Terms and Conditions
Last Updated: March 2025
Please read these Terms and Conditions (“Terms”) carefully before using our website (“Service(s)”). The Terms govern Your use of the Service and can be printed in a form You can keep.
By visiting or using any LoanSpa website, portal or extranet, or service provided on any LoanSpa website, You agree to these Terms, including the:
If You disagree with any part of these Terms, then You may not access the Service. You represent that You are over the age of 18. Your access to and use of the Service is also conditioned on Your acceptance of and compliance with the Privacy Policy of the company. Our Privacy Policy describes Our policies and procedures on the collection, use, and disclosure of Your personal information when You use the application or the Service and tells You about Your privacy rights and how the law protects You. Please read Our Privacy Policy carefully before using Our Service.
If You are a LoanSpa customer, You are also bound to any other terms that apply to Your plan or service. If any provision of these Terms conflicts with any term in an agreement that You signed, the signed agreement supersedes these Terms. If You are a LoanSpa service provider, dealer, agency, contractor, or an employee of any of these entities, Your use of the Service may also be subject to Your binding agreement with LoanSpa, and if any provision of these Terms conflicts with any term in Your agreement with LoanSpa, the term of Your agreement with LoanSpa applies.
As the owner and operator of the Service, we reserve the right to change the Terms from time to time. As a user of the Service, it is Your responsibility to check the Terms for changes. Your continued use of the Service following our posting of changes means that You accept those changes. Provided You comply with the Terms, we grant You a personal, non-exclusive, non-transferable, limited license to use the Service and its features, including Your registration and use of an online account (“Account”). Subject to applicable law, we reserve the right to terminate this license if we reasonably believe You have violated the Terms.
The words of which the initial letter is capitalized have meanings defined under the Terms. The following definitions shall have the same meaning regardless of whether they appear in singular or plural.
Table of Contents
Definitions. For the purposes of these Terms:
Account means a unique account created for You to access our Service or parts of our Service.
Affiliate means an entity that controls, is controlled by, or is under common control with a party,
where “control” means ownership of 50% or more of the shares, equity interest, or other securities entitled to vote for election of directors or other managing authority.
Country refers to the United States of America.
Company (referred to as either “the Company,” “We,” “Us,” or “Our” in this Agreement) refers to LoanSpa, PO Box 50253, Henderson, NV 89016.
Device means any device that can access the Service such as a computer, a cellphone, or a digital tablet.
Feedback means feedback, innovations, or suggestions sent by You regarding the attributes, performance, or features of our Service.
Service refers to the Website.
Terms and Conditions (also referred to as “Terms”) mean these Terms and Conditions that form the entire agreement between You and the Company regarding the use of the Service.
Third-party Social Media Service means any services or content (including data, information, products, or services) provided by a third-party that may be displayed, included, or made available by the Service.
Website refers to LoanSpa, accessible from https://loanspa.com.
You means the individual accessing or using the Service, or the company, or other legal entity on behalf of which such individual is accessing or using the Service, as applicable.
Loan Products. From this Service, we make consumer loans ranging from $500 – $5,000 to eligible individuals, which may vary depending on your state of residence. LoanSpa is licensed in the state of Wisconsin, Missouri and Utah. If You elect to start a loan application, You will enter your address and state of residence. Based on that selection, You will be underwritten for the loan product available in Your state and will receive Disclosures appropriate for the loan for which You are applying. Loans are available only to consumers who are the age of majority and have a valid social security number (“SSN”). By using the Service, You represent and warrant that You are at least age 18 and have a valid SSN. The Service is not directed at children under the age of 13. We do not knowingly collect personal information from any child under the age of 13 on the Service.
Account Creation and Login. To create an Account, You will create a username and password. You are responsible for safeguarding these Credentials and Your Device so that others cannot conduct unauthorized activity on Your Account. You agree not to disclose Your Credentials to any third party. By using an Account, You represent and warrant that the email address You provided in Your loan application is used and accessible by only You.
