ACCESS LOAN, LLC TERMS OF USE
PLEASE READ THESE TERMS OF USE (“TERMS”) CAREFULLY. BY ACCESSING OUR WEBSITE OR USING THE SERVICES, YOU AGREE TO BE BOUND BY THESE TERMS. IF YOU DO NOT AGREE TO THESE TERMS, YOU MAY NOT USE THE WEBSITE OR SERVICES AND MUST DISCONTINUE YOUR USE OF THE WEBSITE AND SERVICES.
Welcome to https://accessloan.online, including any linked websites and mobile applications (the“Site”). The Site is owned and operated by Access Loan, LLC (“Access Loans,” “Company,”“we,” “our,” or “us”). These Terms govern your use of the Site and any of the products and services made available through the Site (“Services). By accessing or using the Site you agree to these Terms. Do not access or use the Site or the Services if you are unwilling or unable to be bound by the Terms. By using the Site or using or applying for a Service, you are agreeing to these Terms and the terms of our Privacy Policy. These Terms constitute a legal agreement between you and ACCESS LOAN governing your use of the Site and Services, unless superseded by the terms and conditions of any contract we enter into with you for Services. As used herein, “Users” is defined to mean anyone who accesses and/or uses the Site.
Changes to the Terms of Use
We may, from time to time, make modifications, changes or additions to these Terms. You agree that your continued use of the Site or Services following the posting of such changes is your acceptance of such changes. Therefore, you should visit this page periodically to review any changes to the Terms.
Eligibility
The Site and the Services are not available to persons under the age of 18 or to persons who are not legal residents of the USA. By using the Site, applying for or using any of the Services, you represent and warrant that you are at least 18 years of age or that you are at least the minimum age that is required by law. Your eligibility for particular Services is subject to final determination by ACCESS LOAN, its affiliates, and/or its partner lenders.
User Accounts
In consideration of your use of the Site, you agree to (a) provide accurate, current and complete information about you as may be prompted by any registration forms on the Site (“Registration Data”); (b) maintain the security of your password and identification; (c) maintain and promptly update the Registration Data, and any other information you provide to ACCESS LOAN, to keep it accurate, current and complete; and (d) be fully responsible for all use of your account and for any actions that take place using your account. You agree to notify us immediately of any unauthorized use of your online account. We reserve the right to close your online account at anytime for any or no reason. You will use your online account for your personal, non-commercial use only. You may not impersonate someone else, create an online account for anyone other than yourself, provide an email address other than your own, or create multiple online accounts.
Restrictions on Your Use of the Site and Services
You represent, warrant and agree that no materials of any kind submitted through your account or otherwise posted or shared by you through the Services will violate or infringe upon the rights of any third party, including copyright, trademark, patent, trade secret, moral right, privacy, publicity or other personal or proprietary rights; or contain libelous, defamatory or other wise unlawful material. You further agree not to harvest or collect email addresses or other contact information of Users from the Services or the Site by electronic or other means for the purposes of sending unsolicited emails or other unsolicited communications. Additionally, you agree not to use automated scripts to collect information from the Services or the Site or for any other purpose. You further agree that you may not use the Site or the Services in any unlawful manner or in any other manner that could damage, disable, overburden or impair the Site. In addition, you agree not to use the Site or the Services for any of the following: ●to threaten, stalk, defraud, incite, harass, or advocate the harassment of another person, or otherwise interfere with another User’s use of the Site or the Services; ●to submit or transmit spam, chain letters, contests, junk email, pyramid schemes, surveys,or other mass messaging, whether commercial in nature or not; ●for promotional or commercial purposes, except as expressly allowed in writing by ACCESS LOAN; ●for keyword spamming or to otherwise attempt to manipulate natural search results; ●to promote any form of bigotry or discrimination against any person, especially a person in any protected classes; ●to submit or transmit pornography or illegal content; ●to solicit personal information from minors or to harm or threaten to cause harm to minors; and ●in violation of the Terms or any applicable law. You also agree that you will NOT perform any of the following acts in relation to your use of the Site or the Services: ●modify, adapt, appropriate, reproduce, distribute, translate, create derivative works or adaptations of, publicly display, sell, trade, or in any way exploit the Site or Site Content(other than your Content), except as expressly authorized by ACCESS LOAN in writing; ●record, process, or mine information about other Users; ●reverse engineer any portion of the Site or the Services; ●remove or modify any copyright, trademark or other proprietary rights notice on the Site or on any materials printed or copied from the Site; ●use any robot, spider, site search/retrieval application, or other