OVERVIEW AND ACCEPTANCE OF TERMS
You agree that by creating an account with Enchanter Loans Technologies, Inc. (“Enchanter Loans”), or accessing or using our Services and Websites (as defined below), you represent to Enchanter Loans that you have read, understood, and expressly consent and agree to be bound by this Terms of Use Agreement, and the terms, conditions, and notices contained or referenced herein (“Agreement”) whether you are a “Visitor” (which means that you simply browse or access a Website), or a “Customer” (which means that you have created an account with Enchanter Loans, or enrolled or registered with a Website, or are accessing or using a Service).
At Customer’s election, Customer may, from time to time, request, receive, and Enchanter Loans may provide, free services or services subject to a fee, whether a recurring fee or a one-time transactional fee (each a “Service”), and Customer’s receipt and use of such Services shall, at all times be subject to this Agreement. The Term “Service” includes, but is not limited to, the provision of any of Enchanter Loans’s products and services, including consumer credit report(s), consumer credit risk score(s), commercial credit report(s), commercial credit risk score(s), consumer credit monitoring, commercial credit monitoring, consumer and commercial credit score monitoring and tracking (including all the data contained therein), the receipt of any alerts notifying you of changes contained in your consumer and/or commercial credit report(s), regardless of the manner in which you receive the Services, whether by email, through a website or mobile application, by telephone, or through any other mechanism by which the Service is delivered or provided to you. The term “you” or “User” refers to a visitor or Customer. For purposes of this Agreement, the terms “we,” “us,” or “Enchanter Loans” refer to Enchanter Loans Technologies, Inc, and referred to as Enchanter Loans on the Websites, its predecessors in interest, successors and assigns, and any of its third party service providers (including, without limitation, cloud service providers and credit data providers) who Enchanter Loans uses in connection with the provision of the Services to you.
THE SERVICES AND WEBSITES ARE SUBJECT TO ALL TERMS AND CONDITIONS CONTAINED HEREIN AND ALL APPLICABLE LAWS AND REGULATIONS. PLEASE READ THESE TERMS AND CONDITIONS CAREFULLY. YOUR ORDER OF, ACCEPTANCE OF, USE OF, AND/OR ACCESS TO, THE SERVICES AND WEBSITES CONSTITUTES YOUR AGREEMENT TO ABIDE BY EACH OF THE TERMS AND CONDITIONS SET FORTH HEREIN. IF YOU DO NOT AGREE WITH ANY OF THESE TERMS OR CONDITIONS, DO NOT ORDER, USE OR ACCESS ANY SERVICES AND WEBSITES, OR ANY OF THE INFORMATION WITHIN THE SERVICES AND WEBSITES, DISCARD ANY INFORMATION YOU RECEIVED IMMEDIATELY AND CALL CUSTOMER CARE TO CANCEL YOUR MEMBERSHIP.
PERMISSIBLE PURPOSE AND CONSENTS
You understand and agree that, by establishing an account with Enchanter Loans, or submitting or enrolling for any Service, you have provided “written instructions” in accordance with the Fair Credit Reporting Act, as amended (“FCRA”), for Enchanter Loans to obtain your credit report and/or credit score(s) on a recurring basis to provide them to you while you have an account with Enchanter Loans, and such information may be obtained from Experian Information Solutions, Inc., TransUnion, LLC, and/or Dun & Bradstreet, Inc. (“Credit Bureaus”) or any other credit reporting company. You understand and agree that, pursuant to such authorization, Enchanter Loans may access your credit profile, including without limitation, your credit report, credit score(s) and other related information, to, among other things, verify your identity and to provide credit monitoring, credit scoring, credit score monitoring and tracking, or alerts for, among other things, dormant accounts, new accounts, inquiries, other changes to information contained in your credit report. You understand and agree that, by establishing an account with Enchanter Loans, you have provided express consent to receive credit monitoring, credit scoring, credit score monitoring and tracking and/or alerts via SMS text at the number provided during account creation. You understand and agree that Enchanter Loans may, from time to time, provide additional products, services, features, and/or functionality to you, and that they shall be offered pursuant to the same authorization that you provided to Enchanter Loans for Enchanter Loans to obtain your credit report and/or credit score(s) on a recurring basis to provide them to you to review while you have an account with Enchanter Loans.
