Materials Terms and Disclosures
Privacy Policy
WEBSITE TERMS OF USE (last updated January 22, 2024)
- Terms & Conditions
Terms and Conditions
You are visiting a website owned and operated by VIPRev, LLC. VIPRev, LLC and its subsidiaries (collectively, “VIPRev, LLC”, “us”, “we”, or “our”). VIPRev offers this Website to you conditioned upon your acceptance of all terms, conditions, policies and notices stated herein. These Website Terms of Use (hereafter “Terms”) applies to VIPRev, LLC and all websites owned and operated by VIPRev, LLC on which these Terms are displayed (referred here after as “Website(s)” or “Site(s),” whether individually or collectively) as well as VIPRev, LLC affiliates. This Agreement also applies to your use of any goods, facilities or services offered through the Websites (collectively “Services”), regardless of how they are accessed.
NOTICE REGARDING ARBITRATION. PART OF THE TERMS OF USE BELOW IS AN AGREEMENT TO ARBITRATE ALL DISPUTES THAT ARISE OUT OF THE USE OF, OR ARE RELATED TO, THE WEBSITE. BY AGREEING TO ARBITRATE ALL DISPUTES YOU ARE WAIVING YOUR RIGHT TO PROCEED IN COURT AND TO HAVE A TRIAL BEFORE A JUDGE OR A JURY. THESE PROCEDURES ALSO INCLUDE A WAIVER OF THE RIGHT TO FILE A REPRESENTATIVE, COLLECTIVE OR CLASS ACTION IN AN ARBITRATION PROCEEDING.
Agreement
By accessing, browsing, or using the Websites, you acknowledge that you understand, accept, and agree (i) to be bound by this Agreement, as well as our Privacy Policy, which is incorporated into this Agreement by reference; (ii) to the fullest extent required by the law of any state or the United States of America, that you have been provided with, have received, and are agreeing to all provided, applicable disclosure and consent requirements; and (iii) that you are of legal age and not prohibited by law from accessing or using the goods and Services offered herein. Certain Services may include additional terms; by agreeing to proceed with any such Services, you acknowledge that you have read, understand, and agree to be bound by any additional terms displayed or referenced that apply to that Service. If you do not agree to all these Terms, then you do not have permission to access this Website or use any of its Services and you must immediately disconnect therefrom.
Modification
We reserve the right, in our sole discretion, to change these Terms at any time by posting revised terms on this Website. The date on which these Terms have been last updated will be noted immediately above this page and the revised Terms will take effect seven (7) days after their publication on this Website. Therefore, you should visit this page periodically to review any changes. Your continued use of this Website after any such changes have been made constitutes acceptance of those changes.
Eligibility
The Services offered on this Website are not available to persons under the age of 18 or to persons who are not legal residents of the United States. By using this Website, applying for, or using any of its Services, you represent and warrant that you are at least 18 years of age and are a legal resident of the United States. Not all Services are available in all geographic areas. Your eligibility for particular Services is subject to final determination by VIPRev, LLC, its affiliates, and or its lending partners.
Services Offered by this Website.
Online Marketplace for Lenders and Other Providers. This Website functions as an online marketplace for you to find third party lenders and other providers that may be of interest to you. By clicking “Submit” or any button indicating acceptance, you are certifying that all of the information you have provided is your loan request form is true, accurate, and complete. Lenders and non-lenders (hereafter “Network Partners”) that participate in our network may use specific criteria, or filters, to identity the consumers with whom they would like to connect. The Network Partners also specify the prices they will pay us for the opportunity to present an offer to a consumer that meets the Network Partner’s criteria.
When you submit your loan request, VIPRev, LLC transmits the information you entered in the loan request form through our network in real time, presenting the information to Network Partners electronically until one Network Partner, often the highest bidding, accepts your loan request. You will then be directed to that Network Partner’s website where they may present you an offer for a loan or other products that may be of interest to you. If no Network Partner accepts your loan request, we may present you with an offer to submit another loan request or an offer for a different product. We also may share your contact information with third-party marketers and service providers that may contact you by email or text message/SMS (please note data and messaging rates may apply) to offer you loans or other products that may be of interest to you.
Tribal Lender Disclosure. When you submit a loan request on this Website, you may be connected to a tribal lender or marketplace lender. Tribal lenders may claim exemptions from state licensing and usury caps, based on tribal immunity or bank preemption. Please note that the rates and fees offered by these lenders may be higher than those offered by state-licensed lenders. In addition, with tribal lenders, you may be required to agree to resolve any disputes in a tribal jurisdiction. You are urged to read and understand the terms of any loan offered by any lender, regardless of its lending model, and to reject any particular loan offer that you cannot afford to repay or that includes terms that are not acceptable to you. By submitting your loan request, you agree that you have read and understand this above statement.
Advertiser Disclosure. This Website provides its services to you free of charge but may receive payment from lenders and non-lenders for referring a lead to them. Your use of this Website’s services constitutes your acknowledgment of this compensation arrangement. This Website does not endorse or recommend the services or products of any particular Network Partner. You should rely on your own judgment in deciding which available loan product, terms, lender and/or Network Partner most closely fits your needs and financial situation. We do not guarantee that the loan terms or rates offered and made available by lenders are the best terms or lowest rates available in the market.
Request for Other Products and Services. VIPRev, LLC may also allow you to request products or services other than loans that are advertised on this Website based on your interest. These non-loan related products or services may include debt consolidation or settlement, auto title loans, health insurance products, credit card products and/or any products or services that may be of interest to you. VIPRev, LLC will not transmit your information to these non-loan related products or services without first obtaining your express consent to do so and based on the qualifying questions you answer throughout your loan request form.
Not Professional Advice. VIPRev, LLC and the products and services it promotes are not a substitute for professional advice. We provide our Services solely for your convenience, and such Services (i) are not intended as a substitute for professional advice; (ii) should not be construed as the provision of advice or recommendations; and (iii) should not be relied upon as the basis for any financial decision or action. We do not control and therefore are not responsible for the usefulness, accuracy or reliability of any Services. It is your responsibility to evaluate the accuracy, completeness or usefulness of any Services available through this Website. The relationship between you and us is not a professional or similar relationship. We always recommend you seek the advice of a qualified professional with respect to any questions you may have, and to never disregard professional advice or delay in seeking it because of something you have read on this or any other Website.
Geographic Restrictions
The Service is controlled, operated and administered by EasyCapitalAccess 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 EasyCapitalAccess Content accessed through https://easycapitalaccess.com in any country or in any manner prohibited by any applicable laws, restrictions or regulations.
Data Sharing with Lenders, Providers, Non-Lending Financial Institutions, and Third Parties.
When you voluntarily submit your loan request, you understand and agree that we will share the information provided in the loan request form with lenders, providers, non-lending financial institutions, and third parties (also referred to as “Network Partners”). Network Partners may keep the information provided in your loan request form, and other information provided to us or received by them in the processing of your loan request, or other products or services that may be of interest to you. Network Partners may retain this information, whether or not you qualify for or take a loan with them, and whether or not you are qualified for the goods or services offered. You agree to notify any particular Network Partner directly if you no longer want to receive communications from them. In addition, VIPRev, LLC and its Network Partners may share the information you provide to them with state licensing authorities, government regulators, and as permitted or required by law.