User Accounts. If You create an Account with Us, You must provide Us information that is accurate, complete, and current at all times. Failure to do so constitutes a breach of the Terms, which may result in immediate termination of Your Account on Our Service. You must notify Us immediately upon becoming aware of any breach of security or unauthorized use of Your Account. We will not be liable for any loss that You may incur as a result of someone else using Your Credentials. You may not use as a username the name of another person or entity or that is not lawfully available for use, a name or trademark that is subject to any rights of another person or entity other than You without appropriate authorization, or a name that is otherwise offensive, vulgar, or obscene.
Use of Service. Your use of the Service is limited to non-commercial, personal use only. We may grant You temporary access to the Service and a limited, non-exclusive, revocable, and nontransferable license to access and use the information contained within the Service solely for Your internal personal use only. We may limit the number of times You can visit or log in to the Service within a certain period of time. We also reserve the right, in Our sole discretion, to terminate Your access to the Service, or any portion thereof, at any time, without notice.
Privacy Policy. For information about how we collect, use and share information related to Your use of the Service, please refer to our Privacy Policy.
Your Feedback to Us. You assign all rights, title, and interest in any Feedback You provide the Company. If for any reason such assignment is ineffective, You agree to grant the Company a non-exclusive, perpetual, irrevocable, royalty-free, worldwide right and license to use, reproduce, disclose, sub-license, distribute, modify, and exploit such Feedback without restriction.
Customer Identification Program. To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an Account. If You apply for a loan from Us then Our customer identification program requires Us to ask for Your name, address, social security number, date of birth, and other information that will allow Us to identify You.
Record Retention. We retain data, information, and records about You, including non-public information, for 7 years following the date of last activity on Your loan or for such longer or shorter period as may be required by applicable record retention laws.
Specific Disclosures. In addition to the Terms, our Services may require additional or different disclosures, agreements, or authorizations for specific jurisdictions (collectively “State Disclosures”). These State Disclosures may be provided to You at a different stage in the loan origination process. To the extent the State Disclosures conflict with the Terms, the State Disclosures will control. The State Disclosures listed below are disclosures applicable to loan applicants residing in specific states. Upon submitting a loan application, You may receive additional State Disclosures depending on the state and credit decision.
Utah Residents. As required by law, You are hereby notified that a negative credit report reflecting on Your credit record may be submitted to a credit reporting agency if You fail to fulfill the terms of Your credit obligations.
Married Wisconsin Residents. No provision of any marital property agreement, unilateral statement or court decree adversely affects Our rights, unless You give us a copy of such agreement, statement or court order before We grant You credit, or We have actual knowledge of the adverse obligation. All obligations on this Account will be incurred in the interest of Your marriage or family. You understand that We may be required to give notice of this Account to Your spouse. Married Wisconsin residents must furnish the name and address of their spouse to Us in the loan application.
Prohibited Uses. You agree not to:
Links to Other Websites. Our Service may contain links to third-party websites or services that are not owned or controlled by the Company. The Company has no control over and assumes no responsibility for the content, privacy policies, or practices of any third-party websites or services. You further acknowledge and agree that the Company shall not be responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with the use of or reliance on any such content, goods, or services available on or through any such websites or services. We strongly advise You to read the terms and conditions and privacy policies of any third-party websites or services that You visit.
User-Generated Content. By using the Service and submitting, uploading, or posting any comments, ideas, suggestions, information, files, images, or other materials to us or the Service, or by submitting any materials through third party services such as by tagging us on a social media site (collectively “User-Generated Content”), You represent and warrant that You own the User-Generated Content or possess the necessary rights and licenses to use the content. Additionally, You grant to us a royalty-free, irrevocable, unlimited, and fully transferable right and license to use the User-Generated Content – including Your name, persona, or likeness – without compensating You or incurring any other obligation to You. We take no responsibility and assume no liability for any User-Generated Content, including any loss or damage that may result from the content being transmitted to or made available on the Service.
