Our Terms and Conditions
This page contains important information concerning our terms and conditions of your usage of the connecting platform sunshinerloans.com (hereinafter also referred to as ‘Company’, ‘we’, ‘us’, ‘website’, ‘site’, etc.). We encourage you to read it carefully and revisit this section once in a while because we have the right to modify and update the present Terms as we see fit. We also recommend that you read other sections of our website, such as the Privacy Policy that highlights our data management practices.
Please bear in mind that as soon as you start using sunshinerloans.com, you admit that you agree to our Terms and Privacy Policy and are ready to abide by them. If you disagree with these Terms of Use, do not access our website in the first place.
1. Usage Restrictions
Foreigners and minors cannot use our platform and we do not deliberately collect any data from them. To access our website, you must be at least 18 years, have a steady source of income, and be a legal resident of the United States.
2. What Services We Render
The purpose of sunshinerloans.com is to give you quick access to a network of trustworthy lenders. We are not lenders ourselves, we are a free-of-charge platform that allows you to submit a funding request and get connected with a financial provider. We do not lend money, we do not participate in your communication with a lender and we do not represent or promote the services of any particular lender. You are under no obligation to use our website, submit your personal details, or agree to a loan offer made by a third-party lender.
All the questions regarding your loan, agreement, fees, APR, and other conditions should be addressed to your lender as we ourselves are not involved in the lending process. We will not be liable for any damages, costs, or misunderstanding that may arise from the communication between you and your lender.
When you sign up, you acknowledge that you know our Terms of Use. You are aware that you need to enter some of your personal information to get access to our network of lenders. You understand that we may share this information with them and that they, in their turn, may also use it. Our policy of data management is clearly expressed in the section for Privacy Policy. By using sunshinerloans.com, you consent to our Privacy Policy. You also consent to use our website only for its direct purposes and in full accordance with our terms and the US legislation.
Note that some lenders may verify your personal information to see your eligibility. They may address national databases and credit reporting agencies with such requests. Some of these inquiries may affect your credit score.
3. Intellectual Property Rights
Our website, its logo, trademark, software, content, and other materials are protected by US copyright laws. By giving you access to our website we DO NOT delegate our intellectual property rights to you. Any reproduction, sale, copy, or other misuses of sunshinerloans.com without our written permission is a violation of our rights and will be treated as such.
4. Marketing Practices
The page for Marketing Practices explains our views on marketing and its principles. By accessing sunshinerloans.com, you confirm that you agree to our practices and that we and our third-party partners may reach out to you via contacts you specified.
5. Links Provided by Third Parties
When browsing our website, you may come upon links to third parties’ websites. All these links are given to you only as a reference. You click them on your own will. We do not manage those websites; therefore, we cannot be held accountable for their content, privacy policy, terms, and practices as their management is beyond our responsibility and control.
6. Dealing with Third Parties
You communicate and make deals with third parties at your own volition and risk, and we won’t be liable for these dealings and their outcomes.
7. Disclaimer of Warranties
THIS SITE AND THE SERVICES OFFERED ARE AVAILABLE “AS IS” AND ON THE BASIS OF THE STATED AVAILABILITY. THEY ARE ACCESSED AND USED AT YOUR OWN RISK AFTER UNDERSTANDING THE TERMS OF USE. THIS COMPANY MAKES NO WARRANTIES OR GUARANTEES WHATSOEVER WITH THE SERVICE OR ANY PRODUCT PRESENTED VIA THE SITE, AND THEY ARE SUBJECT TO CHANGE WITHOUT ANY PRIOR NOTIFICATIONS. ALSO, THE COMPANY DOES NOT GUARANTEE THAT ITS SERVICES WILL MEET YOUR REQUIREMENTS AT ANY GIVEN POINT IN TIME OR THAT THE SERVICES OFFERED BY THE COMPANY WILL BE UNINTERRUPTED, SECURE OR ERROR-FREE. THE SOFTWARE AND OTHER TECHNOLOGIES USED BY THE COMPANY MAY COME WITH ERRORS THAT WILL BE CORRECTED BY THE COMPANY WHEN POSSIBLE. THE COMPANY DOES NOT GUARANTEE THAT ANY THIRD PARTY SOFTWARE, WEBSITES AND TOOLS WILL BE SECURE OR ERROR-FREE. AS A RESULT, THE COMPANY WILL NOT ACCEPT ANY LIABILITY ARISING OUT OF SUCH ERRORS OR PROBLEMS. THIS COMPANY CARRIES NO RESPONSIBILITIES FOR THE LINKS OF THIRD-PARTY PROVIDERS AND FINANCIAL SERVICE PROVIDERS PRESENTED ON THE SITE. IT IS UP TO YOU TO VISIT THESE THIRD-PARTY LINKS AND ACCEPT THE PRODUCT OR SERVICES OFFERED BY THEM. BY VISITING SUCH LINKS, YOU FALL UNDER THE POWER OF THE TERMS AND CONDITIONS, WHICH GOVERN THE WEBSITES OR OTHER LOCATIONS YOU GET FOLLOWING THESE LINKS, SO YOU ARE AT YOUR OWN RISK AND THE COMPANY IS NOT LIABLE FOR ANY LOSSES ACCRUED TO YOU THROUGH SUCH ACTIONS.
