Money challenges? You’re not alone. 4 in 10 Americans wouldn’t be able to come up with $400 in an emergency according to the Economic Well-Being of U.S. Households report. Because of that reality, and a heartfelt duty to our fellow Americans, Direct Loans For You built our online marketplace. We offer you simple, quick and secure access to lenders. It all starts with a simple form that takes about five minutes to complete. We provide that information, at your request, to lenders who might be able provide you with financial assistance. You could have a decision in minutes and the money you need could be direct deposited in your account in as little as 24 hours. If you are short on money, don’t wait. Get started now.
Fill out our simple and secure form to send your information to Lending Partners.
Your information is reviewed instantly by lenders to determine if they are able to work with you.
If a lender is able to make you an offer and you agree to work with them, they can deposit the funds directly into your bank account in as little as 24 hours*.
A Personal Loan is a loan usually meant for personal, family or household purposes. These types of loans are unsecured, meaning that it is not necessary to have any form of collateral such as property to be approved. All that is required is proof of your identity and a regular source of income. Personal Loans are typically repaid in fixed monthly payments.
There are no specific limitations on how a personal loan can be used. Once you've been approved, you are free to use the funds as you desire. Below are some common uses:
Debt ConsolidationIf you are carrying a large amount of debt from previous loans, a personal loan can be used to consolidate your payments into one easy monthly payment with a lower interest rate. Doing so can save you lot of money.
Repairs and RenovationsBeen putting off a major repair to your car or home? Or are you in need of renovating your kitchen to increase the value of your home? A personal loan can be used to get the job done under affordable terms you are able to handle.
Major & Unexpected ExpensesLife's unpredictability can have a serious impact on your finances. Unexpected medical bills, major car repairs or an emergency can all be reasons to utilize a personal loan.
Personal NeedsThe beauty of a personal loan is that it is completely flexible. There are no restrictions to what you can use it for.
A short-term loan is a quick, easy and convenient loan that can be used to address any type of short term or immediate financial need. Short-term loans are also referred to as 'cash advances', and are commonly used for financial emergencies like home or auto repairs, unexpected medical bills, or in times where you are falling a bit short on your budget before your next payday.
At YourDirectLoan, we believe that everyone deserves access to credit. Although credit is one aspect of your application that is assessed, our lenders consider a broad range of criteria to determine your eligibility, including your personal information, employment and state of residence. We work with lenders that provide loans for those with excellent credit, average credit or poor credit. Even if you are in the process of rebuilding your credit, you may still qualify for a loan.
YourDirectLoan utilizes industry standard security protocol and enhanced 256-bit data encryption technology to ensure that your information is secure while using our service.
Once we have connected your request with a lender, YourDirectLoan will direct you to their site where you will receive instructions on how to e-sign for your loan. Once you have signed for your loan your funds are released. Funds are typically received in your bank account as soon as the next business day.
At YourDirectLoan, customers can apply for a loan between $100 and $15,000. The amount you are actually approved for is dependent on a number of factors, including your income, employment, credit history, state of residence and the lender that you are connected with. Not everyone is eligible for $15,000. In the event that you are not approved for a loan amount, you may still be eligible to be approved for a lower amount. Simply follow the instructions provided on our application to apply for a lower amount in real-time.
YourDirectLoan provides a loan connecting service and is partnered with hundreds of different lenders, and therefore cannot provide specific interest rates or terms on our site. When you are approved for a loan, your lender will provide specific interest rates for your loan, and you can review the agreement carefully before signing for your loan.
At YourDirectLoan, our lending network includes both installment and short-term loan lenders to serve your financial needs. The amount of time you are given to repay your loan depends on the type of loan you are connected with. Installment loans are paid back over multiple monthly payments, usually between 12 to 60 months. Short-term loans, also commonly referred to as cash advances, are typically in the amount of $1,000 or less and are usually paid back on your next payday.
Most lenders offer loan extensions and alternative repayment options in special circumstances. We recommend that you contact your lender directly to discuss the options available to you.
YourDirectLoan accepts loan applications 24 hours a day, 7 days a week. Our network of lenders is open at all times, unlike conventional banks that are only open during business hours. Once you are approved on our site, you will receive instructions on how to finalize your loan with your lender.
Once you submit your application our engine automatically searches for a loan to suit your request based on the information you provide. If a lender is found, you will be notified on our site in real-time. You will then be directed to your lender's site for instructions on how to finalize your loan. If we are unable to connect your application with a lender, we will direct you to additional options to help address your financial needs.
Because we are not a lender ourselves, the exact terms of your loan (including interest rates, repayment periods and monthly payment information) will be presented to you by your lender. Each lender uses their own policies to determine their terms, which often depend on your personal information, including employment, monthly income, credit history and the state that you reside in.
Our simple form takes five minutes to complete and you could have the money you need from a lender in as little as 24 hours*
© 2021 DirectLoansForYou.com
*THE OPERATOR OF THIS WEB SITE IS NOT A LENDER, does not arrange, facilitate or broker loans to lenders and does not make short term cash loans or credit decisions. It is not an agent, representative, arranger, facilitator or broker of any lender and does not endorse any lender or charge you for any service or product. This Web Site does not constitute an offer or solicitation to lend. This site allows you to submit your information to a lender in order for a lender to determine if they may be able to offer you a short-term loan. However, providing your information on this Web Site does not mean that a lender will be able to work with you or that you will be approved for a short-term loan. Cash advances should only be used by you to solve immediate cash needs and should not be considered a long-term solution. Not all lenders can provide up to $ 5,000 . Cash transfer times may vary between lenders and may depend on your individual financial institution. For details, questions or concerns regarding your short-term cash loan, please contact your lender directly. Lender services may not be available to residents of all states based on individual lender requirements. This service is not available in Connecticut. Furthermore, this service is not available in New York or to New York borrowers due to interest rate limits under New York law.
**Credit checks, consumer credit reports and other personal data may be obtained by some lenders from Experian, Equifax, Trans Union or through alternative providers.
THE OPERATOR OF THIS WEBSITE is a for-profit advertising network. We receive compensation, in the form of referral fees, from lenders, aggregators, credit repair services, or other offers that we direct you to. Therefore, the amount of compensation provided, along with other factors, may impact which offer you are presented. The offer you receive may be coming from the company that bid the most for your information. The operator of this website does not always provide you with an offer with the best rates or terms. Our website does not include all companies or all available offers. We encourage you to research all available loans options for your situation.
