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TERMS OF USE

Welcome to Shorttermloans.com (hereinafter referred to as �Company� "we," "us," or "our"). Before you begin to use the shorttermloans.com ("Website"), please take a moment to review these Terms of Use ("Agreement") which is a legal agreement. The Agreement describes the terms and conditions which govern your use of the Website and the products and services provided through or in connection with the Website (collectively, "Service"), which may be updated by us from time to time. Any changes in these Terms will be enforced from the date of the revision or change forward without further notice to you. You will be bound by the update the next time you use our service following the posted revised date. You must read and agree with all of the terms and conditions contained in this Agreement and the posted Privacy Policy then in effect ("Privacy Policy"), which is incorporated by reference, before you use the Service. If you do not agree to be bound by the terms and conditions of this Agreement, you may not use or access the Service.

1. LEGAL AGREEMENT.

YOU ARE ENTERING INTO A LEGAL AGREEMENT AND AS SUCH YOU MUST READ THE FOLLOWING TERMS AND CONDITIONS CAREFULLY. IF YOU DO NOT AGREE WITH THE TERMS AND CONDITIONS AND THE POSTED PRIVACY POLICY THEN YOU ARE NOT AUTHORIZED TO ACCESS OR USE THIS WEBSITE FOR ANY PURPOSE AND DO NOT PROVIDE ANY INFORMATION OR USE ANY OF THE SERVICES OF OUR WEBSITE OR PRODUCTS OFFERED. YOU MUST BE 18 YEARS OF AGE AND POSSESS THE LEGAL AUTHORITY TO ENTER INTO AN AGREEMENT TO USE THIS WEBSITE.

2. SERVICES.

We are a referral service, matching consumers with prospective lenders participating in our network of lenders ("participating lenders"). We will also use third party networks of lenders to help you find a loan that meets your qualifications and requests. To use our service, you must complete the registration form accurately and completely. This includes your name, address, telephone number, email address, social security number, banking account and employment information. Please note that you must be 18 years of age to use our services. Once you submit the registration form, we share that form with participating lenders and third party networks of lenders. By submitting your registration, you agree that you are requesting a referral for a loan from each of the participating lenders with whom we share your registration. As such, you are expressly requesting the participating lenders with whom your registration is provided to contact you by email, telephone and direct mail so that they may assist you in obtaining the loan requested. They may also provide information to you about additional services and products.

The submission of your registration information is made and reviewed in real-time to determine whether you meet the lender's loan qualification criteria. Participating lenders may, among other things, verify your social security number, perform a credit check, and review your information against national databases that track consumer transactions with lending institutions. By submitting the registration form to us, you agree to allow participating lenders to review, verify, and research the information your provided.

If a participating lender accepts you as an applicant, you will be redirect to the lender's website. You understand and agree that, once you have been redirected to the lender's website, we have no further involvement in your loan application or approval process. Any further interactions or communications with the lender are subject to such lenders privacy policy, terms of use, and other policies and/or terms and conditions of the lender.

Please remember that we are not a lender and do not make loans or credit decisions in connection with our Services. As such, we do not guarantee acceptance by any particular lender or a particular loan program or product. All loan terms and conditions are that that of the lender. We do not guarantee any loan availability, rates, fees, or any other loan terms offered by the participating lender nor do we represent or guarantee that this is the best loan for you or available in the marketplace. We are not responsible for any errors or delays in providing the Services whether caused by errors in the registration information you provided by any technical problems in our system. You may cancel your request for the referral at any time by sending an email to support@shorttermloans.com.

We do not expressly or impliedly endorse or recommend loans of any particular lender. We are not a broker or an agent of you or any participating lender. We have no knowledge of or responsibility for the participating lender's use and/or review of the registration information you submitted or in making a determination about whether you meet a particular lender's loan qualification criteria. The lender is solely responsible for its services to you, and you agree that we shall not be liable for any damages or costs of any type arising out of or in any way connected with the loan you enter into or your use of our Services. You agree that participating lenders may keep your registration and the information therein irrespective of whether you qualified for a loan with such participating lender.

Our Website is an online network marketplace and our service is free to you. Any compensation we may receive is paid by a participating lender or third party network of lenders for advertising services we provide to them. We reserve the right to change any feature or functions of our Services and Website without prior notice.

Please note that information we provide you either on the website or by email may not be used as the sole basis for your loan decision, and may not meet your particular needs. Please seek the advice of an appropriate professional for an assessment of the loan information provided by the lender.

