Agreement between User and Loan Enroll, Inc.(“Loan Enroll”).
Welcome to Loan Enroll, provider of Loan Enroll marketing technology. Loan Enroll, Inc. operates https://Loan Enroll.com, each with various webpages and is offered to you conditioned on your acceptance without modification of the terms, conditions, and notices contained herein (the "Terms"). Your use of https://Loan Enroll.com constitutes your agreement to all such Terms. Please read these terms carefully and keep a copy of them for your reference.
Loan Enroll is a Software-as-a-Service based technology and marketing company. Loan Enroll engages with customers to help them submit consumer loan requests via the Loan Enroll technology. Further, Loan Enroll resells raw lead data and provides call center services a la carte or in bundles, to its customers.
All sales are final. The Loan Enroll platform and CRM services are billed monthly or by use by level of service selected within the customer dashboard and must be canceled in writing prior to any recurring billing taking place. Customer is billed at time of loan approval of the designated percentage based on volume and account level.
Visiting https://Loan Enroll.com or sending emails to Loan Enroll constitutes electronic communications. You consent to receive electronic communications and you agree that all agreements, notices, disclosures and other communications that we provide to you electronically, via email and on the Site, satisfy any legal requirement that such communications be in writing.
If you use this site, you are responsible for maintaining the confidentiality of your account and password and for restricting access to your computer, and you agree to accept responsibility for all activities that occur under your account or password. You may not assign or otherwise transfer your account to any other person or entity. You acknowledge that Loan Enroll is not responsible for third party access to your account that results from theft or misappropriation of your account. Loan Enroll and its associates reserve the right to refuse or cancel service, terminate accounts, or remove or edit content in our sole discretion.
Children Under Thirteen
Loan Enroll does not knowingly collect, either online or offline, personal information from persons under the age of thirteen. Visitors under eighteen (18) years of age are not permitted to use and/or submit their personal information at the Site. Company does not knowingly solicit or collect information from visitors under eighteen (18) years of age. Company encourages parents and guardians to spend time online with their children and to participate and monitor the interactive activities of their children.
No Unlawful or Prohibited Use/Intellectual Property
All content included as part of the Service, such as text, graphics, logos, images, as well as the compilation thereof, and any software used on the Site, is the property of Loan Enroll or its suppliers and protected by copyright and other laws that protect intellectual property and proprietary rights. You agree to observe and abide by all copyright and other proprietary notices, legends or other restrictions contained in any such content and will not make any changes thereto.
You will not modify, publish, transmit, reverse engineer, participate in the transfer or sale, create derivative works, or in any way exploit any of the content, in whole or in part, found on the Site. Loan Enroll content is not for resale. Your use of the Site does not entitle you to make any unauthorized use of any protected content, and in particular you will not delete or alter any proprietary rights or attribution notices in any content. You will use protected content solely for your personal use and will make no other use of the content without the express written permission of Loan Enroll and the copyright owner. You agree that you do not acquire any ownership rights in any protected content. We do not grant you any licenses, express or implied, to the intellectual property of Loan Enroll or our licensors except as expressly authorized by these Terms.
The Service is controlled, operated and administered by Loan Enroll from our offices within the USA. If you access the Service from a location outside the USA, you are responsible for compliance with all local laws. You agree that you will not use the Loan Enroll Content accessed through https://Loan Enroll.com in any country or in any manner prohibited by any applicable laws, restrictions or regulations.
You agree to indemnify, defend and hold harmless Loan Enroll, its officers, directors, employees, agents and third parties, for any losses, costs, liabilities and expenses (including reasonable attorney's fees) relating to or arising out of your use of or inability to use the Site or services, any user postings made by you, your violation of any terms of this Agreement or your violation of any rights of a third party, or your violation of any applicable laws, rules or regulations. Loan Enroll reserves the right, at its own cost, to assume the exclusive defense and control of any matter otherwise subject to indemnification by you, in which event you will fully cooperate with Loan Enroll in asserting any available defenses.
In the event the parties are not able to resolve any dispute between them arising out of or concerning these Terms and Conditions, or any provisions hereof, whether in contract, tort, or otherwise at law or in equity for damages or any other relief, then such dispute shall be resolved only by final and binding arbitration pursuant to the Federal Arbitration Act, conducted by a single neutral arbitrator and administered by the American Arbitration Association, or a similar arbitration service selected by the parties, in a location mutually agreed upon by the parties. The arbitrator's award shall be final, and judgment may be entered upon it in any court having jurisdiction. In the event that any legal or equitable action, proceeding or arbitration arises out of or concerns these Terms and Conditions, the prevailing party shall be entitled to recover its costs and reasonable attorney's fees. The parties agree to arbitrate all disputes and claims in regard to these Terms and Conditions or any disputes arising as a result of these Terms and Conditions, whether directly or indirectly, including Tort claims that are a result of these Terms and Conditions. The parties agree that the Federal Arbitration Act governs the interpretation and enforcement of this provision. The entire dispute, including the scope and enforceability of this arbitration provision shall be determined by the Arbitrator. This arbitration provision shall survive the termination of these Terms and Conditions.