You further understand and agree that, by establishing an account with Enchanter Loans, or submitting your order or enrolling for any Service, you have provided “written instructions” in accordance with the FCRA for Enchanter Loans to obtain and use the information you have provided, and your credit report(s) and/or score(s) to notify you of credit opportunities and other products and services that may be available to you through Enchanter Loans or through unaffiliated third parties (as explained in the section below entitled “General Description of Services”). You understand and agree that Enchanter Loans receives compensation for the marketing of credit opportunities or other products or services available through third parties, and that this compensation may impact how and where such credit opportunities, products or services appear on a Website (including, for example, the order in which they appear).
AMENDMENTS
This Agreement may be updated from time to time. Online customers should check this website regularly for updates to this Agreement and the included Terms and Conditions. Each time you order, access or use any of the Services and Websites, you signify your acceptance and agreement, without limitation or qualification, to be bound by the then current Agreement and included Terms and Conditions.
Last Revision Date: 12/13/2021
GENERAL DESCRIPTION OF SERVICES
The Services and Websites are meant to provide you a means to review your personal and business finance and/or credit information for educational purposes only, and to manage if and to the extent you so choose, and may notify you of commercial credit opportunities and other products and services that may be available to you and your business entity through Enchanter Loans or through third parties (such as, among other things, advertisements or offers for available credit cards, loan options, business products or services, or credit related products or services and other offers to you and/or your business entity, the ability to track and collect certain credit information specific to you and/or your business entity, including but not limited to, credit score, loan and credit card monthly payment, total amount and interest rates). The Services and Websites are meant for you and your business’s use only. The Services and Websites may also provide you other third-party products or services. This includes receiving offers free of charge for various credit or other financial products or services based upon your self-identified credit attributes, the attributes of your business entity (and/or your consumer report and credit score and business entity’s commercial credit report and score). These offers may also be generic and may not contain offers based on information specific to you or your business entity.
We will identify those Services that are provided to you free of charge. Some of the Services (including Premium and Premium Plus) require a fee at the time of Service purchase or enrollment. By purchasing such Services and providing payment information, you represent that you are authorized to utilize the payment method presented and agree to pay the specified fee for paid Services, including any method offered or used through a mobile application. Furthermore, you agree and authorize Enchanter Loans to: (i) submit a transaction using the card information provided, (ii) in the case of automatic recurring transactions, submit a transaction on a recurring basis (e.g. monthly or annual basis) for membership renewals.
If at any time while you have a paid account with Enchanter Loans, you may choose to downgrade your membership to a different Service plan, including a free Service. You may downgrade your account by contacting Customer Support or by using any other method specified on the Websites. For the sake of clarity, downgrading your account will not cancel your membership. To cancel your account in its entirety and no longer receive Services, you must cancel your account by contacting Customer Support or by using any other method specified on the Websites and expressly cancel your account to no longer receive such Service. In all events, your account with Enchanter Loans, (including your access to and use of any Services and Websites, and regardless of whether you upgrade or downgrade any Services while maintaining your account), shall be governed by this Agreement and these Terms and Conditions.
You acknowledge and agree that Enchanter Loans (including its Services and/or Websites) has not and does not provide you or your business entity, legal, tax, financial, or other advice (including, without limitation, advice on how to improve or repair your credit or credit scores), and that its Services and/or Websites are not designed or intended to provide any such advice. As discussed above, and for your convenience, we may provide various other third-party websites that may be of interest to you. The third party offers or links that may be displayed on a Website are from third party companies from which Enchanter Loans may receive compensation. Compensation may impact how, where or whether a third party product, service or link appears on a Website. Further, Enchanter Loans does not represent, warrant or guarantee approval of any loan offer or service offered by a third party on any Website or other benefit should you choose to apply for a particular offer. Any suggestion or representation of possible approval are for illustrative purposes only and may vary based on your individual and business entity’s financial circumstances and the terms made available to you by the applicable issuer or lender. Enchanter Loans disclaims all liability for any errors or omissions in any express or implied suggestions or representations related to possible approvals or benefits made by Enchanter Loans or its marketing partners. For complete information on any particular offer, see the terms and conditions on the issuer or lender’s website. Once you click apply for any offers, you will be directed to the issuer or lender’s website where you may review the terms and conditions of the applicable opportunity or offer before applying.