By using the Service and submitting User-Generated Content, You agree not to post, upload, transmit, distribute, store, create, or publish content that includes:
Jury Trial Waiver and Arbitration Clause.
By submitting a loan application or otherwise using the Service, You and the Company agree to this Jury Trial Waiver and Arbitration Clause (the “Arbitration Agreement”). Note that if You sign a loan agreement, a separate and additional arbitration agreement will apply to your transaction with us. You and the Company intend for this Arbitration Agreement to satisfy the “writing” requirement of the Federal Arbitration Act, 9 U.S.C. §§ 1–16 (“FAA”), meaning that this Arbitration Agreement is a “written agreement to arbitrate” that can only be amended by the mutual agreement of You and the Company.
Opt-Out Procedure. If you do not agree to the terms of this Arbitration Agreement, then you have the right to opt-out of the Arbitration Agreement by delivering an email with your name and a message similar to “Arbitration Opt-Out” to compliance@loanspa.com within 30 days following your submission of a loan application.
You and the Company agree that either You or We may elect at any time to have any potential Claim(s) between us resolved by arbitration as provided below. The party electing arbitration agrees to notify the other party of its election pursuant to applicable rules of arbitration or as otherwise directed by law.
Definition of “Claim?” “Claims” means any and all claims, disputes or controversies that arise under common law, federal or state statute or regulation, or otherwise, and that We or our servicers or agents have against You or that You have against Us, our affiliates, servicers, agents, directors, attorneys, officers and employees. “Claims” also includes any and all claims that arise out of (i) the validity, scope and/or applicability of this Arbitration Agreement, (ii) your application for a loan, or (iii) your use of the Service. “Claims” also includes all claims asserted as a representative, private attorney general, member of a class or in any other representative capacity (collectively “Representative Claims”), and all counterclaims, cross-claims and third-party claims.
Waiver of Rights. Arbitration provides an alternative to court for resolving disputes. When you participate in arbitration, YOU FORFEIT YOUR RIGHT TO LITIGATE IN COURT. During an arbitration, a neutral, third-party arbitrator with specialized training conducts a hearing. The hearing is typically private and less formal than court. Arbiters may limit prehearing fact finding, called “discovery.” The decision is final. Courts rarely overturn Arbiters.
If either You or We elect to resolve one or more Claims by arbitration, such Claim(s) will be arbitrated only on an individual basis. There will be no right or authority for any Claims to be arbitrated on a class basis. The arbitrator will not conduct class arbitration and will not allow you to act as a representative, private attorney general, or in any other representative capacity.
The Federal Arbitration Act (“FAA”). Since this Arbitration Agreement is made pursuant to a transaction involving interstate commerce, it will be governed by the Federal Arbitration Act. If for any reason an arbitrator or a court of competent jurisdiction finds that the FAA does not apply or that any provision in this Arbitration Agreement is unenforceable, then this Arbitration Agreement will be governed by the arbitration laws of the state of Nevada.
Choosing an Arbiter. You may select the American Arbitration Association (“AAA”) (18007787879) http://www.adr.org or JAMS (18003525267) http://www.jamsadr.com. The parties may also agree in writing to select an arbiter from a list of Arbiters, a former retired judge, or attorney from the area. The Arbiter must arbitrate under AAA or JAMS consumer rules. The rules can be obtained from the applicable arbitration association. Any rules that conflict with any of our agreements with you do not apply. If the parties are unable to decide on an Arbiter, the arbitration association may choose the Arbiter.
The Arbiter will select the location of the hearing and will typically try to use a location within a reasonable proximity of your home or where the transaction occurred.
The Arbiter’s decision will be final. A party may appeal under the FAA. If the amount in controversy exceeds $10,000.00, a party may appeal the Arbiter’s finding. Such appeal will be to a three Arbiter panel from the same arbitration group. The appeal will be de novo and resolved by majority vote. The appealing party bears appeal costs, despite the outcome.
