Terms & Conditions
These Terms of Use provided by SmallBusinessLoans (“SBL”) set forth the terms and conditions (“Terms”) that apply to your access and use of smallbusinessloans.com (the “Website”), including any content, functionality and services offered on or through the Website and any related applications, networks, communication channels or other services provided by us (collectively, the “Services”).
By using the Website or by clicking to accept or agree to the Terms of Use when this option is made available to you, you accept and agree to be bound and abide by these Terms of Use, our Advertising Disclosures, and our Privacy Policy (the “Privacy Policy”), incorporated herein by reference. All information we collect on this Website is subject to our Privacy Policy.
We may revise and update these Terms of Use from time to time in our sole discretion. All changes are effective immediately when we post them, and they apply to all access to and use of the Website thereafter. It is our policy to post any changes we make to these Terms of Use on this page with a notice on the Website home page. If we make material changes to these Terms of Use, we will notify you through a notice on the Website home page. However, any changes to the dispute resolution provisions set forth in Governing Law and Jurisdiction will not apply to any disputes for which the parties have actual notice on or prior to the date the change is posted on the Website.
Your continued use of the Website or any of our Services following the posting of revised Terms of Use means that you accept and agree to the changes. You are expected to check this page regularly so you are aware of any changes, as they are binding on you.
SERVICES
SBL provides users the opportunity to obtain information about certain loans and other financial products and services offered through affiliates of SBL, third-party service providers, and advertisers. SBL is not acting as your agent or advisor to you or any other third party. You acknowledge and agree that our Website is solely an intermediary to connect users with service providers in order to obtain information about certain financial products and services. You acknowledge and agree that we are not a financial institution, credit card issuer, or other financial service provider and that any information or advice made available through the Services is for informational purposes only. We do not, and will not, make any coverage or credit decision with any service provider that may be referred to you through our Services. We do not (i) validate the licensing, certification or other qualification of Service Providers that you may encounter through our Services, (ii) guarantee the terms or rates offered by any third party through or on our Services, or (iii) issue credit cards or any other financial products.
We are not responsible for the conduct or policies of the service providers. The terms and rates provided by any service provider will be subject to the applicable terms and conditions of the products and services offered by the service providers.
ELIGIBILITY
This Website and our Services are offered and available to users who are 18 years of age or older and reside in the United States or any of its territories. By using this Website, you represent and warrant that you are of legal age to form a binding contract with the SBL and meet all of the foregoing eligibility requirements. If you do not meet all of these requirements, you must not access or use the Website or any of the Services.
ACCESSING THE WEBSITE AND ACCOUNT SECURITY
We reserve the right to withdraw or amend this Website, and any service or material we provide on the Website, in whole or in part, in our sole discretion without notice. We will not be liable if for any reason all or any part of the Website is unavailable at any time or for any period. From time to time, we may restrict access to some parts of the Website, or the entire Website, to users.
In order to access some of the Services, you may be required to provide certain contact information, including your email or phone number, through our Website. You agree that all information you provide directly to us on our Website or through other communications with us is governed by our Privacy Policy and you consent to all actions we take with respect to your information consistent with our Privacy Policy.
In order to receive information about financial services and products from both affiliates and third party service providers, you will be required to submit a request (“Information Request”) that provides certain information about yourself to affiliates and third parties, depending on the financial information requested, such as your email address, phone number, credit score, and financial information (“User Data”). You represent and warrant that all User Data that you submit is true and accurate, and that you are authorized to share it with us. You agree that all User Data submitted in an Information Request is governed by the privacy policies of such service provider or third party to whom you submit the Information Request. You authorize the service providers and their affiliates to conduct all necessary research with your User Data for purposes of providing you with the information you request.
By providing us with contact information through the Website or any of the Services, you agree to receive communications from us, either directly, on our Website, or through a third party, including via email, calls and text messages. We may also contact you by telephone using an automated dialing system along with a pre-recorded message or interactive voice response system. These calls may be for information and marketing purposes, including to provide you with information about SBL’s Services. Standard text message and minute charges applied by your cell phone carrier will apply. If you wish to opt out of these communications, please either follow the unsubscribe options in the email itself or email SBL at info@smallbusinessloans.com. You may update your contact information by contacting us at info@smallsinessloans.com. Additionally, by submitting Information Requests, you consent to be contacted by the relevant affiliates and third party service providers via email or telephone. Any request to opt out of such communications must be directed to such service provider.
INTELLECTUAL PROPERTY RIGHTS
The Services are protected by applicable copyright and other intellectual property laws, and no materials from the Services may be copied, reproduced, republished, uploaded, posted, transmitted, or distributed in any way without our express permission. All trademarks and service marks on the Services belong to SBL, except third-party trademarks or service marks, which are the property of their respective owners. You represent and warrant that you own or otherwise have the right to use any content you post to the Services.
