PRODUCTS AND SERVICES
You understand and agree that Americaloanservice.com is not a lender and is not the creditor for or issuer of the products featured on the Site. Any products or services advertised at this site or made available to you after you receive a financial product from an issuer are by and remain the sole responsibility of the respective product vendors and service providers.
LOAN REQUEST ACCEPTANCE POLICY
Your receipt of an electronic or other form of order confirmation does not signify any acceptance of your loan request, nor does it constitute confirmation of any offer to fund. The prospective lenders/service providers from this Site reserve the right at any time after receipt of your loan request to accept or decline your loan request for any reason. The lenders/service providers may require additional verification or information before accepting any loan request. Americaloanservice.com is not responsible for requests that cannot be funded or unsuccessful funding requests arising from an individual's ineligibility to qualify for the funding opportunity.
Requesting a personal loan though Americaloanservice.com will require you to submit your personal information to prospective lenders/service providers. The information you provide is required to prepare a proper loan. Some lenders/service providers may require that you be able to verify your income before they offer you a loan. By submitting your income information to the lenders/service providers on this Site, you promise that it is completely accurate information. While Americaloanservice.com will not require any information directly, you agree that lenders/service providers with whom Americaloanservice.com works may need to verify your stated income by requesting proof of income, such as copies of pay stubs or bank statements. You further agree that such a proof of income may be a necessary step in receiving a personal loan. You are not required to disclose alimony, child support or separate maintenance income to providers on this Site.
By using the Site, you agree to indemnify and hold Americaloanservice.com, its subsidiaries, affiliates, officers, agents and other partners and employees, harmless from any loss, liability, claim or demand, including reasonable attorneys' fees, made by any third party due to or arising out of your use or attempted use of the Site, including providing a link to another site or uploading any content to the Site.
THIRD PARTY CONTENT
The Site may contain links to sites maintained by third-parties. Americaloanservice.com is not responsible for the content or privacy policies of those sites, and the existence of such links should not be considered an endorsement or recommendation of those sites or of any product or service offered on those sites or of any party that is associated with those sites.
Personal Loan Connection Service
Americaloanservice.com’s loan connection service unites consumers with lenders/service providers participating in Americaloanservice.com’s network of personal loan lenders/service providers ("prospective lenders"). To use this connection service, you complete online request forms that will ask specific information from you, including, but not limited to: Your name, address, employment information, telephone number, social security number, banking account information and an email address.
Prospective lenders/service providers who receive your request form information from Americaloanservice.com review your information in real-time to determine whether your information meets the lender's loan qualification criteria. Prospective lenders/service providers may, among other things, verify your social security number, perform a credit check, and review your information against national databases such as Teletrack, DataX or DP Bureau that tracks consumer transactions with lending institutions. By submitting the request forms, you agree to allow prospective lenders/service providers to review, verify, and research your information in such manner.
Americaloanservice.com does not guarantee acceptance into any loan program or specific loan terms of conditions with any prospective lender. Americaloanservice.com does not guarantee that the price, availability, product, fees, rates or any other loan terms offered and made available by prospective lenders/service providers through the loan connection service are the best terms available in the market.
Americaloanservice.com does not endorse or recommend the products of any lender. Americaloanservice.com is not an agent of any prospective lender. Americaloanservice.com is not involved with the lender's use or review of your request form information or in making a determination about whether you meet a lender's loan qualification criteria. The lender is solely responsible for its services to you, and you agree that Americaloanservice.com shall not be liable for any damages or costs of any type arising out of or in any way connected with your use of the loan connection service. You understand that prospective lenders/service providers may keep your request form information, whether or not you are qualified for a loan with them.
Some prospective lenders/service providers WILL perform credit checks with the three major credit reporting bureaus: Experian, TransUnion, and Equifax. The third party lender that you select will inform you if they are performing credit checks with the major credit bureaus.
