The Terms of Use together with the Privacy Policy of Loanograph.com (hereinafter referred to as the “Company”) define the terms and conditions concerning your access to its website and its services. Please, read these Terms of Use carefully before you start using the Company’s website.
In case you disagree with the Company’s terms and policy, please, don’t access this website. Usage of the website implies that you’ve read, understood and agreed to these Terms of Use. By agreeing to use the Company’s website you admit that you are an adult legal resident of the United States
The website of the Company constitutes a free meeting ground between people seeking loans and third-party lenders. The Company is not a lender, it doesn’t represent any lenders, doesn’t get involved in any financial transactions and isn’t liable for lenders’ actions and your communication with them. The Company cannot guarantee that filing a request form will result in you being offered the loan you want since this decision is made only by third-party lenders and not by the Company.
Therefore, the Company isn’t responsible for the offers of third-party lenders concerning your request. If you feel unsure about taking a loan offer, you may turn to a professional for advice before making the final decision. The purpose of the Company’s website is to stand as a connecting platform between you and a lender only.
By continuing to use the Company’s website, you acknowledge that the Company isn’t held accountable for any financial costs or losses you may experience during your transactions with third-party lenders.
To get access to the Company’s services you need to sign up for its website and specify your personal details so that third-party lenders can make you an offer. By submitting the private data you agree to the fact that this information will be shared with the lenders that are working with the Company. The sharing is done in accordance with the Terms of Use, Privacy Policy and Marketing Practices of the Company. With the help of the information you submit, lenders may contact you via email, mail, phone, etc. Mind that your data (excluding your bank account and SSN) may also be given to third-party marketing companies by lenders for advertising purposes.
By submitting your private data you admit that you are aware of the fact that lenders may use this data in order to check your credit score. Some of such checks may have an impact on your credit score. Note that all the checks are done by lenders as financial services providers. The Company isn’t engaged in any verifications, inspections, assessments and reviews.
By using the website of the Company you agree to use it for purposes established by these Terms of Use and the US law. The Company prohibits all other usages such as copy, reproduction, sale, exploitation of the website material for any commercial purpose. Each of these actions is regarded as an unlawful one.
You acknowledge that this Agreement is supported by reasonable and valuable consideration, the receipt and adequacy of which is hereby acknowledged. Without limiting the foregoing, you acknowledge that such consideration includes, without limitation, your ability to visit, use and/or submit information to our Services.
You represent that you have the capacity to be bound by this Agreement, or if you are acting on behalf of a company or other entity, you have the authority to bind such company or entity. To determine your compliance with this Agreement, we may monitor your access and use of our Services in accordance with our Online Privacy Policy
Our Services are intended to be accessed and used only by adults and are not directed to minors. As stated in our Privacy Policy, we do not knowingly collect personal identifiable information from anyone under the age of 13 and you should not provide us with any information regarding any individual under the age of 13.
Your right to access and use our Services is personal to you and is not transferable by you to any other person or entity. You are only entitled to access and use our Services for lawful purposes and pursuant to the terms and conditions of this Agreement and the Privacy Policy.
Your access and use of our Services may be interrupted from time to time for any of several reasons, including, without limitation, the malfunction of equipment, periodic updating, maintenance or repair of our Services or other actions that we, in our sole discretion, may elect to take. We reserve the right to suspend or discontinue the availability of our Services and/or any portion or feature of our Services at any time in our sole discretion and without prior notice.
Any action by you that, in our sole discretion: (i) violates the terms and conditions of this Agreement and/or the Privacy Policy; (ii) restricts, inhibits or prevents any access, use or enjoyment of our Services; or (iii) through the use of our Services, defames, abuses, harasses, offends or threatens, shall not be permitted, and may result in your loss of the right to access and use our Services. You shall not modify, scrape, embed, or frame our Services without our prior written permission.
Subject to the terms of this Agreement and the Privacy Policy, we may offer you various Services. Below are terms and conditions governing these Services.
You Must Maintain the Integrity of Your Information. To use certain Services, you may be required to provide us with information about you, which may be of a confidential nature and may include personal identifying information, medical and health history information, and/or financial information (“Your Information”). If you provide Your Information to us then you agree to provide true, current, complete and accurate information, and not to misrepresent your identity. You also agree to keep Your Information current and to update Your Information if any of Your Information changes. Our collection, use and disclosure of Your Information is governed by this Agreement and our Privacy Policy.
