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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.

PLEASE TAKE NOTICE THAT THIS CONSENT IS DEMANDED BY ONE OR MORE OF THE LENDERS TO WHOM YOU WILL BE REFERRED. IT DOES NOT GOVERN ANY COMMUNICATIONS FROM THE OWNER OF THIS WEBSITE.WE MAKE NO REPRESENTATIONS AS TO WHAT IF ANY COMMUNICATIONS YOU WILL RECEIVE FROM SUCH LENDER OR IF THIS NOTICE IS EFFECTIVE FOR SUCH COMMUNICATIONS. THE OWNER OF THIS WEBSITE GENERALLY AND SPECIFICALLY DISCLAIMS ANY AND ALL LIABILITY FOR USE OF THIS CONSENT DOCUMENT.

CONSENT FOR ELECTRONIC SIGNATURES, RECORDS, AND DISCLOSURES ("E-Consent")

Please read this information carefully and print a copy and/or retain this information for future reference.

Introduction. In order to offer you a loan, one or more of the third party lenders need your consent to use and accept electronic signatures, records, and disclosures ("E-Consent"). This form from such lender, notifies you of your rights when receiving electronic disclosures, notices, and information. By clicking on the link assenting to this notice, you acknowledge that you received this E-Consent and that you consent to conduct transactions using electronic signatures, electronic disclosures, electronic records, and electronic contract documents ("Disclosures").

Option for Paper or Non-Electronic Records. You may request any Disclosures in paper copy by contacting the third party lender directly. The lenders will provide paper copies at no charge. The lenders will retain all Disclosures as applicable law requires.

Scope of Consent. The lender has informed us that this E-Consent applies to all interactions online concerning you and the third party lender and includes those interactions engaged in on any mobile device, including phones, smart-phones, and tablets. By exercising this E-Consent, the third party lender may process your information and interact during all online interactions with you electronically. The lender may also send you notices electronically related to its interactions and transactions. Disclosures may be provided online at our or third party lenders' websites, and may be provided by e-mail.

Consenting to Do Business Electronically. Before you decide to do business electronically with the third party lenders, you should consider whether you have the required hardware and software capabilities described below.

Hardware and Software Requirements. To access and retain the Disclosures electronically, you will need to use the following computer software and hardware: A PC or MAC compatible computer or other device capable of accessing the Internet, access to an e-mail account, and an Internet Browser software program that supports at least 128 bit encryption, such as Microsoft® Internet Explorer, Netscape® or Mozilla Firefox®. To read some documents, you may need a PDF file reader like Adobe® Acrobat Reader X ® or Foxit®. You will need a printer or a long-term storage device, such as your computer's disk drive, to retain a copy of the Disclosures for future reference. You may send any questions regarding the hardware and software requirements directly to the third party lenders.

Withdrawing Consent. Your E-Consent for our third party lenders' consideration of your matching request cannot be withdrawn because it is a one-time transaction.If you are matched with one or more third party lenders, you are free to withdraw your E-Consent with those third party lenders at any time and at no charge. However, if you withdraw this E-Consent before receiving credit, you may be prevented from obtaining credit from that lender.Contact the third party lender directly if you wish to withdraw this E-consent.If you decide to withdraw this E-Consent, the legal effectiveness, validity, and enforceability of prior electronic Disclosures will not be affected.

Change to Your Contact Information. You should keep third party lenders informed of any change in your electronic address or mailing address. You may update such information by logging into the third party lender's website or by sending the lender a written update by mail.

YOUR ABILITY TO ACCESS DISCLOSURES. BY CLICKING THE LINK, YOU ASSENT TO THE TERMS OF THIS DISCLOSURE . YOU ACKNOWLEDGE THAT YOU CAN ACCESS THE DISCLOSURES IN THE DESIGNATED FORMATS DESCRIBED ABOVE.

CONSENT. BY CLICKING THE LINK,YOU ACKNOWLEDGE YOU HAVE READ THIS INFORMATION ABOUT ELECTRONIC SIGNATURES, RECORDS, DISCLOSURES, AND DOING BUSINESS ELECTRONICALLY. YOU CONSENT TO USING ELECTRONIC SIGNATURES, HAVING ALL DISCLOSURES PROVIDED OR MADE AVAILABLE TO YOU IN ELECTRONIC FORM AND TO DOING BUSINESS WITH THE LENDER ELECTRONICALLY. YOU ACKNOWLEDGE THAT YOU MAY REQUEST A PAPER COPY OF THE ELECTRONIC RECORDS AND DISCLOSURES, WHICH WILL BE PROVIDED TO YOU AT NO CHARGE. IF YOU REFRAIN FROM PROCEEDING THEN YOU NEITHER WISH TO USE ELECTRONIC SIGNATURES NOR CONDUCT THIS TRANSACTION ELECTRONICALLY. YOU ALSO ACKNOWLEDGE THAT YOUR CONSENT TO ELECTRONIC DISCLOSURES IS REQUIRED TO RECEIVE SERVICES FROM THIRD PARTY LENDERS OVER THE INTERNET.

