Welcome to LoanTerms(the Site), owned and operated by Platino Interprises S.A. (we or us). Set forth below are certain terms and conditions that will govern your use of the Site (the Terms of Use). By visiting the Site, you acknowledge that you have read and understood the Terms of Use and agree to be bound by them. If you do not agree to any of the Terms of Use, DO NOT use the Site or any product or service offered on the Site.
Unless prohibited by law, we reserve the right to amend the Terms of Use at any time, effective immediately upon posting on the Site. Your use of the Site following the posting of any amendment to the Terms of Use will signify and constitute your assent to and acceptance of the amended Terms of Use.
You understand that: (1) your use of the Site will also be subject to our Privacy Policy; and (2) if you submit an application on the Site, you will also be required to affirmatively accept our Financial Terms and Conditions which will govern any and all transactions between you and us resulting from your application. Our Privacy Policy and Financial Terms and Conditions are referred to hereinafter collectively as the Other Legal Notices.
The Site, and all content, material, data and information appearing on or within the Site (collectively the Site Content), is protected by U.S. and international copyright laws, trademark laws, and other proprietary rights laws. The Site and the Site Content is provided for your personal, private, and non-commercial use only. Unless expressly authorized by us, (1) the Site Content may not be copied, reproduced, republished, transmitted, distributed, uploaded, posted, used to create a derivative work, or exploited in any other manner or media, (2) you may not link to, frame, or otherwise use the Site or the Site Content to misrepresent or imply that you or any other person or entity, or any product or service offered by you or any other person or entity, is endorsed, sponsored, or approved by, or is otherwise affiliated, associated or connected with, us or the Site, and (3).
We own the trademark LoanTerms and all other marks and logos appearing on the Site (collectively the Marks). You may make reference to the Marks solely for purposes of identifying us or the Site, but only if your reference is truthful and not misleading. Unless expressly authorized by us, you may not incorporate any of the Marks into your or anyone else's name, mark, logo, domain name, link, or designation.
The Site may contain links to third-party websites. These links are provided for your convenience only and do not constitute our endorsement, sponsorship, or approval of such linked websites, their content, or their owners, operators or sponsors. We do not own or control such linked websites, and you access and use such linked websites entirely at your own risk.
6.1 UNLESS EXPRESSLY OTHERWISE STATED, THE SITE AND THE SITE CONTENT IS PROVIDED AS IS AND AS AVAILABLE, WITHOUT WARRANTY OF ANY KIND, EXPRESS OR IMPLIED. WITHOUT LIMITING THE GENERALITY OF THE FOREGOING, WE SPECIFICALLY DISCLAIM ANY AND ALL IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE, AND ALL WARRANTIES OF TITLE, NON-INFRINGEMENT, ACCESSIBILITY, SECURITY, AND ACCURACY.
6.2 IN NO EVENT SHALL WE OR ANY OF OUR AFFILIATES, SPONSORS OR BUSINESS PARTNERS BE LIABLE UNDER CONTRACT, TORT, NEGLIGENCE, STRICT LIABILITY OR ANY OTHER LEGAL OR EQUITABLE THEORY, FOR ANY INDIRECT, INCIDENTAL, EXEMPLARY, SPECIAL, PUNITIVE OR CONSEQUENTIAL DAMAGES (INCLUDING, WITHOUT LIMITATION, LOSS OF USE, LOST PROFITS, LOSS OF DATA OR INFORMATION OF ANY KIND, OR LOSS OF BUSINESS GOODWILL OR OPPORTUNITY) ARISING FROM OR IN CONNECTION WITH YOUR USE OF, YOUR INABILITY TO USE, OR YOUR RELIANCE UPON, THE SITE OR THE SITE CONTENT, REGARDLESS OF WHETHER OR NOT WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH LOSS OR DAMAGES.
6.3 BECAUSE SOME STATES DO NOT ALLOW THE LIMITATION OR EXCLUSION OF LIABILITY FOR INCIDENTAL OR CONSEQUENTIAL DAMAGES, THE ABOVE LIMITATION MAY NOT APPLY TO YOU.