PROHIBITED USES AND CONTENT STANDARDS
You may use the Website and the Services only for lawful purposes and in accordance with these Terms of Use. You agree not to use the Website or the Services:
Use the Services for any illegal purpose, or in violation of any local, state, national, or international law;
Violate or encourage others to violate the rights of third parties, including intellectual property rights;
Post, upload, or distribute any content that is unlawful, defamatory, libelous, inaccurate, or that a reasonable person could deem to be objectionable, profane, indecent, pornographic, harassing, threatening, hateful, or otherwise inappropriate;
Interfere in any way with security-related features of the Services;
Interfere with the operation or any user’s enjoyment of the Services, including by uploading or otherwise disseminating viruses, adware, spyware, worms, or other malicious code, making unsolicited offers or advertisements to other users, or attempting to collect personal information about users or third parties without their consent;
Perform any fraudulent activity, including impersonating any person or entity, claiming false affiliations, accessing the accounts of other users without permission, or falsifying your identity or any information about you, including age or date of birth;
Sell or otherwise transfer the access granted herein;
Use any robot, spider or other automatic device, process or means to access the Website for any purpose, including monitoring or copying any of the material on the Website.
RELIANCE ON INFORMATION POSTED
The information presented on or through the Website and our Services is made available solely for general information purposes. We do not warrant the accuracy, completeness or usefulness of this information. Any reliance you place on such information is strictly at your own risk. We disclaim all liability and responsibility arising from any reliance placed on such materials by you or any other visitor to the Website, or by anyone who may be informed of any of its contents.
This Website includes content provided by third parties, including materials provided by other users and third-party licensors, affiliates, aggregators and financial service providers. All statements and/or opinions expressed in these materials, and all articles and responses to questions and other content, other than the content provided by SBL, are solely the opinions and the responsibility of the person or entity providing those materials. These materials do not necessarily reflect the opinion of SBL. We are not responsible, or liable to you or any third party, for the content or accuracy of any materials provided by any third parties.
CHANGES TO THE WEBSITE
We may update the content on this Website from time to time, but its content is not necessarily complete or up-to-date. Any of the material on the Website may be out of date at any given time, and we are under no obligation to update such material.
LINKS FROM THE WEBSITE
If the Website contains links to other sites and resources provided by third parties, these links are provided for your convenience only. This includes links contained in advertisements and financial information, including banner advertisements and sponsored links. We have no control over the contents of those sites or resources, and we accept no responsibility for them or for any loss or damage that may arise from your use of them. If you decide to access any of the third-party websites linked to this Website, you do so entirely at your own risk and subject to the terms and conditions of use for such websites.
SBL and its affiliates, suppliers and partners make no warranty that:
The Website or the Services will meet your requirements.
The Website or the Services will be uninterrupted, timely, secure or error-free.
There will be no errors in the Website or the Services or that SBL will fix any errors.
Any materials downloaded or otherwise obtained through use of the Website or the Services are provided at your own discretion and risk, and SBL shall not be responsible for any damage caused to your computer or data or for any bugs, viruses, trojan horses or other destructive code resulting from use of the Website or the Services.
The foregoing does not affect any warranties which cannot be excluded or limited under applicable law.
LIMITATION ON LIABILITY
IN NO EVENT WILL SBL, ITS AFFILIATES, OR THEIR LICENSORS, SERVICE PROVIDERS, EMPLOYEES, AGENTS, OFFICERS OR DIRECTORS BE LIABLE FOR DAMAGES OF ANY KIND, UNDER ANY LEGAL THEORY, ARISING OUT OF OR IN CONNECTION WITH YOUR USE, OR INABILITY TO USE, THE WEBSITE, ANY WEBSITES LINKED TO IT, ANY CONTENT ON THE WEBSITE OR SUCH OTHER WEBSITES, OR ANY SERVICES OR ITEMS OBTAINED THROUGH THE WEBSITE OR SUCH OTHER WEBSITES, INCLUDING ANY DIRECT, INDIRECT, SPECIAL, INCIDENTAL, CONSEQUENTIAL OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO, PERSONAL INJURY, PAIN AND SUFFERING, EMOTIONAL DISTRESS, LOSS OF REVENUE, LOSS OF PROFITS, LOSS OF BUSINESS OR ANTICIPATED SAVINGS, LOSS OF USE, LOSS OF GOODWILL, LOSS OF DATA, AND WHETHER CAUSED BY TORT (INCLUDING NEGLIGENCE), BREACH OF CONTRACT OR OTHERWISE, EVEN IF FORESEEABLE. SBL EXPRESSLY DISCLAIMS ANY AND ALL LIABILITY FOR ANY CONTENT, PRODUCTS OR SERVICES PROVIDED BY SERVICE PROVIDERS AND OTHER THIRD PARTIES. IF, NOTWITHSTANDING THE FOREGOING DISCLAIMER, SBL IS DETERMINED TO BE LIABLE TO YOU, YOU AGREE THAT IN NO EVENT SHALL SBL’S TOTAL LIABILITY EXCEED US$500.00. THESE LIMITATIONS AND EXCLUSIONS APPLY EVEN IF THIS REMEDY DOES NOT FULLY COMPENSATE YOU FOR ANY LOSSES OR FAILS OF ITS ESSENTIAL PURPOSE OR IF WE KNEW OR SHOULD HAVE KNOWN ABOUT THE POSSIBILITY OF THE DAMAGES.
