BrainyLoans.com, also know as “we” or “our” operates and maintains the website name www.BrainyLoans.com, referred to as the “Site”.
Goods and services offered
You acknowledge that BrainyLoans.com is not a lender and does not issue any of the financial products featured on the Site.
Any products or services advertised on the Site or provided to you after receiving a financial product from an issuer are the sole responsibility of the respective vendors and service providers.
LOAN APPLICATION REQUEST ACCEPTANCE POLICY
Receiving electronic or other forms or order confirmation does not indicate that you have been accepted nor does it give you confirm of any funding offers.
BrainyLoans.com reserves the right accept or decline your loan request at any time for any reason, without any notification even after your application was filled out. Application may require verification or additional information before your application is accepted by lender or lender partners.
BrainyLoans.com is not liable for loan requests that are not funded or unsuccessful funding process that are resulted from individual inability to qualify for the funding with the lender. Applicant understand that BrainyLoans.com is just an affiliate website and only offer information and marketing for the lender or lender partners.
CREDIT CHECK – FCRA COMPLIANCE
By submitting your information to Brainyloans.com, you are giving your explicit written permission, as per the Fair Credit Reporting Act, for selected lenders, lending partners, and affiliates to whom you are connected to access your consumer credit profile or other information from credit bureaus that are linked to your inquiry.
PROCEDURE FOR VERIFYING INCOME
When you apply for a loan through BrainyLoans.com you will be require to provide information about your current financial situation and about your personals income and will be required to submit it to BrainyLoans.com about your income. Information submitted to us will be shared with lender or lending partners that we work with to determine the appropriate loan options for you. Some by not all lenders may or will require verification of your income before giving you the loan. By submitting your personal income information to BrainlyLoans.com your agreeing that the information is accurate. Brainyloans.com does not need or require income verification, but you agree that lenders and lending partners may ask for proof of income which will need to be provided. Proof of income can be paystubs or bank statements to verify the income you have provided. Proof of income may be required to receive a personal loan. Your not required to disclose any alimony, child support, or separate maintained income if you choose not to BrainyLoans.com.
ELECTRONIC SIGNATURE CONSENT (E-CONSENT)
By using the services provided through the Site, you agree to receive electronic disclosures, notices, or other records that we, our lenders or our third-party partners are legally required to provide to you in writing regarding your loan request or the loan itself (such as disclosures required by the Truth in Lending Act and the Equal Credit Opportunity Act), referred to as “Disclosures.” Each time you submit a loan request through BrainyLoans.com, you consent to receive electronic Disclosures about that specific loan request and the resulting loan, if any. Your consent does not apply to any future transactions with us, our lenders, or our third-party partners. Our lenders or third-party partners may ask you to agree to an additional electronic consent agreement. It’s your responsibility to read and understand the terms of these additional consent agreements.
To use the features you must be 18 years old or older and be legal resident of united sates to submit a loan request. You agree not to use this Site or any content contained in it for any illegal or impropriate activities.
COMPLIANCE WITH LAWS
INTELLECTUAL PROPERTY RIGHTS
Intellectual properties on this website, including trademarks, titles, characters, trade names, graphic, designs, software, text and images are protect and owned by BrainyLoans.com, its licensee, or third parties who have been authorized to use them on their website. Brainy Loans Allows and grants you permission to view and make copies of any documents, pages, images or other material or content on this site for the purpose of obtaining a loan or getting any products associated with our affiliates. However BrainyLoans.com reserves all other right to this site and its content with affiliates. Without any prior written consent from BrainyLoans.com you may not distribute, display, transmit, or disseminate any of the aforementioned documents, pages, images, materials or content anywhere. Except as explicitly state on the site, nothing contained on this site shall be interpreted as granting any rights or licenses under any trademark, copyright or other intellectual property rights.
