The terms and conditions mentioned below are an agreement between loantik.com (also called as “Company”)and user (“You” or “Your”). These terms and conditions govern the use of this website (referred to hereafter as the “Site”).
This Site is an online marketplace that acts as a bridge between companies that are involved in the business of distributing loans and users like You who are looking to borrow money.
Please read through the terms and conditions before using this Site as your continued use implies that you have read and understood these terms and conditions.
Don’t use the Site or Company’s services if you don’t accept these terms.
The company is not a broker, lender or financial institution and hence, has no role in lending or credit decisions. The Company does not lend money to anyone nor is involved in any direct financial transaction with You. Rather, the Company acts as a bridge that connects You to a network of independent third-party loan providers (hereinafter referred to as “Financial Service Providers”). When You register with the company, You are simply connected to the Financial Service Providers who offer loans anywhere between $100to $2,500. The choice of lending, as well as the amount, depends on the Financial Service Provider, and the company has no role in it whatsoever. Also, all Financial Service Providers may not offer loans up to $1,000due to their lower financial capacities or other reasons that the Company has no control over. The Company does not make any offers or promises in this regard.
The Company gets its revenue from the advertising given by the Financial Services Provider. However, this does not mean that the Company patronizes the services of any Financial Service Provider. Moreover, the loan conditions offered by the Financial Service Providers who are listed on this Site may not always suit Your requirements. If you are unsure about any aspect of the loan given by the Financial Service Provider, you may consult a professional before making Your decision. The Company takes no responsibility towards the offer made by the Financial Service Providers, and there is no involvement of the Company whatsoever in these decisions. Furthermore, the Company has no role in determining how a Financial Service Provider may use the information given by You.
By providing your personal details such as Your Social Security number and date of birth, you are authorizing the Financial Service Provider to use this information to do credit checks or background checks, as required by the operations and policies of each Financial Service Provider. The Company does not do these background or credit checks and is in no way responsible for the outcome of these checks.
The Company does not guarantee the availability of any loan product or service of any Financial ServiceProvider. The Company merely runs the Site and is not responsible for the information advertised by any Financial Service Provider. Nor do we guarantee that any product or service is ideal for You. The Company simply displays the information provided by any Financial Service Provider at a given point without verifying the availability or details of any product or service offered.
If the loan offered by any Financial Service Provider matches Your need, then You enter into a formal agreement with that Financial Service Provider. This agreement including its terms and conditions have nothing to do with the Company. In other words, the Financial Service Provider drafts the agreement, so it is Your responsibility to go through the details and understand it before signing the agreement. The Company has nothing whatsoever to do with the agreement. If You have any questions or doubts regarding the agreement or any other aspect of the loan, You are requested to contact the Financial Service Provider directly to clarify your questions.
When You use this Site, you are agreeing to use it only for the purpose mentioned in the terms and conditions. Any other unlawful representation or reproduction of the content displayed on this Site is strictly prohibited. Any other use of this Site or its content for commercial purposes is deemed to be unlawful.
The ownership, content, logo, information and anything else displayed on this Site belong to the Company and are governed by the Intellectual Property laws in the United States. When You use this Site, you do not get ownership to anything present on the Site. Any reproduction, duplication, resale, copying or other exploitation of the content, arrangement, organization, and design is considered illegal, and hence such actions are strictly prohibited.
Disclaimer of Warranties
This site and the services offered by the company are available “as is” and on the basis of stated availability. they are accessed and used at your own risk after understanding the terms and conditions. this company makes no warranties or guarantees whatsoever with the service or any product, and they are subject to change without any prior intimation. also, the company does not guarantee that its products will meet your requirements at any given point in time or that the services offered by the company will be uninterrupted, secure or error-free. the software and other technologies used by the company may come with errors that will be corrected by the company when possible. the company does not guarantee that any third-party software, websites, and tools will be secure or error-free. as a result, the company will not accept any liability arising out of such errors or problems. this company has not reviewed or verified the links of third-party providers and financial service providers present on the site. it is up to you to visit these third-party links and accept the product or services offered by them. by visiting such links, you are at your own risk and the company is not liable for any losses accrued to you through such actions.
Limitation of Liability
The company is not responsible for any direct, indirect, consequential, incidental or any other form of loss or damage that you may be subject to due to the use of the site and the services provided by third-party financial service providers who have listed themselves as loan providers on this site. the total liability of the company in the case of any loss or damage to you is limited to the extent of money you have paid to access or use this site.
Some jurisdictions do not recognize or allow the exclusion of certain specific warranties such as incidental or consequential damages, and in such cases, the company will adjust our liability to the maximum extent permitted by law.
When you submit your information on this Site, you are granting access to the Company, Financial service providers and other third-party partners to contact You through a range of media such as email, telephone or by address. If You do not wish to receive such information, then You have to remove Your details through the company’s opt-out mechanism.
