FastLoan.org Terms and Conditions of Use

Updated: 4/2/2014

TERMS OF SERVICE AND PRIVACY POLICY

PLEASE REVIEW THIS AGREEMENT CAREFULLY

BY USING THE SITE, YOU WILL BE ACKNOWLEDGING THAT YOU HAVE READ THIS AGREEMENT AND AGREED WITHOUT LIMITATION OR QUALIFICATION, TO BE LEGALLY BOUND BY THIS AGREEMENT AND THE TERMS OF THE COMPANY'S PRIVACY POLICY WHICH IS INCORPORATED HEREIN. IF YOU DO NOT AGREE TO THESE TERMS, DO NOT USE THIS WEB SITE.

TERMS OF SERVICE

FastLoan.org's service matches consumers with prospective lenders participating in FastLoan.org's network of independent third-party lenders ("lenders"). To use the service, you must complete one or more online forms that request specific information from you, including, but not limited to, your name, address, telephone number, email address, social security number, driver's license number, banking account information, and employment information. The collection and use of this information is subject to this site's Privacy Policy. In order to use this web site or the service, you must agree to these terms and conditions as well as the Privacy Policy, which are incorporated herein by reference.

By submitting the form(s) on FastLoan.org, we share your information with one or more participating lenders. By submitting the form, you understand and agree that you are submitting an inquiry about a loan product to www.fastloan.org and each of the participating lenders. By submitting the form, you are extending a request to www.fastloan.org and each of their 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 information 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 tracks consumer transactions with lending institutions. By submitting the form, you agree to allow participating lenders to review, verify, and research your information in such manner.

If a participating lender determines that your application meets its loan qualification criteria, the www.fastloan.org website will direct you to the lender's website. You understand and agree that, once you have been redirected to the lender's web site, www.fastloan.org has no further involvement. FastLoan.org is not a lender and has no involvement in the loan application or approval process. Your subsequent interactions with the lender are subject to privacy policy, terms of use, and other policies and/or terms enforced by that lender.

FastLoan.org is not a lender and does not make loans or credit decisions in connection with its loan matching service nor does it guarantee acceptance into any particular loan program or specific loan terms of conditions with any participating lender. FastLoan.org 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.

Moreover FastLoan.org does not endorse or recommend the products of any particular lender. FastLoan.org is not an agent of you or of any participating lender. FastLoan.org 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 www.fastloan.org shall not be liable for any damages or costs of any type arising out of or in any way connected with your use of the loan matching service. You understand that participating lenders may keep your application information, whether or not you are qualified for a loan with them.

FastLoan.org reserves the right to change any information, features and/or functions of the loan matching service without prior notice. FastLoan.org reserves the right to deny you access to all or part of the services without prior notice. It specifically disclaims any responsible for any errors or delays in providing the loan matching services caused by errors in any of the application information provided by you or by any technical problems beyond its control.

DISCLAIMERS AND LIMITATIONS

YOU EXPRESSLY UNDERSTAND AND AGREE THAT YOUR USE OF THE SERVICE IS AT YOUR SOLE RISK. THE SERVICE IS PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS. FASTLOAN.ORG AND ITS SUBSIDIARIES, DIRECTORS, OFFICERS, EMPLOYEES, STOCKHOLDERS AND LICENSORS EXPRESSLY DISCLAIM ALL REPRESENTATIONS, WARRANTIES, AND CONDITIONS OF ANY KIND, WHETHER EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, THE IMPLIED WARRANTIES OF MERCHANTABILITY, MERCHANTABLE QUALITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, TITLE, OR ANY WARRANTY OR CONDITION ARISING BY USAGE OF TRADE, COURSE OF DEALING, OR COURSE OF PERFORMANCE. FASTLOAN.ORG AND ITS AFFILIATES MAKE NO WARRANTY THAT (a) THE SERVICE WILL MEET YOUR REQUIREMENTS; (b) THE SERVICE WILL BE UNINTERRUPTED, TIMELY, SECURE, OR ERROR-FREE; AND (c) ANY DEFECTS IN THE OPERATION OR FUNCTIONALITY OF THE SERVICE OR RELATED SOFTWARE WILL BE CORRECTED.

YOU EXPRESSLY UNDERSTAND AND AGREE THAT FASTLOAN.ORG WILL NOT BE LIABLE TO YOU FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY OR PUNITIVE DAMAGES THAT MAY BE INCURRED BY YOU, HOWEVER CAUSED. THIS INCLUDES, BUT IS NOT LIMITED TO, ANY LOSS OF PROFITS, GOODWILL OR BUSINESS REPUTATION; ANY LOSS OF DATA; ANY COST OF PROCUREMENT OF SUBSTITUTE GOODS OR SERVICE; OR ANY OTHER INTANGIBLE LOSSES. THIS ALSO INCLUDES ANY LOSS OR DAMAGES THAT MAY BE INCURRED BY YOU AS A RESULT OF (a) ANY CHANGES THAT FASTLOAN.ORG MAY MAKE TO THE SERVICE; (b) ANY PERMANENT OR TEMPORARY CESSATION OF THE SERVICE; OR (c) THE DELETION OR CORRUPTION OF OR FAILURE TO STORE ANY CONTENT OR OTHER PROPERTY MAINTAINED THROUGH THE SERVICE. THE LIMITATIONS AND EXCLUSIONS OF LIABILITY ABOVE SHALL APPLY IRRESPECTIVE OF THE THEORY OF LIABILITY, INCLUDING CONTRACT (INCLUDING FUNDAMENTAL BREACH), WARRANTY, PRODUCT LIABILITY, STRICT LIABILITY, TORT (INCLUDING NEGLIGENCE) OR OTHER THEORY, EVEN IF WE (OR OUR AFFILIATES) HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

