Your Rights and Our Responsibilities
Our goal at Loan.com (the "Site") is to make your home financing and other personal loan experiences as simple, convenient and safe as possible. We also want each and every one of our users to be completely satisfied, so it's important for you to understand what we can and can't do.
Loan.com is a separate operating division of Internet Brands, Inc., a national company headquartered in Southern California ("Internet Brands"). While our website can be accessed from almost anywhere you can find Internet service, we are bound to do business according to California law. Your state or country of residence has laws that may differ from those in California. However, when you use our website, both you and Loan.com agree that the statutes and laws of the State of California govern all matters relating to the use of this Site.
For full legal information, please see the Terms and Conditions below. These Terms and Conditions include our policy for acceptable use of the Site and content posted on the Site, your rights, obligations and restrictions regarding your use of the Site and the Site's Privacy Policy found here.
By using this Site, you acknowledge your understanding and consent to these terms, so please read them carefully. Loan.com reserves the right to revise and update these terms and conditions, so please make sure that you've read the most recent version.
If you do not agree to all of the Terms and Conditions, please do not use the Site and email us at webmaster@loan.com.
Without limiting any other provisions of this Agreement, you may not use this Site for any purpose that is unlawful or prohibited by this Agreement and/or any applicable additional terms. Your access to this Site may be terminated immediately in our sole discretion, with or without notice, if you fail to comply with any provision of this agreement and/or additional terms, or for any other reason, or no reason. You expressly agree not to:
While Loan.com makes every effort to ensure that all of the content on our Site is up-to-date, readily available and clearly explained, we cannot guarantee that the Site will always be up or that its contents will always be accurate. Circumstances beyond our control may occasionally make the Site unavailable; data transmissions may be interrupted; and we may provide links to other sites whose content we cannot monitor or otherwise manage. Read on to learn more about the things we can't control and what our lawyers need us to say about them...
Loan.com presents rate information submitted to us by lenders/brokers who have confirmed to us that their lending practices are consistent with the principles embodied in our Borrower's Bill of Rights. Because these lenders/brokers have acknowledged their acceptance of these principles, we have called these lenders/brokers "Ethical Lenders" on our website.
Loan.com does not endorse any listed lender/broker. Information presented on Loan.com by lender/brokers are advertisements by the lenders/brokers, and Loan.com makes no guarantee, explicit or implied that the posted information is accurate. Any dealings that you may have with a lender/broker listed on our website is governed by terms of the agreement that you enter into with that lender/broker. Loan.com expressly disclaims any liability or responsibility for the success of any transaction you have with that lender. You must make the final determination as to the value and appropriateness of the transaction.
If you submit a request to find a lender or a broker or submit a request for a quote, there is no cost or obligation. For home finance quote requests, Loan.com partners with LoanApp.com to fulfill your request. When you submit a request to Loan.com and we forward that request to LoanApp.com, you become a customer of LoanApp.com. LoanApp.com will assume responsibility to follow-up on your request. Similarly, when you submit a request for a car loan or student loan quote, we forward that request to partners who can fulfill that request, and you become a customer of that partner who assumes responsibility to follow-up on your request. Any transaction facilitated through a partner will be governed by that partner's separate terms of use. Loan.com expressly disclaims any liability or responsibility for the success of your transaction. You must make the final determination as to the value and appropriateness of the transaction.
Links to External Sites: Loan.com may provide links on the Site to other websites on the Internet that are owned and operated by third party vendors and other third parties not under the control of Loan.com. These links are provided for convenience and reference only and are not intended as an endorsement by Loan.com of the organization or individual operating the website or a warranty of any type regarding the website or the information on the website. By using this Site, you acknowledge that neither Loan.com nor Internet Brands is responsible for the availability of, services or products offered by, or the content located on or throughout such external site.
Typographical Errors: While we try to make sure that all rate information posted here is accurate at all times, we cannot be responsible for typographical and other errors that may appear on the Site. Loan.com reserves the right to refuse or cancel requests for products or services containing incorrect pricing.
Site Outages and Browser Incompatibilities: This is an e-commerce site, with security systems and multiple servers in a number of locations. It's our best connection to our customers, and we take pride in its overall reliability. Nonetheless, the Site may sometimes be inaccessible, or it may not function properly with your web browser and operating system. Loan.com cannot be held liable for any perceived or actual damages arising from the operation, content, or use of this Site.
