Terms of Use
Titleloansunion.com (also referred to as ‘Company’, ‘Site’, ‘we’, ‘our’, etc.) welcomes you. Users (referred to as ‘you’, ‘your’, etc.) who use and access this Site do so in full agreement with these Terms of Use (referred to as ‘Terms’). Use of this Site, constitutes acknowledgement that you have read and understand, without qualification or limitation, these Terms as well as this Company’s Privacy Policy (referred to as ‘Policy’). If you do not agree to these Terms, you are not obligated to access and use this Site or its services.
Services
Our services include connecting applicants with one or more third party lenders within our network of lenders. This Company’s services, Terms, and Policy do not govern your interactions with third party lenders. We do not loan money or broker loans and have no input into credit decisions as those are made by third party lenders. To use our services, you must fully complete all applicable forms with up-to-date and correct information. This information includes, but is not limited to, personal, employment, financial information, your name, mailing address, email address, telephone number, driver’s license number, social security number, bank account and routing numbers, and employment information. Collection of all information is subject to our Terms and Policy. Use of this site and its services requires agreement with our Terms and Policy.
This Company does not represent you or third party lenders. Your submission of information constitutes an agreement to have your information shared with one or more lenders. You also agree to be contacted by these lenders to complete the loan process or for other offers of goods and services by phone, email, regular mail, or other means. This Company does not guarantee the acceptance of your loan application or the certainty of a loan agreement, or that you will secure a loan with a lender. Each lender reviews each applicant’s information and decides eligibility. Lenders may perform credit checks or use other means to verify your identity. Submission of information constitutes an agreement for your information to be checked, verified, and reviewed by third parties. If a lender determines you to be eligible for a title loan, you will be directed to their clearly marked website.
This Company also does not offer exact prices of loan products including, but not limited to, availability of loan products, the amount of your loan, the total cost of the loan, APR, interest rates, fees, and charges associated with your loan agreement. This Company does not endorse or recommend third party products and services of any specific lender. Once you have been connected with a lender, this Company is not party to any agreement between you and any lender. Please direct all questions regarding your loan directly to your lender.
Authorized Use of this Site
Use of this Site is restricted to personal and non-commercial use for the purpose of being connected with a third party lender. Your use of this Site and all of its contents and materials is in compliance with all applicable laws and regulations. Prohibited uses of this Site include, but are not limited to: copy, reproduction, sale, resale, or any use or access of Site for commercial purposes.
Intellectual Property Rights
Use and access of this Site confers no intellectual rights to you or any user. All content and materials are protected by US and international copyright laws. Materials and content in this Site may not be otherwise used, except by express written consent from the copyright owner. All logos, trademarks, service marks, etc. (referred to as ‘Trademarks’) on this Site are Trademarks of this Company, both registered and unregistered. Use of all Trademarks must conform to these guidelines.
Disclaimer of Warranties
THE LOAN MATCHING SERVICES OF THIS SITE ARE PROVIDED ‘AS IS’ AND ‘AS AVAILABLE.’ THIS SITE IS ACCESSED AND USED AT YOUR OWN RISK. THIS COMPANY MAKES NO WARRANTIES (INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF NON-INFRINGEMENT AND FITNESS FOR A PARTICULAR PURPOSE), GUARANTEES, AND REPRESENTATIONS (EXPRESS OR IMPLIED, VERBAL OR OTHERWISE). THE COMPANY DOES NOT REPRESENT, GUARANTEE OR WARRANT THAT ITS SERVICES AND SITE WILL BE UNINTERRUPTED, TIMELY, MEET YOUR NEEDS, OR BE ERROR FREE; OR, THAT OPERATIONAL OR FUNCTIONAL DEFECTS IN THIS COMPANY’S SERVICES, THIS SITE, OR RELATED SOFTWARE WILL BE CORRECTED. THIS COMPANY DOES NOT REPRESENT, GUARANTEE OR WARRANT THE SECURITY METHODS OR THIRD PARTY SITES OR THAT PRIVACY PROTECTION PROCEDURES WILL REMAIN UNINTERRUPTED, SECURE, TIMELY, OR ERROR-FREE. THIS COMPANY ACCEPTS NO LIABILITY WHATSOEVER RESULTING FROM THE ABOVE ACTIONS. ACCESS TO AND USE OF THIRD PARTY SITES AND THIRD PARTY PRODUCTS OR SERVICES IS DONE AT YOUR OWN RISK.