Arbitration Fees. We will pay our share of any arbitration fees. If you are unable to pay your share of the costs of arbitration, your arbitration fees may be waived by the arbitration service provider you have selected. If your properly submitted request to waive the arbitration fees is denied, or if the arbitration service you have selected does not have a waiver procedure, then we will, at your request, pay your share of the arbitration fees. You and We each agree to pay our own expenses for attorneys’ fees, experts, and witnesses, unless applicable law gives you or us the right to recover any of those expenses from the other.
Other Arbitration Terms. This Arbitration Agreement is an independent agreement and it will be binding upon us, our successors, and assigns, and upon you and your heirs and assigns. The validity, effect, and enforceability of the prohibition against class actions and class arbitration will be determined solely by a court of competent jurisdiction. All other matters will be decided by the arbitrator.
CLASS ACTION WAIVER
BY USING THE SERVICE AND/OR SUBMITTING A LOAN APPLICATION, YOU AGREE THAT YOU ARE WAIVING ANY RIGHT YOU MAY HAVE TO BRING, JOIN, OR PARTICIPATE IN ANY CLASS ACTION OR CLASS ARBITRATION PROCEEDING AGAINST US OR RELATED THIRD PARTIES.
Incomplete Loan Applications. If You begin a loan application and fail to complete it, then we will deny the application for incompleteness after 20 days of inactivity. In determining whether a loan application is complete, the term “inactivity” means that You fail to perform a required action, fail to provide required information or documents, and fail to otherwise communicate with us concerning Your incomplete application for a period of 20 days following the date You started the application.
Credit Inquiries. To submit a complete loan application, You authorize us – acting as the Lender – to obtain information about You from any credit reporting agency (“CRA”) and from any non-CRA person or company for the purpose of verifying Your identity, income, and ability to repay, verifying the information contained in Your loan application, or otherwise evaluating Your creditworthiness.
Your FCRA authorization extends to us and to our Affiliates, agents, and assigns. This authorization will remain in effect until You pay in full any loan that we make or arrange. Until You repay such loan, You authorize us to submit inquiries to CRAs not only for the purpose of underwriting Your loan but also for the purposes listed below.
To contact the specialty consumer reporting agencies used by us to make a dispute, use the following addresses:
To make a dispute directly to us please submit Your dispute in writing and include any relevant and sufficient supporting documentation to allow us to investigate Your dispute to the following:
Nothing in this section shall require us to extend credit to You. But if You do obtain a loan that we make, then You acknowledge and agree that we may report Your payment performance to one or more CRAs, on our own behalf, as Lender.
Notice of Credit Reporting. We may report Your loan payment performance to consumer reporting agencies, including Your failure to make scheduled or minimum payments on time. We may also respond to inquiries about our credit experiences with You as permitted by law.
Notice of Furnishing Negative Information. We may report information about Your Account to credit bureaus or credit reporting agencies. Late payments, missed payments, or other defaults on Your Account may be reflected in Your credit report.
Consent to Instant Bank Verification. When processing Your loan application or providing You Services, we may use Plaid Inc.® (“Plaid”) to review recent transaction data from Your bank Account (“instant bank verification” or “IBV”). The purpose of IBV is to verify Your ability to repay the loan that You applied for on the Service.
Plaid is a financial data aggregator that provides consumer-authorized financial data to us and other lenders and financial institutions. In this section, “Verification Service” refers to Plaid or any other vendor that provides us with consumer-authorized financial data. For more information on this industry, You may consult Your state consumer credit administrator or review the CFPB’s Consumer Protection Principles for Consumer-Authorized Financial Data Sharing and Aggregation.
When You apply for a loan with us, We may require You to perform IBV as a condition of completing Your loan application. Because IBV is a consumer-authorized action, You have no obligation to perform IBV if You decide You do not want to complete Your loan application. But if You do want to complete Your loan application by performing IBV, then the following procedures will apply.
To submit a complete loan application that requires IBV, You must check a box confirming that You have reviewed the IBV Consent document and then click the “Continue” or “Agree” button. By submitting a loan application, You authorize us to receive, review, and store recent transaction data from Your Repayment Account if You authorize a Verification Service to obtain such data and transmit it to us.
