Terms of Use
These Terms of Use (“Terms”) govern your use of the website located at www.iloanrate.com (the “Website”) and any services provided through the Website (collectively, the “Services”). By accessing or using the Website, you agree to be bound by these Terms and all applicable laws. If you do not agree to these Terms, you should not access or use the Website.
- Acceptance of Terms
By accessing the Website, you agree to comply with and be bound by these Terms. If you do not agree to these Terms, please do not use the Website.
- Changes to Terms
iLoan reserves the right to modify these Terms at any time. We will provide notice of any such changes by posting the updated Terms on the Website. Continued use of the Website after such modifications will constitute your acceptance of the updated Terms.
- Use of the Website
You agree to use the Website only for lawful purposes and in accordance with these Terms. You may not use the Website in any way that could damage, disable, overburden, or impair the Website, or interfere with any other party’s use of the Website.
- Data Privacy
iLoan respects your privacy. By using the Website, you consent to the collection and use of your personal information in accordance with our Privacy Policy, which you can review at [insert Privacy Policy URL]. iLoan complies with applicable privacy laws, including the Gramm-Leach-Bliley Act (GLBA) and, if applicable, the California Consumer Privacy Act (CCPA).
- SMS and Communication Consent
By providing your mobile phone number, you consent to receive SMS communications from iLoan for the purpose of account notifications, updates, marketing, and other communications related to your interactions with iLoan. You may opt out of SMS communications at any time by following the unsubscribe instructions provided in each message. iLoan will process opt-out requests within a reasonable timeframe.
- Third-Party Links
The Website may contain links to third-party websites. iLoan is not responsible for the content, privacy practices, or availability of such third-party sites. Accessing third-party websites is at your own risk, and iLoan disclaims all liability associated with such external sites.
- Account Security
You are responsible for maintaining the confidentiality of your account information, including your username and password, and for all activities that occur under your account. If you suspect any unauthorized access to your account, you must immediately notify iLoan. iLoan is not responsible for any loss or damage resulting from your failure to protect your account.
- Termination of Service
iLoan reserves the right to suspend or terminate your access to the Website at its sole discretion, without notice, for any reason, including but not limited to breach of these Terms, violation of applicable laws, or fraudulent activities.
- Limitations of Liability
The Website is provided “as is” without warranties of any kind, either express or implied, including but not limited to the implied warranties of merchantability and fitness for a particular purpose. iLoan does not guarantee that the Website will be uninterrupted or error-free. iLoan will not be liable for any damages arising out of or related to your use of the Website, including any loss of data, business, or profits, even if iLoan has been advised of the possibility of such damages.
- Indemnification
You agree to indemnify, defend, and hold harmless iLoan, its officers, employees, agents, and affiliates from any and all claims, losses, liabilities, expenses, damages, or costs, including reasonable attorneys’ fees, arising from your use of the Website, violation of these Terms, or infringement of any intellectual property or other rights of a third party.
- Commercial Use Prohibition
You may not use the Website or its content for any commercial purposes, including reselling or advertising, unless expressly authorized by iLoan. Unauthorized use of the Website may result in termination of access and legal action.
- Employment Verification
By submitting employment information through the Website, you consent to iLoan verifying the details provided. This consent remains valid for the duration of your relationship with iLoan and may be revoked by you at any time by notifying us in writing.
- Force Majeure
iLoan will not be liable for any failure or delay in performance under these Terms caused by events beyond its reasonable control, including but not limited to acts of God, natural disasters, war, terrorism, or government regulations.
- Dispute Resolution
Any disputes arising out of or relating to these Terms or your use of the Website shall be resolved through binding arbitration in the State of New York, under the rules of the American Arbitration Association. You agree to submit to the personal jurisdiction of the courts located in New York for any actions arising from or relating to these Terms.
- Governing Law
These Terms are governed by and construed in accordance with the laws of the State of New York, without regard to its conflicts of laws principles.
- Accessibility
iLoan is committed to providing equal access to its Website for all users, including those with disabilities. If you have difficulty accessing any part of the Website, please contact us at [insert contact information], and we will make reasonable efforts to accommodate your needs.
- Updates to the Website
iLoan reserves the right to modify, update, or discontinue the Website or any of its Services at any time, without prior notice.
- User Consent to Updates
If any updates are made to these Terms, iLoan will notify users by posting the revised Terms on the Website. Continued use of the Website after such revisions constitutes your acceptance of the updated Terms.