LIMITATION OF LIABILITY AND DISCLAIMER OF WARRANTIES
BrainyLoans.com Makes a reasonable effort to ensure the accuracy of the information on this site, but will not or cannot guarantee such accuracy displayed on the site. BrainyLoans.com is not able to guarantee the accuracy, reliability or any other aspects of the content on the site. Brainyloans.com makes no representation regarding its use or result. NEITHER BRAINYLOANS.COM NOR ANYONE ELSE INVOLVED IN CREATING, PRODUCING, OR DELIVERING THIS SITE SHALL BE HELD LIABLE FOR ANY DIRECT, INCIDENTAL, OR SCONSEQUENTIAL, SPECIAL, INDERCT, OR PUNTIVE DAMGES RESULTING FROM YOUR ACCES OR USE OF THIS SITE. ALL CONTECT ON THIS SITE IS PROVIDED “AS IS” AND WITHOUT ANY WARRANTY, EXPRESS OR IMPLIED, INLUCDING BUT NOT LIMITED TO ANY IMPLIED WARRANTY OF MERCHANTABILITY, FITNESS FOR A PARTIULAR PURPOSE OR NO-INFRIGMENT. THESE EXCLUSION AND LIMITATION ARE APPLIED TO THE FULLEST EXTENDT PERMITTED BY LAW.
THIRD PARTY CONTENT
BrainyLoans.com site may include or contain links to other sites that are maintained by third party parties. BrainyLoans.com is not responsible for the information or content or privacy policies of those site that we link to and providing these links should not be considered as an endorsement or recommendation of these sites or any products or services they offer, or any parties associated with them and will not hold BrainyLoans.com and their representatives liable for anything.
USE OF THE WEBSITE
BrainyLoans.com is not your representative or the representative of the issuer or any loans or personal loans and is not in any relation to your decision to obtain a loan or other financial offering. Brainyloans.com may receive compensation from third parties for goods, facilities or other services that is provides to them under sperate agreement. BrainyLoans.com typically will receive a fee from lender or lending partners that you may be connected with or obtain a loan with with our referral links. Goods facilities or other services may or may not have any relation to your use of the site. You understand and agree to these compensation arrangements, regardless of whether they are related to your use of the site or not.
JURISDICTION AND LEGAL VENUE
MODIFICATION TO THE TERMS
When you use the website, you are agreeing to protect and compensate BrainyLoans.com, its subsidiary companies, affiliated organizations, officials, representatives and other partners and employees from any losses, liabilities, claims or demands, including reasonable lawyer fees, that may be made by a third party as a result of your use or attempted use of the website. This includes linking to another site or uploading any content to the website.
BrainyLoans.com Understand and values the protection of consumer personals information and the proper responsible use of the information. We do do send email updates and use it for follow backs and promotions. You can always upon of the email to not receive any more emails. Hope the following information climates all or if any concurs that you had regarding our practices of consumer personal information. BrainyLoans.com and is affiliates website only collect customer information though an opt-in or opt-out process. Consumers willingly provide all personal information. We also obtain personal information from third parties that should abide by the same guidelines be sure to visit the partners that you choose websites for more information.
We include information about the source of the email and clear instructions on how to unsubscribe from future emails in all communications sent to consumers. This unsubscribe will located in the bottom of the email. If you have any troubles please contact us directly.
Hopefully the information provided above is satisfactory with you if you have any questions or concerns about our E-mail practices and wish to discuss this further please contact us.
Disclaimer: We make every effort to ensure the accuracy and currency of our information. However, the information presented may differ from what you find when you visit a financial institution, service provider, or product site. We do not provide warranties for any financial products, shopping products, or services. When reviewing offers, please carefully read the terms and conditions of the financial institution. Pre-qualified offers are not binding. If you notice any discrepancies in your credit score or report, please contact TransUnion® directly. Our partners compensate us for featuring their products on our site, and this may affect the products we write about and their placement on the page. However, this does not influence our evaluations, and our opinions remain independent.