Lendinsta ("we" or "our") owns and operates the website located at lendinsta.com, (the "Site"). Lendinsta provides and maintains this site for your information, conditioned on your acceptance, without modification, of the terms, conditions and notices contained in this Terms of Use. By accessing and using the site, you accept and agree, without limitation, to the following:
We are not in itself a lender. All specific loan products will be offered to you directly from the lender and we therefore take no responsibility for any credit decisions that are made by the lender about you. There are no specific loan products offered on this site.
You agree that by clicking "Get Started" (or any similar button you use to submit a request to be connected with a lender) it acts as your electronic signature. You grant further consent that we and any lender we forward your request to have the ability to communicate with you electronically and we may provide you electronically with any required disclosures, including without limitation notices of adverse action a lender is required to send you. You also confirm you have the ability to access documents electronically, including having the ability to view and save PDF files.
We reserve the right to reject an inquiry from you at any time for any reason not prohibited by law. We may require verification or additional information before a loan request from you is accepted. After submitting your information via a form on our site, you will be connected with a lender to be further considered based on the policies and procedures of that lender. This does not mean your loan has been approved. Approval of loans is solely the decision of the lender. We take no responsibility for taking, approving or denying any loan request made by you. When you submit your information, you agree that if we are unable to find a lender offering the type of loan you initially requested, we will search our lender network to determine whether alternative lenders with different loan products may be able to help you.
Participating lenders in our network may verify your Social Security number, driver's license number, or any other official federal or state identification, and may review your credit history through national databases which may include TransUnion, Equifax, Experian, and other credit reporting or consumer data agencies. Depending on the individual lender's underwriting process, this review may be a Hard credit inquiry, which is recorded on your credit report and may affect your credit score, or a Soft credit inquiry, which is not. When you submit your information to us, you consent to allowing lenders to perform any type of underwriting they may require to evaluate your ability to repay any offered loan, including credit checks and employment verification.
To submit a loan request you must be 18 years old or older and a legal resident of the United States. You also agree not to use this site for any inappropriate or illegal activities.
You agree to abide by all applicable federal or state laws, statutes, regulations and ordinances regarding your use of this site and your acceptance or purchase of products or services via any of this site's third-party vendors. We may, at our sole discretion, report perceived or actual violations of law to authorities. If any potential or suspected violation of these Terms of Use or of our Privacy Policy comes to our attention, we may, although we are not obligated to, launch an investigation to ascertain the nature and extent of the potential or suspected violation, and appropriate enforcement action may then be taken. During such investigations, we reserve the right to suspend services to any customer under investigation and may remove data from our servers to prevent or minimize further violations. Should you be the subject of any such investigation, you agree to cooperate fully. You acknowledge you could be subject to criminal or civil penalties for violating these Terms of Use or the Privacy Policy.
All trademarks, characters, titles, graphics, trade names, designs and other property, including all text, images and software appearing on this site, are the intellectual property of Lendinsta, its licensees, and other third parties who may have authorized use of such properties.
You have permission to view and make copies for your own records of documents, images, pages or other material or content on this site for the sole purpose of making a loan request. We reserve all other rights to this site and its contents. You are prohibited from distributing, displaying, transmitting or disseminating any documents, pages, images, materials or content without our prior written consent. Nothing on this site should be construed as conferring any rights or licenses to any trademark, copyright or other intellectual property right.
We use commercially reasonable efforts to ensure the information on this site is accurate, but that accuracy is not guaranteed. We offer no representations regarding your use of this site or the results you may or may not obtain through your use of it.
NEITHER WE NOR ANY OTHER PARTY INVOLVED IN CREATING, DELIVERING OR PRODUCING THIS SITE SHALL BE DEEMED LIABLE FOR ANY DIRECT, INDIRECT, CONSEQUENTIAL, INCIDENTAL, SPECIAL OR PUNITIVE DAMAGES ARISING OUT OF YOUR ACCESS TO, OR USE OF, THIS SITE. EVERYTHING PROVIDED ON THIS SITE IS "AS IS" AND WITHOUT ANY WARRANTY OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO ANY FITNESS FOR A PARTICULAR PURPOSE, WARRANTY OF MERCHANTABILITY OR NON-INFRINGEMENT. THESE LIMITATIONS AND EXCLUSIONS APPLY TO THE FULLEST EXTENT PERMITTED BY LAW.
This site may contain links to third party websites. We are not responsible for the privacy policies or content of third party websites, and the existence of such links should not be considered a recommendation or endorsement of those websites, or of any products, services, or third parties associated with them.
Our Privacy Policy, incorporated herein by reference, applies to any data supplied via this Site. The Privacy Policy clarifies your rights and our responsibilities regarding your personal information. We undertake not to use your information in any way inconsistent with the limitations and purposes provided in the Privacy Policy. We reserve the right, at our sole discretion, to modify the Privacy Policy at any time 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.
We guard your personal information using industry-recognized technology. Although we take commercially reasonable measures to secure your personal information when submitted through this site, we cannot guarantee your information will not be decrypted or intercepted by others. So long as we use commercially reasonable security measures, we accept no responsibility for such decryption or interception except as required by law.
We do not charge any fees for you to use this Site or our marketplace service. We are not acting as an agent for you, any lender, or any vendor or supplier used to evaluate your loan inquiry or any other use of this site. We may receive compensation for our services from lenders and other third parties.
