We make no representation that materials on this Site are appropriate or available for use in other locations. Spotloan’s Services may not be available to residents of all states.
Terms and Conditions for the Use of This Site
Use of this Site is at your own risk. We provide no warranty that our Site will operate without interruption or error, or that the Site and its server are free from viruses or other harmful technologies. Any subsequent damage to your computer system, or loss of data, that results from your use of the Site falls under your assumed risk and responsibility.
The Site and its content are provided “as-is” and without warranties of any kind, either expressed and implied, including, but not limited to, the warranty of merchantability, non-infringement of third parties’ rights, the warranty of fitness for a particular purpose, accuracy of data, and system integration.
You acknowledge and agree that Spotloan using the Site to provide its Services allows it to have complete authority, responsibility, supervision, and control over the provision of all such Services it offers.
Permissions and Restrictions for Use of This Site
Links and Third Parties
Our Site may contain links to websites owned by third parties. Such sites are provided solely as resources and as a convenience to our users. These links, and any associated content, are not intended to be an endorsement, recommendation, or referral for any website or third party, and we are not responsible nor do we make representation for any content, information, security practices, or privacy policies for these websites and/or third parties. If you, as a user of our Site, decide to access any third party website using links from our Site, you do so at your own risk. Site users are expected to independently assess whether information and resources from any website, including ours, will meet their needs.
If you are directed to this Site from a non-affiliated third-party you acknowledge that Spotloan does not make any representations or warranties regarding any non-affiliated third-party, the content of their site, or any acknowledgements you make by using a non-affiliated third party’s site.
Permission to Gather and Verify Data
Spotloan does not collect and store PII from Site users; any PII collected and received from you through your loan application for our Services is submitted voluntarily by you. Spotloan is committed to the protection and security of your PII that you provide us or that we obtain about you from third parties with your consent. Spotloan has implemented administrative, technical, and physical safeguards to protect and secure your PII. More information regarding PII and its use on our Site and in our Services can be found in our Privacy Notice.
You agree not to provide any user information that: (a) is false, inaccurate, defamatory, abusive, libelous, unlawful, obscene, threatening, harassing, fraudulent, pornographic, or harmful, or that could encourage criminal or unethical behavior; (b) violates or infringes the privacy, copyright, trademark, trade dress, trade secrets, or intellectual property rights of any person or entity; or (c) contains or transmits a virus or any other harmful component.
You give Spotloan permission to verify the information you provided to us in your loan application for our Services. We may also use the information you provided to gather additional data related to your loan application for our Services. This information may come from a number of sources, including consumer reporting agencies and sources named in the loan application, and may be shared with our employees, affiliates, vendors, partners, and third parties as required to offer you a loan.
Important information about procedures for opening a new loan:
To help the government fight the funding of terrorism and money laundering activities, federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account with us for our Services. When you apply for a loan, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask for a copy of your driver’s license or other identifying documents, and we may use this information to verify your identity or other information you provide.
Collection and use of bank account information:
If we extend credit and provide our Services to you, we will consider the bank account information provided by you as eligible for us to process payments. In addition, as part of our information collection process, we may detect additional bank accounts under the ownership of you. We will consider these additional accounts to be part of the loan application process.
Credit reporting disclosure:
We may make inquiries concerning your credit history and standing to third parties such as credit reporting agencies, and may report information concerning your performance including, but not limited to, missed payments, or other defaults, to credit reporting agencies. Missed payments or other defaults on your loan may be reflected in your credit report.
Accuracy of your account information:
In keeping with reasonable industry standards, we have procedures to ensure that your financial information is accurate, current, and complete. If you believe our records contain inaccurate or incomplete information about you, please notify us. We will investigate your concerns and correct any information we determine to be inaccurate.
Contact and marketing preferences:
Spotloan may contact you by several methods, including but not limited to, electronic mail to any email address you provide, regular U.S. Postal mail to any address we have on file, calling you at any number you provide to us with an auto-dialer or pre-recorded message, and text messaging or via other mobile communications method, if you have provided your mobile telephone number to us. We may use one or all of these methods to contact you about your loan or application for our Services, inform you of promotions, savings, and/or services we believe may interest you, remind you of upcoming payments, and to communicate with you regarding collections and other loan-related issues.
It is your responsibility to keep your contract information up to date with Spotloan. If we are unable to reach you using the contact information we have, we may reach out to third-parties to obtain updated contact information for you. You authorize Spotloan and its authorized representatives to call you using a predictive dialer or other automated telephone dialing device during reasonable hours at any of the phone numbers you provide to us by pre-recorded message or live representative. However, you are not required to provide this authorization as a condition of entering into your loan. You may update your contact information and preferences by calling us at (888) 681-6811 or emailing us at firstname.lastname@example.org.
Certification and release:
Limitations on Liability
Spotloan shall not be liable to any user of this Site for any damages whatsoever resulting from your use or inability to use this Site, its material, or any third party websites linked to this Site, including, but not limited to, direct, indirect, incidental, punitive, special, exemplary, or consequential damages (including, but not limited to, any lost profits, business interruption, lost savings, or loss of programs or other data), whether based on warranty, contract, tort, or any other legal theory, and whether we are advised of the possibility of such damages.
You agree that your sole remedy to any problem with this Site, including errors from and inaccuracies within, is to cease using this Site and the Services offered. Spotloan and any third party who promotes the Services or provides you with a link to this Site, shall not be liable for your use of this Site, including, but not limited to, any errors or omissions in any content, any infringement by any content of the intellectual property rights or other rights of third party, or for any loss or damage of any kind incurred as a result of its use.
Waiver and Severability
Jurisdiction and Choice of Law