Some prospective lenders/service providers may NOT perform credit checks with the three major credit reporting bureaus: Experian, TransUnion, and Equifax. However, credit checks or consumer reports through alternative providers may be obtained by some lenders/service providers to complete the loan request process.
For Your Protection:
Each lender is required to provide you, the consumer, with all costs and expressed as an annual percentage rate of interest (APR). This information will also include the name of the lender, the amount they will finance, and the breakdown of amount financed, the financing charges, your payment schedule, and your total number of payments. Your interest rate will vary depending upon which product you select from which lender - Currently this range is usually anywhere from 5.49% up to 1500% APR, but higher rates may apply to your loan. Higher rates apply to short-term loans.
Requesting loan services though Americaloanservice.com will require you to submit information about your personal income to the provider listed on the Site. The information you provide is required to prepare a proper loan. Some lenders/service providers may require that you be able to verify your income before they offer you a loan. By submitting your income information to the lenders/service providers on this Site, you promise that it is completely accurate information. While Americaloanservice.com will not require any information directly, you agree that lenders/service providers with whom Americaloanservice.com works may need to verify your stated income by requesting proof of income, such as copies of pay stubs or bank statements. You further agree that such a proof of income may be a necessary step in receiving a personal loan.
You must be 18 years or older and be a legal resident of the United States to submit a loan request. You agree not to use this Site or any content contained in it for any illegal or inappropriate activities.
COMPLIANCE WITH LAWS
The trademarks, titles, characters, trade names, graphics, designs and other properties, including all text, software, and images appearing on this site are protected intellectual properties owned by Americaloanservice.com or third parties who have authorized use of such properties on the Site. Americaloanservice.com grants you permission to view and make copies of documents, pages, images or other materials or content on this Site for the purposes of obtaining a loan. Americaloanservice.com reserves all other rights in this Site and its contents. You may not distribute, display, transmit or disseminate any such documents, pages, images, materials or content without the prior written consent of Americaloanservice.com. Except as expressly provided on this Site, nothing contained on this Site shall be construed as conferring any right or license under any trademark, copyright or other intellectual property right.
LIMITATION OF LIABILITY AND DISCLAIMER OF WARRANTIES
Americaloanservice.com uses reasonable efforts to ensure that the information on this Site is accurate, but cannot guarantee such accuracy. Americaloanservice.com makes no representations regarding the use or results of any content on the Site as to its accuracy, reliability or any other matter.
NEITHER Americaloanservice.COM NOR ANY OTHER PARTY INVOLVED IN CREATING, PRODUCING OR DELIVERING THIS SITE SHALL BE LIABLE FOR ANY DIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL, INDIRECT OR PUNITIVE DAMAGES ARISING OUT OF YOUR ACCESS TO, OR USE OF, THIS SITE. EVERYTHING ON THIS SITE IS PROVIDED "AS IS" AND WITHOUT WARRANTY OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO, ANY IMPLIED WARRANTY OF MERCHANTABILITY, FITNESS FOR A PURPOSE OR NON-INFRINGEMENT. These exclusions and limitations are applied to the fullest extent permitted by law.
THIRD PARTY CONTENT
The Site contains links to sites maintained by third parties. Americaloanservice.com is not responsible for the content or privacy policies of those sites, and the existence of such links should not be considered an endorsement or recommendation of those sites or of any product or service offered on those sites or of any party that is associated with those sites.
The Terms constitute the entire agreement between you and Americaloanservice.com. These Terms shall be governed by the laws of Mountain View, California without regard to its conflict of law provisions. If any part of these Terms is determined unenforceable pursuant to applicable law, then the invalid and unenforceable provision will be deemed superseded by a valid and enforceable provision that most closely matches the intent of the original provision and the remainder of these Terms shall remain in effect. Any failure by Americaloanservice.com to exercise or enforce any right or provision of these Terms will not be deemed a waiver of such right or provision. Americaloanservice.com may amend these Terms at any time by posting the amended terms on its web site. All amended terms are automatically effective immediately, upon posting.