Pursuant to contractual relationships between Network Partners and VIPRev, LLC, VIPRev, LLC may receive information from the Network Partner regarding the status of your loan request, including, but not limited to, the amount or disposition of your loan. Information specific to the Network Partner you may be connected with will be found in the Network Partner’s specific Privacy Policy. Please note that as more specifically set forth in VIPRev’s Privacy Policy, you are providing your express written consent for VIPRev, LLC and the selected Network Partners to share this personally identifiable information for the following purposes: to provide the services and products that you seek, litigation, regulatory request(s), law enforcement requests, internal analytics, and/or for marketing purposes.
Consent to Receive Communications via E-mail, Telephone Calls and/or SMS Messaging.
When you submit your information on our Website and consent to receive communications from us, please note that we may communicate with you via postal mail, e-mail, telephone calls and/or SMS messaging where you have provided your express consent to be contacted through those forms of communication. You may receive these communications directly from us or our e-mail and SMS messaging service providers (hereafter “Marketing Service Providers”) on behalf of us. You agree to receive communications from us and our affiliates electronically and that all agreements, notices, disclosures and other communications (hereafter “Disclosures and Communications”) that we can provide to you electronically satisfy any legal requirement that such communications be in writing. Network Partners may also be required by law to provide you with certain Disclosures and Communications. These Network Partners must obtain your consent in order to provide you with Disclosures and Communications electronically. By submitting a loan request on or through this Website, you affirmatively consent and agree to receive all Disclosures and Communications required by law electronically in accordance with the terms of our E-Consent.
Disclosures and Communications. VIPRev may transmit or convey information about action taken on your request, portions of your request that may be incomplete or require additional explanation, any notices required under applicable law, which may include any Federal Truth-in-Lending disclosures, State disclosures, other terms, conditions and documents, and the privacy policies of VIPRev, LLC and its Network Partners. You have the right to receive any document in non-electronic form and to withdraw your consent to electronic delivery at any time by contacting VIPRev, LLC at [email protected]. By submitting your loan request through this Website, you consent to be contacted by us, our Marketing Service Providers and/or each Network Partner that we transmit your information to, and their affiliates and service providers, by (i) telephone at the numbers you have provided whether landline or cellular, even if your phone number is on any federal, state, or local Do-Not-Call registry and you agree to receive pre-recorded calls and/or messages made with an automatic dialing system; (ii) by email at the email address you provided or at another address that may be associated with you that we receive from other parties and you agree that any such email will not be considered spam or unauthorized by any local, state, or federal law or regulations; and/or (iii) by SMS/text messaging to the mobile number that you provide, in which case data and message rates may apply. Consent is not required in order to purchase goods and services from VIPRev, LLC or the Network Partners that reach out to you. By submitting a loan request through this Website, you understand and agree that you have established a business relationship between you and VIPRev, LLC. By submitting your information on our Website, you give us permission to retain all such provided information and to make live or recorded calls to discuss, provide or remind you of any information in regards to you submission, including incomplete loan requests, the delivery of loan request offers, deadlines, quality of service or other matters in connection with your loan request or any other good or service. Additionally, by submitting your information on this Website, you may also choose to give your express consent to receive marketing and advertising material from VIPRev, LLC our Network Partners, and third-party advertising partners with whom we may also share your information. VIPRev, LLC additionally partners with third-party email marketing providers with whom you may receive VIPRev, LLC marketing from if you have opted in to receiving such emails from the third-party.
If at any time you do not wish to continue to receive communications from VIPRev, LLC (other than those communications necessary to fulfill your requests or complete the Services you have requested)and its Marketing Service Providers, you may contact VIPRev, LLC to opt out (i) by sending us an e-mail to [email protected] and/or (iii) mail us at VIPRev, LLC, 12724 Gran Bay Parkway West Bartram Park, Suite 410, Jacksonville, FL 32258.
Privacy
We respect your privacy and use generally accepted industry standards to safeguard your personally identifiable information. For additional information regarding this Website’s collection and use of your personally identifiable information in connection with your use of this Website, please see our Privacy Policy. VIPRev, LLC and/or its Network Partners may obtain, verify, and record information including, but not limited to, your name, social security number, address, telephone number and date of birth, that will allow them to properly identify you. During the Network Partner’s formal application process, they also may ask to your driver’s license or other identifying documentation to further assist in certifying your identity.
Foreign Users
VIPRev, LLC makes no representation that materials in this Website are appropriate or available for use in other locations. If you access this Website from outside the United States, please understand that this Website may contain references and/or links to products and services that are not available or are prohibited in your jurisdiction. Any user who is a resident of a foreign country agrees that (i) they have voluntary sought and established contact with VIPRev, LLC; (ii) they will not use, transmit, disseminate or upload any material, content, that would violate any applicable local, state or national laws or regulations of the foreign member’s country of resident; (iii) under no circumstance shall VIPRev, LLC be deemed liable under any laws other than the United States; (iv) his or her participation is governed by United States law and subject to the arbitration and venue provisions stated herein; and (v) consent to having their data processed in the United States.
Representations and Warranties
You represent and warrant to VIPRev, LLC that (i) you are at least 18 years of age; (ii) you are authorized to enter into this agreement; (iii) you will not use this Website or the Contents herein for any purpose or manner that violates any laws, regulation or that infringes the rights of us [email protected] or any third party; (iv) any information or data you provide to us will not violate any law, regulation or infringe the rights of any third party; (v) all information that you provide to us in connection with this Website (e.g. name, e-mail address, phone number and/or other information) is true, correct and accurate; and (vi) you are authorized and able to fulfill and perform the obligations and meet the conditions of a user as specified herein.
Disclaimers and Liability
THIS WEBSITE DOES NOT WARRANT, GUARANTEE OR MAKE REPRESENTATIONS REGARDING YOUR USE, OR THE ULTIMATE OUTCOME OF YOUR USE OF THIS WEBSITE, IN TERMS OF AVAILABILITY, ACCURACY, RELIABILITY, COMPLETENESS, INTENDED PURPOSE, QUALITY, FUNCTIONALITY, OR OTHERWISE. THIS WEBSITE AND MATERIALS CONTAINED HEREIN ARE PROVIDED TO YOU “AS IS” AND “AS AVAILABLE” WITHOUT ANY WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, INCLUDING, WITHOUT LIMITATION, ANY IMPLIED WARRANTIES OF MERCHANTIBILITY, TITLE, NONINFRINGEMENT, FITNESS FOR A PARTICULAR PURPOSE, AND ANY WARRANTY OUT OF COURSE OF DEALING, USAGE OR TRADE. VIPRev, LLC IS NOT RESPONSIBLE OR LIABLE FOR ANY NETWORK PARTNER’S ACTS OR OMISSIONS INCLUDING FOR ANY QUOTES OR SERVICES THAT ANY SUCH NETWORK PARTNER MAY PROVIDE, FOR ANY NETWORK PARTNER’S CONTACTING OR FAILURE THEREOF TO CONTACT YOU, FOR ANY NETWORK PARTNER’S PERFORMANCE OR FAILURE TO PERFORM ANY SERVICES, OR FOR ANY AGREEMENT OR TRANSACTION BETWEEN YOU AND ANY NETWORK PARTNER.