While Enchanter Loans uses reasonable efforts to present the most accurate information, we show a summary to help you choose a third party service, not the full legal terms. Enchanter Loans does not control or endorse such websites and is not responsible for their content, nor is it responsible for the accuracy or reliability of any information, data, opinions, offers, advice, or statements contained within such websites, nor can Enchanter Loans guarantee your and/or your business entity’s eligibility to take advantage of any of the information, data, opinions, offers, advice or statements contained within those websites. Please carefully read the terms and conditions or terms of use policies of any other third party company or website you may link to from our Websites. If you decide to access any of the third party sites linked to the Websites, you do so at your own risk. Enchanter Loans reserves the right to terminate any link or linking program at any time. Enchanter Loans disclaims all warranties, express and implied, as to the accuracy, validity, and legality or otherwise of any materials or information contained on such third party websites.
Your Enchanter Loans Business Boost and Enchanter Loans Loan Builder paid account may be represented as a “tradeline” on your Dun & Bradstreet, Experian, and Equifax business credit report. You may see these tradelines are reporting as “Other” on your reports.
MODIFICATION OF PRODUCTS
Enchanter Loans may, at its discretion, modify or discontinue any of the Products, Product Websites or Content, or any portion thereof, with or without notice. You agree that Enchanter Loans will not be liable to you, your minor children or any third party for any modification or discontinuance of any of the Products, Product Websites or Content.
USE OF THE SERVICES
In consideration of your order of, access to, and/or use of any Services and/or Websites you agree to provide true, accurate, complete and current information about yourself and any business entity you are enrolling, or have enrolled, in any Service, when prompted to do so by the registration and application forms or when requested to do so by Enchanter Loans. By registering, you certify that you are eighteen (18) years of age or older. If any information you provide is untrue, fraudulent, inaccurate or not current, or if Enchanter Loans has reasonable grounds to suspect that such information is, fraudulent, not current, or intended for misuse, Enchanter Loans, at its sole discretion, has the right to suspend or terminate your order of, use of, and/or access to, any Service and/or Website, and refuse all current or future orders of, use of, and/or access to, Service and/or Website, or suspend or terminate any portion thereof. In the event that Enchanter Loans suspends or terminates your order of, use of, and/or access to, any Service and/or Website for any purpose other than fraud or misuse, Enchanter Loans will allow access to retrieve your records and data for 5 business days prior to shut-off.
Further, you agree that Enchanter Loans will not be liable to you, any business entity you are or have enrolled, or any third party if Enchanter Loans suspends or terminates your order of, use of, or access to any Service and/or Websites, or any portion thereof, for any reason. You acknowledge and agree that Enchanter Loans may, in its sole discretion, retain any information you provided to it or generated by Enchanter Loans (or its affiliates/suppliers, including but not limited to Experian, TransUnion and Dun & Bradstreet) while you have an account with Enchanter Loans, including any information about you and any credit card or payment or other information obtained in connection with your account and/or the provision of any Service. If Enchanter Loans does retain any such information, you acknowledge it is not obligated to retain that information for any specified period of time.
DISPUTE RESOLUTION BY BINDING ARBITRATION
PLEASE READ THIS CAREFULLY. IT AFFECTS YOUR RIGHTS.
