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terms-conditions.html
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<!DOCTYPE html>
<html class="gr__standardautofinancial_com" lang="en"><head>
<meta http-equiv="content-type" content="text/html; charset=UTF-8">
<title>Terms of Website Use</title>
<meta charset="utf-8">
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<div class="modal-header">
<button type="button" class="close" data-dismiss="modal" aria-hidden="true" onclick="closeWindow();">×</button>
<h4 class="modal-title" id="myModalLabel">Terms of Service</h4>
</div>
<div class="modal-body">
<p>Thank you for choosing AutoFinancialCare.host (the "Website"). The Website and the
Services (as defined below) are provided by Standard Auto Financial ("we" or "us" "our"). We
are located at <br>
848 N. Rainbow Blvd. #5260<br>
Las Vegas, NV 89107<br>
</p>
<p>By using the Website and Services, you agree to these Terms of Use (the "Terms"). You also
consent to the collection and use of certain information about you, as specified in our privacy
policy (the "Privacy Policy"). Please read the Terms and Privacy Policy carefully. If you do
not understand the Terms or the Privacy Policy, please leave the Website and stop using the
Services.</p>
<h4>CHANGES TO THE TERMS AND PRIVACY POLICY</h4>
<p>We may change the Terms or the Privacy Policy at any time by posting a new version of either
on the Website. Please review the Terms and the Privacy Policy regularly. If at any time you find
either unacceptable, please leave the Website and stop using the Services.</p>
<h4>ELIGIBILITY</h4>
<p><strong>By using the Website or Services, you represent and warrant that you are at least 18 years
old, a resident of the United States, and are otherwise legally qualified to enter into and
form contracts under applicable law.</strong>This Agreement is void where prohibited.</p>
<h4>LICENSE</h4>
<p>We grant you a limited, non-exclusive, revocable, non-transferable license to make personal,
non-commercial use of the Website and Services. Upon termination of this Agreement, this
license will automatically terminate.</p>
<h4>SERVICES</h4>
<p>a. <strong>We are not a lender and do not make loans or credit decisions in connection with
loans. Instead, we refer consumers seeking loans to lenders who may provide loans (the
"Services"). We may refer a consumer directly to a lender, or we may refer a consumer
to a third-party partner who then may refer the consumer to a lender. We may share
consumer application information with more than one lender and/or third-party partner.
We may submit your application to lenders and/or third-party partners multiple times over
a 24-hour period.</strong>Consumers who are not matched with a lender may be directed to a third-
party website, which advertises third-party products and services (for additional information, see
the section concerning Third-Party Websites, below).</p>
<p>b. <strong>We do not guarantee that we will match you with a lender, or that your Application will
be approved by a lender. Likewise, we do not guarantee the amount of funds that may be
extended to you if a lender approves your application.</strong>We will not necessarily match you
with the lender that provides the best rates and terms.</p>
<p>c. We do not charge you fees for the Services. Instead, we receive fees from lenders and third-
party partners for our referral services.</p>
<p>d. We are not a party to any contract made between you and lenders for loans. All rights and
obligations under the terms of the contract for a loan are solely between you and the lender.<strong> We
do not warrant, endorse, guarantee or assume responsibility for any lender, or any product
or service offered by a lender.</strong> You should use your own judgment in deciding which available
loan product, terms or lender best suits your needs and financial means.</p>
<p>e. In order to use the Services, you must complete and submit an application (the "Application").
A completed Application includes your personal information, such as full name, address,
telephone number, email address, social security number, driver's license number, employer
information and banking information. <strong>By using the Services, you authorize us to transmit
your Application to one or more lenders and/or third-party partners. In addition, you
authorize our lenders and/or third-party partners to verify your Application information,
including by performing a credit check.</strong> Lenders and/or third-party partners to whom we
have provided your Application information as part of the Services may store your Application
information indefinitely, whether or not you are qualified for a loan or if you make a loan. <strong>We
do not have control over your Application information stored by our lenders and/or third-
party partners, and therefore we assume no liability or responsibility for any unauthorized
access to, or use of, your Application information stored by our lenders and third-party
partners.</strong></p>
<h4>YOUR INFORMATION</h4>
<p><strong>You represent and warrant that all information that you provide on an Application or
otherwise in connection with your use of the Website and Services will be current, complete
and truthful.</strong></p>
<h4>CONSENT TO RECEIVE EMAIL COMMUNICATIONS</h4>
<p>a. <strong>By using the Services, you consent to receive administrative emails from us. You also
consent to receive marketing emails from us and our third-party marketing partners on
our behalf.</strong> You may opt-out of receiving emails marketing our products and services at any
time by following the opt-out instructions contained in the emails.</p>
<p>b. <strong>By using the Services, you consent to receive administrative and marketing emails from
the lenders and third-party partners to whom we have provided your information as part
of the Services, whether or not you are qualified for a loan or if you make a loan.</strong> You may
opt-out of receiving marketing emails from these parties by following the opt-out instructions
contained in their respective emails.</p>
<h4>THIRD-PARTY WEBSITES</h4>
<p>The Website links to, and may direct you to, third-party websites ("Third-Party Websites").
