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IBLoans - Terms and Conditions of Business Loans !

 

Terms and Conditions


Welcome to ibloans.com (hereinafter referred as “company”) the whole terms and condition of usage form an agreement between the company and you (hereinafter referred as “you” or/and “your”), as user of this website (hereinafter referred as “site”) and the services of the company. This document governs your access for usage of this site. 


Please make sure that you read the agreement in its entirety before you begin using this website. By using this site, you are acknowledging the fact that you are above 18 years age and that you have gone through, understand and agree with the terms and conditions of usage and the privacy policy of the company and agree with them without any qualification or limitation and find them to be legally binding.


The states being services by this website may be changed from time to time without any prior notification.


If you are not in agreement with any of these terms, do not use the company’s services or this site.


Company’s Services


The company is not a loan provider or a lender. Nor is this company a representative, or broker or an agent. We do not make credit, loans or any underwriting decisions. This site does not have any solicitation or offer to lend. The company is merely the provider of referral matching services using which the interested businesses can easily connect with the network of third part, independent lenders or brokers (hereinafter referred as the “participating lender”). Company makes it easier to connect with the participating lenders (hereinafter referred as “company’s services”)


Any compensation that will be received by the company will be paid by the participating lender for the matching services and advertising provided. Also not that the information that is provided to you by us on our site may not be suitable for your needs and that you must seek advice from an appropriate financial professional in order to get assessment of all the loan information being provided by the participating lenders. Company has no responsibility or involvement in connection with the use of your information by the participating lenders, including, without any limitations if you meet the qualification criteria of the loan.


You agree that the company will not be liable for costs or damages of any manner connected with or arising out of the loan agreement you enter into or your usage of this site. In order to register to receive the services from the company you should agree with the terms and conditions of usage, along with the privacy policy of the company. Also you must complete and submit the forms that are asking for some of your personal, financial and business information.


Once you have submitted your information, we share it with the participating lenders. The usage, collection and sharing of the information is subject to the terms and conditions of use and the privacy policy of the company. By registering to receive the company’s services, you understand the fact that you are requesting for a referral for the loan from the participating lenders with whom your information might be shared. You further understand the fact that the participating lender might contact you by mobile, telephone, direct mail or email so that they can assist you in getting the requested loan. Company, third party marketing partners or participating lenders may also give you information about additional products and services that might get you interested.


The participating lenders might even perform credit checks from the reporting bureaus, verify your business information, and use the national consumer transaction database to review your information, or contact any third parties with whom you share a pre-existing relationship in order to verify if you satisfy the lending criterion and obtain reports through alternate lenders. Company does not guarantee that you would be connected with participating lenders.


Company does not recommend, guarantee or endorse the price, rates, availability, fee, product or any other loan terms from the participating lenders. Nor do we guarantee that the loan you receive is the one most suitable for you in the existing marketplace. When you submit your information with us, you agree to permit all the participating lenders to investigate and verify the information provided by you.


When you are connected with the participating lender, you understand the fact that the company is not a part of any agreement between the participating lender and you and that the company has no involvement whatsoever in the registration process. All the loan terms decided are done by the participating lender. The participating lender is the one responsible for the services provided to you and the communication that you have with the participating lender are subject to the participating lender’s privacy policy and terms and conditions. Also you acknowledge the participating lenders to retain the information that you have provided them with regardless of you qualifying for the loan. Please direct all the comments, concerns or questions involving the loan to the participating lender.


Authorized Use


The company has given you the necessary authorization to display and use this site, but for your personal use only. All other uses of the website and its content are strictly prohibited. Such prohibited usage includes, without any limitation the duplication, replication, sale, resale, copy or any other exploitation of the material, access to this website or usage for any commercial purpose.


Proprietary Rights


The organization, content, arrangement and design of our site are protected under trademark, copyright and other related intellectual proprietary laws of United States. Through your access to the company’s services or this site you do not acquire ownership for any content, design, organization or arrangement. Any reproduction, copy, sale, resale, duplication or exploitation of the arrangement, organization, content and design of this site are strictly prohibited.