Subject to applicable laws and other limitations, we may use the transaction data from Your Repayment Account for purposes other than verifying Your ability to repay a loan. These other uses may include those listed below (collectively “Other Uses”).
By checking the box next to the IBV Consent document and then clicking the “Continue” or “Agree” button, You also authorize us to use Verification Service data not only for the purpose of verifying Your ability to repay a loan but also for Other Uses. You also acknowledge that the login Credentials to Your Repayment Account are used and stored by the Verification Service and not by us.
By utilizing the instant bank Verification Services provided by Plaid (“Plaid Services”), You acknowledge and agree that the terms of Plaid’s Privacy Policy (currently located at https://plaid.com/legal/#end-user-privacy-policy) will govern Plaid’s use of such information, and You expressly agree to the terms and conditions of Plaid’s Privacy Policy. Further, You expressly grant Plaid the right, power, and authority to access and transmit Your information as reasonably necessary for Plaid to provide the Plaid Services to You.
YOU PROVIDE LOG-IN CREDENTIALS (“CREDENTIALS”) TO YOUR ACCOUNTS AT YOUR OWN RISK.
BY USING OUR SERVICE, YOU AGREE THAT THE DATA SOURCES THAT MAINTAIN YOUR ACCOUNTS AND ANY THIRD PARTIES THAT INTERACT WITH YOUR CREDENTIALS OR ACCOUNT DATA IN CONNECTION WITH OUR SERVICE ARE NOT LIABLE FOR ANY LOSS, THEFT, COMPROMISE, OR MISUSE WHATSOEVER IN CONNECTION WITH OUR SERVICES (INCLUDING NEGLIGENCE), EXCEPT TO THE EXTENT SUCH LIABILITY CANNOT BE LIMITED UNDER APPLICABLE LAW. DATA SOURCES MAKE NO WARRANTIES OF ANY KIND RELATED TO THE DATA PROVIDED BY OUR SERVICES–WHETHER EXPRESS, IMPLIED, STATUTORY, OR OTHERWISE. EXCEPT FOR PDFS OF OFFICIAL ACCOUNT DOCUMENTS, WE RETRIEVE ON YOUR BEHALF AND PROVIDE TO YOU WITHOUT ALTERATION, NO DATA PROVIDED BY OUR SERVICES IS AN OFFICIAL RECORD OF ANY OF YOUR ACCOUNTS.
Consent Monitoring and Recording of Telephone Communications. When You use the Service and submit a loan application, You grant us and our Affiliates, agents, and assignees the right to monitor, record, or tape all telephone conversations with You, regardless of the initiation of the call.
Authorization for Telemarketing Text Messages. By using the Service and when You submit a loan application, You authorize the Company to send marketing text messages to the mobile number You have provided and that is listed on the loan agreement using an automatic telephone dialing system and that may include pre-recorded messages. You are not required to authorize marketing text messages to obtain credit or a loan from the Company. You understand that any messages we send You may be accessed by anyone with access to Your text messages or phone/Device. You also understand that Your mobile phone service provider may charge You fees for text messages that we send You. You agree that we shall have no liability for the cost of any such text messages. To withdraw this consent, You may call us or reply ‘STOP’ to any marketing text message.
Consent to Disclosure of Account and Device Information by Wireless Carrier. By using the Service, You authorize Your wireless carrier to use or disclose information about Your Account and Your wireless Device, if available, to LoanSpa or its service provider for the duration of Your business relationship, solely to help the carrier identify You or Your wireless Device and to prevent fraud.
