Terms of Use

USER WEBSITE USAGE AGREEMENT

At National Business Consolidation (“Company”), we take pride in offering our clients the necessary assistance in finding lending solutions. When using our website, we request that you comply with the following terms and conditions.

By using this website (referred to as the “Site”), you are deemed to have agreed to the terms and conditions outlined herein. Kindly review them carefully, and if you do not consent, refrain from using our website. Nevertheless, for those who choose to access our site, we trust it will serve as a helpful resource. Please note that we reserve the right to make necessary alterations to our website at any time. Your continued use of our site implies your acceptance of any changes made.

Changes to These Terms of Use

The lending solution experts at our office sincerely hope that you find this site useful. Should you wish to discuss our lending solution services with an experienced professional, please do not hesitate to get in touch with National Business Consolidation today!

We reserve the right to modify the Terms of Use periodically. If this occurs, we will publish the revised Terms of Use on the Site and specify the date of the last revision at the top of this page. You acknowledge and agree that your continued use of the Service or the Site following any modifications constitutes your acceptance of the updated Terms of Use.

Call Recording

By using our services, you consent to National Business Consolidation, its agents, representatives, affiliates, or anyone calling on our behalf to contact you on a recorded line.

Terms Applicable to All Users: Eligibility, License and Representation

Eligibility: General

This Site is designed exclusively for Users who are at least eighteen (18) years old. Any registration, use, or access by a natural person under the age of 18 is unauthorized, unlicensed, and a violation of these Terms of Use. By utilizing the Service or the Site, you confirm and assure that you are at least 18 years old and that you agree to comply with all terms and conditions set forth in the Terms of Use. Should you breach any of these Terms of Use, or any other agreement between you and us, the Company reserves the right to restrict your access to, or usage of, our Service or Site (or any part, feature, or aspect of the Service or Site) at any time, with or without notice, in its sole discretion, including if we suspect that you are under the age of 18.

Household Limitation

At any given point in time, each borrower may have only one active loan.

Inactive Applications

If a loan application remains inactive for 14 days, it will be canceled.

User Representation

You guarantee, certify, and acknowledge that any materials you submit, post, or share through National Business Consolidation’s Site will not violate or infringe upon any third party’s rights, including but not limited to copyright, trademark, privacy, publicity, or any other personal or proprietary rights. You also confirm not to include any defamatory, libelous, or unlawful content. Furthermore, you agree not to gather or accumulate email addresses or other contact information of Users from the Service or Site by electronic or any other means for the purpose of transmitting unsolicited emails or other unsolicited communications. Additionally, you vow not to use automated scripts to collect information from the Service or Site for any other reason. You also agree not to use the Service or Site in any illegal manner or in a way that may harm, disable, overburden, or impair the Site. Additionally, you pledge not to use our Services or Site to:

upload, post, transmit, share, store or in any other way make available any content that we consider harmful, threatening, unlawful, defamatory, infringing, abusive, inflammatory, harassing, vulgar, obscene, fraudulent, invasive of privacy or publicity rights, hateful, or racially, ethnically, or otherwise objectionable;
except where authorized by the Company, register for more than one User account, register for a User account on behalf of someone else, operate a User account on behalf of an ineligible person, or register for a User account on behalf of a group or entity (except for approved investment accounts opened on behalf of legal entities or accounts opened for the purpose of participating in our Small Business lending program) without the Company’s permission;
upload, post, transmit, share, or make available any unsolicited or unauthorized advertising, solicitations, promotional materials, “junk mail,” “spam,” “chain letters,” “pyramid schemes,” or any other form of solicitation, unless authorized by the Company;
upload, post, transmit, share, store, or otherwise make publicly available on the Site any private information of any third party, including but not limited to addresses, phone numbers, email addresses, Social Security numbers, and credit card numbers;
solicit any personal information from any individual who is under 18 years of age or to solicit passwords or any other personally identifying information from any User for commercial or unlawful purposes;
upload, post, transmit, share, or make available any material that contains computer viruses, malware, or any other harmful computer code, files, or programs that are intended to interfere with, destroy, or limit the functionality of any computer hardware or software or telecommunications equipment;
upload, post, transmit, share, or make available any material that contains computer viruses, malware, or any other harmful computer code or program that is designed to interrupt, damage, destroy, or limit the functionality of any computer software, hardware, or telecommunications equipment;
intimidate or harass another User;
upload, post, transmit, share, store or otherwise make available any content that could lead to a criminal offense, encourage others to commit unlawful acts, violate the rights of any party, or create liability or violate any local, state, national or international law;
access or attempt to access another user’s account, service, or system without their authorization or that of the Company, nor create a false identity on the Site. Moreover, you must not upload, post, transmit, share, store, or otherwise make available any content that the Company deems objectionable or that may limit or inhibit any person from using or enjoying the Site, or that may expose the Company or its users to any harm or liability of any kind.