YOU AGREE TO DEFEND, INDEMNIFY AND HOLD US AND OUR AFFILIATES, SPONSORS, AND BUSINESS PARTNERS HARMLESS FROM AND AGAINST ANY AND ALL CLAIMS, CAUSES OF ACTION, DEMANDS, SUITS, PROCEEDINGS, JUDGMENTS, ORDERS, DAMAGES, LIABILITIES, LOSSES, COSTS AND EXPENSES (INCLUDING, WITHOUT LIMITATION, REASONABLE ATTORNEYS' FEES) ARISING OUT OF, FROM OR IN CONNECTION WITH (1) YOUR USE OF, YOUR INABILITY TO USE, OR YOUR RELIANCE UPON, THE SITE OR THE SITE CONTENT, OR (2) YOUR BREACH OR VIOLATION OF ANY OF THE TERMS OF USE OR THE OTHER LEGAL NOTICES.
The Terms of Use shall be governed by and construed in accordance with the laws of the state of Nevada , without regard to its conflict of laws principles. Any dispute arising between you and us concerning the Site or the Terms of Use shall be decided exclusively by state and federal courts located in Washoe County, State of Nevada. If any portion of the Terms of Use is deemed invalid by a court of competent jurisdiction, the invalidity of such portion shall not affect the validity of the remaining portions of the Terms of Use, all of which shall remain in full force and effect. No waiver of any portion of the Terms of Use shall be deemed a further or continuing waiver of such portion or a waiver of any other portion, and our failure to assert any right or provision under the Terms of Use shall not constitute a waiver of such right or provision.
If you submit an application on the Site, you understand and acknowledge that the following terms and conditions (including, without limitation, those terms and conditions set forth in all agreements and instruments referenced herein below) will govern and apply to any and all transactions between you and us resulting from your application:
1. Your Final Digital Signature under The Federal E-Sign Act (HR-1714) will serve as verification for any transaction in connection with this Secured Installment Agreement: The E-Sign Act grants electronic signatures and documents equivalent legal status as traditional handwritten signatures. By completing our online application, you are certifying that your digital signature is the equivalent of your handwritten signature. Furthermore, you agree that you have read all of the agreement and are agreeing to and signing each section of this Agreement with your digital signature.
2. You certify that you are of legal contracting age and that you have read all the terms, authorizations and disclosures that were included with your Application. You understand that the information that you provide is given to obtain a Cash Advance from LoanTerms and warrant that it is true and complete.
3. You certify that you have read and agree to the Third Party Service Provider risk free trial membership programs below under separate heading titled INCLUDED THIRD PARTY SERVICE PROVIDERS MEMBERSHIP PROGRAMS and understand you will automatically be enrolled and entitled to receive these trials upon completing your application, regardless of its approval status.
To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify and record information that identifies each person who opens and account. What this means to you: When you apply for an account. We will ask for your name, address, date of birth and other information that will allow us to identify you. We may ask you to provide us with other identifying documents or written confirmations.
Correspondence Mailing Address
loanterms.cl, Operations Dept
Guardia Vieja 255 Ofic. 1302
Providencia
Santiago-Chile
By agreeing to these terms and conditions, I authorize the merchant of this site to provide my bank account information I provide on this site, to the Third Party Service providers of the two separate risk free trial memberships described below.
FREEDOM SUBSCRIPTION: Risk Free Trial: Your Approved for an Interest Free Line of Credit in the amount of $10,500, along with a Stored Value MasterCard or Visa card. By becoming a FREEDOM Member today, you will also receive Two Free Airline tickets with resort stay throughout Mexico and the U.S. You will receive your FREEDOM membership login credentials including 100 additional benefits via e-mail within 1 business day from your authorization. YOU HEREBY AUTHORIZE FREEDOM MEMBERSHIP to debit your bank account for the weekly dues of only Eight dollars and Forty Two cents starting immediately. Remember this is a risk free offer and for your convenience, you can contact us at the customer service site located on your bank statement or fulfillment email, within the first 7 days of the billing to receive a 100% refund. Refunds are only available with in the 7 day time frame from initial charge. You may cancel the membership at anytime and you will not incur a cancellation fee. Simply contact the customer service site located on your bank statement to cancel.