EpikLoan.com holds its lenders up to a strict standard. We continually strive to make sure that all applicants have full information and disclosure before entering into a loan with any loan provider. While, each lender has their own respective practices and are controlled by their respective states, there are general rules of conduct for each lender to adhere to. This is to additional of any rules that can be enforced by their local government and from the federal Truth in Lending Act. The following are the guidelines for the lenders to adhere to.

Rules for responsible Lending:

• All communications with lenders are to be during normal hours.
• All communications between lender and client are to be deemed respectable
• There shall be full transparency with full disclosure.
• The Lender shall not engage in deceitful practices.

The Truth in Lending Act requires full disclosure of all loan fees and interest rates that borrowers may incur. All fees and rate information should be disclosed to you by your lender at the time of approval. Upon the conclusion of lender approval, most lenders will direct you to an e-signature page. This page is provided to you by the lender to which you were matched.

Apply for a loan onlineusing EpikLoan.com does not cost anything. EpikLoan.com is not a lender and does not provide lending services directly to consumers. Based on the information you submit, EpikLoan.com searches our network of lenders to match you with the lender and loan that may be suited to your needs.

EpikLoan is not a lender – as such, we do not have control over the APR you will be offered. We display a Representative APR only as it is based on data offered from multiple lenders. Qualified consumers can get a loan with APR Rates ranging from 5.99% to 35.99% and loans repayment period of 61 to 90 days. Your loan amount, APR and repayment term will vary based on your credit worthiness, state and lender or lending partner. Although some providers offer rates from 5.99% up to 35.99% APR rates that low are only available to certain customers. Important Information: Some lenders and services may not be accessible to residents of all States based on lender’s preferences and legislation particular to that State.

Examples of Costs & APR

Loan Amount	Interest Rate	Loan Term	Fee %	Fee Cost	Montly Payment	APR Rate	Total Repayments	Total Cost
$1,000	24.00%	12 months	3.00%	$30	$94.56	29.82%	$1,134.72	$164.72
$2,000	19.00%	24 months	5.00%	$30	$100.82	24.12%	$2,419.68	$519.68
$5,000	13.00%	48 months	8.00%	$400.00	$131.67	18.23%	$6,320.12	$1,720.12
$10,000	7.90%	60 months	10.00%	$1000.00	$202.28	9.20%	$12,136.80	$3,136.80

Important Disclosures. Please Read Carefully.

This website provides its services free of charge. In order for us to provide a free service to you, we may receive compensation from third-party advertisers. This compensation may affect the manner in which certain products or services may be displayed throughout our website. Please note that not all financial service products or services are available through this website.

Material Disclosure:

The operator of this website is not a lender, and we do not control and are not responsible for the actions of any lender. Not all lenders in our network can provide up to $5,000. The service is not available in all states. Residents of New York are not eligible to use the service to request a loan. We can’t guarantee that your request will be accepted by one of participating lenders. The service is absolutely free. We do not charge you for any service. You may exit the process at any step as you are under no obligation to accept the loan presented. For details on your loan please contact your lender directly. Credit Implications We do not make any loans or credit decisions. Our lenders may perform credit checks to determine your credit worthiness, credit standing and/or credit capacity. By submitting your request you agree to allow our lenders to verify your personal information and check your credit. Please be aware that missing a payment or making a late payment can negatively impact your credit score. Our lenders do not look at credit alone so a low score won't necessarily disqualify you. Our lenders also look at income and previous outstanding loans. APR Disclosure Your lender will provide you with the terms and fees of your loan, APR, repayment terms and costs prior to the execution of your loan documents. APRs and repayment terms provided by lenders may vary depending on specific criteria. Representative APRs range from 5.99% to 35.99%. Loans repayment period: minimum 61 Days, maximum 72 months APR is based on the amount of your loan, cost of the loan, term of the loan, repayment amounts and timing of payments and payoff. APRs may be regulated by state and local laws. As we do not have access to the terms of your loan, so only lenders can provide you with information about your loan terms and rates, renewal policy and the implications of non-payment and late payment.