Restrictions on Use of Our Online Materials

The National Business Consolidation Site’s Online Materials, such as text, logos, trademarks, images, audio and video clips, and music, are protected by copyright laws and owned by National Business Consolidation. Visitors may only download these materials for personal, non-commercial use, provided they retain all copyright, trademark, and propriety notices, make no modifications to the materials, and do not suggest an association with any of the company’s products, services, events, or brands. Visitors may not download quantities of materials for commercial purposes, copy, reproduce, republish, upload, post, transmit, distribute, or modify any Online Materials without the company’s written permission. Visitors are also prohibited from adding, deleting, distorting, or misrepresenting any content on the National Business Consolidation site, and attempting to modify any Online Material or defeat security features is strictly prohibited.

The software, files, images, and data you download are licensed to you by National Business Consolidation or third-party licensers for your personal, non-commercial home use only. National Business Consolidation and its licensers retain full title and intellectual-property rights to the software and associated materials. Redistribution or sale of the material is prohibited, as is any attempt to reverse-engineer, disassemble, or otherwise convert it to a usable form.

All Users: Consent to Electronic Transactions and Disclosures

As our Company operates mainly on the Internet, we require your consent to conduct business with us electronically. To conduct business with us and our affiliated lenders, we also need your consent to receive certain disclosures electronically. These disclosures may be provided through our Site or sent to the email address you provide to us.

By accepting the Terms of Use, you consent to receiving all documents, communications, notices, contracts, and agreements related to your use of the Site and Service electronically. This includes any loans you request or receive, your borrower registration, loan applications and approvals, and loan servicing. These documents are referred to as “Disclosures” and may be sent to you via our Site or the email address you provide us. It is your responsibility to decide whether to transact business with us electronically. This notice provides you with information about your rights regarding Disclosures.

We will provide all disclosures to you electronically through our website or by sending them to your verified email address. If you need paper copies of these disclosures, you can request them by writing to us at the address provided below, and we will send them to you for a fee of up to $5.00 per disclosure. Please note that requesting a paper copy does not mean you are withdrawing your consent to receive disclosures electronically. We may stop providing disclosures electronically in compliance with applicable state and federal laws related to record retention.

Your agreement to receive Disclosures and conduct business electronically applies to any transactions related to the Disclosures between you and the Company, and will remain in effect as long as you are a User. Even if you are no longer a User, the agreement will continue until all Disclosures relevant to transactions that took place while you were a User have been provided to you.

Consideration of Electronic Business with Company. Prior to agreeing to do business with Company electronically, it is important for you to assess whether your current hardware and software capabilities meet the following requirements:

To access and keep electronic Disclosures, you must have the following computer hardware and software: access to the Internet, an email account with software that can receive emails via the Internet, supported web browsing software (Chrome version 32.0 or above, Firefox version 26 or above, Internet Explorer version 8.0 or above, or Safari version 7.0 or above), and hardware that can run this software. Please ensure that you have these necessary requirements before deciding to do business electronically with the Company.

TCPA Consent

I hereby give my explicit consent to receive calls and messages, which may include pre-recorded messages and automated calls, as well as SMS messages (including text messages), from the Company, its affiliates, agents, and other parties calling either on their behalf or at their request, using any telephone numbers that I have provided or may provide in the future, including any mobile or cellular telephone numbers. I understand that my cellular or mobile telephone provider may charge me based on my specific plan.

If you are using a mobile device to access our site and view the Disclosures electronically, you must also ensure that your device has the necessary software to print and save the Disclosures presented to you during the application process, in addition to meeting the requirements mentioned above. You can find these applications in the app store of most mobile devices. If your mobile device does not have these capabilities, please access our site using a device that does.

You have the right to withdraw your consent to receive Disclosures electronically by contacting us at the address given below. Please note that if you withdraw your consent, you will not be able to submit loan requests on our Site. If you have a pending loan request, we will terminate it and remove it from our system. However, if you have already received a loan, the previously agreed upon terms and conditions will still apply, and we will send Disclosures to your verified home address provided during registration.

If you need to contact us regarding electronic Disclosures, you can call us Toll Free at (800) 254-1044. As an individual User, you are responsible for keeping us informed of any changes to your email or home mailing address to ensure that you receive all Disclosures in a timely manner. If your registered email address changes, you must notify us. Additionally, you agree to update your registered residence address and telephone number on the Site if they change.

It is your responsibility to print a copy of this Agreement for your records. By agreeing to this Agreement, you also acknowledge that you have the ability to access, receive, and retain all Disclosures that are sent to you electronically via email or posted on the Site.

Limitation of Liability

National Business Consolidation WILL NOT BE HELD LIABLE FOR ANY DAMAGES OR INJURIES THAT MAY OCCUR AS A RESULT OF YOUR USE OF ANY OF ITS SITES.

