Terms and conditions

Quickdaizyloan and its owner and operator (“Quickdaizyloan,” “we,” “us,” or “our”) provide our loan referral services (described below) and related content to you through our website(s) located at Quickdaizyloan (the “Site”) and through our mobile applications and related technologies (“Mobile Apps,” and collectively, such Mobile Apps) and the Site, including any updated or new features, functionality, and technology, the “Service.” All access and use of the Service are subject to the terms and conditions contained in these Terms and Conditions of Use (as amended from time to time, the “Terms”). By accessing, browsing, or otherwise using the Site, Mobile Apps, or any other aspect of the Service, you acknowledge that you have read, understood, and agree to be bound by these Terms. If you do not accept the terms and conditions of these Terms, you will not access, browse, or otherwise use the Service.

PLEASE READ THESE TERMS & CONDITIONS OF USE CAREFULLY, AS THEY CONTAIN AN AGREEMENT TO ARBITRATE AND OTHER IMPORTANT INFORMATION REGARDING YOUR LEGAL RIGHTS, REMEDIES, AND OBLIGATIONS. THE AGREEMENT TO ARBITRATE REQUIRES (WITH LIMITED EXCEPTION) THAT YOU SUBMIT CLAIMS YOU HAVE AGAINST US TO BINDING AND FINAL ARBITRATION, AND FURTHER (1) YOU WILL ONLY BE PERMITTED TO PURSUE CLAIMS AGAINST US ON AN INDIVIDUAL BASIS, NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY CLASS OR REPRESENTATIVE ACTION OR PROCEEDING, (2) YOU WILL ONLY BE PERMITTED TO SEEK RELIEF (INCLUDING MONETARY, INJUNCTIVE, AND DECLARATORY RELIEF) ON AN INDIVIDUAL BASIS, AND (3) YOU MAY NOT BE ABLE TO HAVE ANY CLAIMS YOU HAVE AGAINST US RESOLVED BY A JURY OR IN A COURT OF LAW.

Loan Referral Service

Our loan referral service (the “Service”) connects consumers with prospective lenders participating in our network (the “Lender Partners”). To use the Service, you must complete an online request form (a “Request Form”) that requests personal information from you, including your name, address, telephone number, email address, social security number, bank account information, and employment information. Please review our privacy policy at Privacy Policy (“Privacy Policy”). The terms of the Privacy Policy are incorporated into and considered a part of these Terms of Use.

Credit Decisions

Quickdaizyloan is not a lender and does not make loans or credit decisions. Quickdaizyloan does not guarantee that any Lender Partner will offer you a loan or that any loan offer will contain any specific loan terms or conditions. Quickdaizyloan does not guarantee that the price, product, availability, rates, fees, or any other loan terms offered and made available by Lender Partners through the Service are the best terms available in the market.

Once you submit a Request Form, Quickdaizyloan shares your information with our Lender Partners. By submitting a Request Form, you understand and agree that you are requesting loan offers from the Lender Partners. You are also agreeing that Quickdaizyloan and the Lender Partners may contact you by any means (including email, telephone, SMS, and direct mail) so that they may assist in processing your Request Form or provide information to you about additional offers now or in the future.

Lender Partners who receive your Request Form review your information in real-time to determine whether your information meets the Lender Partner’s underwriting criteria. Lender Partners may use your Request Form information to perform a credit check. This credit check may be a formal credit inquiry that leaves a record on your credit report and may affect your credit score (a “Hard Check”). Or it could be an informal inquiry that will not affect your credit (a “Soft Check”). These credit checks may be performed through TransUnion, Equifax, or Experian (the “Big Three”) or they may be performed through other alternative credit reporting agencies or data aggregators (such as Microbilt, Teletrack, DP Bureau, or DataX) that track consumer transactions with lending institutions. By submitting your Request Form, you agree to allow Lender Partners to review, verify, and research your information in such a manner.

If a Lender Partner determines that your Request Form meets its underwriting criteria, your browser will be redirected to the lender’s website. You understand and agree that, once you have been redirected to the lender’s website, Quickdaizyloan has no further involvement in the loan registration or decision process. Your interactions with the lender are subject to the privacy policy, terms of use, and other policies or terms enforced by that lender.

Electronic Disclosure

By submitting your Request Form, you agree to receive notifications, disclosures, and other documents and communications both from Quickdaizyloan and from our Lender Partners. If you are connected to a Lender Partner, that lender may require you to execute an electronic loan contract. This electronic loan contract will be as binding as a loan contract in paper form. And your electronic signature will be as valid as a physical signature on a paper loan contract.

The lender may also require you to consent to receiving all notifications regarding your loan electronically. These electronic communications may include attempts to collect a debt.

Additionally, the lender may require you to access documents related to a loan, including your loan contract. By submitting your Request Form, you agree to this form of access.

The lender may allow you to withdraw your consent to electronic disclosures. Please contact the lender with whom you were connected to learn more about this process. Please note, however, that not consenting to receive electronic disclosures may affect your ability to receive a loan from a Lender Partner.

Accuracy

You represent that the information you provide to Quickdaizyloan, and ultimately, the Lender Partners, through your Request Form is accurate and truthful. If the information in your Request Form is not accurate and truthful, Quickdaizyloan may deny, suspend, or terminate your use of the Service.

Control over Features, Functions, and Access to the Service

Quickdaizyloan may change any information, features, or functions of the Service without prior notice. Quickdaizyloan may deny you access to all or part of the Service without prior notice if you engage in any conduct or activities that Quickdaizyloan determines, in its sole discretion, violate these Terms, the rights of Quickdaizyloan or any third party, or are otherwise inappropriate. Quickdaizyloan is not responsible for any errors or delays in providing Service caused by errors in the Request Form information provided by you or by any technical problems beyond its reasonable control.

