Terms and Conditions of Use

The proposed Terms and Conditions of Use reveal the conditions of the formal agreement between FCLOANS (Company, we, us, our, ours) and a User (You, Your, Yours, User, Users) of the Website (Website, Site) that is accessing to the Website to receive the services provided by the Company. The Terms and Conditions of Use detail the rules for using the Website when requesting the services provided by the Company and regulate the relationship between Users and the Website.

The Company provides search and match services for Users wishing to obtain a loan. We are not a lender and are not authorized to represent any particular financial institution or financial entity and, therefore, do not offer our own financial products. Instead, we enter into contracts with third-party financial institutions or lenders that offer Users their loan products. Also, we cannot influence their decisions regarding the provision of a loan to You, much less make this decision on our own. Our role is to connect Users seeking credit with a network of lenders who are willing to provide it. For You to gain access to the network of third-party lenders and financial institutions with which we have a contract, You must fill out the online form that is offered when registering on the Website.

Our further relationship with You assumes that You have read and accepted the provisions set forth in all official documents governing the use of the Website to receive the services provided by the Company, such as the Privacy Policy, Terms and Conditions of Use, etc. Therefore, we strongly recommend that You familiarize Yourself with their contents to avoid any misunderstanding.

If You do not accept any of the provisions of the Terms and Conditions of Use or the Privacy Policy, You should leave the Website and not use our services, since the Company’s relationship with the Users of the Website is built on their basis and is regulated in accordance with the rules set forth in these documents.

Since the Website provides its services only to US residents who are at least 18 years old at the time of registration on the Site, Your continued use of the Website is a direct confirmation that You are of legal age and legally reside in the United States. Although the Company is committed to providing services to all US residents, short-term lending regulations in a number of states make this service impossible for residents of such states as West Virginia, Arkansas, Vermont, New York, and others. Since the rules regarding lending in different states may vary, the list of exceptions may also narrow or expand. Therefore, before You apply to find a lender, check Your state’s current legislation, which can be found on the [Rates and Fees] page, by clicking on the links to the official Websites of Your state authorities.

Services Provided by the Company

The mission of the Company is not to offer You a loan product but to connect You with third-party lenders or financial institutions that provide short-term loans. The size of a short-term loan depends on the regulations of each state, but in most cases, it is up to $1,000. As already mentioned, we operate solely as a search and match service and have no influence on the decision of a particular lender regarding whether or not to grant You a loan. The amount and conditions for obtaining a loan depend only on the financial institution or lender that You contact with our help. Therefore, we cannot guarantee that all of Your preferences considering the loan terms and amount required will be met as a result of Your search for a lender on our Website. The lenders in our network have their own rules for getting approved and receiving a loan; not all of them offer loans up to $1,000.

Short-term lending has certain risks in conditions of its unwise use, and therefore, we urge You to familiarize Yourself with them by consulting professionals before accepting loan offers that make You doubt. In addition, short-term loans are expensive forms of credit, so it is also worth weighing the pros and cons before making a final decision.

Since the Company is not involved in the decision to grant You a loan by third-party financial institutions and is not involved in formulating the conditions for granting a loan, we cannot provide Website Users with information on specific credit transactions and are not responsible for any decisions regarding Website Users by third-party creditors.

By continuing to use the Website, You expressly acknowledge that You have read and accept the Terms and Conditions of Use and other official documents and acknowledge that the Company is not responsible for Your communication and cooperation with third-party creditors that You contact through our Website, including all costs and any possible financial or non-financial damage from this cooperation.

For us to match You with a lender, You need to fill out an online form during registration, entering personal, employment, financial, and other data there. Among these data will be such sensitive information as a bank account and Social Security number, which is necessary to search and match lenders who are ready to provide You with a loan in accordance with the requests that You indicate when filling in the online form. For third-party lenders to make a decision regarding granting You a loan, we share some of Your personal information with them for verification, including sending requests to credit bureaus. The transfer of Your personal information, as well as its collection, storage, and use on the Website, is subject to our Privacy Policy and the Responsible Lending Policies and Marketing Practices, which can also be found on the Website. We strongly recommend that You read them, as the mere fact that You provide Your information on the Website means that You have read them and agree to each of the provisions, including all provisions of the Terms and Conditions of Use.