Disclaimer of Warranties


THE COMPANY’S SERVICES AND THIS WEBSITE ARE PROVIDED ON “AS AVAILABLE” AND “AS IS” BASIS, AND ARE USED AND ACCESSED AT YOUR OWN RISK. TO THE COMPLETE EXTENT OF LAW, THE COMPANY MAKES NO WARRANTIES, GUARANTEES OR REPRESENTATIONSWHETHER IMPLIEDD OR EXPRESSED, VERBAL OR OTHERWISE. THE COMPANY DOES NOT REPRESENT, GUARANTEE OR WARRANT THAT THE SERVICES PROVIDED BY THE COMPANY WOULD MEET YOUR REQUIREMENTS: THAT THE SERVICES PROVIDED BY THE COMPANY WOULD BE UNINTERRUPTED, SECURE, AND TIMELY OR ERROR FREE OR THAT ANY PROBLEMS IN THE FUNCTIONALITY OR OPERATION OF THE COMPANY’S SERVICES OR SOFTWARE WILL BE CORRECTED. COMPANY DOES NOT REPRESENT, GUARANTEE OR WARRANT THAT ANY THIRD PARTY’S PRIVACY PROTECTION PROCEDURES AND SECURITY METHODS WILL BE TIMELY, UNINTERRUPTED, AND ERROR-FREE OR SECURE; AND THUS ACCEPTS NO RESULTING LIABILITY WHATSOEVER. THE COMPANY HAS NOT REVIEWED THE THIRD PARTY SITES THAT MIGHT BE LINKED TO OUR SITE.YOUR USE OF AND ACCESS TO ANY SUCH THIRD PARTY SITES AND ANY OTHER THIRD PARTY SERVICES OR PRODUCTS IS DONE ON YOUR OWN RISK


Limitation of Liability


UNDER NO CIRCUMSANCES THE COMPANY WILL BE RESPONSIBLE FOR INDIRECT, DIRECT, CONSEQUENTIAL, INCIDENTAL, EXEMPLARY, SPECIAL, OR PUNITIVE DAMAGES RESULTING FORM YOUR USE OR ACCESS TO THIS SITE OR USAGE OF COMPANY’S SERVICES. TO THE MAXIMUM EXTENT AS PERMITTED BY LAW, THE COMPLETE LIABILITY OF THE COMPANY FOR ANY CLAIM RESULTING FROM YOUR USE OR ACCESS TO THIS SITE OR FROM YOUR USAGE OF COMPANY’S SERVICES WHETHER UNDER WARRANTY, IN CONTRACT, STRICT LIABILITY, TORT OR OTHERWISE REMAINS LIMITED TO THE SUM PAID BY YOU (IF ANY) FOR YOUR USAGE OR ACCESS TO THIS SITE OR THE COMPANY’S SERVICES.


CERTAIN JURISDICTIONS DO NOT PERMIT THE EXCLUSION OR LIMITATION OF LIABILITY FOR CONSEQUENTIAL OR INCIDENTAL DAMAGES OR EXCLUSION OF CERTAIN WARRANTIES. ACCORDINGLY IN SUCH JURISDICTION OR LIABILITIES SHALL BE LIMITED TO THE GREATEST EXTENT PERMITTED BY LAW.


Marketing Materials


When you provide your information on this site, you give your express consent of receiving any promotional materials from the participating lenders, company or any third party marketing partners with whom your information may be shared with. You further understand that such communications might be through direct mail, mobile devices/telephone or email. These communications have a mechanism to opt out which you can use in case you do not wish to get such communications or marketing materials.


Third Party Websites and Third Parties


This site may also include links to third party websites. The addition of such links is in no manner a recommendation or an endorsement for third party websites or anything they contain. These links to third party websites are added for convenience and reference only. Since the Company has no control over the third party websites or anything that they contain, you are in agreement that the Company is not liable or responsible for your use or access to such third part website. Any use or access to such third party websites is at your own risk.


Your interaction with these third parties, including the participating lenders without limitation, along with all or any terms and conditions in concurrence therewith is solely between the third party and you. The company cannot be held responsible for any damage or loss of any manner incurred due to such dealings.


Information and Notices /Electronic Communications Delivered Electronically


Company, participating lenders or/and third party marketing partners might opt to electronically deliver any information related to your requests and its services. Company, participating lenders or/and third party marketing partner’s communications to you may convey or transmit information about any action taken in response to your request, parts of your request that might be incomplete and need extra explanation, any notices required according to the laws applicable, these may include state disclosures, federal disclosures, other terms and conditions and privacy policy of the Company, participating lenders or/and third party marketing partners.


You agree to receive current and future communications, disclosures, information and notice and to do the business electronically with the Company, participating lenders or/and third party marketing partners. This means that the Company, participating lenders or/and third party marketing partners may communicate with you through an email to the address that you have provided or at any alternate address that is associated with you that we get from the Company, participating lenders or/and third party marketing partners. You agree that you are able to retain and access the copies of information and notices made available or sent electronically and meet the technical requirements mentioned below.


