Terms of Service
NoCreditCheckLoansOnline, LLC (“we,” “our,” or “us”) attempts to match you with a lender within our network of trusted lenders. Each lender has different terms and conditions and it is your responsibility to review and understand the terms and conditions of the lender you are matched with—if you are matched with one. Information provided by you on NoCreditCheckLoanOnline.net (“Website”) may be used by lenders in determining the amount of your loan. By accessing or using our services, you indicate your consent to be bound by the Terms of Service set forth.
Based on your loan application, we will match you with a lender (“Lender”) that does not require a traditional credit check to approve your loan. Submission of your application does not guarantee that you will receive a loan.
Notices and Disclosures:
We adhere to the Patriot Act and we are required by law to adopt procedures to request and retain in our records information necessary to verify your identity.
A short term loan provides the cash needed to meet an immediate short-term cash flow problem. It is not a solution for longer term financial problems for which longer term financing may be more appropriate. You may want to discuss your financial situation with a nonprofit financial counseling service in your community. You will be charged additional fees if you renew the loan.
Disclaimer of Warranties:
BECAUSE THE LENDER CONTROLS THE PROCESSING OF YOUR APPLICATION, WE DO NOT CONTROL THE QUALITY, SAFETY OR LEGALITY OF INFORMATION PROVIDED TO YOU BY THE LENDER. WE DO NOT GUARANTEE THE LOAN AMOUNT, TERMS, AND/OR SERVICES OFFERED BY ANY LENDER. WE ARE NOT LIABLE OR RESPONSIBLE FOR INFORMATION AND/OR SERVICES SUPPLIED BY LENDERS OR FOR ACTIONS YOU MIGHT TAKE IN RELIANCE ON THAT INFORMATION.
YOU EXPRESSLY UNDERSTAND AND AGREE THAT YOUR USE OF THIS WEBSITE AND THE SERVICES OFFERED AT THE WEBSITE IS AT YOUR SOLE RISK. THE WEBSITE IS PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS. WE EXPRESSLY DISCLAIM ALL WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE AND NON-INFRINGEMENT.
ANY MATERIAL DOWNLOADED OR OTHERWISE OBTAINED THROUGH THE USE OF THE WEBSITE IS DONE AT YOUR OWN DISCRETION AND RISK AND YOU WILL BE SOLELY RESPONSIBLE FOR ANY DAMAGE TO YOUR COMPUTER SYSTEM OR LOSS OF DATA THAT RESULTS FROM THE DOWNLOAD OF ANY SUCH MATERIAL.
Limitation of Liability:
YOU EXPRESSLY UNDERSTAND AND AGREE THAT WE SHALL NOT BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL OR EXEMPLARY DAMAGES, INCLUDING BUT NOT LIMITED TO, DAMAGES FOR LOSS OF PROFITS, GOODWILL, USE, DATA OR OTHER INTANGIBLE LOSSES (EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES), RESULTING FROM: (i) THE USE OR THE INABILITY TO USE THE WEBSITE OR SERVICES; (ii) THE COST OF SUBSTITUTE SERVICES RESULTING FROM ANY DATA, INFORMATION OR SERVICES OBTAINED OR MESSAGES RECEIVED OR TRANSACTIONS ENTERED INTO ON THE WEBSITE OR THROUGH OR FROM THE SERVICE; (iii) UNAUTHORIZED ACCESS TO OR ALTERATION OF YOUR TRANSMISSIONS OR DATA; or (iv) ANY OTHER MATTER RELATING TO THE WEBSITE OR THE SERVICES. IN NO EVENT WILL OUR MAXIMUM LIABILITY TO YOU EXCEED THE AMOUNT YOU PAID TO US FOR THE SUBJECT SERVICES OR $100, WHICHEVER IS GREATER.
Privacy and Data Collection:
Control Of Features, Functions, and Access to the Services:
We reserve the right to change any information, features and functions of the Website or services provided through it without prior notice. We may deny you access to all or part of the Website or services without prior notice if you engage in any conduct or activities that we determine, in our sole discretion, violate this Terms of Service, our rights or any third party’s rights, or is otherwise inappropriate.
