Requests for Quotes or Offers
Express Invitation to Be Contacted
By submitting the application form(s), you understand and agree that you are submitting an inquiry about a loan product to Efinancequotes.com and each of the Participating Lenders to whom Efinancequotes.com transmits your loan request. By submitting the application form(s), you are extending an express invitation to Efinancequotes.com and to any and each of the Participating Lenders with whom your information is shared to contact you by any means (including, without limitation, email, telephone, and direct mail) so that they may assist you with your transaction or provide information to you about additional offers in which you may be interested.
Participating lenders who receive your application information from Efinancequotes.com review your information in real-time to determine whether your information meets the lender’s loan qualification criteria. Participating lenders may, among other things, verify your social security number, perform a credit check, and review your information against national databases that track consumer transactions with lending institutions. By submitting the application form(s), you agree to allow Participating Lenders to review, verify, and research your information in such manner.
Efinancequotes.com is Not a Lender
Efinancequotes.com is not a lender and does not make loans or credit decisions in connection with its service. Efinancequotes.com does not guarantee acceptance into any particular loan program or specific loan terms of conditions with any Participating Lender. Efinancequotes.com does not guarantee that the price, product, availability, rates, fees, or any other loan terms offered and made available by Participating Lenders through the loan matching service are the best terms available in the market.
Efinancequotes.com does not endorse or recommend the products of any particular lender. Efinancequotes.com is not an agent for you or any Participating Lender. Efinancequotes.com is not involved with the lender’s use and/or review of your application information or in making a determination about whether you meet a particular lender’s loan qualification criteria. The lender is solely responsible for its services to you, and you agree that Efinancequotes.com shall not be liable for any damages or costs of any type arising out of or in any way connected with your use of this website. You understand that Participating Lenders may keep your application information, whether or not you are qualified for a loan with them.
Efinancequotes.com does not make any warranties or representations regarding the quotes, fees, terms, rates, coverage or services offered or made available by Participating Lenders. Efinancequotes.com does not guarantee that quotes, fees, terms, rates, coverage or services offered by Participating Lenders are the best available.
Unless you are a Participating Lender or order a specific service through the website, Efinancequotes.com does not charge you a fee to use the website. Efinancequotes.com does not participate in, and is not responsible for, any fee arrangement that you may enter into with any Participating Lender. You acknowledge and agree to this compensation arrangement. You hereby release Efinancequotes.com of any and all losses, costs, damages or claims in connection with, arising from or related to your use of a Participating Lender’s products or services, including any fees charged by a Participating Lender.
Access to the Website and Service
Efinancequotes.com reserves the right to change any information, features and/or functions of the website and its services without prior notice. Efinancequotes.com may deny you access to all or part of the services without prior notice if you engage in any conduct or activities that Efinancequotes.com determines, in its sole discretion, violate these Terms, the rights of Efinancequotes.com or any third party, or is otherwise inappropriate. Efinancequotes.com is not responsible for any errors or delays in providing the loan quote services caused by errors in any of the application information provided by you or by any technical problems beyond our reasonable control.
Disclaimers and Limitations
THIS WEBSITE AND THE INFORMATION, SOFTWARE, PRODUCTS, AND SERVICES ASSOCIATED WITH IT ARE PROVIDED “AS IS.” EFINANCEQUOTES.COM EXPRESSLY DISCLAIMS ANY WARRANTY OF ANY KIND, WHETHER EXPRESS OR IMPLIED, AS TO ANY MATTER WHATSOEVER RELATING TO THIS 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. EFINANCEQUOTES.COM MAKES NO WARRANTY AS TO THE RESULTS THAT MAY BE ACHIEVED BY USING THIS WEBSITE AND THE INFORMATION, SOFTWARE, PRODUCTS AND SERVICES ASSOCIATED WITH IT. USE OF THIS WEBSITE AND/OR EFINANCEQUOTES.COM’S SERVICES IS AT YOUR OWN RISK. EFINANCEQUOTES.COM AND/OR ITS PARTICIPATING LENDERS 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 THIS WEBSITE AND/OR EFINANCEQUOTES.COM’S SERVICES OR WITH THE DELAY OR INABILITY TO USE THIS WEBSITE, OR FOR ANY INFORMATION, SOFTWARE, PRODUCTS AND SERVICES OBTAINED THROUGH THIS WEBSITE, OR OTHERWISE ARISING OUT OF THE USE OF THIS WEBSITE, WHETHER RESULTING IN WHOLE OR IN PART, FROM BREACH OF CONTRACT, TORTIOUS BEHAVIOR, NEGLIGENCE, STRICT LIABILITY OR OTHERWISE, EVEN IF EFINANCEQUOTES.COM OR ITS PARTICIPATING LENDERS HAVE BEEN ADVISED OF THE POSSIBILITY OF DAMAGES. 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 EFINANCEQUOTES.COM, ITS PARTICIPATING LENDERS, AND THEIR OFFICERS, DIRECTORS, AGENTS, SUBSIDIARIES, AFFILIATES, EMPLOYEES, SUCCESSORS, ASSIGNS, CONTENT PROVIDERS AND SERVICE PROVIDERS IS LIMITED TO THE GREATEST EXTENT PERMITTED BY LAW.