automated device, processor means to access, retrieve, scrape, or index the Site or any Site Content; ●access, retrieve or index the Site for purposes of constructing or populating a searchable database of business reviews; ●reformat or frame any portion of the Site; ●take any action that imposes, or may impose in ACCESS LOAN’ sole discretion, an unreasonable or disproportionately large load on ACCESS LOAN’ technology infrastructure; ●attempt to gain unauthorized access to the Site, User accounts, computer systems or networks connected to the Site through hacking, password mining or any other means; ●use the Site to violate the security of any computer network, crack passwords or security encryption codes; ●use the Site or any Site Content to transmit any computer viruses, worms, defects, Trojan horses or other items of a destructive nature (collectively, “Viruses”); ●use any device, software or routine that interferes with the proper working of the Site, or otherwise attempt to interfere with the proper working of the Site;●disrupt or interfere with the security of, or otherwise cause harm to, the Site or Site Content; remove, circumvent, disable, damage or otherwise interfere with any security-related features of the Site, features that prevent or restrict the use or copying of Site Content, or features that enforce limitations on the use of the Site; ●impersonate any person or entity, or falsely state or otherwise misrepresent yourself, your age or your affiliation with any person or entity; or ●except as expressly requested by ACCESS LOAN, upload, post, transmit, share, store or otherwise make publicly available on the Site any private information of any third party, including, without limitation, addresses, phone numbers, email addresses, and credit card numbers.The restrictions above only apply to the extent permissible under applicable law. Nevertheless, you agree not to act contrary to them (even if permissible under applicable law) without providing 30 days’ prior, written notice to us here help@accessloan.online, together with any information that we may reasonably require to give us an opportunity to provide alternative remedies or otherwise accommodate you at our sole discretion.
Intellectual Property and Proprietary Rights
All content on the Site, including but not limited to designs, text, graphics, pictures, video, information, product terms and descriptions, software, music, sound and other files, and their selection and arrangement (the “Site Content”), are the proprietary property of ACCESS LOAN with all rights reserved. No Site Content may be modified, copied, distributed, framed, reproduced, republished, downloaded, displayed, posted, transmitted, or sold in any form or by any means, in whole or in part, without ACCESS LOAN’ prior, written permission, except as provided in the following sentence and except that the foregoing does not apply to Your Content (as defined below) that you legally post on the Site. Provided that you are eligible for use of the Site, you are granted a limited license to access and use the Site and to download or print a copy of any portion of the Site Content solely for your personal use, provided that you keep all copyright or other proprietary notices intact. Except for Your Content (as defined below), you may not republish Site Content on any Internet, Intranet or Extranet site or incorporate the information in any other database or compilation, and any other use of the Site Content is strictly prohibited. Such license is subject to these Terms and does not include use of any data mining, robots or similar data gathering or extraction methods. Any use of the Site or the Site Content other than as specifically authorized herein, without the prior written permission of ACCESS LOAN, is strictly prohibited and will terminate the license granted herein. Such unauthorized use may also violate applicable laws, including, without limitation, copyright and trademark laws and applicable communications regulations and statutes. Unless explicitly stated herein, nothing in these Terms shall be construed as conferring any license to intellectual property rights, whether by estoppel, implication or otherwise. This license is revocable by us at any time without notice and with or without cause.
Information We Collect and Use
Please see our Privacy Notice for an explanation of how we collect, share and protect your personal information. ACCESS LOAN’ Privacy Notice applies to our use of your personal information, and its terms are expressly incorporated by reference.
Site Security
You acknowledge that use of a username and a password is an adequate form of security. You acknowledge and agree that Internet transmissions are never completely private or secure and that any message or information you send to the Site may be read or intercepted by others ,notwithstanding our efforts to protect such transmissions. We use industry standard physical, technical and administrative security measures and safeguards to protect the confidentiality and security of your personal information. However, since the Internet is not a 100% secure environment, we cannot guarantee, ensure, or warrant the security of any information you transmit to us. There is no guarantee that information may not be accessed, disclosed, altered, or destroyed by breach of any of our physical, technical, or managerial safeguards. It is your responsibility to protect the security of your login information. Please note that e-mails and other communications you send to us through our Site are not encrypted.
