PLEASE READ THIS AGREEMENT CAREFULLY BEFORE ACCESSING OUR WEB SITE. BY USING OUR WEB SITE, YOU ACKNOWLEDGE YOU HAVE READ THIS AGREEMENT AND YOU AGREE TO BE LEGALLY BOUND BY ALL THE TERMS AND CONDITIONS CONTAINED HEREIN.
1. General Terms
1.1 Use of This Website. You are authorized to use this website solely for your own non-commercial personal purposes.
1.3 Accuracy of Information. Cardealexpert.com uses reasonable efforts to include accurate and up-to-date information on its website, but makes no warranties or representations as to its accuracy.
3.1 Lending Disclaimer. THE OPERATOR OF THIS WEBSITE IS NOT A LENDER. Cardealexpert.com does not make loan or credit decisions. This website is intended only to match you with the best lender based on your application. Completion of an application on this website in no way guarantees that you will be approved for a loan. The operator of this website is not an agent or representative of any lender or other service provider, does not endorse any service or product, and has no association or involvement in any loan transaction at any time.
3.2 Not a Party to Loan Transactions. Cardealexpert.com does not own, transfer, or handle loan funds in any manner at any time, nor is it a signatory on any loan document at any time. Cardealexpert.com shall not be not be a party to any lending transaction entered into by you as a result of any application filled out by you on this website. All loan transactions are entirely between you and the lending entity. You should read your contract documents carefully and not proceed unless you are comfortable with the terms.
3.3 Actions of Third Parties. Cardealexpert.com is not responsible or liable for actions, decisions, or assessments, real or perceived, originating from any lending entity or any other third party. All loan contracts are strictly and exclusively between the lender and you. Cardealexpert.com is never a signatory of or a party to any loan contracts entered into by you and shall not be responsible for the performance deficiencies of any entities with whom you may contract.
3.4 Representations Made by Third Parties. Cardealexpert.com is not involved in any way in the validation of any statements, documents, or other materials provided by lending or funding entities. Cardealexpert.com has not performed any sort of background checks on any lending or funding entities with whom you may contract, and shall not be liable for any statements or representations made by any such entities.
3.5 Accuracy of Information. While Cardealexpert.com makes reasonable efforts to ensure the accuracy of the information contained in this website, Cardealexpert.com is not responsible for accurately depicting any loan programs offered by any lending or brokering entities.
3.6 Resolution of Issues. Resolution of any legal or tax issues which may arise in connection with any loans or other financing obtained by you, should be carried out by licensed attorneys, accountants, or other professional advisors retained by you for that purpose.
3.7 Disclaimer of Warranties. Neither Cardealexpert.com nor any other party involved in creating, producing, or delivering this website makes any representations or warranties whatsoever. EVERYTHING ON THIS WEBSITE IS PROVIDED TO YOU “AS IS” WITHOUT WARRANTY OF ANY KIND, EITHER EXPRESS OR IMPLIED. THIS INCLUDES, BUT IS NOT LIMITED TO, THE WARRANTIES OF TITLE OR IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE. YOU HEREBY ACKNOWLEDGE THAT USE OF THIS WEBSITE IS AT YOUR SOLE RISK.
3.8 Limitation of Liabilities. Neither Cardealexpert.com nor any other party involved in creating, producing, or delivering this website assumes any responsibility, and shall not be liable for, any damages to, or viruses that may infect, your computer equipment or other property as a result of your access to, use of, or browsing in this website or your downloading of any materials, data, text, images, video, or audio from this website. NO SUCH PARTY SHALL BE LIABLE FOR ANY INCIDENTAL, CONSEQUENTIAL, SPECIAL, INDIRECT, OR PUNITIVE DAMAGES ARISING OUT OF YOUR ACCESS TO OR USE OF THIS WEBSITE. IN NO EVENT SHALL CARDEALEXPERT.COM’S TOTAL LIABILITY TO YOU FOR ALL DAMAGES, LOSSES, AND CAUSES OF ACTION WHETHER IN CONTRACT, WARRANTY, TORT (INCLUDING, BUT NOT LIMITED TO, NEGLIGENCE), STRICT LIABILITY, OR OTHERWISE, EXCEED THE AMOUNT PAID BY YOU, IF ANY, FOR ACCESSING THIS SITE.
3.9 Website Security Disclaimer. While Cardealexpert.com uses reasonable efforts to safeguard the security of this website, there is no guarantee that such efforts will successfully prevent unauthorized alterations in the content or functionality of the website. Cardealexpert.com assumes no liability or responsibility for any unauthorized alterations in the content or functionality of this website.
3.10 Links to Other Websites. Cardealexpert.com has not reviewed any other website that may be linked to this website and is not responsible for the content of any off-website pages or any other websites linked to this website. Linking to any other off-website pages is at your own risk.
3.11 Dealings with Advertisers. Your correspondence or business dealings with, or participation in promotions of, advertisers found on or through this website, including payment and delivery of related goods or services, and any other terms, conditions, warranties, or representations associated with such dealings, are solely between you and such advertiser. Cardealexpert.com shall not be liable for any loss or damage of any kind incurred as the result of any such dealings or as the result of the presence of such advertisers on this website.
4.1 Use of Content Submitted to Website. Any unsolicited communication or material you transmit to this website by electronic mail or otherwise, including but not limited to any data, comments, suggestions, and questions shall be considered non-confidential and non-proprietary. Any unsolicited communication or material that you transmit or post may be used by Cardealexpert.com or its affiliates for any purpose, including but not limited to reproduction, disclosure, transmission, publication, broadcasting, distribution, or posting. Furthermore, Cardealexpert.com may use any ideas, concepts, or techniques contained in any unsolicited communication or material you send to this website for any purpose whatsoever, including but not limited to developing, manufacturing, and marketing.
