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Terms of Use


Welcome to QuoteUnlock.com (referred as, “QuoteUnlock”, "website", "site", "we", "us", or "our"). By accessing or using our web site, you (the "User") signify that you have read, understand and agree to be bound by our Privacy Policy and these terms of use ("Terms of Use”).

In addition to these Terms of Use, you may enter into other agreements with us or others that will govern your use of the Service or related services offered by us or others. If there is any contradiction between these Terms of Use and another agreement you enter into applicable to specific aspects of the Service, the other agreement shall take precedence in relation to the specific aspects of the Service to which it applies. As used herein, "Users" means anyone who accesses and/or uses the Site.

IF YOU DO NOT UNDERSTAND THIS AGREEMENT, OR DO NOT AGREE TO BE BOUND BY IT OR THE PRIVACY POLICY, YOU MUST IMMEDIATELY LEAVE THE WEBSITE AND CEASE USING THE SERVICES.

IMPORTANT DISCLOSURE

QuoteUnlock is an online marketplace that enables Users to compare various financial products from financial institutions such as lenders, brokers, agents, agencies, Vendors, Lead Purchasers (Collectively called “Provider(s)” and referred as “Providers” in this document).

We are NOT A LENDER, BROKER, AGENT and do not make loan or credit decisions, and do not broker loans. We perform marketing and computerized loan matching services and are a lead generator. This Website does not constitute an offer or solicitation to lend. The operator of this Website is not an agent, representative or broker of any lender and does not endorse or charge you for any service or product. Website does not endorse or recommend the products of any particular Lender. We are not an agent of either you or any Lender.

You should rely on your own judgment in deciding which available loan product, insurance product, terms or Provider best suits your needs and financial means. The Provider is solely responsible for its services to you, and you agree that website shall not be liable for any damages or costs of any type arising out of or in any way connected with your use of such services. You understand that Providers may keep your loan request information and any other information provided by website or received by them in the processing of your loan request, whether or not you are qualified for a loan with them or if you make a loan with them. You agree to notify any particular Provider directly if you no longer want to receive communications from them.

WE HAVE NO CONTROL OVER AND DO NOT REPRESENT, WARRANT, OR GUARANTEE THE QUALITY, ACCURACY, RELIABILITY, COMPLETENESS, USEFULNESS, SAFETY OR LEGALITY OF THE REQUESTED OR OFFERED LOANS, LISTED PROVIDERS & SERVICES.THE ABILITY OF LENDERS TO DELIVER LOANS, YOUR ABILITY TO REPAY LOANS, OR THAT YOU OR LENDER WILL ENTER A BORROWER-LENDER RELATIONSHIP.

How it Works

QuoteUnlock is an online marketplace that enables Users to compare various financial products from financial institutions such as lenders, brokers, agents, agencies, Vendors, Lead Purchasers (Collectively called “Provider(s)” and referred as “Providers” in this document).

Once you submit your inquiry form online, we will send you an email with a link to verify your email address which is completely your choice to click or not. By clicking the link in email address you provided, it will open a new link on your browser with a matched(if any) list of Providers. You may be able to select the Provider of your choice whom you think is best suitable for your needs. Once you select the Provider of your choice, we will share your information with one or more participating Providers.

Providers who may receive your inquiry information from us may review your information to determine whether your information meets their qualification criteria. Providers may, among other things, verify your social security number, perform a credit check, and review your information against national databases (such as Teletrack, DataX etc) that tracks consumer transactions with lending institutions and other credit-related data. By submitting the request form(s), you agree to allow Providers to obtain, review, verify, and research your information in such manner and you agree and provide your consent to be contacted by Providers via Phone, email, SMS or communication mode Providers may use to connect.

You understand and agree that, once your information have been shared with Providers, we have no further involvement in the application, loan application or approval process. Your subsequent interactions with the Provider are subject to privacy policy, terms of use, and other policies and/or terms enforced by those Lenders, Vendors or lead purchasers.

