Terms of Use
Lending Buddies doing business as Lending Buddies ("Lending Buddies" or "we" or "our"), owns and operates the website located at Lending Buddies (the "Site"). Lending Buddies provides and maintains this Site for your information, conditioned on your acceptance, without modification, of the terms, conditions and notices contained in these Terms of Use and in our Privacy Policy. By accessing and using the Site, you accept and agree without limitation to the following:
Products and Services
Lending Buddies is not a lender and is not responsible for any lending product advertised or offered to you, or for any credit decisions made about you. No specific loan products are offered to you on this Site. Specific loan products are offered to you directly by the lender.
Esign Consent
You agree that clicking "Get Cash Now" (or other such button you use to submit your loan request) acts as your electronic signature. You further consent that we and any lender we share your request with can communicate with you electronically and that any required disclosures may be provided to you electronically, including without limitation any notices of adverse action that a lender is required send to you. You also confirm that you have the ability to access documents electronically, including the ability to view and save PDF files.
Loan Inquiry Policy
Lending Buddies reserves the right to reject your inquiry at any time for any reason not prohibited by law. Lending Buddies may require additional information or verification before your loan request is accepted. When you submit your information through a form on our Site, you will be connected with a lender for further consideration based on the lender's policies and procedures. This does not mean your loan has been approved. Loan approval is solely the lender's decision. Lending Buddies is not responsible for taking, approving or denying your loan request.
Credit References
Participating lenders and lending partners may verify your social security number, driver's license number or other federal or state identification, as well as review your credit worthiness through national databases that may include Equifax, Transunion, Experian and other credit bureaus. By submitting your information to us, you agree that lenders and lending partners may obtain such credit reports and verify your information.
Restrictions
You must be 18 years or older and a legal resident of the United States to submit a loan request. You agree not to use this Site for any illegal or inappropriate activities.
Compliance With Laws
You agree to comply with all applicable laws, statutes, ordinances and regulations regarding your use of this Site and your acceptance or purchase of products or services through any of this Site's third party vendors. Lending Buddies may, in its sole discretion, report actual or perceived violations of law to law enforcement or other authorities.
Intellectual Property
The trademarks, titles, characters, trade names, graphics, designs and other properties, including all software, text and images appearing on this Site is the intellectual property of Lending Buddies, its licensees, or other third parties who have authorized use of such properties on the Site. You have permission to view and make copies of documents, pages, images or other materials or content on this site for the sole purposes of requesting a loan. Lending Buddies reserves all other rights in this Site and its contents.
Limitation of Liability and Disclaimer of Warranties
NEITHER Lending Buddies NOR ANY OTHER PARTY INVOLVED IN CREATING, PRODUCING OR DELIVERING THIS SITE SHALL BE LIABLE FOR ANY DIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL, INDIRECT OR PUNITIVE DAMAGES ARISING OUT OF YOUR ACCESS TO, OR USE OF, THIS SITE. EVERYTHING ON THIS SITE IS PROVIDED "AS IS" AND WITHOUT WARRANTY OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO, ANY IMPLIED WARRANTY OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE OR NON-INFRINGEMENT.
Privacy
Lending Buddies's Privacy Policy, which is incorporated herein by reference, is applicable to any data supplied through this Site. The Privacy Policy sets out your rights and our responsibilities regarding your personal information. Lending Buddies reserves the right, in its sole discretion, to modify the Privacy Policy without prior notice to you.
Security
Lending Buddies uses industry-recognized technology to protect your personal information. Although Lending Buddies takes commercially reasonable measures to secure your personal information submitted through this Site, Lending Buddies cannot guarantee that your information will not be intercepted or decrypted by others.
Binding Arbitration
Should any dispute arise as to the interpretation of any term or provision of these Terms of Use or with regard to any of your dealings Lending Buddies or with any lender you borrow from as a result of Lending Buddies's service, those issues shall be decided by binding arbitration. Arbitration proceeding shall be conducted under the applicable rules of the American Arbitration Association or JAMS in Clark County, Nevada. The decision of the arbitrator shall be final and binding on both parties.
Modification
Lending Buddies reserves the right to modify these Terms of Use from time to time and without notice to you. Your use of this Site after such modification constitutes your acceptance of and agreement to any new or amended terms.
Indemnification
By using this Site, you agree to indemnify, defend and hold harmless Lending Buddies, its subsidiaries, affiliates, officers, agents and other partners and employees, from any loss, liability, claim or demand, including reasonable attorneys' fees, made by any third party due to or arising out of your use or attempted use of the Site.