SUMMARY:
MOST CUSTOMER CONCERNS CAN BE RESOLVED QUICKLY AND TO THE CUSTOMER’S SATISFACTION BY CALLING ENCHANTER LOANS´S CUSTOMER SUPPORT DEPARTMENT AT 855-226-8388. IN THE UNLIKELY EVENT THAT ENCHANTER LOANS´S CUSTOMER SUPPORT DEPARTMENT IS UNABLE TO RESOLVE A COMPLAINT YOU MAY HAVE TO YOUR SATISFACTION (OR IF ENCHANTER LOANS HAS NOT BEEN ABLE TO RESOLVE A DISPUTE IT HAS WITH YOU AFTER ATTEMPTING TO DO SO INFORMALLY), WE EACH AGREE TO RESOLVE THOSE DISPUTES THROUGH BINDING ARBITRATION OR SMALL CLAIMS COURT INSTEAD OF IN COURTS OF GENERAL JURISDICTION TO THE FULLEST EXTENT PERMITTED BY LAW. ARBITRATION IS MORE INFORMAL THAN A LAWSUIT IN COURT. ARBITRATION USES A NEUTRAL ARBITRATOR INSTEAD OF A JUDGE OR JURY, ALLOWS FOR MORE LIMITED DISCOVERY THAN IN COURT, AND IS SUBJECT TO VERY LIMITED REVIEW BY COURTS. ARBITRATORS CAN AWARD THE SAME DAMAGES AND RELIEF THAT A COURT CAN AWARD. ANY ARBITRATION UNDER THIS AGREEMENT WILL TAKE PLACE ON AN INDIVIDUAL BASIS; CLASS ARBITRATIONS AND CLASS ACTIONS ARE NOT PERMITTED. ENCHANTER LOANS WILL PAY ALL COSTS OF ARBITRATION, NO MATTER WHO WINS, SO LONG AS YOUR CLAIM IS NOT FRIVOLOUS. HOWEVER, IN ARBITRATION, BOTH YOU AND ENCHANTER LOANS WILL BE ENTITLED TO RECOVER ATTORNEYS´ FEES FROM THE OTHER PARTY TO THE SAME EXTENT AS YOU WOULD BE IN COURT.
Consumers Have The Right To Obtain A Security Freeze
You have a right to place a “security freeze” on your credit report, which will prohibit a consumer reporting agency from releasing information in your credit report without your express authorization. The security freeze is designed to prevent credit, loans, and services from being approved in your name without your consent. However, you should be aware that using a security freeze to take control over who gets access to the personal and financial information in your credit report may delay, interfere with, or prohibit the timely approval of any subsequent request or application you make regarding a new loan, credit, mortgage, or any other account involving the extension of credit.
As an alternative to a security freeze, you have the right to place an initial or extended fraud alert on your credit file at no cost. An initial fraud alert is a 1-year alert that is placed on a consumer’s credit file. Upon seeing a fraud alert display on a consumer’s credit file, a business is required to take steps to verify the consumer’s identity before extending new credit. If you are a victim of identity theft, you are entitled to an extended fraud alert, which is a fraud alert lasting 7 years.
A security freeze does not apply to a person or entity, or its affiliates, or collection agencies acting on behalf of the person or entity, with which you have an existing account that requests information in your credit report for the purposes of reviewing or collecting the account. Reviewing the account includes activities related to account maintenance, monitoring, credit line increases, and account upgrades and enhancements.
SECURITY MEASURES AND AUTHENTICATION
Because Enchanter Loans uses security measures designed to protect your privacy and to safeguard your information, Enchanter Loans may not always be able to successfully provide Products to you, including instant online delivery of your credit report for online customers. For example, for certain online Products, when the system is unable to authenticate you, you may be routed through a manual authentication process. In the event that you are routed through a manual authentication process, it is your responsibility to complete authentication so that you can gain access to your membership on the website. Your membership will continue and we will continue to monitor your credit report, all of which will be available to you once you complete authentication. Consequently, you will continue to be billed for your membership and the associated services available to you until you downgrade to a free Service or cancel. For certain products, Enchanter Loans cannot offer a manual authentication process and will be unable to fulfill your order if you fail online authentication one or more times. For such products, you will not be charged prior to authenticating your identity or alternatively, you will be refunded any charges billed in the event you are unable to authenticate your identity.
PERSONAL INFORMATION
Enchanter Loans may use your personal information to the extent necessary to process your order and/or engage in business maintenance as described in the section entitled “Use of the Products,” and in Enchanter Loans’s Privacy Policy, and such other business uses in accordance with applicable law.
REVIEW AND RECEIPT OF PRIVACY NOTICE
By establishing an account with Enchanter Loans, or submitting your order for enrolling in any Service, you acknowledge receipt of our Privacy Policy, acknowledge that you have reviewed the Privacy Policy, and agree to be bound by its terms. The Privacy Policy can be accessed below.