VOICEMAIL SUBSCRIPTION: Your are entitled to receive a Voicemail account where you can privatize your communication and have an easy way to check voicemail's using a Toll Free number. Best of all this can be billed to your current Landline Telephone Bill. By agreeing to these terms, I confirm the information submitted is correct and that I am 18 years old or older and are duly authorized by the telephone account owner to make changes to and/or incur charges on this telephone bill account provided. The SVM Voicemail service is $19.95 per month and will appear on your local telephone bill on the ESBI page as being billed on behalf of SVM Voicemail unless you cancel. SVM Voicemail is not affiliated with your local telephone company. You can cancel at anytime by calling Customer Service at 877-807-4701. For Refunds, you may receive a Refund for one months service, which will be credited back and show to your Local Landline Telephone account bill within 60 days or two billing cycles.
You also understand and agree that other Trial program/s may be substituted at site owners discretion, for either or both of the programs described herein, as long as the new trial offers have equal or better terms, including monthly fees, and benefits.
Thank you for visiting LoanTerms (the Site), owned and operated by Platino Interprises S.A. (we or us). We respect the privacy of your personal information. To better protect your privacy, this Privacy Policy informs you about our online information practices and the choices available to you concerning our use of personal information collected online through the Site.
By visiting the Site, you acknowledge that you have read and understood this Privacy Policy and agree to be bound by its terms. If you do not agree to any of the terms contained in this Privacy Policy, DO NOT use the Site or any product or service offered on the Site, or provide any personal information on or through the Site.
Effective January 1, 2005, California Civil Code
Section 1798.83 requires that, if a business has an established
business relationship with a California resident and has within
the immediately preceding calendar year shared such resident's
personal information with any third party for such third party's
direct marketing purposes, then the business must disclose such
information-sharing to the resident upon request, including what
personal information was shared, and with whom it was shared.
However, a business is deemed in compliance with the foregoing
if: (1) it has a published privacy policy of not sharing a customer's
personal information with third parties for direct marketing purposes
without the customer's consent (either opt-in or opt-out); and
(2) it provides the customer upon request with a notice of his/her
choice to prevent such sharing and a cost-free means to exercise
that choice. As a general matter, consent by opt-in means that
a business will not share a customer's personal information with
third parties for their direct marketing use, unless the customer
affirmatively consents to such sharing (e.g., by checking a box
or clicking on a button to manifest consent). On the other hand,
consent by opt-out means that a business may share a customer's
personal information with third parties for their direct marketing
use, unless the customer expressly disallows or objects to such
sharing (e.g., by checking a box or clicking on a button to manifest
disallowance or objection).
Our general policy is not to share
your personal information with third parties for their direct
marketing use, unless you actively opt-in to such use that is,
if you affirmatively agree to allow us to share your personal
information with third parties so that they may contact you directly
with information and offers about their products or services.
Our information-sharing policy is described in more detail in
Section 5 below. California customers may request an informationsharing
disclosure from us by emailing your request to Po Box 52080 Sparks,
NV 89435 . Please note that, under the law, we are not required
to respond to your request more than once in a calendar year,
nor are required to respond to any requests that are not sent
to the above-designated e-mail address.
As a general matter, we may collect the following types of information from users who use or visit the Site: (1) personally identifiable information; and (2) non-personally identifiable information.
3.1 Personally Identifiable Information. This is any information by which you can be identified, such as your name, address, telephone number, email address, and birth date (hereinafter personal information). You can access the general information areas on the Site without disclosing any personal information to us. However, if you decide to submit an application on the Site, you will be required to disclose your full name, address (with zip code), telephone number, email address, driver license state and number, social security number, birth date, and bank account information during the application process. The foregoing information is necessary in order for us to process your application and enroll you into one of our loan or credit programs (if we determine you are eligible). We urge you to learn more about our program by reading the FAQ's section on the Site before submitting an application on the Site. Also, if you contact us to make requests or ask questions, we may require you to provide certain personal information (such as your name and email address) in order to be able to respond to your requests or questions.
