Terms and Conditions and Terms of Use

Introduction

These Terms and Conditions are applicable to you when using Cash Panda Loans ® website (the “Website”).

You are visiting a website owned and operated by Sivetech limited (known as “the Company”) Your access and use of the Website is subject and conditioned upon your acceptance of all term, condition, policies and notices stated herein. These Terms and Conditions (the “Terms”) applies to Cashpandaloans.com and all other websites operated by the Company. This Agreement also applies to your use of services, goods or facilities offered through the Websites (the “Services”), irrespective to how they are accessed. By accessing, browsing, or using the Website, you acknowledge that you accept, agree, and understand to be bound by this Agreement, as well as with our Privacy Policy, merged into this Agreement by reference, You agree that, to the fullest extent required by the law of any state, that you have received, have been provided with and are agreeing to all consent and disclosure requirements. Some Services may include additional terms; by agreeing to proceed with any such Services, you accept that you have read, understand, and agree to be bound by any additional terms displayed or referenced that apply to that Service.

READ CARFULLY THIS AGGREMENT BEFORE YOU CONTUNUE ON THIS SITE. By accessing, using or browsing, this Website, you acknowledge that you understand, accept, and agree without limitations or qualification (a) to the fullest extent required by the law of any state, that you have been provided with, have received, and are agreeing to all disclosure and consent requirements; (b) to be bound by this Agreement, along with our Privacy Policy, which is merged into this Agreement by reference; and (c) that you are of legal age of 18 years old or above and not prohibited by law from accessing or using any of the goods and/or Services offered herein. Some Services may include additional terms; by agreeing to proceed with any such Services, you acknowledge that you have read, understand, and agree to be bound by any additional terms displayed or referenced that apply to that Service. If you do not agree to all these Terms, then you may not access this Website or use any of its Services.

Modification.

We reserve the right, in our sole discretion, from time to time to make any changes or additions to these terms of this agreement. Your continued use of this Website after we make such changes or additions will signify that you fully agree to such changes or additions. Therefore, you should visit this page periodically to review the then current. Your continued use of the Website after any changes or additions have been made constitutes acceptance of those changes.

Eligibility and Authorized uses.

The Services offered on this Website are only available to legal residents of the United States and persons over the age of 18 years old. By using this Website and or its Services you agree and warrant that you are a legal resident of the United States and are at least 18 years of age. Not all Services are available in all states of geographic areas.

Propriety Rights.

By using this website and its services you agree not to copy, duplicate, sell, re-sell or exploit for any commercial or non- commercial purposes, any part, or materials of this Website. Everything on the website is fully protected under the Copyright laws of the United States as well as other countries and not allowed be used without explicit written authorization of the Company.

Authorization to Get a Credit Score and/or Credit Report.

You understand and agree that by using this Website, and/or clicking on the Submit button on the form, you are giving a written instruction under the Fair Credit Reporting Act authorizing us and all of our third parties including lenders and service providers whom your request is shared to obtain your consumer credit score, credit report, and/or other information from any consumer reporting agency such as TransUnion, Experian and Equifax and others in order to provide you prequalification, other credit decisions and to verify your identity. These third parties including lenders may get hold of your credit report, credit score, and other information to make a final decision before extending any offer to you. Furthermore, you understand and agree that providers may use third party services to obtain information relating to you and to verify any information that you provide including, without limitation your social security number, address, phone number, bank account information and employment history.

Security.

While every effort is made by the company and the Website to safeguard and protect your personal information and security of the Website, we cannot guarantee that that such safeguards will successfully prevent unauthorised modifications, functionality, personal data interceptions or decryptions by others. We accept no responsibility, or liability for any such unauthorised alterations, interceptions, or decryptions of the Website.

Cookies.

This Website utilizes “cookies” as well as web server logs to collect information regarding the usage of this Website and its Service. This may include the pages viewed, time spent at our Service, the date and time of visits, and the website visited just prior and just following our website. None of this information is associated with you as an individual. “Cookies” can remember what information a user accesses on one web page to simplify subsequent interactions with that website by the same user or to use the information to streamline the user’s transactions on related web pages. “Cookies” are a feature of web browser software that allows web servers to recognize the computer used to access a website. “Cookies” are small pieces of data that are stored by a user’s web browser on the user’s hard drive. This makes it easier for a user to move from web page to web page and to complete commercial transactions over the Internet. Cookies should make your online experience easier and more personalized.

Service use.

