WELCOME TO SpotLightLoans (REFERRED TO AS "SpotLightLoans", "WEBSITE", "SITE", "WE", "US", OR "OUR"). ACCESS TO AND USE OF THIS SITE IS PROVIDED SUBJECT TO THE FOLLOWING TERMS AND CONDITIONS:
PLEASE READ THIS TERMS OF SERVICE AND USE AGREEMENT ("AGREEMENT") CAREFULLY. YOUR USE OF THIS SITE, THE PRODUCTS, AND SERVICES PROVIDED THROUGH OR IN CONNECTION WITH SpotLightLoans CONSTITUTES ACCEPTANCE OF THIS AGREEMENT.
BY ACCESSING OR USING ANY PART OF THE Website OR ITS PRODUCTS AND SERVICES (COLLECTIVELY, "SERVICES" OR "SERVICE"), YOU ACCEPT, WITHOUT LIMITATION OR QUALIFICATION, THESE TERMS OF SERVICE. IF YOU DO NOT AGREE TO THE ALL OF TERMS AND CONDITIONS OF THIS AGREEMENT, YOU SHOULD IMMEDIATELY CEASE ALL USAGE OF THIS Website OR THESE PRODUCTS AND SERVICES.
WE RESERVE THE RIGHT, AT ANY TIME, TO MODIFY, ALTER, OR UPDATE THE TERMS AND CONDITIONS OF THIS AGREEMENT WITHOUT PRIOR NOTICE. MODIFICATIONS SHALL BECOME EFFECTIVE IMMEDIATELY UPON BEING POSTED AT ON THIS SITE. YOUR CONTINUED USE OF THE SERVICE AFTER AMENDMENTS ARE POSTED CONSTITUTES AN ACKNOWLEDGEMENT AND ACCEPTANCE OF THE AGREEMENT AND ITS MODIFICATIONS. EXCEPT AS PROVIDED IN THIS PARAGRAPH, THIS AGREEMENT MAY NOT BE AMENDED
SpotLightLoans and its affiliates, business partners, and/or licensors provide a service that allows you to input your information once and receive quotes or calls from one or more people/organizations. You understand and agree that if you request a product or service, such as a loan, or any other service relating to finance offered through the Service, SpotLightLoans will share your information with certain business partners and/or unrelated third-party companies to process and fulfill your request.
You further agree that by submitting information to SpotLightLoans, you consent to allow business partners and third-party companies to contact you by telephone, email or mail, even if you have opted into the National Do Not Call List administered by the Federal Trade Commission, any state equivalent Do Not Call List, the internal Do Not Call List of a company or any other Do Not Call List.
You understand that SpotLightLoans business partners and unrelated third-party companies may maintain the information you submitted to SpotLightLoans whether you elect to use their services or not. In the event you no longer want to receive communications from such a company, you agree to notify them directly.
SpotLightLoans does not provide any type of loan, financing, credit card services, or financial services or advice. SpotLightLoans and its affiliates, business partners, and/or licensors help you locate unrelated third-party financial companies and service providers. SpotLightLoans makes no representations or warranties concerning the qualifications or performance of these third-party companies. The information and locator services provided by SpotLightLoans may not be suitable for your needs. Each service provider has its own eligibility requirements, terms and conditions, and fees for their services. Not all services are provided in all states.
By installing, accessing, and using this Website, you represent that you are at least eighteen (18) years of age and will, at all times, provide true, accurate, current, and complete information when submitting information or materials on this Website, including, without limitation, when you use Services provided. If you provide any false, inaccurate, untrue, or incomplete information, SpotLightLoans reserves the right to terminate your access and use of this Website. In addition, you agree to abide by all applicable local, state, national, and international laws and regulations with respect to your use of this Website and agree not to interfere with the use and enjoyment of this Website by other users and SpotLightLoans's operation or management of this Website. Moreover, you agree not to impersonate any other person or entity, whether actual or fictitious, including impersonating an employee or representative of SpotLightLoans, when using this Website.
SpotLightLoans makes no warranties or representations whatsoever with regard to any product or service provided or offered by any third-party company, and you acknowledge that any reliance on representations and warranties provided by any third-party company shall be at your own risk.
SpotLightLoans does not provide any type of loan, financing, credit card services, or financial services or advice. SpotLightLoansand its affiliates, business partners, and/or licensors help you locate unrelated third-party financial companies and service providers. SpotLightLoans makes no representations or warranties concerning the qualifications or performance of these third-party companies. The information and locator services provided by SpotLightLoans may not be suitable for your needs. Each service provider has its own eligibility requirements, terms and conditions, and fees for their services. Not all services are provided in all states.
