Effective: July 24, 2018
By accessing the CrestviewLending.com website (the “Website”), you agree to be bound by
these terms and conditions (the “Terms”). Please read these Terms carefully. If you do not agree
to these Terms, please exit the Website immediately.
Loan Referral Service
Our loan referral service (the “Service”) connects consumers with prospective lenders
participating in our network (the “Lender Partners”). To use the Service, you must complete an
online request form (a “Request Form”) that requests personal information from you, including
your name, address, telephone number, email address, social security number, bank account
information, and employment information. Our collection and use of this information is subject
to the Website’s Privacy Policy, which is incorporated into these Terms.
Credit Decisions
CrestviewLending.com is not a lender and does not make loans or credit decisions.
CrestviewLending.com does not guarantee that any Lender Partner will offer you a loan or that
any loan offer will contain any specific loan terms or conditions. CrestviewLending.com does
not guarantee that the price, product, availability, rates, fees, or any other loan terms offered and
made available by Lender Partners through the Service are the best terms available in the market.
Once you submit a Request Form, CrestviewLending.com shares your information with our
Lender Partners. By submitting a Request Form, you understand and agree that you requesting
loan offers from the Lender Partners. You are also agreeing that CrestviewLending.com and the
Lender Partners may contact you by any means (including email, telephone, SMS, and direct
mail) so that they may assist in processing your Request Form or provide information to you
about additional offers now or in the future.
Lender Partners who receive your Request Form review your information in real-time to
determine whether your information meets the Lender Partner’s underwriting criteria. Lender
Partners may use your Request Form information to perform a credit check. This credit check
may be a formal credit inquiry which leaves a record on your credit report and may affect your
credit score (a “Hard Check”). Or it could be an informal inquiry which will not affect your
credit (a “Soft Check”). These credit checks may be performed through TransUnion, Equifax, or
Experian (the “Big Three”) or they may be performed through other alternative credit reporting
agencies or data aggregators (such as Microbilt, Teletrack, DP Bureau, or DataX) that track
consumer transactions with lending institutions. By submitting your Request Form, you agree to
allow Lender Partners to review, verify, and research your information in such a manner.
If a Lender Partner determines that your Request Form meets its underwriting criteria, your
browser will be redirected to the lender’s website. You understand and agree that, once you have
been redirected to the lender’s website, CrestviewLending.com has no further involvement in the
loan application or approval process. Your interactions with the lender are subject to privacy
policy, terms of use, and other policies or terms enforced by that lender.
Electronic Disclosure
By Submitting your Request Form you agree to receive notifications, disclosures, and other
documents and communications both from CrestviewLending.com and from our Lender
Partners. If you are connected to a Lender Partner, that lender may require you to execute an
electronic loan contract. This electronic loan contract will be as binding as a loan contract in
paper form. And your electronic signature will be as valid as a physical signature on a paper loan
contract.
The lender may also require you to consent to receiving all notifications regarding your loan
electronically. These electronic communications may include attempts to collect a debt.
Additionally, the lender may require you to access documents related to a loan, including your
loan contract. By Submitting your Request Form you agree to this form of access.
The lender may allow you to withdraw your consent to electronic disclosures. Please contact the
lender with whom you were connected to learn more about this process. Please note, however,
that not consenting to receive electronic disclosures may affect your ability to receive a loan
from a Lender Partner.
Accuracy
You represent that the information you provide to CrestviewLending.com, and ultimately, the
Lender Partners, through your Request Form is accurate and truthful. If the information in your
Request Form is not accurate and truthful, CrestviewLending.com may deny, suspend, or
terminate your use of the Service.
Control over Features, Functions, and Access to the Service
CrestviewLending.com may change any information, features, or functions of the Service
without prior notice. CrestviewLending.com may deny you access to all or part of the Service
without prior notice if you engage in any conduct or activities that CrestviewLending.com
determines, in its sole discretion, violate these Terms, the rights of CrestviewLending.com or any
third party, or is otherwise inappropriate. CrestviewLending.com is not responsible for any errors
or delays in providing Service caused by errors in the Request Form information provided by
you or by any technical problems beyond its reasonable control.