YOU AGREE THAT VIPRev, LLC ITS MARKETING SERVICE PROVIDERS, AND NETWORK PARTNERS WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL, EXEMPLARY OR PUNITIVE DAMAGES, INCLUDING, WITHOUT LIMITATION, DAMAGES FOR LOSS OF PROFITS, USE, LOSS OF DATA, LOSS OF SECURITY ARISING OUT OF OR IN ANY WAY CONNECTED TO YOUR USE OF THIS WEBSITE, OR OF INFORMATION OR MATERIALS AVAILABLE THROUGH THE WEBSITE, WHETHER BASED IN CONTRACT, TORT, STRICT LIABILITY, OR OTHERWISE, EVEN IF VIPRev, LLC HAS BEEN ADVISED OF THE POSSIBILITY OF DAMAGES. IN PARTICULAR AND WITHOUT LIMITATION, TOTAL LIABILITY OF VIPRev, LLC FOR ANY REASON WHATSOEVER RELATED TO YOUR USE OF THIS WEBSITE, RESULTS FROM USE OF THIS WEBSITE, OR FOR ANY CLAIMS RELATING TO THIS AGREEMENT SHALL NOT EXCEED ONE HUNDRED DOLLARS ($100.00 USD). THE FOREGOING LIMITATIONS SHALL APPLY NOTWITHSTANDING ANY FAILURE OF ESSENTIAL PURPOSE OF ANY LIMITED REMEDY. SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OF CERTAIN WARRANTIES OR THE LIMITATION OR EXCLUSION OF LIABILITY FOR INCIDENTAL OR CONSEQUENTIAL DAMAGES. ACCORDINGLY, OUR LIABILITY IN SUCH JURISDICTION SHALL BE LIMITED TO THE MAXIMUM EXTENT PERMITTED BY LAW.
Indemnity
As a condition of use of this Website and/or VIPRev, LLC’s services, you agree to indemnify VIPRev, LLC and its Marketing Service Providers, and Network Partners from and against any and all liabilities, expenses (including attorney’s fees) and damages arising out of claims resulting from your use of this Website, including without limitation any claims alleging facts that if true would constitute a breach by you of these Terms. You must not settle any such claim or matter without the prior written consent of VIPRev, LLC. VIPRev, LLC parties reserve the right, at their own expense, to assume the exclusive defense and control of any matter subject to indemnification by you, and you further agree that you will cooperate fully in the defense of any such claim.
Errors and Delays
You agree that VIPRev, LLC is not responsible for any errors or delays in responding to a request or referral form caused by, including but not limited to, an incorrect email address or other information provided by you or other technical problems beyond our reasonable control.
Links to Third Party Websites
This Website may contain links to websites maintained by third parties. Such links are provided for your convenience and reference only. We do not operate or control in any respect any information, software, products or services available on non-affiliated third-party websites. Our inclusion of a link to a website does not imply any endorsement of the services or the website, its contents, or its sponsoring organization. Your use of any such third-party websites may be subject to other terms and conditions imposed by the third parties maintaining those websites; review and understand the terms of use and privacy policies governing the use of those sites. When you leave this Website, you agree that we are not responsible for the accuracy or content of the information provided by that website, nor is it liable for any direct or indirect technical or system issues arising out of your access to or use of third-party technologies or programs available through that website.
Notice to Claim
For all disputes you may have, whether pursued in court or arbitration, you must first give VIPRev, LLC an opportunity to resolve the dispute by providing written notification to and via postal mail to VIPRev, LLC, 12724 Gran Bay Parkway West Bartram Park, Suite 410, Jacksonville, FL 32258. (i) your name, (ii) your address, (iii) a written description of your claim, and (iv) a description of the specific relief you seek. If VIPRev, LLC does not resolve the dispute within 30 days after it receives your notification, you may pursue your dispute as set forth above.
Release and Discharge
YOU HEREBY RELEASE, REMISE AND FOREVER DISCHARGE VIPRev, LLC. ITS MARKETING SERVICE PROVIDERS AND ITS NETWORK PARTNERS, AND EACH OF THEIR RESPECTIVE AGENTS, DIRECTORS, OFFICERS, EMPLOYEES, INFORMATION PROVIDERS, SERVICE PROVIDERS, SUPPLIERS, LICENSORS AND LICENSEES, AND ALL OTHER RELATED, ASSOCIATED, OR CONNECTED PERSONS FROM ANY AND ALL MANNER OF RIGHTS, CLAIMS, COMPLAINTS, DEMANDS, CAUSES OF ACTION, PROCEEDINGS, LIABILITIES, OBLIGATIONS, LEGAL FEES, COSTS, AND DISBURSEMENT OF ANY NATURE AND KIND WHATSOEVER AND HOWSOEVER ARISING, WHETHER KNOWN OR UNKNKOWN, WHICH NOW OR HEREAFTER EXIST, WHICH ARISE FROM, RELATE TO, OR ARE CONNECTED WITH YOUR USE OF THIS WEBSITE.
Dispute Resolution and Binding Arbitration.
YOU AGREE THAT ANY DISPUTE BETWEEN YOU AND US, INCLUDING WITHOUT LIMITATION DISPUTES RELATING TO THIS WEBSITE, CONTENT OR SERVICE (“DISPUTE”), SHALL BE FINAL AND EXCLUSIVELY RESOLVED BY BINDING INDIVIDUAL ARBITRATION ADMINISTERED BY THE AMERICAN ARBITRATION ASSOCIATION (“AAA”) IN ACCORDANCE WITH ITS CONSUMER ARBITRATION RULES. DISPUTES WILL BE ARBITRATED AT A HEARING CONDUCTED IN FLORIDA; THE ARBITRATOR(S) SHALL HAVE NO AUTHORITY TO DEVIATE FROM THE LAW, AND THE ARBITRATOR(S) SHALL MAKE ALL REASONABLE EFFORTS TO EXPEDITE THE ARBITRATION PROCEEDINGS AND TO LIMIT DISCOVERY. THIS MEANS THAT YOU WILL NOT BE ABLE TO LITIGATE ANY SUCH DISPUTE IN COURT, AND THAT YOU AGREE TO WAIVE YOUR RIGHT TO A JURY TRIAL. YOU AGREE THAT ANY AND ALL DISPUTES WILL BE GOVERNED BY THE LAWS OF THE STATE OF FLORIDA WITHOUT REGARD TO ANY CONFLICT OF LAW PROVISIONS. IF ANY MATTER PROCEEDS IN COURT, INCLUDING POST-ARBITRATION CONFIRMATION PROCEEDINGS, YOU AGREE TO THE EXCLUSIVE PERSONAL JURISDICTION BY, AND VENUE IN, THE STATE AND FEDERAL COURTS LOCATED IN FLORIDA, AND WAIVE ANY OBJECTION TO SUCH JURISDICTION OR VENUE.
You agree that no arbitration under this agreement shall be joined to an arbitration involving any other party subject to this agreement. Arbitration must be on an individual basis. You may not join or consolidate claims in arbitration or litigate in court or arbitrate any claims as a representative or member of a class or in a privacy attorney general capacity. You also agree that any dispute or disagreement regarding the enforceability, applicability or interpretation of any provision of this agreement, including the provisions regarding dispute resolution and arbitration, is a Dispute subject to the arbitration provisions herein and shall be resolved by an arbitrator.
You also agree that any dispute or cause of action arising out of or related to this Website, Services or Content must be commenced within one year from the later of (i) when the dispute or cause of action accrues, or (ii) through the exercise of reasonable diligence you should have known about the accrual of the cause of action. Otherwise, such cause of action is permanently barred.
You acknowledge and agree that, in entering into this Agreement, you are not relying on any representation, warranty, statement or promise, express or implied, not explicitly set forth in this Agreement, and you hereby waive any claimed reliance on same. If any provision of this Agreement shall be found to be invalid or enforceable, you agree such provision shall, to the maximum extent feasible, be modified by to render it enforceable with respect to the Dispute at issue and to reflect to the maximum extent possible the intent of the existing language of the provision when considered in the context of this Agreement as a whole, that such modified provision shall be enforced with respect to the underlying claims in the Dispute at issue, and that such a finding of invalidity or unenforceability shall not affect the validity or enforceability of this Agreement as a whole or of any other provision of this Agreement.