This Website and the Service it provides is a free service to you. We may receive compensation from Suppliers for goods, facilities, and services that we may provide to them under separate contact. Such goods, facilities or services may or may not relate in any way to your use of our Service. Your use of this Website and its Services constitutes your agreement with this compensation arrangement. This Website does not endorse or recommend the services or products of any particular Network Partner. You should rely on your own judgment in deciding which available loan product, terms, lender and/or Network Partner most closely fits your financial situation and needs. We do not guarantee that the loan rates or terms offered and made available by any of the lenders are the best terms or lowest rates available in the market.

We, the Website and the products and services promoted are not a substitute for professional advice. We provide our Services solely for your convenience, and such Services: A. should not be construed as the provision of advice or recommendations; B. should not be relied upon as the basis for any financial decision or action; C. are not intended as a substitute for professional advice. We and the Website are not responsible for the accuracy or reliability of any Services. It is your responsibility to evaluate the accuracy, completeness or usefulness of any Services available through this Website. The relationship between you and us is not a professional or similar relationship. We always recommend you seek the advice of a qualified professional with respect to any questions you may have, and to never disregard professional advice or delay in seeking it because of something you have read on this Website.

The Website and Services Offered.

Online Introduction Service for Lenders and Other Providers. This Website functions as an online introduction service for you to find third party lenders and other providers that may be of interest to you. By using the Website and/or clicking “Submit” or any button indicating acceptance, you are confirming that all the information you have provided in the Website form is true, accurate, and complete. Lenders and non-lenders (hereafter “Network Partners”) that take part in our network may use filters, or specific criteria, to identity the users with whom they would like to connect with. The Network Partners also specify the prices they will pay us for the opportunity to present an offer to a consumer that meets the Network Partner’s criteria.

When you click on “submit” on the form, your loan request, the Website transmits the information you entered in the loan request form through our network in real time, presenting this information to our Network Partners electronically until one of the Network Partners, often the highest bidding, accepts your loan request. Then you will be re-directed to the website of that Network Partner where they may present you a loan offer or other products that may be of interest to you. If you are not accepted or approved for a loan by any of our Network Partners, we may present you with an offer to submit another loan request or an offer for a different product. We also may share your contact information with third-party marketers and service providers that may contact you by email or text message/SMS (please note data and messaging rates may apply) to offer you loans or other products that may be of interest to you.

WE ARE NOT A LENDER. 

This Website is not a lender, loan broker, financial institution, or an agent of a lender, loan broker or financial institution. This Website does not constitute an offer or solicitation to lend. This website collects personal information provided by you and uses that information to connect you to third party lenders and non-lenders in our network. Your information may be shared with other intermediary or non-lenders or other service providers, to help connect you with a lender. Supplying your information on this Website does not guarantee that you will be approved for a loan. Not all lenders can provide loans in the amounts advertised on the Websites. Lenders that participate in the services provided by this Website do not offer loans in every state. If you are from a state that the lenders do not service, you will not be connected to a lender. The amount of time to transfer funds may vary between lenders and as well as depend on your individual Bank or financial institution. For more details, any questions, or concerns regarding your loan, please contact your lender directly.

Data Sharing.

When you of your own will submit the your loan request form (the “Form”), you understand and agree that the information you filled in the Form will be shared with lenders, providers, non-lending financial institutions, and third parties (the “Network Partners”). Network Partners may keep the information provided in your Form, as well as other information provided to us or received by them in the processing of your Form, or other products or services that may be of interest to you. Network Partners may retain this information, whether you are approved by them, and whether you are approved for any of the services or goods offered. You agree to notify any particular Network Partner directly if you no longer want to receive communications from them. In addition, We and our Network Partners may share the information you provide to them with state licensing authorities and government regulators.

Pursuant to contractual relationships between Network Partners and the Company Any information from a Network Partner regarding the status of your loan request, but not limited to, the amount or disposition of your loan may be received by the Company. Any Information specific to the Network Partner you may be connected with can be found in the Privacy Policy of the specific Network Partner webpage. Note! You are providing your express written consent for the Company and the selected Network Partners to share this personally identifiable information for the following purposes: for marketing purposes, to provide the services and products that you seek, regulatory request(s), litigation, internal analytics, and/or law enforcement requests.

Copyright and Trademarks.

All content within this Website, including without limitation all software, design, graphics, logos, text, images, user interfaces, visual interfaces, products and service marks (collectively, “Content”) of this Website are owned, controlled, and licensed by the Company. and/or its licensors. The Content is protected by copyright, trademark, and patent laws. Except as expressly stated herein, no part of the Websites or Content may be copied, republished, reproduced, posted, publicly displayed, transmitted, or distributed in any way, without the written permission of the Company or such third party that may own the Trademarks.

