Any loan-matching request You submit via this Website is NOT an application for credit, a loan application, or any such request. Rather, it is a request to be matched with lenders to receive conditional loan offers from said Lenders. To be clear, PDL90 is a computerized short-term loan matching service only and does not make loans of any sort. PDL90 contracts with certain short-term or “payday” loan providers (“Lenders”) who assess loan applications according to their own criteria. Any data or information You voluntarily choose to provide will be assessed by the Lenders without independent assessment or input from PDL90. Therefore the data and other information You may choose to provide is not and should not be considered to be an application for a loan or a request to be pre-approved or pre-qualified for a loan, or any similar concept, as originating from PDL90. In this regard PDL90 provides only administrative services that facilitate a match between eligible prospective borrowers and a subset of the existing available Lenders. Since PDL90 does not establish the terms upon which Lenders accept or reject loan applications, PDL90 cannot guarantee acceptance into any particular loan program. Any data or information You choose to provide will be forwarded to the Lenders who will then contact You, at their discretion, should they need any follow-up before they can accept or reject a loan application. PDL90 is not a lender and does not take loan applications, make loan or credit decisions in connection with loans, nor does PDL90 issue loan commitments or interest rate lock-in agreements. PDL90 is not an agent of You, of any participating Lender, or of any third-party provider of any type. BY YOUR CONTINUED ACCESS, BROWSING AND/OR USE OF THIS WEBSITE, YOU ACKNOWLEDGE THAT PDL90’S SERVICES ARE ONLY ADMINISTRATIVE IN NATURE AND DO NOT CONSTITUTE LENDING SERVICES OF ANY VARIETY DESPITE WHAT THE LAW MAY OR MAY NOT SAY IN YOUR JURISDICTION.
Any request to be matched with Lenders that You submit through the Website shall be forwarded to select Lenders, and these Lenders shall make certain disclosures to You subject to applicable law. PDL90 does not warrant, guarantee, certify, endorse, or otherwise claim affiliation with or verify the contents of any disclosures made by said Lenders. Should You have questions regarding any disclosures made by the Lenders, You are encouraged to direct such questions to the Lenders themselves. If the Lenders cannot address Your concerns to Your satisfaction, You are then encouraged to contact an attorney to discuss your concerns to Your satisfaction prior to engaging in any loan transaction. BY YOUR CONTINUED ACCESS, BROWSING AND/OR USE OF THIS WEBSITE, YOU ACKNOWLEDGE THAT PDL90’S OBLIGATIONS TO YOU WITH RESPECT TO MAKING DISCLOSURES UNDER ANY APPLICABLE LENDING LAW, SHOULD SUCH OBLIGATIONS EXIST, HAVE BEEN SATSIFIED.
PDL90 does not charge You a fee for any of its services but rather receives its compensation from the Lenders. PDL90’s compensation may vary depending upon the specific loan that results from Your having provided information to the Lender through the Website. Rates of compensation from said Lenders may also vary on other factors and are subject to change from time to time. PDL90 therefore is not in the routine habit of disclosing the details of its compensation mechanisms to visitors of the PDL90 Website. Should You have any questions regarding the fee paid to PDL90 by any Lender who offers You a loan, You are encouraged to direct any questions to that Lender.
PDL90 is not a lender and does not make loans or credit decisions in connection with loans. PDL90 does not endorse or recommend the products or services of any particular lender, even if that lender is among the Lenders to which your information is submitted, should you choose to request to be matched to lenders by accessing the appropriate portions of this Website. You should rely upon your own judgment and, if necessary, advice of counsel should you decide to accept a loan offer from one or more of the Lenders to which PDL90 matches You. You understand that Lenders may keep your loan request information and any other information provided by PDL90 or received by them in the processing of your loan-matching request submitted through this Website, whether or not You are qualified for a loan with them or if you make a loan with them. You agree to notify any particular Lender directly if you no longer wish to receive communications from them.