No Class Actions
To the extent allowed by law, you and VIPRev, LLC each agree to waive any right to pursue disputes on a consolidated or class-wide basis; that is, to either join a claim with the claim of any other person or entity, or assert a claim in a representative capacity on behalf of anyone else in any lawsuit, arbitration, or other proceeding. You hereby understand that by agreeing to this class action waiver, you may only bring claims against VIPRev, LLC in an individual capacity and not as a plaintiff or class member in any purported class action or representative proceeding.
DMCA Notice
Pursuant to the Digital Millennium Copyright Act (DMCA) Safe Harbor 17 U.S.C. § 512(c), if you believe that anything on this Website or service offered herein infringes any copyright that you own or control, you may file notice of such infringement, in compliance with the requirements of 17 U.S.C. 512(c)(3), with our designated agent at VIPRev, LLC, 12724 Gran Bay Parkway West Bartram Park, Suite 410, Jacksonville, FL 32258. or [email protected]. A copy of this legal notice may be sent to a third-party that may publish and/or annotate it. As such, your letter, with your personal information redacted, may be forwarded to the Chilling Effects Clearinghouse for publication.
California Consumer Notice
Under California Civil Code Section 1789.3, California website users are entitled to know that they may file grievances and complaints with the Complaint Assistance Unit of the Division of Consumer Services of the California Department of Consumer Affairs, in writing at 400 R Street, Suite 1080, Sacramento, CA 95814, by telephone at (916) 445-1254 or (800) 952-5210, or by e-mail at [email protected].
Entire Agreement
These Terms and VIPRev, LLC’s Privacy Policy, which is hereby incorporated by reference as if set forth fully herein, represent the entire agreement between you and VIPRev, LLC with respect to subject matter herein, and they supersede all prior or contemporaneous communications and proposals, whether electronic, oral, or written between you and VIPRev, LLC with respect to the Website.
Miscellaneous
The headings contained in this Agreement are for convenience of reference only, are not to be considered a part of this Agreement, and shall not limit or otherwise affect in any way the meaning or interpretation of this Agreement. If you have questions, comments, concerns or feedback regarding this Agreement or our Services, please contact us at [email protected].
PLEASE PRINT A COPY OF THESE TERMS OF USE FOR YOUR RECORDS.
Terms and Conditions
IMPORTANT ACKNOWLEDGMENT – PLEASE READ!
The following statement provides information about General Loans, APR, Loan Resumptions and Loan Payment Terms. Please read it carefully.
ARE THERE ANY FEES?
“Easy Capital Access” services will always be provided free of charge, but that is not to say that the lender will give you a loan for free. Your lender will charge you fees and/or interest and must provide you with full disclosure of their loan terms upon approval. It is then your responsibility to read through the terms before signing your loan agreement.
WHAT IF I NEED TO MAKE A LATE PAYMENT?
Late Payment penalties differ from lender to lender. Lenders may be forgiving if you contact them directly, though some may automatically add a fee if it is in their agreement. For more information, please contact the lender directly if you have any issues repaying your loan.
WHEN DO I REPAY THE LOAN?
Loan repayment terms differ by lender. Thus, it is important to check the loan agreement from your lender for information on the lender’s repayment terms.
IMPORTANT CUSTOMER INFORMATION
Personal loans differ from other types of loans, such as home mortgages or automobile loans. Specifically, personal loans allow you to spend your money in a number of different ways, whether it’s to help pay off medical expenses, make home improvements, repairs to your vehicle or consolidate your debts. A personal loan is paid back to the lender over a set period of time. Fill out the form and see just how much money you can borrow from the comfort of your own home. It’s as easy as that!
WHAT IS A PERSONAL LOAN FOR?
People get personal loans to help with home repairs, unexpected expenses, holiday shopping, and more. A loan from one of our lenders can help you get the funds you need! Just fill out our Online Form. Follow the short process and if you are approved, you may receive your funds as soon as the next business day!
APR INFORMATION
Annual Percentage Rate (APR) is a measure of the cost of credit, expressed as a nominal yearly rate. It relates to the amount and timing of value received by the consumer to the amount and timing of payments made. “Easy Capital Access” cannot guarantee any APR since we are not a lender ourselves. An APR can generally run between 5.99% up to 35.99% for qualified borrowers. Loan products general have a 61-day minimum repayment term and a 72-month maximum repayment term. Before accepting a loan from a lender within our network, please read the loan agreement carefully as the APR and repayment terms may differ from what is listed on this site. In addition, you may be connected with a tribal lender in accordance with our Tribal Lender Disclosure.”
Tribal Lender Disclosure. When you submit a loan request on this Website, you may be connected to a tribal lender or marketplace lender. Tribal lenders may claim exemptions from state licensing and usury caps, based on tribal immunity or bank preemption. Please note that the rates and fees offered by these lenders may be higher than those offered by state-licensed lenders. In addition, with tribal lenders, you may be required to agree to resolve any disputes in a tribal jurisdiction. You are urged to read and understand the terms of any loan offered by any lender, regardless of its lending model, and to reject any particular loan offer that you cannot afford to repay or that include terms that are not acceptable to you. By submitting your loan request, you agree that you have read and understand this above statement.
Terms & Conditions
You are visiting a website owned and operated by VIPRev, LLC.. VIPRev, LLC and its subsidiaries (collectively, “VIPRev, LLC”, “us”, “we”, or “our”) offers this Website to you conditioned upon your acceptance of all terms, conditions, policies and notices stated herein. These Terms and Conditions (hereafter “Terms”) applies to VIPRev, LLC and all websites owned and operated by VIPRev, LLC on which these Terms are displayed (referred here after as Website(s) or Site(s), whether individually or collectively) as well asVIPRev, LLC affiliates. This Agreement also applies to your use of any goods, facilities or services offered through the Websites (collectively “Services”), regardless of how they are accessed. By accessing, browsing, or using the Websites, you acknowledge that you understand, accept, and agree to be bound by this Agreement, as well as our Privacy Policy, which is incorporated into this Agreement by reference, You agree that, to the fullest extent required by the law of any state, that you have been provided with, have received, and are agreeing to all disclosure and consent requirements. Certain Services may include additional terms; by agreeing to proceed with any such Services, you acknowledge that you have read, understand, and agree to be bound by any additional terms displayed or referenced that apply to that Service.
Agreement
By accessing, browsing, or using the Websites, you acknowledge that you understand, accept, and agree (i) to be bound by this Agreement, as well as our Privacy Policy, which is incorporated into this Agreement by reference; (ii) to the fullest extent required by the law of any state, that you have been provided with, have received, and are agreeing to all disclosure and consent requirements; and (iii) that you are of legal age and not prohibited by law from accessing or using the goods and Services offered herein. Certain Services may include additional terms; by agreeing to proceed with any such Services, you acknowledge that you have read, understand, and agree to be bound by any additional terms displayed or referenced that apply to that Service. If you do not agree to all these Terms, then you may not access this Website or use any of its Services.
Modification
We reserve the right, in our sole discretion, to change these Terms at any time by posting revised terms on this Website. The date on which these Terms have been last updated will be noted immediately above this page and the revised Terms will take effect seven (7) days after their publication on this Website. Therefore, you should visit this page periodically to review any changes. Your continued use of this Website after any such changes have been made constitutes acceptance of those changes.