Links.

We and the website have not reviewed any sites that may be linked to this website and we are not responsible for any of the content of any off-site pages (Pages on any site which is not our Website) or any other sites linked to this Website. Your linking to any other off-site pages or other sites is at your own risk.

Foreign Users.

We or the Website make no representation that materials in this Website are appropriate or available for use in other locations. If you access this Website from outside the United States, please understand that this Website may contain references and/or links to products and services that are not available or are prohibited in your country. Any user who is a resident of a overseas country agrees that (1) they have voluntary sought and established contact with us.; (2) they will not use, transmit, upload or disseminate any content, material, that would violate any applicable local, state or national laws or regulations of the foreign member’s country of resident; (3) under no circumstance shall the Company be deemed liable under any laws other than the United States; (4) his or her participation is governed by United States law and subject to the arbitration and venue provisions stated herein; and (5) consent to having their data processed in the United States.
You represent and warrant to the Company that you are over 18 years of age. You are authorized to enter into this agreement. Any data or information you provide to the website will not violate any law, regulation or infringe the rights of any third party. You will not use this Website or any of its contents for any purpose or any manner that violates any laws, regulation or that infringes the rights of us or any third party. All information that you provide to this website (e.g. name, e-mail, phone number and/or other information) is true, correct, and accurate. You are authorized and can fulfil and perform the obligations and meet the conditions of a user as specified herein.

Limitations of Liabilities, Warranties and Disclaimers. 

THE INFORMATION, SOFTWARE, AND THIS SERVICE, WEBSITE, PRODUCTS, AND SERVICES ASSOCIATED WITH IT ARE PROVIDED “AS IS”. THE COMPANY DISCLAIMS ANY WARRANTY, GUARENTEE, ANY REPRESENTATIONS OF ANY KIND, WHETHER EXPRESS OR IMPLIED, AS TO ANY MATTER WHATSOEVER RELATING TO THIS SERVICE AND ANY SOFTWARE, WEBSITE, INFORMATION, PRODUCTS OR SERVICES PROVIDED HEREIN, INCLUDING WITHOUT LIMITATION THE WARRANTIES OF TITLE, NON-INFRINGEMENT, MERCHANTABILITY, OR FITNESS FOR A PARTICULAR PURPOSE. THE COMPANY MAKES NO WARRANTY AS TO THE RESULTS THAT MAY BE ACHIEVED BY USING THIS WEBSITE, SOFTWARE, INFORMATION AND THE SERVICE, PRODUCTS AND SERVICES ASSOCIATED WITH IT.

NEITHER THE COMPANY NOR ANY OTHER PARTY INVOLVED IN CREATING, PRODUCING, OR DELIVERING THE WEBSITE ASSUMES ANY RESPONSIBILITY, AND SHALL NOT BE LIABLE FOR, ANY DAMAGES TO, OR VIRUSES THAT MAY INFECT, YOUR COMPUTER EQUIPMENT OR OTHER PROPERTY ON ACCOUNT OF YOUR ACCESS TO, USE OF, OR BROWSING IN THE SITE OR YOUR DOWNLOADING OF ANY MATERIALS, DATA, IMAGES, VIDEO, TEXT, OR AUDIO FROM THIS WEBSITE OR SERVICE. THE USE OF THIS WEBSITE, SERVICE AND/OR THE COMPANY SERVICES IS AT YOUR OWN RISK.

THE COMPANY AND/OR ITS PARTICIPATING LENDERS OR ADVERTISERS OR ANY OF THEIR OFFICERS, DIRECTORS, EMPLOYEES, SUCCESSORS, SUBSIDIARIES, AGENTS, AFFILIATES, CONTENT PROVIDERS, ASSIGNS, 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 WEBSITE, SERVICE AND/OR THE COMPANY SERVICES OR WITH THE DELAY OR INABILITY TO USE THIS SERVICE, OR FOR ANY SOFTWARE, WEBSITE, INFORMATION, SERVICES AND PRODUCTS OBTAINED THROUGH THIS WEBSITE OR SERVICE, OR OTHERWISE ARISING OUT OF THE USE OF THIS SERVICE, WHETHER RESULTING IN WHOLE OR IN PART, FROM BREACH OF CONTRACT, TORTIOUS BEHAVIOR, NEGLIGENCE, STRICT LIABILITY OR OTHERWISE, EVEN IF THE COMPANY 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 THE COMPANY, ITS PARTICIPATING LENDERS, DIRECTORS, AND THEIR OFFICERS, AFFILIATES, AGENTS, SUBSIDIARIES, EMPLOYEES, SUCCESSORS, ASSIGNS, CONTENT PROVIDERS AND SERVICE PROVIDERS IS LIMITED TO THE GREATEST EXTENT PERMITTED BY LAW.