8. Limitation of Liability
THE COMPANY IS NOT RESPONSIBLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, CONSEQUENTIAL OR ANY OTHER FORM OF LOSS OR DAMAGE, INCLUDING BUT NOT LIMITING THE LOSS OF PROFIT, DATA, OPPORTUNITIES, COSTS, PERSONAL INJURY/WRONGFUL DEATH AND OTHER FORMS OF DAMAGE, THAT YOU MAY BE SUBJECT TO DUE TO THE USAGE OF THE SITE OR ANY CONTENT OR SERVICE PRESENTED BY THE SITE.
SOME JURISDICTIONS DO NOT RECOGNIZE OR ALLOW THE EXCLUSION OF CERTAIN SPECIFIC WARRANTIES SUCH AS INCIDENTAL OR CONSEQUENTIAL DAMAGES. IN SUCH CASES, THE TOTAL LIABILITY OF THE COMPANY IN THE CASE OF SUCH LOSS OR DAMAGE RELATED TO THE USAGE OF THE SITE IS LIMITED TO THE EXTENT OF THE TOTAL AMOUNT PAID BY YOU TO THE COMPANY IN CONNECTION WITH THE SUBJECT MATTER OF THE PARTICULAR DISPUTE.
9. E-Consent
E-Consent is an electronic signature of yours. By clicking links like “Submit”, “I Agree”, “E-Sign”, “Consent”, etc., you give your electronic signature. You also consent that you are able to communicate with us and third parties electronically.
10. Disputes Solving and Class Action Waiver
ALL DISPUTES THAT MAY ARISE BETWEEN YOU AND sunshinerloans.com SHALL BE RESOLVED THROUGH ARBITRATION ONLY. BY ACCESSING sunshinerloans.com YOU ADMIT THAT YOU AGREE TO SOLVE ANY DISPUTE THROUGH ARBITRATION. YOU ALSO AGREE THAT TO WAIVE YOUR RIGHTS TO REPRESENT YOURSELF INDIVIDUALLY OR THROUGH LEGAL COUNSEL IN COURT.
11. Indemnification
If you choose to use sunshinerloans.com, you confirm that you agree to indemnify sunshinerloans.com and its parental company together with any subsidiaries and affiliates. You agree that we won’t be responsible for any damages, costs, and misunderstanding that may arise through your use of our website.
12. Violations
If you violate our Terms of Use, we reserve the right to terminate your account without notice and remove any content or materials you submitted to our website.
13. Severability
The provisions stated in the present Terms of Use won’t сease to be in force even if we don’t manage to fulfill one of their provisions. If one or several provisions of the Terms contradict the law, the remaining provisions will be valid and the contradicting ones will be severed.
14. Modifications and Updates
We encourage you to read this information carefully and revisit this section once in a while as we have the right to modify and update the present Terms as we see fit without prior notice. If some changes or updates take place, we may notify you about them by email or through an announcement posted on our website.
15. Force Majeure Event
You agree and fully understand that we carry no responsibilities for the damage, harm, events or the consequences of the events, which happen beyond our control, including but not limited to the events of the failure of mechanical equipment or communication, malicious online activity, errors, unauthorized access to the Site, natural disasters, strikes, wars and governmental restrictions.
16. Entire Agreement
The Terms of Use, Privacy Policies, Responsible Lending Policies, and Marketing Practices and relative regulative agreements laid down in this set of documents comprise the entire understanding of the provisions and agreements between you and us, and it supersedes any prior information or notices you may have received in this regard. Our failure to enforce any of these provisions will not mean a waiver of these provisions at any time.
We reserve our right to make amendments, delete, change, or modify any content of the website regarding which the agreement is made. If you continue to use the website, you automatically agree and accept these changes.
17. How You Can Contact Us
If there is something you would like to discuss with us, please, send us a message using our email [email protected].