Intellectual Property Rights. Submissions. The Site may allow users to submit content, including comments, reviews, ratings, and uploaded files (“Submissions”). By submitting content, you agree to:
Prohibited Submissions: You must not post content that:
Rights in Submissions. By submitting content, You grant LoanSpa a non-exclusive, royalty-free, perpetual, irrevocable, and sublicensable right to use, modify, publish, distribute, and display your Submission worldwide in any media. You waive all “moral rights” in your Submissions and acknowledge that LoanSpa assumes no responsibility for their storage or deletion. LoanSpa may also take action against parties who infringe upon its rights in Submissions. No compensation will be provided for the use of Your Submission. By providing an email with Your Submission, you consent to LoanSpa contacting you regarding your content.
Minors: If You are under 18 (or 21 in Puerto Rico), LoanSpa will honor Your request to remove any Submission. Contact compliance@loanspa.com for removal requests.
Third-Party Content & Links. LoanSpa is not responsible for third-party content, products, or services displayed on the Site. External websites linked through the Site are beyond LoanSpa’s control, and we are not liable for their content, privacy policies, or practices.
Intellectual Property & Ownership. Except for user Submissions, all content, software, and services on the Site (“Materials”) are the property of LoanSpa and its licensors, protected by copyright, trademark, and other intellectual property laws. LoanSpa reserves all rights. Any IP address, URL, or designation provided by LoanSpa remains its property and may be changed at any time.
For details on how we collect and use data, see our Privacy Policy.
Trademarks and Service Marks. Our trademarks, service marks, logos, designs, graphics, product and service names, company names, and other identifying elements displayed on our services are the property of LoanSpa, our suppliers, or other third parties, and are protected by law. You may not copy, imitate, or use them without our prior written permission or the permission of the respective owner.
Nothing on this site grants You any license or right to use these trademarks without our express written permission or the permission of the owner. Mentioning any products, services, or information on this site does not imply our endorsement, affiliation, sponsorship, approval, or recommendation.
Cookies. Within these Terms, ‘Cookie’ refers to small data files transferred from a website to your computer’s hard drive. Cookies are typically classified as either ‘session cookies,’ which are temporary and deleted upon browser closure, or ‘persistent cookies,’ which remain until manually deleted or upon expiration.
While web browsers generally accept cookies by default, users can modify browser preferences to control cookie acceptance. However, restricting cookies may impair certain site functionalities or display.
We and our service providers utilize cookies when you engage with our services or visit websites displaying our content or advertisements. These cookies may be used to personalize Your browsing experience or customize product offers during account registration, purchases, information requests, or site setting adjustments. Users can manage cookie acceptance through browser settings, which typically do not restrict site navigation.
Claims of Copyright Infringement/DMCA Notices. LoanSpa is committed to respecting intellectual property rights and complying with U.S. copyright laws. In accordance with the Digital Millennium Copyright Act (DMCA) of 1998, we respond to valid copyright infringement notices as outlined in the law. The DMCA provides a process for copyright owners who believe their protected material has been unlawfully used online.
If You believe that content available on our Service or network infringes upon a copyright owned by You or a third party you represent, please notify our Designated Agent following the procedures outlined in the DMCA and below. Upon receiving a valid notice, we may remove or disable access to the identified content as required under the DMCA.
You may submit a DMCA request to:
Phone: (888) 273-0204
Email: compliance@loanspa.com
Your DMCA notice must include the following information, as required under 17 U.S.C. § 512(c)(3):
If You believe content you uploaded was removed in error or due to a mistaken DMCA notice, You may submit a counter-notification to our Designated Agent with the following details, as required under 17 U.S.C. § 512(g)(3):
Knowingly submitting false DMCA notices or counter-notifications can result in legal penalties. LoanSpa reserves the right, at its sole discretion, to suspend or terminate the accounts of users or subscribers who repeatedly or blatantly infringe copyrights.
Information and Pricing. LoanSpa does not warrant that the content on the Service is accurate, complete, or current. Despite our efforts, items on the Service may be outdated and product and service descriptions may be inaccurate. LoanSpa reserves the right to correct any inaccuracies or omissions on the Service, to revoke any extension of credit, to cancel Your loan, and to take any other actions it deems reasonable or necessary to rectify the error, regardless of whether charges have been applied to Your Account or debit card.
