National Corporate Credit is not a lender or a creditor. National Corporate Credit does not make loans or credit decisions in connection with loans. National Corporate Credit does not endorse or recommend the products of any particular Lender. National Corporate Credit is not an agent of either you or any Lender. National Corporate Credit services are only administrative. You should rely on your own judgment in deciding which available loan product, terms or Lender best suits your needs and financial means.
The Lender is solely responsible for its services to you, and you agree that National Corporate Credit shall not be liable for any damages or costs of any type arising out of or in any way connected with your use of such services. You understand that Lenders may keep your loan request information and any other information provided by National Corporate Credit or received by them in the processing of your loan request, 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 want to receive communications from them.
The Websites and the services provided by National Corporate Credit are available in connection with non-mortgage loans unless otherwise specified. Loans may only be made to residents of states where Lenders are licensed or authorized to make such loans. Lenders are not attempting to make loans outside of their authorized states or country by participating in and offering their products on the Websites. National Corporate Credit and Lenders expressly reserve the right to discontinue, suspend or terminate the offering of any loan product in any specific state through the Websites at any time, without prior notice.
The data and other information you may provide National Corporate Credit is not, and is not treated as, an application for a loan or a request to be pre-approved, pre-qualified or any similar concept. National Corporate Credit does not guarantee acceptance into any particular loan program or specific loan terms or conditions with any Lender; loan approval standards are established and maintained solely by individual Lenders. Likewise, National Corporate Credit does not guarantee that the loan terms or rates offered and made available by Lenders are the best terms or lowest rates available in the market.
A Lender's conditional loan offer may be subject to market conditions, approval and qualification. The rates and fees actually provided by Lenders may be higher or lower depending on your complete credit profile, collateral/property considerations (if applicable) including but not limited to location, equity and value and income/asset consideration including but not limited to loan to value and debt to income ratios. Unless expressly stated in writing, nothing contained herein shall constitute an offer or promise for a loan commitment or interest rate lock-in agreement.
Lenders may not offer all products as well as not offer products in all states. You might not be matched with the Lender making any specific offer. To help the government fight identity theft, the funding of terrorism and money laundering activities, National Corporate Credit and/or its Lenders may obtain, verify and record information that identifies each person who opens an account with them. They may ask for your name, Social Security Number, address, telephone number, date of birth and other important information that will allow them to properly identify you. During the Lenders' formal application process, they may also ask to see your driver’s license or other identifying documentation to further assist in certifying your identity.
National Corporate Credit is paid a marketing lead generation fee by Lenders for the goods, facilities and services provided. Your use of the Websites and/or National Corporate Credit's services constitutes your agreement with this compensation arrangement. At closing, you will be responsible for paying for any closing costs associated with your loan (such as loan processing, underwriting or funding fees). National Corporate Credit does not charge you a fee for its service in matching you with Lenders.
By clicking on any button indicating an acceptance or agreement to terms, a continuance of processing or submission ("submission") you understand that you are consenting, acknowledging and agreeing to the stated terms and conditions of that submission and that you are submitting an inquiry as to a lending product through National Corporate Credit to each of the Lenders to whom your loan request is transmitted.
You are also indicating that you are consenting, acknowledging and agreeing to receive important notices, disclosures and other communications ("Disclosures and Communications") in electronic form (either by email or via the Internet) as provided for in the Consent for Electronic Disclosures and Communications from National Corporate Credit, LLC and its Network Lenders. You understand that you will need, and have access to an email address, Internet access and PDF software to review the Disclosures and Communications. In addition, you acknowledge that we may access your credit file even if your Social Security Number is not provided and that you have received and reviewed and, where applicable, signed the necessary required disclosures.
Not all lenders will receive and/or utilize your SSN to access your credit report and/or credit score. National Corporate Credit does not perform hard inquiries into credit, rather it does a soft inquiry to adhere to Anti-Money Laundering requirements and to assist in identification and verification of consumers as well as to prevent fraud.
The information National Corporate Credit receives from your credit report and/or credit score is not shared with Lenders, but is used by internal personnel on a “need to know” basis. From time-to-time National Corporate Credit is examined by State and Federal Regulators and as such is required to maintain your Personally Identifiable Information to adhere to those requirements.
Your information may also be obtained from Lenders after you are matched to adhere to state and federal reporting and record retention requirements. You authorize National Corporate Credit and its participating Lenders to share such information as required.
NOTE: By completing a submission, you agree that National Corporate Credit can access certain information from your credit file. This information could include, but might not be limited to, your credit report, credit score, and other credit information.
You agree that we may use and analyze your information as follows:
(a) present you an overview of your credit profile including detailed information where available;
(b) provide you with customized recommendations and general information about you; and
(c) serve you targeted ads and other communication based on your information.
Your credit score or credit report will never be given to a third party by National Corporate Credit.
By submitting the loan request containing your electronic signature, you are extending an express invitation to each Lender you have been matched with to contact you by telephone at the numbers (whether landline or cellular) you have provided so they may assist you with your transaction, and you hereby consent to any such calls even if your phone number is on any Do Not Call list, or by email at the email address you provided or at another address that may be associated with you that we receive from Lenders or other parties and you hereby consent to any such email so it will not be considered spam or unauthorized by any local, state or federal law or regulation.
In addition, you consent, acknowledge and agree that National Corporate Credit, a lender with whom you have been matched or an associated third party may use an automatic dialing system in connection with calls made to any telephone number you entered, even if it is a cellular phone number or other service for which the called person(s) could be charged for such call. By saving your information with National Corporate Credit or by doing a submission, you give National Corporate Credit permission to retain all such provided information and to make live or recorded calls to discuss, provide or remind you of any information in regards to your submission, including incomplete loan requests, the delivery of loan request matches, deadlines, quality of services or other matters in connection with your loan request.
