Home > Terms of Use
Last Updated: July 1, 2020
Customer Acquisition LLC owns and operates the website located at Zayloan.com (the “Site”). Zayloan.com provides and maintains this Site for your information, conditioned on your acceptance, without modification, of the terms, conditions, and notices contained in these Terms of Use and our Privacy Policy. By accessing and using the Site, you accept and agree without limitation to the following:
| Products and Services |
|---|
Zayloan.com is not a lender or lending partner and is not responsible for any lending product advertised or offered to you, or for any credit decisions made about you. No specific loan products are offered to you on this Site by Zayloan.com. Specific loan products are offered to you directly by the lender or lending partner.
E-Sign Consent
By clicking “Get Cash Now” (or a similar button used to submit your form), you agree that this action constitutes your electronic signature. You further consent that we and any lender or lending partner we share your request with can communicate with you electronically and that any required disclosures may be provided to you electronically. This includes, but is not limited to, any notices of adverse action that a lender or lending partner is required to send you. You also confirm that you have the ability to access documents electronically, including viewing and saving PDF files.
SMS Terms and Conditions
By clicking “Submit,” you agree to receive informational, promotional, or marketing-related SMS messages from Zayloan.com and its marketing partners. This is a standard rate subscription service available on most carriers, including U.S. Cellular, AT&T, Cellular One, T-Mobile, Sprint, Boost, MetroPCS, Verizon Wireless, Alltel Wireless, and Virgin Mobile. Message and data rates may apply. Requires a text-enabled handset. Carriers are not liable for delayed or undelivered messages. You may cancel your subscription by texting STOP in response to the message you receive. You can also get information directly on your phone by texting HELP in response to the message you receive. Service will continue until the customer cancels.
Email Opt-In
By providing Zayloan.com with your email address, you agree to receive transactional and promotional emails from Zayloan.com, its marketing partners, lenders, and lender networks.
Loan Inquiry Policy
Zayloan.com reserves the right to reject your inquiry at any time for any reason not prohibited by law. Zayloan.com may require additional information or verification before your form is accepted. When you submit your information through a form on our Site, you will be connected with a lender or lending partner for further consideration based on their policies and procedures. This does not mean your loan has been approved. Loan approval is solely the lender’s or lending partner’s decision. Zayloan.com is not responsible for taking, approving, or denying your form. By submitting your information, you agree that if we cannot find a lender or lending partner that can offer you the type of loan you initially requested, we will search our network of lenders or lending partners to see if we can find other lenders or lending partners with different loan products to help you.
Credit References
Participating lenders or lending partners may verify your Social Security number, driver’s license number, or other federal or state identification, as well as review your creditworthiness through national databases that may include Equifax, TransUnion, Experian, and other credit bureaus. By submitting your information to us, you agree that lenders or lending partners may obtain such credit reports and verify your information.
Restrictions
You must be 18 years or older and a legal resident of the United States to submit a form. You agree not to use this Site for any illegal or inappropriate activities.
Compliance with Laws
You agree to comply with all applicable laws, statutes, ordinances, and regulations regarding your use of this Site and your acceptance or purchase of products or services through any of this Site’s third-party vendors. Zayloan.com may, in its sole discretion, report actual or perceived violations of law to law enforcement or other authorities. If we become aware of any potential or suspected violation of these Terms of Use or our Privacy Policy, we may (but are not obligated to) conduct an investigation to determine the nature and extent of the suspected violation and the appropriate enforcement action to be taken. During such investigation, we may suspend services to any customer being investigated and may delete data from our servers in order to prevent or minimize further violations. You agree to cooperate fully with any such investigation. You acknowledge that violating the Terms of Use or Privacy Policy could subject you to criminal or civil penalties.
Intellectual Property
The trademarks, titles, characters, trade names, graphics, designs, and other properties, including all software, text, and images appearing on this Site, are the intellectual property of Zayloan.com, its licensees, or other third parties who have authorized the use of such properties on the Site.