Class Action Waiver
Any arbitration under these Terms and Conditions will take place on an individual basis; class arbitrations and class/representative/collective actions are not permitted. THE PARTIES AGREE THAT A PARTY MAY BRING CLAIMS AGAINST THE OTHER ONLY IN EACH'S INDIVIDUAL CAPACITY, AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PUTATIVE CLASS, COLLECTIVE AND/ OR REPRESENTATIVE PROCEEDING, SUCH AS IN THE FORM OF A PRIVATE ATTORNEY GENERAL ACTION AGAINST THE OTHER. Further, unless both you and Loan Enroll agree otherwise, the arbitrator may not consolidate more than one person's claims and may not otherwise preside over any form of a representative or class proceeding.
THE INFORMATION, SOFTWARE, PRODUCTS, AND SERVICES INCLUDED IN OR AVAILABLE THROUGH THE SITE MAY INCLUDE INACCURACIES OR TYPOGRAPHICAL ERRORS. CHANGES ARE PERIODICALLY ADDED TO THE INFORMATION HEREIN. Loan Enroll, INC ITS SUPPLIERS MAY MAKE IMPROVEMENTS CHANGES IN THE SITE AT ANY TIME.
Loan Enroll reserves the right, in its sole discretion, to terminate your access to the Site and the related services or any portion thereof at any time, without notice. To the maximum extent permitted by law, this agreement is governed by the laws of the State of California and you hereby consent to the exclusive jurisdiction and venue of courts in California in all disputes arising out of or relating to the use of the Site. Use of the Site is unauthorized in any jurisdiction that does not give effect to all provisions of these Terms, including, without limitation, this section.
You agree that no joint venture, partnership, employment, or agency relationship exists between you and Loan Enroll as a result of this agreement or use of the Site. Loan Enroll's performance of this agreement is subject to existing laws and legal process, and nothing contained in this agreement is in derogation of Loan Enroll's right to comply with governmental, court and law enforcement requests or requirements relating to your use of the Site or information provided to or gathered by Loan Enroll with respect to such use. If any part of this agreement is determined to be invalid or unenforceable pursuant to applicable law including, but not limited to, the warranty disclaimers and liability limitations set forth above, then the invalid or unenforceable provision will be deemed superseded by a valid, enforceable provision that most closely matches the intent of the original provision and the remainder of the agreement shall continue in effect.
Unless otherwise specified herein, this agreement constitutes the entire agreement between the user and Loan Enroll with respect to the Site and it supersedes all prior or contemporaneous communications and proposals, whether electronic, oral or written, between the user and Loan Enroll with respect to the Site. A printed version of this agreement and of any notice given in electronic form shall be admissible in judicial or administrative proceedings based upon or relating to this agreement to the same extent and subject to the same conditions as other business documents and records originally generated and maintained in printed form. It is the express wish to the parties that this agreement and all related documents be written in English.
Changes to Terms
Loan Enroll reserves the right, in its sole discretion, to change the Terms under which https://Loan Enroll.com https://Loan Enroll.com is offered. The most current version of the Terms will supersede all previous versions. Loan Enroll encourages you to periodically review the Terms to stay informed of our updates.
Loan Enroll welcomes your questions or comments regarding the Terms:
Loan Enroll, Inc.
1637 E. Valley pkwy #237
Escondido, CA 92008
Updated as of Decemebr 01, 2018
Collection of your Personal Information
In order to better provide you with products and services offered on our Site, Loan Enroll may collect personally identifiable information, such as your:
First and Last Name
If you purchase Loan Enroll's products and services, we collect billing and credit card information. This information is used to complete the purchase transaction.
We do not collect any personal information about you unless you voluntarily provide it to us. However, you may be required to provide certain personal information to us when you elect to use certain products or services available on the Site. These may include: (a) registering for an account on our Site; (b) entering a sweepstakes or contest sponsored by us or one of our partners; (c) signing up for special offers from selected third parties; (d) sending us an email message; (e) submitting your credit card or other payment information when ordering and purchasing products and services on our Site. To wit, we will use your information for, but not limited to, communicating with you in relation to services and/or products you have requested from us. We also may gather additional personal or non-personal information in the future.
