Terms of Use

Welcome to TheLoanSheet.com (the “Website”).  This Website is owned and operated by The Loan Sheet, LLC (“we”, “us”, “our,”“The Loan Sheet,”“The Company”).  These Terms of Use (the “Terms of Use”) contain the terms and provisions applicable to your access to and use of Website.  Your use of this Website (and any other feature, content or application offered from time to time by the Website) is subject at all times to these Terms of Use (as the same may be modified by us from time to time) and all applicable laws, rules and regulations. Please read these Terms of Use carefully and contact us with any questionsat info@theloansheet.com.

1.  Acceptance of Terms

By accessing this Website, you agree that you have read, understand and agree to be legally bound by the terms and conditions set forth below and the terms of the Privacy Policy of this Website.  If you do not agree to be bound by these Terms of Use, you are notauthorized to use or access this Website.  These Terms of Use may be modified, changed or altered by us at any time. Such changes, modifications, additions or deletions shall be effective immediately upon posting on the Website.  Any continued use by you of the Website shall be deemed to constitute acceptance of such changes.
Loan Matching Service

TheLoanSheet.com’s loan matching service matches consumers with prospective lending provider web sites participating in The Loan Sheet’s network of participating web site providers. To use the service, you may be asked to complete one or more online application forms that request specific information from you, including, but not limited to, your name, address, telephone number, email address, social security number, banking account information, and employment information. TheLoanSheet.com’s use of this information is subject to this site’s Privacy Policy. In order to use this web site or the service, you must agree to the separate terms and conditions set forth in the Privacy policy, which are incorporated herein by reference.

By submitting the application form(s), you understand and agree that you are submitting an inquiry about a loan product to TheLoanSheet.com and each of the participating lenders to whom The Loan Sheet transmits your loan request. By submitting the application form(s), you are extending an express invitation to TheLoanSheet.com to any 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 lender web sites who receive your application information from TheLoanSheet.com review your information in real-time to determine whether your information meets the lending web site’s loan qualification criteria. Participating lender web sites may, among other things, verify your social security number, perform a credit check, and review your information against national databases 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.

You understand and agree that, once you have been redirected to the lender, or lending platform’s web site, TheLoanSheet.com has no further involvement in the loan application or approval process. Your subsequent interactions with the lender are subject to privacy policy, terms of use, and other policies and/or terms enforced by that lender.

2  We are not a lender

We do not broker loans to lenders and do not make loans or credit decisions. This Website does not constitute an offer or solicitation to lend. This site may submit the information you provide to a lending provider website. Providing your information on this Website does not guarantee that you will be approved for a loan by a lender or lending provider website. The operator of this Website is not an agent, representative or broker of any lending platform and does not endorse or charge you for any service or product. This service is not available in all states, and the states serviced by this Website may change from time to time and without notice. For details, questions or concerns regarding your loan, please contact the applicable lender or lending platform directly. We may also present short-term cash loan offers, which are meant to provide you with short term financing to solve immediate cash needs and should not be considered a long term solution. Residents of some states may not be eligible for a short term cash loan based upon lender requirements.

3.  Permitted Uses

This Website is not intended for, and we have no intention of collecting personally identifiable information from, children under the age of 13.  Additionally, if you are 17 years old or younger, you are not authorized to register or submit any Content (as defined in Paragraph 7 below) or information to this Website without the explicit consent of your parent or legal guardian. If you live in a state where consent of a parent or guardian is required if you are under the age of 21, you may be required by us to secure such consent prior to your registration with the Website.  This Website is not intended for commercial use.  The content and information posted on this Website are provided as complementary information foryou and may be used for your informational and personal purposes only.  Material from this Website may not be copied or distributed, or republished, or transmitted in any way, without our prior written consent.  Any unauthorized use or violation of these Terms of Use immediately and automatically terminates your right to use this Website and may subject you to legal liability.