Loan Amounts: Not all lenders can provide the same amounts for loans. The maximum amount you may borrow from any lender is determined by the lender based on its own policies, which can vary, and on your credit score. Cash transfer times may vary between lenders and in some circumstances faxing of application or other documents may be required. Completion of this request form in no way guarantees that you will be approved for a loan offer. Every Lender has its own terms and conditions, renewal policy, which may differ from Lender to Lender. You should and will have to review your Lender's terms and renewal policy for further information before signing the loan agreement. Late payments of loans may result in additional fees or collection activities, or both. Non-payment of credit could result in collection activities. Additionally, if you are seeking a particular form of credit/loan for which you do not qualify, you may receive solicitations for a form of credit/loan that you are not seeking. The terms of the credit offered may be inferior to those you were originally seeking. You do not have to accept or respond to these solicitations. ELIGIBILITY

BY USING THE WEBSITE OR SERVICES, YOU REPRESENT AND WARRANT THAT YOU ARE AT LEAST 18 YEARS OLD, A RESIDENT OF THE UNITED STATES, THAT YOU ARE NOT A RESIDENT OF ANY STATE WHERE THE LOAN YOU ARE APPLYING FOR IS ILLEGAL, AND ARE OTHERWISE LEGALLY QUALIFIED TO ENTER INTO AND FORM CONTRACTS UNDER APPLICABLE LAW.

Changes to these Terms of Use

We may make changes to these Terms of Use from time to time. If we do this, we will post the changed Terms of Use on the Site and will indicate at the top of this page. You understand and agree that your continued use of the Service or the Site after we have made any such changes constitutes your acceptance of the new Terms of Use.

IF AT ANY TIME YOU FIND EITHER UNACCEPTABLE, YOU MUST IMMEDIATELY LEAVE THE WEBSITE AND CEASE USING THE SERVICES.

USER INFORMATION

In connection with your use of the Services, you are required to complete an inquiry form. You represent and warrant that all user information you provide on the inquiry form or otherwise in connection with your use of the Website and Services will be current, complete and accurate.

CONSENT TO CONTACT

By using our Service or completing inquiry form through our website, you agree to receive communication or be contacted by emails, calls and SMS messages from us and our Providers, including promotional emails, telemarketing calls, auto-dialed calls and texts and pre-recorded voice messages; you have the option to opt-out at any time. You also consent to receive periodic online and offline marketing communications from us andour Providers.

You represent and warrant that you are the owner and/or primary user of any email address or phone number you provide to us. You agree to indemnify, defend and hold us and our Providers harmless from and against any and all claims, losses, liability, costs, and expenses (including reasonable attorneys’ fees) arising from failure of your contact information, your voluntary provision of a email address or telephone number that is not your own, and/or your violation of any federal, state, or local law, regulation, or ordinance.

You understand that your cellular or mobile telephone provider may charge you fees for calls that we or our Providers make or texts that we or our Providers send to you according to the type of plan you carry, and you agree that we will have no responsibility or liability whatsoever for such fees.

You may opt out of receiving marketing communications at any time by clicking the unsubscribe link and following the opt-out instructions.

LIMITED RIGHT TO USE

The viewing, printing or downloading of any content, video, audio, graphic, form or document from the Site grants you only a revocable, nonexclusive license for use solely by you for personal, noncommercial purposes limited to the use as is reasonably required to view and listen to the content and navigate through the pages and links generally available to the public using a standard Internet browser and standard media player, and not for republication, distribution, assignment, sub-license, sale, preparation of derivative works or other use. No part of any content, graphic, form or document may be reproduced in any form or incorporated into any information retrieval system, electronic or mechanical, other than for your personal, noncommercial use (but not for resale or redistribution).

EDITING, DELETING AND MODIFICATION

Website reserves the right in our sole discretion to change, edit or delete any documents, information or other content appearing on the Site.

NONTRANSFERABLE

Your right to use the Site is not transferable. Any password or right given to you to obtain information or documents from the Site is not transferable.

