Terms and Conditions
Last Updated: 11/16/2016
By accessing the FCPersonalLoans.com web site and using the services on this site, you agree to be bound by the terms and conditions ("Terms") below. Please read these Terms carefully. If you do not agree to these Terms, do not access or use this web site. All references below to FCPersonalLoans.com include FCPersonalLoans.com.
You represent and warrant that the information you provide to us through your Application is accurate and truthful. If you do not provide such information in such manner, we reserve the right to deny, suspend, or terminate Service. We reserve the right to refuse to provide the Service to you, in our sole discretion, with or without cause.
Loan Request Service
Once a consumer submits the application form(s) to FCPersonalLoans.com, FCPersonalLoans.com shares your information with one or more participating lenders. By submitting the application form(s), you understand and agree that you are submitting an inquiry about a loan product to FCPersonalLoans.com and each of the participating lenders to whom FCPersonalLoans.com transmits your loan request. By submitting the application form(s), you are extending an express invitation to FCPersonalLoans.com and each of the participating lenders with whom your information is shared to contact you by any means (including, without limitation, email, telephone, and direct mail) so that they may assist you with your transaction or provide information to you about additional offers in which you may be interested.
Participating lenders who receive your application information from FCPersonalLoans.com review your information in real-time to determine whether your information meets the lender's loan qualification criteria. Participating lenders may, among other things, verify your social security number, perform a credit check, and review your information against national databases (such as Teletrack, DP Bureau or DataX) that tracks consumer transactions with lending institutions. By submitting the application form(s), you agree to allow participating lenders to review, verify, and research your information in such manner.
FCPersonalLoans.com com is not a lender and does not make loans or credit decisions in connection with its loan request service. FCPersonalLoans.com does not guarantee acceptance into any particular loan program or specific loan terms of conditions with any participating lender. FCPersonalLoans.com does not guarantee that the price, product, availability, rates, fees, or any other loan terms offered and made available by participating lenders through the loan request service are the best terms available in the market.
FCPersonalLoans.com does not endorse or recommend the products of any particular lender. FCPersonalLoans.com is not an agent of you or any participating lender. FCPersonalLoans.com is not involved with the lender's use and/or review of your application information or in making a determination about whether you meet a particular lender's loan qualification criteria. The lender is solely responsible for its services to you, and you agree that FCPersonalLoans.com shall not be liable for any damages or costs of any type arising out of or in any way connected with your use of the loan request service. You understand that participating lenders may keep your application information, whether or not you are qualified for a loan with them.
Control over Features, Functions, and Access to the Service
FCPersonalLoans.com reserves the right to change any information, features and/or functions of the loan request service without prior notice. FCPersonalLoans.com may deny you access to all or part of the services without prior notice if you engage in any conduct or activities that FCPersonalLoans.com determines, in its sole discretion, violate these Terms, the rights of FCPersonalLoans.com or any third party, or is otherwise inappropriate. FCPersonalLoans.com is not responsible for any errors or delays in providing the loan request services caused by errors in any of the application information provided by you or by any technical problems beyond our reasonable control.
Disclaimers and Limitations
THIS WEB SITE AND THE INFORMATION, SOFTWARE, PRODUCTS, AND SERVICES ASSOCIATED WITH IT ARE PROVIDED "AS IS." FCPERSONALLOANS.COM EXPRESSLY DISCLAIMS ANY WARRANTY OF ANY KIND, WHETHER EXPRESS OR IMPLIED, AS TO ANY MATTER WHATSOEVER RELATING TO THIS WEB SITE 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. FCPERSONALLOANS.COM MAKES NO WARRANTY AS TO THE RESULTS THAT MAY BE ACHIEVED BY USING THIS WEB SITE AND THE INFORMATION, SOFTWARE, PRODUCTS AND SERVICES ASSOCIATED WITH IT. USE OF THIS WEB SITE AND/OR FCPERSONALLOANS.COM'S SERVICES IS AT YOUR OWN RISK. FCPERSONALLOANS.COM AND/OR ITS PARTICIPATING LENDERS 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 THIS WEB SITE AND/OR FCPERSONALLOANS.COM'S SERVICES OR WITH THE DELAY OR INABILITY TO USE THIS WEB SITE, OR FOR ANY INFORMATION, SOFTWARE, PRODUCTS AND SERVICES OBTAINED THROUGH THIS WEB SITE, OR OTHERWISE ARISING OUT OF THE USE OF THIS WEB SITE, WHETHER RESULTING IN WHOLE OR IN PART, FROM BREACH OF CONTRACT, TORTIOUS BEHAVIOR, NEGLIGENCE, STRICT LIABILITY OR OTHERWISE, EVEN IF FCPERSONALLOANS.COM OR ITS PARTICIPATING LENDERS HAVE BEEN ADVISED OF THE POSSIBILITY OF DAMAGES. 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 FCPERSONALLOANS.COM, ITS PARTICIPATING LENDERS, AND THEIR OFFICERS, DIRECTORS, AGENTS, SUBSIDIARIES, AFFILIATES, EMPLOYEES, SUCCESSORS, ASSIGNS, CONTENT PROVIDERS AND SERVICE PROVIDERS IS LIMITED TO THE GREATEST EXTENT PERMITTED BY LAW.
As a condition of using this web site and/or the services offered herein, you agree to indemnify FCPersonalLoans.com and its participating lenders from and against any and all liabilities, expenses (including attorneys' fees) and damages arising out of claims resulting from your use of this web site, including without limitation any claims alleging facts that if true would constitute a breach by you of these Terms.