Third-party lenders to whom we share our Users’ data contact them independently through the channels indicated when applying through the online form. Therefore, if You have completed and submitted the online form, we consider this as a request to match You with financial institutions and lenders that can meet Your need for a short-term loan. This means that third-party lenders can contact You through the specified contacts, such as mail, phone, and email, to offer their loan products.

Also, we or a third-party lender may share some of Your personal information (excluding sensitive information such as bank details or a Social Security number) with third-party marketers contracted by us or them to provide You with additional information about various financial products that comply with Your interests indicated in the online form.

Third-party lenders to whom we share some of Your personal information, including the SS number, use it to check Your creditworthiness and make an informed decision when issuing You a short-term loan and determining its conditions.

However, the Company cannot guarantee that the lender we match You with will make a positive decision to grant You a loan or provide complete information on specific loan products. For any additional information regarding specific loan terms, transactions, financial services provided, etc., You should directly contact the third-party lender who will offer their services to You through our Website.

Proprietary Rights and Authorized Use

All Website content (including such assets as logos, digital records, texts, pictures, trademarks, videos, and other constituent parts) is in the Company’s impartible ownership and is protected by the copyright. All matters relating to this content are governed by the US Intellectual Property laws, which do not grant Users of the Website ownership of any of the content contained on this Site. Therefore, any actions related to its copying, duplication, resale, or other forms of use, including reproduction of design, organization, etc., are considered illegal. Any such use of the Site’s assets is strictly prohibited and will be punished under US intellectual property laws.

Use of the Website and all of its assets is permitted only in strict accordance with the Terms and Conditions of Use and other related documents. Because the content offered on the Website is well protected by US laws, including copyright law, any use of it for commercial purposes will be subject to legal action.

Disclaimer of Warranties

USERS SHOULD TREAT THIS WEBSITE AND THE SERVICES PROVIDED ON IT AS ACCESSIBLE ON THE BASIS OF THE “AS IS” PRINCIPLE AND STATED AVAILABILITY. ALL SERVICES ARE PROVIDED AT YOUR OWN RISK AND PERSONAL RESPONSIBILITY. YOU MUST READ AND ACCEPT THE TERMS OF USE BEFORE CONTINUING TO USE THE WEBSITE. THE COMPANY MAKES NO WARRANTIES OF ANY KIND REGARDING THE QUALITY OF SERVICES OR PRODUCTS OF THIRD-PARTY CREDITORS. ALL SERVICES OR PRODUCTS OFFERED ON THE SITE ARE SUBJECT TO CHANGE AS NEEDED AND WITHOUT PRIOR NOTICE TO USERS. THE COMPANY MAKES NO WARRANTY THAT ITS SERVICES WILL MEET YOUR EXPECTATIONS AND REQUIREMENTS AND WILL BE COMPLETELY ERROR-FREE, SECURE, OR UNINTERRUPTED. THE COMPANY’S SOFTWARE AND OTHER TECHNOLOGIES MAY CONTAIN ERRORS FOR WHICH WE ARE NOT RESPONSIBLE BUT WHICH WILL BE CORRECTED WHEN IT WILL BE POSSIBLE. LIKEWISE, THE COMPANY SHALL NOT BE RESPONSIBLE FOR THE SECURITY OF THE SOFTWARE OR TOOLS OF THIRD-PARTY CREDITORS OR THEIR WEBSITES, WHICH MAY ALSO CONTAIN ERRORS. THE COMPANY DOES NOT ACCEPT CLAIMS RELATED TO SUCH PROBLEMS FROM USERS AND DOES NOT ASSUME ANY LIABILITY. BY FOLLOWING THIRD-PARTY LINKS FROM THIS SITE, YOU SHOULD UNDERSTAND THAT THE COMPANY DOES NOT VERIFY THEM OR EVALUATE THEIR SERVICES. BY ACCEPTING THEIR PRODUCTS OR SERVICES, YOU DO SO AT YOUR OWN RISK AND RESPONSIBILITY. SHOULD YOU SUFFER ANY LOSS AFTER VISITING THE WEBSITES OF THIRD-PARTY CREDITORS OR MARKETING SERVICES BY FOLLOWING THE LINKS, THE COMPANY ASSUMES NO RESPONSIBILITY FOR THESE.