THIRD-PARTY WEBSITES

The Website may be linked with the websites of third parties ("Third-Party Websites"). We do not have control over the content and performance of Third-Party Websites. WE HAVE NOT REVIEWED, AND CANNOT REVIEW OR CONTROL, ALL OF THE MATERIAL, GOODS OR SERVICES, MADE AVAILABLE ON OR THROUGH THIRD-PARTY WEBSITES. ACCORDINGLY, WE DO NOT REPRESENT, WARRANT OR ENDORSE ANY THIRD-PARTY WEBSITE, OR THE ACCURACY, CURRENCY, CONTENT, FITNESS, LAWFULNESS OR QUALITY OF THE INFORMATION MATERIAL, GOODS OR SERVICES AVAILABLE THROUGH THIRD-PARTY WEBSITES. WE DISCLAIM, AND YOU AGREE TO ASSUME, ALL RESPONSIBILITY AND LIABILITY FOR ANY DAMAGES OR OTHER HARM, WHETHER TO YOU OR TO THIRD PARTIES, RESULTING FROM YOUR USE OF THIRD-PARTY WEBSITES.

DISCLAIMERS; LIMITATION OF LIABILITY

(a) NO WARRANTIES. WE HEREBY DISCLAIM ALL WARRANTIES. THE WEBSITE AND SERVICES ARE PROVIDED "AS IS" AND "AS AVAILABLE." TO THE MAXIMUM EXTENT PERMITTED BY LAW, WE EXPRESSLY DISCLAIMS ANY AND ALL WARRANTIES, EXPRESS OR IMPLIED, REGARDING THE WEBSITE, INCLUDING, BUT NOT LIMITED TO, ANY IMPLIED WARRANTIES OF MERCHANT-ABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE WEBSITE OR THE SERVICES WILL MEET YOUR REQUIREMENTS, THAT THE OPERATION OF THE WEBSITE OR THE SERVICES WILL BE UNINTERRUPTED OR ERROR-FREE.

(b) YOUR RESPONSIBILITY FOR LOSS OR DAMAGE YOU AGREE THAT YOUR USE OF THE WEBSITE AND SERVICES IS AT YOUR SOLE RISK. YOU WILL NOT HOLD US OR OUR LENDERS, LICENCORS AND SUPPLIERS, AS APPLICABLE, RESPONSIBLE FOR ANY LOSS OR DAMAGE THAT RESULTS FROM YOUR ACCESS TO OR USE OF THE WEBSITE, INCLUDING WITHOUT LIMITATION ANY LOSS OR DAMAGE TO ANY OF YOUR COMPUTERS OR DATA. THE INFORMATION AND SERVICES MAY CONTAIN BUGS, ERRORS, PROBLEMS OR OTHER LIMITATIONS.

(c) LIMITATION OF LIABILITY OUR LIABILITY IS LIMITED. TO THE MAXIMUM EXTENT PERMITTED BY LAW, IN NO EVENT SHALL WE BE LIABLE FOR SPECIAL, INCIDENTAL, OR CONSEQUENTIAL DAMAGES, LOST PROFITS, LOST DATA OR CONFIDENTIAL OR OTHER INFORMATION, LOSS OF PRIVACY, COSTS OF PROCUREMENT OF SUBSTITUTE GOODS OR SERVICES, FAILURE TO MEET ANY DUTY INCLUDING WITHOUT LIMITATION OF GOOD FAITH OR OF REASONABLE CARE, NEGLIGENCE, OR OTHERWISE, REGARDLESS OF THE FORESEE-ABILITY OF THOSE DAMAGES OR OF ANY ADVICE OR NOTICE GIVEN TO US ARISING OUT OF OR IN CONNECTION WITH YOUR USE OF THE WEBSITE OR SERVICES. THIS LIMITATION SHALL APPLY REGARDLESS OF WHETHER THE DAMAGES ARISE OUT OF BREACH OF CONTRACT, TORT, OR ANY OTHER LEGAL THEORY OR FORM OF ACTION. ADDITIONALLY, OUR MAXIMUM LIABILITY TO YOU UNDER ALL CIRCUMSTANCES WILL BE $50.00. YOU AGREE THAT THIS LIMITATION OF LIABILITY REPRESENTS A REASONABLE ALLOCATION OF RISK AND IS A FUNDAMENTAL ELEMENT OF THE BASIS OF THE BARGAIN BETWEEN US AND YOU. THE WEBSITE AND SERVICES WOULD NOT BE PROVIDED WITHOUT SUCH LIMITATIONS.