Termination and Suspension. We may terminate or suspend Your Account immediately, without prior notice or liability, for any reason whatsoever, including without limitation if You breach these Terms and Conditions. Upon termination, Your right to use the Service will cease immediately. If You wish to terminate Your Account, You may simply discontinue using the Service.
WARRANTY DISCLAIMERS. THIS SERVICE, INCLUDING ALL CONTENT AND INFORMATION CONTAINED WITHIN IT, IS PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS WITH ALL FAULTS. LOANSPA MAKES NO REPRESENTATIONS, WARRANTIES, OR COVENANTS OF ANY KIND, WHETHER EXPRESS, IMPLIED, OR STATUTORY, INCLUDING, BUT NOT LIMITED TO, IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, QUALITY OF INFORMATION, QUIET ENJOYMENT, TITLE, ACCURACY, COMPLETENESS, RELIABILITY, AND NON-INFRINGEMENT. LOANSPA DOES NOT GUARANTEE THAT ACCESS TO THE SERVICE WILL BE UNINTERRUPTED, ERROR-FREE, OR FREE FROM UNAUTHORIZED ACCESS, INCLUDING THIRD-PARTY HACKERS OR DENIAL-OF-SERVICE ATTACKS. WE MAKE NO WARRANTIES THAT FILES AVAILABLE FOR DOWNLOAD WILL BE FREE OF VIRUSES, WORMS, TROJAN HORSES, OR OTHER HARMFUL CODE. YOU ARE SOLELY RESPONSIBLE FOR IMPLEMENTING SECURITY MEASURES TO PROTECT YOUR DATA AND SYSTEMS. LOANSPA DOES NOT AUTHORIZE ANYONE TO MAKE WARRANTIES ON ITS BEHALF, AND YOU MAY NOT RELY ON ANY SUCH STATEMENTS.
ADDITIONAL DISCLAIMERS. LOANSPA DOES NOT WARRANT THAT THE CONTENT, DOCUMENTS, OR FEATURES OF THE SERVICE WILL BE ERROR-FREE OR UNINTERRUPTED, THAT DEFECTS WILL BE CORRECTED, OR THAT YOUR USE OF THE SERVICE WILL YIELD SPECIFIC RESULTS.
CONTENT PROVIDED THROUGH THE SERVICE MAY CONTAIN TECHNICAL INACCURACIES OR TYPOGRAPHICAL ERRORS. THE SERVICE AND ALL CONTENT ARE PROVIDED ON AN “AS-IS” AND “AS-AVAILABLE” BASIS, AND ALL INFORMATION IS SUBJECT TO CHANGE WITHOUT NOTICE.
LOANSPA DOES NOT GUARANTEE THAT FILES, DOCUMENTS, OR DATA YOU DOWNLOAD FROM THE SERVICE WILL BE FREE OF VIRUSES, CONTAMINATION, OR OTHER DESTRUCTIVE ELEMENTS.
LOANSPA DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING ANY WARRANTIES OF ACCURACY, NON-INFRINGEMENT, MERCHANTABILITY, AND FITNESS FOR A PARTICULAR PURPOSE. LOANSPA DISCLAIMS ANY AND ALL LIABILITY FOR THE ACTS, OMISSIONS, AND CONDUCT OF ANY THIRD PARTIES IN CONNECTION WITH OR RELATED TO YOUR USE OF THE SERVICE. LOANSPA DOES NOT VERIFY THE ACCURACY OF ANY FINANCIAL INFORMATION PROVIDED TO IT BY THIRD PARTIES. YOU ASSUME TOTAL RESPONSIBILITY FOR YOUR USE OF THE SERVICE AND FOR ANY LINKED SITES. YOU WILL BE SOLELY RESPONSIBLE FOR ANY DAMAGE TO YOUR PROPERTY (INCLUDING YOUR COMPUTER SYSTEM USED IN CONNECTION WITH THE SERVICE) OR FOR ANY LOSS OF DATA THAT RESULTS FROM YOUR USE OF OUR SERVICE OR FROM YOUR DOWNLOAD OF MATERIALS OR CONTENT FROM THE SERVICE. IF A JURISDICTION PROHIBITS THE ENFORCEMENT OF ALL THE WARRANTY DISCLAIMERS CONTAINED IN THE TERMS, THEN THE REMAINING WARRANTY DISCLAIMERS SHALL BE FULLY ENFORCEABLE TO THE EXTENT PERMITTED BY APPLICABLE LAW.