ELECTRONIC NOTICE DISCLOSURE, CONSENT, AND DELIVERY OF PRODUCTS
By providing Enchanter Loans with your email address, you are providing your affirmative consent to receive emails from Enchanter Loans in order to receive Product alerts, changes to your credit report, notices and other communications.
Affirmative Consent. When you use a product or service to which this Consent applies, you are providing your affirmative consent that we may provide you with any Notice in electronic format, and that we may discontinue sending paper Notices to you, unless and until you withdraw your consent as described below. We may also use electronic signatures and obtain them from you as part of our transaction with you. You must have an email address and a Java-compatible browser to receive your Products online. As an online customer, you are agreeing to receive all notifications via email at the email address on file with Enchanter Loans. You are obligated to update the email address on file when your email address changes. In the event that you 1) fail to update your email address on file with Enchanter Loans; or, if applicable 2) fail to provide your affirmative consent to receive email from us, and thus Enchanter Loans is unable to deliver email messages to you, you nonetheless understand and agree that the Product will be fulfilled at the price agreed upon at the time that you placed your order. Acceptance of this consent is not a condition of establishing any business relationship or engaging in any transaction. If you would like to use Enchanter Loans’s services without consenting to receive notices electronically, please call us at 93421 20109
Paper Copies. You may request paper copies of Notices by calling us at 9342120109. You may have to pay a fee for the paper copy unless charging a fee is prohibited by applicable law.
Online Hardware and Software Requirements. To receive Notices in electronic form, you must have access to:
• An Internet web browser which is capable of supporting HTML and 128-bit SSL encryption;
• Connection to the Internet;
• A current version of a program that accurately reads and displays Portable Document Format or “PDF” files; and
• A computer or other device which is capable of supporting all of the above. You will also need a printer if you wish to print out and retain Notices on paper and electronic storage if you wish to retain Notices in electronic form.
NO WARRANTY BY ENCHANTER LOANS
YOU EXPRESSLY UNDERSTAND AND AGREE THAT YOUR USE OF THE PRODUCTS, PRODUCT WEBSITES AND CONTENT IS AT YOUR SOLE RISK. ALL PRODUCTS, PRODUCT WEBSITES, AND CONTENT ARE PROVIDED ON AN “AS IS” OR “AS AVAILABLE” BASIS. ENCHANTER LOANS AND ITS SUPPLIERS EXPRESSLY DISCLAIM ALL WARRANTIES, GUARANTEES, AND CONDITIONS OF ANY KIND WHETHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO, THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE OR NON-INFRINGEMENT. THE INFORMATION CONTAINED IN THE PRODUCTS, PRODUCT WEBSITES, CONTENT OR OTHER MATERIALS YOU MAY RECEIVE FROM ENCHANTER LOANS DO NOT CONSTITUTE LEGAL, TAX, ACCOUNTING OR OTHER PROFESSIONAL ADVICE. OTHER THAN TO THE EXTENT MADE IN, WITHIN THESE TERMS AND CONDITIONS, ENCHANTER LOANS MAKES NO WARRANTY THAT (I) THE PRODUCTS AND CONTENT ARE ACCURATE, TIMELY, UNINTERRUPTED OR ERROR-FREE; AND (II) ANY RESULTS THAT MAY BE OBTAINED FROM THE USE OF THE PRODUCTS OR CONTENT WILL BE RELIABLE.
