LOANBYZIPCODE WEBSITE TERMS OF USE
Last Updated: July 12, 2024
1. Definitions
- LOANBYZIPCODE: A corporation organized under the laws of [STATE], with its principal place of business at 1309 Coffeen Avenue STE 1200 Sheridan, WY 82801.
- User/You/Your: Refers to you as the individual user and any person or entity using the website under your account.
- Website: Refers to the website located at www.loansbyzipcode.com operated by LOANBYZIPCODE.
- Content: All content available on the Website, including text, software, scripts, graphics, photos, sounds, music, videos, interactive features, and other materials provided by LOANBYZIPCODE.
- User Content: Any content, feedback, data, text, messages, images, video, sounds, code, software, or other materials that you upload, post, host, transmit, store, or otherwise make available through the Website.
- Company/We/Our/Us: Refers to LOANBYZIPCODE.
2. Use of the Website
LOANBYZIPCODE operates the Website which allows users to [BRIEF DESCRIPTION OF WEBSITE PURPOSE AND FUNCTIONALITY]. By accessing or using the Website, you agree to be bound by these Terms and all applicable laws. If you disagree with any part of the Terms, you do not have permission to access the Website. Your use of the Website indicates your agreement to be bound by these Terms, which apply to all visitors, users, and others who access the Website.
LOANBYZIPCODE reserves the right to update or modify these Terms at any time. Your continued use of the Website following any updates or modifications to the Terms constitutes your acceptance of such changes. You should regularly review the Terms available on the Website. The Website is not directed at individuals under [APPLICABLE AGE OF MAJORITY], and LOANBYZIPCODE does not knowingly collect personal information from individuals under [APPLICABLE AGE OF MAJORITY].
3. Affiliate/Partner Relationships
3.1 Disclosure
We may receive compensation from our affiliates/partners for marketing their products. This compensation may influence the products we review or promote.
3.2 No Endorsement
The inclusion of links to third-party websites does not imply our endorsement of such websites or the products/services offered. We are not responsible for the content or practices of any third-party websites.
3.3 Partnering Disclosure
If you are interested in starting your own business or have a network that can benefit from our services, we may partner with you. Any partnership will be subject to the terms outlined in this agreement and in compliance with applicable laws, including the Real Estate Settlement Procedures Act (RESPA). Unlike RESPA, which prohibits certain practices in the real estate industry to prevent kickbacks and unearned fees, our partnerships are structured to comply with all applicable laws and regulations, ensuring transparency and legality.
4. Financial Products
4.1 No Financial Advice
The information provided on our website is for informational purposes only and does not constitute financial, investment, or tax advice. Consult a financial advisor before making any financial decisions.
4.2 Product Availability
We do not guarantee the availability of any loan, mortgage, or credit product described on our website. Product availability is subject to change at any time without notice.
4.3 Compliance with Laws
All financial products offered on or through the Website must comply with applicable federal and state laws, including securities laws, banking regulations, and consumer protection statutes.
4.4 Limitation of Liability
In no event shall LOANBYZIPCODE be liable for any damages resulting from or related to the use of financial products or services offered on or through the Website.
5. User Responsibilities
5.1 Account Security
You are responsible for maintaining the confidentiality of your account password and for all activities that occur under your account. You agree to notify LOANBYZIPCODE immediately of any unauthorized use of your account or any other breach of security and ensure that you exit from your account at the end of each session. LOANBYZIPCODE will not be liable for any loss or damage arising from your failure to comply with this provision.
5.2 User Content
You retain ownership of all intellectual property rights in any content that you upload or otherwise provide through the Website. However, by providing content to LOANBYZIPCODE through the Website, you grant LOANBYZIPCODE a non-exclusive, royalty-free, worldwide, perpetual license to use, host, store, modify, create derivative works of, communicate, publish, publicly perform, publicly display, and distribute such content. You represent and warrant that you have all necessary rights and permissions to grant this license and that such use of the work by LOANBYZIPCODE and the Website’s visitors will not infringe or violate the rights of any third party.
You understand that submissions are non-confidential as between you and LOANBYZIPCODE. LOANBYZIPCODE will own the copyright in any submission. You grant LOANBYZIPCODE license to use the submission or any ideas, concepts, know-how, or techniques contained in any communication you send to LOANBYZIPCODE for any purpose.
You remain solely responsible for your user content. You agree that you will not submit any user content which is defamatory, harassing, threatening, bigoted, hateful, vulgar, obscene, pornographic, or otherwise offensive or illegal.