Use of your Personal Information
Loan Enroll collects and uses your personal information to operate its website(s) and deliver the services you have requested.
Loan Enroll may also use your personally identifiable information to inform you of other products or services available from Loan Enroll and its affiliates.
Sharing Information with Third Parties
Loan Enroll does not sell, rent or lease its customer lists to third parties.
Loan Enroll may, from time to time, contact you on behalf of external business partners about a particular offering that may be of interest to you. In those cases, your unique personally identifiable information (e-mail, name, address, telephone number) is transferred to the third party. Loan Enroll may share data with trusted partners to help perform statistical analysis, send you email or postal mail, provide customer support, or arrange for deliveries. All such third parties are prohibited from using your personal information except to provide these services to Loan Enroll, and they are required to maintain the confidentiality of your information.
Loan Enroll may disclose your personal information, without notice, if required to do so by law or in the good faith belief that such action is necessary to: (a) conform to the edicts of the law or comply with legal process served on Loan Enroll or the site; (b) protect and defend the rights or property of Loan Enroll; and/or (c) act under exigent circumstances to protect the personal safety of users of Loan Enroll, or the public.
Tracking User Behavior
Loan Enroll may keep track of the websites and pages our users visit within Loan Enroll, in order to determine what Loan Enroll services are the most popular. This data is used to deliver customized content and advertising within Loan Enroll to customers whose behavior indicates that they are interested in a particular subject area.
Automatically Collected Information
Information about your computer hardware and software may be automatically collected by Loan Enroll. This information can include: your IP address, browser type, domain names, access times and referring website addresses. This information is used for the operation of the service, to maintain quality of the service, and to provide general statistics regarding use of the Loan Enroll website.
The Loan Enroll website may use "cookies" to help you personalize your online experience. A cookie is a text file that is placed on your hard disk by a web page server. Cookies cannot be used to run programs or deliver viruses to your computer. Cookies are uniquely assigned to you, and can only be read by a web server in the domain that issued the cookie to you.
One of the primary purposes of cookies is to provide a convenience feature to save you time. The purpose of a cookie is to tell the Web server that you have returned to a specific page. For example, if you personalize Loan Enroll pages, or register with Loan Enroll site or services, a cookie helps Loan Enroll to recall your specific information on subsequent visits. This simplifies the process of recording your personal information, such as billing addresses, shipping addresses, and so on. When you return to the same Loan Enroll website, the information you previously provided can be retrieved, so you can easily use the Loan Enroll features that you customized.
You have the ability to accept or decline cookies. Most Web browsers automatically accept cookies, but you can usually modify your browser setting to decline cookies if you prefer. If you choose to decline cookies, you may not be able to fully experience the interactive features of the Loan Enroll services or websites you visit.
This website contains links to other sites. Please be aware that we are not responsible for the content or privacy practices of such other sites. We encourage our users to be aware when they leave our site and to read the privacy statements of any other site that collects personally identifiable information.
Security of your Personal Information
Loan Enroll secures your personal information from unauthorized access, use, or disclosure. Loan Enroll uses the following methods for this purpose:
When personal information (such as a credit card number) is transmitted to other websites, it is protected through the use of encryption, such as the Secure Sockets Layer (SSL) protocol.
We strive to take appropriate security measures to protect against unauthorized access to or alteration of your personal information. Unfortunately, no data transmission over the Internet or any wireless network can be guaranteed to be 100% secure. As a result, while we strive to protect your personal information, you acknowledge that: (a) there are security and privacy limitations inherent to the Internet which are beyond our control; and (b) security, integrity, and privacy of any and all information and data exchanged between you and us through this Site cannot be guaranteed.
Children Under Thirteen
Loan Enroll does not knowingly collect personally identifiable information from children under the age of thirteen. If you are under the age of thirteen, you must ask your parent or guardian for permission to use this website.
Opt-Out & Unsubscribe from Third Party Communications
We respect your privacy and give you an opportunity to opt-out of receiving announcements of certain information. Users may opt-out of receiving any or all communications from third-party partners of Loan Enroll by contacting us here:
Web page: _________________
Email: Optout@Loan Enroll.com
From time to time, Loan Enroll may contact you via email for the purpose of providing announcements, promotional offers, alerts, confirmations, surveys, and/or other general communication. In order to improve our Services, we may receive a notification when you open an email from Loan Enroll or click on a link therein.
If you would like to stop receiving marketing or promotional communications via email from Loan Enroll, you may opt out of such communications by Customers may unsubscribe from emails by "replying STOP" or "clicking on the UNSUBSCRIBE button..
External Data Storage Sites
We may store your data on servers provided by third party hosting vendors with whom we have contracted.