All programs, software, products, information, documentation, and information contained on or available through the Website, unless otherwise indicated, are protected by law including, but not limited to, United States copyright, trade secret, patent, and trademark law, as well as other state, national, and international laws and regulations. Except as expressly provided herein, SpotLightLoans does not grant any express or implied right to you or any other person under any intellectual or proprietary rights. Accordingly, unauthorized use of this Website may violate intellectual property or other proprietary rights laws as well as other laws, regulations, and statutes.
This Website is Copyright © 2018 Ya Solutions Inc and/or its licensors. All rights reserved. SpotLightLoans also owns a copyright in the contents of the Website as collective work and/or compilation and in the selection, coordination, arrangement, and enhancement of the content of this Website. Any software and other downloadable or printable programs, information, video or materials available through this Website and all copyrights, trade secrets, and know-how related thereto, unless otherwise indicated, are owned by SpotLightLoans.
This Website is provided by Ya Solutions Inc. This Agreement provides you, a User, with a personal, revocable, limited, non-exclusive, nontransferable license to use this Website conditioned on your continued compliance with the terms and conditions of this Agreement. You may print and download materials and information from this Website solely for your personal use, provided that all hard copies contain all copyright and other applicable notices contained in such materials and information. This Agreement is a license and not an assignment or sale. Any rights granted hereby are licensed and not sold or otherwise transferred to you. You expressly acknowledge and agree that SpotLightLoans transfers no ownership or intellectual property interest in and to the Website to you or anyone else.
Notwithstanding the foregoing, you may not modify, alter, translate, decompile, create derivative work(s), copy, distribute, disassemble, broadcast, transmit, reproduce, publish, remove or alter any proprietary notices or labels, license, transfer, sell, mirror, frame, exploit, rent, lease, grant a security interest in, transfer any right(s) in, or otherwise use in any manner not expressly permitted herein the Website.
WITHOUT LIMITING THE GENERALITY OF THE FOREGOING, COPYING OR REPRODUCING ANY SERVICES, PROGRAMS, PRODUCTS, OR MATERIALS PROVIDED BY SpotLightLoans TO ANY OTHER SERVER OR LOCATION FOR FURTHER REPRODUCTION OR REDISTRIBUTION IS EXPRESSLY PROHIBITED.
Actual or attempted unauthorized use of the Website may result in criminal and/or civil prosecution. SpotLightLoans reserves the right to view, monitor, and record activity on the Website without notice or permission from you. Any information obtained by monitoring, reviewing, or recording is subject to review by law enforcement organizations in connection with investigation or prosecution of possible criminal activity on the Website. SpotLightLoans will also comply with all court orders involving requests for such information.
You acknowledge, consent and agree that SpotLightLoans may access, preserve, and disclose the information we collect about you if required to do so by law or in good faith belief that such access preservation or disclosure is reasonably necessary to: (i) comply with legal process and respond to governmental investigations; (ii) enforce the Agreement; (iii) respond to claims that any information, services, or content violated the rights of the third parties; (iv) respond to your requests for customer service; or (v) protect the rights, property, or personal safety of SpotLightLoans, its users and the public.
SpotLightLoans DOES NOT EVALUATE ANY COMPANY, ORGANIZATION, OR INDIVIDUAL, OR THEIR RESPECTIVE OFFERS, THAT ARE ACCESSIBLE THROUGH THIS Website. WE MAKE NO EXPRESS OR IMPLIED WARRANTIES OR REPRESENTATIONS OF ANY KIND WHATSOEVER, NOR ARE WE LIABLE FOR DIRECT, INDIRECT OR CONSEQUENTIAL DAMAGES ARISING IN CONNECTION WITH RESPECT TO THE CONTENT OF THE SERVICE, THE Website, PROGRAMS, THIRD-PARTY COMPANIES, SERVICES OR ANY PRODUCTS ACCESSED THROUGH THIS Website. ANY FINANCIAL OR OTHER RELATIONSHIP ENTERED INTO BETWEEN YOU AND ANY THIRD-PARTY THAT AROSE FROM INFORMATION RECEIVED OR ACCESSED THROUGH THIS Website OR SpotLightLoans IS SOLELY BETWEEN YOU AND THE THIRD-PARTY. SpotLightLoans IS NOT A PARTY TO YOUR AGREEMENTS AND YOU ASSUME SOLE LIABILITY FOR ANY SUCH AGREEMENTS.
THE Website, INCLUDING ALL CONTENT AND SERVICES MADE AVAILABLE ON OR ACCESSED THROUGH THE Website, IS PROVIDED ON AN "AS IS" AND ON AN "AS AVAILABLE" BASIS. TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, SpotLightLoans MAKES NO REPRESENTATIONS OR WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING, WITHOUT LIMITATION, NON-INFRINGEMENT, TITLE, MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE. SpotLightLoans DOES NOT WARRANT THAT THE FUNCTIONS CONTAINED IN THE Website OR SERVICES OR ANY MATERIALS OR CONTENT CONTAINED THEREIN WILL BE UNINTERRUPTED OR ERROR-FREE, THAT DEFECTS WILL BE CORRECTED, OR THAT THE Website OR THE SERVER THAT MAKES IT AVAILABLE IS FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS.