SOME JURISDICTIONS DO NOT PERMIT THE EXCLUSION OF CERTAIN WARRANTIES OR CONDITIONS OR THE LIMITATION OR EXCLUSION OF LIABILITY FOR CERTAIN DAMAGES. ACCORDINGLY, ONLY THE LIMITATIONS THAT ARE LAWFUL IN YOUR JURISDICTION WILL APPLY TO YOU AND, IN SUCH INSTANCES, FASTLOAN.ORG AND ITS AFFILIATES' LIABILITY WILL BE LIMITED ONLY TO THE MAXIMUM EXTENT PERMITTED BY LAW.

INDEMNITY

As a condition of using this website and the services offered you will indemnify and hold FastLoan.org harmless from and against any and all liabilities and costs (including reasonable attorneys' fees) incurred by FastLoan.org in connection with any claim arising out of your breach of the Agreement. FastLoan.org reserves the right, at its own expense, to assume the exclusive defense and control of any matter otherwise subject to indemnification by you.

GENERAL TERMS AND DISPUTE RESOLUTION

This Agreement is the whole legal agreement between you and FastLoan.org.

You agree that regardless of any statue or law to the contrary, any claim under this Agreement must be brought within one (1) year after the cause of action arises, or such claim or cause of action is forever barred.

THESE TERMS PROVIDE THAT ALL DISPUTES BETWEEN YOU AND THE COMPANY WILL BE RESOLVED BY BINDING ARBITRATION. THUS, 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 FASTLOAN.ORG'S SERVICES YOU CONSENT TO THESE RESTRICTIONS. IF YOU DO NOT AGREE TO THESE RESTRICTIONS, DO NOT ACCESS THEIR WEBSITE.

In the event the arbitration provisions herein become inapplicable or unenforceable, you agree that all matters relating to your access to or use of the Service, including all disputes, will be governed by the laws of the United States and by the laws of the State of Nevada. You agree to the personal jurisdiction by and venue in the State and Federal courts in Nevada, and waive any objection to such jurisdiction or venue.

If any portion of the Agreement is held to be invalid or unenforceable, such provision shall be stricken and the remainder of the Agreement enforced as written. If FastLoan.org does not exercise or enforce any legal right or remedy including those contained in the Agreement or arising under applicable law, this will not be taken to be a formal waiver of our rights. FastLoan.org may assign or delegate all rights and obligations under the Agreement, fully or partially.

PRIVACY POLICY

FastLoan.org respects your privacy and personal information. This privacy policy applies to information we receive when you use our website www.fastloan.org. This privacy policy is an agreement between www.fastloan.org and you, as the user of the website and service. This agreement governs what information we collect from you, how we might use that information, and the steps we take to ensure that your personal information is protected. We share your personal information only with your consent and as described in this policy.

We follow principles that are supported by the Federal Trade Commission's Fair Information Practices Principles, currently available at http://www.ftc.gov/reports/privacy3/fairinfo.htm.

This Privacy Policy is incorporated into and is subject to the Terms and Conditions pertaining to the use of the website. Your use of the website and any personal information you provide via the website or through other official Company contact remains subject to this Privacy Policy as well as the applicable Terms and Conditions for use of the site and services.

By providing us with your personal information on our website or in the course of using our services, you consent to the transfer of your Personal Data and Sensitive Personal Data, and any other data we acquire about you from third-party service providers.

AGREEMENT TO TERMS OF PRIVACY POLICY

Any use of the Service is purely voluntary. You are not required to provide any personal information to us unless you choose to access features on the Service which require such information. If you do not agree with the terms of this policy or other terms of use related to the Service, then you should immediately exit this website and discontinue using the site or any component of the Service. If you do not agree with the terms of our privacy policy and terms of use, please do not provide us with personal information and discontinue use of the Service. Fast Loan's terms of use are expressly incorporated into this policy by reference and made a part of this policy. By using the Service, you signify that you agree to the terms of this privacy policy as well as to our terms of use.