NEITHER THE COMPANY NOR ANY OTHER PARTY INVOLVED IN CREATING, PRODUCING, OR DELIVERING THE WEBSITE MAKES ANY REPRESENTATIONS ABOUT THE SUITABILITY OF THE CONTENT OF THIS SITE FOR ANY PURPOSE, NOR THAT YOUR USE OF THE SITE WILL BE ERROR-FREE OR UNINTERRUPTED.

NO SUCH PARTY SHALL BE LIABLE FOR ANY INCIDENTAL, CONSEQUENTIAL, INDIRECT, SPECIAL, OR PUNITIVE DAMAGES RESULT FROM YOUR ACCESS TO, OR USE OF, THE WEBSITE OR SERVICES. IN NO EVENT SHALL THE COMPANY’S TOTAL LIABILITY TO YOU FOR ALL LOSSES, DAMAGES, AND CAUSES OF ACTION WHETHER IN CONTRACT, WARRANTY, TORT (INCLUDING, BUT NOT LIMITED TO, NEGLIGENCE), STRICT LIABILITY OR OTHERWISE, EXCEED THE AMOUNT PAID BY YOU, IF ANY, FOR ACCESSING THIS WEBSITE AND/OR SERVICES.

INDEMNITY.

AS A CONDITION OF YOUR USE OF THIS WEBSITE AND/OR THIS SERVICE YOU AGREE TO INDEMNIFY SIVETECH LIMITED (THE COMPANY), ITS MARKETING SERVICE PROVIDERS, NETWORK PARTNERS AND ANY OTHER COMPANY THAT PROVIDES SERVICES IN THE OPERATION OF THIS WEBSITE AND/OR SERVICE, FROM AND AGAINST ANY AND ALL DAMAGES, LOSSES, LIABILITIES, COSTS OR EXPENSES (INCLUDING ATTORNEYS’ FEES) ARISING OUT OF, RELATING TO OR RESULTING FROM YOUR USE OR ATTEMPTED USE OF THIS WEBSITE AND/OR THIS SERVICE.

DELAYS AND ERRORS.

YOU AGREE THAT THE COMPANY IS NOT RESPONSIBLE FOR ANY DELAYS OR ERRORS IN RESPONDING TO A REQUEST OR REFERRAL FORM CAUSED BY, INCLUDING BUT NOT LIMITED TO, AN INCORRECT EMAIL ADDRESS OR OTHER INFORMATION PROVIDED BY YOU OR OTHER TECHNICAL PROBLEMS BEYOND OUR REASONABLE CONTROL.

RELEASE AND DISCHARGE.

YOU HEREBY RELEASE, REMISE AND FOREVER DISCHARGE THE COMPANY, EACH OF THEIR RESPECTIVE AGENTS, OFFICERS, DIRECTORS, EMPLOYEES, SERVICE PROVIDERS, INFORMATION PROVIDERS, LICENSORS AND LICENSEES, SUPPLIERS, AND ALL OTHER RELATED, ASSOCIATED, OR CONNECTED PERSONS FROM ANY AND ALL MANNER OF RIGHTS, CLAIMS, DEMANDS, COMPLAINTS, PROCEEDINGS, OBLIGATIONS, CAUSES OF ACTION, LIABILITIES, LEGAL FEES, COSTS, AND DISBURSEMENT OF ANY NATURE AND KIND WHATSOEVER AND HOWSOEVER ARISING, WHETHER KNOWN OR UNKNKOWN, WHICH NOW OR HEREAFTER EXIST, WHICH ARISE FROM, CONNECTED WITH OR ARE RELATE TO, YOUR USE OF THIS WEBSITE AND/OR SERVICE.

DISPUTE RESOLUTION AND BINDING ARBITRATION.

YOU AGREE THAT ANY DISPUTE BETWEEN YOU AND THE COMAPNY, INCLUDING WITHOUT LIMITATION DISPUTES RELATING TO THIS WEBSITE, CONTENT OR SERVICE (“DISPUTE”), SHALL BE FINAL AND EXCLUSIVELY RESOLVED BY BINDING INDIVIDUAL ARBITRATION ADMINISTERED BY THE AMERICAN ARBITRATION ASSOCIATION (“AAA”) IN THE COUNTY WHERE YOU LIVE BY FILING A DEMAND FOR ARBITRATION. THE ARBITRATOR WILL HAVE EXCLUSIVE AUTHORITY TO RESOLVE ANY DISPUTE INCLUDING ANY CLAIM THAT ALL OR ANY PART OF THESE TERMS OF WEBSITE USE ARE UNENFORCEABLE.

