including attorney’s fees), and damages arising out of any claims resulting from your use of the Website.
Links to other Websites
Our Service may contain links to third party websites or services that are not owned or controlled by Loanplaces.org. The Website does NOT have any control over or responsibility for the content, privacy policies, terms of any third party website. Evaluate the security and reliability of any other site accessed through this Website before disclosing any personal information with them.
Dispute Resolution
Dispute resolution is the process of resolving a dispute or a conflict by meeting at least some of each side's needs and addressing their interests. Any conflict arising out of or relating to the use of this Website, to the use of the Service, or to any acts or omission for which you may contend the Loanplaces.org is liable (a “Dispute”) shall be settled exclusively under the commercial arbitration rules of the American Arbitration Association in effect at that time. The arbitration is conducted in Los Angeles, California, and judgment on the arbitration award may be entered into any competent jurisdiction court. No arbitrator will have the power to award damages in connection with any Dispute over actual compensatory damages and will not multiply actual damages or award consequential, punitive, or exemplary damages. Each party irrevocably waives any claim to it. The agreement to arbitrate will not be construed as an agreement to the joinder or consolidation of arbitration under this agreement with arbitration of disputes or privileges of any non-party, regardless of the nature of the issues of conflicts involved.
By acknowledging these terms, you stop making attempts to settle any claims with Loanplaces.org in a court of law or before a jury. You also give up your right to take part in or bring class actions. By using the Loanplaces.org service, you agree to all the restrictions. You also agree that regardless of any statute or law to the contrary, any claim or cause of action arising out of or related to the use of the services must be filed within one year after such claim or cause of action arose or be forever barred.
Other Terms
These Terms constitute the entire agreement between you and Loanplaces.org. The laws of California shall govern these Terms without regard to its conflict of law principles.
Severability
Suppose any clause, state, or part of these Terms is becoming unenforceable or invalid under the applicable legislation. In that case, the clause, state, or part shall be deemed superseded by a valid and enforceable provision that most closely correlates the real intent of the original clause, condition, or part of these Terms, as well as all the remaining provisions, clauses or parts of these Terms, shall remain in full force.
Waiver
Failure of either party to insist upon strict compliance with any of the terms of these Terms, or the negligence of either party to exercise any right or remedy to which it may be entitled, shall not constitute a waiver thereof and shall not be construed under these Terms and Conditions. No waiver is effective unless made in writing and signed by both parties.