Eligibility
The Services offered on this Website are not available to persons under the age of 18 or to persons who are not legal residents of the United States. By using this Website, apply for or using any of its Services, you represent and warrant that you are at least 18 years of age and are a legal resident of the United States. Not all Services are available in all geographic areas. Your eligibility for particular Services is subject to final determination by VIPRev, LLC, its affiliates, and or its lending partners.
Authorization to Obtain a Credit Report and Credit Score.
You understand and agree that by submitting your loan request, you are providing written instruction under the Fair Credit Reporting Act authorizing us and/or the lenders with whom your request is shared to obtain your consumer credit report, credit score, and/or other information from any consumer reporting agency in order to provide you with quotes and verify your identity. These lenders may obtain your credit report, credit score, and other information to make a final decision before extending a loan to you. 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.
Services Offered by this Website.
Online Marketplace for Lenders and Other Providers. This Website functions as an online marketplace for you to find third party lenders and other providers that may be of interest to you. By clicking “Submit” or any button indicating acceptance, you are certifying that all of the information you have provided is your loan request form is true, accurate, and complete. Lenders and non-lenders (hereafter “Network Partners”) that participate in our network may use specific criteria, or filters, to identity the consumers with whom they would like to connect with. The Network Partners also specify the prices they will pay us for the opportunity to present an offer to a consumer that meets the Network Partner’s criteria.
When you submit your loan request, VIPRev, LLC transmits the information you entered in the loan request form through our network in real time, presenting the information to Network Partners electronically until one Network Partner, often the highest bidding, accepts your loan request. You will then be directed to that Network Partner’s website where they may present you an offer for a loan or other products that may be of interest to you. If no Network Partner accepts your loan request, we may present you with an offer to submit another loan request or an offer for a different product. We also may share your contact information with third-party marketers and service providers that may contact you by email or text message/SMS (please note data and messaging rates may apply) to offer you loans or other products that may be of interest to you.
Advertiser Disclosure. This Website provides its services to you free of charge but may receive payment from lenders and non-lenders for referring a lead to them. Your use of this Website’s services constitutes your agreement with this compensation arrangement. This Website does not endorse or recommend the services or products of any particular Network Partner. You should rely on your own judgment in deciding which available loan product, terms, lender and/or Network Partner most closely fits your needs and financial situation. We do not guarantee that the loan terms or rates offered and made available by lenders are the best terms or lowest rates available in the market.
Request for Other Products and Services. VIPRev, LLC may also allow you to request products or services other than loans that are advertised on this Website based on your interest. These non-loan related products or services may include debt consolidation or settlement, auto title loans, health insurance products, credit card products and/or any products or services that may be of interest to you. VIPRev, LLC will not transmit your information to these non-loan related products or services without first obtaining your express consent to do so and based on the qualifying questions you answer throughout your loan request form.
Not Professional Advice. VIPRev, LLC and the products and services it promotes are not a substitute for professional advice. We provide our Services solely for your convenience, and such Services (i) are not intended as a substitute for professional advice; (ii) should not be construed as the provision of advice or recommendations; and (iii) should not be relied upon as the basis for any financial decision or action. We are not responsible for the accuracy or reliability of any Services. It is your responsibility to evaluate the accuracy, completeness or usefulness of any Services available through this Website. The relationship between you and us is not a professional or similar relationship. We always recommend you seek the advice of a qualified professional with respect to any questions you may have, and to never disregard professional advice or delay in seeking it because of something you have read on this Website.
Consent to Receive Communications via E-mail, Telephone Calls and/or SMS Messaging
The Service is controlled, operated and administered by “Easy Capital Access” 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 “Easy Capital Access” Content accessed through https://easycapitalaccess.com in any country or in any manner prohibited by any applicable laws, restrictions or regulations.
Data Sharing with Lenders, Providers, Non-Lending Financial Institutions, and Third Parties.
When you voluntarily submit your loan request, you understand and agree that we will share the information provided in the loan request form with lenders, providers, non-lending financial institutions, and third parties (also referred to as “Network Partners”). Network Partners may keep the information provided in your loan request form, and other information provided to us or received by them in the processing of your loan request, or other products or services that may be of interest to you. Network Partners may retain this information, whether or not you qualify for or take a loan with them, and whether or not you are qualified for the goods or services offered. You agree to notify any particular Network Partner directly if you no longer want to receive communications from them. In addition, VIPRev, LLC and its Network Partners may share the information you provide to them with state licensing authorities and government regulators.
Pursuant to contractual relationships between Network Partners and VIPRev, LLC, VIPRev, LLC may receive information from the Network Partner regarding the status of your loan request, but not limited to, the amount or disposition of your loan. Information specific to the Network Partner you may be connected with will be found in the Network Partner’s specific Privacy Policy. Please note that you are providing your express written consent for VIPREv, LLC and the selected Network Partners to share this personally identifiable information for the following purposes: to provide the services and products that you seek, litigation, regulatory request(s), law enforcement requests, internal analytics, and/or for marketing purposes.
Consent to Receive Communications via E-mail, Telephone Calls and/or SMS Messaging.
When you submit your information on our Website and consent to receive communications from us, please note that we may communicate you via postal mail, e-mail, telephone calls and/or SMS messaging where you have provided your express consent to be contacted through those forms of communication. You may receive these communications directly from us or our e-mail and SMS messaging service providers (hereafter “Marketing Service Providers”) on behalf of us. You agree to receive communications from us and our affiliates electronically and that all agreements, notices, disclosures and other communications (hereafter “Disclosures and Communications”) that we can provide to you electronically satisfy any legal requirement that such communications be in writing. Network Partners may also be required by law to provide you with certain Disclosures and Communications. These Network Partners must obtain your consent in order to provide you with Disclosures and Communications electronically. By submitting a loan request on or through this Website, you affirmatively consent and agree to receive all Disclosures and Communications required by law electronically in accordance with the terms of our E-Consent.
Disclosures and Communications may transmit or convey information about action taken on your request, portions of your request that may be incomplete or require additional explanation, any notices required under applicable law, which may include any Federal Truth-in-Lending disclosures, State disclosures, other terms, conditions and documents, and the privacy policies of VIPRev, LLC and its Network Partners. You have the right to receive any document in non-electronic form and to withdraw your consent to electronic delivery at any time by contacting VIPRev, LLC at [email protected]. By submitting your loan request through this Website, you consent to be contacted by us, our Marketing Service Providers and/or each Network Partner that we transmit your information to, and their affiliates and service providers, by (i) telephone at the numbers you have provided whether landline or cellular, even if your phone number is on any federal, state, or local Do-Not-Call registry and you agree to receive pre-recorded calls and/or messages made with an automatic dialing system; (ii) by email at the email address you provided or at another address that may be associated with you that we receive from other parties and you agree that any such email will not be considered spam or unauthorized by any local, state, or federal law or regulations; and/or (iii) by SMS/text messaging to the mobile number that you provide, in which case data and message rates may apply. Consent is not required in order to purchase goods and services from VIPRev, LLC or the Network Partners that reach out to you. By submitting a loan request through this Website, you understand and agree that you have established a business relationship between you and VIPRec, LLC. By submitting your information on our Website, you give us permission to retain all such provided information and to make live or recorded calls to discuss, provide or remind you of any information in regards to you submission, including incomplete loan requests, the delivery of loan request offers, deadlines, quality of service or other matters in connection with your loan request or any other good or service. Additionally, by submitting your information on this Website, you may also choose to give your express consent to receive marketing and advertising material from VIPRev, LLC our Network Partners, and third-party advertising partners with whom we may also share your information. VIPRev, LLC additionally partners with third-party email marketing providers with whom you may receive VIPRev, LLC marketing from if you have opted in to receiving such emails from the third-party.
