Terms & conditions.

By accessing the ShinyLoans.com website (the “Website”), you agree to be legally bound by these applicable terms and conditions (the “Terms”). Please, read these Terms with attention. In case you do not agree to or do not understand these Terms, please, leave this Website.


Loan Connecting Service


The loan connecting service (the “Service”) we do provide concludes in connecting our clients with prospective lenders existing within our network (the “Lender Partners”). To use our Service, you must apply by completing an online request form (a “Request Form”) whereby some personal information is requested from you. This includes your name, address, telephone number, email address, social security number, bank account information, and employment information. The collection, processing and use of the information provided shall be subject to the Website’s Privacy Policy.


Decisions


The ShinyLoans is not a lender and has no capacity to make any decisions regarding the loans and/or credits. No guarantee is provided by the ShinyLoans that the Lender Partner will make a loan offer to you or that any such offer will constitute specific loan terms and/or conditions.

Once you submit a Request Form, the ShinyLoans.com shares your information with our Lender Partners in accordance with the Privacy policy of the Website. By submitting a Request Form, You also give your consent on that the Shinyloans and the Lender Partners get entitled to contact you by different communication means (including email, telephone, SMS, and direct mail) for the purposes of being able to assist you in processing your Request Form or provide information to you about additional offers at the moment or at some point in the future.

As soon as your Request Form is received, the Lender Partners near-instantly review the information you have provided in order to determine whether your information meets the Lender Partner’s set requirements. Lender Partners may use your Request Form information to perform a credit check. This credit check may be a formal credit inquiry (a “Hard Check”) or an informal inquiry (a “Soft Check”). These credit checks may be performed through TransUnion, Equifax, or Experian (the “Big Three”) or they may be performed through other alternative credit reporting agencies or data aggregators (such as Microbilt, Teletrack, DP Bureau, or DataX) that track consumer transactions with lending institutions. You give your consent to Lender Partners to review and verify your information in such a manner.

If your Request Form properly fulfills the set criteria, your browser will be redirected to the respective lender’s website. You understand and agree that, once you have been redirected to the lender’s website, the ShinyLoans has no further involvement in the loan registration or decision process. You are advised to get acquainted with privacy policy, terms and conditions, and other relevant policies that are effective and in force by that specific lender.


Electronic Disclosure


By Submitting your Request Form you agree to receive notifications, disclosures, and other documents and communications both from the ShinyLoans.com and from our Lender Partners. It shall be noted that the Lender Partner is entitled to require from you to execute an electronic loan contract to proceed further cooperation. This electronic loan contract will be construed as a legal document and will have the same legal force as if it were in paper form. And your electronic signature will be as valid as a physical signature on a paper loan contract.

The lender is also entitled to require you to provide your consent in terms of receiving all notifications regarding your loan in an electronic form. Such electronic communications may include attempts to collect a debt. Please, contact the lender with whom you were connected to learn more about this process.


Accuracy


You represent that the information you provide through your Request Form is accurate and truthful otherwise the ShinyLoans.com is entitled to deny, suspend, or terminate your use of our Service.


Features, Functions, and Access to the Service


The ShinyLoans reserves the right to change and/or update any and all information, features, or functions referring the Service without any prior notice. The ShinyLoans also reserves the right to deny your access to all or part of the Service without any prior notice in case it qualifies (in its sole discretion) your conduct or activities as violation to or otherwise inappropriate towards these Terms, the rights of the ShinyLoans or any other third party.


Disclaimers and Limitations


IN NO EVENT SHALL THE SHINYLOANS BE LIABLE FOR SPECIAL, INCIDENTAL OR CONSEQUENTIAL DAMAGES OF ANY KIND WHATSOEVER, INCLDUDING WITHOUT LIMITATION, DAMAGES ARISING FROM LOSS OF USE, LOSS OF ANY ASSET OR LOSS OF REVENUE OR PROFIT. THE WEBSITE AND THE INFORMATION, SOFTWARE, PRODUCTS, AND SERVICES INCLUDED HEREIN AND/OR OTHERWISE ASSOCIATED WITH IT ARE PROVIDED ON “AS IS” BASIS. THE SHINYLOANS HEREBY EXPRESSLY DISCLAIMS ANY WARRANTY OF ANY KIND, WHETHER EXPRESS OR IMPLIED, AS TO ANY MATTER WHATSOEVER RELATING TO THE WEBSITE AND ANY INFORMATION, PRODUCTS, SERVICES OR SOFTWARE, PROVIDED HEREIN, AND/OR OTHERWISE ASSOCIATED WITH IT, INCLUDING BUT NOT LIMITED TO THE WARRANTIES OF TITLE, MERCHANTABILITY, NON- INFRINGEMENT OR COMPLIANCE FOR A PARTICULAR PURPOSE.

NOTE THAT THE USE OF THIS WEBSITE OR THE SERVICE REMAINS AND SHALL CONTINUE TO REMAIN SOLELY AT YOUR OWN RISK.

THE SHINYLOANS OR THE LENDER PARTNERS OR ADVERTISERS OR ANY OF THEIR OFFICERS, DIRECTORS, AGENTS, SUBSIDIARIES, AFFILIATES, EMPLOYEES, SUCCESSORS, ASSIGNS, CONTENT PROVIDERS, OR SERVICE PROVIDERS WILL NOT BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL, OR PUNITIVE DAMAGES OR OTHER INJURY ARISING OUT OF OR IN ANY WAY ASSOCIATED WITH THE USE OF THIS WEBSITE OR THE SERVICE OR WITH THE DELAY OR INABILITY TO USE THIS WEBSITE, OR FOR ANY INFORMATION, SOFTWARE, PRODUCTS, OR SERVICES OBTAINED THROUGH THE WEBSITE, OR OTHERWISE ARISING OUT OF THE USE OF THE WEBSITE, WHETHER RESULTING IN WHOLE OR IN PART, FROM BREACH OF CONTRACT, TORTUOUS BEHAVIOR, NEGLIGENCE, STRICT LIABILITY, OR OTHERWISE, EVEN IF THE SHINYLOANS OR THE LENDER PARTNERS HAVE BEEN ADVISED OF THE POSSIBILITY OF DAMAGES.