Changes to this Statement
Loan Enroll welcomes your questions or comments regarding this Statement of Privacy. If you believe that Loan Enroll has not adhered to this Statement, please contact Loan Enroll at:
1637 E. Valley Pkwy #237
Escondido, California 92027
Effective as of January 01, 2018
Consent to Electronic Communications (E-Consent)
Please read this information carefully and print a copy and/or retain this information for future reference.
By utilizing this website and clicking the “submit” button, you are submitting a request to be connected with one of our third-party advertisers or lenders, collectively “third parties.” In order to attempt to connect you with an entity mentioned above, that may offer you a financial product or service, the third parties need your consent to use and accept electronic signatures, records, and disclosures ("E-Consent"). This policy notifies you of your rights when receiving electronic disclosures, notices, information and other forms of communication. By submitting your information on our website, you acknowledge that you have received and reviewed this E-Consent Policy, and that you consent to conduct transactions using electronic signatures, electronic disclosures, electronic records, and electronic contract documents ("Disclosures").
Option for Paper or Non-Electronic Records.
If you are connected with a Lender, and said Lender determines that you are a potential candidate for a financial product or loan, and said Lender offers you an electronic copy of any pertinent Disclosures related to that loan, you may, at any time, request any Disclosures in paper form by contacting the third party lender directly. Depending on the specific Disclosure request to the Lender, the Lender may be able to provide these Disclosures to you at no or minimal charge. Each third party shall retain all Disclosures as required by any applicable laws to the specific transaction.
Scope of Consent.
This E-Consent Policy applies to all interactions online concerning you, and the third party Lender or Advertiser, and includes those interactions engaged in on any mobile device, including phones, smart-phones, tablets, and any other electronic device that allows the consumer to connect to the Internet. By exercising this E-Consent, the third party may process your information and interact during all online interactions with you electronically. The third party may also send you notices electronically related to its interactions and transactions. Disclosures may be provided online at loanenroll.com or the third party websites, and may be provided by e-mail. See above for guidance on how to request paper copies.
Consenting to Do Business Electronically.
Before you decide to do business electronically with the third party advertiser, you should consider whether 1. You wish to conduct business electronically, and 2. You have the required hardware and software capabilities described below.
Hardware and Software Requirements.
To both access and retain the Disclosures electronically, at a minimum, you will need to use the following computer software and hardware: A PC or MAC compatible computer or other device capable of accessing the Internet, access to an electronic mail (e-mail) account, and an Internet Browser software program that supports at least 256-BIT encryption, including but not limited to, Microsoft® Internet Explorer, Google Chrome® or Mozilla Firefox®. To read some documents, you may need a PDF file reader like Adobe® Acrobat Reader® or Foxit®. You will need a printer or a long-term storage device, such as your computer's disk drive, to retain a copy of the Disclosures for future reference. You may send any questions regarding the specific hardware and software requirements directly to the third party lender or advertiser.
If you are connected with one or more third-party lenders, you are free to withdraw your E-Consent with those third-parties at any time, and at no charge. However, if you withdraw this E-Consent before being connected with the third party Lender, you may be prevented from obtaining an offer from the third party as this consent is required, for this one time transaction, to facilitate the connection and to conduct business. Contact the third-party lender directly if you wish to withdraw this E-Consent. If you decide to withdraw this E-Consent, the legal effectiveness, validity, and enforceability of prior electronic disclosures will not be affected.
Change to Your Contact Information.
You should keep third party advertisers informed of any change in either your electronic address or physical mailing address. Your lender will have specific instructions on how to update your contact information, if necessary. Please note that loanenroll.com cannot update your information for you.
Your Ability to Access Disclosures.
By clicking and submitting your information, you assent to our terms and conditions. You acknowledge that you can access the disclosures in the designated formats described above.
You acknowledge, agree, and authorize that (a) LoanEnroll will obtain consumer and related information about you from one or more consumer reporting agencies for the purposes of identifying the lenders and/or service providers for you, (b) your information may be sent to lenders and/or service providers on your behalf, (c) your information may be used in order to make sure you are who you say you are, and to determine how much debt you currently have in order to determine your debt-to-income ratio, (d) such lenders and/or service providers may obtain consumer reports and related information about you from one or more consumer reporting agencies, such as TransUnion, Experian and Equifax, (e) and your information may be used by lenders and/or service providers to make prequalification and other credit decisions.
List of lenders and/or service providers:
Avant, Best Egg, FreedomPlus, LendingClub, LendingPoint, Liberty Bank, LightStream, Marcus by Goldman Sachs, NetCredit, OneMain, OppLoans, Payoff, Prosper, RISE, SoFi, Upstart