3. CHANGES TO WEBSITE, TERMS AND POLICIES.

We reserve the right to change any information, feature or functions of our Services and Website without prior notice. We may deny you access to Services for any reason without prior notice if you engage in any conduct or activities that we determine, in its sole discretion, violate these Terms, our legal rights or the legal rights of any third party or are otherwise inappropriate. We are not responsible for any errors or delays in providing the Services whether caused by errors in the registration information you provided by any technical problems in our system.

We reserve the right to make changes to this Agreement and the posted Privacy Policy. Any changes made will be effective from the date of such posting without further notice to you. As such, the Privacy Policy and Terms of Use posted at the time you register on our Website will govern our relationship for that registration and referral request.

4. PROHIBITED USER CONDUCT.

You are prohibited from any conduct that, in our sole discretion, restricts or inhibits any other user from using or enjoying our Website, any linked Website, our Services or loan from our participating lenders. You are prohibited from accessing or attempting to access private areas of the Website or any other user's information. You are prohibited from impersonating any person or entity or otherwise falsely stating or misrepresenting your affiliation with a person or entity. You are prohibited from providing false or inaccurate information to us either during the registration process or customer service inquiries.

You are prohibited from using any data, content, and any information provided or used on our Website, as well as your use of our Website, Service which will infringe or facilitate infringement on any copyright, patent, trademark, trade secret, or other proprietary, publicity, or privacy rights of any person or entity, including third-parties. You are prohibited from using any data, content or information which contains or promotes any viruses, Trojan horses, worms, time bombs or other computer programming or code that is designed or intended to damage, destroy, intercept, download, interfere, manipulate, or otherwise interrupt or expropriate the Website, data, personal information, software, equipment, servers or content or facilitate or promote hacking or similar conduct. You are prohibited from harvesting, sweeping, or use any other means, to collect information about users of the Website; Use automated means, including spiders, robots, bots, scripts, crawlers, or the like, in connection with any activity on the Website; Resell, assign, sublicense, otherwise transfer, or delegate your rights or obligations under these Terms and Conditions without the prior express written authorization of Company; Modify, publish, transmit, transfer or sell, reproduce, create derivative works from, distribute, perform, link, display or in any way exploit any Website content; or except as otherwise expressly permitted on the Website, use any information you may obtain from the Website (including without limitation, user information) to send any other person unsolicited messages, commercial or otherwise, by electronic, telephonic, postal or other means.

5. MARKETING MATERIALS.

By Registering on our Website, you are giving your consent to receive promotions or newsletters from us, and/or third-party marketers. If you do not wish to receive these emails, you may request to be removed by using the opt-out mechanism listed in the email messages you receive. To opt-out of email promotions from us you may also email us at support@shorttermloans.com.

6. LINKED WEBSITES.

At the time of the referral, you will be linked to a participating lender or third party network of lenders website. These websites are not reviewed, controlled or examined by us in any way and we are not responsible for the content, availability, advertising, products or other materials of any such websites, or any additional links contained on these websites. Linking you to these websites does not expressly or impliedly endorse the website or lender. In no event shall we be liable, directly or indirectly, to you for any loss or damage arising from or occasioned by the creation or use of links to these websites. Your participation in activities and services on such websites, or the information, material, products or services accessed through these websites are at your sole risk.

7. INTELLECTUAL PROPERTY RIGHTS.

Our Website contains intellectual property owned by us and other parties. As between us and you, we are the sole owner of the Website and all materials on or available through the Website, including without limitation, all applicable U.S. and non-U.S. copyrights, patents, trademarks, and trade secrets, and other intellectual property rights thereto (collectively �Website Content�). Except as otherwise specifically provided in this Agreement, you may not download or save a copy of the Website content or any portion thereof, for any purpose; however, you may print a copy of individual screens appearing as part of the Website content solely for your personal, non-commercial use or records, provided that our marks, logos or other legends that appear on the copied screens remain on, and are not removed from the printed or stored images of such screens.

Except as otherwise expressly permitted herein, you may not modify, copy, publish, display, transmit, adapt or in any way exploit any portion of the Website content unless you first obtain prior written consent from us -- and from all other entities with an interest in the relevant intellectual property. Any unauthorized attempt to modify any Website content, to defeat or circumvent our security features, or to utilize this Website for other than its intended purposes is strictly prohibited.

8. DISCLAIMER OF WARRANTIES.

Except as expressly set forth herein, we are not responsible for any incorrect or inaccurate information or entry of information, whether caused by users of the Website or by any of the equipment or programming associated with or utilized in connection with the Website or the products or services provided on or through the Website, or by any technical or human error which may occur in the processing of information received by us. We assume no responsibly for any error, omission, interruption, deletion, defect, delay in operation or transmission, communications line failure, theft or destruction or authorized access to, or alteration of, information received or submitted in connection with the Website. We are not responsible for any problems, errors or technical malfunction of any telephone network or lines, computer online systems, servers or providers, computer equipment, or software, or any failure of email on account of technical problems or traffic congestion on the Internet or at any Website or combination thereof, including injury or damage to participants or to any other person�s computer related to or resulting from use of our Website or Website Content.