Choice of Law, Waiver, and Claims:
This Terms of Service shall be governed by the laws of the State of Missouri without regard to its conflict of law provisions. Our failure to exercise or enforce any right or provision of the Terms of Service will not be deemed to be a waiver of such right or provision. If any provision of this Terms of Service is found by a court of competent jurisdiction to be invalid, the parties nevertheless agree that the court should endeavor to give effect to the parties’ intentions as reflected in the provision, and the other provisions of this Terms of Service remain in full force and effect. You agree that regardless of any statute or law to the contrary, any claim or cause of action arising out of or related to use of the services must be filed within one (1) year after such claim or cause of action arose or be forever barred.
No Unlawful or Prohibited Use:
As a condition of your use of this Website, you warrant to us that you will not use this Website for any purpose that is against the law or prohibited by the Terms of Service. If you violate any of these terms, your permission to use this Website automatically ends. You may not without our prior written permission use any computer code, data mining software, “robot,” “bot,” “spider,” “scraper” or other automatic device, or program, algorithm or methodology having similar processes or functionality, or any manual process, to monitor or copy any of the Web pages, data or content found on this Website or accessed through this Website. You may not republish our content or other content from this Website on another website or use in-line or other linking to display such content without our permission. You may not introduce viruses, spyware, or other malicious codes to this Website. You represent and warrant that you use frequently updated, commercially standard virus protection software to ensure that the system you use to access our Website is virus free.
If you are under the age of 13, you may not use this Website.
You agree that: (1) Any claim, dispute, or controversy (whether in contract, tort, or otherwise) arising out of, relating to, or connected in any way with the Website or the services provided on the Website will be resolved exclusively by final and binding arbitration conducted pursuant to the American Arbitration Association (“AAA”) Procedures for Consumer-Related Disputes in conjunction with the AAA Commercial Arbitration Rules (if and as applicable depending on the amount in controversy); (2) This arbitration agreement is made pursuant to a transaction governed by the Federal Arbitration Act (“FAA”), 9 U.S.C. §§ 1-16; (3) The arbitration will be held at the AAA regional office nearest you; (4) The arbitrator’s decision will be controlled by the terms and conditions of this Terms of Service; (5) The arbitrator will apply Missouri law consistent with the FAA and applicable statutes of limitations and will honor claims of privilege recognized at law; (6) There will be no authority for any claims to be arbitrated on a class or representative basis; arbitration can decide only your individual claims and the arbitrator may not consolidate or join the claims of other persons or parties who may be similarly situated; (7) The arbitrator will not have the power to award punitive damages against any party; (8) In the event that the administrative fees and deposits you are required to pay under our rules exceed $125, and you are unable to pay the additional fees and deposits, we retain the right to forward them to us on your behalf, subject to ultimate allocation by the arbitrator. In addition, if you are able to demonstrate that the costs of arbitration will be prohibitive as compared to the costs of litigation, we retain the right to pay as much of your filing and hearing fees in connection with the arbitration as the arbitrator deems necessary to prevent the arbitration from being cost-prohibitive; and (9) If any part of this Arbitration Provision is deemed to be invalid or otherwise unenforceable or illegal, the balance of this Arbitration Provision will remain in full force and effect and will be construed in accordance with its terms as if the invalid or illegal provision were not contained herein. You understand that, in the absence of this provision, you would have had a right to litigate disputes through a court, including the right to litigate claims on a class-wide or class-action basis, and that You have expressly and knowingly waived those rights and agreed to resolve any disputes through binding arbitration in accordance with the provisions of this paragraph.
Help or Support:
For help or obtain additional information, contact us at:
408 West 83rd Terrace
Kansas City, MO 64114
We may amend this Terms of Service at any time by posting the amended terms on the Website. All amended terms are automatically effective immediately upon posting.