5.3 Prohibited Activities
You agree not to use the Website or any Content for any of the following commercial or illegal purposes:
- Engaging in fraudulent activities
- Transmitting viruses or other harmful code
- Collecting personally identifiable information of other users
- Engaging in any activity that interferes with or disrupts the Website
6. Limitation of Liability
6.1 No Warranty
The Website and its content are provided on an “as is” and “as available” basis without warranties of any kind, either express or implied. To the fullest extent permitted by law, LOANBYZIPCODE expressly disclaims any warranties of merchantability, fitness for a particular purpose, quiet enjoyment, or non-infringement. LOANBYZIPCODE does not warrant that the Website or its content will meet your requirements; be uninterrupted, timely, secure, or error-free; or that defects will be corrected.
6.2 Limitation of Liability
To the maximum extent permitted by law, in no event shall LOANBYZIPCODE be liable for any indirect, punitive, incidental, special, consequential, or exemplary damages, including damages for loss of profits, goodwill, use, data, or other intangible losses, arising out of or relating to the use of, or inability to use, the Website. Under no circumstances will LOANBYZIPCODE be responsible for any damage, loss, or injury resulting from hacking, tampering, or other unauthorized access or use of the Website or your account or the information contained therein. To the maximum extent permitted by law, LOANBYZIPCODE’s total liability arising out of or in connection with the Website or these Terms shall not exceed the greater of one hundred dollars ($100) or the total amounts paid by you to LOANBYZIPCODE in connection with the Website in the twelve (12) months prior to the events giving rise to the claim. The limitations set forth in this Section apply to any type of damage, whether based in contract, tort (including negligence), warranty, or any other legal theory, even if LOANBYZIPCODE has been advised of the possibility of such damages. Some jurisdictions do not allow the limitation or exclusion of liability for incidental or consequential damages, so the above limitation or exclusion may not apply to you.
7. Indemnification
7.1 Duty to Defend
You agree to defend, indemnify, and hold LOANBYZIPCODE, its affiliates, and each of its and its affiliates’ respective officers, directors, agents, co-branders, licensors, employees, information providers, service providers, subcontractors, advisors, and other partners (collectively, the “Indemnified Parties”) harmless from any and all claims, demands, causes of action, debts, or liabilities, including reasonable attorneys’ fees (collectively, “Claims”), that arise from your use of the Website, violation of the Terms, violation of any law or the rights of a third party, and/or use of any User Content you provide.
7.2 Duty to Indemnify
You agree to indemnify the Indemnified Parties from any and all third-party Claims, losses, liability, damages, and/or costs (including reasonable attorneys’ fees and costs) that arise from your use of the Website, violation of the Terms, violation of applicable laws, regulations, or third-party rights, or provision of your User Content.
7.3 Claims Covered
The indemnification obligations above apply regardless of whether the applicable Claim arises under breach of contract, tort (including negligence), strict liability, or any other legal theory.
7.4 Notice of Claim
You agree to promptly notify LOANBYZIPCODE of any third-party Claims and cooperate with the Indemnified Parties in defending such Claims. The Indemnified Parties reserve the right to assume the exclusive defense and control of any third-party Claim.
7.5 Survival
Your indemnification obligations survive any termination of your use of the Website or the Terms.
8. Changes to the Terms
8.1 Right to Modify
LOANBYZIPCODE reserves the right to update or modify these Terms at any time, at its sole discretion.
8.2 Notice of Changes
LOANBYZIPCODE will provide notice to Users of any material changes to these Terms via a notice on the Website homepage and/or by email to the primary email address listed in the User’s account.
8.3 Notification Period
Such notice will be provided no less than [NUMBER] days before the effective date of any changes.
8.4 Effective Date
Updated Terms are effective immediately upon being published on the Website, unless otherwise specified.
8.5 Continued Use Constitutes Acceptance
A User’s continued use of the Website following any updates or modifications to these Terms constitutes the User’s acceptance of such changes.
8.6 Prior Versions
LOANBYZIPCODE is under no obligation to maintain or support earlier versions of these Terms.
8.7 Visit Frequently
It is the User’s responsibility to check these Terms periodically for changes. Continued use of the Website following the posting of any changes constitutes acceptance.
8.8 Termination of Agreement
If a User does not agree to any modification of these Terms, the User must immediately stop using this Website.
9. Governing Law
9.1 Governing Law
These Terms shall be governed by and construed in accordance with the laws of the state of [APPLICABLE STATE], United States, without regard to its conflict of law provisions.
9.2 Jurisdiction
You agree that any action at law or in equity arising out of or relating to these Terms shall be filed only in the state or federal courts located in [APPLICABLE STATE] and you hereby irrevocably and unconditionally consent and submit to the exclusive jurisdiction of such courts over any suit, action, or proceeding arising out of these Terms.
9.3 Severability
If any provision of these Terms is held to be invalid or unenforceable, such provision shall be struck and the remaining provisions shall be enforced to the fullest extent under the law.
IN WITNESS WHEREOF, the parties have executed this Agreement as of the July 12, 2024.
LOANBYZIPCODE