LIMITATIONS OF LIABILITY. EXCEPT WHERE PROHIBITED BY LAW, LOANSPA SHALL NOT BE LIABLE FOR ANY DIRECT, SPECIAL, INDIRECT, CONSEQUENTIAL, EXEMPLARY, INCIDENTAL, PUNITIVE, OR ANY OTHER DAMAGES OF ANY KIND, REGARDLESS OF THE TYPE OF CLAIM OR LEGAL THEORY ASSERTED, ARISING FROM OR RELATING TO YOUR USE OF THE SERVICE OR YOUR INABILITY TO ACCESS THE SERVICE – EVEN IF LOANSPA OR OUR AUTHORIZED REPRESENTATIVES HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. UNLESS OTHERWISE EXPRESSLY SET FORTH IN A WRITTEN AGREEMENT, THE AGGREGATE LIABILITY OF LOANSPA (WHETHER IN CONTRACT, WARRANTY, TORT, STRICT LIABILITY, OR OTHER THEORY), ARISING OUT OF OR RELATING TO THE SERVICE OR ANY SERVICE-RELATED MATERIALS OR SERVICES, SHALL NOT EXCEED $100 OR THE AMOUNT YOU HAVE PAID US IN THE PAST 12 MONTHS WITH RESPECT TO THE INCIDENT GIVING RISE THE CAUSE OF ACTION.
State Law Variations. Certain state laws may not permit limitations on implied warranties or exclusions of certain damages. If these laws apply to You, some or all of the aforementioned disclaimers, exclusions, or limitations may not apply to You, and You may possess additional rights. In these states, LoanSpa’s liability is limited to the maximum extent allowed by law.
Indemnification. You agree to indemnify, defend, and hold harmless LoanSpa, and its officers, directors, employees, agents, attorneys, licensors and suppliers from and against any claims, causes of action, demands, losses, expenses, damages, penalties or other costs, including but not limited to reasonable attorneys’ fees, brought by third parties as a result of: (i) Your violation of these Terms; (ii) Your use of the Service; or (iii) Your violation of any law or the rights of a third party.
Governing Law. The laws of Nevada, excluding its conflicts of law rules, shall govern these Terms and Your use of the Service. Your use of the application may also be subject to other local, state, national, or international laws.
Waiver and Severability. If any provision of these Terms is held to be unenforceable or invalid, such provision will be changed and interpreted to accomplish the objectives of such provision to the greatest extent possible under applicable law, and the remaining provisions will continue in full force and effect. Except as provided herein, the failure to exercise a right or to require performance of an obligation under these Terms shall not affect a party’s ability to exercise such right or require such performance at any time thereafter, nor shall the waiver of a breach constitute a waiver of any subsequent breach.
Contact Us. If You have any questions about these Terms, You may contact us:
By email: compliance@loanspa.com
By visiting this page on our website: https://loanspa.com/contact
By mail: PO Box 50253, Henderson, NV 89016
Office: 2501 N Green Valley Parkway, Suite 111, Henderson, NV 89014
Miscellaneous. We may update these Terms from time to time without prior notice. Please check this page regularly for the latest version, which will govern Your use of our services. If any portion of these Terms is found to be invalid or unenforceable under applicable law, We will replace it with a valid provision that reflects the original intent as closely as possible, while the remaining Terms will continue to be effective. Our failure to enforce any part of these Terms does not mean We waive our right to do so in the future. We may transfer our rights and obligations under these Terms to another party at any time.
Licenses.