You have permission to view and make copies of documents, pages, images, or other materials or content on this Site for the sole purpose of requesting a loan. Zayloan.com reserves all other rights in this Site and its contents. You may not distribute, display, transmit, or disseminate any documents, pages, images, materials, or content without our prior written consent. Nothing contained on this Site should be construed as conferring any right or license to any trademark, copyright, or other intellectual property right.
Limitation of Liability and Disclaimer of Warranties
Zayloan.com uses commercially reasonable efforts to ensure that the information on this Site is accurate, but accuracy is not guaranteed. Zayloan.com makes no representations regarding your use of this Site or the results that you may or may not obtain through such use.
NEITHER Zayloan.com NOR ANY OTHER PARTY INVOLVED IN CREATING, PRODUCING, OR DELIVERING THIS SITE SHALL BE LIABLE FOR ANY DIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL, INDIRECT, OR PUNITIVE DAMAGES ARISING OUT OF YOUR ACCESS TO, OR USE OF, THIS SITE. EVERYTHING ON THIS SITE IS PROVIDED “AS IS” AND WITHOUT WARRANTY OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO, ANY IMPLIED WARRANTY OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT. THESE EXCLUSIONS AND LIMITATIONS ARE APPLIED TO THE FULLEST EXTENT PERMITTED BY LAW.
Third-Party Content
This Site may contain links to websites maintained by third parties. Zayloan.com is not responsible for the content or privacy policies of third-party websites, and the existence of such links should not be considered an endorsement or recommendation of those websites, the products or services offered, or any third parties associated with those websites.
Privacy
Zayloan.com’s Privacy Policy, which is incorporated herein by reference, is applicable to any data supplied through this Site. The Privacy Policy sets out your rights and our responsibilities regarding your personal information. Zayloan.com will not use your information in any way inconsistent with the purposes and limitations provided in the Privacy Policy. Zayloan.com reserves the right, in its sole discretion, to modify the Privacy Policy without prior notice to you. Modifications to the Privacy Policy are effective when posted, and your continued use of this Site signifies your acceptance of such modifications.
Security
Zayloan.com uses industry-recognized technology to protect your personal information. Although Zayloan.com takes commercially reasonable measures to secure your personal information submitted through this Site, Zayloan.com cannot guarantee that your information will not be intercepted or decrypted by others. So long as Zayloan.com uses commercially reasonable security measures, it accepts no responsibility for such interception or decryption except as required by law.
Site Use
Zayloan.com does not charge you any fees for your use of this Site or our marketplace service. Zayloan.com is not acting as an agent for (1) you, (2) any lender or lending partner, or (3) any supplier or vendor used in the evaluation of your loan inquiry or other use of this Site. Zayloan.com may receive compensation from lenders or lending partners and other third parties for its services.
Law and Venue
Zayloan.com is owned and operated by Customer Acquisition LLC, a Saint Kitts and Nevis limited liability company. By using this Site or engaging with Zayloan.com in any way, you consent to the laws and jurisdiction of Saint Kitts and Nevis. These Terms of Use and the Privacy Policy will also be governed by and construed in accordance with the laws of Saint Kitts and Nevis, without regard to conflict of law provisions. Any legal action brought against Zayloan.com (which must be via binding arbitration as set forth below) will be governed by the laws of Saint Kitts and Nevis, and you agree that the sole jurisdiction and venue for dispute resolution will be in Saint Kitts and Nevis.
Binding Arbitration
Should any dispute arise as to the interpretation of any term or provision of these Terms of Use or with regard to any of your dealings with Zayloan.com or with any lender or lending partner you borrow from as a result of Zayloan.com’s service, those issues shall be decided by binding arbitration. Arbitration proceedings shall be conducted under the applicable rules in Clark County, Nevada. The decision of the arbitrator shall be final and binding on both parties. The prevailing party shall be entitled to recover the cost of arbitration, travel expenses, expert testimony, travel expenses of experts, and all other expenses reasonably incurred in bringing or defending an arbitration claim, from the other party unless otherwise prohibited by law.