Disclaimers and Limitations
THE WEBSITE AND THE INFORMATION, SOFTWARE, PRODUCTS, AND SERVICES
ASSOCIATED WITH IT ARE PROVIDED “AS IS.” CRESTVIEWLENDING.COM
EXPRESSLY DISCLAIMS ANY WARRANTY OF ANY KIND, WHETHER EXPRESS OR
IMPLIED, AS TO ANY MATTER WHATSOEVER RELATING TO THE WEBSITE AND
ANY INFORMATION, SOFTWARE, PRODUCTS, OR SERVICES PROVIDED HEREIN,
INCLUDING WITHOUT LIMITATION THE WARRANTIES OF TITLE, NON-
INFRINGEMENT, MERCHANTABILITY, OR FITNESS FOR A PARTICULAR PURPOSE.
CRESTVIEWLENDING.COM MAKES NO WARRANTY AS TO THE RESULTS THAT
MAY BE ACHIEVED BY USING THE WEBSITE AND THE INFORMATION, SOFTWARE,
PRODUCTS AND SERVICES ASSOCIATED WITH IT. USE OF THE WEBSITE OR THE
SERVICE IS AT YOUR OWN RISK.
CRESTVIEWLENDING.COM OR THE LENDER PARTNERS OR ADVERTISERS OR ANY
OF THEIR OFFICERS, DIRECTORS, AGENTS, SUBSIDIARIES, AFFILIATES,
EMPLOYEES, SUCCESSORS, ASSIGNS, CONTENT PROVIDERS, OR SERVICE
PROVIDERS WILL NOT BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL,
CONSEQUENTIAL, SPECIAL, OR PUNITIVE DAMAGES OR OTHER INJURY ARISING
OUT OF OR IN ANY WAY CONNECTED WITH THE USE OF THE WEBSITE OR THE
SERVICE OR WITH THE DELAY OR INABILITY TO USE THE WEBSITE, OR FOR ANY
INFORMATION, SOFTWARE, PRODUCTS, OR SERVICES OBTAINED THROUGH THE
WEBSITE, OR OTHERWISE ARISING OUT OF THE USE OF THE WEBSITE, WHETHER
RESULTING IN WHOLE OR IN PART, FROM BREACH OF CONTRACT, TORTIOUS
BEHAVIOR, NEGLIGENCE, STRICT LIABILITY, OR OTHERWISE, EVEN IF
CRESTVIEWLENDING.COM OR THE LENDER PARTNERS HAVE BEEN ADVISED OF
THE POSSIBILITY OF DAMAGES.
CRESTVIEWLENDING.COM DOES NOT ENDORSE OR RECOMMEND THE PRODUCTS
OF ANY PARTICULAR LENDER. CRESTVIEWLENDING.COM IS NOT AN AGENT OF
YOU OR ANY PARTICIPATING LENDER. CRESTVIEWLENDING.COM IS NOT
INVOLVED WITH THE LENDER’S USE OR REVIEW OF YOUR REQUEST FORM
INFORMATION OR IN MAKING A DETERMINATION ABOUT WHETHER YOU MEET A
PARTICULAR LENDER’S UNDERWRITING CRITERIA. THE LENDER IS SOLELY
RESPONSIBLE FOR ITS SERVICES TO YOU, AND YOU AGREE THAT
CRESTVIEWLENDING.COM WILL NOT BE LIABLE FOR ANY DAMAGES OR COSTS
OF ANY TYPE ARISING OUT OF OR IN ANY WAY CONNECTED WITH YOUR USE OF
THE SERVICE. YOU UNDERSTAND THAT LENDER PARTNERS MAY KEEP YOUR
REQUEST FORM INFORMATION, WHETHER OR NOT YOU ARE QUALIFIED FOR A
LOAN WITH THEM.
SOME STATES DO NOT ALLOW THE LIMITATION OF LIABILITY AND DISCLAIMER
OF IMPLIED WARRANTIES, SO THE DISCLAIMERS AND LIMITATIONS ABOVE MAY
NOT APPLY TO YOU. IN SUCH STATES, THE RESPECTIVE LIABILITY OF
CRESTVIEWLENDING.COM, THE LENDER PARTNERS, AND THEIR OFFICERS,
DIRECTORS, AGENTS, SUBSIDIARIES, AFFILIATES, EMPLOYEES, SUCCESSORS,
ASSIGNS, CONTENT PROVIDERS AND SERVICE PROVIDERS IS LIMITED TO THE
GREATEST EXTENT PERMITTED BY LAW.
