Terms of Use
thelendingpanda.com doing business as
thelendingpanda.com (“
thelendingpanda.com” or “we” or “our”), owns and operates the website located at
thelendingpanda.com (the “Site”).
thelendingpanda.com provides and maintains this Site for your information, conditioned on your acceptance, without
modification, of the terms, conditions and notices contained in these Terms of Use and in our Privacy Policy. By accessing
and using the Site, you accept and agree without limitation to the following:
Products and Services
thelendingpanda.com is not a lender and is not responsible for any lending product advertised or offered to you,
or for any credit decisions made about you. No specific loan products are offered to you on this Site. Specific loan products
are offered to you directly by the lender.
Esign Consent
You agree that clicking “Get Cash Now” (or other such button you use to submit your loan request) acts as your electronic
signature. You further consent that we and any lender we share your request with can communicate with you electronically
and that any required disclosures may be provided to you electronically, including without limitation any notices of adverse
action that a lender is required send to you. You also confirm that you have the ability to access documents electronically,
including the ability to view and save PDF files.
Loan Inquiry Policy
thelendingpanda.com reserves the right to reject your inquiry at any time for any reason not prohibited by law.
thelendingpanda.com may require additional information or verification before your loan request is accepted. When
you submit your information through a form on our Site, you will be connected with a lender for further consideration based
on the lender’s policies and procedures. This does not mean your loan has been approved. Loan approval is solely the lender’s
decision.
thelendingpanda.com is not responsible for taking, approving or denying your loan request. By submitting your information,
you agree that if we cannot find a lender that can offer you the type of loan you initially requested, we will search our
network of lenders and lending partners to see if we can find other lenders and lending partners with different loan products
to help you.
Credit References
Participating lenders and lending partners may verify your social security number, driver’s license number or other federal
or state identification, as well as review your credit worthiness through national databases that may include Equifax,
Transunion, Experian and other credit bureaus. By submitting your information to us, you agree that lenders and lending
partners may obtain such credit reports and verify your information.
Restrictions
You must be 18 years or older and a legal resident of the United States to submit a loan request. You agree not to use this
Site for any illegal or inappropriate activities.
Compliance With Laws
You agree to comply with all applicable laws, statutes, ordinances and regulations regarding your use of this Site and your
acceptance or purchase of products or services through any of this Site’s third party vendors.
thelendingpanda.com may, in its sole discretion, report actual or perceived violations of law to law enforcement
or other authorities. If we become aware of any potential or suspected violation of these Terms of Use or our Privacy Policy,
we may (but are not obligated to) conduct an investigation to determine the nature and extent of the suspected violation
and the appropriate enforcement action to be taken. During such investigation, we may suspend services to any customer
being investigated and may delete data from our servers in order to prevent or minimize further violations. You agree to
cooperate fully with any such investigation. You acknowledge that violating the Terms of Use or Privacy Policy could subject
you to criminal or civil penalties.
Intellectual Property
The trademarks, titles, characters, trade names, graphics, designs and other properties, including all software, text and
images appearing on this Site is the intellectual property of
thelendingpanda.com, its licensees, or other third parties who have authorized use of such properties on the Site.
You have permission to view and make copies of documents, pages, images or other materials or content on this site for the
sole purposes of requesting a loan.
thelendingpanda.com reserves all other rights in this Site and its contents. You may not distribute, display, transmit
or disseminate any documents, pages, images, materials or content without our prior written consent. Nothing contained
on this Site should be construed as conferring any right or license to any trademark, copyright or other intellectual property
right.
Limitation of Liability and Disclaimer of Warranties
thelendingpanda.com uses commercially reasonable efforts to ensure that the information on this Site is accurate,
but accuracy is not guaranteed.
thelendingpanda.com makes no representations regarding your use of this Site or results that you may or may not obtain
through such use.