Modification
Zayloan.com reserves the right to modify these Terms of Use from time to time and without notice to you. Your use of this Site after such modification constitutes your acceptance of and agreement to any new or amended terms.
Indemnification
By using this Site, you agree to indemnify, defend, and hold harmless Zayloan.com, its subsidiaries, affiliates, officers, agents, and other partners and employees from any loss, liability, claim, or demand, including reasonable attorneys’ fees, made by any third party due to or arising out of your use or attempted use of the Site.
Violation of the Terms of Use
By using the Site, you understand and agree that Zayloan.com, in its sole discretion and without prior notice, may terminate your access to this Site and to any services offered, and may remove any content you have provided if Zayloan.com believes that such content violates or is inconsistent with these Terms of Use or the Privacy Policy or their intent, or that such content may be disruptive, offensive, or in violation of applicable laws.
Class Action Waiver
ANY PROCEEDINGS TO RESOLVE, LITIGATE, OR ARBITRATE ANY DISPUTE IN ANY FORUM WILL BE CONDUCTED SOLELY ON AN INDIVIDUAL BASIS. NEITHER YOU NOR Zayloan.com WILL SEEK TO HAVE ANY DISPUTE HEARD AS A CLASS ACTION, PRIVATE ATTORNEY GENERAL ACTION, OR IN ANY OTHER PROCEEDING IN WHICH EITHER PARTY ACTS OR PROPOSES TO ACT IN A REPRESENTATIVE CAPACITY. NO ARBITRATION OR PROCEEDING WILL BE COMBINED WITH ANOTHER WITHOUT THE PRIOR WRITTEN CONSENT OF ALL PARTIES TO ALL AFFECTED ARBITRATIONS OR PROCEEDINGS. FURTHERMORE, YOU AGREE THAT YOU WILL NOT SEEK TO HAVE ANY DISPUTE AGAINST ANY LENDER OR LENDING PARTNER TO WHOM YOU ARE REFERRED HEARD AS A CLASS ACTION, PRIVATE ATTORNEY GENERAL ACTION, OR IN ANY OTHER PROCEEDING IN WHICH EITHER PARTY ACTS OR PROPOSES TO ACT IN A REPRESENTATIVE CAPACITY. THIS CLASS ACTION WAIVER MAY BE LIMITED BY APPLICABLE LAW BUT IS INTENDED TO BE ENFORCED TO THE FULL EXTENT ALLOWED BY LAW.
Miscellaneous
Any reference to Zayloan.com includes Customer Acquisition LLC. All rights not expressly granted to you are reserved to Zayloan.com. The headings used in these Terms of Use are intended for convenience only and shall not affect the construction and interpretation thereof. Zayloan.com’s failure to insist upon or enforce strict performance of any provision of the Terms of Use shall not be construed as a waiver of such or any future provision or right. If any provision of these Terms of Use is held to be invalid or unenforceable, such determination shall not affect such provision in any other respect or any other provision of these Terms of Use, which shall remain in full force and effect. These Terms of Use and the Privacy Policy constitute the entire agreement and understanding between the parties with respect to the subject matter contained herein and supersede and replace any and all prior written or oral agreements related to the subject matter hereof.
Contact Information:
Company name: Customer Acquisition LLC Address: Springates Building, Lower Government Road, Charlestown, Saint Kitts and Nevis Email Address: [email protected]
INFORMATION FOR ISPs:
Website: www.Zayloan.com Company name: Customer Acquisition LLC Email Address: [email protected]
PLEASE NOTE THAT FOR QUESTIONS PERTAINING TO YOUR REQUEST STATUS, YOU MUST CONTACT YOUR LENDER OR LENDING PARTNER DIRECTLY. Zayloan.com IS NOT YOUR LENDER OR LENDING PARTNER AND CANNOT ACCESS INFORMATION ABOUT YOUR LOAN APPROVAL OR STATUS.