If at any time you do not wish to continue to receive communications from VIPRev, LLC and its Marketing Service Providers, you may contact VIPRev, LLC to opt out (i) by sending us an e-mail to [email protected] and/or (iii) mail us at VIPRev, LLC, 12724 Gran Bay Parkway West Bartram Park, Suite 410, Jacksonville, FL 32258.
Privacy
We respect your privacy and use generally accepted industry standards to safeguard your personally identifiable information. For additional information regarding this Website’s collection and use of your personally identifiable information in connection with your use of this Website, please see our Privacy Policy. VIPRev, LLC and/or its Network Partners may obtain, verify, and record information including, but not limited to, your name, social security number, address, telephone number and date of birth, that will allow them to properly identify you. During the Network Partner’s formal application process, they also may ask to your driver’s license or other identifying documentation to further assist in certifying your identity.
Foreign Users
VIPRev, LLC makes no representation that materials in this Website are appropriate or available for use in other locations. If you access this Website from outside the United States, please understand that this Website may contain references and/or links to products and services that are not available or are prohibited in your jurisdiction. Any user who is a resident of a foreign country agrees that (i) they have voluntary sought and established contact with VIPRev, LLC; (ii) they will not use, transmit, disseminate or upload any material, content, that would violate any applicable local, state or national laws or regulations of the foreign member’s country of resident; (iii) under no circumstance shall VIPRev, LLC be deemed liable under any laws other than the United States; (iv) his or her participation is governed by United States law and subject to the arbitration and venue provisions stated herein; and (v) consent to having their data processed in the United States.
Representations and Warranties
You represent and warrant to VIPRev, LLC that (i) you are at least 18 years of age; (ii) you are authorized to enter into this agreement; (iii) you will not use this Website or the Contents herein for any purpose or manner that violates any laws, regulation or that infringes the rights of us [email protected] or any third party; (iv) any information or data you provide to us will not violate any law, regulation or infringe the rights of any third party; (v) all information that you provide to us in connection with this Website (e.g. name, e-mail address, phone number and/or other information) is true, correct and accurate; and (vi) you are authorized and able to fulfill and perform the obligations and meet the conditions of a user as specified herein.
Disclaimers and Liability
THIS WEBSITE DOES NOT WARRANT, GUARANTEE OR MAKE REPRESENTATIONS REGARDING YOUR USE, OR THE ULTIMATE OUTCOME OF YOUR USE OF THIS WEBSITE, IN TERMS OF AVAILABILITY, ACCURACY, RELIABILITY, COMPLETENESS, INTENDED PURPOSE, QUALITY, FUNCTIONALITY, OR OTHERWISE. THIS WEBSITE AND MATERIALS CONTAINED HEREIN ARE PROVIDED TO YOU “AS IS” AND “AS AVAILABLE” WITHOUT ANY WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, INCLUDING, WITHOUT LIMITATION, ANY IMPLIED WARRANTIES OF MERCHANTIBILITY, TITLE, NONINFRINGEMENT, FITNESS FOR A PARTICULAR PURPOSE, AND ANY WARRANTY OUT OF COURSE OF DEALING, USAGE OR TRADE. VIPRev, LLC IS NOT RESPONSIBLE OR LIABLE FOR ANY NETWORK PARTNER’S ACTS OR OMISSIONS INCLUDING FOR ANY QUOTES OR SERVICES THAT ANY SUCH NETWORK PARTNER MAY PROVIDE, FOR ANY NETWORK PARTNER’S CONTACTING OR FAILURE THEREOF TO CONTACT YOU, FOR ANY NETWORK PARTNER’S PERFORMANCE OR FAILURE TO PERFORM ANY SERVICES, OR FOR ANY AGREEMENT OR TRANSACTION BETWEEN YOU AND ANY NETWORK PARTNER.
YOU AGREE THAT VIPRev, LLC ITS MARKETING SERVICE PROVIDERS, AND NETWORK PARTNERS WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL, EXEMPLARY OR PUNITIVE DAMAGES, INCLUDING, WITHOUT LIMITATION, DAMAGES FOR LOSS OF PROFITS, USE, LOSS OF DATA, LOSS OF SECURITY ARISING OUT OF OR IN ANY WAY CONNECTED TO YOUR USE OF THIS WEBSITE, OR OF INFORMATION OR MATERIALS AVAILABLE THROUGH THE WEBSITE, WHETHER BASED IN CONTRACT, TORT, STRICT LIABILITY, OR OTHERWISE, EVEN IF VIPRev, LLC HAS BEEN ADVISED OF THE POSSIBILITY OF DAMAGES. IN PARTICULAR AND WITHOUT LIMITATION, TOTAL LIABILITY OF VIPRev, LLC FOR ANY REASON WHATSOEVER RELATED TO YOUR USE OF THIS WEBSITE, RESULTS FROM USE OF THIS WEBSITE, OR FOR ANY CLAIMS RELATING TO THIS AGREEMENT SHALL NOT EXCEED ONE HUNDRED DOLLARS ($100.00 USD). THE FOREGOING LIMITATIONS SHALL APPLY NOTWITHSTANDING ANY FAILURE OF ESSENTIAL PURPOSE OF ANY LIMITED REMEDY. SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OF CERTAIN WARRANTIES OR THE LIMITATION OR EXCLUSION OF LIABILITY FOR INCIDENTAL OR CONSEQUENTIAL DAMAGES. ACCORDINGLY, OUR LIABILITY IN SUCH JURISDICTION SHALL BE LIMITED TO THE MAXIMUM EXTENT PERMITTED BY LAW.
Indemnity
As a condition of use of this Website and/or VIPRev, LLC’s services, you agree to indemnify VIPRev, LLC and its Marketing Service Providers, and Network Partners from and against any and all liabilities, expenses (including attorney’s fees) and damages arising out of claims resulting from your use of this Website, including without limitation any claims alleging facts that if true would constitute a breach by you of these Terms. You must not settle any such claim or matter without the prior written consent of VIPRev, LLC. VIPRev, LLC parties reserve the right, at their own expense, to assume the exclusive defense and control of any matter subject to indemnification by you, and you further agree that you will cooperate fully in the defense of any such claim.
Errors and Delays
You agree that VIPRev, LLC is not responsible for any errors or delays in responding to a request or referral form caused by, including but not limited to, an incorrect email address or other information provided by you or other technical problems beyond our reasonable control.
Links to Third Party Websites
This Website may contain links to websites maintained by third parties. Such links are provided for your convenience and reference only. We do not operate or control in any respect any information, software, products or services available on non-affiliated third-party websites. Our inclusion of a link to a website does not imply any endorsement of the services or the website, its contents, or its sponsoring organization. Your use of any such third-party websites may be subject to other terms and conditions imposed by the third parties maintaining those websites. When you leave this Website, you agree that we are not responsible for the accuracy or content of the information provided by that website, nor is it liable for any direct or indirect technical or system issues arising out of your access to or use of third-party technologies or programs available through that website.