SpotLightLoans SHALL NOT BE LIABLE FOR THE USE OF THIS Website, INCLUDING ALL CONTENT AND SERVICES MADE AVAILABLE ON OR ACCESSED THROUGH THE Website, OR FOR ANY DAMAGES WHATSOEVER, INCLUDING, WITHOUT LIMITATION, THE CONTENT AND ANY ERRORS CONTAINED THEREIN.
IN NO EVENT WILL SpotLightLoans BE LIABLE FOR ANY SPECIAL, INDIRECT, CONSEQUENTIAL, OR INCIDENTAL DAMAGES, OR DAMAGES FOR LOST PROFITS, LOST DATA, LOSS OF OPPORTUNITIES, COSTS OF COVER, LOSS OF REVENUE, LOSS OF USE, EXEMPLARY, PUNITIVE, PERSONAL INJURY/WRONGFUL DEATH, SPECIAL, INCIDENTAL, INDIRECT OR OTHER CONSEQUENTIAL DAMAGES, ARISING OUT OF OR RELATED TO THIS Website, ITS SERVICES, OR THE INFORMATION CONTAINED IN IT, WHETHER SUCH DAMAGES ARISE IN CONTRACT, NEGLIGENCE, TORT, UNDER STATUTE, IN EQUITY, AT LAW, OR OTHERWISE, EACH OF WHICH IS HEREBY EXCLUDED BY AGREEMENT OF THE PARTIES WHETHER OR NOT EITHER PARTY HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.
Because some states/jurisdictions do not allow the exclusion or limitation of liability for consequential or incidental damages, the above limitation may not apply. Notwithstanding the foregoing, total liability for SpotLightLoans for any reason whatsoever related to use of this site shall not exceed the total amount paid by you to SpotLightLoans in connection with the subject matter of the particular dispute.
You agree to indemnify and hold SpotLightLoans, its affiliates and all of their employees, agents, directors, officers, proprietors, partners, representatives, shareholders, servants, attorneys, predecessors, successors, and assigns harmless from any claim or demand, including reasonable attorneys' fees and costs, made by any third-party due to or arising from your use of the SpotLightLoans services or connection to the SpotLightLoans Website or your violation of this Agreement, or arising from your violation of any rights of a third-party, or other user of the Service using your computer, or of any intellectual property or any other right of any person or entity.
SpotLightLoans reserves the right to modify or discontinue the Service or site with or without notice to you. SpotLightLoans shall not be liable to you or any third-party should SpotLightLoans exercise its right to modify or discontinue the Service. You acknowledge and accept that SpotLightLoans does not guarantee continuous, uninterrupted or secure access to the site, services, or third-party companies, and operation of our site may be interfered with or adversely affected by numerous factors or circumstances outside of our control.
Use of the Internet and SpotLightLoans is solely at your own risk and is subject to all applicable local, state, national, and international laws and regulations. While SpotLightLoans has endeavored to create a secure and reliable site, you should understand that the confidentiality of any communication or material transmitted to/from the site over the Internet or other global communication networks cannot be guaranteed. Moreover, you understand that the technical processing and transmission of SpotLightLoans may involve transmission over various networks. Accordingly, SpotLightLoans is not responsible for the security of any information transmitted via the Internet, the accuracy of the information contained on SpotLightLoans, or for the consequences of any reliance on such information. Moreover, you agree to assume all risk and liability arising from your use of SpotLightLoans, including the risk of a breach in the security of SpotLightLoans. You assume the sole and complete risk for using SpotLightLoans.
Actual or attempted unauthorized use of the site may result in criminal and/or civil prosecution. SpotLightLoans reserves the right to view, monitor, and record activity on the Site without notice or permission from you. Any information obtained by monitoring, reviewing, or recording is subject to review by law enforcement organizations in connection with investigation or prosecution of possible criminal activity on the Website. SpotLightLoans will also comply with all court orders involving requests for such information.
You must use your best judgment and reasonable caution in evaluating all third-party postings or other content on the Website. SpotLightLoans does not endorse, oppose, or edit any opinion or information provided by a user or third-party, with the exception of removing temporarily or deleting what appears to be potentially unlawful content or content otherwise prohibited under this policy. SpotLightLoans does not make any representation with respect to, nor does it endorse the accuracy, completeness, timeliness, or reliability of any advice, opinion, statement, or other material displayed, uploaded, distributed by any user of, or third-party contributing materials to, this Website. SpotLightLoans expressly disclaims all responsibility and liability for such postings, information, and materials.