* The operator of this website does not broker loans to lenders and does not make cash advances or credit decisions. This Website does not constitute an offer or solicitation to lend. This site will submit the information you provide to a lender. In some cases, you may be given the option of obtaining a loan from a tribal lender. Tribal lenders are subject to tribal and certain federal laws while being immune from state law including usury caps. If you are connected to a tribal lender, please understand that the rates and fees may be higher than state-licensed lenders and you may be required to agree to resolve any disputes in a tribal jurisdiction. Additionally, your information may be going to an aggregator and not a lender. Your information can be sold multiple times leading to multiple offers from lenders, aggregators, and other marketers. Providing your information on this Website does not guarantee that you will be approved for a cash advance. The operator of this Website is not an agent, representative or broker of any lender and does not endorse or charge you for any service or product. Not all lenders can provide up to $2,500. Cash transfer times may vary between lenders and may depend on your individual financial institution. In some circumstances faxing may be required. This service is not available in all states, and the states serviced by this Website may change from time to time and without notice. For details, questions or concerns regarding your cash advance, please contact your lender directly. Cash advances are meant to provide you with short term financing to solve immediate cash needs and should not be considered a long term solution. Residents of some states may not be eligible for a cash advance based upon lender requirements.
** Lenders may perform credit checks with the three credit reporting bureaus: Experian, Equifax, or TransUnion. Credit checks or consumer reports through alternative providers may be obtained by some lenders.
ANTI-SPAM POLICY: We strictly prohibit any reference or advertisement of our brand and web site using unsolicited email messages. Violation of this policy will cause partnership termination and further actions permitted by the law. If you feel you have been sent unsolicited messages promoting our brand or website and would like to register a complaint, please refer to our Privacy Policy. We will investigate all complaints and take necessary action.
Net Media1, LLC (“Net Media1, LLC,” “we,” “us,” or “our”) provides this Privacy Notice (the “CCPA Privacy Notice”) to supplement the information contained in the Net Media1, LLC Privacy Policy (“Privacy Policy”) made available on the website located at Direct Loans For You (the “Site”). This CCPA Privacy Notice sets forth our privacy practices as required by the California Consumer Privacy Act of 2018 (“CCPA”)
Subject to the foregoing, the CCPA Privacy Notice applies only to individuals residing in the State of California who are considered “Consumers” under the CCPA and from whom we collect “Personal Information” as described in the CCPA (“CA Consumers”). CA Consumers with disabilities who wish to access this CCPA Privacy Notice in an alternative format can contact us by sending us mail to 2093 Philadelphia Pike, Suite 1422, Claymont, DE 19703
We may collect Personal Information from you in a variety of different situations, including, but not limited to on our Site, your mobile device, through email, through the mail, and/or over the telephone. More specifically, Net Media1, LLC has collected and will collect the following categories of Personal Information from its Consumers, which will depend on the particular Business Purpose (described in How We Use Personal Information below) for which we collect it:
| Category | Examples | Collected |
| A. Identifiers | A real name, alias, postal address, unique personal identifier, online identifier, Internet Protocol address, email address, account name, Social Security number, driver's license number, passport number, or other similar identifiers. | YES |
| B. Personal information categories listed in the California Customer Records statute (Cal. Civ. Code § 1798.80(e)). | A name, signature, Social Security number, physical characteristics or description, address, telephone number, passport number, driver's license or state identification card number, insurance policy number, education, employment, employment history, bank account number, credit card number, debit card number, or any other financial information, medical information, or health insurance information. Some personal information included in this category may overlap with other categories. | YES |
| C. Protected classification characteristics under California or federal law. | Age (40 years or older), race, color, ancestry, national origin, citizenship, religion or creed, marital status, medical condition, physical or mental disability, sex (including gender, gender identity, gender expression, pregnancy or childbirth and related medical conditions), sexual orientation, veteran or military status, genetic information (including familial genetic information). | YES |
| D. Commercial information. | Records of personal property, products or services purchased, obtained, or considered, or other purchasing or consuming histories or tendencies. | NO |
| E. Biometric information. | Genetic, physiological, behavioral, and biological characteristics, or activity patterns used to extract a template or other identifier or identifying information, such as, fingerprints, faceprints, and voiceprints, iris or retina scans, keystroke, gait, or other physical patterns, and sleep, health, or exercise data. | NO |
| F. Internet or other similar network activity. | Browsing history, search history, information on a consumer's interaction with a website, application, or advertisement. | NO |
| G. Geolocation data. | Physical location or movements. | NO |
| H. Sensory data. | Audio, electronic, visual, thermal, olfactory, or similar information. | NO |
| I. Professional or employment-related information. | Current or past job history or performance evaluations. | YES |
| J. Non-public education information (per the Family Educational Rights and Privacy Act (20 U.S.C. Section 1232g, 34 C.F.R. Part 99)). | Education records directly related to a student maintained by an educational institution or party acting on its behalf, such as grades, transcripts, class lists, student schedules, student identification codes, student financial information, or student disciplinary records. | NO |
| K. Inferences drawn from other personal information. | Profile reflecting a person's preferences, characteristics, psychological trends, predispositions, behavior, attitudes, intelligence, abilities, and aptitudes. | NO |
Personal information does not include:
Net Media1, LLC obtains the categories of Personal Information listed above from the following categories of sources:
We may use or disclose the Personal Information we collect from you or about you for one or more of the following business purposes:
We will not collect additional categories of Personal Information or use the Personal Information we collected for materially different, unrelated or incompatible purposes without providing you with notice.
Subject to your right to opt-out of such sharing/sale, we may share your Personal Information for the other business purposes set forth above.
When we disclose Personal Information to a third party service provider or other entity, we enter into a contractual relationship that describes the purpose for which such third party may use the Personal Information and requires that third party to both keep the Personal Information confidential and not use it for any purpose other than the performance of its services under the applicable contract. Please note, we do not collect information from CA Consumers that we actually know are less than eighteen (18) years of age and we do not share or sell the Personal Information of CA Consumers that we actually know are less than eighteen (18) years of age. Without limiting the foregoing, we have not shared or sold the Personal Information of CA Consumers that we actually know are less than eighteen (18) years of age in the preceding twelve (12) months.
In the preceding twelve (12) months, we have disclosed the following categories of Personal Information for a business purpose:
We share your personal information with the following categories of third parties:
in the preceding twelve (12) months, we have sold the following categories of Personal Information to third parties:
In the preceding twelve (12) months, we have sold the above referenced categories of Personal Information to the third parties who purchase and/or license your Personal Information for marketing purposes, as well as the third parties who provide the products and/or services featured by and through the Site.
The CCPA provides Consumers with specific rights regarding their Personal Information. This section describes your CCPA rights and explains how to exercise those rights.
You have the right to opt-out of our sale of your Personal Information to third parties. To exercise your right to opt-out of our sale of your Personal Information to third parties, please submit a verifiable CA User request to us by either:
We endeavor to act on all opt-out requests as soon as practicable, but in all cases 15 calendar days of the receipt of your request.