You agree not to use the Website for illegal purposes (including, without limitation, unlawful, harassing, libelous, invasion of another’s privacy, abusive, threatening or obscene purposes), and you agree that you will comply with all laws, rules and regulations related to your use of the Website. Appropriate legal action will be taken for any illegal or unauthorized use of the Website by you. Some examples of unauthorized or illegal use of this Website include, but are not limited to:

  1. the unauthorized framing by you of the Website;
  2. criminal or tortious activity, including fraud, gambling, sending of viruses or other harmful files, copyright infringement, patent infringement, or theft of trade secrets;
  3. interfering with, disrupting, or creating an undue burden on the Website or the networks or services connected to the Website;
  4. use any robot, spider, Web crawler, screen scraper, automated query program or other automatic device or manual process to monitor or copy our web pages or the content contained herein.
  5. attempting to impersonate another  person;
  6. using the Website in a manner inconsistent with any and all applicable laws and regulations.

4. Links to Third Party Sites; Advertisers

The Website will provide you with links or other access to other websites, services, products or content of third parties. You acknowledge and agree that you access such third party websites, services, products or content at your own risk and are wholly responsible for making your own independent judgment regarding your use or interaction with the same.  We recommend you read the privacy and terms of use policies of each third party’s website that you access.

Your business dealings with advertisers, lenders, or lending platforms found through or on this Website, including payment and delivery of related goods or services, and any other terms, conditions, warranties or representations associated with such dealings, are solely between you and such advertiser, lender, or lending platform.We are not responsible for the activities or policies of those Web sites. We do not endorse or recommend the products of any particular advertiser, business partner, affiliate or other third party. We do not guarantee that the loan terms or rates offered by any particular advertiser, business partner, affiliate or other third party on theloansheet.com are the best terms or lowest rates available in the market.

You agree that we shall not be responsible or liable for any loss or damage of any sort incurred as the result of any such dealings or as the result of the presence of such advertiser, lender or lending platform on this Website.

5.  Privacy Policy

Please see our “Privacy Policy” at http://theloansheet.com/privacy-policy/for additional details with respect to how we maintain and respect the privacy of your personal information.  You agree to our collection, use and sharing of your information as set forth in our Privacy Policy.

6.  Content Submitted or Made Available for Inclusion at the Site

Any unsolicited communication or material that you transmit to ourWebsite by electronic mail or otherwise, including any data, questions, comments, suggestions, or the like is, and will be treated as, non-confidential and non-proprietary. Any unsolicited communication or material that you transmit or post may be used by The Loan Sheet or its affiliates for any purpose, including, but not limited to, reproduction, disclosure, transmission, publication, broadcasting, distribution or posting. Furthermore, The Loan Sheet will be free to use any ideas, concepts, know-how, or techniques contained in any unsolicited communication or material that you send to the Site for any purpose whatsoever including, but not limited to developing, manufacturing and marketing products using such information

7. Images of People or Places

Images of people or other content displayed on our Website are either our property or used with permission by the copyright owner. Any unauthorized use of the images may violate copyright laws, trademark laws, the laws of privacy and publicity, and communications regulations and statutes.

8. Trademark Information.

The trademarks, logos, and service marks (collectively the “Trademarks”) displayed on the Website, are registered and unregistered Trademarks of The Companyand others. Nothing contained on the Website should be construed as granting, by implication, estoppel, or otherwise, any license or right to use any Trademark displayed on the Website without our written permission or such third party that may own the Trademarks displayed on the Website. Your use of the Trademarks displayed on this Website, or any other content on this Website, except as provided in these Terms of Use, is strictly prohibited. You are also advised that we will aggressively enforce our intellectual property rights to the fullest extent of the law, including the seeking of criminal prosecution.

9.  No Warranty/Disclaimers

Your use of the Website is at your sole risk. The content and information posted on the Website is provided to you “as is” without warranties or representations of any kind.  We disclaim and exclude any express or implied warranties or representations, including any warranties as to merchantability or fitness for a particular purpose of the Website to the broadest extent permitted by law.  We make no warranties or representations, express or implied, as to the timeliness, accuracy, quality, completeness or existence of the content and information posted on the Website.  We make no warranties or representations, express or implied, for technical accessibility, fitness or flawlessness of the Website or that the Website will be uninterrupted or error-free.  We make no warranties or representations that your use of content and information posted on this Website will not infringe rights of third parties.  Except as otherwise permitted by us, You are not authorized to download any content from the Website. If you download any content from the Website, we will not be responsible in any way for any damage to your computer system or loss of data that results from the download of any such content.