The foregoing paragraph does not affect any liability which cannot be excluded or limited under applicable law.
INDEMNIFICATION
You agree to defend, indemnify and hold harmless SBL, its affiliates, licensors and service providers, and its and their respective officers, directors, employees, contractors, agents, licensors, suppliers, successors and assigns from and against any claims, liabilities, damages, judgments, awards, losses, costs, expenses or fees (including reasonable attorneys’ fees) arising out of or relating to your violation of these Terms of Use or your use of the Website, including, but not limited to, the submission of your User Data, or any use of the Services, the Website’s content, or any products obtained through the Website or Services.
TERMINATION
If you violate these Terms, your permission to use the Services will automatically terminate. In addition, SBL in its sole discretion may suspend or terminate some or all of your access to the Services at any time, with or without notice to you.
DISCLAIMERS AND WARRANTIES
The Services are provided “as is” and on an “as available” basis, without warranty or condition of any kind, either express or implied. Although SBL seeks to maintain safe, secure, accurate, and well-functioning services, we cannot guarantee the continuous operation of or access to our Services, and there may at times be inadvertent technical or factual errors or inaccuracies.
- No Warranties. SBL specifically (but without limitation) disclaims (i) any implied warranties of merchantability, fitness for a particular purpose, quiet enjoyment, or non-infringement; and (ii) any warranties arising out of course-of-dealing, usage, or trade. You assume all risk for any/all damages that may result from your use of or access to the Services. SBL is not responsible for the loss of, damage to, or unavailability of any information you have made available through the Services, and you are solely responsible for ensuring that you have backup copies of any information you have made available through the Services.
- No Guarantee of Accuracy. SBL does not guarantee the accuracy of, and disclaims all liability for, any errors or other inaccuracies in the information, content, recommendations, and materials made available through the Services.
- Services Provided for Informational Purposes. The information provided through the Services is provided solely for informational, educational, or entertainment purposes. SBL and the Services are not endorsed by or affiliated with FINRA, and SBL is not a financial institution or insurance provider. SBL makes no representations, warranties, or guarantees, express or implied, regarding the results or savings that may be obtained through the use of the Services. Before making any financial decisions or implementing any financial strategy, including recommendations of third parties identified through the Services, SBL recommends that you obtain additional information and advice of accountants or other financial advisors who are fully aware of your individual circumstances.
- Services Provided for Informational Purposes. SBL makes no representations, warranties, or guarantees, express or implied, regarding any third party service or advice provided by a third party, or any quotes or offers provided through the Services. SBL does not endorse any particular advisor or other third party. SBL acts solely as an intermediary between you and third party service providers and expressly disclaims any and all liability for any content, products, or services provided by such service providers.
GOVERNING LAW AND JURISDICTION
All matters relating to the Website and these Terms of Use and any dispute or claim arising therefrom or related thereto (in each case, including non-contractual disputes or claims), shall be governed by and construed in accordance with the internal laws of the State of California without giving effect to any choice or conflict of law provision or rule (whether of the State of California or any other jurisdiction).
Any legal suit, action or proceeding arising out of, or related to, these Terms of Use or the Website shall be instituted exclusively in the federal courts of the United States or the courts of the State of California, You waive any and all objections to the exercise of jurisdiction over you by such courts and to venue in such courts.
WAIVER AND SEVERABILITY
No waiver by SBL of any term or condition set forth in these Terms of Use shall be deemed a further or continuing waiver of such term or condition or a waiver of any other term or condition, and any failure of SBL to assert a right or provision under these Terms of Use shall not constitute a waiver of such right or provision.
If any provision of these Terms of Use is held by a court or other tribunal of competent jurisdiction to be invalid, illegal or unenforceable for any reason, such provision shall be eliminated or limited to the minimum extent such that the remaining provisions of these Terms of Use will continue in full force and effect.
ENTIRE AGREEMENT
These Terms of Use, our Privacy Policy, and our Advertising Disclosure constitute the sole and entire agreement between you and SBL with respect to the Website and the Services and supersede all prior and contemporaneous understandings, agreements, representations and warranties, both written and oral, with respect to the Website and the Services.
CONTACT INFORMATION
This Website is operated by SmallBusinessLoans LLC, and any legal notices may be sent:
Attn: Legal Department
666 3rd Ave Suite 0615
New York, NY 10017-4064
All feedback, comments, requests for technical support and other communications relating to the Website should be directed to: info@smallbusinessloans.com