If we have a dispute, we will submit our dispute for resolution by arbitration before the AAA in the state of Delaware. If either party files for arbitration, it will be conducted in accordance with the then current AAA Commercial Arbitration Rules. The arbitrator will have exclusive authority to resolve any dispute including any claim related to your use of the Website, or any of our services. If either party proceeds to arbitration, each party will pay its own AAA filing, administration and arbitrator fees unless the arbitrator determines that a party’s claim is frivolous or brought for an improper purpose (as measured by the standards set forth in Federal Rule of Civil Procedure 11(b)), in which case the party submitting such claim shall pay for all filing, administration and arbitrator fees. For claims brought by you of Ten Thousand Dollars ($10,000.00) or less, you can choose whether the arbitration proceeds in person, by telephone or based only on submissions. The arbitrator may award any form of individual or equitable relief, including injunctive relief. Any award will be final and conclusive to the parties and may be entered in any court of competent jurisdiction. Each party agrees that the arbitration proceedings and results of such proceedings shall be kept confidential. This provision shall not be construed to preclude any party from seeking injunctive relief in a court of competent jurisdiction to protect its rights pending an outcome in arbitration.

You agree to the entry of injunctive relief to stop such a lawsuit or to remove you as a participant in such a suit. The Terms of Website Use do not constitute a waiver of any of your rights and remedies to pursue a claim individually and not as a class action in binding arbitration as provided above. This provision preventing you from bringing, joining or participating in class action lawsuits is an independent agreement.

YOU ACKNOWLEDGE AND AGREE THAT, VIA YOUR ACCEPTANCE OF THESE DISPUTE RESOLUTION PROVISIONS, YOU WAIVE ANY RIGHT TO A JURY TRIAL, AS WELL AS YOUR RIGHT TO BRING, JOIN OR PARTICIPATE AS A PLAINTIFF OR A CLASS MEMBER IN A CLASS ACTION SUIT OR MULTI-PARTY ARBITRATION BROUGHT AGAINST US, ANY PERSON RELATED TO US OR A SERVICE PROVIDER USED BY US TO PROVIDE THE SERVICE.

REPRESENTATIVE EXAMPLES OF COSTS & APR

The following table represents sample rates, is for informational purposes only, and may not reflect the actual APRs offered by your lender and/or lending partner. Although some providers offer rates from 4.95% up to 35.99% APR rates are only available to certain customers.

Representative Examples For APR, Loan Costs & Fees

The repayment terms are for closed end loan products and is not reflective of all loan products offered in our Website, Service and/or network.

This Website only assists users in locating a lender. We are not a lender, or a broker of loans and we do not take or make any loan requests. Instead, we only take referral information and make referrals to lenders, networks of lenders or our Network Partners i.e. an online introduction service. Personal Loan amounts vary from $200 to $5,000. Not all lenders can provide up to $5,000 and not all user referrals are accepted. For those who do not qualify for a Personal Loan, the Website, Service will refer you to alternative sources, at no obligation to you to accept any offer from any lender or a Network Partner. We do not make loans of any type or credit decisions as well we do not act as an agent to any lender. We are not offering or soliciting you to participate in a loan. This site will refer you to sources including lenders, networks of lenders and Network Partners. Providing your information on this Website does not guarantee that you will be approved for a loan of any type. We are not an agent, representative or broker of any lender and do not endorse or charge you for any loan or related product. Our sources tell us that cash transfer times may vary and may depend on your individual financial institution or bank. In some circumstances faxing may be required. This service is not available in all states. Other than the introduction service, we are not involved in your loan request and loan process. For details, questions, or concerns regarding your request or loan, please contact your lender directly. Our online introduction service are for users who wish to have short term financing to solve immediate and/or emergency cash needs. Our introduction service should not be considered or used as a long-term solution. Lenders may or may not perform credit checks with the three credit reporting bureaus: TransUnion, Experian, or Equifax. Lenders may perform alternative credit checks or consumer reports through alternative providers. By submitting your request on this Website, you are authorizing our introduction service sources including lenders and Network Partners to independently verify the information you submitted and your credit worthiness.

This Website and Service does not constitute an offer or solicitation for loan products which are prohibited by any state law. This service and offer are void where prohibited.

You can contact us by email on support@cashpandaloans.com.