These Terms of Use ("Terms") govern the use of the website Home Advance ("we," or "us"). By accessing and using the website, you accept and agree, without limitation, to the following terms. Following any change to the Terms of Use constitutes your agreement to those changes. If at any time you choose not to accept the Terms of Use that are in effect at such time, you should not access or use the website. It is your responsibility and you are encouraged to thoroughly read and review these Terms of Use each time you use the home-advance.com website and participate in any of the website's services.
By using home-advance.com, you affirm that you are over the age of 18 and that you are able to form a binding, legal contract. home-advance.com is not intended for use by consumers under the age of 18. You agree not to use the website for any purpose that is unlawful or prohibited by these Terms of Use. Our Privacy Policy is incorporated into, subject to, and made part of these Terms of Use. home-advance.com provides an infomediary service that will attempt to connect you with third party lenders, and we do not charge you a fee for the use of our website or services. Our website is free to use. However, the owner of this website has a financial connection to the providers of the goods and services referred to on the website. The owner may receive payment for each qualified sale or payment for each potential customer referral.
home-advance.com may, from time to time, (i) link to other sites that we feel may be useful to you, and (ii) post content to our website that is supplied by third parties, including independent third party lenders (collectively "Third Party Content"). Third Party Content is not under the control of home-advance.com. home-advance.com makes no claim or representation regarding, and accepts no responsibility for, the quality, content, nature or reliability of Third Party Content, any services accessible by hyperlink or referred from our website, links contained in any Third Party Content, or any review, changes, or updates to a third party website or for third party websites that link to our website. Any opinions, advice, statements, services, offers, or other information or content expressed or made available by third parties in Third Party Content are those of the respective authors or distributors and not of home-advance.com. The existence of such third party links should not be considered an endorsement or recommendation of those websites or any products and/or services offered on those websites. It is important to note that once a consumer leaves our website, these Terms of Use do not govern your use of any third party website, including your lenders website, and consumers are encouraged to review the applicable terms of use and privacy policies of any third party websites.
All information, materials, images, photographs, articles, functions, text, and other content provided by or on behalf of home-advance.com on this website (collectively, "website content") are the sole property of home-advance.com. The website and all of its content and the selection and arrangement thereof, are protected under the copyright laws and other intellectual property laws of the United States. home-advance.com reserves all rights, in and to the website and the website content. Unless otherwise noted, the home-advance.com name and all other trademarks, service marks, trade names, logos or other designations of source displayed on the website are the property of home-advance.com, its affiliates, or licensors. You may not distribute, display, or disseminate any such documents, pages, images, materials or content without the prior, express written consent of home-advance.com. Nothing contained on this website shall be construed as conferring any right or license under any trademark, copyright, or other intellectual property right. Any unauthorized use of this website or any of the website content will terminate the permission or license granted herein and may violate applicable copyright and intellectual property law. You will not alter, adapt, or otherwise modify any part of the website or website content.
YOU AGREE TO INDEMNIFY, DEFEND, AND HOLD HARMLESS home-advance.com, ITS AFFILIATES, LICENSORS, AND BUSINESS PARTNERS, INCLUDING WITHOUT LIMITATION, home-advance.com'S SERVICE PROVIDERS, NETWORK OF LENDERS, AND BANKS, AND THEIR RESPECTIVE OFFICERS, DIRECTORS, EMPLOYEES, AGENTS AND REPRESENTATIVES FROM AND AGAINST ALL LOSSES, EXPENSES, DAMAGES AND COSTS, INCLUDING REASONABLE ATTORNEYS' FEES, FOR ANY CLAIMS, CAUSES OF ACTIONS, PROCEDURES OR ALLEGATIONS ARISING OUT OF OR RELATING TO ANY VIOLATION OF THESE TERMS, YOUR USE OF THE WEBSITE, WEBSITE CONTENT OR USER CONTENT (INCLUDING BUT NOT LIMITED TO INFRINGEMENT OF THIRD PARTIES' WORLDWIDE INTELLECTUAL PROPERTY RIGHTS OR NEGLIGENT OR WRONGFUL CONDUCT) BY YOU OR ANY OTHER PERSON ACCESSING THE WEBSITE ON YOUR BEHALF. home-advance.com RESERVES THE RIGHT, AT ITS OWN EXPENSE, TO ASSUME THE EXCLUSIVE DEFENSE AND CONTROL OF ANY MATTER OTHERWISE SUBJECT TO DEFENSE BY YOU.
