Please review and understand these Terms of Use before using Federal Advance or accessing any data on the network. If you do not agree to these terms without limitation or exclusion, please stop and exit this website. If you do not wish to be bound by these Terms of Use, you should not access or use the Site or Services. If there is any inconsistency between these Terms of Use and another agreement you enter into that is applicable to Services offered on the Site then the other agreement will take precedence as it applies to the Service. Federal Advance is a free (always will be), zero obligation financial network to connect prospective borrowers with qualified lenders from our Certified Lender Network (“CLN”). Federal Advance is not a lender or a financial institution and cannot guarantee final approval of the request. This website provides and maintains your information, conditioned on your acceptance, without modification, of the terms, conditions and notices contained in this Terms of Use. By accessing and using the site, you accept and agree, without limitation, to the following:
We reserve the right, in our sole discretion, to modify these Terms of Use at any time. Changes to these Terms of Use will become effective immediately upon the posting thereof. Please review these Terms of Use often to keep yourself apprised of any changes. Your continued use of the Site following the posting of changes will constitute your acceptance of the revised Terms of Use.
You understand and agree that Federal Advance is a free online network and is not a financial institution, lender, creditor for or issuer of the products featured on the Site. Any advertised products or services 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.
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. Federal Advance reserves the right at any time after receipt of your loan request to accept or decline your loan request for any reason and may require additional verifications or information before accepting any loan request. Federal Advance is not responsible for requests that cannot be funded or unsuccessful funding requests arising from requester's ineligibility to qualify for the funding opportunity. As always, loan approvals, amounts, and rates vary based on each individual’s ability to repay the creditor.
This Site is intended for Users who, if natural person, are eighteen (18) years of age or older, and any registration by, use of or access to the Site by any natural person under 18 is unauthorized, unlicensed and in violation of these Terms of Use. To be clear, you must be 18 years or older and be a citizen or permanent resident of the United States to submit a loan request.
By submitting your information to the Site you are providing your express written consent under the Fair Credit Report Act for Federal Advance and selected lenders and affiliates to pull your consumer credit profile or other information from contracted Credit Bureau's associated with your inquiry. Federal Advance may initiate a “soft pull” which will not affect your credit score; but please note, selected lenders and affiliates may initiate a credit inquiry that may impact your credit score.
All the information and content posted on the Site or privately transmitted through the Site or via other means in connection with our Services is the sole responsibility of the person from which that content originated. We will not be responsible for any errors or omission in any information or content posted by a user. We will not share or sell any of your information with any third party, except as specifically described in our Privacy Policy, which is incorporated by reference into these Terms of Use.
You agree to abide by all applicable laws and regulations in your use of the Site and our Services. In addition, you agree that you will not do any of the following:
• register for more than one account, or register for an account on behalf of an individual other than yourself or on behalf of any group or entity;
• post or otherwise make available content, or take any action on the Site, that may constitute libel or slander or that infringes or violates someone else’s rights or is protected by any copyright or trademark, or otherwise violates the law;
• post or otherwise make available content that, in our judgment is objectionable, such as content that is harmful, threatening, inflammatory, obscene, fraudulent, invasive of privacy or publicity rights, hateful, or otherwise objectionable, or which restricts or inhibits any other person from using or enjoying the Site, or which may expose us or our users to any harm or liability of any type;
• post or otherwise make available any unsolicited or unauthorized advertising, solicitations, promotional materials, or any other form of solicitation;
• use the information or content on our Site to send unwanted messages to any other user;
• impersonate any person or entity, or falsely state or otherwise misrepresent yourself, your age or your affiliation with any person or entity;
• post or otherwise make publicly available on the Site any personal or financial information of any third party;
• solicit personal information from anyone under 18 or solicit passwords or personally identifying information for commercial or unlawful purposes;
• use the Site or our Services in any manner that could damage, disable, overburden or impair the Site;
• harvest or collect email addresses or other contact information of our users from the Site by electronic or other means, including via the use of automated scripts; or
• post or otherwise make available any material that contains software viruses or any other computer codes, files or programs designed to interrupt, destroy or limit the functionality of any computer software or hardware or telecommunications equipment.
