Terms of Service
NOT A LENDER: Personal Loan Locator is NOT A LENDER, and does not make loans or credit decisions, nor do we broker loans. Personal Loan Locator does not endorse or recommend the products of any particular lender and is not an agent, representative or broker of any lender and/or lending institution. Likewise, use of the Website does not create a broker /client relationship between You and Personal Loan Locator, the services of Personal Loan Locator are strictly administrative. The completion of any form, loan request and/or any other document associated with this Website does not constitute an offer and in no way guarantees that You will obtain a loan. Any loan inquiry submitted is NOT an application for credit, but rather, it is a request to be matched with lenders so as to receive loan offers from lenders
RELATIONSHIP AND OBLIGATION REGARDING LENDERS: Please be advised that amounts and transfer times may vary between lenders and that the amount loaned and/or the time in which such amounts are transferred are not within the control of Personal Loan Locator. You acknowledge and agree that any agreement, promissory note, bond and/or any type of contract (“Contract”) to loan and/or borrow is entered into directly between You and the lender. You expressly acknowledged that Personal Loan Locator is not a party to any Contract between You and any lender and that Personal Loan Locator, was not, is not and will not, be involved in any negotiations or any other such dealings that may relate to any Contract between You and the lender. You acknowledge and agree that any and all rights, obligations, enforcement and performance of any Contract between You and the lender are the sole responsibilities of You and the lender.
ELIGIBILITY: The services provided herein are not made available to the residents of Arkansas, Arizona, Georgia, Oregon, Virginia, West Virginia, Connecticut, District of Columbia, Maryland, New York, New Jersey, North Carolina, Pennsylvania, Massachusetts, Vermont, New Mexico and Ohio. BY USING THE WEBSITE AND/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 ANY STATE IN WHICH PAYDAY LOANS ARE PROHIBITED BY LAW) AND ARE OTHERWISE LEGALLY QUALIFIED TO ENTER INTO AND FORM CONTRACTS UNDER APPLICABLE LAW.
CONSENT TO COMMUNICATION: By entering Your personal information into this Website or by completing a loan request through this Website, You acknowledge that You are expressly granting Your consent to receive three or more communications weekly regarding offers and/or products that Personal Loan Locator, third party lenders, and our marketing partners, which include, but is not limited to, Cloud Based Investments, Lending Cloud 365, Personal Loans Now, 1st time home buyers Inc., The Tax Axe, Starter Home Programs, and Starter Home Investing, reasonably believe may be of interest to You and authorize Personal Loan Locator, third party lenders and marketing partners, to contact You by phone, text and email (even if Your telephone number is listed on any internal, state or federal Do-Not-Call registry list ) and acknowledge that this communication may be delivered by use of an automated telephone dialer or other automated telephone dialing system and may contain an artificial or prerecorded message. You may opt out of receiving such communications at any time by can follow the instructions at the end of the applicable communication. Consent to such communication is not a condition of purchase.
THIRD-PARTY WEBSITES: The Website may be linked with the websites of third parties (“Third-Party Websites”) Personal Loan Locator does not have control over the content or the performance of Third-Party Websites. Personal Loan Locator hereby states that, Personal Loan Locator has not reviewed, and cannot review or control, the material, goods, or services, made available on or through Third-Party Websites. Personal Loan Locator does 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 any Third-Party Website. Personal Loan Locator disclaims, and You agree to assume, all responsibility and liability for any damages or other harm to You and/or any third parties, resulting from Your use of Third-Party Websites.
REPRESENTATIONS AND WARRANTIES: You represent and warrant that (i) You are at least 18 years of age; (ii) You are authorized to enter into this legally binding agreement; (iii) You will not use this Website for any purpose or manner that violates any laws and/or regulations, or that infringes the rights of Personal Loan Locator or any third party; (iv) that all information that You provide in connection with this Website (e.g. name, e-mail address, phone number, social security number, and/or other information) is true and accurate and that such information will not violate any laws, regulations or infringe the rights of Personal Loan Locator or any third party; and (v) You are authorized and able to fulfill and perform any obligations and meet any conditions specified herein.
WARRANTY DISCLAIMERS: PERSONAL LOAN LOCATOR DOES NOT WARRANT, GUARANTEE OR MAKE REPRESENTATIONS REGARDING YOUR USE, OR THE ULTIMATE OUTCOME OF YOUR USE OF THIS WEBSITE, IN TERMS OF AVAILABILITY, ACCURACY, RELIABILITY, COMPLETENESS, INTENDED PURPOSE, QUALITY, FUNCTIONALITY, OR OTHERWISE. THIS WEBSITE AND MATERIALS CONTAINED HEREIN ARE PROVIDED TO YOU “AS IS” AND “AS AVAILABLE” WITHOUT ANY WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, INCLUDING, WITHOUT LIMITATION, ANY IMPLIED WARRANTIES OF MERCHANTIBILITY, TITLE, NONINFRINGEMENT, FITNESS FOR A PARTICULAR PURPOSE, AND ANY WARRANTY OUT OF COURSE OF DEALING, USAGE OR TRADE. LIKEWISE, PERSONAL LOAN LOCATOR DOES NOT WARRANT, GUARANTEE OR MAKE REPRESENTATIONS REGARDING THE QUALITY, ACCURACY, RELIABILITY, COMPLETENESS, USEFULNESS, SAFETY OR LEGALITY OF THE REQUESTED OR OFFERED LOANS, THE ABILITY OF LENDERS TO DELIVER LOANS, YOUR ABILITY TO REPAY LOANS, OR THAT YOU OR LENDER WILL ENTER INTO A BORROWER-LENDER RELATIONSHIP.