Limitation of Liability

IF YOU INCUR ANY INCIDENTAL, CONSEQUENTIAL, DIRECT, INDIRECT, OR OTHER LOSS OR DAMAGE AS A RESULT OF THE USE OF THIS SITE OR THE SERVICES PROVIDED BY THIRD-PARTY WEBSITES POSITIONING THEMSELVES AS LENDERS OR FINANCIAL ORGANIZATIONS, THE COMPANY SHALL NOT BE LIABLE FOR THIS. THE COMPANY’S TOTAL LIABILITY FOR DAMAGES CAUSED TO YOU DUE TO THE USE OF THE WEBSITE SHALL APPLY ONLY TO THE FEE THAT YOU HAVE PAID FOR ACCESS TO ITS SERVICES.

SINCE CERTAIN WARRANTIES, SUCH AS CONSEQUENTIAL OR INCIDENTAL DAMAGES, CANNOT BE EXCLUDED IN SOME JURISDICTIONS, IN THE EVENT OF ANY SUCH CLAIMS, THE COMPANY WILL ADAPT OUR LIABILITY TO APPLICABLE LAW TO THE FULLEST POSSIBLE DEGREE.

Application of Privacy Policy in Marketing Activity

By completing an online form on the Website and requesting our services, You expressly agree that we may use Your personal information for marketing purposes and share it with third-party marketers in accordance with the principles set out in our Privacy Policy. Subject to the provisions of this document, which You should review, some of Your personal information may be shared with third-party marketers and lenders with whom we have a contractual relationship. You can regulate Your presence in our databases and make a direct appeal to the contacts indicated on the Website with a request to remove Your information from the databases. If Your personal information is already in the databases of third-party service providers, You should make such a request directly to them.

Third-Party Websites

When using the Website, You will find information about third-party services and links to their sites. However, the Company is not responsible for the information provided on these websites and does not endorse any of the websites to which we link our Users. Therefore, the User must understand and accept all risks associated with the use of third-party websites to which they access through links from this Website, and not claim the Company liable for any losses that they may incur in connection with the use of third-party sites to which they accessed through our Site.

Disputes

If You have any claims against the Site that lead to a dispute with the Company, they will be resolved through arbitration and taking into account all the provisions presented in the Terms and Conditions of Use. Any disputes that relate to the operation of the Site or the services offered on it are resolved in accordance with the laws of the state that licensed the Company and gave it permission to provide services. In this case, a formal complaint is filed, which is sent for arbitration to a state-authorized body, where a decision is made on the basis of those federal and state principles that were in force at the time of dispute submission. Your acceptance of all provisions of the Terms and Conditions of Use constitutes an open acknowledgment of Your waiver of the right to represent Yourself in court against the Company: individually, through legal counsel, or using class action suits.

The arbitrator may award maximum compensatory damages not exceeding the maximum of the damages declared by the User. Because by accepting these Terms and Conditions of Use, You waive claims for incidental, punitive, and consequential damages, the arbitrator cannot award coverage by the Company. The User is obliged to accept the results of the arbitration, although the Company may choose to file a claim to any court within the jurisdiction instead of the American Arbitration Council.

