By visiting and using ProblemFreeLoans.com, you agree to accept and comply with the terms and conditions set forth in the website’s Terms of Use and Privacy Policy. ProblemFreeLoans.com owns and operates the website located at ProblemFreeLoans.com and provides the content therein in order to inform its users.

Products and Services

ProblemFreeLoans.com is not a lender or lending partner and thus is not responsible for any loan products advertised or offered on the site, nor any credit decisions made concerning you. Any loan products available are not provided directly by ProblemFreeLoans.com but instead are offered to you by the lender or lending partner.

Esign Consent

By clicking “Get Cash Now” (or any other similar button you use to submit your form), you are consenting that this is your electronic signature. We and any lender or lending partner we share your request with can communicate with you electronically, and any necessary disclosures (including notices of adverse action) can be sent to you electronically. Additionally, you have the capability to access documents electronically, including the ability to view and save PDF files.

SMS Terms and Conditions

By clicking “Submit”, I agree to receive informational, promotional, or marketing-related SMS messages from ProblemFreeLoans.com and its marketing partners. This service is standard-rate and available on most carriers in the U.S., including U.S. Cellular, AT&T, Cellular One, T-Mobile, Sprint, Boost, MetroPCS, Verizon Wireless, Alltel Wireless, and Virgin Mobile. Message and data rates may apply and a text-enabled handset is required. Carriers are not responsible for delayed or undelivered messages. To cancel the subscription, text STOP to the number you receive a message from. For more information, text HELP to the same number. The service will remain active until the customer cancels.

Email Opt-In

By giving ProblemFreeLoans.com your email address, you are consenting to receive emails related to transactions, promotions, lenders, and lender networks from ProblemFreeLoans.com and its promotional partners.

Loan Inquiry Policy

ProblemFreeLoans.com may decline your inquiry for any reason, or require additional information or verification before your form can be accepted. We will connect you with a lender or lending partner for further review based on their policies and procedures. This does not guarantee your loan will be approved; the decision rests with the lender or lending partner. We are not responsible for approving or denying your request. By submitting your information, you accept that if we cannot locate a lender or lending partner to provide you with the loan you requested, we will search our network of lenders or lending partners to see if we can find other loan options that could suit you better.

Credit References

By providing us with your information, you are authorizing lenders or lending partners to check your social security number, driver’s license number, or other form of identification, as well as your creditworthiness with Equifax, Transunion, Experian, and other credit bureaus.

Restrictions

In order to submit a form, you must be 18 years old or above and a legitimate citizen of the United States. Additionally, you agree not to make use of this Site for any activities that are illegal or inappropriate.

Compliance with Laws

By using this Site, you agree to abide by all applicable laws, regulations, ordinances, and statutes related to your use of the Site and your purchase of products or services from any third-party vendors. ProblemFreeLoans.com may, at its discretion, report any actual or suspected violations of the law to the relevant authorities. If there are any potential or suspected violations of the Terms of Use or Privacy Policy, we may {but are not required to} conduct an investigation to evaluate the extent and nature of the violation and determine the necessary corrective action. During the investigation, we may suspend services to any customer under investigation and delete data from our servers to limit further violations. You accept that any violation of the Terms of Use or Privacy Policy may lead to civil or criminal penalties, and you must cooperate fully with any investigation.

Intellectual Property

The intellectual property of ProblemFreeLoans.com, its licensees, or third parties who have granted permission to use such properties on the Site, such as trademarks, titles, characters, trade names, graphics, designs, software, text, and images, are all featured on the Site.

You are allowed to view and copy certain documents, pages, images, materials or content from this website ProblemFreeLoans.com solely for the purpose of applying for a loan. All other rights in the content and site are reserved by us. You are not allowed to distribute, show, transmit or spread any documents, pages, images, materials or content without our prior written approval. Nothing present on this Site should be interpreted as providing any authorization or license to any trademark, copyright or other intellectual property right.

Limitation of Liability and Disclaimer of Warranties

ProblemFreeLoans.com takes reasonable steps to make sure the information on this Site is accurate, although accuracy cannot be guaranteed. There is no guarantee of any outcomes resulting from the use of this Site.

NEITHER ProblemFreeLoans.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 PARTICULAR PURPOSE OR NON-INFRINGEMENT. THESE EXCLUSIONS AND LIMITATIONS ARE APPLIED TO THE FULLEST EXTENT PERMITTED BY LAW.

Third Party Content

ProblemFreeLoans.com has no control over the content or privacy policies of websites operated by third parties, and the presence of links to such websites should not be viewed as an approval or recommendation of the products or services offered by those websites, or of any third parties associated with them.

Privacy

This Site’s Privacy Policy, which is referenced and included herein, is applicable to any data provided through it. The Privacy Policy details your rights and our obligations regarding your personal information. ProblemFreeLoans.com will not use your information in any way that is incompatible with the goals and restrictions stated in the Privacy Policy. ProblemFreeLoans.com reserves the right to make changes to the Privacy Policy at its own discretion, without any prior notice. Such modifications are effective when posted, and your continued use of this Site implies acceptance of these modifications.