Third-Party and Third Party Websites
The Site may contain information about the services offered by third-party partners and a possible link to their websites. The company does not guarantee the accuracy of the information on these websites and does not endorse them in any way. These are present only for Your information, and You access these websites at Your own risk. The Company is not liable for any damages or losses You may incur due to the access of these websites or the services of these third-party partners. Any communication that You may have with such third-party companies, including Financial Services Providers, are at Your own risk and the Company is not responsible in any way for such communication or the consequences thereof.
Electronic Communication, Notifications, and Electronically DeliveredInformation
The Company, Financial Service Providers and third-party companies associated with the Site may choose to use the electronic medium for communication. Such communication may include a request for additional materials, notices, providing information, marketing materials sending state laws, Federal laws or any other documents pertinent to the service being offered by such companies. This communication can come from the Company, Financial Service Provider or any third-party partners of the Company.
By continuing to use this service, you agree to receive such current and future communications electronically. These electronic communications will be sent to the email address provided by you at the time of application or an alternate email address that the Company may obtain through a Financial ServiceProvider or third-party. You agree that technically you are able to receive and save documents and communication electronically from the Company, Financial Service Provider and third-party companies. You also have the right to receive all communication through non-electronic channels. To do so, withdraw your consent to receive documents electronically by emailing to [email protected]
Any dispute that may arise due to Your use of the Site or the Company’s services are subject to the provisions and laws of the state which licenses or authorizes the service upon which the complaint is made, regardless of any other choice of law or conflicts between local laws and provisions. If you encounter any such dispute, you are requested to formally submit Your complaint or dispute for arbitration to the corresponding association or institution authorized to resolve such cases in accordance with state and federal rules and regulations that are valid at the time of submission of Your dispute.
Any dispute that arises between you and the company will be resolved only through arbitration. by agreeing to this term, you explicitly give up your rights to represent Yourself individually or through legal counsel in front of any judge or court. also, you agree to waive your right to class action suits when you continue to use this site.
The arbitrator appointed by the American Arbitration Council to oversee the dispute between You and the company cannot award damages that exceed the maximum compensatory damages and the arbitrator does not have the right to multiply any of the damages claimed by You. Moreover, the arbitrator does not have the right to award any punitive, incidental and consequential damages arising out of Your dispute. By using this Site, You waive Your right to these damages as well. The judgment provided by the arbitrator will be binding on you, though the Company may choose to file an action in any court within the jurisdiction of the corresponding location or place with the authorities to handle such cases in lieu of this alternate dispute method. If You do not agree to these arbitration clauses, then You should send a letter in writing to the Company within ten days (10) of accepting these terms and conditions. You must send the request to loantik.com. The letter should clearly have Your first and last name, telephone number, address and email address along with the statement “I reject the arbitration clause of the Company contained in its terms and conditions.”When You choose to reject, it is Your responsibility to bring up a legal case to any court located within the jurisdiction of the corresponding location or place with the authorities to handle such cases within one year of the occurrence of the damage, otherwise, it will be deemed void.
The products or services offered in the Site cannot be exported or downloaded in the following countries or by the residents of these countries:
- North Korea
- Any other country that the US has embargoed goods and services
These services may not be distributed or used by individuals who belong to the United States TreasuryDepartment’s list of Specially Designated Individuals or the US Commerce Department’s Table of Denial Orders. By using the services of the Company, You declare that You do not violate these export restrictions. By using the services of the Company, you warrant you don’t belong to any of the stated lists.
When You use the services of this Company, You agree to indemnify the Company, its parent company, subsidiaries, affiliates and each of its individual members, directors, employees, agents, bankers,co-partners as harmless and hence, are not subjected to any liability or claims that may be brought by You due to (a) Your use of the Company’s Site, (b) Your breach of the terms and conditions laid out in this document, and (c) Any dispute that may arise between You and any other third-party. Each of the above-mentioned members will have the right to assert this provision in the event of a dispute, claim or proceeding brought by You.
The terms and conditions laid down in this document comprise the entire understanding of the provisions and agreements between You and the Company, and it supersedes any prior information or notices You may have received in this regard. The company’s failure to enforce any of these provisions will not mean a waiver of these provisions at any time.
The Company reserves the right to make changes to these terms and conditions at any time and without giving prior notice. These changes will take effect immediately, and Your continued use will imply Your acceptance to these changes.
The failure of the Company to enforce any of the provisions contained in these terms and conditions will not be deemed as a waiver of these rights, nor will it diminish the right of the Company to enforce it at any time. If any of the provisions contained in these terms and conditions are against the local laws, then such provision will be severed, but the remaining terms and conditions will continue to be in force.
The headings present in these terms and conditions are for understanding purposes only and will not alter or diminish the meaning of the provisions contained in this document.
The Site and related services are provided by loantik.com. If you have a request, complaint or inquiry regarding the services rendered by the Site, please, contact us via [email protected] In case you consider your issue treated improperly, you can also contact the corresponding organizations in your state of residence authorized to review or resolve the cases of the kind.
By using the site, you agree to abide by the above terms and conditions.