If You are not satisfied with these arbitration clauses and would like to reject them, You can do so within ten (10) days after You have accepted our Terms and Conditions of Use. To do this, send Your request to %siteName%. This request must contain the phrase: “I reject the arbitration clause of the Company stated on its Website on its Terms Conditions of Use page,” as well as Your exact phone number, physical and email address, and full name. In this case, if a dispute arises, You can file a claim in any court authorized to resolve such issues. However, for the claim to be valid, it must be done within one (1) year after the damage has been recognized and determined.

Export Restriction

Because the United States has embargoed certain countries on the provision of services or goods, the Website is not available to residents of the following countries: North Korea, Cuba, Syria, Libya, Iran, Iraq, Sudan, and any others that may be included in this list. Also, Users who are on the list of Specially Designated Individuals maintained by the US Treasury Department or in the Table of Denial Orders maintained by the US Commerce Department may not apply for the Website’s services.

If You have registered on our Website, agreed to the Terms and Conditions of Use, and use its services, this constitutes Your direct confirmation that You do not belong to any of these categories.

Indemnification

Your use of this Website constitutes an indemnification given to the Company and all parties associated with it: directors, agents, its parent Company, affiliates, co-partners, employees, bankers, and others. By continued use of the Website services, You confirm that You cannot have claims or liabilities against the Company and the above parties due to the following cases: i) Your violation of any of the provisions stated in these Terms and Conditions of Use, ii) Misuse of the Website, iii) any resulting conflict between You and third-party service providers.

If any dispute arises or You bring claims against the Company or any of the third parties, including but not limited to those listed above, the provisions of this article will be invoked.

Complete Agreement

The provisions of these Terms and Conditions of Use shall be accepted by the User as the complete set of rules that govern the relationship between the Website owner Company and the User who requests its services. This agreement summarizes and supersedes all information and notices that have been received previously. If the User violates or discriminates against any of the provisions of the Terms and Conditions of Use, all other provisions, as well as the complete agreement, remain in force.

Making Modifications and Updates

These Terms and Conditions of Use may be modified by the Company or updated without the need for prior notice to Users. All amendments shall be deemed effective immediately upon posting on the Website unless posted for prior review on a deferred effective date. The effective date after the publication of updates to the Terms and Conditions of Use changes to the date of the last update. In order not to miss any changes in the provisions of this document, we strongly recommend that Users regularly check the date of the last update and re-read all provisions of these Terms and Conditions of Use and other official documents of the Website if the date has changed. Also, according to our Privacy Policy, we have the right to notify Users of all changes to this agreement and other documents that come into force by e-mail or other communication channels You have left.

Severability and Termination

If any provisions of the Terms and Conditions of Use are terminated due to obsolescence, conflict with applicable law, or other provisions of this document, all other provisions remain in force and act as the complete agreement between the Website owner Company and the User. Failure by the Company to comply with any of the provisions of this document does not mean the waiver of its own rights or refusal to comply with all other provisions of the agreement.

If You violate any of the Terms and Conditions of Use or state and federal laws in relation to Your use of the Website, the Company may refuse to provide You with further services. You may stop using the Website, thereby terminating this agreement, but all of its provisions will remain in effect.

Headings

These Terms and Conditions of Use use headings to summarize the meaning of the information contained in the text, but they do not replace or change the meaning of the approved terms and conditions.

Contact Information

With all inquiries and complaints regarding the quality of the services provided by the Website and other questions, You can contact our e-mail address. If You feel that the Company is responding slowly or inappropriately to Your inquiry, You can contact the oversight agencies in Your state that are authorized to deal with such matters.

YOUR CONTINUED USE OF THIS WEBSITE INDICATES YOUR AGREEMENT TO ABIDE THE ABOVE TERMS OF USE. WE ENCOURAGE YOU TO MAKE A PAPER COPY OF THIS AGREEMENT AND KEEP IT AS THE OFFICIAL DOCUMENT REGULATING THE RELATIONSHIP BETWEEN YOU AND THE COMPANY.