These Terms of Use and the Privacy Policy are governed by and construed in accordance with the laws of the State of Louisiana, without regard to conflict of law provisions, except to the extent governed by the Federal Arbitration Act as set forth below. Subject to the binding arbitration agreement below, the state and federal courts located in Jefferson Parish, Louisiana shall have exclusive jurisdiction over any dispute not subject to arbitration.
PLEASE READ THIS SECTION CAREFULLY, AS IT AFFECTS YOUR LEGAL RIGHTS. Any dispute, claim or controversy arising out of or relating to these Terms of Use, the Service, or your relationship with Lendinsta will be resolved exclusively through final and binding arbitration, governed by the Federal Arbitration Act, rather than in court, except that either party may bring an individual claim in small claims court where it qualifies.
You and Lendinsta agree that each may bring claims only in an individual capacity, and not as a plaintiff or class member in any purported class, collective, or representative proceeding. You and Lendinsta each waive the right to a trial by jury.
Before initiating arbitration, the party asserting a claim must send a written Notice of Dispute describing the claim and the relief sought. Notice to Lendinsta must be sent to 4051 Veterans Blvd, 209-121, Metairie, LA 70002, USA. The parties will attempt in good faith to resolve the dispute within sixty (60) days of the Notice being received.
Arbitration will be administered by the American Arbitration Association under its Consumer Arbitration Rules, unless the parties agree otherwise in writing. For claims of ten thousand dollars ($10,000) or less, you may choose whether arbitration is conducted based on documents only, by telephone, or in person. Where required under the AAA Rules to avoid the arbitration being cost-prohibitive to you, Lendinsta will pay the applicable arbitration fees.
If the class action waiver in this section is found unenforceable, the remainder of this arbitration agreement will be void, and the dispute will proceed in the courts identified above; the rest of these Terms of Use will remain in effect.
We reserve the right to modify these Terms of Use occasionally and without prior notice to you. Your use of this site after such modification constitutes your agreement to and acceptance of any new or amended terms.
By using this site, you agree to defend, indemnify and hold harmless Lendinsta, its subsidiaries, affiliates, agents, officers and other partners and employees from any liability, loss, claim or demand, including reasonable attorneys' fees, made by any third party arising out of or due to your use or attempted use of the site.
By using the site, you agree and understand Lendinsta may, at its sole discretion and without prior notice to you, terminate your access to this site and to any services offered, and may remove any content you have provided if Lendinsta believes such content is inconsistent with or violates 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.
ANY PROCEEDINGS TO RESOLVE, ARBITRATE OR LITIGATE ANY DISPUTE IN ANY FORUM WILL BE CONDUCTED SOLELY ON A CASE-BY-CASE BASIS. NEITHER YOU NOR WE WILL SEEK TO HAVE A DISPUTE HEARD AS A CLASS ACTION, OR A PRIVATE ATTORNEY GENERAL ACTION, OR IN ANY OTHER PROCEEDING IN WHICH EITHER PARTY WILL ACT OR PROPOSE TO ACT IN A REPRESENTATIVE CAPACITY. NO PROCEEDING OR ARBITRATION WILL BE COMBINED WITH ANOTHER WITHOUT THE PRIOR WRITTEN CONSENT OF ALL PARTIES TO ALL AFFECTED PROCEEDINGS OR ARBITRATIONS. YOU FURTHER AGREE YOU WILL NOT SEEK TO HAVE ANY DISPUTE AGAINST ANY LENDER TO WHOM YOU ARE REFERRED HEARD AS A CLASS ACTION, OR A PRIVATE ATTORNEY GENERAL ACTION, OR IN ANY OTHER PROCEEDING IN WHICH EITHER PARTY WILL ACT OR PROPOSE 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 PERMITTED BY LAW.
All rights not expressly granted to you are reserved for us. Headings used in these Terms of Use are for ease of reference only, and shall not affect interpretation or construction. Lendinsta's failure to enforce or insist upon strict performance of any provision shall not be construed as a waiver of that provision or any future provision or right. If any provision of these Terms of Use is held unenforceable or invalid, that determination shall not affect such provision in any other respect or any other provision, which shall remain in full effect and force. These Terms of Use, together with the Privacy Policy, constitute the full understanding and agreement between the parties with respect to the subject matter contained herein, and replace and supersede any and all prior written or oral agreements related to that subject matter.
Address: 4051 Veterans Blvd, 209-121, Metairie, LA 70002, USA
Email Address: contact@lendinsta.com
PLEASE NOTE, SHOULD YOU HAVE ANY QUESTIONS PERTAINING TO YOUR LOAN REQUEST STATUS, YOU MUST CONTACT YOUR LENDER DIRECTLY. LENDINSTA IS NOT YOUR LENDER AND CANNOT ACCESS INFORMATION ABOUT YOUR LOAN APPROVAL OR STATUS.
You agree to provide "prior express written consent," under the definition outlined in the Telephone Consumer Protection Act (TCPA), to receive telephone calls, including artificial voice calls, pre-recorded messages and/or calls delivered via automated technology, and text and SMS messages, at the telephone number(s) you provided to us, from Lendinsta and our network partners, including lenders and/or other network providers. You are not required to provide this consent to use the services offered on lendinsta.com. Your consent simply allows us to contact you via these means. If you provide consent, Lendinsta and our affiliates or marketing partners may send you SMS messages from their short codes or long codes. Recurring messages are a maximum of nine (9) messages per week. Message and data rates may apply. Text STOP to opt out of future messages. Mobile carriers are not liable for delayed or undelivered messages.