Notice to Claim
For all disputes you may have, whether pursued in court or arbitration, you must first give VIPRev, LLC an opportunity to resolve the dispute by providing written notification to and via postal mail to VIPRev, LLC, 12724 Gran Bay Parkway West Bartram Park, Suite 410, Jacksonville, FL 32258. (i) your name, (ii) your address, (iii) a written description of your claim, and (iv) a description of the specific relief you seek. If VIPRev, LLC does not resolve the dispute within 30 days after it receives your notification, you may pursue your dispute as set forth above.
Release and Discharge
YOU HEREBY RELEASE, REMISE AND FOREVER DISCHARGE VIPRev, LLC. ITS MARKETING SERVICE PROVIDERS AND ITS NETWORK PARTNERS, AND EACH OF THEIR RESPECTIVE AGENTS, DIRECTORS, OFFICERS, EMPLOYEES, INFORMATION PROVIDERS, SERVICE PROVIDERS, SUPPLIERS, LICENSORS AND LICENSEES, AND ALL OTHER RELATED, ASSOCIATED, OR CONNECTED PERSONS FROM ANY AND ALL MANNER OF RIGHTS, CLAIMS, COMPLAINTS, DEMANDS, CAUSES OF ACTION, PROCEEDINGS, LIABILITIES, OBLIGATIONS, LEGAL FEES, COSTS, AND DISBURSEMENT OF ANY NATURE AND KIND WHATSOEVER AND HOWSOEVER ARISING, WHETHER KNOWN OR UNKNKOWN, WHICH NOW OR HEREAFTER EXIST, WHICH ARISE FROM, RELATE TO, OR ARE CONNECTED WITH YOUR USE OF THIS WEBSITE.
Dispute Resolution and Binding Arbitration.
YOU AGREE THAT ANY DISPUTE BETWEEN YOU AND US, INCLUDING WITHOUT LIMITATION DISPUTES RELATING TO THIS WEBSITE, CONTENT OR SERVICE (“DISPUTE”), SHALL BE FINAL AND EXCLUSIVELY RESOLVED BY BINDING INDIVIDUAL ARBITRATION ADMINISTERED BY THE AMERICAN ARBITRATION ASSOCIATION (“AAA”) IN ACCORDANCE WITH ITS CONSUMER ARBITRATION RULES. DISPUTES WILL BE ARBITRATED AT A HEARING CONDUCTED IN WEST PALM BEACH, FLORIDA; THE ARBITRATOR(S) SHALL HAVE NO AUTHORITY TO DEVIATE FROM THE LAW, AND THE ARBITRATOR(S) SHALL MAKE ALL REASONABLE EFFORTS TO EXPEDITE THE ARBITRATION PROCEEDINGS AND TO LIMIT DISCOVERY. THIS MEANS THAT YOU WILL NOT BE ABLE TO LITIGATE ANY SUCH DISPUTE IN COURT, AND THAT YOU AGREE TO WAIVE YOUR RIGHT TO A JURY TRIAL. YOU AGREE THAT ANY AND ALL DISPUTES WILL BE GOVERNED BY THE LAWS OF THE STATE OF FLORIDA WITHOUT REGARD TO ANY CONFLICT OF LAW PROVISIONS. IF ANY MATTER PROCEEDS IN COURT, INCLUDING POST-ARBITRATION CONFIRMATION PROCEEDINGS, YOU AGREE TO THE EXCLUSIVE PERSONAL JURISDICTION BY, AND VENUE IN, THE STATE AND FEDERAL COURTS LOCATED IN WEST PALM BEACH, FLORIDA, AND WAIVE ANY OBJECTION TO SUCH JURISDICTION OR VENUE.
You agree that no arbitration under this agreement shall be joined to an arbitration involving any other party subject to this agreement. Arbitration must be on an individual basis. You may not join or consolidate claims in arbitration or litigate in court or arbitrate any claims as a representative or member of a class or in a privacy attorney general capacity. You also agree that any dispute or disagreement regarding the enforceability, applicability or interpretation of any provision of this agreement, including the provisions regarding dispute resolution and arbitration, is a Dispute subject to the arbitration provisions herein and shall be resolved by an arbitrator.
You also agree that any dispute or cause of action arising out of or related to this Website, Services or Content must be commenced within one year from the later of (i) when the dispute or cause of action accrues, or (ii) through the exercise of reasonable diligence you should have known about the accrual of the cause of action. Otherwise, such cause of action is permanently barred.
You acknowledge and agree that, in entering into this Agreement, you are not relying on any representation, warranty, statement or promise, express or implied, not explicitly set forth in this Agreement, and you hereby waive any claimed reliance on same. If any provision of this Agreement shall be found to be invalid or enforceable, you agree such provision shall, to the maximum extent feasible, be modified by to render it enforceable with respect to the Dispute at issue and to reflect to the maximum extent possible the intent of the existing language of the provision when considered in the context of this Agreement as a whole, that such modified provision shall be enforced with respect to the underlying claims in the Dispute at issue, and that such a finding of invalidity or unenforceability shall not affect the validity or enforceability of this Agreement as a whole or of any other provision of this Agreement.
No Class Actions
To the extent allowed by law, you and VIPRev, LLC each agree to waive any right to pursue disputes on a consolidated or class-wide basis; that is, to either join a claim with the claim of any other person or entity, or assert a claim in a representative capacity on behalf of anyone else in any lawsuit, arbitration, or other proceeding. You hereby understand that by agreeing to this class action waiver, you may only bring claims against VIPRev, LLC in an individual capacity and not as a plaintiff or class member in any purported class action or representative proceeding.
DMCA Notice
Pursuant to the Digital Millennium Copyright Act (DMCA) Safe Harbor 17 U.S.C. § 512(c), if you believe that anything on this Website or service offered herein infringes any copyright that you own or control, you may file notice of such infringement, in compliance with the requirements of 17 U.S.C. 512(c)(3), with our designated agent at VIPRev, LLC, 12724 Gran Bay Parkway West Bartram Park, Suite 410, Jacksonville, FL 32258. or [email protected]. A copy of this legal notice may be sent to a third-party that may publish and/or annotate it. As such, your letter, with your personal information redacted, may be forwarded to the Chilling Effects Clearinghouse for publication.
California Consumer Notice
Under California Civil Code Section 1789.3, California website users are entitled to know that they may file grievances and complaints with the Complaint Assistance Unit of the Division of Consumer Services of the California Department of Consumer Affairs, in writing at 400 R Street, Suite 1080, Sacramento, CA 95814, by telephone at (916) 445-1254 or (800) 952-5210, or by e-mail at [email protected].
Entire Agreement
These Terms and VIPRev, LLC’s Privacy Policy, which is hereby incorporated by reference as if set forth fully herein, represent the entire agreement between you and VIPRev, LLC with respect to subject matter herein, and they supersede all prior or contemporaneous communications and proposals, whether electronic, oral, or written between you and VIPRev, LLC with respect to the Website.
Miscellaneous
The headings contained in this Agreement are for convenience of reference only, are not to be considered a part of this Agreement, and shall not limit or otherwise affect in any way the meaning or interpretation of this Agreement. If you have questions, comments, concerns or feedback regarding this Agreement or our Services, please contact us at [email protected].
Loan Rates and Fees
Only a lender or lending partner can provide you with information on their rates and terms. This will typically happen shortly after your loan request is complete, and you are connected with a lender or lending partner. VIPRev, LLC does not make credit decisions or determine rates and terms. Remember, you are under no obligation to accept the loan offer if the terms are not satisfactory for whatever reason.