THIS WEBSITE, INCLUDING THE WEBSITE CONTENT IS PROVIDED �AS IS� AND �AS AVAILABLE,� WITHOUT WARRANTY OF ANY KIND, EITHER EXPRESS OR IMPLIED. WITHOUT LIMITATION OF THE FOREGOING, COMPANY, AND ITS PARENT, SUBSIDIARIES, PARTNERS, AGENTS, AFFILIATES, LICENSORS, ADVERTISORS, SUCCESSORS AND ASSIGNS SPECIFICALLY DISCLAIM ANY AND ALL WARRANTIES, INCLUDING, BUT NOT LIMITED TO: (i) ANY WARRANTIES CONCERNING THE AVAILABILITY, ACCURACY, APPROPRIATENESS, RELIABILITY, TIMELINESS, USEFULNESS, OR OTHERWISE OF THE WEBSITE, AND THE WEBSITE CONTENT; AND (ii) ANY WARRANTIES OF TITLE, WARRANTY OF NON-INFRINGEMENT, WARRANTIES OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE. COMPANY DOES NOT WARRANT OR GUARANTEE THAT ANY PORTION OF THE WEBSITE OR THE WEBSITE CONTENT WILL BE FREE OF INFECTION BY VIRUSES, WORMS, TROJAN HORSES OR ANYTHING ELSE MANIFESTING CONTAMINATING OR DESTRUCTIVE PROPERTIES; OR THAT ACCESS TO THE WEBSITE OR WEBSITE CONTENT WILL BE UNINTERRUPTED OR ERROR-FREE.

9. LIMITATION OF LIABILITY.

IN NO EVENT WILL WE, OUR PARENTS, SUBSIDIARIES, PARTNERS, AGENTS, AFFILIATES, LICENSORS, ADVERTISERS, SUCCESSORS AND ASSIGNS AND THEIR RESPECTIVE OFFICERS, DIRECTORS, AND EMPLOYEES AND SHAREHOLDERS BE LIABLE TO ANY PARTY (i) FOR ANY INDIRECT, DIRECT, SPECIAL, PUNITIVE, INCIDENTAL OR CONSEQUENTIAL DAMAGES (INCLUDING, BUT NOT LIMITED TO, DAMAGES FOR LOSS OF BUSINESS PROFITS, BUSINESS INTERRUPTION, LOSS OF PROGRAMS OR INFORMATION, AND THE LIKE), OR ANY OTHER DAMAGES ARISING IN ANY WAY OUT OF THE AVAILABILITY, USE, RELIANCE ON, OR INABILITY TO USE THE WEBSITE OR WEBSITE CONTENT, EVEN IF ALL SUCH PARTIES SHALL HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES, AND REGARDLESS OF THE FORM OF ACTION, WHETHER IN CONTRACT, TORT, OR OTHERWISE; OR (ii) FOR ANY CLAIM ATTRIBUTABLE TO ERRORS, OMISSIONS, OR OTHER INACCURACIES IN, OR DESTRUCTIVE PROPERTIES OF THE WEBSITE OR THE WEBSITE CONTENT.

SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OF CERTAIN WARRANTIES OR THE LIMITATION OR EXCLUSION OF LIABILITY FOR INCIDENTAL OR CONSEQUENTIAL DAMAGES. ACCORDINGLY, OUR LIABILITY IN SUCH JURISDICTION SHALL BE LIMITED TO THE MAXIMUM EXTENT PERMITTED BY LAW.

10. EXCLUSIONS AND LIMITATIONS.

SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OF CERTAIN WARRANTIES OR THE LIMITATION OR EXCLUSION OF LIABILITY FOR INCIDENTAL OR CONSEQUENTIAL DAMAGES. ACCORDINGLY, OUR LIABILITY IN SUCH JURISDICTION SHALL BE LIMITED TO THE MAXIMUM EXTENT PERMITTED BY LAW.

11. INDEMNITY.

You agree to defend, indemnify and hold us, our parents, subsidiaries, partners, agents, affiliates, licensors, advertisers, successors and assigns and their respective officers, directors, employees and shareholders harmless from any and all claims, liabilities, costs and expenses, including reasonable attorneys� fees, arising in any way from, in connection with or as a result of your use or inability to use the Website and or Website Content, any information provided to you by the Website, or any violation of this Agreement by you.