Indemnity
As a condition of using the Website or the Services, you agree to indemnify
CrestviewLending.com and the Lender Partners from and against any and all liabilities, expenses
(including attorney’s fees) and damages arising out of claims resulting from your use of the
Website, including any claims alleging facts that if true would constitute a breach by you of
these Terms.
Links to Third Parties
The Website may contain links to other websites operated by Lender Partners or other third
parties. These links are provided for your convenience and reference only.
CrestviewLending.com does not operate or control in any respect any information, software,
products, or services available on such third party sites. CrestviewLending.com’s inclusion of a
link to a website does not imply any endorsement of the services or the site, its contents, or its
sponsoring organization.
Dispute Resolution
Any claim or controversy arising out of or relating to the use of the Website, to the use of the
Service, or to any acts or omission for which you may contend CrestviewLending.com is liable
(a “Dispute”), will be settled exclusively by binding arbitration in accordance with the
commercial arbitration rules of the American Arbitration Association in effect at that time. The
arbitration will be conducted in Los Angeles, California and judgment on the arbitration award
may be entered into any court of competent jurisdiction. No arbitrator will have the power to
award damages in connection with any Dispute in excess of actual compensatory damages and
will not multiply actual damages or award consequential, punitive, or exemplary damages, and
each party irrevocably waives any claim thereto. The agreement to arbitrate will not be construed
as an agreement to the joinder or consolidation of an arbitration under this agreement with an
arbitration of disputes or claims of any non-party, regardless of the nature of the issues of
disputes involved.
BY AGREEING TO THESE TERMS, YOU GIVE UP YOUR RIGHT TO SETTLE ANY
DISPUTES WITH CRESTVIEWLENDING.COM IN A COURT OF LAW OR BEFORE A
JURY. YOU ALSO GIVE UP YOUR RIGHT TO PARTICIPATE IN OR BRING CLASS
ACTIONS. BY USING CRESTVIEWLENDING.COM’S SERVICE, YOU CONSENT TO
THESE RESTRICTIONS.
In the event the arbitration provisions herein become inapplicable or unenforceable, or in any
instance of any lawsuit between you and CrestviewLending.com, you agree that jurisdiction over
and venue of any suit will be exclusively in the state and federal courts sitting in Los Angeles,
California. You agree that regardless of any statute or law to the contrary, any claim or cause of
action arising out of or related to use of the services must be filed within one year after such
claim or cause of action arose or be forever barred.
SMS Terms & Conditions
By providing a mobile phone number you are opting in to communications via SMS from
CrestviewLending.com and the Lender Partners. These communications may include a follow-up
SMS message containing a link to your completed loan Request Form, payment reminders from
Lender Partners, and future offers.
For additional support: info@CrestviewLending.com
Message and Data Rates May Apply. Under no circumstances will CrestviewLending.com be
responsible for fees that your wireless carrier or other third parties may charge you for use of this
service.
Messages may be delayed or undelivered for various factors. Carriers are not liable for delayed
or undelivered messages.
Other Terms
These Terms constitute the entire agreement between you and CrestviewLending.com. These
Terms will be governed by the laws of California without regard to its conflict of law principles.
If any part of these Terms is determined unenforceable pursuant to applicable law, then the
invalid and unenforceable provision will be deemed superseded by a valid and enforceable
provision that most closely connects the intent of the original provision and the remainder of
these Terms will remain in effect. Any failure by CrestviewLending.com to exercise or enforce
any right or provision of these Terms will not be deemed a waiver of such right or provision.
CrestviewLending.com may amend these Terms at any time by posting the amended terms on its
website. All amended terms are automatically effective immediately upon posting.
Questions
You may direct any questions concerning these Terms to:
CrestviewLending.com
1221 West 103rd St. Suite 239
Kansas City, MO 64114
info@CrestviewLending.com