All software, design, text, information, data, databases, images, photographs, illustrations, audio clips, video clips, artwork, graphic material, or other copyrightable elements (collectively, “Content”), other than User Content, are the property of the Company or its subsidiaries, affiliates, assigns, licensors, vendors, partners or other respective owners and are protected, without limitation, pursuant to copyright laws. No Content (other than your own User Content) may be reproduced, modified, used to create derivative works, displayed, performed, published, distributed, disseminated, broadcast or circulated to any third party without our express prior written consent.
“FederalAdvance” and all related logos (collectively, “the Trademarks”) constitute our trademarks or service marks. Other company, product, and service names and logos used and displayed on this Site may be trademarks or service marks owned by us or others. You may not use, copy, display, distribute, modify or reproduce any of the trademarks found on the Site unless in accordance with written authorization by us. The use of any of the Trademarks as part of a link to or from any site is prohibited unless we provide advance written approval. In addition, all page headers, custom graphics, button icons, and scripts are our service marks, trademarks, and/or trade dress. You may not copy, imitate, or use them without our prior written consent. Any questions concerning any Trademarks, or whether any mark or logo is a Trademark, should be referred to us.
All right, title and interest in and to the Website, any content thereon, our Services, the technology related to our Services, and any and all technology and any content created or derived from any of the foregoing is our or our licensors’ exclusive property.
If you believe that any material on the Site infringes upon any copyright that you own or control, you may send a written notification to us via [email protected] or mail to us at PO BOX 643, Tulsa, OK 74101. In your notification please:
• confirm you are the owner, or authorized to act on behalf of the owner, of the copyrighted work that has been infringed;
• identify the copyrighted work or works you claim have been infringed;
• identify the material that you claim is infringing or is the subject of infringing activity and that is to be removed; please include information reasonably sufficient to permit us to locate the material;
• provide your contact details, including an email address; and
• provide a statement that the information you have provided is accurate and that you have a good-faith belief that use of the material in the manner complained of is not authorized by the copyright owner, its agent or the law.
We are not responsible for the information practices employed by sites linked to or from our web site. In most cases, links to third-party web sites are provided solely as pointers to information on topics that may be useful to our users. Since third-party web sites may have different privacy policies and/or security standards governing their sites, we advise you to review the privacy policies and terms and conditions of these sites prior to providing any personal information.
Our practices and policies with respect to the collection and use of personally identifiable information are governed by our Privacy Policy, which can be found here: Privacy Policy.
We collect information from you when you subscribe to our brand, subscription or request more information from one of our web properties. We may collect information about your computer, including your IP address, operating system and browser type using Google Analytics, this is to improve browsing for everyone and does not identify any individual. You can learn more about how data is collected with Analytics here. When ordering or registering on our site, as appropriate, you may be asked to enter your: name, e-mail address, mailing address or phone number. You may, however, visit our site anonymously. We transfer information about you if Company Name is acquired by or merged with another company. In this event, Company Name will notify you before information about you is transferred and becomes subject to a different privacy policy.
Any of the information we collect from you may be used in one of the following ways: To Process Transactions: Your information, whether public or private, will not be sold, exchanged, transferred, or given to any other company for any reason whatsoever, without your consent, other than for the express purpose of delivering the information, purchased product or service(s) requested. To Send Periodic Emails:The email address you provide may be used to send you information, respond to inquiries, and/or other requests or questions. For Telemarketing and Text Message Purposes:Where you provide “prior express written consent” within the meaning of the Telephone Consumer Protection Act (“TCPA”), you consent to receive telephone calls, including artificial voice calls, pre-recorded messages and/or calls delivered via automated technology and TEXT/SMS messages to the telephone number(s) that you provided from Company Name. You are not required to provide this consent to obtain access, request info or purchase our product. This consent simply allows us to contact you via these means. Message Frequency Varies but should be no more than 4 messages per month. The mobile carriers are not liable for delayed or undelivered Messages. Consumers may opt out of receiving text messages by sending or replying “STOP”, “END”, “CANCEL”, “QUIT”, “OPT OUT”, ”UNSUBSCRIBE” to any TEXT/SMS message they receive. Consumers may also send/reply with “HELP” for additional support. Message and Data Rates May Apply to any Text/SMS communication.