The Website and other materials provided or published by PDL90 may from time to time contain information related to various financial, credit, lending, consumer, political, economic, and social issues or conditions that may affect consumers generally and consumers of payday loan services in particular. These materials, as with all content appearing on the Website, are meant for informational purposes only. YOU AGREE THAT IN NO FASHION WHATSOEVER DO YOU CONSIDER ANY information within the Services or any other content available on the Website TO BE an acceptable substitute for PROFESSIONAL INVESTMENT advice OR PROFESSIONAL FINANCIAL PLANNING SERVICES. You agree not to rely solely upon the Services or any other content available on the Website for investment advice or financial planning services. If You have or suspect that You have a need for investment advice or financial planning services, You should consult a trained investment advisor or professional financial planner to determine what courses of action, if any, may be appropriate for You.
The Website is available only to entities and persons over the legal age of majority for the purpose of forming binding contracts as defined by applicable law. If You are not of the legal age of majority for the purpose of forming binding contracts, You are not permitted to use the Website.Under no circumstances is the Website available to persons under thirteen (13) years of age. If You are not at least thirteen (13) years of age, You are not permitted to use the website.
Various products or services listed on the Website may not be available in all countries, may be known by different names, or be subject to different regulations from country to country. As of the last update to these Terms (September 15, 2010), the services listed on the Website were available exclusively within the and Canada. PDL90 and the Lenders with whom PDL90 works expressly reserve the right to discontinue, suspend, or terminate the offering of any loan product in any specific state through the Website at any given time, without prior notice.
In addition to the other restrictions set forth in these Terms, You agree that:
a) You will not use or access any service, information, application, or software available through the Website in a manner not explicitly permitted by PDL90;
b) Certain areas of the Website may be restricted only to customers, suppliers, vendors, agents, investors, or other business partners of PDL90;
c) You may not use or access the Website or the Services in any way that, in PDL90’s sole judgment, adversely affects the performance or function of the Website or the Services or otherwise interferes with ability of authorized parties to access the Website and the Services; and
d) You may not frame or utilize any framing techniques or technologies to enclose any portion or aspect of the Website or the Services on another Internet website or other computer network, without the express prior written permission of PDL90.
TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, UNDER NO CIRCUMSTANCES, INCLUDING, WITHOUT LIMITATION, NEGLIGENCE, SHALL PDL90 OR ITS PARENTS, SUSIDIARIES, AFFILIATES, OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, OR SUPPLIERS BE LIABLE FOR ANY DIRECT, INDIRECT, SPECIAL, OR CONSEQUENTIAL DAMAGES ARISING FROM OR IN CONNECTION WITH THE USE OF OR THE INABILITY TO USE THE WEBSITE OR THE SERVICES OR ANY CONTENT CONTAINED ON THE WEBSITE OR WITHIN THE SERVICES, OR, EXCEPT AS OTHERWISE PROVIDED UNDER APPLICABLE LAWS AND REGULATIONS REGARDING THE SECURITY OF PERSONAL DATA, RESULTING FROM UNAUTHORIZED ACCESS TO OR ALTERATION OF YOUR TRANSMISSIONS OR DATA, OR OTHER INFORMTION THAT IS SENT OR RECEIVED OR NOT SENT OR RECEIVED, INCLUDING BUT NOT LIMITED TO, DAMAGE FOR LOSS OF PROFITS, USE, DATA OR OTHER INTANGIBLES, EVEN IF PDL90 HAS BEEN ADVISED OF THE POSSIBLITY OF SUCH DAMAGES. THE PARTIES ACKNOWLEDGE THAT THIS IS A REASONABLE ALLOCATION OF RISK, EVEN IF PDL90 HAS BEEN ADVISED OF THE POSSIBLITY OF SUCH DAMAGES. SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OF CERTIAN WARRANTIES OR LIMITIATIONS OF SPECIFIC LIABILITIES. THE ABOVE LIMITIATIONS THEREFORE MAY NOT APPLY TO YOU. PDL90’S LIABILITY IN SUCH CASE WOULD BE LIMITED TO THE GREATEST EXTENT PERMITTED BY LAW.