You have the right to request that Net Media1, LLC disclose certain information to you about our collection and use of your Personal Information over the past 12 months. Once we receive and confirm your verifiable consumer request (see Exercising Access, Data Portability, and Deletion Rights), we will disclose to you:
You have the right to request that Net Media1, LLC delete any of your Personal Information that we collected from you and retained, subject to certain exceptions. Once we receive and confirm your verifiable consumer request (see Exercising Access, Data Portability, and Deletion Rights), we will delete (and direct our affiliates to delete) your Personal Information from our records, unless an exception applies.
In accordance with the CCPA, we may deny your deletion request under certain circumstances, and will inform you of the basis for the denial, which may include, but is not limited to, if retaining the information is necessary for us or our service provider(s) to:
To exercise the access, data portability, and deletion rights described above, please submit a verifiable consumer request to us by either:
You may only make a verifiable consumer request for access or data portability twice within a 12-month period. The verifiable consumer request must:
We cannot respond to your request or provide you with Personal Information if we cannot fully verify your identity or authority to make the request and confirm that the Personal Information relates to you.
Making a verifiable consumer request does not require you to create an account with us. However, we do consider requests made through your password protected account sufficiently verified when the request relates to Personal Information associated with that specific account.
We will only use Personal Information provided in a verifiable consumer request to verify the requestor's identity or authority to make the request.
We endeavor to respond to a verifiable consumer request within forty-five (45) days of its receipt. If we require more time (up to an additional ninety (90) days), we will inform you of the reason and extension period in writing.
We will deliver our written response by mail or electronically, at your option.
Any disclosures we provide will only cover the twelve (12)-month period preceding the verifiable consumer request's receipt. The response we provide will also explain the reasons we cannot comply with a request, if applicable.
If we determine that the request warrants a fee, we will tell you why we made that decision and provide you with a cost estimate before completing your request.
California's “Shine the Light” law (Civil Code Section § 1798.83) permits users of our Site that are California residents to request certain information regarding our disclosure of Personal Information to third parties for their direct marketing purposes.
We will not discriminate against you for exercising any of your CCPA rights. Unless permitted by the CCPA, we will not:
Net Media1, LLC reserves the right to amend this CCPA Privacy Notice in our discretion and at any time. When we make changes to this CCPA Privacy Notice, we will post the updated CCPA Privacy Notice on the Site and update the CCPA Privacy Notice's Effective Date above. Your continued use of our Site or interaction with us through other methods following the posting of changes and/or our directing you to the updated CCPA Privacy Notice constitutes your acceptance of such changes.
If you have any questions or comments about this notice, the ways in which Net Media1, LLC collects and uses your information described above [and in the Privacy Policy ], your choices and rights regarding such use, or wish to exercise your rights under California law, please do not hesitate to contact us at:
Email: Click Here
Postal
Address: 2093 Philadelphia Pike, Suite 1422, Claymont, DE 19703
ATTN: Privacy Department
This Privacy Policy explains our views and practices concerning privacy, and how they may pertain to you as a user of our system.
"You" or "Your" means you, a participant in or as a user of the Direct Loans For You programs.
"We" or "Our" or "Us" means Direct Loans For You. "Our Website" also means Direct Loans For You.
All information transmitted, printed or otherwise submitted to Direct Loans For You through this Website remains your property; however, Direct Loans For You will be free to use that information for any lawful purpose as detailed below.
This Website contains links to other websites. Direct Loans For You is not responsible for the privacy practices or the content of such sites.
Collected Information
Direct Loans For You automatically collects and/or tracks the following information:
Submitting information to us is voluntary. However, if you would like to receive information on a loan-related product from one of our affiliated third-party loan providers (Affiliated Loan Providers), you must submit the required information, even if you do not actually enter into a formal application loan request with any Affiliated Loan Provider.
Please note: We may also collect your personally identifiable information when you submit information at the Website but do not complete the full registration process.
Use of Data Collected
We use the information we collect to enhance your experience at our Website and to help us to offer content we determine may be of interest to you. We use your contact information to offer you promotional material from our partners. We may also use your personal, demographic, and profile data to improve our Website, conduct statistical analysis, and for marketing, promotional, editorial, or feedback purposes. Information collected by us may be added to our databases and used for future e-mails or postal mailings of products and services.
Disclosure of Data to Third Parties
By using this Website, you agree that you may be contacted in any manner contemplated in this section even if your phone number is included in a state, national, or federal do not call list. If you choose to provide personal information, it will be used for and/or shared with trusted third parties such as Affiliated Loan Providers and/or other financial service providers, credit bureaus, and for marketing products and services that you might find of interest. We reserve the right to share, rent, sell or otherwise disclose your information with/to third parties in accordance with applicable laws. These third-party businesses may include, but are not limited to: providers of direct marketing services and applications, including lookup and reference, data enhancement, suppression and validation; e-mail marketers; and telemarketers.
The information we collect may be added to our databases and used for future telemarketing via telephone calls, including telephone calls that may use an auto-dialer system, SMS text-messaging, instant messaging, e-mails or postal mailings regarding site updates, new products and services, upcoming events, and/or status of orders and/or loans placed online.
We may also employ other companies and individuals to perform certain functions on our behalf. Examples may include sending direct mail and e-mail, removing duplicate information from customer lists, analyzing data, and providing marketing analysis. These agents have access to our users' personal information as needed to perform their functions for Direct Loans For You, but we do not permit them to use our users' personal information for other purposes.
By agreeing to this Privacy Policy, you authorize us to use your information to obtain other information about you (for example, your Social Security Number) from third-parties when the information was incompletely or improperly filled out on our registration form. Third-parties include, but are not limited to, consumer reporting agencies, consumer credit bureaus and other outside parties, as permitted or required by applicable laws. Any and all Sensitive Information provided by you on this Site or on any third-parties Site, will be used to determine your eligibility for a loan or other products, offers or services, should you qualify. If you choose to provide information, such as your Social Security Number, we may use that information to determine your financial status. If you do not provide such information, we may also use other information that you provided for the purpose of verifying your eligibility for a loan or for any other programs, offer, or services. Upon qualification, your ultimate loan-specific financial information will be stored and utilized by your applicable lender in accordance with the terms of that lender's Privacy Policy.
Direct Loans For You reserves the right to release current or past user information under the following conditions:
By submitting your information at the Website, you agree to receive mobile marketing including, but not limited to, text-message based marketing from us and our third-party advertisers and marketers. Notwithstanding that your contact telephone number may be listed on state and/or federal do-not-call registries, we retain the right to contact you via text message-based marketing, in accordance with applicable state and federal law. In addition, by registering and/or using the Website, you agree that such act constitutes an inquiry and/or loan request for purposes of the Amended Telemarketing Sales Rule (16 CFR 310 et seq.), as amended from time to time (the "Rule") and the Telephone Consumer Protection Act (TCPA). Even though your telephone number may be listed at the Federal Trade Commission's Do-Not-Call List, we retain the right to contact you via telemarketing, in accordance with the Rule.