You Are Responsible for Your Financial Decisions. We and our affiliates, through the Services, may provide a venue through which you can obtain information and you can find third-party service providers, such as financial institutions, credit card providers, mortgage brokers, insurance brokers, insurance agents, discount program representatives and other financial professionals (“Service Providers”). We do not endorse or recommend the products or services of any Service Provider, and are not an agent or advisor to you or any Service Provider. We do not validate or investigate the licensing, certification or other requirements and qualifications of Service Providers. It is your responsibility to investigate Service Providers. You acknowledge and agree that Service Providers are solely responsible for any services that they may provide to you and that we are not liable for any losses, costs, damages or claims in connection with, arising from, or related to, your use of a Service Provider’s products or services. We urge you to obtain the advice of financial advisors, insurance agents, brokers or other qualified professionals who are fully aware of your individual circumstances before you make any financial decisions. You acknowledge and agree that you rely on your own judgment and that of such advisors in selecting any products or services offered by Service Providers.
You Acknowledge and Agree that We are Not a Service Provider. We are not a lending institution, insurance provider or other Service Provider. Instead, we, through our Services, may help to connect you with Service Providers that might meet your needs based on information provided by you. We do not, and will not, make any coverage or credit decision with any Service Provider referred to you. We do not issue mortgages, credit cards, insurance coverage or any other financial products.
No Guarantee of Quotes, Fees, Terms, Rates, Coverage or Services. We do not make any warranties or representations regarding the quotes, fees, terms, rates, coverage or services offered or made available by Service Providers. We do not guarantee that quotes, fees, terms, rates, coverage or services offered by Service Providers are the best available.
You hereby release us of any and all losses, costs, damages or claims in connection with, arising from or related to your use of a Service Provider’s products or services, including any fees charged by a Service Provider.
All the content of the website, the material, logo, trademarks, service marks, etc. is protected by the copyright laws of the United States and belongs to the Company. Usage of the website doesn’t give you the right of ownership over the website and the information displayed on it. You can’t use the website content without the written permission of the Company. Any sale, reproduction, copy and other exploitations of the website content is illegal.
THE WEBSITE, ITS CONTENT AND SERVICES OFFERED BY THE COMPANY ARE GIVEN “AS IS”. YOU ACCESS THEM ON YOUR OWN RISK. THE COMPANY DOESN’T PROVIDE ANY WARRANTIES REGARDING THE SERVICES, PRODUCTS, INFORMATION, CONTENT OF THE WEBSITE AND RETAINS THE RIGHT TO CHANGE THEM WITHOUT NOTIFICATION. THE COMPANY DOESN’T GIVE GUARANTEES THAT ITS SERVICES, PRODUCTION AND INFORMATION WILL MEET YOUR REQUIREMENTS OR THAT THEY WILL BE SECURE OR ERROR-FREE. THE FUNCTIONALITY SOFTWARE AND ANY OTHER TECHNOLOGY THE COMPANY USES MAY COME WITH ERRORS. THE COMPANY WILL CORRECT THESE ERRORS WHEN POSSIBLE. THE COMPANY ALSO DOESN’T MAKE ANY WARRANTIES REGARDING THE SAFETY OF SOFTWARE, TOOLS AND WEBSITES OF THIRD PARTIES AND CAN’T BE HELD RESPONSIBLE FOR ANY OF THEIR FUNCTIONAL ERRORS. THE COMPANY ALSO DOESN’T GUARANTEE THAT SERVICES OF THIRD PARTIES WILL MEET YOUR REQUIREMENTS AND WON’T ACCEPT ANY LIABILITY FOR THE ACTIONS OF THIRD PARTIES. THE COMPANY HASN’T VERIFIED LINKS OF THIRD PARTIES THAT MAY BE ENCOUNTERED ON ITS WEBSITE. YOU ACCESS THIRD PARTIES’ LINKS, WEBSITES AND SERVICES AT YOUR OWN RISK.
THE COMPANY SHALL NOT BE HELD RESPONSIBLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL OR ANY OTHER LOSS OR DAMAGE YOU MAY EXPERIENCE WHILE USING THE WEBSITE AND THE SERVICES PROVIDED BY THIRD-PARTY LENDERS REGISTERED IN THE NETWORK OF THE COMPANY’S WEBSITE. THE ONE AND ONLY LIABILITY OF THE COMPANY IS LIMITED TO THE EXTENT OF MONEY YOU’VE PAID TO ACCESS AND USE THE COMPANY’S WEBSITE.
By submitting your private data to the website, you give the Company, financial services providers and other third parties partners permission to contact you via email, mail, SMS messages and phone calls for marketing and advertising purposes. In case you don’t want to receive such information, unsubscribe by removing your data from the Company’s opt-out system.