Consent to be Contacted
By providing your contact information to us, you are expressly authorizing and consenting for us or our agents to contact you by telephone, email or postal mail. You agree that we may contact you related to your application and to service your loan, to remind you of upcoming payments, or for collections and other loan-related issues. By submitting your contact information, registering for an account, applying for a Service or beginning an application for a Service, you are consenting to be contacted by us by written notices, email messages, text messages, or telephone, at any email address or mailing address we have for you in our records or from other public and nonpublic databases we may lawfully access, and, in connection with any such telephone calls, you consent to the use prerecorded or artificial voice messages and/or automatic dialing devices, at any telephone number associated with your account, including mobile telephone numbers that could result in charges to you for matters related to your loan or application, such as reminding you of upcoming payments, collections, and other loan-related issues. Where allowed by law, we also may contact other individuals who may be able to provide updated employment, location and contact information for you. You hereby further consent that we may utilize a third-party service and other providers for the purposes of contacting you on our behalf in accordance with the Terms.
Sweepstakes & Other Promotions
From time to time, ACCESS LOAN may conduct promotions on or through the Site, including without limitation, contests, sweepstakes and other promotions (“Promotions”). Each Promotion may have additional terms and/or rules of participation (“Promotion Rules”), which will be posted or otherwise made available to you. The Promotion Rules for each Promotion in which you participate will be deemed incorporated into and form a part of these Terms for the Promotions. It is your responsibility to read the Promotion Rules to determine whether or not your participation, registration, or entry will be valid or restricted, and to determine your participation requirements.
Intellectual Property Rights of Others.
If you believe work has been reproduced in a way that constitutes copyright infringement, you may notify us by providing the following information: ●Identification of the copyrighted work that you claim has been infringed, or, if multiple copyrighted works at a single online site are covered by a single notification, are preventative list of such works at the site; ●Identification of the material that you claim is infringing and needs to be removed, including a description of where it is located so that the copyright agent can locate it; ●Your address, telephone number, and, if available, e-mail address, so that we may contact you about your complaint; and ●A signed statement that the above information is accurate; that you have a good faith belief that the identified use of the material is not authorized by the copyright owner, its agent, or the law; and, under penalty of perjury, that you are the copyright owner or are authorized to act on the copyright owner’s behalf in this situation. Upon obtaining such knowledge, we will act expeditiously to remove, or disable access to, the material. Please be aware that there are substantial penalties for false claims. If a notice of copyright infringement has been wrongly filed against you, you may submit a counter notification to us. A valid counter notification is a written communication that incorporates the following: ●A physical or electronic signature of the poster; ●Identification of the material that has been removed or to which access has been disabled and the location at which the material appeared before it was removed or access to it was disabled; ●A statement under penalty of perjury that you have a good faith belief that the material was removed or disabled as a result of mistake or misidentification; ●Your name, address, and telephone number; a statement that you consent to the jurisdiction of federal district court for the judicial district in which your address is located for any judicial district in which the service provider may be found; and that you will accept service of process from the complainant. Notices of the foregoing copyright issues should be sent as follows: By Email: legal@accessloan.online. We may begin investigating the alleged copyright infringement; however, we must receive your signed statement by mail or as an attachment to your e-mail before we are required to take any action. This information should not be construed as legal advice.
Disclaimer of Warranty
WE DO NOT WARRANT THAT ACCESS TO OR USE OF THE SITE OR SERVICES WILL BE UNINTERRUPTED OR ERROR-FREE OR THAT DEFECTS OR ERRORS IN THE SITE OR SERVICES WILL BE CORRECTED. THIS SITE, INCLUDING ANY CONTENT OR INFORMATION CONTAINED WITHIN IT OR ANY SERVICE, IS PROVIDED “AS IS,”AND “AS AVAILABLE” WITH ALL FAULTS, WITH NO REPRESENTATIONS OR WARRANTIES OF ANY KIND, EITHER EXPRESSED OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, QUALITY OF INFORMATION, QUIET ENJOYMENT, TITLE, AND NON-INFRINGEMENT. WE DO NOT WARRANT THE ACCURACY, COMPLETENESS OR TIMELINESS OF THE INFORMATION OBTAINED THROUGH THE SITE. WE DO NOT WARRANT THAT FILES AVAILABLE FOR DOWNLOAD WILL BE FREE OF VIRUSES, WORMS, TROJAN HORSES OR OTHER DESTRUCTIVE PROGRAMMING. YOU ARE RESPONSIBLE FOR IMPLEMENTING PROCEDURES SUFFICIENT TO SATISFY YOUR NEEDS FOR DATA BACK UP AND SECURITY.