We may use personal information to provide the services you've requested, including services that display customized content and advertising. In addition to any fee of which you are notified, your provider's standard messaging rates apply to our confirmation and all subsequent SMS correspondence. In addition to any fee of which you are notified, your provider's standard messaging rates apply to our confirmation and all subsequent SMS correspondence. All charges are billed by and payable to your mobile service provider. We will not be liable for any delays in the receipt of any SMS messages, as delivery is subject to effective transmission from your network operator. You may opt-out and remove your SMS information by sending "X", "STOP", "END", "QUIT", or any other method to communicate to the sender that you no longer wish to receive messages, to the SMS text message you have received. If you remove your SMS information from our database it will no longer be used by us for secondary purposes, disclosed to third parties, or used by us or third parties to send promotional correspondence to you.
Information Collection Processes
Direct Loans For You may employ "cookies" to help customize your access to the Website. A cookie is a piece of data stored on your hard drive containing information about you. Cookies have many benefits to enhance your experience at our Website. For instance, by setting a cookie on our Website, a user would not need to log in a password more than once, thereby saving time while on our Website. Even in the case where a user rejects a cookie, they may still use our Website. The only drawback to this is that the user will be limited in what he/she can access in some areas on our Website, much like visitor-level access.
We may occasionally use cookies to anonymously track and target the interests of our users to further enhance the experience on our Website. We may also use cookies for advertising tracking purposes. To find out more about cookies, please visit www.cookiecentral.com.
In addition to cookies, our Website pages and/or e-mails may contain electronic images known as pixel tags (also known as clear gifs) to track the pages that visitors and/or users visit at the Website for purposes of formatting future campaigns and upgrading visitor information used in reporting statistics. Pixel tags from third parties may also be present on our Website to help determine the effectiveness of a joint promotional or advertising campaign.
Use of Cookies
Direct Loans For You and its affiliated web properties uses cookies, web beacons or similar technologies to enhance and personalize your online experience and to enable Direct Loans For You to recognize you as a previous visitor to the Direct Loans For You web properties. A cookie is a small amount of data, which often includes an anonymous unique identifier that is sent to your browser from a website's computer and stored on your computer's hard drive. Each website can send its own cookie to your browser if your browser's preferences allow it, but (to protect your privacy) your browser only permits a web site to access the cookies it has already sent to you, not the cookies sent to you by other sites. Many sites do this whenever a user visits their website in order to track online traffic flows. Cookies record information about your online preferences. Users have the opportunity to set their computers to accept all cookies, to notify them when a cookie is issued, or not to receive cookies at any time. Each browser is different, so check the "Help" menu of your browser to learn how to change your cookie preferences.
Direct Loans For You may also allow its partners and advertisers that are presenting advertisements on its web properties to set their cookies, or apply web beacons or similar technologies, to your computer. This information may be used to:
Direct Loans For You and its associated third parties may also use ad network providers to help present advertisements on Oakwood Financial websites and other online properties. These ad network providers may use cookies, or web beacons or similar technologies on your computer to tailor content, advertisements to your preferences, help target, measure and track your visits and the effectiveness of advertisements and promotions, using data gathered over time and across their networks of Web pages to determine or predict the characteristics and preferences of their audience and to provide security within shopping baskets or transactions.
The use of cookies, web beacons, or similar technologies is subject to their own privacy policies, not this one.
You can adjust the settings on your browser to erase or block such technologies from your computer if you want to, but if you do so, you will not be able to use or access the Direct Loans For You web pages provided.
Electronic Disclosure
You are submitting your information to Direct Loans For You via the Internet and agree to receive certain notifications, disclosures and/or documents electronically. This Electronic Disclosure and Consent Agreement applies to the information you are providing on this Site and any other communications we or any third parties discussed herein may provide to you. By submitting your information, you agree to receive all such notifications, disclosures and/or documents in electronic form or online in accordance with this document. You may withdraw your consent prior to submitting your information by exiting the website or by closing your browser. However, you will not be able to submit your information if you withdraw your consent by exiting the website or closing your browser. In addition, you cannot withdraw your consent after the submission of your information.
You consent to receive any notifications, disclosures and/or documents in electronic format.
All notifications, disclosures and/or documents that we or any third parties provide to you in electronic format will be provided either (i) via e-mail; (ii) by access to a secure customer service website which will be provided to you in an e-mail notice sent to you when the documents are available; (iii) by posting on this Site; or (iv) by posting on a website designated for that purpose.
All notifications, disclosures and/or documents provided in electronic or paper format from us or any third parties to you will be considered "in writing," and you should print a copy for your records by using the "print" button in your browser.
You are required to provide us with an accurate and complete e-mail address and other required information requested on this Site.
You may obtain any notifications, disclosures and/or documents in paper form without charge from us by printing them yourself from our website or the appropriate third-party website when available.
We and any third parties, reserve the right, in our sole discretion, to discontinue electronic provision of notifications and/or documents. You will be provided with notice of any such termination or change as required by law.
You agree and intend the federal Electronic Signatures in Global and National Commerce Act to apply to (i) this Consent to receive notifications, disclosures and/or documents in electronic form; (ii) the information you provide, and (iii) our and/or any third parties' ability to conduct business with you by electronic means.
To facilitate electronic commerce, to reduce the expense of records storage, and to obtain the benefits of faster access to records, you acknowledge and agree that all records may be stored electronically; and that neither we nor any third parties will retain and have no obligation to retain any original or electronic documents for any period of time beyond the regulatory requirements. This applies to all notifications, disclosures and/or documentation. You further acknowledge and understand that all original and electronic notification, disclosures and/or documentation will be routinely destroyed, but not before the period of time designated by regulatory requirements. Records may be stored electronically via imaging, scanning, filming or other technology used for the storage of documentation via internal processes or third-party processors that we or any third parties approve for these services. You agree that such storage shall be secure, and further agree that such records shall for all purposes be recognized and admissible in evidence or otherwise to prove the agreements, rights and obligations of the parties pursuant to any such records.
By completing and submitting your information, you (i) confirm your consent to receive notifications, disclosures and/or documents in electronic format; (ii) affirmatively demonstrate your ability to access the notifications, disclosures and/or documents in electronic form; (iii) confirm that you have provided a current e-mail address at which electronic notifications can be sent, disclosures and/or documents to you; iv) acknowledge that you have accessed the Consent; and (v) agree to the terms of this Consent.
Your Opt-Out Rights
You may opt-out of receiving communications from us and or our third-party partners by not submitting your information. However, during registration and/or when you submit personally identifiable information to us at the Website, you have opted-in to request that we share your personal information (other than your Sensitive Information) with third parties to receive marketing communications. When contacted by any of these companies or third parties, you should notify them directly of your choices regarding their use and sharing of your information. As noted, we use personal information to provide promotional offers by e-mail to our Website users. Direct Loans For You may prepare and use separate e-mail lists for different purposes. If e-mail recipients wish to end their e-mail subscription from a particular list, they need to follow the instructions at the end of each e-mail message to unsubscribe from the particular list. To opt-out from receiving any additional e-mail communications regarding the Website, please unsubscribe here.