PERSONAL INFORMATION ABOUT YOU

You may be required to provide personal information to access or use certain parts or features of our service. For example, you will be asked to provide personally identifiable information before receiving a loan offer from one of our unaffiliated third-party providers. As part of our service, we may obtain and collect personally identifiable information provided by you, including, but not limited to, your name, email address, mailing address, social security number, telephone or cell phone number. If you choose to access our website and use our services we may require you to provide personal information as indicated on the forms throughout the site.

If you do not provide the requested personal information, you may not be able to access or use the particular service where such information is required.

GENERAL INFORMATION WE MAY COLLECT

There may be other instances in which we collect information from you that are general in nature ("general information"). Such information may include information recorded by our server logs from your browser such as your Internet Protocol (IP) address (which enables us to identify your computer or device on a Transmission Control Protocol/Internet Protocol (TCP/IP) network like the internet), and the specific webpage you requested. Such general information, including the click stream data and cookies, as mentioned below, may be collected from you whenever you access or use the www.fastloan.org Service, whether or not you provide us with any personal information.

When you use the Service we may collect "click stream data" (server address, domain name, etc.). We may use click stream data for traffic analysis or e-commerce analysis of our Service, to determine which features within the Service are most or least effective or useful to you.

A cookie is a small string of information that a website you visit transfers to your computer for identification purposes. Cookies can be used to follow your activity throughout the Service and that information helps us to understand your preferences and improve your experience. Cookies do not collect personal information from you, and we do not combine the general information collected through cookies with other personal information you may provide to personally identify you. You can turn off all cookies if you prefer not to receive them. You can also have your computer warn you whenever cookies are being used. Please refer to documentation provider with your web browser (e.g., Firefox, Safari, Chrome, or Internet Explorer) for information on enabling these options. There are also software products available that can manage cookies for you. Please be aware, however, that when you choose to reject cookies, this choice may limit the functionality of the websites you visit and you may lose access to some of their features.

USE AND SHARING OF INFORMATION

We may share your personally identifiable information (including, without limitation, your bank account information and social security number) with lenders participating in our lender network and other third parties with whom we have a business relationship. Those lenders and third parties may use your personally identifiable information to evaluate your qualifications to receive a loan or to communicate with you about other marketing or business offers via telephone, email, mail, or other channels. In addition, we may share some or all of your personally identifiable information with third party marketers and list managers with whom we have a business relationship.

We may disclose your personally identifiable information where we have reason to believe that disclosing the information is necessary to identify, contact, or bring legal action against someone who may be violating our policies as specified in the Privacy Policy or relevant Terms of Service, violating state or federal law, or causing injury to or interference with (either intentionally or unintentionally) our rights or property, other users of the Site, or anyone else that could be harmed by such activities. We may disclose your personally identifiable information when we believe that the law requires it (such as in response to a subpoena or similar investigative demand, a court order, or a request for cooperation from alaw enforcement or other government agency) and for administrative and other such purposes that we deem necessary to maintain and improve our services. In addition, in the event that all or substantially all of our stock and/or assets or transferred or sold to another entity, we may transfer personally identifiable information to the acquiring entity.

DATA SECURITY

To prevent unauthorized access and ensure the correct use of information, we have put in place the appropriate physical, electronic, and procedures to safeguard and secure the information we collect online.

The security of your personal information is important to us. We follow generally accepted industry standards to protect the personal information submitted to us, both during transmission and once we receive it. No method of transmission over the Internet, or method of electronic storage, is 100% secure, however. Therefore, we cannot guarantee its absolute security. When you enter sensitive information (such as a credit card number) on our order forms, we encrypt the transmission of that information using secure socket layer technology (SSL).

OPTING OUT OF EMAIL

You may opt out of receiving any emails from www.fastloan.org at any time and any such email you receive will contain a prominent "unsubscribe" link within the email message.

THIRD PARTIES

This website contains links to third party websites operated by participating lenders and other parties. This privacy policy does not apply to such third party websites. These links take you outside our service and off the www.fastloan.org website and are beyond our control. The sites those links can take you to have their own separate privacy policy and although we seek to protect the integrity of our service, we are not liable for the content and activities of those sites. Your use of third-party websites operated by participating lenders and other parties is at your own risk.

NO USE OF THIS SERVICE BY MINORS

Our service is intended only for those who are at least 18 years old or, if the age of majority in your state or province is greater than 18 years, such age of majority in your state or province. Personally identifiable information submitted by a minor violates the website terms of use and will not be accepted. Any general information provided by minor and gathered (for example, through the use of cookies) during his or her visit may be used as indicated in this privacy policy. We are committed to protecting the privacy of children and has no intention of collecting personal data from minors. We encourage parents and guardians of minors to regularly check and monitor their children's use of email and other activities online.

CALIFORNIA USER CONSUMER RIGHTS

In accordance with California Civil Code Sec. 1789.3, California resident users are entitled to know that they may file grievances and complaints with California Department of Consumer Affairs, 400 R Street, STE 1080, Sacramento, CA 95814; or by phone at 916-445-1254 or 800-952-5210; or by email to dca@dca.ca.gov. For more information about protecting your privacy, you may wish to visit: http://www.ftc.gov