Limitation of Liability
EXCEPT WHERE PROHIBITED BY LAW, NEITHER ACCESS LOANS, NOR ITS DIRECTORS, OFFICERS, EMPLOYEES, AGENTS, CONTRACTORS, SUCCESSORS OR ASSIGNS THEREOF, SHALL BE LIABLE TO YOU FOR ANY INDIRECT,CONSEQUENTIAL, EXEMPLARY, INCIDENTAL OR PUNITIVE DAMAGES, INCLUDING LOST PROFITS ARISING OUT OF OR IN CONNECTION WITH THIS SITE, THE SERVICES OR CONTENT, OR YOUR INABILITY TO ACCESS OR USE ANY OF THE FOREGOING, OR ANY OTHER ERROR, OMISSION, INTERRUPTION, DEFECT, DELAY IN OPERATION OR TRANSMISSION, COMPUTER VIRUS OR FAILURE, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. UNLESS OTHERWISE EXPRESSLY SET FORTH IN A WRITTEN AGREEMENT BETWEEN YOU AND US, OUR MAXIMUM LIABILITY FOR ALL CLAIMS ARISING OUT OF OR RELATING TO THIS SITE, THE SERVICES, SUBMISSIONS OR THE CONTENT, WHETHER IN CONTRACT, TORT OR OTHERWISE WILL NOT EXCEED THE GREATER OF ONE HUNDRED USD ($100) OR THE AMOUNT YOU HAVE PAID US IN THE PAST 10 DAYS WITH RESPECT TO THE INCIDENT GIVING RISE THE CAUSE OF ACTION. The foregoing limitation applies to the extent permitted by law in the applicable jurisdiction.
Indemnification
You agree to defend, indemnify and hold ACCESS LOAN and its affiliates and its and their directors, officers, employees, agents, contractors, successors or assigns thereof harmless from and against all third party claims, damages and expenses (including reasonable attorneys’ fees) against or incurred by us arising out of your breach of these Terms or violation of applicable law, any of your Submissions, your use of or access to the Site, or access by anyone accessing the Site using your account. We reserve the right to assume or participate, at your expense, in the investigation, settlement, and defense of any such action or claim.
Additional Terms
Certain features or Services available through the Site may be subject to additional terms, which will be presented to you at that time. In the event of a conflict between these Terms and such additional terms, the additional terms will govern solely with respect to such features and Services. Such additional terms are expressly incorporated into and made part of these Terms.
Law and Venue
This Site is located in USA. These Terms and the relationship between you and ACCESS LOAN shall be governed by the laws of the USA without regard to its conflicts of law provisions.
MISCELLANEOUS
No agency, partnership, joint venture, or employment relationship is created as a result of the Terms, and you do not have any authority of any kind to bind us in any respect whatsoever. ●We may provide you with notices, including those regarding changes to the Terms, by email ,regular mail or postings on the Site. ●The Terms contain the entire agreement between you and us regarding the use of the Site and the Services, and the Terms supersede any prior agreement between you and us on such subject matter. The parties acknowledge that no reliance is placed on any representation made but not expressly contained in the Terms. ●Any failure on our part to exercise or enforce any right or provision of the Terms shall not constitute a waiver of such right or provision. The failure of either party to exercise in any respect any right provided for herein shall not be deemed a waiver of any further rights hereunder. ●If any provision of the Terms is found to be unenforceable or invalid, that provision shall be limited or eliminated to the minimum extent necessary so that the Terms shall otherwise remain in full force and effect and enforceable.●The Terms are not assignable, transferable or sublicensable by you except with ACCESS LOAN’s prior, written consent, but may be assigned or transferred by us without restriction. Any assignment attempted to be made in violation of the Terms shall be void. ●The section titles in the Terms are for convenience only and have no legal or contractual effect.●This Site, the Services and its Content are directed to persons residing in the USA. You may not use or export or re-export any portion of this Site, Services or its Content in violation of any applicable laws or regulations.
(Last updated: October18, 2020)