Disclaimers And Limitations

The Website And The Information, Software, Products, And Services Associated With It Are Provided “As Is.” Quickdaizyloan Expressly Disclaims Any Warranty Of Any Kind, Whether Express Or Implied, As To Any Matter Whatsoever Relating To The Website And Any Information, Software, Products, Or Services Provided Herein, Including Without Limitation The Warranties Of Title, Non-Infringement, Merchantability, Or Fitness For A Particular Purpose. Quickdaizyloan Makes No Warranty As To The Results That May Be Achieved By Using The Website And The Information, Software, Products, And Services Associated With It. Use Of The Website Or The Service Is At Your Own Risk.

Quickdaizyloan Or The Lender Partners Or Advertisers Or Any Of Their Officers, Directors, Agents, Subsidiaries, Affiliates, Employees, Successors, Assigns, Content Providers, Or Service Providers Will Not Be Liable For Any Direct, Indirect, Incidental, Consequential, Special, Or Punitive Damages Or Other Injury Arising Out Of Or In Any Way Connected With The Use Of The Website Or The Service Or With The Delay Or Inability To Use The Website, Or For Any Information, Software, Products, Or Services Obtained Through The Website, Or Otherwise Arising Out Of The Use Of The Website, Whether Resulting In Whole Or In Part, From Breach Of Contract, Tortious Behavior, Negligence, Strict Liability, Or Otherwise, Even If Quickdaizyloan Or The Lender Partners Have Been Advised Of The Possibility Of Damages. Quickdaizyloan Does Not Endorse Or Recommend The Products Of Any Particular Lender.

Quickdaizyloan Is Not An Agent Of You Or Any Participating Lender. Quickdaizyloan Is Not Involved With The Lender’s Use Or Review Of Your Request Form Information Or In Making A Determination About Whether You Meet A Particular Lender’s Underwriting Criteria. The Lender Is Solely Responsible For Its Services To You, And You Agree That Quickdaizyloan Will Not Be Liable For Any Damages Or Costs Of Any Type Arising Out Of Or In Any Way Connected With Your Use Of The Service. You Understand That Lender Partners May Keep Your Request Form Information, Whether Or Not You Are Qualified For A Loan With Them.

Some States Do Not Allow The Limitation Of Liability And Disclaimer Of Implied Warranties, So The Disclaimers And Limitations Above May Not Apply To You. In Such States, The Respective Liability Of Quickdaizyloan, The Lender Partners, And Their Officers, Directors, Agents, Subsidiaries, Affiliates, Employees, Successors, Assigns, Content Providers And Service Providers Is Limited To The Greatest Extent Permitted By Law.

Indemnity

As A Condition Of Using The Website Or The Services, You Agree To Indemnify Quickdaizyloan And The Lender Partners From And Against Any And All Liabilities, Expenses (Including Attorney’s Fees) And Damages Arising Out Of Claims Resulting From Your Use Of The Website, Including Any Claims Alleging Facts That If True Would Constitute A Breach By You Of These Terms.

Links To Third Parties

The Website May Contain Links To Websites Controlled By Parties Other Than Quickdaizyloan (the “Third-Party Sites”). Quickdaizyloan Is Not Responsible For And Does Not Endorse Or Accept Any Responsibility For The Content Or Use Of Any Third-Party Site. You Acknowledge And Agree That Quickdaizyloan Shall Not Be Responsible For Any Loss Or Damage Of Any Sort Associated With Your Use Of Any Third-Party Site.

Governing Law And Dispute Resolution

Any Dispute Relating In Any Way To Your Visit To The Website Or To Products Or Services Sold Or Distributed By Quickdaizyloan Or Through The Website Shall Be Submitted To Confidential Arbitration In The County Of Orange, California, Except That, To The Extent You Have In Any Manner Violated Or Threatened To Violate Quickdaizyloan’s Intellectual Property Rights, Quickdaizyloan May Seek Injunctive Or Other Appropriate Relief In Any State Or Federal Court In The State Of California. You Agree To Arbitrate All Disputes, Claims, Or Controversies Except For Claims Or Controversies That Are Within The Jurisdiction Of A Small Claims Court. Arbitration Under These Terms Shall Be Conducted According To The Rules Of The American Arbitration Association (“AAA”). You Agree That The Arbitration Shall Be Conducted By A Single Arbitrator And That The Award Of The Arbitrator Shall Be Final And Binding Upon You And Quickdaizyloan.

Modification

Quickdaizyloan May At Its Discretion, Change, Modify, Add, Or Remove Portions Of These Terms At Any Time. Any Changes Will Be Effective When We Post The Updated Terms On Our Website. Your Continued Use Of The Service Following The Posting Of Changes To These Terms Will Constitute Your Acceptance Of Such Changes. If You Do Not Agree To Any Change To These Terms, You Must Cease Use Of The Service.

General

These Terms Represent The Entire Agreement Between You And Quickdaizyloan With Respect To Your Use Of The Website. If Any Provision Of These Terms Is Held To Be Invalid Or Unenforceable, That Provision Will Be Construed To Reflect The Parties’ Original Intentions, And The Remaining Provisions Will Remain In Full Force And Effect. Quickdaizyloan’s Failure To Enforce Any Right Or Provision Of These Terms Will Not Constitute A Waiver Of Such Right Or Provision. You Agree That Regardless Of Any Statute Or Law To The Contrary, Any Claim Or Cause Of Action Arising Out Of Or Related To Use Of The Website Or These Terms Must Be Filed Within One (1) Year After Such Claim Or Cause Of Action Arose Or Be Forever Barred.