Efinancequotes.com does not validate or investigate the licensing, certification or other requirements and qualifications of Participating Lenders. It is your responsibility to investigate Participating Lenders. You acknowledge and agree that Participating Lenders are solely responsible for any services that they may provide to you and that Efinancequotes.com shall not be liable for any losses, costs, damages or claims in connection with, arising from, or related to, your use of a Participating Lender’s products or services.
As a condition of using this web site and/or the services offered herein, you agree to indemnify Efinancequotes.com and its Participating Lenders from and against any and all liabilities, expenses (including attorneys’ fees) and damages arising out of claims resulting from your use of this web site, including without limitation any claims alleging facts that if true would constitute a breach by you of these Terms.
Links to Third Parties
This web site may contain links to other web sites operated by Participating Lenders or other third parties. Such links are provided for your convenience and reference only. Efinancequotes.com does not operate or control in any respect any information, software, products or services available on such third party sites. Efinancequotes.com’s inclusion of a link to a web site does not imply any endorsement of the services or the site, its contents, or its sponsoring organization.
Intellectual Property Rights
Efinancequotes.com’s names, graphics, logos, page headers, button icons, scripts, and service names are trademarks of Efinancequotes.com (collectively the “Proprietary Marks”). You may not use the Proprietary Marks without the prior express written permission of Efinancequotes.com. Any third-party names, trademarks, and service marks are property of their respective owners.
All users of this website consent that, any controversy or claim arising out of or relating to the use of the website, to the goods or services provided by Efinancequotes.com, or to any acts or omission for which you may contend Efinancequotes.com is liable, including but not limited to any dispute, controversy or claim (“Dispute”), will be settled finally and exclusively by binding arbitration in accordance with the commercial arbitration rules of the American Arbitration Association in effect at that time. The arbitration will be conducted in Broward County, Florida and judgment on the arbitration award may be entered into any court of competent jurisdiction in Florida. No arbitrator shall have the power to award damages in connected with any Dispute in excess of actual compensatory damages and shall not multiply actual damages or award consequential, punitive or exemplary damages, and each party irrevocably waives any claim thereto. The agreement to arbitrate shall not be construed as an agreement to the joinder or consolidation of any arbitration under this agreement with an arbitration of disputes or claims of any non-party, regardless of the nature of the issues of disputes involved.
THESE TERMS PROVIDE THAT ALL DISPUTES BETWEEN YOU AND EFINANCEQUOTES.COM WILL BE RESOLVED BY BINDING ARBITRATION AND YOU GIVE UP YOUR RIGHT TO GO TO COURT TO ASSERT OR DEFEND YOUR RIGHTS. YOU ALSO GIVE UP YOUR RIGHT TO PARTICIPATE IN OR BRING CLASS ACTIONS. YOUR RIGHTS WILL BE DETERMINED BY NEUTRAL ARBITRATORS AND NOT A JUDGE OR JURY. BY USING EFINANCEQUOTES.COM’S SERVICE, YOU CONSENT TO THESE RESTRICTIONS.
In the event the arbitration provisions herein become inapplicable or unenforceable, or in any instance of any lawsuit between you and Efinancequotes.com, you agree that jurisdiction over and venue of any suit shall be exclusively in the state and federal courts sitting in Florida. 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 Quotebound.com’s services must be filed within one (1) year after such claim or cause of action arose or be forever barred.
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