LIMITATION OF LIABILITY
YOU UNDERSTAND AND AGREE THAT ENCHANTER LOANS WILL NOT BE LIABLE TO YOU (OR ANY OF YOUR MINOR CHILDREN) FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL OR EXEMPLARY DAMAGES RESULTING FROM OR IN ANY WAY CONNECTED TO YOUR ACCESS TO, USE, OR INABILITY TO USE THE PRODUCTS, PRODUCT WEBSITES, CONTENT OR MEMBERSHIP BENEFITS, OR FROM YOUR ACCESS TO, USE OF, INABILITY TO USE, OR RELIANCE UPON ANY LINKED WEB SITE (IF APPLICABLE), EVEN IF ENCHANTER LOANS HAS BEEN ADVISED OF THE POSSIBILITY OF THOSE DAMAGES. SOME JURISDICTIONS EITHER DO NOT ALLOW OR PLACE RESTRICTIONS UPON THE EXCLUSION OR LIMITATION OF DAMAGES IN CERTAIN TYPES OF AGREEMENTS; FOR THESE JURISDICTIONS, THE AFOREMENTIONED LIMITATION ON LIABILITY SHALL BE TO THE MAXIMUM DEGREE PERMITTED BY APPLICABLE LAW. IF, NOTWITHSTANDING THE ABOVE, LIABILITY IS IMPOSED UPON ENCHANTER LOANS, THEN YOU AGREE THAT ENCHANTER LOANS’S TOTAL LIABILITY TO YOU (AND ANY OF YOUR MINOR CHILDREN) FOR ANY OR ALL OF YOUR LOSSES OR INJURIES (OR THOSE OF YOUR MINOR CHILDREN) FROM ENCHANTER LOANS’S ACTS OR OMISSIONS, REGARDLESS OF THE NATURE OF THE LEGAL OR EQUITABLE CLAIM, SHALL NOT EXCEED THE AMOUNT PAID BY YOU TO ENCHANTER LOANS FOR THE PRODUCT(S) YOU PURCHASE FROM ENCHANTER LOANS.
NOT A CREDIT REPAIR ORGANIZATION OR CONTRACT
None of our services for which you pay us money, including our credit monitoring services, are offered or provided with respect to the extension of credit by third parties. You are paying us only for credit monitoring services. You are not paying us to advise you or assist you in obtaining a loan or improving your credit record, history, rating or Score. Enchanter Loans offers access to your credit report, your VantageScore 3.0®, and other credit information. Enchanter Loans and its affiliates are not credit repair organizations, and are not offering to sell, provide or perform any service to you for the express or implied purpose of either improving your credit record, credit history or credit rating or providing advice or assistance to you with regard to improving your credit record, credit history or credit rating. You acknowledge and agree that you are not seeking to purchase, use, or access any of the Products, Product Websites, and Content in order to do so.
Accurate adverse information on your credit report cannot be changed. If you believe that your credit report contains inaccurate, non-fraudulent information, it is your responsibility to contact the relevant credit reporting company, and follow the appropriate procedures for notifying the credit reporting company that you believe that your credit report contains an inaccuracy. Any information provided to you regarding the procedures followed by the various credit reporting companies related to the removal of inaccurate, non-fraudulent information is provided without charge to you and is available for free. Any such information is not included as part of your credit score monitoring product but is provided free of charge to all consumers, regardless of whether they are members of the credit score monitoring product.
REGISTERING FOR ANY PRODUCT
To request a credit report or score, or purchase any Product, you must have an address within the United States, provide a valid Social Security number, address, email address and date of birth and agree to be bound by these Terms and Conditions. In other limited circumstances, you may need to provide a valid telephone number so that Enchanter Loans can process your order. You must provide valid credit card information. Enchanter Loans will then evaluate your complete registration information.
In certain jurisdictions, sales tax at state and local rates may apply, in which case you may be charged the applicable taxes in addition to the monthly fee and/or the price of the product.
For certain Products and/or channels where Products are sold, we reserve the right to accept or decline some forms of payment, including, but not limited to “pre-paid” or “re-loadable” credit/debit cards.
CREDIT MONITORING – ADDITIONAL TERMS AND CONDITIONS
Your membership in any of Enchanter Loans’s products for which Enchanter Loans charges you a monthly fee credit monitoring is effective for the period covered by your membership fee and continues upon your payment of the monthly/annual renewal fee. Renewal fees for your membership will automatically be charged, at the then current rate, to the credit card or other billing source authorized by you, on the first day of each successive 30-day membership term, until you cancel your membership. Should you choose to discontinue your membership for any reason before expiration of the then applicable membership term for which you have paid, you may cancel your membership and terminate further billing by calling the toll-free number listed on this Web Site, or by calling 855-226-8388. If you are a monthly subscriber and choose to cancel after your free trial ends or anytime during your monthly billing term, your membership and monthly billing will terminate at the end of your monthly billing term and you will not be eligible for a prorated refund of any portion of your paid monthly membership fee. If you change your membership level from a paid membership level to a free membership level, your paid membership will terminate immediately and you will lose the ability to access paid membership benefits and you will not be eligible for a prorated refund of any portion of your paid monthly membership fee. Enchanter Loans reserves the right to change the membership fee for any renewal term to be effective upon the renewal of your membership.