The purpose of this Website and the services, programs, software, products, materials, and information available through it is to help you find a loan from prospective lending partners participating in our direct network of lending partners ("participating lending partners"). By submitting information, content, and materials to a forum or other portion of this Website or by otherwise using the Website to transmit information, content, and materials, you automatically grant SpotLightLoans a royalty-free, perpetual, irrevocable, non-exclusive right and license to use, reproduce, modify, adapt, publish, translate, create derivative works from, distribute, redistribute, transmit, perform, and display such information, content, and materials (in whole or in part) worldwide and/or to incorporate into other works in any form, media, or technology now known or later developed for the full term of any rights that may exist in such information, content, and materials. Notwithstanding this right and license, it is understood that by merely permitting your information, content, and materials to appear on this Website, SpotLightLoans has not become and is not a publisher of such information, content, and materials.
SpotLightLoans welcomes your feedback and suggestions about how to improve this site. By transmitting any suggestions, information, material, or other content (collectively, "feedback") to SpotLightLoans, you represent and warrant that such feedback does not infringe the intellectual property or proprietary rights of any third-party (including, without limitation, patents, copyrights, or trademark rights) and that you have all rights necessary to convey such feedback to SpotLightLoans. In addition, any feedback received through this site will be deemed to include a royalty-free, perpetual, irrevocable, transferable, non-exclusive right and license for SpotLightLoans to adopt, publish, reproduce, disseminate, transmit, distribute, copy, use, create derivative works, and display (in whole or in part) worldwide, or act on such feedback without additional approval or consideration, in any form, media, or technology now known or later developed for the full term of any rights that may exist in such content, and you hereby waive any claim to the contrary.
SpotLightLoans assumes no responsibility for the deletion of or failure to store any message.
SpotLightLoans, in its sole discretion, may post the advertisements of third parties on this Website and/or feature materials, programs, products, and services provided by third parties. SpotLightLoans makes no representations with respect to, nor does it guarantee or endorse, the quality, non-infringement, accuracy, completeness, timeliness, reliability, or correct sequencing of such third-party materials, programs, products, and services or any other materials, programs, products, and services which such third-party materials, products, and services may access. Your correspondence or any other dealings with third parties found on this Website are solely between you and such third-party. SpotLightLoans expressly disclaims responsibility and liability for all third-party provided materials, programs, products, and services contained on or accessed through this Website, and you agree that SpotLightLoans shall not be responsible for any loss or damage of any sort incurred as a result of any such dealings or as the result of the presence of such third parties on this Website.
Our Website may provide links to other sites on the Internet that are owned and operated by online merchants and other third-parties. The linked sites are not under the control of SpotLightLoans and you acknowledge that we are not responsible for the availability of, or the content located on or through, any third-party site. Accordingly, SpotLightLoans expressly disclaims any responsibility for the content, materials, accuracy of information, and/or quality of the products or services provided by, available through, or advertised on these third-party websites. Moreover, these links do not imply an endorsement with respect to any third-party or any Website or the products or services provided by any third-party. You should contact the site administrator or webmaster for those third-party sites if you have any concerns regarding such links or the content located on such sites. Your use of those third-party sites is subject to the terms of use and privacy policies of each site, and we are not responsible therein. We encourage all you to review the terms of service and privacy policies of third-parties' sites.
You acknowledge that SpotLightLoans retains the right, at our sole discretion, to terminate access to this site at any time. SpotLightLoans further retains the right to terminate access any accounts involved with botnets and related activities. If any hostnames are used as command and control points for botnets, SpotLightLoans reserves the right to direct the involved hostnames to a honeypot, loopback address, logging facility, or any other destination at our discretion. You agree that you will not use any robot, spider, or other automatic devices, or manual process to monitor or copy our web pages or the content contained therein without prior written permission of an authorized officer of SpotLightLoans.
You expressly absolve and release SpotLightLoans from any claim of harm resulting from a cause SpotLightLoans's control, including, but not limited to, the performance of third-party service providers, failure of electronic or mechanical equipment or communication lines, telephone or other interconnect problems, computer viruses, unauthorized access, theft, operator errors, severe weather, earthquakes, or natural disasters, strikes, or other labor problems, wars, or governmental restrictions.
SpotLightLoans considers your personal identifying information to be private and operates this Website by keeping any collected personal identifying information confidential. Nevertheless, you understand, acknowledge, and agree that the operation of this Website requires the submission, use, and dissemination of various personal identifying information. Accordingly, your use of this Website constitutes acceptance of SpotLightLoans's personal identifying information collection and use practices. Please see SpotLightLoans's Privacy Policy for a summary of SpotLightLoans's personal identifying information collection and use practices.