3.2 Non-personally Identifiable Information. This is any information that we may collect regarding your use of the Site that does not identify you personally, such as your IP address (i.e., a number that is assigned to your computer whenever you connect to the internet), the type of browser that you use (e.g., Netscape, Internet Explorer), the type of operating system that you use (e.g., Windows or Mac OS), and the domain name of your internet service provider (e.g., America Online, Earthlink). Also, we may collect aggregate or group data that describe the demographics, usage and/or characteristics of our visitors as a group. We use non-personally identifiable information to administer the Site, to analyze Site usage and traffic, to improve the design and content of the Site, and to enable us to personalize your experience on the Site.
4.1 General. By submitting an application on the Site, you agree to allow us to use your personal information for all legitimate and lawful purposes, including, without limitation: (1) processing your application, assessing your eligibility for our loan or credit programs, and contacting you regarding your application; (2) carrying out any and all transactions resulting from your application, and contacting you concerning transactional matters; (3) establishing and administering your account with us, communicating with you regarding your account, and sending you account statements; (4) our marketing use (as further described in Section 4.3 below); (5) as necessary to enforce the terms and conditions that govern your use of the Site or any transactions between you and use; and (6) as permitted or required by law or court or government orders, or as necessary to comply with requests by law enforcement agencies (e.g., we are required by state law to notify you and to cooperate with law enforcement and credit reporting agencies, in the event of an actual or suspected breach of the security of your personal information stored by us).
4.2 Use of Certain Sensitive Information. Subject to the generality of Section 4.1 above, set forth below is how we use your bank account information and social security number:
4.2.1 Bank Account Information. In order for us to enroll you into one of our loan or credit programs, you will be required to provide certain information about your bank accounts on the application. We will use this information to process payments on your account. Also, by submitting your bank account information to us, you authorize us to periodically verify that your bank account continues to be a valid and active one. We may engage outside vendors to perform payment processing and/or bank account verification for us. In such case, we will share your bank account information with such outside vendors for the sole purpose of enabling them to perform related services to us, and will require that they use commercially reasonable efforts to maintain the confidentiality, security and integrity of such information. In addition, we may share with third parties the fact that we have bank account information on file for specific individuals, but we will not disclose actual bank account information to such third parties without the individual's prior consent, except as permitted or required by law.
4.2.2 Social Security Number. In order for us to enroll you into one of our loan or credit programs, you will be required to disclose your social security number on your application. We will use this information only for internal verification and administrative purposes, and without your prior consent we will not share this information with any third party, except as permitted or required by law (e.g., we may include your social security number in our communications with credit reporting agencies regarding your account). As required by California state law (California Civil Code Sections 1798.85-1798.86), we will not: (1) publicly post, publicly display, or otherwise make available to the general public, your social security number; or (2) print your social security number in or on any card or document (unless as required by state or federal law), or encode or embed your social security number in or on any card or document, including, without limitation, using a barcode, chip, magnetic strip, or other technology, in place of removing the social security number. Notwithstanding the foregoing, we are permitted by law to include your social security number in applications and forms sent by mail, including documents sent as part of an application or enrollment process, or to establish, amend or terminate an account, contract or policy, or to confirm the accuracy of the social security number.