You understand and agree that You are solely and personally responsible for Your behavior on the Website. You agree to indemnify, to defend, and to hold harmless PDL90, its affiliated companies, joint venturers, business partners, licensors, investors, employees, agents, and any third-party information providers to the Website or the Services from and against all claims, losses, expenses, damages, and costs (including, but not limited to, direct, incidental, consequential, exemplary, and indirect damages), and reasonable attorney’s fees, resulting from or arising out of Your use, misuse, or inability to use the Website or the Services or by any violation of these Terms by You.
You agree to use the Website in strict compliance with all applicable laws, rulings, and regulations and in a fashion that does not, in PDL90’s sole judgment, negatively reflect upon PDL90’s goodwill or reputation and shall take no actions that would cause PDL90 to be in violation of any laws, rulings, or regulations that apply to PDL90.
PDL90 and the Website are based in the United States, which, along with certain other jurisdictions, control or otherwise restrict the export of certain products and information. You agree to comply with all such restrictions and not to export or re-export the Services or other content available from the Website to countries or persons prohibited under the laws of the United States or other export control laws or regulations. If You access or download the Services or any other content from the Website, You represent that You are not in a country where such export is prohibited or are not a person or entity to which such export is prohibited. You are solely responsible for compliance with the laws of Your local jurisdiction and any other applicable laws regarding import, export, or re-export of the Services or other content from the Website.
Any and all intellectual-property rights (“IP”) associated with the Website or with the Services are solely PDL90’s properties (with the exception of the third-party trademarks and copyrights listed below). The Services and other aspects of the Website are protected by copyright, trademark, trade dress, unfair competition, and other applicable laws in both the United States and in other countries and may not be copied or imitated in whole or in part. All custom graphics, icons, and other items that appear on the Website are trademarks, service marks, or trade-dress elements (“Marks”) of PDL90, its affiliates, or other entities that have granted PDL90 the right and license to use such Marks and may not be used or interfered with in any manner without the express prior written consent of PDL90 or their respective owners. Except as otherwise expressly authorized by these Terms, You may not copy, reproduce, modify, lease, loan, sell, create derivative works from, upload, transmit, or distribute the IP from the Website in any way without PDL90’s or the appropriate third party’s express prior written permission. Except as expressly provided herein, PDL90 does not grant You any express or implied rights to PDL90’s or any third party’s IP.
PDL90 grants You a limited, personal, nontransferable, nonsublicensable, revocable, license to:
a) Access and use only the Website and the Services and only in the manner presented by PDL90; and
b) Access and use only the PDL90 computer and network services offered within the Website (“System”) and only in the manner expressly permitted by PDL90.
Except for this limited license, PDL90 does not convey any interest in or to the Website, Services, or System or any other PDL90 property or IP to You by permitting You to access the Website. Except to the extent required by applicable law or as expressly provided herein, none of the Services or other content on the Website may be reverse engineered, modified, reproduced, republished, translated into any language (whether human or computer), re-transmitted in any form, or, by any means, resold or redistributed, without PDL90’s express prior written permission. You may not make, sell, offer for sale, modify, reproduce, display, publicly perform, import, distribute, retransmit, or otherwise use the Services in any way, unless given PDL90’s express prior written consent.
The Website and much of its contents are protected by the copyright laws of the United States and several other foreign countries and belong exclusively to PDL90 or its partners, affiliates, contributors, or third parties. Such copyrights include the Website as a whole along with any and all animated videos appearing on the Website, the Website text, and the website designs and layouts individually and as used apart from the Website as whole. The copyrights within the Services and other content available on the Website are owned by PDL90 and other copyright owners who have authorized their use on the Website. You may download and reprint content from the Website for non-commercial, non-public, personal use only. If You are browsing the Website in Your capacity as an employee, agent, independent contractor, or other representative of any business or organization, You may download and reprint content from the Website or the Services for educational or other non-commercial purposes only and only for use within Your business or organization. You may not manipulate or alter any content taken from the Website or the Services in any fashion whatsoever, including but not limited to the creation of derivate works, without PDL90’s express prior written permission. The Website, in both its rendered and HTML formats, constitutes an original work of authorship registered with the U.S. Copyright Office, Library of Congress, and owned by PDL90. The Website was first published in its present form in 2010, and PDL90 reserves all rights to it, except as expressly provided herein. Animated videos appearing on the website, first published in 2010, are also subject to copyrights owned by PDL90 and PDL90 reserves all rights to them except as otherwise expressly provided herein.