This Agreement has been made in and will be construed and enforced in accordance with the laws of the state of New York as applied to agreements entered into and completely performed in New York, without regard to conflict of law principles.
ANY CLAIM OR DISPUTE RELATING IN ANY WAY TO YOUR USE OF THE SITE OR THESE TERMS OF USE SHALL BE SUBMITTED TO CONFIDENTIAL ARBITRATION, except that either party may seek interim relief from any state or federal court in the party's state of residence to protect the party's intellectual property rights. ARBITRATION WOULD REMOVE YOUR RIGHT TO LITIGATE A CLAIM IN COURT OR TO HAVE A JURY TRIAL ON THAT CLAIM. OTHER RIGHTS THAT YOU WOULD HAVE IN COURT MAY NOT BE AVAILABLE IN ARBITRATION. IT IS IMPORTANT THAT YOU READ THIS PROVISION CAREFULLY BEFORE ACCEPTING THESE TERMS OF USE. The arbitration will be administered by the American Arbitration Association ("AAA") under its then-current arbitration rules. If any AAA rule conflicts with these Terms of Use, these Terms of Use shall control. You can obtain procedures, rules, and fee information from the AAA at www.adr.org or 1-800-778-7879. Any participatory arbitration hearing that you attend shall take place in New York City, New York. New York state law will apply during the Arbitration. The judgment upon the award rendered by the arbitrator shall be final and binding and may be entered in any court having jurisdiction. Unless inconsistent with applicable law, each party shall bear the expense of their respective attorneys', experts' and witness fees, regardless of which party prevails in the arbitration.
TO THE EXTENT ALLOWED BY LAW, WE EACH WAIVE ANY RIGHT TO PURSUE DISPUTES ON A CONSOLIDATED OR CLASSWIDE 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 UNDERSTAND THAT BY AGREEING TO THIS CLASS ACTION WAIVER, YOU MAY ONLY BRING CLAIMS AGAINST COMPANY IN AN INDIVIDUAL CAPACITY AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS ACTION OR REPRESENTATIVE PROCEEDING.
This Agreement will take effect at the time you begin installing, accessing, or using this Website, whichever is earliest. SpotLightLoans reserves the right at any time and for any reason to deny you access to the Website or to any portion thereof and to terminate this Agreement. This Agreement will terminate automatically if you fail to comply with the limitations described herein. Termination will be effective without notice. You may terminate at any time by ceasing to use the Website, but all applicable provisions of this Agreement will survive termination, as outlined below. Upon termination, you must destroy all copies of any aspect of the Website in your possession.
The provisions concerning Consent to be Contacted, Proprietary and Intellectual Property Rights, Events beyond SpotLightLoans's Control, Confidentiality, Indemnity, Representations and Warranties, Disclaimer of Warranty; Limitation of Liability, Availability of Records, Admissibility of this Agreement, Termination, Statute of Limitations, and Governing Law will survive the termination of this agreement for any reason.
Failure to insist on strict performance of any of the terms and conditions of this Agreement will not operate as a waiver of any subsequent default or failure of performance. No waiver by SpotLightLoans of any right under this Agreement will be deemed to be either a waiver of any other right or provision or a waiver of that same right or provision at any other time.
A printed version of this Agreement and of any related 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.
If any part of this Agreement is determined to be invalid or unenforceable pursuant to applicable law including, but not limited to, the warranty disclaimers and the liability limitations set forth above, then the invalid or unenforceable provision will be deemed superseded by a valid, enforceable provision that most clearly matches the intent of the original provision and the remainder of this Agreement shall continue in effect.
No joint venture, partnership, employment, or agency relationship exists between you and SpotLightLoans as result of this Agreement or your utilization of this Website.
Any rights not expressly granted by SpotLightLoans herein are reserved.
This Agreement, SpotLightLoans's Privacy Policy and any related or associated service and product or software license agreements, which are all hereby incorporated by reference as if set forth fully herein, represents the entire agreement between you and SpotLightLoans with respect to use of this Website, and it supersedes all prior or contemporaneous communications and proposals, whether electronic, oral, or written between you and SpotLightLoans with respect to this Website.
Please note that SpotLightLoans reserves the right to change the terms and conditions of this Agreement and under which this Website and its many offerings are extended to you. In addition, SpotLightLoans may add or delete any aspect of this Website. Your continued use of this Website will be conclusively deemed acceptance of any change to this Agreement or the Website.
If you have questions regarding this Website or if you are interested in obtaining more information concerning SpotLightLoans please contact us at spotlightloans@yasolutionsinc.com. Please contact your third-party service providers for any questions about their products or services..