In addition, if you subsequently sign up at one of our other websites for other product or service offerings, you will need to again address any information sharing preferences that you had previously established through this Website.
Third Party Sites
In certain circumstances, Direct Loans For You acts as a limited agent for the actual third-party lender or seller of the products and/or services available at or through the Website. In these circumstances:
| a. | you will be redirected to the applicable third-party lender's or seller's website after you have completed entering your information; |
| b. | we will collect and send your personal information to the respective third-party lender or seller in connection with completing your loan request or purchase from the third-party lenders or seller, as applicable; and |
| c. | your loan request or purchase will subject you to the third-party lender's or seller's privacy policy, as applicable. |
We do not endorse and are not responsible for the accuracy of the privacy policies and/or terms and conditions of each of the third-party lenders or sellers that may advertise at the Website. The entities that advertise and/or place banner ads at the Website including, but not limited to, these third-party lenders and sellers, are independent third parties and are not affiliated with us.
Your Rights to Your Personal Data
Upon receiving your request via postal mail or e-mail, we will provide you a summary of personal information retained by us. We will only send your personal records to your e-mail address or postal address that we have on file for you. To modify, correct, change, update or remove your personal record from our database, click here.
Our Commitment to Children's Privacy
Protecting the privacy of children is especially important. For this reason, we never collect or maintain personal information at our website from those whom we know are under the age of 18 years old. In the event that information is inadvertently collected from children, it will not knowingly be used for any marketing or promotional purposes whatsoever, either inside or outside of our website. If we obtain actual knowledge that such information has been collected, that information will be immediately deleted from our database. The information and services provided by us or our affiliates, sponsors, and advertisers are not intended to be viewed by persons under 18 years old.
Our Right to Contact You
We reserve the right to contact you regarding your account status and changes to subscriber agreements, Privacy Policy, or any other policies or agreements relevant to you.
Security
All information collected is stored in a technically and physically secure environment. Unfortunately, no data transmission over the Internet can be guaranteed to be 100% secure. As a result, while we strive to protect your personal information, we cannot ensure or warrant the security of any information that you transmit to us, and you do so at your own risk. Once we receive your transmission, we make reasonable efforts to ensure its security on our systems. Access to this information is strictly limited, and not accessible to the public. All of our users' information is restricted in our offices. Only employees who need the information to perform a specific job are granted access to personal information. Our employees are dedicated to ensuring the security and privacy of all user information. Employees who do not adhere to our firm policies are subject to disciplinary action. In compliance with applicable federal and state laws, we shall notify you and any applicable regulatory agencies in the event that we learn of an information security breach with respect to your personal information. You will be notified via e-mail in the event of such a breach. Please be advised that notice may be delayed in order to address the needs of law enforcement, determine the scope of network damage, and to engage in remedial measures.
Our Right to Change
We reserve the right to change this policy at any time. If changes are made, we will notify you of the existence and location of the new or revised privacy policy or by posting the changes online at our Website. All changes will take effect immediately upon their posting on our Website. Please check this page periodically for changes. Your continued use of the Oakwood Financial services, Websites or acceptance of our e-mails following the posting of changes to this Policy will mean that you accept any and all such changes and that you agree to continue receiving marketing from us and other third-party companies.
Our Contact Information
If you have any questions about this Privacy Policy, the practices of this Website, or your dealings with this Website, you can contact us:
Company Name: Net Media1, LLC
Address: 2093 Philadelphia Pike,
Suite 1422, Claymont, DE 19703
Information for ISPs
Direct Loans For You understands consumers' concerns over the use of their personal information. We hope this information will relieve any concerns that your company may have regarding our e-mail policies.
Direct Loans For You and its affiliated sites use only an "opt-in" or "opt out" method of obtaining customer information, and it is not our policy to send unsolicited e-mail. We obtain e-mail addresses and personal information from third parties that follow the same set of policies.
Direct Loans For You e-mail messages sent include information about the origin of the e-mails and include instructions on how recipients can unsubscribe from receiving future e-mail message.
From time to time, Direct Loans For You will enter into an arrangement with a third-party website to allow individuals to opt into our marketing program on those third-party websites. In each case, the third-party websites have represented and warranted to us, among other things, that the data was collected voluntarily from individuals on website registrations and co-registrations, that the sellers have a right, under any applicable privacy policies, to transfer the data to us, and that Direct Loans For You has the right to send marketing offers to the individuals. We hope this information satisfies any questions or concerns you may have regarding the e-mail practices of Direct Loans For You. If you have additional questions or wish to discuss this matter further, please visit our contact us page.
California Privacy Notice
This is for California residents only, as it applies to their questions and rights under California Consumer Privacy Act of 2018. Please visit our California Privacy Policy.
Net Media1, LLC (“Net Media1, LLC,” “we,” “us,” or “our”) provides this Privacy Notice (the “CCPA Privacy Notice”) to supplement the information contained in the Net Media1, LLC Privacy Policy (“Privacy Policy”) made available on the website located at Direct Loans For You (the “Site”). This CCPA Privacy Notice sets forth our privacy practices as required by the California Consumer Privacy Act of 2018 (“CCPA”)
Subject to the foregoing, the CCPA Privacy Notice applies only to individuals residing in the State of California who are considered “Consumers” under the CCPA and from whom we collect “Personal Information” as described in the CCPA (“CA Consumers”). CA Consumers with disabilities who wish to access this CCPA Privacy Notice in an alternative format can contact us by sending us mail to 2093 Philadelphia Pike, Suite 1422, Claymont, DE 19703
We may collect Personal Information from you in a variety of different situations, including, but not limited to on our Site, your mobile device, through email, through the mail, and/or over the telephone. More specifically, Net Media1, LLC has collected and will collect the following categories of Personal Information from its Consumers, which will depend on the particular Business Purpose (described in How We Use Personal Information below) for which we collect it:
| Category | Examples | Collected |
| A. Identifiers | A real name, alias, postal address, unique personal identifier, online identifier, Internet Protocol address, email address, account name, Social Security number, driver's license number, passport number, or other similar identifiers. | YES |
| B. Personal information categories listed in the California Customer Records statute (Cal. Civ. Code § 1798.80(e)). | A name, signature, Social Security number, physical characteristics or description, address, telephone number, passport number, driver's license or state identification card number, insurance policy number, education, employment, employment history, bank account number, credit card number, debit card number, or any other financial information, medical information, or health insurance information. Some personal information included in this category may overlap with other categories. | YES |
| C. Protected classification characteristics under California or federal law. | Age (40 years or older), race, color, ancestry, national origin, citizenship, religion or creed, marital status, medical condition, physical or mental disability, sex (including gender, gender identity, gender expression, pregnancy or childbirth and related medical conditions), sexual orientation, veteran or military status, genetic information (including familial genetic information). | YES |
| D. Commercial information. | Records of personal property, products or services purchased, obtained, or considered, or other purchasing or consuming histories or tendencies. | NO |
| E. Biometric information. | Genetic, physiological, behavioral, and biological characteristics, or activity patterns used to extract a template or other identifier or identifying information, such as, fingerprints, faceprints, and voiceprints, iris or retina scans, keystroke, gait, or other physical patterns, and sleep, health, or exercise data. | NO |
| F. Internet or other similar network activity. | Browsing history, search history, information on a consumer's interaction with a website, application, or advertisement. | NO |
| G. Geolocation data. | Physical location or movements. | NO |
| H. Sensory data. | Audio, electronic, visual, thermal, olfactory, or similar information. | NO |
| I. Professional or employment-related information. | Current or past job history or performance evaluations. | YES |
| J. Non-public education information (per the Family Educational Rights and Privacy Act (20 U.S.C. Section 1232g, 34 C.F.R. Part 99)). | Education records directly related to a student maintained by an educational institution or party acting on its behalf, such as grades, transcripts, class lists, student schedules, student identification codes, student financial information, or student disciplinary records. | NO |
| K. Inferences drawn from other personal information. | Profile reflecting a person's preferences, characteristics, psychological trends, predispositions, behavior, attitudes, intelligence, abilities, and aptitudes. | NO |
Personal information does not include:
Net Media1, LLC obtains the categories of Personal Information listed above from the following categories of sources:
We may use or disclose the Personal Information we collect from you or about you for one or more of the following business purposes:
We will not collect additional categories of Personal Information or use the Personal Information we collected for materially different, unrelated or incompatible purposes without providing you with notice.