CREDIT REPORTS AND CREDIT SCORES – ADDITIONAL TERMS AND CONDITIONS
When you use any Product, Product Website and/or Content to access your personal credit report and/or credit score, you are certifying that you understand and agree to the following:
Disclaimers: You acknowledge that the information provided to you through the VantageScore 3.0 products, including the score factors derived from the elements in your credit report, may change over time as your credit report changes. You also acknowledge that the score factor information on how to monitor your credit position assumes there will be no adverse changes in your credit performance. ENCHANTER LOANS IS NOT RESPONSIBLE FOR THE ACCURACY OR CONTENTS OF YOUR CREDIT FILE, INCLUDING BUT NOT LIMITED TO, INFORMATION DELIVERED IN THE CREDIT REPORT AND/OR SCORE PRODUCTS. Please note that pursuant to section 609f of the FCRA, consumers can obtain their credit score at any time for a statutorily set fee.
LOAN REALITY CHECK REPORTS AND SCORES – ADDITIONAL TERMS AND CONDITIONS
Our services to you my contain third party content or links to third party websites, applications or services (collectively, “Third Party Content”). Our Services may also include features that allow you to connect your Enchanter Loans account with accounts or services provided by third parties, such as accounts you maintain with financial institutions. We do not control, maintain, or endorse the Third Party Content or Third Party Services and Enchanter Loans is not responsible or liable for any Third Party Content or Third Party Services, including any damages, losses, failures, or problems caused by, related to, or arising from Third Party Content or Third Party Services. Your interactions and business dealings with the providers of the Third Party Content or Third Party Services, including products or services offered by such third parties, are solely between you and the third party. You should review all of the relevant terms and conditions associated with Third Party Content of Third Party Services, including any privacy policies and terms of service. Enchanter Loans is not responsible for any information that you agree to share with third parties in connection with Third Party Content or Third Party Services.
Users may direct Enchanter Loans to retrieve their own information maintained online by third parties with which they have customer relationships, maintain accounts or engage in financial transactions (“Account Information”). Enchanter Loans works with one or more online service providers to access this Account Information. Enchanter Loans does not review the Account Information for accuracy, legality or non-infringement. Enchanter Loans is not responsible for the Account Information or products and services offered by or on third party sites.
ACCOUNT INFORMATION FROM THIRD PARTY SITES
Enchanter Loans cannot always foresee or anticipate technical or other difficulties which may result in failure to obtain or loss of data, personalization settings or other service interruptions. Enchanter Loans cannot assume responsibility for the timeliness, accuracy, deletion, non-delivery or failure to store any user data, communications or personalization settings. For example, when displayed through the Services, Account Information is only as fresh as the time shown, which reflects when the information is obtained from such sites. Such information may be more up-to-date when obtained directly from the relevant sites. You can refresh your Account information through the Services, in the manner prescribed in the associated instructions.