10. Indemnity

You agree to defend, indemnify and hold us, our subsidiaries, and affiliates, and each of our respective officers, agents, suppliers, advertiser lenders, partners and employees, harmless from any loss, liability, claim, or demand, including reasonable attorneys’ fees, issued by any third party due to or arising out of your use of the Website in violation of these Terms of Use and/or arising from a breach of these Terms of Use (including, without limitation, any breach of Section 3 set forth herein).

11.  Limitation on Liability.

IN NO EVENT SHALL WE BE LIABLE TO YOU OR ANY THIRD PARTY FOR ANY INDIRECT, CONSEQUENTIAL, EXEMPLARY, INCIDENTAL, SPECIAL OR PUNITIVE DAMAGES, INCLUDING LOST PROFITS OR DAMAGES, WHETHER IN CONTRACT, WARRANTY, TORT (INCLUDING, BUT NOT LIMITED TO NEGLIGENCE) ARISING FROM YOUR USE OF THE WEBSITE, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. NOTWITHSTANDING ANYTHING TO THE CONTRARY CONTAINED HEREIN, OUR LIABILITY TO YOU FOR ANY CAUSE WHATSOEVER AND REGARDLESS OF THE FORM OF THE ACTION, WILL AT ALL TIMES BE LIMITED TO U.S. $25.00.

12.   U.S. Export Controls.

Software made available to you by the Website (the “Software“) is subject to United States export controls. No Software may be downloaded from this Website or otherwise exported or re-exported in violation of U.S. export laws. Downloading or using the Software is at your sole risk.

13. Notices.

The Company may give notice to its users by means of a general notice on this Website, electronic mail to a user’s e-mail address on its records, or by written communication sent by first class mail to a user’s address on its records.  You may give us notice by sending such notice to us at info@theloansheet.com

14. Miscellaneous

Our failure to exercise or enforce any right or provision of these Terms of Use shall not operate as a waiver of such right or provision. The paragraph titles in these Terms of Use are for convenience only and have no legal or contractual effect.  These Terms of Use and your account on the Website are personal to you and may not be transferred or assigned.  These Terms of Use are governed by U.S. federal law and the laws of the State of New Jersey, regardless of your location, and without regard to its conflicts of law provisions; and you hereby consent to the exclusive jurisdiction of and venue in the federal and state courts located in Union County, NJ.in all disputes arising out of or relating to the Website.  To the fullest extent permitted by applicable law, you agree that no legal actions under this Agreement shall be joined to an action involving any other current or former Website user, whether through class action proceedings or otherwise.  At our option, we have the right to demand that any dispute between us and you about or involving the Website must be settled exclusively by arbitration utilizing the dispute resolution procedures of the American Arbitration Association (AAA) in  Union County, New Jersey, USA.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. Use of the Website is unauthorized in any jurisdiction that does not give effect to all provisions of these terms and conditions, including without limitation this Paragraph 14. Our performance under these Terms of Use is subject to existing laws and legal process, and nothing contained in these Terms of Use is in derogation of our right to comply with governmental, court and law enforcement requests or requirements relating to your use of the Website or information provided to or gathered by us with respect to such use.  If any part of these Terms of Use 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 these Terms of Use shall continue in effect.  These Terms of Use, together withthe Privacy Policy and any additional terms and conditions or policies referred to and incorporated herein (including additional terms applicable to various parts of the Website), constitutes the entire understanding between you and us. A printed version of these Terms of Use and of any notice given in electronic form shall be admissible in judicial and administrative proceedings based upon or relating to these Terms of Use to the same extent and subject to the same conditions as other business documents and records originally generated and maintained in a printed form. All rights are hereby reserved.

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THESE TERMS PROVIDE THAT ALL DISPUTES BETWEEN YOU AND THE LOAN SHEET 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 theloansheet.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 The Loan Sheet, you agree that jurisdiction over and venue of any suit shall be exclusively in the state and federal courts sitting in Union County, New Jersey. 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.

Please contact us at with any questions regarding these Terms of Use.

We may give you notice of certain events from time to time and may be required by state or federal law to notify you of certain events. You hereby acknowledge and consent that such notices will be effective upon our posting them on the Website or (if we choose to do so in our sole discretion) delivering them to you through email if you have provided us with your accurate email address.

These Terms of Use are effective as of November 1st, 2011.