Notice and Take Down Procedures
If you believe any materials accessible on or from the Site infringe your copyright or other intellectual property, you may request the removal of those materials (or access thereto) from the Site by contacting our copyright agent (identified below) and providing the following information:
Send the above information to:
| Legal Department |
|---|
Customer Acquisition LLC Springates Building, Lower Government Road, Charlestown, Saint Kitts and Nevis Email Address: [email protected]
For all email submissions, please include the subject line: DMCA Takedown Request.
Important Information: Please Review Carefully
If you are experiencing significant financial hardship, exploring alternative solutions or seeking advice from a qualified financial advisor is strongly recommended.
This website utilizes Site Visit Recording Technology to document interactions, including tools provided by third-party services like Jornaya’s LeadiD. By using this website and submitting your information, you agree to the use of this technology.
The owner of this website is not a lender, nor are they affiliated with any lending institution. We do not accept loan applications or participate in any lending-related activities, such as making credit decisions, arranging loans, or managing loan payments. Submitting your information through this site is simply a request to be matched with financial service providers who may be able to assist with your financial needs. These providers are solely responsible for evaluating your credit application, verifying your information, and making independent credit decisions.
The services offered on this website are purely administrative in nature (commonly known as “lead generation”) and are provided to you at no cost. Lenders and other financial service providers compensate us for connecting them with consumers seeking financial services. This often operates on a competitive bidding system, similar to Google AdWords, where the provider offering the highest bid is connected with the consumer.
In certain instances, you may have the option to connect with a tribal lending entity (“TLE”). Please be aware that TLEs operate under tribal and specific federal laws, exempt from state laws, including those related to interest rate limits. If you choose to engage with a TLE, it is important to understand that their rates and fees may be higher than those of state-licensed lenders. Furthermore, TLEs may require you to resolve any disputes within a tribal jurisdiction. It is essential to carefully review and understand the terms of any loan offered by any lender, whether tribal or state-licensed, and to decline any loan offer that you cannot afford to repay or that contains unacceptable terms.
By submitting your information via this website, you authorize the owner of this website and its network of available lenders to do a credit check,
By submitting your information through this website, you consent to allow us and our network of lenders to conduct a credit check, which may involve verifying your Social Security number, driver’s license number, or other forms of identification, as well as evaluating your creditworthiness.
These credit checks are typically conducted through major credit bureaus such as Experian, Equifax, and TransUnion, but may also include alternative credit reporting agencies like Clarity, DataX, or others. You also authorize us to share your information and credit history with our network of lenders and other relevant service providers.
Our lenders provide loans with Annual Percentage Rates (APRs) of 35.99% or lower. For eligible consumers, the maximum APR (including interest rates, fees, and other associated costs) is capped at 35.99%. All loans are subject to approval by the lender, based on their individual underwriting standards.
Example: For a loan of $4,300.00 with an APR of 35.99%, repaid over 30 monthly installments, the monthly payment would be $219.36, and the total amount payable would be $6,581.78. Loans have a minimum repayment period of 12 months and a maximum of 30 months.
Please note that this service is not available in all states.
Lender’s Disclosure of Terms
When a lender chooses to extend a loan offer to you, they are legally obligated to provide documentation outlining all fees and interest rate information associated with the loan. This includes any potential charges for late payments, as well as the terms for refinancing, renewing, or rolling over your loan, if permitted by law. Loan fees and interest rates are determined solely by the lender or financial service provider, based on their internal policies, underwriting criteria, and applicable legal requirements. We have no knowledge of or control over the specific loan terms offered to you.
The Impact of Late Payments on Your Credit Score
It is important to be aware that missing a payment or making a late payment can have a negative impact on your credit score. To protect yourself and your credit history, ensure that you only accept loan terms that you are confident you can repay. If you anticipate being unable to make a payment on time, contact your lender immediately to discuss available payment options.