By using the Company’s website you agree to receive notifications, marketing and promotional materials, additional information, documentation, etc. from the Company, the lenders the Company works with and other third parties associated with the Company’s website.
When using the Website of the Company you may encounter information about the services of our partners and other third parties such as links to their websites, references, etc. You access them at your own risk and this information is provided for guidance only. The Company can’t be held responsible for any content, material inaccuracies and errors in the data available on these websites as well as for practices and policy of their owners.
Dealings with third parties that result from the usage of the Company’s website are made at your own risk. The Company shall not be held liable for your interaction with third parties. We may share your information with third parties when you use our Site to request a rate, quote, service, approval, or information from those third parties (a “Request”). IF YOU SUBMIT A REQUEST, SERVICE PROVIDERS MAY CONTACT YOU DIRECTLY WITH QUOTES VIA MAIL, TELEPHONE, TEXT MESSAGE, FAX, EMAIL, AND OTHER MEANS OF COMMUNICATION, YOU MAY RECEIVE TELEMARKETING CALLS AS A CONSEQUENCE OF SUBMITTING A REQUEST THROUGH OUR SERVICES, EVEN IF YOU ARE ON THE NATIONAL DO NOT CALL REGISTRY OR ANY OTHER DO NOT CALL REGISTRY.
By submitting a Request, you expressly consent to the third party conducting any research necessary to provide you with information about your Request. Third parties may need to share your information to conduct such research. As an example, if you request credit card offers, consumer reports may be ordered in connection with your request. Such reports may provide information that may assist in determining eligibility for credit card offers. Consumer reports may also be used for updates, renewal, or extensions of credit card offers.If you do not want third parties to conduct necessary research to provide you with a quote for your Request, then you should not submit a Request.
All disputes that may arise due to your use of the Company’s website or services is governed by law of the state that authorizes the Company’s website or services. In case a dispute takes place, you are to file your complaint formally to a respective institution that has the legal right to solve such cases in full compliance with the state and federal laws and provisions.
ALL DISPUTES THAT MAY ARISE BETWEEN YOU AND THE COMPANY SHALL BE SOLVED THROUGH ARBITRATION ONLY. BY CONTINUING USING THE COMPANY’S WEBSITE YOU AGREE TO THIS TERM. YOU ALSO AGREE THAT YOU GIVE UP YOUR RIGHTS TO REPRESENT YOURSELF INDIVIDUALLY OR THROUGH LEGAL COUNSEL IN COURT. YOU AGREE THAT YOUR RIGHT TO CLASS ACTION LAWSUITS ARE FOREGONE BY YOU
The matter of dispute shall be resolved by way of Arbitration. Please note, that in accordance with these Terms of Use the arbitrator won’t have the right to award damages exceeding maximum compensatory of damages exceeding Rs.10,000/-(Ten thousand Rupees). Your continuous usage of the website will mean that you waive your right to those damages as well. Any judgment of the arbitrator will be final for you, yet the Company may choose to file actions in any court within the jurisdiction of the respective location. The seat of Arbitration shall be Bengaluru, Karnataka India at Arbitration and Conciliation Center Bangalore. The Language of Arbitration shall be English.
In case you don’t agree with the arbitration clause of the present Terms of Use, you should send a written note to the Company within ten (10) days after accepting these Terms of Use. The note should contain your full name, address, email, phone number and the statement that you’ve chosen to reject the arbitration clause of the Company’s Terms of Use”. If you choose to do so, then you personally will have to file a complaint to the court within the jurisdiction of the respective location within one (1) year from the damage. If you don’t do so, then your actions will be deemed void.
By using the Company’s services and website, you agree to indemnify the Company, its parental company, subsidiaries and affiliates. That means that you agree that the Company won’t be held accountable for claims that may be made by you due to: 1) your usage of the Company’s website and services; 2) your violation of the present Terms of Use; 3) any interaction, communication or dispute between you and third parties.
THE CONTENT AND ALL SERVICES AND PRODUCTS ASSOCIATED WITH OUR SERVICES ARE PROVIDED TO YOU ON AN “AS-IS” AND “AS AVAILABLE” BASIS. WE MAKE NO REPRESENTATIONS OR WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, AS TO THE OPERATION OF OUR SERVICES OR THE INFORMATION, CONTENT, MATERIALS, PRODUCTS OR SERVICES INCLUDED ON OR ASSOCIATED WITH OUR SERVICES. YOU EXPRESSLY AGREE THAT YOUR USE OF OUR SERVICES AND ALL PRODUCTS AND SERVICES INCLUDED ON OR ASSOCIATED WITH OUR SERVICES IS AT YOUR SOLE RISK.