Security

ProblemFreeLoans.com employs industry-standard technology to safeguard your personal data. While ProblemFreeLoans.com does its best to secure your private details submitted through this Site, it cannot guarantee that your information will not be intercepted or decrypted by third parties. As long as ProblemFreeLoans.com utilizes commercially acceptable security measures, it will not accept liability for such interception or decryption, apart from possibly required by the law.

Site Use

ProblemFreeLoans.com does not require any payment from you for accessing the website or utilizing our services. ProblemFreeLoans.com is not an intermediary between you, any lender or financial partner, or any supplier or vendor utilized in evaluating loan requests or any other activity on the website. Compensation may be received from lenders and other third parties for providing services.

Binding Arbitration

If any disagreement arises concerning the meaning of any term or condition in these Terms of Use or in regards to any transaction between ProblemFreeLoans.com and any lender or lending partner that resulted from our services, said disputes shall be settled by binding arbitration. The arbitration will occur according to the rules of Clark County, Nevada and the award given by the arbitrator shall be final and binding. The party who is victorious shall have the right to get back their arbitration costs, travel costs, expert witness fees, travelling expenditure of experts, as well as any other costs reasonably incurred to bring or defend an arbitration charge from the other side, unless otherwise disallowed by the law.

Modification

ProblemFreeLoans.com can change the Terms of Use at any time and without telling you. If you keep using the Site after any changes have been made, you are agreeing to the new or amended Terms.

Indemnification

By accessing and using this Site, you accept responsibility for any loss, liability, claim or demand that may result, and agree to indemnify, defend and hold harmless ProblemFreeLoans.com, its subsidiaries, affiliates, officers, agents and other partners and employees, from any issues arising from your use or attempted use of the Site, including paying reasonable fees for any attorneys’ fees.

Violation of the Terms of Use

You acknowledge that ProblemFreeLoans.com has full discretion to terminate your access to the Site and any services it offers, or remove any content you have uploaded, in case it believes that the content is in violation of the Terms of Use, the Privacy Policy, or relevant laws, or could be viewed as disruptive, offensive, or inappropriate.

Class Action Waiver

ANY PROCEEDINGS TO RESOLVE, LITIGATE OR ARBITRATE ANY DISPUTE IN ANY FORUM WILL BE CONDUCTED SOLELY ON AN INDIVIDUAL BASIS. NEITHER YOU NOR ProblemFreeLoans.com WILL SEEK TO HAVE ANY DISPUTE HEARD AS A CLASS ACTION, PRIVATE ATTORNEY GENERAL ACTION, OR IN ANY OTHER PROCEEDING IN WHICH EITHER PARTY ACTS OR PROPOSES TO ACT IN A REPRESENTATIVE CAPACITY. NO ARBITRATION OR PROCEEDING WILL BE COMBINED WITH ANOTHER WITHOUT THE PRIOR WRITTEN CONSENT OF ALL PARTIES TO ALL AFFECTED ARBITRATIONS OR PROCEEDINGS. FURTHERMORE, YOU AGREE THAT YOU WILL NOT SEEK TO HAVE ANY DISPUTE AGAINST ANY LENDER OR LENDING PARTNER TO WHOM YOU ARE REFERRED HEARD AS A CLASS ACTION, PRIVATE ATTORNEY GENERAL ACTION, OR IN ANY OTHER PROCEEDING IN WHICH EITHER PARTY ACTS OR PROPOSES TO ACT IN A REPRESENTATIVE CAPACITY. THIS CLASS ACTION WAIVER MAY BE LIMITED BY APPLICABLE LAW, BUT IS INTENDED TO BE ENFORCED TO THE FULL EXTENT ALLOWED BY LAW.

Miscellaneous

All rights not granted to you are retained by ProblemFreeLoans.com and any references to them. The headings used in these Terms of Use are only for ease of navigation, and will not alter their meaning. ProblemFreeLoans.com’s lack of enforcement of any aspect of these Terms of Use shall not be interpreted as them relinquishing their authority to enforce such provisions in the future. Should any term of these Terms of Use be deemed invalid or unenforceable, that shall not affect the validity of the other provisions of these Terms of Use, which shall remain in full force and effect. This Terms of Use and the Privacy Policy create the entirety of the agreement between the two parties regarding the matters outlined herein and replaces any prior written or verbal agreements related to the subject matter.

Notice and Take Down Procedures

If you think that the material available on or from this Site is in violation of your copyright or other intellectual property, you can reach out to our copyright agent (see below) and give them the following information, so that they can have the material removed/block access to it:

1. Please provide a detailed description of the copyrighted work that you think is being infringed and provide a copy or the URL of a legitimate version of the work.
2. Please provide a description of the material that you think is infringing and tell us where it is. Include the URL or any other information that can help us find it.
3. Your name, address, telephone number and email address.
4. You must sincerely believe that the usage of the materials in question is not authorized by the copyright owner, their representative, or the law.
5. I declare that the information provided in this submission is accurate and I affirm, under penalty of perjury, that I am either the copyright owner or the owner’s authorized agent.
6. The copyright holder or an authorized representative must provide either a physical signature or its electronic equivalent.