Repayment
Repayment on personal loans is generally performed either monthly or once every two weeks, depending either on your preferences or your lender’s or lending partner’s terms. You may be able to have funds withdrawn automatically from your bank account on the date agreed upon with your lender or lending partner. Be sure that you read and fully understand all policies regarding repayment and understand what you will have to do as a borrower to repay the loan. Your loan cannot be conditioned upon repayment by electronic funds transfer or automatic withdrawal. Consult your lender or lending partner for more details.
Personal Loan Costs
On the whole, the eventual cost of a personal loan will vary a great deal based on factors related to the requester, the state the requester lives in, the lender or lending partner, and the requester’s repayment. Other factors that matter are the amount of money that is borrowed, the period of time of the loan and the specific interest rates used. Your credit score may also be taken into consideration.
Standard Personal Loan Terms
While specific terms of personal loans will vary depending on your state, your lender or lending partner and your specific circumstances, below is a general range of common terms.
- Loan amount: $1,000 – $35,000
- Lending period: 60 days – 72 months
- Payment frequency: Once a month or twice a month
- APR: Will vary based on your credit score, repayment history and other factors
- Prepayment penalty: Varies by Lender
Lending Policy
Lending Goals
You understand and acknowledge that VIPRev, LLC’s (collectively, “VIPRev, LLC”, “us”, “we”, or “our”) Fair and Responsible Lending Policy (hereafter “Policy”) is intended to be read in conjunction with this Website’s Terms & Conditions and Privacy Policy. Capitalized terms not defined in this Policy are used as defined in the Website’s Terms of Use and Privacy Policy.
This Policy was created in an effort to provide you with important information regarding your rights as a consumer and practices that may be applicable to our Network Partners. The contents of this Policy are not intended or designed to be, and should not be construed as, legal advice, financial advice, or tax advice. Any inquiries you may have regarding your loan or the presented loan offers should be addressed with the lender directly.
Introduction
VIPRev, LLC is not a lender or party to any loan or other transaction, does not broker loans to lending partners, and does not make loans or credit decisions. We submit the information you provide us to the lending partners in our database who may, with your consent, use a “soft” credit check to assess your eligibility for a personal loan and may then provide loan offers. A “soft” credit check does not impact your credit score. If you decide to proceed with an application for a loan, the lender will likely perform a “hard” credit check, which could impact your credit score. VIPRev, LLC is committed to working with responsible lending partners who have policies in place to protect consumers against abusive, misleading, or fraudulent lending practices.
The Equal Credit Opportunity Act (ECOA). ECOA prohibits discrimination based on race or color, marital status, religion, nationality or national origin, gender, age, income derived from public assistance programs, and the applicant’s exercise of any right under the Consumer Credit Protection Act. This Act applies to any extension of credit.
Fair Credit Reporting Act (FCRA). FCRA is intended to promote correctness, fairness, and confidentiality of information in Consumer Reporting Agency files by requiring the agencies to furnish correct and whole information to businesses when a consumer’s information is being evaluated for insurance, credit, or employment. Under the FCRA, consumers have the right to: (i) know the information within their credit file, (ii) be informed if information in their file has been used against them; (iii) dispute incomplete or erroneous data in their file; (iv) receive one disclosure at no cost every 12 months upon request from each nationwide credit bureau and from nationwide specialty consumer reporting agencies; (v) request a credit score from consumer reporting agencies for a fee; (vi) limit access to the consumer’s file to people with a valid need for access; and (vii) limit unsolicited offers of credit and be provided with opt out rights of such communication.
The Truth in Lending Act (TILA). TILA is intended to promote the knowledgeable use of consumer credit by requiring written disclosures regarding terms, costs and fees of loans before a consumer takes responsibility for the loan. This Act additionally provides consumers the right to withdraw from certain credit dealings involving a lien on the consumer’s dwelling, provides a means for just and timely resolve of credit billing disputes and regulates credit card practices. Please note that this Act does not mandate the charges that may be imposed for consumer credit. The lenders in VIPRev, LLC’s network are required to provide consumers with clearly written and discernable interest rates, late fees, and any other fees that may be connected with their loan before loan documents are fully executed.
Americans with Disabilities Act (ADA). The ADA prohibits discrimination against qualified individuals by ensuring that these individuals have equivalent access to goods and services offered by private businesses.
APR Disclosure
The Annual Percentage Rate (APR) is the yearly cost of credit, represented as a percentage. The APR includes fees related to originating the loan, not just the interest payments. By law, the lender must show you the APR before you enter into a loan agreement. States have laws limiting the APR that the lender or partner can charge you. Please read the lender’s terms and conditions before proceeding with a personal loan.
Rates and APR may vary based on lender and applicant qualifications.
Debt Collection Practices
VIPRev, LLC is not a lender, does not fund loans, and does not engage in any kind of practice related to debt collection. VIPRev, LLC aims to work only with reputable lenders who adhere to fair debt collections practices and guidelines. VIPRev, LLC supports the provisions of the Fair Debt Collection Practices Act (FDCPA) which is enforced by the Federal Trade Commission (FTC). The FDCPA forbids collectors and collection attorneys from using misleading behaviors, harassment, and other unethical practices in an effort to collect debt. The FDCPA additionally stipulates specific hours of the day in which consumers may be contacted. The FDCPA typically does not apply to first party creditors, however, certain states have passed laws similar to the FDCPA that may apply to first party creditors. Some lending partners in VIPRev, LLC’s network may collect their own debts and therefore may be subject to state lending or debt collection regulations. If a lender directly or indirectly violates a debt collection law or regulation, we suggest reporting the violation to the FTC.
Implications of Late Payment and Non-Payment
If you obtain a loan, it is vital that you understand implications that could result from making a payment late or from failing to make a payment. Each lending partner determines their own policy regarding fees that may be charged and/or other consequences from late or non-payments. Consequences can include added charges, negative implications to your credit history and score, collections, and more. We advise you to thoroughly review the payment policies provided in your loan documents before signing so you may understand the policy and any potential fees or penalties associated with late or non-payments.
State Regulations
VIPRev, LLC has a due diligence process in place to help ensure that our lending partners are abiding by the applicable state and federal regulations. However, VIPRev, LLC is not responsible for any actions conducted by sources outside its control, including, without limitation, those involving independent lending partners. Individual states may have their own regulations for lending, including laws pertaining to interest rate limitations, rollover terms, fees, loan terms, recession periods, etc. While VIPRev, LLC has policies and procedures in place to ensure the lending partners within our network comply with all federal and state regulations, it is necessary for each consumer to educate themselves about their loan offer prior to considering whether or not to accept the offer. This includes federal, state, and tribal laws, rules and regulations that apply to your specific offer.
Advertiser Disclosure
Easycapitalaccess.com is completely free to use, we will never charge you a fee for our service.
Instead, Easycapitalaccess.com may receive a fee or compensation for introductions to its partners.
Using Easycapitalaccess.com does not impact your interest rates and Easycapitalaccess.com does not influence where and how lender offers appear on your results page.
Easycapitalaccess.com cannot guarantee that all lenders or all types of loan offers in the marketplace will be available at the time you are using our service, and not all loan products are available in all states.
The underwriting criteria necessary for approval are determined solely by the lenders (not Easycapitalaccess.com) and it is imperative that you carefully review the details of each lender’s terms and conditions and compare them with other options before proceeding with an application for a loan. Shop around and perform your own due diligence.
You must determine which loan works for you and your personal financial situation. All rates, fees, and terms are presented without guarantee and are subject to change pursuant to each provider’s discretion. There is no guarantee that you will be approved for credit or that upon approval you will qualify for the advertised rates, fees, or terms.