Subject to your right to opt-out of such sharing/sale, we may share your Personal Information for the other business purposes set forth above.
When we disclose Personal Information to a third party service provider or other entity, we enter into a contractual relationship that describes the purpose for which such third party may use the Personal Information and requires that third party to both keep the Personal Information confidential and not use it for any purpose other than the performance of its services under the applicable contract. Please note, we do not collect information from CA Consumers that we actually know are less than eighteen (18) years of age and we do not share or sell the Personal Information of CA Consumers that we actually know are less than eighteen (18) years of age. Without limiting the foregoing, we have not shared or sold the Personal Information of CA Consumers that we actually know are less than eighteen (18) years of age in the preceding twelve (12) months.
In the preceding twelve (12) months, we have disclosed the following categories of Personal Information for a business purpose:
We share your personal information with the following categories of third parties:
in the preceding twelve (12) months, we have sold the following categories of Personal Information to third parties:
In the preceding twelve (12) months, we have sold the above referenced categories of Personal Information to the third parties who purchase and/or license your Personal Information for marketing purposes, as well as the third parties who provide the products and/or services featured by and through the Site.
The CCPA provides Consumers with specific rights regarding their Personal Information. This section describes your CCPA rights and explains how to exercise those rights.
You have the right to opt-out of our sale of your Personal Information to third parties. To exercise your right to opt-out of our sale of your Personal Information to third parties, please submit a verifiable CA User request to us by either:
We endeavor to act on all opt-out requests as soon as practicable, but in all cases 15 calendar days of the receipt of your request.
You have the right to request that Net Media1, LLC disclose certain information to you about our collection and use of your Personal Information over the past 12 months. Once we receive and confirm your verifiable consumer request (see Exercising Access, Data Portability, and Deletion Rights), we will disclose to you:
You have the right to request that Net Media1, LLC delete any of your Personal Information that we collected from you and retained, subject to certain exceptions. Once we receive and confirm your verifiable consumer request (see Exercising Access, Data Portability, and Deletion Rights), we will delete (and direct our affiliates to delete) your Personal Information from our records, unless an exception applies.
In accordance with the CCPA, we may deny your deletion request under certain circumstances, and will inform you of the basis for the denial, which may include, but is not limited to, if retaining the information is necessary for us or our service provider(s) to:
To exercise the access, data portability, and deletion rights described above, please submit a verifiable consumer request to us by either:
You may only make a verifiable consumer request for access or data portability twice within a 12-month period. The verifiable consumer request must:
We cannot respond to your request or provide you with Personal Information if we cannot fully verify your identity or authority to make the request and confirm that the Personal Information relates to you.
Making a verifiable consumer request does not require you to create an account with us. However, we do consider requests made through your password protected account sufficiently verified when the request relates to Personal Information associated with that specific account.
We will only use Personal Information provided in a verifiable consumer request to verify the requestor's identity or authority to make the request.
We endeavor to respond to a verifiable consumer request within forty-five (45) days of its receipt. If we require more time (up to an additional ninety (90) days), we will inform you of the reason and extension period in writing.
We will deliver our written response by mail or electronically, at your option.
Any disclosures we provide will only cover the twelve (12)-month period preceding the verifiable consumer request's receipt. The response we provide will also explain the reasons we cannot comply with a request, if applicable.
If we determine that the request warrants a fee, we will tell you why we made that decision and provide you with a cost estimate before completing your request.
California's “Shine the Light” law (Civil Code Section § 1798.83) permits users of our Site that are California residents to request certain information regarding our disclosure of Personal Information to third parties for their direct marketing purposes.
We will not discriminate against you for exercising any of your CCPA rights. Unless permitted by the CCPA, we will not:
Net Media1, LLC reserves the right to amend this CCPA Privacy Notice in our discretion and at any time. When we make changes to this CCPA Privacy Notice, we will post the updated CCPA Privacy Notice on the Site and update the CCPA Privacy Notice's Effective Date above. Your continued use of our Site or interaction with us through other methods following the posting of changes and/or our directing you to the updated CCPA Privacy Notice constitutes your acceptance of such changes.
If you have any questions or comments about this notice, the ways in which Net Media1, LLC collects and uses your information described above [and in the Privacy Policy ], your choices and rights regarding such use, or wish to exercise your rights under California law, please do not hesitate to contact us at:
Email: Click Here
Postal
Address: 2093 Philadelphia Pike, Suite 1422, Claymont, DE 19703
ATTN: Privacy Department
"You" or "Your" means you, a participant in or as a user of the Direct Loans For You programs. "Our" or "Company" means Oakwood Financial. "Our Website" also means Direct Loans For You.
PLEASE READ THIS AGREEMENT CAREFULLY BEFORE ACCESSING THE SITE.
BY USING THE SITE, YOU WILL BE ACKNOWLEDGING THAT YOU HAVE READ THIS AGREEMENT AND AGREED WITHOUT LIMITATION OR QUALIFICATION, TO BE LEGALLY BOUND BY THIS AGREEMENT AND THE TERMS OF THE Oakwood Financial PRIVACY POLICY and E-CONSENT.