home-advance.com UTILIZES REASONABLE EFFORTS TO ENSURE THE INFORMATION PRESENTED ON THIS WEBSITE IS ACCURATE, BUT CANNOT GUARANTEE SUCH ACCURACY. THE WEBSITE, THE WEBSITE CONTENT, AND USER CONTENT ARE MADE AVAILABLE "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTY OF ANY KIND, EITHER EXPRESS OR IMPLIED INCLUDING, WITHOUT LIMITATION, IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, ACCURACY, NON-INFRINGEMENT OR ENJOYMENT. WE MAKE NO GUARANTEE THAT THE WEBSITE CONTENT OR USER CONTENT ON THE WEBSITE IS UP-TO-DATE, ACCURATE, OR COMPLETE, AND YOU SHOULD NOT RELY ON THE WEBSITE FOR ANY DECISION OR TO TAKE ANY ACTION. WE HEREBY DISCLAIM ANY WARRANTY THAT THE WEBSITE CONTENT OR USER CONTENT ON THE WEBSITE WILL BE FREE OF INTERRUPTION, FREE OF ERRORS, OR THAT THE WEBSITE IS FREE OF VIRUSES, WORMS, TROJAN HORSES, OR OTHER CODE THAT MANIFEST CONTAMINATING OR DESTRUCTIVE PROPERTIES.
UNDER NO CIRCUMSTANCES SHALL home-advance.com, ITS AFFILIATES, BUSINESS PARTNERS, AND/OR ANY OTHER PARTIES INVOLVED IN DEVELOPING, PRODUCING, OR DELIVERING THIS WEBSITE SHALL BE HELD LIABLE FOR ANY DIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL, INDIRECT, PUNITIVE DAMAGES, OR ATTORNEY'S FEES ARISING OUT OF A CONSUMER'S ACCESS TO, OR USE OF, THIS WEBSITE. YOUR SOLE AND EXCLUSIVE REMEDY AND home-advance.com'S SOLE AND EXCLUSIVE LIABILITY TO YOU FOR ANY REASON SHALL BE FOR YOU TO DISCONTINUE YOUR ACCESS TO OR USE OF THE WEBSITE. THE FOREGOING LIMITATION OF LIABILITY SHALL APPLY TO THE FULLEST EXTENT PERMITTED BY LAW IN THE APPLICABLE JURISDICTION.
You agree to comply with all applicable federal, state, and local laws, regulations and rules that apply to your activities when using the website. home-advance.com reserves the right to terminate any account with respect to this website and to prevent your use of the website if such account is used to engage in illegal activity or to violate these Terms of Use. home-advance.com may, in its sole discretion, report actual or perceived violations of law to law enforcement or appropriate authorities.
Our Privacy Policy is incorporated into, subject to and made part of these Terms. Click here to review our website's Privacy Policy.
Your receipt of an order confirmation does not signify any acceptance of your loan request, nor does it constitute confirmation of any offer to fund. home-advance.com reserves the right at any time to accept or decline your loan request for any reason or no reason at all. home-advance.com may require additional verifications or information before accepting any loan request. Our website is not responsible for requests that cannot be funded or unsuccessful funding requests arising from an applicant's ineligibility to qualify for funding.
home-advance.com reserves the right to modify these Terms of Use from time to time. Your use of the website after such a modification will constitute your acceptance of, and your agreement to, any new or amended terms and conditions. These Terms govern your current visit to the website, not any future visit. As your next visit to the website may be governed by different terms posted at this page and you should review the terms on this page each time that you visit the website.
These Terms of Use operate to the fullest extent permissible by law. If any provision of these Terms is held unlawful, void, or unenforceable, that provision is deemed severable from these Terms and does not affect the validity and enforceability of any remaining provisions. The headings used in these Terms of Use are intended for convenience only, and shall not affect the drafting or interpretation hereof or thereof.
home-advance.com's failure to enforce any provision of these Terms of Use shall not be construed as a waiver of such or any future provision.
These Terms of Use, and the interpretation, performance, and enforcement of your and home-advance.com's rights and duties, shall be construed in accordance with the laws of the State of Nevada, except for any conflict or choice of law principle thereof that would lead to the application of another jurisdiction's laws to the rights and duties of the parties. You and home-advance.com consent to exclusive jurisdiction and venue in the federal and state courts sitting in Clark County, Nevada.
home-advance.com reserves the right, its sole discretion, to restrict, in whole or in part, your use of the website, any website content, and any third party's user content at any time with or without notice for any or no reason.
home-advance.com makes no representations that the website is appropriate or available for use in locations outside of the United States. By offering this website and its content, no distribution or solicitation is made by home-advance.com to any person to use the website or its content in any jurisdiction where the provision of this website is prohibited by law. You affirmatively agree to obey all federal, state, and local laws, regulations, and rules that apply to your activities when you use the website. All rights not expressly granted are reserved to home-advance.com.