For any service, you represent that all of the information you have provided in your submission and loan request is true and complete.
COPYRIGHT, TRADEMARK AND SERVICE MARK NOTICES
All contents of the Websites are: Copyright © 2018 National Corporate Credit, LLC and/or its suppliers, Lenders, Providers or real estate companies. National Corporate Credit is a registered trademark of National Corporate Credit, LLC. Other product and company names mentioned herein, including the names of Lenders, may be the trademarks of their respective owners.
Nothing on the Websites should be construed as granting, by implication, estoppel or otherwise, any license or right to use any service mark or trademark (individually and collectively, "Mark" or "Marks") displayed on the Websites, without the prior written permission of the National Corporate Credit or the applicable Mark holder specific for each such use. The Marks may not be used to disparage National Corporate Credit, the Lenders, the applicable third party or the products or services of such parties, nor shall they be used in any manner that may damage any goodwill in the Marks. Use of any Mark as part of a link to or from any site is prohibited unless establishment of such a link is approved in advance by National Corporate Credit in writing.
The Websites contains copyrighted material, trademarks and other proprietary information, including, but not limited to, text, software, photos, video, graphics, music and sound, and the entire contents of the Websites are copyrighted as a collective work under the United States copyright laws.
National Corporate Credit owns a copyright in the selection, coordination, arrangement and enhancement of such content, as well as in the content original to it.
You may not modify, publish, transmit, participate in the transfer or sale, create derivative works or in any way exploit, any of the content, in whole or in part. Except as otherwise expressly permitted under copyright law, no copying, redistribution, retransmission, publication or commercial or non-commercial exploitation of downloaded material will be permitted without the express written permission of National Corporate Credit and the copyright owner.
Elements of the Websites are protected by trade dress, trademark, unfair competition, and other state and federal laws and may not be copied or imitated in whole or in part, by any means, including but not limited to, the use of framing or mirrors.
DISCLAIMERS AND LIABILITY
National Corporate Credit intends that the information contained in the Websites be accurate and reliable; however, errors sometimes occur. The information is provided as a service to the general public over the age of eighteen and is subject to change without prior notice. In addition, changes and improvements to the information provided herein and are provided "as-is" without warranty of any kind, implied, expressed or otherwise.
Under no circumstances will National Corporate Credit be liable for any loss or damage caused by your reliance on information obtained through the Websites. It is your responsibility to evaluate the accuracy, completeness or usefulness of any information, opinion, advice or other content available through the Websites.
The websites and the information, software, products and services associated with it are provided "as is". National Corporate Credit and/or its suppliers, lenders, providers or real estate companies disclaim any warranty of any kind, whether express or implied, as to any matter whatsoever relating to the websites and any information, software, products and services provided herein, Including without limitation the implied warranties of merchantability, fitness for a particular purpose, title, and noninfringement. use of the websites and/or National Corporate Credit's services is at your own risk.
National Corporate Credit and/or its Suppliers, lenders, providers or real estate companies are not liable for any direct, indirect, punitive, incidental, special or consequential damages or other injury arising out of or in any way connected with the use or the inability to use the websites and/or National Corporate Credit's services or with the delay or inability to use the websites, or for any information, software, products and services obtained through the websites,
Including but not limited to reliance by you on any information obtained at the websites, or that result from mistakes, omissions, interruptions, deletion of files or emails, errors, defects, viruses, worms, trojan Horses, trap doors, back doors, easter eggs, time bombs, cancelbots or other code or computer programming routines that Contain contaminating or destructive properties or that are intended to damage, detrimentally interfere with, surreptitiously Intercept or expropriate any system, data or personal information, delays in operation or transmission, or any failure of Performance, whether or not resulting from acts of god, communications failure, theft, destruction or unauthorized access to National Corporate Credit records, programs or services, or otherwise arising out of the use of the websites, whether resulting in whole Or in part, from breach of contract, tortious behavior, negligence, strict liability or otherwise, even if National Corporate Credit and/or its Suppliers, providers or real estate companies have been advised of the possibility of damages. some jurisdictions do not allow the Exclusion of implied warranties, so the above exclusion may not apply to you.
This Agreement (which hereby incorporates by reference any other provisions applicable to use of the Websites, including, but not limited to, any supplemental terms governing the use of certain specific material contained in the Websites and any operating rules for the Websites established by National Corporate Credit) constitutes the entire agreement between you and National Corporate Credit and it supersedes all prior or contemporaneous communications, promises and proposals, whether oral, written or electronic, between you and National Corporate Credit with respect to the Websites and information, software, products and services associated with it. This Agreement shall be subject to and construed in accordance with the laws of the State of North Carolina, excluding its conflict of laws principles.
If any part of this Agreement is determined to be invalid or unenforceable pursuant to applicable law including, but not limited to, the warranty disclaimers and liability limitations set forth above, then the invalid or unenforceable provision will be deemed superseded by a valid enforceable provision that most closely matches the intent of the original provision, and the remainder of the Agreement shall continue in effect. A printed version of this Agreement and of any notice given in electronic form shall be admissible in judicial or administrative proceedings based upon or relating to this Agreement to the same extent and subject to the same conditions as other business documents and records originally generated and maintained in printed form. All rights not expressly granted herein are reserved.
PLEASE PRINT AND RETAIN A COPY OF THIS AGREEMENT FOR YOUR RECORDS.