4.3 Marketing Use. By submitting an application on the Site, you understand and agree that we may contact you, by email, postal mail, or telephone, with information and offers about our products or services or about products or services of our affiliates, sponsors, and business partners, provided that we comply with all applicable laws, including, without limitation, the Telephone Consumer Protection Act (47 U.S.C. ?227) (TCPA), the Telemarketing and Consumer Fraud and Abuse Prevention Act (15 U.S.C. 1601-1608) (TCFAPA), the Federal Trade Commission (FCC) rules and regulations implementing the TCPA and the TCFAPA (47 CFR Part 64 & 16 CFR Part 310), and the CAN-SPAM Act of 2003 (15 U.S.C. 7701-7713). Please visit the FCC website at www.ftc.gov for more information about these laws and regulations. We urge you to review these laws and regulations before submitting an application on the Site. Notwithstanding the foregoing, you have the right to opt-out of receiving marketing emails, mails, or calls from us, by doing the following: (1) to opt-out of receiving marketing emails from us, please (x) uncheck the pre-checked box that reads I would like to receive additional offers as appearing on the Applicants Information form, or (y) use the un-subscribe link displayed on the homepage of the Site; (2) to opt-out of receiving our marketing materials by postal mail, please follow the unsubscribe instructions provided in such materials, or mail your request to Po Box 52080 Sparks, NV 89435; and (3) to opt-out of receiving marketing calls from us, please email your request to cs@LoanTerms.cl. However, it is understood that the foregoing right to opt-out does not apply to communications from us that are in response to your invitations or requests or inquiries initiated by you.
5.1 General. As a general policy, we do not share your personal information with third parties, except as follows: (1) you have affirmatively consented to such sharing and have not subsequently revoked you consent by opting out; (2) the sharing is necessary for the operation of the Site, the administration of your loan or credit account with us, or the provision of a particular product or service requested by you; (3) if we are acquired by or merged with or into another entity, or if our assets or business is transferred or sold to another entity, your personal information may be disclosed or transferred to such entity as part of the transaction; or (4) the sharing is permitted or required by law or court or government orders, or is necessary to comply with requests by law enforcement agencies, to enforce the terms and conditions that govern your use of the Site or any transactions between you and use, and/or to protect the rights, property or safety of our company, the Site, or our other customers or users.
5.2 Sharing with Certain Third Parties Without Consent. Subject to the generality of Section 5.1 above, you understand and agree that we may share your personal information, without your specific consent (either opt-in or opt-out), with any third party who: (1) provides support or maintenance for the operation of the Site; (2) is engaged to collect, process, enter or store your personal information for us; (3) is our partner or co-sponsor in providing a particular product or service requested by you; (4) is engaged to provide administrative or customer support services with respect to your loan or credit account with us, such as any outside vendor who provides payment processing and/or bank account verification services; or (5) has acquired or merged with us, or has purchased or succeeded to our assets or business; in each case, solely for the purposes for which the sharing was intended. We require that each such third party use commercially reasonable efforts to maintain the confidentiality, security and integrity of your personal information.
5.3 Sharing with Third Parties for Direct Marketing Purposes.
5.3.1 Consent to share information. We do share your personal information with third parties for their direct marketing use, by filling in information on this site, you affirmatively agree to allow us to share your personal information with third parties so that they may contact you directly with information and offers about their products or services.
5.3.2 Your Right to Opt-out. Even if you affirmatively consent by opt-in that your personal information may be shared with others for direct marketing purposes, you may at any time opt-out of such sharing by (1) emailing your request to cs@LoanTerms.cl (2) logging into your account with us and changing your preferences as to whether we may share your personal information with third parties for direct marketing purposes, or (3) contacting our customer service via telephone. Upon receipt and verification of your request, we will discontinue sharing your personal information with others for their direct marketing use. However, you understand that whenever you opt-in to receive marketing communications from a third party, your personal information, once disclosed to such third party, will be subject to that third party's privacy policy. If you later decide that you want such third party to stop using your personal information for direct marketing, you will need to contact that third party directly, as we have no control over how third parties use your personal information. We make no representation as to how any third parties may use, manage, store, treat, and maintain your personal information that you choose to share with them. After having received marketing communications from a third party, you should always review the privacy policy of that third party and notify that third party directly of your preferences with respect to its use and sharing of your personal information.
You may log into your account with us at any
time to: (1) edit, update and correct your personal information
(provided that the information so edited, updated, or corrected
represents the accurate and current information about you); (2)
change your preferences with respect to our marketing use of your
personal information; and/or (3) change your preferences with
respect to whether we may share your personal information with
third parties for direct marketing purposes.