NEITHER
thelendingpanda.com NOR ANY OTHER PARTY INVOLVED IN CREATING, PRODUCING OR DELIVERING THIS SITE SHALL BE LIABLE FOR
ANY DIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL, INDIRECT OR PUNITIVE DAMAGES ARISING OUT OF YOUR ACCESS TO, OR USE OF,
THIS SITE. EVERYTHING ON THIS SITE IS PROVIDED “AS IS” AND WITHOUT WARRANTY OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING
BUT NOT LIMITED TO, ANY IMPLIED WARRANTY OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE OR NON-INFRINGEMENT. THESE
EXCLUSIONS AND LIMITATIONS ARE APPLIED TO THE FULLEST EXTENT PERMITTED BY LAW.
Third Party Content
This Site may contain links to websites maintained by third parties.
thelendingpanda.com is not responsible for the content or privacy policies of third party websites, and the existence
of such links should not be considered an endorsement or recommendation of those websites, the product or service offered
or any third parties associated with those websites.
Privacy
thelendingpanda.com’s Privacy Policy, which is incorporated herein by reference, is applicable to any data supplied
through this Site. The Privacy Policy sets out your rights and our responsibilities regarding your personal information.
thelendingpanda.com will not use your information in any way inconsistent with the purposes and limitations provided
in the Privacy Policy.
thelendingpanda.com reserves the right, in its sole discretion, to modify the Privacy Policy without prior notice
to you. Modifications to the Privacy Policy are effective when posted and your continued use of this Site signifies your
acceptance of such modifications.
Security
thelendingpanda.com uses industry-recognized technology to protect your personal information. Although
thelendingpanda.com takes commercially reasonable measures to secure your personal information submitted through
this Site,
thelendingpanda.com cannot guarantee that your information will not be intercepted or decrypted by others. So long
as
thelendingpanda.com uses commercially reasonable security measures, it accepts no responsibility for such interception
or decryption except as required by law.
Site Use
thelendingpanda.com does not charge you any fees for your use of this Site or our marketplace service.
thelendingpanda.com is not acting as an agent for (1) you, (2) any lender or (3) any supplier or vendor used in the
evaluation of your loan inquiry or other use of this Site.
thelendingpanda.com may receive compensation from lenders and lending partners and other third parties for its services.
Law and Venue
This Site is owned and operated by [Add your company here]. By using or engaging with this Site in any way, you consent to the laws and jurisdiction of the State of Nevada. These Terms of Use and the and Privacy Policy also will be governed by and construed in accordance with the laws of Nevada, without regard to conflict of law principles. Any dispute arising out of or relating to these Terms of Use or the Privacy Policy or your use of the Site, including without limitation your loan request submission, shall be brought in the county or federal courts located in Nevada.
Arbitration
By using this Site, you agree that any dispute arising out of or relating in any way to these Terms of Use, the Privacy Policy or your use of the Site shall be submitted to binding arbitration in Nevada, except that to the extent you have in any manner violated or threatened to violate our intellectual property rights or those of a third party, we may seek injunctive or other appropriate relief in any state or federal court in the State of Nevada. You consent to exclusive jurisdiction and venue in the state and federal courts sitting in Nevada. Arbitration under this agreement shall be conducted under the rules then prevailing of the American Arbitration Association. The arbitrator’s award shall be binding and may be entered as a judgment in any court of competent jurisdiction. To the fullest extent permitted by applicable law, no arbitration under this agreement shall be joined to an arbitration involving any other party subject to this agreement, whether through class arbitration proceedings or otherwise.
Miscellaneous Provisions
These Terms of Use and the Privacy Policy constitute the entire agreement between you and us with regard to the Site. If any provision of these Terms of Use or the Privacy Policy is found by a court of competent jurisdiction to be invalid, the parties nevertheless agree that the court should endeavor to give effect to the parties' intentions as reflected in the provision, and the other provisions of the Terms of Use and the Privacy Policy remain in full force and effect. The headings in the Terms of Use and Privacy Policy are for convenience only and have no legal or contractual effect. A printed version of this agreement and of any notice given in electronic form shall be admissible in judicial or administrative proceedings based upon or relating to this agreement to the same extent and subject to the same conditions as other business documents and records originally generated and maintained in printed form. These Terms of Use and the Privacy Policy