We do not have control over the content and performance of Third-Party Websites. <strong>We do not
warrant, endorse, guarantee or assume responsibility for any Third-Party Website, or
any product or service advertised or offered on or through any Third-Party Website. </strong>You
should use your judgment and exercise caution when visiting Third-Party Websites.</p>
<h4>PROHIBITED USES</h4>
<p>We impose certain restrictions on your use of the Website and the Services. You shall not:</p>
<p>a. complete and submit an Application through automated, deceptive, fraudulent or other invalid
means, including but not limited to, through manual applications, the use of robots or other
automated tools, or software; </p>
<p>b. except as permitted by agreement, license or law, reproduce, directly or indirectly, any portion
of the Website (e.g. images, photographs, text, graphics and code), or the selection, arrangement
and organization thereof; </p>
<p>c. except as permitted by agreement, license or law, display the Website in any form, which now
exists or will exist in the future, for any purpose; </p>
<p>d. provide false, misleading or inaccurate information on an Application or otherwise in
connection with your use of the Website and Services; </p>
<p>e. impersonate, or otherwise misrepresent affiliation, connection or association with, any person
or entity; </p>
<p>f. access content or data not intended for you, or log onto a server or account that you are not
authorized to access; </p>
<p>g. attempt to probe, scan, or test the vulnerability of the Services, the Website, or any associated
system or network, or breach security or authentication measures without proper authorization;</p>
<p>h. interfere or attempt to interfere with the use of the Website or Services by any other user, host
or network; or </p>
<p>i. modify, reverse-engineer, decompile, disassemble or otherwise reduce or attempt to reduce to a
human-perceivable form any of the source code used by us in providing the Website or Services. </p>
<p>Any violation of this section may subject you to civil and/or criminal liability.</p>
<h4>INTELLECTUAL PROPERTY</h4>
<p>The Website, all content and materials located on the Website, and the selection, arrangement
and organization thereof, are the intellectual property of Standard Auto Financial or its
licensors. Neither your use of the Website and Services, nor your entry into this Agreement,
grant you any right, title or interest in or to any such content or materials. STANDARD AUTO FINANCIAL
, AutoFinancialCare.host and the "STANDARD AUTO FINANCIAL"
logo are trademarks or registered trademarks of Standard Auto Financial or its
licensors. The Website is Copyright © 2014 to the present. ALL RIGHTS ARE RESERVED.</p>
<h4>DISCLAIMERS; LIMITATION OF LIABILITY</h4>
<h4>a. NO WARRANTIES</h4>
<p><strong>The Website and Services are provided on an "as is" and "as available" basis. Use
of the Website and Services are at your own risk. To the maximum extent permitted
by applicable law, the Website and Services are provided without warranties of any
kind, whether express or implied, including, but not limited to, implied warranties of
merchantability, fitness for a particular purpose, or non-infringement. No advice or
information, whether oral or written, obtained by you from us or through the Website
or Services will create any warranty not expressly stated herein. Without limiting the
foregoing, we and our licensors (and our respective subsidiaries, affiliates, agents,
directors, and employees) do not warrant that the Website and Services are accurate,
reliable or correct; that the Website and Services will meet your requirements; that the
Website and Services will be available at any particular time or location, uninterrupted or
secure; that any defects or errors will be corrected; or that the Website and Services are
free of viruses or other harmful components. </strong></p>
<h4>b. LIMITATIONS OF LIABILITY</h4>
<p>i. <strong>To the maximum extent permitted by applicable law, in no event will we and our
licensors (and our respective subsidiaries, affiliates, agents, directors, and employees) be
liable for any direct, indirect, punitive, incidental, special, consequential, or exemplary
damages, including without limitation damages for loss of profits, goodwill, use, data, or
other intangible losses, that result from the use of, inability to use, or unavailability of the
Website or Services.</strong></p>
<p>ii.<strong> In no event will we and our licensors (and our respective subsidiaries, affiliates,
agents, directors, and employees) be liable to you for any claims, proceedings, liabilities,
obligations, damages, losses or costs in an amount exceeding $15,000. </strong></p>
<p>iii.<strong> This limitation of liability section applies whether the alleged liability is based on
contract, tort, negligence, strict liability, or any other basis, even if we have been advised of
the possibility of such damage. </strong></p>
<h4>DISPUTES</h4>
<p>a. This Agreement will be governed and construed in accordance with the laws of Kansas, and
all claims relating to or arising out of this Agreement, or the breach thereof, whether sounding in
contract, tort or otherwise, will be governed by the laws of Kansas. </p>
<p>b. <strong>Any dispute, claim or controversy between you and Auto Financial Care,
any entity calling as or on behalf of Auto Financial Care, including
<a href="javascript:void(0)"/popups/lenders.html', 'view', 'width=400, height=500, top=10, left=10 ,scrollbars=yes')">marketplace partners</a>,
rising out of or relating in any way to the Website, Services or this Agreement will be resolved
by binding arbitration, rather than in court,</strong> except that either of us may assert qualifying claims
in small claims court. This agreement to arbitrate will be governed by and interpreted under
the Federal Arbitration Act and federal arbitration law. </p>
<p>c. Arbitration is an alternative dispute resolution process in which a neutral third person (an
arbitrator) decides a dispute. <strong>There is no judge or jury in arbitration, and arbitration
awards are final and binding and subject to review by a court only on a very limited basis.
