Welcome to LeadVaultOnline.com (“LeadVaultOnline,” “we,” “us,” or “our”). We offer our loan referral services (the “Service”) through our website, LeadVaultOnline.com (the “Site”), as well as through our mobile applications and related technologies (collectively, the “Mobile Apps”). These Terms and Conditions of Use (the “Terms”) govern your use of the Service. By accessing, browsing, or using the Site, Mobile Apps, or any part of the Service, you agree to these Terms. If you do not agree with these Terms, you should not use the Service.
PLEASE REVIEW THESE TERMS CAREFULLY, AS THEY CONTAIN IMPORTANT INFORMATION REGARDING YOUR LEGAL RIGHTS, INCLUDING AN AGREEMENT TO ARBITRATE DISPUTES. THE ARBITRATION AGREEMENT REQUIRES THAT YOU SUBMIT CLAIMS TO BINDING ARBITRATION AND NOT IN A COURT OF LAW, AND PROHIBITS CLASS ACTIONS.
Loan Referral Service
LeadVaultOnline.com provides a loan referral service that connects consumers with potential lenders in our network (the “Lender Partners”). To utilize our Service, you must complete an online request form (the “Request Form”) which collects personal details such as your name, address, phone number, email address, social security number, bank account details, and employment information. Please review our Privacy Policy for details on how we handle your information.
Credit Decisions
LeadVaultOnline.com is not a lender and does not make credit decisions or loans. We do not guarantee that any Lender Partner will offer you a loan or that the terms offered will be favorable. We also do not guarantee that the loan terms provided by Lender Partners are the best available.
When you submit a Request Form, we share your information with Lender Partners. By submitting the form, you consent to being contacted by us and the Lender Partners through various means, including email, phone, SMS, and mail.
Lender Partners will review your information to determine if it meets their underwriting criteria. They may perform a credit check, which could be a formal credit inquiry (a “Hard Check”) or an informal one (a “Soft Check”). You agree to allow Lender Partners to conduct these credit checks.
If a Lender Partner accepts your Request Form, you will be redirected to their website. At that point, LeadVaultOnline.com has no further role in the loan process. Your dealings with the lender will be governed by their own policies.
Electronic Disclosures
By submitting your Request Form, you agree to receive electronic notifications, disclosures, and other documents from both LeadVaultOnline.com and our Lender Partners. If connected to a lender, you may be required to sign an electronic loan contract, which is as binding as a paper contract. The lender may also require you to agree to receive all communications electronically, including debt collection attempts.
You may be able to withdraw your consent to electronic disclosures, but this may impact your ability to obtain a loan. Consult the lender for details on this process.
Accuracy of Information
You represent that all information provided through your Request Form is accurate and truthful. Inaccurate or false information may result in denial, suspension, or termination of your access to the Service.
Service Modifications and Access
LeadVaultOnline.com may modify any aspect of the Service, including features and functions, without prior notice. We may deny access to the Service if you engage in activities that we believe violate these Terms or are inappropriate. We are not liable for errors or delays resulting from issues with your Request Form or technical problems beyond our control.
Disclaimers and Limitations
THE SERVICE AND ALL ASSOCIATED INFORMATION, SOFTWARE, PRODUCTS, AND SERVICES ARE PROVIDED “AS IS.” LeadVaultOnline.com DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT.
LeadVaultOnline.com AND ITS LENDER PARTNERS OR ADVERTISERS ARE NOT LIABLE FOR ANY DAMAGES ARISING FROM THE USE OF THE SERVICE OR THE WEBSITE, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.
Indemnification
You agree to indemnify LeadVaultOnline.com and Lender Partners against any liabilities, expenses (including attorney fees), and damages arising from your use of the Service, including claims alleging breaches of these Terms.
Third-Party Links
The Site may contain links to third-party websites operated by Lender Partners or other entities. We do not control these third-party sites and their inclusion does not imply endorsement.
Dispute Resolution by Binding Arbitration
Agreement to Arbitrate: Any disputes or claims between you and LeadVaultOnline.com will be resolved through binding arbitration, not in court, except for small claims court claims. This Arbitration Agreement does not preclude you from seeking relief through federal, state, or local agencies.