Disclaimer and Limitation of Liability: The Site and the information and materials contained herein are provided "as is." Loan.com makes no representations or warranties of any kind regarding this Site or its operation, contents or information available on this Site. Loan.com expressly disclaims all warranties, express or implied, of any kind, with respect to the Site. IN NO EVENT SHALL LOAN.COM, ITS AFFILIATES, INCLUDING INTERNET BRANDS, OR THEIR SHAREHOLDERS, OFFICERS, DIRECTORS, EMPLOYEES OR AGENTS BE LIABLE FOR DIRECT, INDIRECT, COMPENSATORY, SPECIAL, INCIDENTAL, PUNITIVE OR CONSEQUENTIAL DAMAGES ARISING FROM THE OPERATION, CONTENT OR USE OF THE SITE, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. Some jurisdictions do not allow the disclaimer, exclusion or limitation of incidental or consequential damages, so the foregoing disclaimer, exclusion and limitation may not apply to you, and you may have other legal rights that vary according to jurisdiction. In no event will damages provided by law (if any) apply unless they are required to apply by statute, notwithstanding their exclusion by contract.
LOAN.COM DOES NOT MAKE ANY REPRESENTATIONS, WARRANTIES OR GUARANTEES, EXPRESS OR IMPLIED REGARDING THE ACCURACY, CORRECTNESS OR COMPLETENESS OF THE CONTENT OR THE SERVICES OR PRODUCTS ASSOCIATED WITH WWW.LOAN.COM, NOR THE SAFETY, RELIABILITY, TITLE, TIMELINESS, COMPLETENESS MERCHANTABILITY, CONFORMITY OR FITNESS FOR A PARTICULAR PURPOSE OF THE CONTENT OR THE SERVICES AND PRODUCTS ASSOCIATED WITH WWW.LOAN.COM. IT IS YOUR RESPONSIBILITY TO INDEPENDENTLY EVALUATE THE ACCURACY, CORRECTNESS OR COMPLETENESS OF THE CONTENT AND SERVICES AND PRODUCTS ASSOCIATED WITH WWW.LOAN.COM. LOAN.COM MAKES NO REPRESENTATION, WARRANTY OR GUARANTEE THAT THE CONTENT THAT MAY BE AVAILABLE FOR DOWNLOADING FROM WWW.LOAN.COM IS FREE OF INFECTION FROM ANY VIRUSES, WORMS, TROJAN HORSES, TRAP DOORS, BACKDOORS, EASTER EGGS, TIME BOMBS, CANCELBOTS OR OTHER CODES OR COMPUTER PROGRAMMING ROUTINES THAT CONTAIN CONTAMINATING OR DESTRUCTIVE PROPERTIES THAT ARE INTENDED TO DAMAGE, DETRIMENTALLY INTERFERE WITH, SURREPTITIOUSLY INTERCEPT OR EXPROPRIATE ANY SYSTEM, DATA OR PERSONAL INFORMATION.
The content of the Site (the "Content") is intended only to assist you with financial decisions and is broad in scope and does not consider your personal financial situation. Your personal financial situation is unique and the information and advice may not be appropriate for your situation. Accordingly, before making any final decisions or implementing any financial strategy, Loan.com recommends that you obtain additional information and advice from your accountant and other financial advisers who are fully aware of your individual circumstances.
Applicable Law and Venue: The Site (excluding linked sites) is operated in the state of California. The Site can be accessed from all 50 states and the District of Columbia, as well as from other countries around the world. As each of these places has laws that may differ from those of California, by accessing this Site, both you and Loan.com agree that the statutes and laws of the State of California, without regard to conflicts of laws and principles thereof, will apply to all matters arising from or relating to use of this Site. You and Loan.com also agree and hereby submit to the exclusive personal jurisdiction and venue of the federal district and state courts of California with respect to such matters. Loan.com makes no representation that materials on the Site are appropriate or available for use in other locations, and accessing them from territories where their contents are illegal is prohibited. Those who choose to use or access this Site from other locations do so on their own initiative and are responsible for compliance with local laws.
Copyright: This Site is owned and operated by Loan.com, a division of Internet Brands, Inc. Unless otherwise specified, all materials appearing on this Site, including site design, text, graphics, logos, images, icons, interfaces, and the selection, assembly and arrangements thereof are the sole property of Loan.com, ©2004, 2005 and 2006 Loan.com, ALL RIGHTS RESERVED. Permission is granted to electronically copy and to print hard copy portions of this Site for the sole purpose of placing with a request through Loan.com for products or services described on this Site. Any other use of materials on this Site, including but not limited to, reproduction for purposes other than those noted above, modification, transmission, display, distribution or republication, without prior written permission of Loan.com, is strictly prohibited.
Ownership of Website: The design, text and images of this website are owned or licensed by Loan.com, a division of Internet Brands, and Internet Brands authorizes you to view or download a single copy of the material on the Site solely for your personal, noncommercial use, provided you retain all proprietary notices contained in the content. Elements of the Site are also protected by trade dress and other laws and may not be imitated in whole or in part on other Websites.
Trademarks: Loan.com and all other trademarks and service marks appearing on this Site are registered trademarks, trademarks or service marks of Internet Brands. All custom graphics, icons, logos and other items that appear on this Site, other than the vehicles and their make and model names, are trademarks, service marks or trade dress of Internet Brands. The use of any Loan.com trademark or service mark without express written consent from Internet Brands is strictly prohibited.