.com

Terms of Service Agreement

If your business needs a loan

TERMS OF USE Last modified: September 15th, 2015

WELCOME TO LOANSHEPHERD.COM!


Thank you for choosing LoanShepherd.com (the "Website"). The Website and the Services (as defined below).


By using the Website and Services, you agree to these Terms of Use (the "Terms"). You also consent to the collection and use of certain information about you, as specified in our privacy policy (the "Privacy Policy"). Please read the Terms and Privacy Policy carefully. If you do not understand the Terms or the Privacy Policy, please leave the Website and stop using the Services.


CHANGES TO THE TERMS AND PRIVACY POLICY


We may change the Terms or the Privacy Policy at any time by posting a new version of either on the Website. Please review the Terms and the Privacy Policy regularly. If at any time you find either unacceptable, please leave the Website and stop using the Services.


ELIGIBILITY


By using the Website or Services, you represent and warrant that you are at least 18 years old, a resident of the United States, and are otherwise legally qualified to enter into and form contracts under applicable law. This Agreement is void where prohibited.


LICENSE


We grant you a limited, non-exclusive, revocable, non-transferable license to make personal, non-commercial use of the Website and Services. Upon termination of this Agreement, this license will automatically terminate.


SERVICES


a. We are not a lender and do not make loans or credit decisions in connection with loans. Instead, we refer consumers seeking loans to lenders who may provide loans (the "Services"). We may refer a consumer directly to an officially qualified and registered lender. We do not guarantee that your Application will be approved by a lender. Likewise, we do not guarantee the amount of funds that may be extended to you if a lender approves your application. We will not necessarily match you with the lender that provides the best rates and terms but match you with a lender capable of assisting you.


b. We do not charge you fees for the Services. Instead, we may receive payment from lenders and/or our sponsoring advertising and/or partners for our referral services.


c. We are not a party to any contract made between you and lenders for loans. All rights and obligations under the terms of the contract for a loan are solely between you and the lender. We do not warrant, endorse, guarantee or assume responsibility for any lender, or any product or service offered by a lender. You should use your own judgment in deciding if the loan product, terms or lender best suits your needs and financial means.


d. In order to use the Services, you must complete and submit the lender request form (the "Shepherd Request Form"). A submitted shepherd request form includes your personal information, such as first and last name, address, telephone number, email address, FICO Score, current loans being repaid, residency information. The shepherd request form also includes your business's information that you are requesting a loan for such as name, address, telephone number, fax number, purpose of loan, annual income, amount of time your business has been in operation.  By using the Services, you authorize us to transmit your information to our system that chooses one qualified and registered lender based on your financial needs and entered form data. The system checks our lender database and matches your entered information from your submitted shepherd request form to our registered lenders specifications and consumer criteria to provide a loan. Your information is only shared with one lender and agent, unless our lenders cannot fund your loan, we may refer you to other services. You represent and warrant that all information that you provide on the lender request form or otherwise in connection with your use of the Website and Services will be current, complete and truthful.


CONSENT TO RECEIVE EMAIL & PHONE COMMUNICATIONS


a. By using the Services, you consent to receive administrative emails/phone calls from us. You also consent to receive marketing emails/phone calls from us. You may opt-out of receiving emails marketing our products and services at any time by following the opt-out instructions contained in the emails.


b. By using the Services, you consent to receive administrative and marketing emails/phone calls from the selected lender to whom we have provided your information as part of the Services, whether or not you are qualified for a loan or if you make a loan. You may opt-out of receiving marketing emails/phone calls from these parties by following the opt-out instructions contained in their emails.


The Website and Services are provided on an "as is" and "as available" basis. Use of the Website and Services are at your own risk. To the maximum extent permitted by applicable law, the Website and Services are provided without warranties of any kind, whether express or implied, including, but not limited to, implied warranties of merchant-ability, fitness for a particular purpose, or non-infringement. No advice or information, whether oral or written, obtained by you from us or through the Website or Service will create any warranty not expressly stated herein. Without limiting the foregoing, we and our licencors (and our respective subsidiaries, affiliates, agents, directors, and employees) do not warrant that the Website and Services are accurate, reliable or correct; that the Website and Services will meet your requirements; that the Website and Services will be available at any particular time or location, uninterrupted or secure; that any defects or errors will be corrected; or that the Website and Services are free of viruses or other harmful components.


b. LIMITATIONS OF LIABILITY


i. To the maximum extent permitted by applicable law, in no event will we and our licencors (and our respective subsidiaries, affiliates, agents, directors, and employees) be liable for any direct, indirect, punitive, incidental, special, consequential, or exemplary damages, including without limitation damages for loss of profits, goodwill, use, data, or other intangible losses, that result from the use of, inability to use, or unavailability of the Website or Services.


ii. In no event will we and our licencors (and our respective subsidiaries, affiliates, agents, directors, and employees) be liable to you for any claims, proceedings, liabilities, obligations, damages, losses or costs in any amount.


iii. This limitation of liability section applies whether the alleged liability is based on contract, tort, negligence, strict liability, or any other basis, even if we have been advised of the possibility of such damage.


iiii. In the event a LoanShepherd.com Lender cannot help you get approved for a loan, you agree to let LoanShepherd.com refer your contact information including all information submitted through our "Shepherd Request Form" to another lender/website/company that may be able to assist you.

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