We implement a variety of security measures to maintain the safety of your personal information when you enter, submit, or access your personal information.
We do not sell, trade, or otherwise transfer to outside parties your personal identifiable information. We may release your information when we believe release is appropriate to comply with the law, enforce our site policies, or protect ours or others rights, property, or safety.
This website uses the Google AdWords re-marketing service to advertise on third party websites (including Google) to previous visitors to our site. It could mean that we advertise to previous visitors who haven’t completed a task on our site, for example using the contact form to make an inquiry. This could be in the form of an advertisement on the Google search results page or a site in the Google Display Network. Third-party vendors, including Google, use cookies to serve ads based on someone’s past visits to the Company Name website. Of course, any data collected will be used in accordance with our own privacy policy and Google’s privacy policy.
Because we value your privacy we have taken the necessary precautions to be in compliance with the California Online Privacy Protection Act. We, therefore, will not distribute your personal information to outside parties without your consent.
We are in compliance with the requirements of COPPA (Children’s Online Privacy Protection Act), we do not collect any information from anyone under 13 years of age. Our website, products, and services are all directed to people who are at least 13 years old or older.
Our company may require you to submit certain information so we can help you in your situation. This information may include your contact info, information about your home or business, or even in some cases financial information needed to help us analyze your situation. This information is for our use only and will not be shared with outside parties.
This online privacy policy applies only to information collected through our website and not to information collected offline.
If we decide to change our Privacy Policy, we will post those changes on this page.
The Site and our Services are provided “as is” and without any representation or warranty, whether express, implied or statutory. Any estimates or examples that we provide on the Site may be different than actual amounts. You agree that we may promptly correct any error that we discover, including any error in calculating your loan rates. If the error results in your receipt of an incorrect interest rate, APR or fee, we will notify you and provide you with the correct rate. You agree to provide any additional consent necessary to correct any errors that occur.
ALTHOUGH WE WILL USE REASONABLE EFFORTS TO PROVIDE AN ACCURATE SITE/SERVICES, ALL ASPECTS THEREOF ARE PROVIDED “AS IS”, “WITH ALL FAULTS”, AND “AS AVAILABLE”. WE AND OUR OFFICERS, DIRECTORS, EMPLOYEES AND THIRD PARTY SUPPLIERS (COLLECTIVELY, THE “PARTIES”) DISCLAIM ANY AND ALL REPRESENTATIONS, WARRANTIES OR GUARANTEES OF ANY KIND, WHETHER EXPRESS, IMPLIED OR STATUTORY, TO THE SITE, SERVICES, ANY DOCUMENTATION PROVIDED OR MADE AVAILABLE TO YOU, AND ANY OTHER SERVICES AND RELATED MATERIALS AND/OR SERVICES PROVIDED TO YOU BY ANY OF THE PARTIES, INCLUDING, BUT NOT LIMITED TO, ANY WARRANTIES: (I) AS TO TITLE, MERCHANTABILITY, FITNESS FOR ORDINARY PURPOSES, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, SYSTEM INTEGRATION, AND WORKMANLIKE EFFORT; (II) THE QUALITY, ACCURACY, TIMELINESS OR COMPLETENESS OF THE SITE OR SERVICES OR ANY ASPECT THEREOF; (III) THOSE ARISING THROUGH COURSE OF DEALING, COURSE OF PERFORMANCE OR USAGE OF TRADE; (IV) THE SITE OR SERVICES CONFORMING TO ANY FUNCTION, DEMONSTRATION OR PROMISE BY ANY PARTY; AND (V) THAT ACCESS TO OR USE OF THE SITE AND/OR SERVICE WILL BE UNINTERRUPTED, ERROR-FREE OR COMPLETELY SECURE. ANY RELIANCE UPON THE SITE AND/OR SERVICES IS AT YOUR OWN RISK AND THE PARTIES MAKE NO WARRANTIES. THESE DISCLAIMERS ARE INDEPENDENT OF ANY OTHER TERM IN THESE TERMS OF USE.