Please note that
doing the above will only affect your personal information stored
by us. If, with your consent, we have shared your personal information
with any third parties for their direct marketing use, merely
changing your preferences as to how we may use or share your personal
information will not affect the use or sharing by such third parties.
If you wish to change preferences regarding how such third parties
may use or share your personal information, you will need to contact
such third parties directly.
The Site may use cookies. Cookie is a small encrypted
data string written to your computer or device that contains unique
information about you. Cookies help us deliver web content specific
to your interests. Cookies permit our server to recall information
from your previous visits to the Site. We may use the information
collected from cookies together with personal information we have
collected from you. We do not, however, use cookies to access
information on your computer or device. If you do not want us
to use a cookie, most browsers allow you to adjust the settings
to prevent cookies from being stored on your computer or device.
The Site may also use web beacons (also known as "pixel tags,"
"clear gifs," "web bugs," etc.) to gather Site usage data. Web
beacon is an electronic file embedded in a webpage that allows
tracking of users who have visited the page. If you disallow cookies,
web beacons can still record a page request from your IP address,
but cannot record unique information associated with a cookie.
The Site may contain links to third-party websites. Some of such links may be embedded in the third-party advertisements displayed on the Site. These third-party websites are independently owned and operated and are not owned or controlled by or affiliated with us. We do not endorse, nor are we responsible for the privacy policies and/or terms of use of such third-party websites. We urge you to carefully review the privacy policy of a third-party website prior to disclosing your personal information on such site.
The Site is intended for use by persons who are 18 years of age and older. We do not allow persons under the age of 18 to use our products or services and will not accept any application submitted by an underage person. We do not knowingly collect personal information from persons under the age of 18. If we become aware or suspect that you are under the age of 18, any information you submit will not be retained by us. No information should be submitted or posted on the Site by underage persons. We urge parents and guardians to spend time online with their children and to participate in and monitor the online activities of their children.
We will use commercial reasonable efforts to
safeguard your personal information and protect it against unauthorized
disclosure, theft, sabotage or hacking. The servers that store
our customer data are in a secure environment, and access to such
data is restricted. When you submit personal information or access
your account on the Site, your information is protected by industry
standard encryption. However, we do not guarantee that these efforts
will completely protect your information, and will notify you
in the event that the security of your personal information is
breached or compromised. You hereby expressly consent to receiving
our notification regarding any breach or compromise, or suspected
breach or compromise, of the security of your personal information,
by email or postal mail, as we deem appropriate, and as required
by law.
We urge you to keep your username, password, and other
account access information in a safe place and not to divulge
it to anyone. Also, remember to sign off your account and close
your browser window when you have finished your visit. This is
to ensure that others cannot access your account, especially if
you are sharing a computer with someone else or are using a computer
in a public place such as a library or an internet cafe.
We will take all reasonable steps to destroy, or arrange for the destruction of a customer's records within our custody or control containing personal information which is no longer to be retained by us, by (1) shredding, (2) erasing, or (3) otherwise modifying the personal information in such records to make it unreadable or undecipherable through any means.
We reserve the right to change this Privacy Policy at any time. All changes to this Privacy Policy will take effect immediately upon their posting on the Site, and your continued use of the Site following such posting will constitute your acceptance of, and agreement to be bound by, those changes. In case of any material change to this Privacy Policy, we may notify you of such change by email or postal mail, and you hereby expressly consent to receiving our notification of changes to this Privacy Policy by email or postal mail, as we deem appropriate.
If you have any questions regarding this Privacy Policy or wish to know more about our privacy practices, please contact us at cs@loanterms.cl
*Loanterms requires you must be 18 yrs. old, a U.S. citizen or permanent resident (excluding Wisconsin), must have verifiable address and social security number. By submitting and application you are agreeing to the terms and conditions of this site. All applications ma y be asked for additional validated through TelephoneValidator.com, written address verification and tracked by ConfirmTrac before your application can be completed. All validation methods are used to protect the accuracy of the application and used to protect applicants in the case of FRAUD. If you have been a victim of fraud please contact the administration agent at loanterms.cl