YOU AGREE THAT REGARDLESS OF ANY STATUTE OR LAW TO THE CONTRARY, ANY CLAIM OR CAUSE OF ACTION ARISING OUT OF OR RELATED TO THE USE OF THE SERVICE OR THIS AGREEMENT MUST BE FILED WITHIN ONE (1) YEAR AFTER SUCH CLAIM OR CAUSE OF ACTION AROSE OR BE FOREVER BARRED.
Additional notices, terms, and conditions may apply to the purchase of goods, participation in a particular program, and/or to specific portions or features of the Website, all of which are made a part of this Agreement by this reference. You agree to abide by such other notices, terms, and conditions, including where applicable representing that you are of sufficient legal age to acquire a product and/or use or participate in a program, service, or feature. If there is a conflict between this Agreement and the terms posted for or applicable to a specific portion of the Website, including any areas to enable the online purchase of items or for any program or service offered on or through the Website, the latter terms shall control with respect to your use of that portion of the Website. SpotLightLoans's obligations, if any, with respect to its services, programs, and/or products are governed solely by the terms, conditions, notices, and agreements pursuant to which they are provided, and nothing herein should be construed to alter such terms, conditions, notices, and agreements.
The operator of this website does not make any credit decisions. Independent, participating lending partners that you may be connected with may perform credit checks with credit reporting bureaus or obtain consumer reports to determine credit worthiness, credit standing and/or credit capacity. By submitting your information, you agree to allow participating lending partners to verify your information and check your credit. Loans provided by independent, participating lending partners in our network are designed to provide cash to you to be repaid within a fixed amount of time.
PLEASE PRINT AND RETAIN A COPY OF THIS AGREEMENT FOR YOUR RECORDS * * * * * *
Under California's "Shine the Light" law, California residents who provide Personal Information to the Website may request certain information regarding our disclosure of Personal Data to third parties for their direct marketing purposes. To make such a request, please contact our consumer support helpline via e-mail at spotlightloans@yasolutionsinc.com, or via regular mail at Suite 215, Abbey Plaza, 1500 Upper Middle Road West, Oakville, Ontario L6M 0C2, Canada. If you have questions or concerns about this Privacy Policy, you can contact us via e-mail at spotlightloans@yasolutionsinc.com. If we need, or are required, to contact you concerning any event that involves your information, we may do so by email, or mail.
If you have questions regarding this Website or if you are interested in obtaining more information concerning SpotLightLoans please contact us at spotlightloans@yasolutionsinc.com. Please contact your third-party service providers for any questions about their products or services..
This Privacy Policy covers SpotLightLoans, its subsidiaries, and any of its websites ("Websites"). This Privacy Policy is designed to tell you about our practices regarding collection, use, and disclosure of information that you may provide via this Website and certain related services. Please be sure to read this entire Privacy Policy before using, or submitting information, to this Website.
This Website is not intended for anyone under the age of eighteen (18) or persons residing outside of the United States. By accessing the Website on any computer, mobile phone, tablet, or other device (collectively, "Device"), you agree to the terms of this Privacy Policy. If you do not agree to the Policy, please do not use the Website.
We may modify this Privacy Policy at any time. If we decide to change this Privacy Policy, we will post those changes on our Website. We encourage you to periodically review our Privacy Policy to stay informed about how we are using the information we collect.
The main purpose of our Website is helping you to find a loan from prospective lending partners participating in our direct network of loan lending partners ("participating lending partners").
We collect personal information from you when you provide it to us, including by providing information to us to find you a loan, or when you contact us. This information may include, for example, name, date of birth, telephone number, mailing and home address, zip code, email address, social security number, bank account information, financial information, employment information, and driver's license number and state of issuance.
When you visit the Website, we may collect certain non-personal information from you, including your Internet Protocol (IP) address, the date and time of your visit, browser type, operating system, the specific web pages visited during your connection, and the domain name from which you accessed the Website. In addition, we may collect information about your browsing behavior, such as the date and time you visit the Website, the areas or pages of the Website that you visit, the amount of time you spend viewing the Website, the number of times you return to the Website and other clickstream data. We may also use non-personal information for statistical analysis, research, and other purposes.
Like many commercial websites, we analyze how visitors use our Site through what is known as "cookie" technology. A cookie is a small text file that is placed on your computer when you access the Site and allows us to recognize you each time you visit the Site. We may use cookies to: (1) enhance or personalize your Website usage; (2) monitor Website usage; (3) manage the Website; and (4) improve the Website and our services. If you choose, you can set your browser to reject cookies or you can manually delete individual or all of the cookies on your computer by following your browser's help file directions. However, if your browser is set to reject cookies or you manually delete cookies, you may have some trouble accessing and using some of the pages and features that are currently on our Website, or that we may put on our Website in the future.
