Terms of Use

These terms of use (“Terms of Use”) are provided on behalf of The Loan Store LLC (“TLS”, “we”, “us”, “our”). By using http://www.theloanstore.com, including any sub-domain thereof (the “Site”), you signify that you have read, understand and agree to be bound by these Terms of Use. Please read them very carefully. If you do not wish to be bound by these Terms of Use, you should not access or use the Site. In addition to these Terms of Use, you may enter into other agreements with us and with others that will govern your use of the products and services offered on the Site. If there is any contradiction between these Terms of Use and another agreement you enter into that is applicable to a product or service offered on the Site, then the other agreement will take precedence as it applies to the product or service.

Eligibility

This Site is intended solely for users who are 18 years of age or older, and any use of the Site by anyone under 18 is unauthorized and in violation of these Terms of Use. By using the Site, you represent you are 18 or older and that you agree to and to abide by all of the terms and conditions of these Terms of Use. If you violate any of these Terms of Use, or violate any other agreement with us, we may terminate prohibit you from using or accessing our products and services or the Site.

Privacy

The Privacy Policy and explains how the personal information you provide on this Site is used and protected by TLS when you use the Site.

Restrictions on Use

You agree to abide by all applicable laws and regulations in your use of the Site and the products and services available through our Site.

Copyright Complaints

If you believe that any material on the Site infringes upon any copyright that you own or control, you may send a written notification to us via email at customer support@theloanstore.com, or via regular mail at 222 Kearny St., Ste. 603, San Francisco, CA 94108. In your notification please:

  • confirm you are the owner, or authorized to act on behalf of the owner, of the copyrighted work that has been infringed;
  • identify the copyrighted work or works you claim has been infringed;
  • identify the material that you claim is infringing or is the subject of infringing activity and that is to be removed; please include information reasonably sufficient to permit us to locate the material;
  • provide your contact details, including an email address; and
  • provide a statement that the information you have provided is accurate and that you have a good-faith belief that use of the material in the manner complained of is not authorized by the copyright owner, its agent or the law.

Changes and Modifications

We reserve the right to temporarily or permanently modify or discontinue the Site, or any portion of the Site, for any reason, without notice to you. We may also change the Terms of Use from time to time without notice to you. Please review these Terms of Use from time to time because your continued access or use of the Site after any modifications have become effective shall be deemed your conclusive acceptance of the modified Terms of Use.

Links

We are not responsible for the information practices employed by websites linked to or from our Site. In most cases, links to third party websites are provided solely as pointers to information on topics that may be useful to our users. Since third party websites may have different privacy policies and/or security standards governing their sites, we advise you to review the privacy policies and terms and conditions of these sites prior to providing any personal information.

No Warranty; Errors

The Site and the products and services are provided “as is” and without any representation or warranty, whether express, implied or statutory.  TLS and our respective officers, directors, agents, employees and suppliers specifically disclaim any implied warranties of title, merchantability, fitness for a particular purpose and non-infringement.  We do not warrant the accuracy, adequacy or completeness of the information provided on the Site and we expressly disclaim liability for any errors or omissions in such information. We do not guarantee continuous, uninterrupted or secure access to the Site, and the operation of the Site may be interfered with by numerous factors outside of our control.  We do not guarantee or promise any specific results from use of the Site and/or our products and services. Calculators and tools on the Site provide you with estimates that may be different than actual amounts. We are not responsible for the conduct, whether online or offline, of any user of the Site or the products or services available through it.

You agree that TLS, on behalf of itself or any lender, may promptly correct any error that we discover, including any error in calculating your loan rates. If the error results in your receipt of an incorrect interest rate, APR, origination fee, or monthly amount owed to TLS we will notify you and provide you with the correct rate. You agree to provide any additional consents necessary to correct any errors that occur.

Limitation of Liability

You agree that all access and use of the Site and its contents and your use of the products and services is at your own risk. In no event shall we, UNT or any Lender be held liable for any damages, including direct or indirect, special, incidental, or consequential damages, losses or expenses arising in connection with the Site or any linked site or use thereof or inability to use by any party, or in connection with any failure of performance, error, omission, interruption, defect, delay in operation or transmission, computer virus or line or system failure, even if we, a Lender or our respective representatives are advised of the possibility of such damages, losses or expenses.

Intellectual Property

You agree that the Site and all logos related to ours and the products and services are ours, and relevant licensors’ trademarks or registered trademarks, respectively. You may not copy, imitate or use them without our prior written consent. In addition, all page headers, custom graphics, button icons, and scripts are our service marks, trademarks, and/or trade dress. All right, title and interest in and to the Site, any content thereon, our products and services, the technology related to our products and services, and any and all technology and any content created or derived from any of the foregoing is our or our licensors’ exclusive property.

Miscellaneous

These Terms of Use shall be governed in all respects by the laws of the State of California, without regard to its provisions relating to conflict of laws. Our failure to exercise or enforce any right or provision of the Terms of Use shall not constitute a waiver of such right or provision. If any provision of the Terms of Use 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 Terms of Use remain in full force and effect.

Effective Date: August 5, 2019. If you have questions or concerns regarding these terms, you should contact us by emailing us at customersupport@theloanstore.com.