RIGHT OF MODIFICATION AND DISCONTINUATION: Personal Loan Locator reserves the right at any time to modify, alter and/or discontinue, whether temporarily or permanently, the Website, or any part thereof, with or without prior notice. Personal Loan Locator shall not be held liable to You or any third party for any such alternation, modification, suspension and/or discontinuance of the Website, or any part thereof.
PROHIBITED USES: Personal Loan Locator impose certain restrictions on the use of the Website. You represent and warrant that You will not:
(a) violate or attempt to violate any security features of the Website;
(b) copy or otherwise duplicate, directly or indirectly, any portion of the Website, 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”);
(c) distribute, display, modify, transmit, resell, reuse, or repost Content in any form electronic or otherwise, for any purpose what so ever, without the prior written consent of Personal Loan Locator;
(d) impersonate, or otherwise misrepresent affiliation, connection or association with, any person or entity;
(e) use or attempt to use any engine, software, tool, agent, or other device or mechanism (including without limitation browsers, spiders, robots, avatars, or intelligent agents) to harvest or otherwise collect information from the Website for any purpose.
(f) access content or data not intended for You, or log onto a server or account that You are not authorized to access;
(g) attempt to probe, scan, or test the vulnerability of the Website, or any associated system or network, or breach security or authentication measures without proper authorization;
(h) interfere or attempt to interfere with the use of the Website by any other person, host or network, including, without limitation by means of submitting a virus, overloading, “flooding,” “spamming,” “mail bombing,” or “crashing” or
(i) attempt to modify, reverse-engineer, decompile, disassemble or otherwise reduce or attempt to reduce to a human-perceivable form any of the source code used by this Website.
Any violation of this section may subject you to civil and/or criminal liability.
LIMITATION OF LIABILITY: TO THE FULLEST EXTENT ALLOWED BY APPLICABLE LAW, IN NO EVENT WILL PERSONAL LOAN LOCATOR, ITS BUSINESS PARTNERS, LICENSORS OR SERVICE PROVIDERS BE LIABLE TO YOU OR ANY THIRD PARTY FOR ANY INDIRECT, RELIANCE, CONSEQUENTIAL, EXEMPLARY, INCIDENTAL, SPECIAL OR PUNITIVE DAMAGES, INCLUDING, WITHOUT LIMITATION, DAMAGES FOR LOSS OR CORRUPTION OF DATA OR PROGRAMS, SERVICE INTERRUPTIONS AND PROCUREMENT OF SUBSTITUTE SERVICES, EVEN IF PERSONAL LOAN LOCATOR HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. NOTWITHSTANDING ANYTHING TO THE CONTRARY CONTAINED HEREIN, OUR LIABILITY TO YOU FOR ANY CAUSE WHATSOEVER, AND REGARDLESS OF THE FORM OF THE ACTION, WILL AT ALL TIMES BE LIMITED TO FIFTY DOLLARS ($50.00 USD). YOU 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 WEBSITE OR THE TERMS OF THIS AGREEMENT MUST BE FILED WITHIN ONE YEAR AFTER SUCH CLAIM OR CAUSE OF ACTION AROSE OR BE FOREVER BARRED. YOU AGREE THAT THIS LIMITATION OF LIABILITY REPRESENTS A REASONABLE ALLOCATION OF RISK AND IS A FUNDAMENTAL ELEMENT OF THE BASIS OF THE BARGAIN BETWEEN YOU AND PERSONAL LOAN LOCATOR AND ACKNOWLEDGE THE WEBSITE WOULD NOT BE PROVIDED WITHOUT SUCH LIMITATIONS.
ENTIRE AGREEMENT: This Agreement represents the entire agreement between you and Personal Loan Locator and supersedes all prior or contemporaneous agreements, representations, warranties and/or understandings with respect to the use of the Website and shall be governed by the laws of the state of Michigan without regard to its conflict of law provisions and that any and all claims, causes of action and/or disputes, arising out of or relating to this Agreement, or the use of the Website, shall be filed within the courts having jurisdiction within the County of Kent, Michigan, or the U.S. District Court located in said state. You and Personal Loan Locator agree to submit to the jurisdiction of the courts as previously mentioned and agree to waive any and all objections to the exercise of jurisdiction over the parties by such courts and to venue in such courts.
956 3 Mile Road NW
Grand Rapids, MI 49544
Call us: (866) 382-5798