THE SHINYLOANS SHALL NOT BE CONSIDERED AS AN AGENT OF YOU OR ANY PARTICIPATING LENDER. THE SHINYLOANS IS NOT ENGAGED WITHIN THE FRAMeWORK OF THE LENDER’S USE OR REVIEW OF YOUR REQUEST FORM, OR THE INFORMATION PROVIDED, OR IN MAKING A DETERMINATION/DECISION ABOUT WHETHER YOU FULFILL THE SPECIFIC LENDER’S SET REQUIREMENTS AND/OR CRITERIA. THE LENDER IS SOLELY RESPONSIBLE FOR ITS SERVICES TO YOU, AND YOU AGREE THAT THE SHINYLOANS.COM WILL NOT BE LIABLE FOR ANY DAMAGES OR COSTS OF ANY TYPE ARISING OUT OF OR IN ANY WAY CONNECTED WITH YOUR USE OF THE SERVICE. YOU UNDERSTAND THAT LENDER PARTNERS MAY KEEP YOUR REQUEST FORM INFORMATION, WHETHER OR NOT YOU ARE QUALIFIED FOR A LOAN WITH THEM.

IF A PARTICULAR STATE DOES NOT ALLOW THE LIMITATION OF LIABILITY AND DISCLAIMER OF IMPLIED WARRANTIES, THEN THE RESPECTIVE LIABILITY OF THE SHINYLOANS, THE LENDER PARTNERS, AND THEIR OFFICERS, DIRECTORS, AGENTS, SUBSIDIARIES, AFFILIATES, EMPLOYEES, SUCCESSORS, ASSIGNS, CONTENT PROVIDERS AND SERVICE PROVIDERS SHALL BE LIMITED TO THE GREATEST EXTENT PERMITTED BY THE LAW OF THAT EXACT STATE.


Indemnity Clause


Hereby you agree to indemnify the ShinyLoans.com and the Lender Partners from and against any and all liabilities, expenses (including attorney’s fees) and damages arising out of any claims resulting from your use of the Website.


Links to Third Parties


The Website may contain links to other websites operated by Lender Partners or other third parties. Those links shall be construed for your reference only. The ShinyLoans does not operate or othewise control any information, software, products, or services available on and provided by such third party websites.


Dispute Resolution


Any claim arising out of or relating to the use of this Website, to the use of the Service, or to any acts or omission for which you may contend the ShinyLoans.com is liable (a “Dispute”), shall be settled exclusively by binding arbitration in accordance with the commercial arbitration rules of the American Arbitration Association in effect at that time. The arbitration will be conducted in Los Angeles, California and judgment on the arbitration award may be entered into any court of competent jurisdiction. No arbitrator will have the power to award damages in connection with any Dispute in excess of actual compensatory damages and will not multiply actual damages or award consequential, punitive, or exemplary damages, and each party irrevocably waives any claim thereto. The agreement to arbitrate will not be construed as an agreement to the joinder or consolidation of arbitration under this agreement with arbitration of disputes or claims of any non-party, regardless of the nature of the issues of disputes involved.

BY AGREEING TO THESE TERMS, YOU GIVE UP YOUR RIGHT TO DO ATTEMPTS IN TERMS OF SETTLING ANY DISPUTES ARISEN WITH THE SHINYLOANS.COM IN A COURT OF LAW OR BEFORE A JURY. YOU ALSO GIVE UP YOUR RIGHT TO PARTICIPATE IN OR BRING CLASS ACTIONS. BY USING THE SHINYLOANS.COM SERVICE, YOU CONSENT TO ALL THESE RESTRICTIONS.

You do also agree that regardless of any statute or law to the contrary, any claim or cause of action arising out of or related to the use of the services must be filed within one year after such claim or cause of action arose or be forever barred.


SMS Terms & Conditions


As soon as you provide your mobile phone number, you are opting in to communications via SMS from the ShinyLoans and the Lender Partners. These communications may include a follow-up SMS message containing a link to your completed loan Request Form, payment reminders from Lender Partners, and future offers. The ShinyLoans shall not be responsible for any and all fees that your wireless carrier or other third parties may charge you for use of this Service.


Other Terms


These Terms constitute the entire agreement between you and the ShinyLoans.com. These Terms shall be governed by the laws of California without regard to its conflict of law principles.


Severability


If any clause, provision or part of these Terms is becoming unenforceable or invalid pursuant to the applicable legislation, then such a clause, provision or part shall be deemed superseded by a valid and enforceable provision that most closely correlates the true intent of the original clause, provision, or part of these Terms, as well as all the remaining clauses, provisions or parts of these Terms shall remain in full force.


Waiver


Any failure by the ShinyLoans to exercise or enforce any right or provision of these Terms shall not be construed as a waiver of such right or provision.

Additionally, these Terms may be subject to revision and amendment by the ShinyLoans.com at any time by posting the revised and/or amended terms on its website. The amended and/or revised terms are becoming effective and enter into force immediately upon posting by the ShinyLoans.com.