12. DEALINGS WITH THIRD PARTIES.

Your correspondence or business dealings with any third parties as a result of your use of the Webpage and participation in the Service, including, but not limited to, business dealings with mortgage brokers or lenders, or any other terms, conditions, warranties, representations associated with such dealings, are solely between you and such third party. You agree that Company shall not be responsible or liable for any loss or damage of any sort incurred as the result of any such dealings or as the result of the presence of such third party on the Website.

13. DISPUTE RESOLUTION.

This Agreement will be interpreted in accordance with the laws of the State of Illinois, without regard to the conflicts of laws principles thereof. The parties agree that any and all disputes, claims or controversies arising out of or relating to the Agreement, its interpretation, performance, or breach, that are not resolved by informal negotiation within thirty (30) days (or any mutually agreed extension of time), shall be submitted to final and binding arbitration before a single arbitrator of the American Arbitration Association (�AAA�) in Des Plaines, Illinois. Either party may commence the arbitration process called for herein by submitting a written demand for arbitration with the AAA, and providing a copy to the other party. The arbitration will be conducted in accordance with the provisions of the AAA�s Commercial Dispute Resolutions Procedures in effect at the time of submission of the demand for arbitration. The costs of arbitration plus reasonable attorneys� fees (including fees for the value of services provided by in house counsel) shall be awarded to the prevailing party in such arbitration. Judgment on the award rendered by the arbitrator may be entered in the Superior Court of Illinois, Cook County, or the United States District Court for the District of Illinois. Notwithstanding the foregoing, the following shall not be subject to arbitration and may be adjudicated only in the Superior Court of Illinois, Cook County, or the United States District Court for the District of Illinois: (i) any dispute, controversy, or claim relating to or contesting the validity of Company's proprietary rights, including without limitation, trademarks, service marks, copyrights, or trade secrets; or, (ii) an action by a party for temporary, preliminary, or permanent injunctive relief, whether prohibitive or mandatory, or other provisional relief.

RIGHT TO OPT OUT- If you do not wish to be bound by this arbitration clause, you must notify the Company in writing within seven (7) days after signing this Agreement or your rejection of arbitration will not be effective. You must send your request to: support@shorttermloans.com. Your request must include your first & last name, email address, web address of the site you would like to opt out of, telephone number(s,) and a clear statement of your intent, such as "I reject the arbitration clause stated in the Company�s Website Terms of Use.�

THESE TERMS PROVIDE THAT ALL DISPUTES BETWEEN US WILL BE RESOLVED BY BINDING ARBITRATION. YOU GIVE UP YOUR RIGHT TO GO TO COURT TO ASSERT OR DEFEND YOUR RIGHTS. YOU ALSO GIVE UP YOUR RIGHT TO PARTICIPATE IN OR BRING CLASS ACTIONS. YOUR RIGHTS WILL BE DETERMINED BY NEUTRAL ARBITRATORS AND NOT A JUDGE OR JURY.

In the event the arbitration provisions herein become inapplicable or unenforceable, or in any instance of any lawsuit between us, you agree that jurisdiction over and venue of any suit shall be exclusively in the state and federal courts sitting in Cook County, Illinois.

14. WAIVER AND SEVERABILITY OF TERMS.

The failure by us to exercise or enforce any right or provision of the Agreement shall not constitute a waiver of such right or provision. If any provision of the Agreement is found by a court of competent jurisdiction to be invalid, the parties nevertheless agree that the court should endeavor to give effect to the parties' intentions as reflected in the provision, and the other provisions of the Agreement remain in full force and effect.

15. ENTIRE AGREEMENT.

This Agreement constitutes the entire agreement between you and us and governs your use of the Website and Service, superseding any prior agreements. If any part of these Terms is determined unenforceable pursuant to applicable law, then the invalid and unenforceable provision will be deemed superseded by a valid and enforceable provision that most closely matches the intent of the original provision and the remainder of these Terms shall remain in effect.

16. STATUTE OF LIMITATIONS.

YOU AGREE THAT REGARDLESS OF ANY STATUTE OR LAW TO THE CONTRARY, ANY CLAIM OR CAUSE OF ACTION ARISING OUT OF RELATED TO USE OF THE SERVICE OR THE AGREEMENT MUST BE FILED WITHIN ONE (1) YEAR AFTER SUCH CLAIM OR CAUSE OF ACTION AROSE OR BE FOREVER BARRED.

17. LOAN AGREEMENTS SHALL PREMPT THESE TERMS OF USE.

For Illinois residents who have entered into a loan agreement with us, your loan agreement shall preempt these terms of use and your loan agreement shall govern the relationship between us as it pertains to any loan we extend to you.