You are prohibited from using any of the Marks or logos appearing throughout the Website without the express prior permission of the Mark’s or logo’s owner, including but not limited to, Paydayloans90.co.uk, or the Paydayloans90.co.uk logo, except as otherwise permitted by applicable law.
From time to time logos, trademarks, trade names, and service marks owned and/or registered by parties other than PDL90 (“Third-Party Marks”) may appear on the Website either with or without the express permission of their respective owners. PDL90 makes no representation of affiliation, endorsement of or by, joint ventureship, existing or future business dealings, or other connection with or to these other parties. By way of example, and without limitation, the following Third-Party Marks appear or may at any future time appear on the Website:
Furthermore, several original literary works of authorship in the form of news articles and informational pieces describing the features of and events affecting the personal lending industry also appear on the Website. These works are the property of any listed owner of any copyrights thereto. Said works are reproduced on the Website with the express permission of their respective owners, who otherwise reserve all rights therein. You agree not to reproduce, to modify, or to distribute copies of these works. Should You choose to reproduce, to modify, or to distribute copies of these works, You and You alone are responsible for any damages arising from Your actions.
Neither PDL90 nor any of its employees accept or consider unsolicited ideas, including ideas for new advertising campaigns, marketing strategies, new or improved products, technologies, services, processes, materials, or new product names. PDL90 has found this policy necessary in order to avoid misunderstandings should PDL90’s business activities bear coincidental similarities with one or more of the unsolicited ideas submitted. Please do not send Your unsolicited ideas to PDL90 or anyone at PDL90. If, in spite of our request that You not send Your unsolicited ideas, You still send them, then regardless of what Your email, letter, or other transmission may say: (1) Your idea will automatically become the property of PDL90, without any compensation to You; (2) PDL90 will have no obligation to return Your idea to You or to respond to You in any way; (3) PDL90 will have no obligation to keep Your idea confidential; and (4) PDL90 may use Your idea for any purposes whatsoever, including giving Your idea to others.
PDL90 and the Lenders to whom PDL90 submits Your information in response to a loan-matching request may from time to time choose to deliver information to You electronically, including up to all of the information either PDL90 or the Lenders may every send you. You agree to receive all current and future notices, communications, and information, and to conduct business electronically with PDL90 and the Lenders. This means that PDL90 and the Lenders may communicate with You by sending a message to the email address You provide or to another email address that may be associated with You that PDL90 or the Lenders receive from other sources. You agree that you meet certain minimum threshold technical requirements (stated below) and that You are able to access and retain copies of notices and information sent or made available electronically. The below-stated minimum threshold technical requirements are independent of any additional requirements that any given Lender shall impose. Should You have any concerns or questions as to the specific technical requirements of a given Lender, You should consult with that Lender before agreeing to conduct business with that Lender.
PDL90’s Technical Requirements:
To access and retain information and notices PDL90 or will need to send or otherwise to make available to you, you will need:
- Internet access with 128-bit encryption;
- Adobe Acrobat Reader 6 (or higher version);
- a web browser with the ability to print therefrom; and
- email access
PDL90 may modify or update these Terms at any time and without notice. Your continued use of the Website and the Services after any changes to these Terms will mean that You accept those changes. Any aspect of the Website may be changed, supplemented, updated, modified, or deleted in the sole discretion of PDL90 and at any time without notice.
You agree that PDL90, in its sole discretion, may terminate or suspend Your use of the Website and the Services at a any time and for any reason or no reason at all, even if access and use continues to be allowed to others. Upson such suspension or termination, You must immediately: (1) discontinue use of the Website; and (2) destroy any copies You have made of any portion of the Website or that otherwise contain information pertaining to the Services. Accessing the Website after such termination, suspension, or discontinuation shall constitute an act of trespass. Further, You agree that PDL90 shall not be liable to You or to any third party for termination or suspension of Your access to the Website or the Services.
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