No Class Actions: Claims must be brought individually, not as part of a class action. The arbitrator cannot consolidate claims or oversee class or representative actions. Relief will be provided only on an individual basis.
Pre-Arbitration Dispute Resolution: To resolve disputes, first send a written Notice of Dispute to LeadVaultOnline.com. If not resolved within 60 days, arbitration may proceed.
Arbitration Procedures: Arbitration will be conducted according to the American Arbitration Association’s (AAA) rules. For more details, visit AAA’s website. The arbitrator will resolve all issues and can award the same relief as a court.
Arbitration Costs: LeadVaultOnline.com will cover arbitration fees if your claim is $75,000 or less. For higher claims, LeadVaultOnline.com may pay fees if you prove financial difficulty.
Confidentiality: Arbitration proceedings and decisions will be confidential.
Severability: If any part of this Arbitration Agreement is found invalid, it will be replaced with a valid term, and the rest of the agreement will remain in effect.
Future Changes: If LeadVaultOnline.com changes this Arbitration Agreement, you may reject changes within 30 days by notifying us in writing.
Privacy
Review our Privacy Policy for details on how we handle your information. The Privacy Policy is part of these Terms.
Electronic Signatures and Disclosures
By accepting these Terms, you consent to electronic signatures and records, which are as binding as paper documents.
SMS Terms & Conditions
By providing your mobile number, you agree to receive SMS communications from LeadVaultOnline.com and Lender Partners. Message and data rates may apply. LeadVaultOnline.com is not responsible for any charges from your wireless carrier.
Miscellaneous Terms
These Terms constitute the entire agreement between you and LeadVaultOnline.com and will be governed by California law. If any part is unenforceable, it will be replaced with a valid provision, and the rest will remain in effect. Failure to enforce any right will not be deemed a waiver. We may amend these Terms at any time, with changes effective immediately upon posting.
Questions
For any questions regarding these Terms, please contact:
LeadVaultOnline.com
Material disclosure
APR Disclosure: Some states limit the Annual Percentage Rate (APR) that lenders can charge. APRs for cash advance loans range from 200% to 1386%, installment loans range from 6.63% to 485%, and personal loans range from 4.99% to 450%, depending on the lender. Loans from states without APR caps or from banks not governed by state laws may have higher APRs. The APR represents the rate at which interest accrues on a loan based on the amount, cost, term, repayment amounts, and timing. Lenders are required to disclose the APR and other loan terms before you sign an agreement. APR rates can change.
Material Disclosure: LeadsVaultOnline.com is not a lender, loan broker, or agent. We are an advertising referral service connecting users to qualified participating lenders who may offer cash advance loans ($100 to $1,000), installment loans (up to $5,000), and personal loans (up to $35,000). Not all lenders provide these amounts, and acceptance by a lender is not guaranteed. This service is not an offer or solicitation for loan products prohibited by any state law, nor is it an endorsement or charge for any service or product. Compensation received is solely for advertising services. The service and offer are void where prohibited. We do not control or are responsible for any lender’s actions or the full terms of your loan, including APR. Contact your lender directly for information about specific loan terms, rates, charges, renewal, payments, and implications for non-payment. Your registration information may be shared with one or more participating lenders. You are not obligated to use our service, contact a lender, register for credit or loan products, or accept a loan. Cash transfer times and repayment terms vary by lender and may be subject to state and local regulations. Some faxing may be required. For additional information, such as credit and late payment implications, refer to our FAQs. These disclosures are for informational purposes only and are not legal advice. Use of this service is subject to this site’s Terms of Use and Privacy Policy.
Exclusions: Residents of Arkansas, New York, New Hampshire, Vermont, and West Virginia are not eligible for this service. The states serviced by this website may change without notice.
Credit Implications: LeadsVaultOnline.com does not make credit decisions. Participating lenders may perform credit checks with credit bureaus or alternative providers to determine creditworthiness. By submitting your information, you consent to these checks. Loans from lenders in our network are short-term solutions and not a long-term financial strategy. Consider professional financial advice before taking a short-term loan. Late payments may incur fees or collection activities. Non-payment may also result in collection activities. Each lender has its own terms, conditions, and renewal policies. Please review them carefully.
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