Links to Third Parties
This web site may contain links to other web sites operated by participating lenders or other third parties. Such links are provided for your convenience and reference only. FCPersonalLoans.com does not operate or control in any respect any information, software, products or services available on such third party sites. FCPersonalLoans.com's inclusion of a link to a web site does not imply any endorsement of the services or the site, its contents, or its sponsoring organization.
Any controversy or claim arising out of or relating to the use of the web site, to the goods or services provided by FCPersonalLoans.com, or to any acts or omission for which you may contend FCPersonalLoans.com is liable, including but not limited to any controversy or claim as to arbitrability ("Dispute"), will be settled finally and 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 Gilbert, Arizona and judgment on the arbitration award may be entered into any court of competent jurisdiction in Gilbert, Arizona. No arbitrator shall have the power to award damages in connected with any Dispute in excess of actual compensatory damages and shall not multiply actual damages or award consequential, punitive or exemplary damages, and each party irrevocably waives any claim thereto. The agreement to arbitrate shall 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.
THESE TERMS PROVIDE THAT ALL DISPUTES BETWEEN YOU AND FCPersonalLoans.com WILL BE RESOLVED BY BINDING ARBITRATION. THUS, YOU GIVE UP YOUR RIGHT TO GO TO COURT TO ASSERT OR DEFEND YOUR RIGHTS. YOU ALSO GIVE UP YOUR RIGHT TO PARTICIPATE IN OR BRING CLASS ACTIONS. YOUR RIGHTS WILL BE DETERMINED BY NEUTRAL ARBITRATORS AND NOT A JUDGE OR JURY. By using FCPersonalLoans.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 FCPersonalLoans.com, you agree that jurisdiction over and venue of any suit shall be exclusively in the state and federal courts sitting in Gilbert, Arizona. 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 (1) year after such claim or cause of action arose or be forever barred.
By providing your cell phone number, you are agreeing to receive promotions from us and our partners on your mobile phone. We do not charge you to participate in this program. Under no circumstances will we be responsible for fees that your wireless carrier or other third parties may charge you for use of the Service.
These Terms constitute the entire agreement between you and FCPersonalLoans.com. These Terms shall be governed by the laws of Gilbert, Arizona without regard to its conflict of law provisions. 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 matches the intent of the original provision and the remainder of these Terms shall remain in effect. Any failure by FCPersonalLoans.com to exercise or enforce any right or provision of these Terms will not be deemed a waiver of such right or provision. FCPersonalLoans.com may amend these Terms at any time by posting the amended terms on its web site. All amended terms are automatically effective immediately, upon posting.
You may direct any questions concerning these Terms to:
2487 S Gilbert Rd Ste 106-417
Gilbert, AZ 85295
For your protection: The owner of this Website is NOT A LENDER and does not endorse or charge you for any service or product and there is no guarantee that by completing this form a loan will be provided. Only your lender can provide you with information about your specific loan terms and APR and the implications for non-payment of your loan. Ask your lender for their current rates and charges and their policies for non-payment. If you do not pay your loan according to its terms, your lender may: CHARGE YOU LATE FEES, SEND YOUR ACCOUNT TO A COLLECTION AGENCY, REPORT YOUR INFORMATION TO A CONSUMER REPORTING AGENCY WHICH MAY NEGATIVELY AFFECT YOUR CREDIT SCORE OR MAY OFFER TO RENEW, EXTEND OR REFINANCE YOUR LOAN WHICH MAY CAUSE YOU TO INCURE ADDITIONAL FEES, CHARGES AND INTEREST.
Actual loan amounts, terms and interest rates may vary by state and by lender. This website does not constitute an offer or solicitation to lend. This website simply attempts to connect you with an appropriate lender or lending network based on your application. Cash transfer times may vary between lenders and in some circumstances faxing is required. Typically lenders will NOT perform credit checks with the three major credit reporting bureaus: Experian, Equifax, TransUnion. However, credit checks or consumer reports through alternative providers may be obtained by some lenders in order to complete the loan application process. Each lender is required to provide you, the consumer, with all costs associated to be expressed as an annual percentage rate of interest (APR). This information will include the identity of the creditor, the amount financed, the itemization of amount financed, the finance charge, the annual percentage rate, your payment schedule, and your total number of payments. Your interest rate will vary depending upon which product you select from which lender - Currently this range is usually anywhere from 0% up to 450% APR. No lenders should charge you an upfront fee. Do not agree to any terms if there is an upfront fee. Loan renewal policies are largely governed by state regulatory legislation. The loan renewal options will be presented to you by your lender prior to your acceptance of the loan. Please make sure to diligently read the renewal policy presented to you prior to signing the loan documents.
NOTICE: PLEASE BORROW RESPONSIBLY. A SHORT TERM LOAN SHOULD BE USED FOR SHORT-TERM FINANCIAL NEEDS ONLY, NOT AS A LONG-TERM FINANCIAL SOLUTION. CUSTOMERS WITH CREDIT DIFFICULTIES SHOULD SEEK CREDIT COUNSELING OR MEET WITH A NONPROFIT FINANCIAL COUNSELING SERVICE IN THEIR COMMUNITY. FIRST CHOICE ADVANCES ONLY REFERS YOU TO LENDERS MOST WILLING TO FUND YOUR LOAN NOT NECESSARILY THE LOWEST INTEREST RATE.