You agree that all access and use of the Site and its contents and your use of the Services is at your own risk. Neither we, nor any third party involved in creating, producing or delivering the Site and/or Services, has or will have any responsibility for any consequences relating, directly or indirectly, to any action or inaction that you may take based on the Site and/or Services, or any aspect thereof.
WE WILL NOT BE HELD LIABLE FOR ANY DEFECTS, FAULTS, INTERRUPTIONS OR DELAYS IN THE OPERATION OR TRANSMISSIONOF SERVICES, OR ANY INACCURACIES, ERRORS OR OMISSIONS IN THE INFORMATION CONTAINED IN THE SITE OR SERVICES. UNDER NO CIRCUMSTANCES WILL ANY OF THE PARTIES BE HELD LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, PUNITIVE OR ANY OTHER DAMAGES, INCLUDING, BUT NOT LIMITED TO, LOST PROFITS, ARISING OUT OF, BASED ON, RESULTING FROM, OR IN CONNECTION WITH THE SITE OR SERVICES, THESE TERMS OF USE, OR YOUR USE OR INABILITY TO USE ANY OF THE FOREGOING, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.
ALL OF THESE LIMITATIONS APPLY REGARDLESS OF THE CAUSE OR FORM OF ACTION, WHETHER THE DAMAGES ARE CLAIMED UNDER THE TERMS OF A CONTRACT, TORT OR OTHERWISE, AND EVEN IF WE OR OUR REPRESENTATIVES HAVE BEEN NEGLIGENT OR HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.
You agree to indemnify, defend and hold us harmless from and against any and all third party actions, suits, claims and/or demands and any associated losses, expenses, damages, costs and other liabilities (including reasonable attorneys’ fees), arising out of or relating to your submitted content, use or misuse of any aspect of the Services or Site, or your violation of these Terms of Use. You are required to reasonably cooperate in the defense of any such claim or demand. We and any third party involved in creating, producing or delivering the Site or Services reserves the right, at our sole discretion, to assume the exclusive defense and control of any matter otherwise subject to indemnification by you, at your expense, and you will not in any event settle any such matter without our prior written consent and any such third party.
These Terms of Use shall be governed in all respects by applicable federal law.
Your obligations under these Terms of Use are binding on your successors, legal representatives and permitted assigns. You may not assign or transfer (by operation of law or otherwise) your right to use the Site or Services or any aspect hereunder, in whole or in part, without our prior written consent.
You agree to comply with all applicable laws, statutes, ordinances and regulations regarding your use of the Site and your purchase of products or services through the Site's third party affiliates. Federal Advance may, in its sole discretion, report actual or perceived violations of law to law enforcement or appropriate authorities. If Federal Advance is made aware, through a complaint or otherwise, of any potential or suspected violation of these Terms of Use or of its privacy policy ("Privacy Policy"), Federal Advance may (but is not obligated to) conduct an investigation to determine the nature and extent of the suspected violation and the appropriate enforcement action, during which investigation Federal Advance may suspend services to any customer being investigated and/or remove any material from the servers. You agree to cooperate fully with any such investigation. You acknowledge that violations of the Terms of Use or the Privacy Policy could be subject to criminal or civil penalties.
If any provision of this Terms and Conditions is found to be invalid or unenforceable, the remaining provisions shall be enforced to the fullest extent possible, and the remaining provisions of the Agreement shall remain in full force and effect.
If you have any questions or comments please don't hestiate to contact us at:
Address:
PO BOX 643
Tulsa, OK 74101
E-mail:
[email protected]
Phone:
(800) 359-2140