IF YOU DO NOT WISH TO BE BOUND BY THESE Terms of Website Use, YOU MAY NOT ACCESS OR USE THE SITE.
THE COMPANY MAY, FROM TIME TO TIME, MAKE CHANGES OR ADDITIONS TO THIS AGREEMENT, AND YOUR CONTINUED USE OF THE SITE AFTER THE COMPANY MAKES SUCH CHANGES OR ADDITIONS WILL SIGNIFY THAT YOU AGREE TO SUCH CHANGES OR ADDITIONS. YOU SHOULD THEREFORE PERIODICALLY VISIT THIS PAGE TO REVIEW THE THEN CURRENT Terms of Website Use.
The Company, authorizes you to use this Site and to display its content but solely for your own personal noncommercial use. Any other use is strictly prohibited. You agree not to reproduce, duplicate, copy, sell, resell or exploit for any commercial purposes, any material at the Site, use of the Site, or access to the Site. By using this Site you acknowledge that you have read and understood the terms of the Direct Loans For You PRIVACY POLICY and E-CONSENT and agree to said terms.
Everything that appears on the Site is protected under the copyright laws of the United States and other countries and may not be used except as provide in these Terms of Website Use. The Company neither represents nor warrants that your use of materials displayed at the Site will not infringe rights of third parties.
While the Company uses reasonable efforts to include accurate and up to date information at the Site, the Company makes no warranties or representations as to the Site's accuracy. The Company disclaims any and all liability for the accuracy, completeness, or correctness of such information.
While the Company uses reasonable efforts to safeguard the security of the Site, there can be no guaranty that such safeguards will successfully prevent unauthorized alterations in the content or functionality of the Site. The Company assumes no liability or responsibility for any unauthorized alterations in the content or functionality of the Site.
Neither the Company nor any other party involved in creating, producing, or delivering the Site makes any representations about the suitability of the content of this Site for any purpose, nor that your use of the Site will be uninterrupted or error-free. EVERYTHING ON THIS SITE IS PROVIDED TO YOU 'AS IS' WITHOUT WARRANTY OF ANY KIND, EITHER EXPRESSED OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT. Please note that some jurisdictions may not allow the exclusions of implied warranties, so some of the above exclusions may not apply to you. Check your local laws for any restrictions or limitations regarding the exclusion of implied warranties.
Neither the Company nor any other party involved in creating, producing, or delivering the Site assumes any responsibility, and shall not be liable for, any damages to, or viruses that may infect, your computer equipment or other property on account of your access to, use of, or browsing in the Site or your downloading of any materials, data, text, images, video, or audio from this Site. Your use of and browsing in the Site are at your risk. NO SUCH PARTY SHALL BE LIABLE FOR ANY INCIDENTAL, CONSEQUENTIAL, SPECIAL, INDIRECT, OR PUNITIVE DAMAGES ARISING OUT OF YOUR ACCESS TO, OR USE OF, THE SITE. IN NO EVENT SHALL THE COMPANYS TOTAL LIABILITY TO YOU FOR ALL DAMAGES, LOSSES, AND CAUSES OF ACTION WHETHER IN CONTRACT, WARRANTY, TORT (INCLUDING, BUT NOT LIMITED TO, NEGLIGENCE), STRICT LIABILITY OR OTHERWISE, EXCEED THE AMOUNT PAID BY YOU, IF ANY, FOR ACCESSING THIS SITE.
Any unsolicited communication or material that you transmit to the Site by electronic mail or otherwise, including any data, questions, comments, suggestions, or the like is, and will be treated as, non-confidential and non-proprietary. Any unsolicited communication or material that you transmit or post may be used by the Company or its affiliates for any purpose, including, but not limited to, reproduction, disclosure, transmission, publication, broadcasting, distribution or posting. Furthermore, the Company will be free to use any ideas, concepts, know-how, or techniques contained in any unsolicited communication or material that you send to the Site for any purpose whatsoever including, but not limited to developing, manufacturing and marketing products using such information.
Images of people or places displayed on the Site are either the property of, or used with permission by, the Company. Any unauthorized use of the images may violate copyright laws, trademark laws, the laws of privacy and publicity, and communications regulations and statutes.
The trademarks, logos, and service marks (collectively the 'Trademarks') displayed on the Site, are registered and unregistered Trademarks of the Company and others. Nothing contained on the Site should be construed as granting, by implication, estoppel, or otherwise, any license or right to use any Trademark displayed on the Site without the written permission of the Company or such third party that may own the Trademarks displayed on the Site. Your use of the Trademarks displayed on the Site, or any other content on the Site, except as provide in these Terms of Website Use, is strictly prohibited. You are also advised the Company will aggressively enforce its intellectual property rights to the fullest extent of the law, including the seeking of criminal prosecution.
The Company has not reviewed any sites that may be linked to the Site and is not responsible for the content of any off-site pages or any other sites linked to the Site. Your linking to any other off-site pages or other sites is at your own risk.
Although the Company may from time to time monitor or review postings, transmissions, and the like on the Site, the Company is under no obligation to do so and assumes no responsibility or liability arising from the content of any such locations nor for any error, defamation, libel, slander, omission, falsehood, obscenity, pornography, profanity, danger, or inaccuracy contained in any information within such locations on the Site. You are prohibited from posting or transmitting any unlawful, threatening, libelous, defamatory, obscene, scandalous, inflammatory, pornographic, or profane material or any material that could constitute or encourage conduct that would be considered a criminal offense, give rise to civil liability, or otherwise violate any law. The Company retains the right to remove any such posting and will fully cooperate with any law enforcement authorities or court order requesting or directing the Company to disclose the identity of anyone posting any such information or materials.
Your correspondence or business dealings with, or participation in promotions of, advertisers found on or through the Site, including payment and delivery of related goods or services, and any other terms, conditions, warranties or representations associated with such dealings, are solely between you and such advertiser. You agree that the Company shall not be responsible or liable for any loss or damage of any sort incurred as the result of any such dealings or as the result of the presence of such advertisers on the Site.
The Company may give notice to its users by means of a general notice on this Site, electronic mail to a user's e-mail address on its records, or by written communication sent by first class mail to a user's address on its records.
None of the products or underlying information or technology available at this Site may be downloaded or otherwise exported (i) into (or to a national or resident of) Cuba, Iraq, Iran, Libya, North Korea, Sudan, Syria, or any other country to which the United States has embargoed goods; or (ii) to anyone on the United Stated Treasury Department's list of Specially Designated Nationals or the U.S. Commerce Department's Table of Deny Orders. By downloading from, or using the Site, you represent and warrant that you are not located in, under the control of, or a national or resident of any such country or on any such list. You further agree to indemnify the Company against any all costs, liabilities, losses or expenses arising from, or relating to, any asserted violation by you of any of the laws and administrative regulations of the United States relating to the control of exports of commodities and technical data.