THESE INCLUDE (BUT ARE NOT LIMITED TO) DAMAGES OR INJURY CAUSED BY ANY:

USE OF (OR INABILITY TO USE) THE SITE

USE OF (OR INABILITY TO USE) ANY SITE TO WHICH YOU HYPERLINK FROM OUR SITE
FAILURE OF OUR SITE TO PERFORM IN THE MANNER YOU EXPECTED OR DESIRED
ERROR ON OUR SITE
OMISSION ON OUR SITE INTERRUPTION OF AVAILABILITY OF OUR SITE
DEFECT ON OUR SITE
DELAY IN OPERATION OR TRANSMISSION OF OUR SITE
COMPUTER VIRUS OR LINE FAILURE
PLEASE NOTE THAT WE ARE NOT LIABLE FOR ANY DAMAGES, INCLUDING:
DAMAGES INTENDED TO COMPENSATE SOMEONE DIRECTLY FOR A LOSS OR INJURY
DAMAGES REASONABLY EXPECTED TO RESULT FROM A LOSS OR INJURY (KNOWN IN LEGAL TERMS AS ”CONSEQUENTIAL DAMAGES.”)
OTHER MISCELLANEOUS DAMAGES AND EXPENSES RESULTING DIRECTLY FROM A LOSS OR INJURY (KNOWN IN LEGAL TERMS AS ”INCIDENTAL DAMAGES.”)
WE ARE NOT LIABLE EVEN IF WE‘VE BEEN NEGLIGENT OR IF OUR AUTHORIZED REPRESENTATIVE HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES OR BOTH.

EXCEPTION: SOME STATE LAWS MAY NOT ALLOW US TO LIMIT OR EXCLUDE LIABILITY FOR INCIDENTAL OR CONSEQUENTIAL DAMAGES. IF YOU RESIDE IN ONE OF THOSE STATES, THE LIMITATIONS MENTIONED ABOVE MAY NOT APPLY TO YOU.

Privacy

Kindly review the Privacy Policy of the Site. Your use of the Service or the Site implies your consent for the transfer and processing of your personal data in the United States.

Termination of This Agreement

This agreement will remain in effect until terminated by either party. You have the right to terminate this agreement at any time by removing and destroying all materials obtained from the National Business Consolidation site, including all related documents and copies or installations. National Business Consolidation reserves the right to terminate this agreement without notice if, in its sole discretion, it determines that you have violated any term or condition of this agreement. Upon termination, all materials must be destroyed. Additionally, we make no guarantee that the materials provided on our website will remain available to you, and National Business Consolidation reserves the right to terminate all or part of any of its website without prior notice to you.

Links to Other Sites

We may provide links and referrals to other websites on our site, but we do not necessarily endorse or approve of the information or resources offered on those sites. It is important to check the URL address in your internet browser to ensure that you are still on aNational Business Consolidation-operated site. We are not responsible for the content or practices of third-party sites that may be linked to our site. When we provide links or references to other sites, it should not be assumed that we are connected with, operate, or control those sites. Any approved link must not suggest or imply that National Business Consolidation endorses or supports the linked site or its content, or that there is an endorsement, sponsorship, or support by National Business Consolidation, its employees, agents, or directors. This policy remains in effect even if we are affiliated with the linked site.

Jurisdiction and Other Points to Consider

If you access our website from locations outside the United States, it is your responsibility to comply with any relevant local laws. These Terms of Use will be governed by the laws of the State of California, as applied to agreements made and performed entirely within that jurisdiction. If you have infringed or threatened to infringe on the intellectual property rights of National Business Consolidation and its affiliates, they may seek appropriate relief in any state or federal court located in California, and you agree to exclusive jurisdiction and venue in such courts.

Indemnity

You agree to defend, indemnify, and hold the Company, its subsidiaries and affiliates, as well as their directors, officers, agents, contractors, partners, and employees, harmless from any loss, liability, claim, demand, damages, costs, and expenses, including reasonable attorney fees, that arise in connection with your User Content, your posting or sharing of any Third Party Content on or through the Site, your use of the Service or Site, your conduct with other Users of the Service or Site, or any violation of these Terms of Use or any law or third party rights. However, this provision does not apply to Users acting as an investor member or registering as an investor member in connection with (i) their posting of User Content or (ii) use of the Site or Service.

The Resolution of Other Disputes

In the event of a dispute arising under this agreement, we will attempt to resolve it initially by utilizing a mutually agreed-upon mediator in Orange County, CA. Any costs and fees related to the mediation, other than attorney fees, will be divided equally between us.

If mediation fails to result in a mutually agreeable resolution, we both agree to submit the dispute to binding arbitration in Orange County, CA, under the rules of the American Arbitration Association. Any court with jurisdiction may enter judgment on the arbitration award. National Business Consolidation retains the right to modify these Terms of Use and the associated agreement at any time without notice to you by updating this posting. This agreement represents the entirety of our discussion on the matters covered.

Other

The Company’s failure to exercise or enforce any right or provision of these Terms of Use does not waive that right or provision, either in that or any other instance. If any provision of these Terms of Use is held invalid, the remaining provisions will remain in full force and effect. If any provision is considered unlawful, void, or unenforceable for any reason, that provision will be deemed separate from these Terms of Use, and the validity and enforceability of the remaining provisions will not be affected.