WE DO NOT MAKE, AND EXPRESSLY DISCLAIM, ANY REPRESENTATIONS, WARRANTIES OR GUARANTEES, EXPRESS OR IMPLIED, REGARDING THE ACCURACY, CORRECTNESS, OR COMPLETENESS OF THE CONTENT OR THE SERVICES AND PRODUCTS ASSOCIATED WITH OUR SERVICES, OR THE SAFETY, RELIABILITY, TITLE, TIMELINESS, COMPLETENESS, MERCHANTABILITY, CONFORMITY OR FITNESS FOR A PARTICULAR PURPOSE OF THE CONTENT OR THE SERVICES AND PRODUCTS ASSOCIATED WITH OUR SERVICES. IT IS YOUR SOLE RESPONSIBILITY TO INDEPENDENTLY EVALUATE THE ACCURACY, CORRECTNESS OR COMPLETENESS OF THE CONTENT AND THE SERVICES AND PRODUCTS ASSOCIATED WITH OUR SERVICES. WE MAKE NO REPRESENTATION, WARRANTY OR GUARANTEE THAT THE CONTENT THAT MAY BE AVAILABLE FOR DOWNLOADING FROM OUR SERVICES IS FREE OF INFECTION FROM ANY VIRUSES, WORMS, TROJAN HORSES, TRAP DOORS, BACK DOORS, EASTER EGGS, TIME BOMBS, CANCELBOTS OR OTHER CODE OR COMPUTER PROGRAMMING ROUTINES THAT CONTAIN CONTAMINATING OR DESTRUCTIVE PROPERTIES OR THAT ARE INTENDED TO DAMAGE, DETRIMENTALLY INTERFERE WITH, SURREPTITIOUSLY INTERCEPT OR EXPROPRIATE ANY SYSTEM, DATA OR PERSONAL INFORMATION. WE DO NOT MAKE ANY REPRESENTATIONS, WARRANTIES OR GUARANTEES, EXPRESS OR IMPLIED, REGARDING ANY QUOTES OR OFFERS PROVIDED ON OR THROUGH OUR SERVICES.
WITHOUT LIMITING THE FOREGOING, YOU ACKNOWLEDGE AND AGREE THAT WE ARE NOT A FINANCIAL INSTITUTION, INSURANCE PROVIDER, CREDIT CARD PROVIDER OR OTHER SERVICE PROVIDER. YOU ACKNOWLEDGE AND AGREE THAT WE ARE SOLELY AN INTERMEDIARY BETWEEN YOU AND SUCH SERVICE PROVIDERS AND, THEREFORE, WE EXPRESSLY DISCLAIM ANY AND ALL LIABILITY FOR ANY CONTENT, PRODUCTS OR SERVICES PROVIDED BY SUCH SERVICE PROVIDERS.
The present Terms of Use are the entire agreement between you and the Company. This agreement expels any other agreements between you and the Company. In case the Company doesn’t manage to enforce the provisions laid down in the Terms of Use, the provisions of the Terms still won’t be waived.
The Company retains the right to change, modify and update the present Terms of Use without notification.
In case the Company doesn’t manage to enforce the provisions laid down in the Terms of Use, the provisions of the Terms still won’t be waived. If the provisions don’t comply with the local legislation, then they are to be severed while the remaining provisions of the Terms of Use will be valid.
The headings in these Terms of Use serve to help you understand the provisions better.
In case you have questions, complaints or requests regarding the website, services, terms, policy of the Company, you should address the Company directly via email. Please note, that the Company isn’t responsible for your communication with third party lenders. If you have any questions about their actions, offers, etc., you are to contact them directly without involving the Company’s employees.
The TCPA disclaimer must be shown at all times with a submit button in a legible font size and color.
TCPA language must contain a link to an updated & valid partner list. Partner list must include entries from: Link for our clients. Leads must not be generated from the following URLs:
This is an example of negative phrasing:
Six Phrase Match negatives.
Search Engine Marketing (SEM) – Google, Bing, Yahoo.
Publisher agrees that it will download and remove the domains located on the FCC’s wireless domain names list (http://www.fcc.gov/cgb/policy/DomainNameDownload.html) from all current data used in emailing for Offers. Affiliate further warrants that any new data that it acquires, regardless of its source, will be compared against the FCC’s wireless domain names list and that domain names contained therein will be removed before sending any emails.
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Last updated : 20th March 2021