We may also use web beacons on the Website, in our emails and in our advertisements on other websites. Web beacons are tiny graphic images that are used to collect information about your Site visit, such as the pages you view and the features you use, as well as information about whether you open and/or act upon one of our emails or advertisements. We may also collect the URL of the website you visited immediately before coming to the Website. Web beacons help us analyze our Website visitors' behavior and measure the effectiveness of the Website and our advertising. We may work with service providers that help us track, collect and analyze this information.
We may combine the non-personal information we collect, such as through cookies and web beacons, with other information we have collected from you.
We may use the information we collect from and about you for any of the following purposes: (1) to fulfill your request for solicitation purposes and connect you with a participating lender; (2) to respond to your inquiries; (3) to review Website usage and operations; (4) to address problems with the Website, our business or our services; (5) to protect the security or integrity of the Site and our business; (6) to monitor the Site for compliance with our Terms of Use and the law; (7) to enforce our contracts with you; and (8) to contact you with Website updates, newsletters and other informational and promotional materials from us and offers from participating lending partners, as well as from other companies.
If you do not wish to receive communications from us about offers and promotions, you can opt-out of receiving these communications by emailing us at spotlightloans@yasolutionsinc.com or by following the instructions in the messages you receive.
We may disclose information collected from and about you as follows: (1) to facilitate your request by sharing your personal information with participating lending partners so that they may contact you regarding a loan; (2) our related companies and service providers, to perform a business, professional or technical support function for us; (3) with consumer reporting and related agencies; (4) as necessary if we believe that there has been a violation of the Website Terms of Use or of our rights or the rights of any third-party; (5) to respond to legal process (such as a search warrant, subpoena or court order) and provide information to law enforcement agencies or in connection with an investigation on matters related to public safety, as permitted by law, or otherwise as required by law; and (6) in the event that our company or substantially all of its assets are acquired, your personal information may be one of the transferred assets. We may also disclose your personal information with your express consent. We may share aggregate, non-personal information about Website users with third parties.
Our participating third-party lending partners may verify, without limitation, your social security number and driver's license number, or any other qualifying identification and review your information against national databases to determine credit worthiness, standing and/or capacity. Please note that multiple inquiries on the three national databases (Equifax, Transunion and Experian) may result in a lowered credit score. By submitting your information you agree to allow third-party providers to verify your information and check your credit as described in their policies and terms.
We take reasonable and appropriate security precautions to secure the personal information that you choose to provide against the loss, misuse, alteration, or unauthorized access of such information. Unfortunately, no transmission of data over the Internet is guaranteed to be completely secure. While we strive to protect your personal information, we cannot ensure or warrant the security or confidentiality of any personal information you transmit to us.
We may partner with ad networks and other ad serving providers ("Advertising Providers") who serve ads on behalf of us and others on non-affiliated sites. Some of those ads may be personalized, meaning that they are intended to be relevant to you based on information Advertising Providers collect about your visits to this site and elsewhere over time. Our Advertising Providers use cookies to personalize advertisements that you may see on other websites.
Because an industry-standard Do-Not-Track protocol has not yet been established, we will not change your browsing experience based on any "Do Not Track" signals that may be sent by certain browsers or selected by you.
However, you can visit www.cookiecentral.com and http://www.aboutads.info to learn more about this type of advertising and how to opt-out of this form of advertising by companies participating in the Digital Advertising Alliance ("DAA") self-regulatory program. Note that electing to opt-out will not stop advertising from appearing in your browser or applications. It may make the ads you see less relevant to your interests. In addition, note that if you use a different browser or erase cookies from your browser, you may need to renew your opt-out choice. As each browser is different, please check the help section of your browser for instructions on how to remove cookies and learn about other privacy and security settings that may be available.
We do not direct the Website to, nor do we knowingly collect any personal information from, children under the age of thirteen.
The Website may contain links to third-party websites, including those for participating lending partners, which may have privacy policies that differ from our own. We are not responsible for, nor do we endorse, any of the activities and practices that take place on these sites. Accordingly, we recommend that you review the privacy policy posted on any external site before disclosing any personal information. Please contact those websites directly if you have any questions about their privacy policies.
Under California's "Shine the Light" law, California residents who provide Personal Information to the Website may request certain information regarding our disclosure of Personal Data to third parties for their direct marketing purposes. To make such a request, please contact our consumer support helpline via e-mail at spotlightloans@yasolutionsinc.com, or via regular mail at Suite 215, Abbey Plaza, 1500 Upper Middle Road West, Oakville, Ontario L6M 0C2, Canada
If we need, or are required, to contact you concerning any event that involves your information, we may do so by email, telephone, or mail. If you have questions or concerns about this Privacy Policy, you can contact us via e-mail at spotlightloans@yasolutionsinc.com. If we need, or are required, to contact you concerning any event that involves your information, we may do so by email, or mail.
