Terms of Use

Effective date: June 14, 2019

The terms of Use stipulated herein serve as an agreement between RealisticLoans.com (also referred to as the Company) and the user (also referred to as you/your). These Terms of Use are intended to govern the overall use of this site/website.

This website is basically an online market platform that serves as a link between users who are seeking loans and lending companies who specialize in providing various loans.

We advise all users to study the details of the terms of use recorded here prior to using the site. Therefore, your continued usage of this site will imply that you’ve gone through the terms and you fully understand all the terms of use.

Kindly read and understand the entire document before you start using this website in any manner. When you agree to use any section of this website, you confirm that you have attained the age of 18 years and are therefore by law, bound by all the terms recorded here. The service provided by this website is not available for any resident in the states like but not limited to Vermont, Arkansas, West Virginia, and New York as a result of state laws. Nevertheless, the list presented here may be incomplete and might change without notice depending on the applicable regulations in any state.

Do not attempt to utilize this website or the company’s services if you are not in total agreement with the terms here.

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Services

RealisticLoans.com does not act as a broker, financial institution, or lender, and as such, plays no part in making lending decisions or issuing loans. The company doesn’t offer lending services to any user and therefore will in no way enter into a direct financial transaction with any user. Instead, this company is acting as a link meant to match you to a lender from a network of third-party financial service providers (also referred to as lenders). Upon registering on this website, you may be linked to lenders who can give you a loan amount in accordance with the specific regulations regarding capped amounts and terms in your state of residence. Loan application approvals, availing loan product options, and the available amounts depend on the specific lender, and RealisticLoans.com is not a party in making such decisions. In addition, not all financial service providers available in this network can lend you the amount you need as a result of insufficient capability as well as any other reason that this company has no jurisdiction over. As such, this company is not involved in making promises or any offers regarding this issue.

RealisticLoans.com generates its income from the adverts placed by the various lenders. Nevertheless, this doesn’t imply that this company deals in patronizing the financial services provided by the lenders. Over and above, the lending conditions enforced by the various lenders on this network may not be appropriate for all users. In the event where you are not certain about some aspects of the loan products offered to you by the financial providers, always make sure that you have sought professional advice prior to making a final decision. This company does not take any responsibility in the various offers availed by lenders in this network and as such; we do not play any part whatsoever in the decisions made. In addition, this company takes no responsibility with regard to how a lender will use the data you’ve submitted.

If you continue using this site, you are confirming that you don’t hold this company responsible for any form of cost or damage, monetary or in other forms that may occur as a result of transacting with lenders found here. To register for the services on this website, you must be in total agreement to the privacy policy, terms of use, and marketing practices.

For you to access any service offered on this site, you are required to successfully register on the website and submit your employment, and other personal details that are required by the lenders when making a decision on the loan requests. Upon your submission of the required information, this website will forward them to the lenders on our network. Sharing your personal data as well as applicable ways that we can use the information you’ve submitted is always governed by the privacy policy, terms of use, and marketing practices of this website. The moment you register on the website and offer any personal details, you have given your consent to be linked to the loan service providers that are affiliated with this website. Depending on the data that you’ve submitted during the online application, any lender may try to contact you via post, email, telephone, or other applicable communication channels at any time with a goal of helping you get a loan or any other financial assistance that is relevant to your situation. The personal information provided but not including the Social Security Number may be shared by the lenders with other third-party marketers with an aim to offer you products or services that may interest you.

When you submit personal data like date of birth and SS number, you are mandating the lenders to run background checks and credit checks in accordance with the terms of the respective lenders. However, RealisticLoans.com is not involved in the credit checks in question and therefore we take no liability for the underlying outcome of this exercise. Please note that a hard credit check may have an impact on your credit scores.

This company doesn’t in any way provide a guarantee with regard to the availability of the financial products or services offered by the lenders in our network. This website is managed by RealisticLoans.com and as such, we bear no responsibility for any form of information advertised by the lenders. At the same time, we don’t guarantee our users that any loan service or product is suitable to them and that a loan application will be approved or that you will get an amount that you’ve requested. Basically, this company offers a connection service with loan providers forwarding the data that you’ve provided in the online application on the site without prior confirmation of the details and availability of any loan product on offer by the lenders.

If the loan product on offer by the lenders is in line with your current needs, you can finalize the deal by signing the agreement and take the loan. However, the agreement and all its contents are not drafted by this company but it is a creation of the respective lender which implies that it’s your responsibility as a user to study the details of the agreement before giving your consent. RealisticLoans.com is not involved in any manner with the agreements or terms and conditions related to any loan product or service offered by the financial service providers. If you have any queries related to the details of the loan agreements, you are advised to get in touch with the respective loan provider and request further clarification.

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Authorize use

By your usage of the website, you confirm that you will exclusively use it in accordance with the purpose stipulated in the terms of use. As such, any additional and unlawful reproduction or representation of any part of this website is not allowed. Similarly, the use of this website as well as all its content for commercial reasons is not permitted.