4.2 Images of People or Places. Images of people or places displayed on this website are either the property of, or used with permission by, Cardealexpert.com. Unauthorized use of the images may violate copyright laws, trademark laws, the laws of privacy and publicity, and communications regulations and statutes.
4.3 Trademark Information. The trademarks, logos, and service marks (collectively “Trademarks”) displayed on this website are registered and unregistered Trademarks of Cardealexpert.com or third parties. Nothing contained on this website should be construed as granting, by implication, estoppel, or otherwise, any license or right to use any Trademark displayed on the website without written permission of Cardealexpert.com or the third parties owning the Trademarks displayed on this website. Your use of the Trademarks displayed on this website or any other content on this website, except as provided herein, is strictly prohibited.
5. Contact Information
The information you submit on this website may be used by Cardealexpert.com for any lawful purpose. Cardealexpert.com collects the information you submit on this site and matches you with various lenders; however Cardealexpert.com makes no representations about the privacy practices of third-party lenders and is not responsible for such practices.
Information collected on this site:
Cardealexpert.com collects all the information you provide on this website, including, but not limited to, your name, date of birth, telephone numbers, home address, email address, Social Security number, employment information, income information, bank account information, and personal references. Cardealexpert.com also collects information concerning IP addresses, web browsers, operating systems, and computers, as well as web-page http headers and other information relating to the pages you access on this site.
The information you submit on this site is required in order for your loan application to be considered by third-party lenders. However, even if you do not qualify for a loan or complete the application process, any personally identifiable information you submit on this site may be collected for use by Cardealexpert.com.
Use of collected information:
Cardealexpert.com uses the information it collects to help determine which third-party loan products may be of interest to you. Your personal, demographic, and profile information also may be used to help improve this website for marketing, editorial, promotional, statistical analysis, and feedback purposes. Any information collected may be added to databases for purposes of direct mailings, emails, SMS text-messaging, telemarketing new product information, new service information, site updates, and status reports for online orders.
By using this website, you agree that your personal information may be used for the following purposes: to obtain other information about you from third parties when the information was improperly or incompletely filled out on the Cardealexpert.com website ; to share your information with trusted third parties such as credit bureaus, lenders or other financial service providers in accordance with applicable law; to consider you for a website account; and to offer other marketing products and services that Cardealexpert.com determines you might find of interest.
Cardealexpert.com may employ other companies and individuals to perform certain functions on its behalf. These companies and individuals may have access to your personal information in order to perform their duties for Cardealexpert.com, but they are not permitted to use your personal information for other purposes. The uses other companies or individuals may make of your personal information include sending direct mail and email, SMS text-messaging, telemarketing, analyzing data, removing duplicate information from customer lists, and providing marketing analysis.
Submission of information through your use of this website means that you agree to receive mobile marketing, including, but not limited to, text-message-based marketing, from us and from our third-party advertisers and marketers. Even though your mobile telephone number may be listed on state or federal do-not-call registries, Cardealexpert.com retains the right and you consent to allow us to contact you via text-message-based marketing and in accordance with applicable state and federal laws.
Additionally, you hereby acknowledge that your registration on or use of this website constitutes an inquiry or application for purposes of the Amended Telemarketing Sales Rule (16 CFR §310 et seq.), as amended from time to time (the “TSR”). If your telephone number is listed on the Federal Trade Commission’s Do-Not-Call List, Cardealexpert.com retains the right and you consent to allow us to contact you via telemarketing, in accordance with the TSR.
Safeguards for collected information:
Although no data transmission over the internet can be guaranteed to be secure, Cardealexpert.com stores all information collected in a technically and physically secure environment. While Cardealexpert.com strives to protect your personal information, you transmit any information through this site at your own risk. Cardealexpert.com cannot warrant or ensure the security of any information you transmit; however, we make reasonable efforts to ensure its security on our systems. Cardealexpert.com strictly limits access to this personal information to employees who need the information to perform a specific job. Your information is not accessible to the public. In compliance with applicable state and federal laws, if Cardealexpert.com learns of a breach of security concerning your personal information, Cardealexpert.com will notify you and any applicable regulatory agencies by email. However, notice may be delayed in order to address the needs of law enforcement, determine the scope of network damage, and undertake remedial measures.
Information forwarded to lenders:
Your opt-out rights:
If you do not wish to receive communications from Cardealexpert.com or any third parties, whether affiliated or not, please do not submit any of your information on this site. When you submit personally identifiable information on this site, you automatically “opt in,” meaning that you understand, approve, and request that Cardealexpert.com share your personal information with third parties of its choosing. If you submit information on this site then subsequently receive marketing communications or are otherwise contacted by third parties, you should notify them directly regarding how you want your information to be used and shared by them.
Protection of the privacy of minors:
Cardealexpert.com does not permit individuals under eighteen (18) years of age to obtain products or services through this site. If you are under eighteen (18) years of age, do not submit any information on this site. If you do, it will be removed immediately.
Use of pixels and cookies:
Cardealexpert.com’s website pages and emails may contain electronic images known as pixel tags. Pixel tags are used to track the pages that users visit on the site in order to format future campaigns and upgrade visitor information used in reporting statistics. To help determine the effectiveness of a joint promotional or advertising campaign, pixel tags from third parties may also be present on this website.