If you have any dispute concerning any aspect of these Terms of Website Use, the Website, or any of our services, you agree to submit your dispute for resolution by arbitration before the American Arbitration Association ("AAA") in the county where you live by filing a Demand for Arbitration. The arbitrator will have exclusive authority to resolve any dispute including any claim that all or any part of these Terms of Website Use are unenforceable. Opt-Out of Arbitration/Class Action Waiver. The Terms & Conditions do not constitute a waiver of any of your rights and remedies to pursue a claim individually and not as a class action in binding arbitration as provided above. This provision preventing you from bringing, joining or participating in class action lawsuits is an independent agreement. You may opt-out of these Dispute Resolution Provisions by providing written notice of your decision within thirty (30) days of the date that you first register on the home-advance.com Website. YOU ACKNOWLEDGE AND AGREE THAT, VIA YOUR ACCEPTANCE OF THESE DISPUTE RESOLUTION PROVISIONS, YOU WAIVE ANY RIGHT TO A JURY TRIAL, AS WELL AS YOUR RIGHT TO BRING, JOIN OR PARTICIPATE AS A PLAINTIFF OR A CLASS MEMBER IN A CLASS ACTION SUIT OR MULTI-PARTY ARBITRATION BROUGHT AGAINST US, ANY PERSON RELATED TO US OR A SERVICE PROVIDER USED BY US TO PROVIDE THE SERVICE.
If you have any questions regarding these Terms, you may contact us here.
You are submitting a request to be connected with independent, third party lenders ("Third Party"). In order to offer you services, these independent, third party lenders need your consent to use and accept electronic signatures, records, and disclosures ("E-Consent"). This disclosure notifies you of your rights when receiving electronic disclosures, notices, and information. By clicking on the link consenting to our terms, you acknowledge that you received this E-Consent and that you consent to conduct transactions using electronic signatures, electronic disclosures, electronic records, and electronic contract documents ("Disclosures").
You may request any Disclosures in paper copy by contacting the independent, third party lenders directly. They will provide paper copies at no charge and will likely retain all Disclosures as applicable law requires.
This E-Consent applies to all interactions online concerning you and the independent, third party lenders and includes those interactions engaged in on any mobile device, including, smart-phones and tablets. 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.
Before you decide to do business electronically with a third party lender, you should consider whether you have the required hardware and software capabilities described below.
To access and retain the Disclosures electronically, you may 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 e-mail account, and an Internet Browser software program that supports at least 128-bit encryption, such as Microsoft® Internet Explorer, or Mozilla Firefox®. To read some documents, you may need a PDF file reader like Adobe®. You may 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 hardware and software requirements directly to the third party lender.
Your E-Consent for our infomediary services and for our third party's consideration of your request cannot be withdrawn because it is a one-time transaction. If you are connected with one or more independent, third party lenders, you are free to withdraw your E-Consent with those lenders at any time and at no charge. If you decide to withdraw this E-Consent, the legal effectiveness, validity, and enforceability of prior electronic disclosures will not be affected.
You should keep any independent, third party lenders you may be connected with informed of any change in your electronic address or mailing address. You may update such information by logging into the third party's website or by sending the third party a written update by mail.
BY CLICKING THE LINK, YOU ACKNOWLEDGE YOU HAVE READ THIS INFORMATION ABOUT ELECTRONIC SIGNATURES, RECORDS, DISCLOSURES, AND DOING BUSINESS ELECTRONICALLY AND CONSENT TO THESE TERMS. YOU ACKNOWLEDGE THAT YOU CAN ACCESS THE DISCLOSURES IN THE DESIGNATED FORMATS AS DESCRIBED ABOVE. YOU CONSENT TO USING ELECTRONIC SIGNATURES, HAVING ALL DISCLOSURES PROVIDED OR MADE AVAILABLE TO YOU IN ELECTRONIC FORM AND TO DOING BUSINESS WITH ANY THIRD PARTIES, INCLUDING INDEPENDENT THIRD PARTY LENDERS, ELECTRONICALLY. YOU ACKNOWLEDGE THAT YOU MAY REQUEST A PAPER COPY OF THE ELECTRONIC RECORDS AND DISCLOSURES, WHICH WILL BE PROVIDED TO YOU AT NO CHARGE. IF YOU REFRAIN FROM PROCEEDING THEN YOU NEITHER WISH TO USE ELECTRONIC SIGNATURES NOR CONDUCT THIS TRANSACTION ELECTRONICALLY. YOU ALSO ACKNOWLEDGE THAT YOUR CONSENT TO ELECTRONIC DISCLOSURES IS REQUIRED TO RECEIVE SERVICES FROM THIRD PARTY LENDERS OVER THE INTERNET.
You understand and agree that by participating in the services offered by us, you are providing written instruction under the Fair Credit Reporting Act authorizing us and the financial service providers with whom your request may be shared to obtain your consumer credit report, credit score, and/or other information from any consumer reporting agency in order to determine your eligibility to receive services. You understand that for any inquiries conducted by us, a soft credit inquiry will be used to obtain the aforementioned information and will not have any impact on your credit score. Additionally, you understand and agree that Providers may use third party services to obtain information relating to you and to verify any information that you provide including, without limitation your social security number, address, phone number, bank account information and employment history. You also understand that by participating in a debt resolution program, creditors will continue to apply late fees, penalties, and interest on the debts that you have enrolled in a relief program. You understand that participation in a debt relief program may adversely impact your credit score but that the initial soft inquiry conducted by us will only be used to determine your eligibility.