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Proprietary rights

The ownership, logo, information, content, or any other thing on display on this website are the sole property of RealisticLoans.com and it’s governed by all the applicable intellectual property regulations in the US. By using this website, you gain no ownership rights to any part of the site. Therefore, any duplication, reproduction, copying, resale, or other forms of exploiting the content, organization, arrangement, and design is deemed unlawful and is strictly prohibited.

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Disclaimer of Warranties

THIS WEBSITE AND ALL THE SERVICES PROVIDED BY REALISTICLOANS.COM ARE PRESENTED ON ‘AS IS’ BASIS AS WELL AS THE STATED AVAILABILITY. AS SUCH, ALL SERVICES ARE ACCESSED OR USED AT THE USERS RISK FOLLOWING THE FULL UNDERSTANDING OF THE UNDERLYING TERMS OF USE. THIS COMPANY NEITHER OFFERS GUARANTEES NOR WARRANTIES REGARDING THE PRODUCTS OR SERVICES AND THEY MAY CHANGE WITHOUT PRIOR NOTICE TO THE USER. IN ADDITION, THIS COMPANY DOESN’T GUARANTEE THAT THE SERVICES FOUND HERE WILL SATISFY YOUR EXPECTATIONS AND NEEDS AT ANY TIME OR THAT THEY WILL NOT EXPERIENCE INTERRUPTIONS, FREE OF ERRORS, OR SECURE. THE TECHNOLOGY AS WELL AS OTHER SOFTWARE BEING USED TO SUPPORT THIS SERVICE MAY BEAR SOME ERRORS THAT MIGHT BE FIXED BY THIS COMPANY WHENEVER FEASIBLE. IN ADDITION, THIS COMPANY DOESN’T OFFER ANY GUARANTEES THAT ANY WEBSITES, SOFTWARE, AND TOOLS BELONGING TO THE THIRD PARTY IS FREE OF ERROR OR ABSOLUTELY SECURE. THEREFORE, THIS COMPANY BEARS NO LIABILITY WHATSOEVER WITH REGARD TO THE RESULTANT PROBLEMS AND ERRORS. BE INFORMED THAT WE HAVEN’T REVIEWED OR MADE VERIFICATIONS TO THE LINKS THAT THIRD-PARTIES PROVIDED ON THE WEBSITE. AS THE USER, IT IS ENTIRELY YOUR RESPONSIBILITY TO USE THE LINKS AND EXPLORE THE PRODUCTS ON OFFER. HOWEVER, WHEN YOU CHOOSE TO VISIT THE LINKED SITES, YOU DO SO AT YOUR OWN RISK AND THIS COMPANY CAN NOT BE HELD ACCOUNTABLE FOR ANY DAMAGE OR LOSSES INCURRED AS A RESULT OF THE DECISION.

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Limitation of liability

THIS COMPANY MUST NOT BE HELD RESPONSIBLE FOR THE CONSEQUENTIAL, DIRECT, AND INDIRECT, INCIDENTAL, AS WELL AS OTHER FORMS OF DAMAGE OR LOSSES THAT YOU, MAY SUFFER AS A CONSEQUENCE OF ACCESSING THE SITE AS WELL AS USING THE SERVICES OF ANY THIRD-PARTY SERVICE PROVIDERS FOUND ON THIS WEBSITE. HOWEVER, THE MAXIMUM AMOUNT OF LIABILITY THAT THIS COMPANY BEARS IN CASE YOU HAVE SUFFERED DAMAGES AND LOSSES ARE STRICTLY LIMITED TO THE TOTAL AMOUNT OF MONEY YOU’VE PAID IN ORDER TO GAIN ACCESS TO THE SITE.

SINCE THERE EXIST SOME JURISDICTIONS THAT DON’T ALLOW OR RECOGNIZE THE ENTIRE EXCLUSION OF SOME SPECIFIED WARRANTIES LIKE INCIDENTAL AND CONSEQUENTIAL DAMAGES, THIS COMPANY WILL MAKE RELEVANT ADJUSTMENTS TO ITS LIABILITY AS PER THE MAXIMUM EXTENTS ALLOWED BY THE APPLICABLE LAWS.

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Marketing Materials

The moment you provide your details on the site, you are permitting this company, the lenders, and other third-party service providers to get in contact with you using various channels like telephone, mail address, and email. If you have no interest in receiving the information and materials, you may have your name removed from the contact lists by using the opt-out option.

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Third-parties and third-party websites

In this site, you may find information related to third-parties as well as some links to their main websites. But this company cannot guarantee the information accuracy with regard to these websites and therefore is not making any endorsements. Be advised that they are solely included for the purposes of information and you choose to pay them a visit at your own risk. As such, you agree that this company bears no liability for any sort of damages or incurred losses arising from your interaction with either the third-party products or websites. Any sort of communication that may take place between you and the third-parties or lenders is your personal responsibility and this company will not take responsibility for the communication or its consequences.