The needed technical requirements to retain and access the notices and information sent to you electronically include:

 

  • Adobe Acrobat Reader version 6 or a higher version
  • Internet connection with a 128-bit encryption
  • Ability to print documents opened in IE9 or higher
  • Chrome version 3.0 or above
  • Firefox version 3.0 or above

You have complete right to receive any notice, information or document in a non-electronic form and withdraw your consent to receiving any such information electronically by contacting the company by emailing at info@ibloans.com


Disputes; Choice of Law; Venue


Any dispute that arises out of your usage or access to this site or your usage of Company’s services will be governed by the laws applicable in the State of California without any conflict of law or choice of law provisions or rules. Should any dispute arise from your use or access to this site or your usage of company’s services, the company reserves the option to ask you to first submit the arising dispute for resolution before the American Arbitration Association in LA, California in compliance with the existing commercial rules for arbitration. ALL DISPUTES BETWEEN THE COMPANY AND YOU WOULD BE RESOLVED BY BINDING ARBITRATION. AS A RESULT, YOU RELINQUISH YOU RIGHT TO DEFEND OR ASSERT YOUR RIGHTS IN A COURT OR IN FRONT OF A JURY OR A JUDGE. YOU ALSO REMIT YOUR RIGHT OF BRINGING OR PARTICIPATING IN CLASS ACTIONS. The arbitrator will not possess any authority to award damages that exceed the actual amount of the compensatory damages or to multiply the amount of actual damages claimed. Furthermore, the arbitrator is prohibited from awarding any consequential, incidental, special, punitive or exemplary damages and you relinquish your right to any claim including these prohibited damages. Any award provided will be conclusive and final and a judgement thereon can be entered into any court with competent jurisdiction. In its discretion, the Company may opt to file an action in a court of competent jurisdiction in LA County, California, instead and despite any alternative provision for dispute resolution contained herein.


If you do not want to be bound in this clause of arbitration, you must notify the Company in written within; it has to be done within ten days of your assent to the terms herein or your rejection to the arbitration will not be applicable. You must send your request for the same at this email address - info@ibloans.com Your request should provide your first and last name, your telephone number, the website address of the site you wish to opt out from, your email address and a statement which reads “I reject the arbitration clause stated in Company’s Website Terms and Conditions.” If the provision for alternate dispute resolution contained herein cannot be enforced or are not applicable for any reason, then any claim that arises as a result of your use or access of this site or your usage of the company’s services should be brought in the state or federal courts located in LA County, California. Notwithstanding any applicable law or statute to the contrary, you also agree that any claim that arises as a result of your use or access of this site or your usage of the company’s services should be brought within one year after the cause of action, otherwise such a cause of action or claim is barred forever.


Export Control


Neither the services, products nor any underlying software of this site might be exported or otherwise downloaded. (1) into or to a resident of Iraq, Cuba, Libya, Iran, Sudan, Syria, North Korea or any other nation to which the USA has embargoed goods; or (2) to anyone on the list of the U.S. Commerce Department’s Table of Denial Orders  or the United States Treasury Department’s list of Specially Designated Nationals. By making use of the services provided by the Company, you warrant that you are not situated in, a national resident of, under control ofay of the countries mentioned in the restricted list.


Indemnification


You agree to hold and indemnify the Company, its parents, affiliates and subsidiaries and their respective members. Directors, officers, employees, co-branders, agents or/and other partners, against any liability, damages, loss, expenses, actions, suits, claims and proceeding that arise out of or are related to; (1) your usage of the company’s services or this site; (2) if you breach the terms and conditions of usage; (3) any dispute between any third party and you. The provisions included in this paragraph are to benefit the Company, its parents, affiliates and subsidiaries and their respective members. Directors, officers, employees, co-branders, agents or/and other partners. Each of these entities or individuals shall have the right to enforce and assert this provision against you on their own behalf.


Entire Agreement


The Terms and Conditions of usage mentioned set forth the agreement and understanding between the Company and you with respect to the subject hereof and supersedes all and any contemporaneous or prior agreements. The company’s failure for enforcing provision of these terms and conditions of usage would not be considered a waiver of these provisions or of the right for enforcing such provisions.


Modification


Company reserves every right of modifying these terms and condition of usage or any additional terms that are applicable to the company’s services or this site at any time. Any of these modifications would take effect immediately. Any usage of the site or the company’s services offered through the site will constitute acceptance of all the changes.


Non-Waiver; Severability


Company’s failure to enforce any of the provisions mentioned in these Terms and conditions of usage, or to exercise any right mentioned here, will in no manner be considered as a waiver of the right or the ability to enforce the terms and conditions mentioned herein. If any of the provisions mentioned in these Terms and Conditions of Use are determined to be illegal, unenforceable or invalid in any respect under the applicable laws, then such a provision will be severed and the other provisions of the Terms and Conditions of Usage should remain in full effect and force.


Headings


The headings for the sections contained here are only for convenience and do not affect the, meaning of these Terms and Conditions of Use.

 

 

 

Small Business Loans for Women

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