However, an arbitrator can award on an individual basis the same damages and relief as a
court (including injunctive and declaratory relief or statutory damages), and must follow
this Agreement as a court would. </strong>Any court with jurisdiction over the parties may enforce
the arbitrator's award. You may, but are not required to, have a lawyer represent you during an
arbitration proceeding.</p>
<p>d. To begin an arbitration proceeding, either party must send a letter to the other party requesting
arbitration and describing the claim. We will send you notice of arbitration to the address that
you provide as part of an Application. You must send us notice of arbitration to <br>
General Counsel,<br>
Standard Auto Financial,<br>
848 N. Rainbow Blvd. #5260<br>
Las Vegas, NV 89107<br>
</p>
<p>e. The American Arbitration Association (AAA) will conduct the arbitration under its rules,
including the AAA's Supplementary Procedures for Consumer-Related Disputes. The AAA's
rules are available at www.adr.org or by calling 1-800-778-7879. The AAA's rules will
govern the payment of all filing, administration and arbitrator fees. We will reimburse those
fees for claims totaling less than $10,000, unless the arbitrator determines the claims are
frivolous. Likewise, we will not seek attorneys' fees and costs in arbitration unless the arbitrator
determines the claims are frivolous. You may choose to have the arbitration conducted by
telephone, based on written submissions, or in person in either the county where you live or
Johnson County, Kansas.</p>
<p>f. <strong>Any dispute resolution proceedings will be conducted only on an individual basis and not
in a class, consolidated or representative action. If for any reason a claim proceeds in court
rather than in arbitration, we each waive any right to a jury trial.</strong></p>
<p>g. <strong>To the extent permitted by law, any claim or dispute between you and us arising out of
or relating to the Website, Services or this Agreement must be filed within one year. The
one-year period begins on the date that the claim or dispute first could be filed. Any claim
or dispute not filed within that time is permanently barred. This section applies to each of
our respective successors and assigns.</strong></p>
<p>h. Any claims seeking to enforce, protect or determine the validity or ownership of any
intellectual property rights are not subject to mandatory arbitration. Instead, these claims,
including claims for injunctive or equitable relief, will be exclusively decided by courts of
competent jurisdiction in Johnson County, Kansas.</p>
<h4>QUESTIONS & COMMENTS</h4>
<p>We are always excited to hear from our customers. We know the only way we can serve you
better is by listening to what you have to say. Please let us know what is on your mind.</p>
<p>Do you have a question or comment about the Services, Website or our company? Please send
them to [email protected]. </p>
<p>Or, you can find answers to many frequently asked questions at our FAQs page.</p>
<h4>OTHER TERMS</h4>
<p>a. This Agreement constitutes the entire agreement of the parties relating to the subject matter of
this Agreement and supersedes all other oral or written agreements or policies relating thereto.</p>
<p>b. If any provision of this Agreement is unenforceable to any extent, the remainder of this
Agreement, or application of that provision to any persons or circumstances other than those
as to which it is held unenforceable, will not be affected by that unenforceability and will be
enforceable to the fullest extent permitted by law.</p>
<p>c. No waiver of satisfaction of a condition or nonperformance of an obligation under this
Agreement will be effective unless it is in writing and signed by the party granting the
waiver, and no such waiver will constitute a waiver of satisfaction of any other condition or
nonperformance of any other obligation.</p>
<p>d. This Agreement is freely assignable by us in connection with a merger, acquisition, or sale of
assets, or by operation of law or otherwise.</p>
<p>© 2017. All rights reserved.</p>
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