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Electronically delivered information, electronic communication, and notifications

This company, the lenders in its network as well as third-party providers may decide to employ electronic channels for communication. The communication may be for the purposes of requesting for additional information, marketing materials, providing information, notices, and sending the federal laws, state laws as well as other necessary documents related to the services or products on offer from the providers.

Your continued use of this site is equivalent to an agreement to receive the communication either at the moment or in the future. The electronic communication will be effected using the email address you submitted during the signup process or any other address that this company may source from the lenders or third-party service providers. You, therefore, are in agreement that you have the technical capacity to receive as well as store the electronic communication and documents from both the company and other service providers. Nevertheless, you are entitled to receiving the said communication via non-electronic media but you must withdraw your consent of getting electronic communication by sending us an email.

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Disputes

Any form of dispute that may emanate from the usage of this site or the services offered here is subject to the relevant provisions of the applicable laws existing in the state which has authorized the services against which disputes and complaints have risen overshadowing any other form of laws or existing conflicts between the various local laws as well as provisions. In the event that you are faced with such a dispute, it is your duty to submit the complaint formally for arbitration by the corresponding institution or association with the relevant authority to look into cases of that nature but with regard to federal and state rules and regulations apply when you make the complaints.

YOU ARE HEREBY ADVISED THAT ANY KIND OF DISPUTE THAT MAY OCCUR BETWEEN THIS COMPANY AND THE USER CAN ONLY BE SETTLED VIA ARBITRATION. YOUR AGREEMENT TO THIS SPECIFIC TERM IS THEREFORE EQUIVALENT TO FOREGOING YOUR RIGHTS TO EITHER REPRESENT YOURSELF INDIVIDUALLY OR USING ANY LEGAL COUNSEL IN ANY COURT OR BEFORE ANY JUDGE. IN ADDITION, YOU ENTIRELY AGREE THAT YOU HAVE GIVEN UP YOUR RIGHTS TO PARTICIPATE IN CLASS ACTION SUITS OF ANY FORM.

The arbitrator who has been mandated to oversee the dispute resolution between the user and this company can’t award damage compensation that is beyond the maximum compensation neither does he/she have any right to multiply the claimed damages. In addition, the arbitrator is devoid of any right to order any incidental, punitive, or consequential damage compensation as a result of the dispute. By continuing to access and use this website, you give up all your rights with regard to the damages. To any user, the judgment issued is final and binding, but this company is at liberty to file an action in any relevant court with regard to locations or existence of relevant authorities to deal with such cases. In case you do not concur with the arbitration clauses provided here, make sure you send a letter to this company not later than ten days from the date you have given your consent to the terms of service herein. The letter must be addressed to RealisticLoans.com and it should bear your first and last names, address, telephone number, and email address as well as a clear stamen “I hereby reject the arbitration clause of this company as indicated in its terms of use.” Upon your rejection, it is within your responsibility to file the legal case to any court as long as it’s within the place with the relevant authorities competent to preside over such disputes within a span of one year from when the dispute occurred otherwise it will be rendered invalid.

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Export restrictions

None of the products and services offered through this website can be downloaded or exported to these countries or by their residents.

1. Iran
2. Syria

• North Korea

1. Iraq
2. Cuba
3. Sudan

• Libya

This is in addition to any other county not mentioned in this list which the US has imposed sanctions against.

The services and products must not be utilized or exported by individuals who are in the category of the Specially Designated Individuals as declared by the United States Treasury Department or those who appear in the Table of Denial Orders as recorded by the US Commerce Department. When you use this service, you are in agreement that you are not violating any export restrictions as well as agreeing that you are not on any list mentioned above.

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Indemnification

By using and accessing this website, you offer your total agreement with regard to indemnifying this company, subsidiaries, the parent company, all affiliates, its individual members, employees, directors, bankers, agents, all co-partners as completely harmless and as such, are not held liable to any claims that may result from:

1. Your access and usage of this website
2. Your breach whether in part or in full of the terms of use stipulated here

• Any form of disagreement or dispute that may occur between you and any third party

Any member mentioned above has all the right to assert this clause in the event where you raise a dispute.

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Entire agreement

The terms of use as presented herein encompass all the understanding with regard to agreements and provisions between you and this company. Therefore, it is superior to any previous form of communication, notices that you might have received. In addition, if this company fails to enforce any section of the laid out provisions, it doesn’t mean that you’ve received a waiver.

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Changes

This company reserves the ultimate right to make alterations to the existing terms with no obligation to issue a notice beforehand. As such, you agree to abide by the changes when you continue to use the website.

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Severability

In the event where some parts of the provisions recorded in the terms of use fall into conflict with the applicable rules, the provision in question will be effectively severed. However, the remaining provisions in the terms of use will still hold their entire power.

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Contact information

This website, as well as the associated services, is offered by RealisticLoans.com. In case of a query, complaint, or a request related to any of the services offered here, kindly feel free to get in touch with us via email at [email protected].

By using this website, you hereby agree to be bound by these terms of use.