Limitation of Liabilities
THIS COMPANY SHALL IN NO WAY BE HELD RESPONSIBLE FOR ANY DIRECT, INDIRECT, SPECIAL, EXEMPLARY, INCIDENTAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING FROM YOUR ACCESS TO OR USE OF THIS SITE, OR YOUR USE OF THIS COMPANY’S SERVICES. THE TOTAL LIABILITY OF THIS COMPANY FOR CLAIMS (TO THE FULLEST EXTENT PERMITTED BY LAW), RESULTING FROM YOUR ACCESS TO AND USE OF THIS SITE, AND YOUR USE OF THIS COMPANY’S SERVICES (IN CONTRACT, WARRANTY, TORT, STRICT LIABILITY, OR OTHERWISE) IS LIMITED TO THE AMOUNT PAID (IF ANY) BY YOU FOR ACCESSING AND USING THIS SITE AND USE OF COMPANY’S SERVICES.
Third Party Links
This Site contains links to third party websites and should not be viewed as an endorsement of or recommendation for these sites, their content, products, or services. Third party links are provided for convenience and reference and this Company has no control over the information, content, software, or creative material made available on third party websites. Access and use of third party websites takes place at your own risk and this Company shall not be held liable for your access and use of third party websites.
Third Party Dealings
Any and all interactions you have with third party sites, including but not limited to the use of their products and services, the sending and receiving of documents, payment, and any conditions and warranties found on these sites are conducted between you and the third party. This Company shall not be held liable for your access and use of third party sites and services. Access and use of third party websites takes place at your own risk.
Disputes
Any and all disputes resulting from your access and use of this Site or your use of this Company’s services will be governed by the State of California, without respect to choice of law, conflict of law, provisions, or law. This Company reserves the right to first submit disputes for resolution by non-binding arbitration before the American Arbitration Association in Los Angeles, California, in accordance with the existing Commercial Arbitration Rules, should a dispute arise from your use of this Site. Arbitrators shall not award damages exceeding the actual compensatory amount or to multiply damages claimed by you. Furthermore, the arbitrator shall be prohibited from awarding special, exemplary, incidental, consequential, or punitive damages. As such, you defer any right to claims involving these prohibited damages. Any and all awards shall be final and conclusive. Judgment thereon may be entered in any court of competent jurisdiction. At its discretion, this Company may choose to file actions in a court of competent jurisdiction in Los Angeles County, California, despite and instead of the alternative dispute resolution provision contained in these Terms. In the event that the alternative dispute resolution provision contained in these Terms is deemed unenforceable or does not apply (for any reason), or in the event of a lawsuit between you and this Company, any and all legal claims arising from your access and use of this Site and use of this Company’s services must be brought to the federal or state courts in Los Angeles County, California. You agree that any claim arising from your access and use of this Site and this Company’s services must be brought within one (1) year from the cause of action, otherwise such claims or causes of action are forever barred, notwithstanding applicable statute or law to the contrary.
Indemnification
Users agree to indemnify and hold this Company harmless against all liability, loss, claims, damages, actions, suits, expenses, and proceedings, including, but not limited to, reasonable attorneys’ fees and related costs, resulting from or related to claims, allegations, or causes of action involving, but not limited to, your unlawful or unauthorized use of this Site and this Company’s services.
Modification
This Company reserves the right to alter and modify these Terms and to add additional applicable terms and conditions in regards to this Site and the Company’s services, without notice. All modifications and changes take effect immediately. If you do not agree to these modified Terms, you are not obligated to use this Site or this Company’s services.
Non-Waiver & Severability
Any failure of this Company to enforce these Terms or to exercise the rights outlined in these Terms shall not be considered to be a waiver of our right or ability to enforce any of these Terms. In the event that a provision of these Terms should be determined to be illegal, invalid, or unenforceable in any respect under applicable laws, then that provision shall be severed while the remaining provisions of these Terms shall remain in full effect.
Entire Agreement
All Terms laid out herein constitute the full agreement and understanding between you and this Company regarding the subject matter hereof.