RIGHTS YOU GRANT ENCHANTER LOANS
By submitting information, data, passwords, usernames, PINs, other log-in information, materials and other content to Enchanter Loans through the Services, you are licensing that content to Enchanter Loans for the purpose of providing the Services. Enchanter Loans may use and store the content in accordance with this Agreement and Enchanter Loans’s Privacy Policy. You represent that you are entitled to submit it to Enchanter Loans for use for this purpose, without any obligation by Enchanter Loans to pay any fees or be subject to any restrictions or limitations. By using the Services, you expressly authorize Enchanter Loans to access your Account Information maintained by identified third parties, on your behalf as your agent, and you expressly authorize such third parties to disclose your information to Enchanter Loans. When you use the “Cashflow” feature of the Services, you will be directly connected to the website for the third party you have identified. Enchanter Loans will submit information including usernames and passwords that you provide to log into the Site. You hereby authorize and permit Enchanter Loans to use and store information submitted by you to accomplish the foregoing and to configure the Services so that it is compatible with the third party sites for which you submit your information. For purposes of this Agreement and solely to provide the Account Information to you as part of the Services, you grant Enchanter Loans a limited power of attorney, and appoint Enchanter Loans as your attorney-in-fact and agent, to access third party sites, retrieve and user your information with the full power and authority to do and perform each thing necessary in connection with such activities, as you could do in person. YOU ACKNOWLEDGE AND AGREE THAT WHEN ENCHANTER LOANS IS ACCESSING AND RETRIEVING ACCOUNT INFORMATION FROM THIRD PARTY SITES, ENCHANTER LOANS IS ACTING AS YOUR AGENT, AND NOT AS THE AGENT OF OR ON BEHALF OF THE THIRD PARTY THAT OPERATES THE THIRD PARTY SITE. You understand and agree that the Services are not sponsored or endorsed by any third parties accessible through the Services. Enchanter Loans is not responsible for any payment processing errors or fees or other Services-related issues, including those issues that may arise from inaccurate account information.
NOT A FINANCIAL PLANNER, BROKER, OR TAX ADVISOR
NEITHER ENCHANTER LOANS NOR THE SERVICES ARE INTENDED TO PROVIDE LEGAL, TAX OR FINANCIAL ADVICE. ENCHANTER LOANS IS NOT A FINANCIAL PLANNER, BROKER OR TAX ADVISOR. The Services are intended only to assist you and your business in your financial organization and decision-making and is broad in scope. Your business financial situation is unique, and any information and advice obtained through the Service may not be appropriate for your situation. Accordingly, before making any final decisions or implementing any financial strategy, you should consider obtaining additional information and advice from your accountant or other financial advisors who are fully aware of your unique circumstances.
Enchanter Loans’s online marketplace offers provide you with information about potential loan products that may be suitable for your business and for which your business may qualify for based on information provided to Enchanter Loans by you. Enchanter Loans does not negotiate or assist in the application process on your behalf and does not receive nor request compensation for providing you with marketplace offers. Enchanter Loans is not a lender and is not engaged in the business of making loans. Enchanter Loans makes no promise or guarantees to procure a loan for any person or business. In the event that you are approved, you accept, and receive funds from a third-party service provider in Enchanter Loans’s online marketplace, you certify that any such funds received are for business purposes only and will be placed in a business account segregated from any personal account.
TRADEMARKS
You acknowledge and agree that Enchanter Loans’s name, the Enchanter Loans Logo, Page Headers and other terms, phrases, graphics, logos, and icons are common law or registered trademarks, service marks, and/or trade dress of Enchanter Loans (collectively “Marks”). You agree you will not use any such Content or Marks for any purpose without the appropriate prior written authorization. Enchanter Loans Marks may not be used in connection with any product or service that is not Enchanter Loans’s, in any manner that is likely to cause confusion among customers, or in any manner that disparages or discredits Enchanter Loans. All other trademarks, product names, or logos not owned by Enchanter Loans that appear on this Product Website are the property of their respective owners.
ENTIRE AGREEMENT
These Terms and Conditions, the Privacy Policy, and other policies Enchanter Loans may post constitute the entire Agreement between Enchanter Loans and you in connection with your use of the Product Websites (if applicable), the Products, and the Content, and supersede any prior versions of the Terms and Conditions, if applicable. Enchanter Loans may update these Terms and Conditions from time to time by posting revised Terms and Conditions on the Product Websites, or by mailing an updated copy to the most recent address you have provided to Enchanter Loans, without notice to you, and your subsequent use of the Products, Product Web Sites, and/or Content is governed by those new Terms and Conditions. The Terms and Conditions are effective until terminated by Enchanter Loans. In the event of termination, the Intellectual Property, Disclaimers, and Limitations of Liability provisions set forth in these Terms and Conditions will survive. In the event of a conflict between any other notice, policy, disclaimer or other term contained in the Product Websites or otherwise, these Terms and Conditions will control. If any provision is deemed to be unlawful or unenforceable, it will not affect the validity and enforceability of the remaining provisions. The section headings are for convenience only and do not have any force or effect.
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