You agree that you will not use any robot, spider, Web crawler, screen scraper, automated query program or other automatic device or manual process to monitor or copy our web pages or the content contained herein without our prior expressed written permission. You agree that you will not use any device, software or routine to interfere or attempt to interfere with the proper working of the Site. You agree that you will not take any action that poses an unreasonable or disproportionately large load on our infrastructure. You agree that you will not copy, reproduce, alter, modify, create derivative works, or publicly display any content from our Web site without the prior expressed written permission of the Company or the appropriate third party.
These Terms of Website Use shall be governed by and construed in accordance with the laws of the home state of Oakwood Financial, without giving effect to any principles of conflicts of law. You agree that any action at law or in equity arising out of or relating to these Terms of Website Use shall be filed only in the state or federal courts located in home state of Oakwood Financial, and you hereby consent and submit to the personal jurisdiction of such courts for the purposes of litigating any such action. If any provisions of these Terms of Website Use shall be unlawful, void, or for any reason unenforceable, then the provision shall be deemed severable from these Terms of Website Use and shall not affect the validity and enforceability of any remaining provisions. Our failure to act with respect to a breach by you or others does not waive our right to act with respect to subsequent or similar breaches. This Agreement sets forth the entire understanding and agreement between us with respect to the subject matter hereof.
By submitting your loan request, you are providing express written consent under the Fair Credit Reporting Act for each lender to whom we transmit your information to obtain, in response to your inquiry, a credit check or consumer report from a consumer reporting agency. This credit check can include a hard pull, which may impact your credit score.
By submitting your loan request, you are providing express written consent under the Telephone Consumer Protection Act to be contacted by each lender to whom we transmit your information, and their affiliates and service providers, as well as Ovation Credit Services, Inc., a LendingTree company, by telephone at the contact numbers you have provided, even if your contact number is on any Do-Not-Call registry, and you agree to receive telemarketing calls or SMS text messages made with an automatic telephone dialing system or that use a prerecorded voice. Consent is not required in order to purchase goods and services from us or the lenders that reach out to you.
Please read this information carefully and print a copy and/or retain this information for future reference.
You are submitting a request to be connected with one of our third party lenders or lending partners. In order to offer you a loan, the third party lenders or lending partners need your consent to use and accept electronic signatures, records, and disclosures ("E-Consent"). This form notifies you of your rights when receiving electronic disclosures, notices, and information. By clicking on the link assenting to our terms, you acknowledge that you received this E-Consent and that you consent to conduct transactions using electronic signatures, electronic disclosures, electronic records, and electronic contract documents ("Disclosures").
You may request any Disclosures in paper copy by contacting the third party lender or lending partner directly. They will provide paper copies to you. Some may charge for these copies and some may not. The lenders or lending partners will retain all Disclosures as applicable law requires.
This E-Consent applies to all interactions online concerning you and the third party lender or lending partner and includes those interactions engaged in on any mobile device, including phones, smart-phones, and tablets. By exercising this E-Consent, the third party lender or lending partner may process your information and interact during all online interactions with you electronically. They may also send you notices electronically related to its interactions and transactions. Disclosures may be provided online at our or third party lenders' or lending partners' websites, and may be provided by e-mail.
Before you decide to do business electronically with the third party lenders or lending partners, you should consider whether you have the required hardware and software capabilities described below.
To access and retain the Disclosures electronically, you will need to use the following computer software and hardware: A PC or MAC compatible computer or other device capable of accessing the Internet, access to an e-mail account, and an Internet Browser software program that supports at least 128 bit encryption, such as Microsoft© Internet Explorer, Chrome© or Mozilla Firefox©. To read some documents, you may need a PDF file reader like Adobe© Acrobat Reader X©. You will need a printer or a long-term storage device, such as your computer's disk drive, to retain a copy of the Disclosures for future reference. You may send any questions regarding the hardware and software requirements directly to the third party lenders or lending partners.
Your E-Consent for our connecting service and for our third party lenders' or lending partners' consideration of your connecting request cannot be withdrawn because it is a one-time transaction. If you are connected with one or more third party lenders or lending partners, you are free to withdraw your E-Consent with them at any time and at no charge. However, if you withdraw this E-Consent before receiving credit, you may be prevented from obtaining credit from the lender or lending partner. Contact the third party lender or lending partner directly if you wish to withdraw this E-consent. If you decide to withdraw this E-Consent, the legal effectiveness, validity, and enforceability of prior electronic Disclosures will not be affected.
You should keep third party lenders or lending partners informed of any change in your electronic address or mailing address. You may update such information by logging into their website or by sending them a written update by mail.
BY CLICKING THE LINK, YOU ASSENT TO OUR TERMS. YOU ACKNOWLEDGE THAT YOU CAN ACCESS THE DISCLOSURES IN THE DESIGNATED FORMATS DESCRIBED ABOVE.
BY CLICKING THE LINK, YOU ASSENT TO THE TERMS. YOU ACKNOWLEDGE YOU HAVE READ THIS INFORMATION ABOUT ELECTRONIC SIGNATURES, RECORDS, DISCLOSURES, AND DOING BUSINESS ELECTRONICALLY. YOU CONSENT TO USING ELECTRONIC SIGNATURES, HAVING ALL DISCLOSURES PROVIDED OR MADE AVAILABLE TO YOU IN ELECTRONIC FORM AND TO DOING BUSINESS WITH THE LENDER OR LENDING PARTNER ELECTRONICALLY. YOU ACKNOWLEDGE THAT YOU MAY REQUEST A PAPER COPY OF THE ELECTRONIC RECORDS AND DISCLOSURES, WHICH WILL BE PROVIDED TO YOU AT NO CHARGE. IF YOU REFRAIN FROM PROCEEDING THEN YOU NEITHER WISH TO USE ELECTRONIC SIGNATURES NOR CONDUCT THIS TRANSACTION ELECTRONICALLY. YOU ALSO ACKNOWLEDGE THAT YOUR CONSENT TO ELECTRONIC DISCLOSURES IS REQUIRED TO RECEIVE SERVICES FROM THIRD PARTY LENDERS OR LENDING PARTNERS OVER THE INTERNET.
You acknowledge, agree, and authorize that:
(a) Direct Loans For You, it's providers, and respective agents may obtain consumer and related information about you from one or more consumer reporting agencies via soft credit check to assess your eligibility for credit and identify products/services you may prequalify for,
(b) your information may be sent to lenders and/or service providers on your behalf,
(c) your information may be used to verify your identity,
(d) the lenders and/or service providers may obtain consumer reports and related information about you from one or more consumer reporting agencies (such as TransUnion, Experian and Equifax),
(e) and your information may be used by lenders and/or service providers to make prequalification and other credit decisions.