PLEASE READ THIS INFORMATION CAREFULLY AND PRINT A COPY AND/OR RETAIN THIS INFORMATION FOR FUTURE REFERENCE.
Introduction. You are submitting a request to be connected with one of our third-party lending partners. In order to offer you a loan, the third-party lending partners need your consent to use and accept electronic signatures, records, and disclosures ("E-Consent"). This form notifies you of your rights when receiving electronic disclosures, notices, and information. By clicking on the link assenting to our terms, you acknowledge that you received this E-Consent and that you consent to conduct transactions using electronic signatures, electronic disclosures, electronic records, and electronic contract documents ("Disclosures").
Option for Paper or Non-Electronic Records. You may request any Disclosures in paper copy by contacting the third-party lender directly. The lending partners may provide paper copies at no charge. The lending partners will retain all Disclosures as applicable law requires.
Scope of Consent. This E-Consent applies to all interactions online concerning you and the third-party lender and includes those interactions engaged in on any mobile device, including phones, smart-phones, and tablets. By exercising this E-Consent, the third-party lender may process your information and interact during all online interactions with you electronically. The lender may also send you notices electronically related to its interactions and transactions. Disclosures may be provided online at our or third-party lending partners' websites, and may be provided by e-mail.
Consenting to Do Business Electronically. Before you decide to do business electronically with the third-party lending partners, you should consider whether you have the required hardware and software capabilities described below.
Hardware and Software Requirements. To access and retain the Disclosures electronically, you will need to use the following computer software and hardware: A PC or MAC compatible computer or other device capable of accessing the Internet, access to an e-mail account, and an Internet Browser software program that supports at least 128-bit encryption, such as Microsoft® Internet Explorer, Netscape® or Mozilla Firefox®. To read some documents, you may need a PDF file reader like Adobe® Acrobat Reader X ® or Foxit®. You will need a printer or a long-term storage device, such as your computer's disk drive, to retain a copy of the Disclosures for future reference. You may send any questions regarding the hardware and software requirements directly to the third-party lending partners.
Withdrawing Consent. Your E-Consent for our referral service and for our third-party lending partners' consideration of your referral request cannot be withdrawn because it is a one- time transaction. If you are connected with one or more third-party lending partners, you are free to withdraw your E-Consent with those third-party lending partners at any time and at no charge. However, if you withdraw this E-Consent before receiving credit, you may be prevented from obtaining credit from the lender. Contact the third-party lender directly if you wish to withdraw this E-Consent. If you decide to withdraw this E-Consent, the legal effectiveness, validity, and enforceability of prior electronic Disclosures will not be affected.
Change to Your Contact Information. You should keep third-party lending partners informed of any change in your electronic address or mailing address. You may update such information by logging into the third-party lending partners website or by sending the lender a written update by mail.
YOUR ABILITY TO ACCESS DISCLOSURES. BY CLICKING ON THE LINK, YOU ASSENT TO OUR TERMS. YOU ACKNOWLEDGE THAT YOU CAN ACCESS THE DISCLOSURES IN THE DESIGNATED FORMATS DESCRIBED ABOVE.
CONSENT. BY CLICKING ON THE LINK, YOU ASSENT TO THE TERMS. YOU ACKNOWLEDGE YOU HAVE READ THIS INFORMATION ABOUT ELECTRONIC SIGNATURES, RECORDS, DISCLOSURES, AND DOING BUSINESS ELECTRONICALLY. YOU CONSENT TO USING ELECTRONIC SIGNATURES, HAVING ALL DISCLOSURES PROVIDED OR MADE AVAILABLE TO YOU IN ELECTRONIC FORM AND TO DOING BUSINESS WITH THE LENDER ELECTRONICALLY. YOU ACKNOWLEDGE THAT YOU MAY REQUEST A PAPER COPY OF THE ELECTRONIC RECORDS AND DISCLOSURES, WHICH WILL BE PROVIDED TO YOU AT NO CHARGE. IF YOU REFRAIN FROM PROCEEDING THEN YOU NEITHER WISH TO USE ELECTRONIC SIGNATURES NOR CONDUCT THIS TRANSACTION ELECTRONICALLY. YOU ALSO ACKNOWLEDGE THAT YOUR CONSENT TO ELECTRONIC DISCLOSURES IS REQUIRED TO RECEIVE SERVICES FROM third-party LENDERS OVER THE INTERNET.
THE EXAMPLES PROVIDED BELOW ARE NOT REPRESENTATIVE OF ALL LOANS AVAILABLE THROUGH OUR LENDER NETWORK. EACH INDEPENDENT LENDER HAS THEIR OWN SET OF REQUIREMENTS. USE THE INFORMATION ONLY AS A GUIDE.
WITH PERSONAL SERVICE.