1. INTRODUCTION
We welcome you to EpikLoan.com. When you use this site and send your data through it you are agreeing and complying with the terms that will follow and the arrangements and conditions that are states herein (it will herein be called the “Customer Agreement”), as well as consenting to the rules and regulations stated in the Privacy Policy. This policy has been revised October 19, 2016.
EpikLoan.com: is not a lender and does not make lending decisions. We hold our network of lenders to high standards of compliance and best practices. We strive to ensure that each marketing message you see from us is accurate and informative. When we connect you with a lender, we expect that lender to fully inform you of the loan being offered, including all of the disclosures required by federal, state and local statutes and regulations. Whether you accept the loan or not is completely up to you, and there is no obligation if you reject it.
As managers of this website, we reserve the right to change or adapt this Customer Agreement at any time without providing any notice. You agree to monitor this Customer Agreement periodically and make not of any revisions.
2. FAIR AND ABLE DEPLOYMENT
Anyone using the site agrees to make use of the site’s Features for the purposes expressed and permitted within (1) the rules of the User Agreement, and (2) the fair use and modes of conduct established for behaviors using online resources.
In which, you understand the following:
In order to access some of the Features that we offer, visitors to the site may have to volunteer specific personal information about oneself or one’s business (including information personal to yourself and your financial accounts as a condition of enrollment. You agree to present accurate and honest accounts of your information.
Any efforts on your part to access the site, or portions of the site and its resources by means other than the ones that we have presented to you is forbidden. You hereby agree to refrain from accessing, or attempting to access, the site’s resources through any digital, unfair or unapproved methods.
Becoming a participant in any kind of organized or unorganized action targeted to exploit or undermine the site’s resources which include, but are not limited to, servers and other information technology equipment is forbidden.
Any attempt to copy, reproduce, mimic, or barter any of the site’s offerings, or trade on our resources is strictly forbidden. You hereby agree to reimburse and treat fairly EpikLoan.com and all of its personnel, including company officers, employees, staff and associated worker and other organizations and partners associated with the company, license holders and operators, covering costs for logical legal fees and payments for any mishaps, misfortunes, losses, damages and misappropriations, due to charges of dissatisfaction or mishandling of matters related to the business at hand, or difficulties experienced by the use of your account by yourself or anyone else using your account for mischievous purposes. We hold all rights and authority to maintain the safety and security of the site and all of the resources and offerings presented, in a reasonable and expedient manner.
3. SAFETY
Maintaining the safety of all of our clients is a top priority for us. Because of that we established a Privacy Policy that establishes the methods we use to collect, monitor, handle, protect and maintain your personal information. You can read about our methods of safeguarding information in the passages of this user agreement.
4. ASSURANCES
EpikLoan.com users hereby agree to assure that they will consider us free from harm for any charges or claims that you make or your family member or associates make due to any offerings accepted through the website, including equitable lawyers’ fees.
5. ALLOWING COMMUNICATION
When you submit your information on the site you are agreeing to allow third parties, agents and lenders to communicate with you, on an unlimited basis, by telephone, postal mail, email and other forms of communication.
6. CREDIT CHECKS
Lenders will be allowed to access and verify your credit data, which can include your driver’s license number, Social Security Number and other state, federal or local identification. Your credit history can also be viewed and evaluated to determine your credit worthiness. Credit bureaus, such as TransUnion, Experian and Equifax may be consulted. When you submit your information to this site you agree to allow lenders to check your credit report and validate your identification documents.
7. COPYRIGHTS AND TRADEMARKS
Certain intellectual property on this site, which can include but is not limited to graphics, photographs, designs, characters, trade names, titles as well as electronic intellectual property such as software products and written information is the sole property of EpikLoan.com, and those who have licensed it, or other authorized persons who are associated with the site.
Users of the site can use the intellectual property on the site, including copying documents, viewing and recording information and images in order to obtain a loan, but for no other purposed. We reserve ownership of this site and all of its content. You are not permitted to display, retransmit, distribute or otherwise disperse the information and documents on the site without written permission from the site owners. No contents on the site should be interpreted as bestowing any permission or license to any copyrighted material, copyrights of other intellectual property.
8. DISCLAIMER & LEGAL RIGHTS AND WARRANTIES
We at EpikLoan.com have used every available means to ensure that information contained on the site is accurate, however complete accuracy is not ensured. We make no guarantees about the customer’s experience using this website or the ultimate outcome of your use of the site. EpikLoan.com and ANY OTHER ASSOCIATE OF THE COMPANY THAT HAS TAKEN PART IN DEVELOPING, MAINTAINING OR ENHANCING THIS SITE WILL BE HELD RESPONSIBLE AND THEREFORE LIABLE FOR ANY DIRECT OR INDIRECT, UNFORSEEN, CONSEQUENTIAL OR EXTRAORDINARY DISCIPLINARY PUNISHMENTS THAT DEVELOPED DUE TO USING OR ACCESSING THE SITE. ALL SITE CONTENT ARE PROVIDED WITHOUT WARRANTY AND SHOULD BE CONSIDERED ‘AS IS’ INCLUDING ANY EXPRESS OR IMPLIED WARRANTY, ABLENESS FOR AN EXPRESSED PURPOSE OR NON-INFRINGEMENT. THE TERMS OF THESE LIMITATIONS AND EXCLUSIONS ARE FUNCTIONAL TO THE COMPLETE EXTENT OF THE LAW.
9. WAIVE RIGHT TO DISPUTE
ACTION TO TRY OR RESOLVE A DISPUTE, INCLUDING THROUGH MEANS OF LITIGATION AND ARBITRATION SHALL BE HELD INDIVIDUALLY. YOU, AS WELL AS EpikLoan.com WILL NOT ATTEMPT TO SETTLE ANY DISPUTE IN A CLASS ACTION, VIA PRIVATE ACTION BY ATTORNEY GENERAL OR IN ANY MEANS THAT PERMITS PARTIES TO PERFORM IN A REPRESENTATIVE FASHION. ANY ARBITRATION OR HEARING CANNOT BE INCLUDED WITH ANOTHER SUCH ARBITRATION OR PROCEEDING EXCEPT WHEN WRITTEN CONSENT IS OFFERED BY ALL CONCERNED AND AFFECTED PARTIES IN THE HEARING. IN ADDITION, YOU AGREE TO AVOID SEEKING SETTLEMENT IN ANY DISPUTE WITH A LENDER THAT YOU HAVE BEEN REFERRED TO IN A CLASS ACTION, PRIVATE ATTORNEY GENERAL OR ANY OTHER SUCH ACTION WHERE INVOLVED PARTIES PERFORMS AS A REPRESENTATIVE. APPLICABLE LAW MAY LIMIT THIS CLASS ACTION WAIVER, BUT IT IS MEANT TO BE APPLIED TO THE FULLEST EXTENT OF THE LAW.