(d) APPLICATION THE ABOVE DISCLAIMERS, WAIVERS AND LIMITATIONS DO NOT IN ANY WAY LIMIT ANY OTHER DISCLAIMER OF WARRANTIES OR ANY OTHER LIMITATION OF LIABILITY IN THIS AGREEMENT OR ANY OTHER AGREEMENT BETWEEN YOU AND US. SOME JURISDICTIONS MAY NOT ALLOW THE EXCLUSION OF CERTAIN IMPLIED WARRANTIES OR THE LIMITATION OF CERTAIN DAMAGES, SO SOME OF THE DISCLAIMERS, WAIVERS AND LIMITATIONS OF LIABILITY CONTAINED HEREIN MAY NOT APPLY TO YOU. UNLESS LIMITED OR MODIFIED BY APPLICABLE LAW, THE FOREGOING DISCLAIMERS, WAIVERS AND LIMITATIONS SHALL APPLY TO THE MAXIMUM EXTENT PERMITTED, EVEN IF ANY REMEDY FAILS ITS ESSENTIAL PURPOSE. NO ADVICE OR INFORMATION, WHETHER ORAL OR WRITTEN, OBTAINED BY YOU THROUGH THE WEBSITE OR OTHERWISE SHALL ALTER ANY OF THE DISCLAIMERS OR LIMITATIONS STATED IN THIS SECTION.

INDEMNIFICATION

Without limiting any indemnification provision of this Agreement, You agree to indemnify, defend and hold Website and its respective directors, officers, shareholders, employees, agents, attorneys, advertisers, and publishers (collectively, "Indemnified Parties") harmless from any liability, loss, claim or expense, including reasonable attorneys' fees, related to your use of the Site or violation of this Agreement. GOVERNING LAW; JURISDICTION AND VENUE The Website, Services, and this Agreement, including without limitation this Agreement's interpretation, shall be governed by and construed in accordance with the laws of the Delaware without regard to its conflict of law principles.

NOTICES

All notices required or permitted to be given under this Agreement must be in writing. We shall give any notice to you by email sent to your most recent email address, if any, provided to us. You agree that any notice received from us electronically satisfies any legal requirement that such notice be in writing. YOU BEAR THE SOLE RESPONSIBILITY OF ENSURING THAT YOUR EMAIL ADDRESS ON FILE WITH US IS ACCURATE AND CURRENT, AND NOTICE TO YOU SHALL BE DEEMED EFFECTIVE UPON THE SENDING BY US OF AN EMAIL TO THAT ADDRESS. You shall give any notice to us by means of email to: legal@quoteunlock.com. Notice to us shall be effective upon receipt

GENERAL

This Agreement constitutes the entire agreement between you and us concerning your use of the Website and Services. This Agreement may only be modified by a written amendment signed by our authorized executive or by the unilateral amendment of this Agreement by us and by the posting by us of such amended version. If any part of this Agreement is held invalid or unenforceable, that part will be construed to reflect the parties' original intent, and the remaining portions will remain in full force and effect. A waiver by either party of any term or condition of this Agreement or any breach thereof, in any one instance, will not waive such term or condition or any subsequent breach thereof. This Agreement and all of your rights and obligations here under will not be assignable or transferable by you without our prior written consent. This Agreement will be binding upon and will inure to the benefit of the parties, their successors and permitted assigns. You and we are independent contractors, and no agency, partnership, joint venture or employee-employer relationship is intended or created by this Agreement. Except as and to the extent set forth herein, there are no third-party beneficiaries to this Agreement. The headings in this Agreement are for the purpose of convenience only and shall not limit, enlarge, or affect any of the covenants, terms, conditions or provisions of this Agreement.