Terms and Conditions

LAST REVISED: November 1, 2020

By accessing the ItsOnlyFinance.com (“Website”) and using the services provided thereon, you agree to be bound by the terms and conditions (“Terms”) set forth herein. Please read these Terms carefully. If you do not agree to these Terms, do not access or use this website. We reserve the right to change these Terms at any time in our sole discretion without further notice to you except posting on this page. Your continued use of our Website after we have posted changes on this page constitutes your agreement to any and all changes. All changes are in effect and enforceable from the date of posting forward. It is your responsibility and you are encouraged to thoroughly read and review these Terms each time you use the ItsOnlyFinance.com Website and participate in any of the services provided on our Website.

PLEASE READ CAREFULLY, THESE TERMS CONTAIN AN ARBITRATION PROVISION AND CLASS ACTION LIMITATIONS.

ACKNOWLEDGMENT

By using ItsOnlyFinance.com, you affirm that you are over the age of 18 and that you are able to form a binding, legal contract. ItsOnlyFinance.com is not intended for use by consumers under the age of 18. You represent and warrant that all information you provide through our Website is accurate and current. You agree not to use the Website for any purpose that is unlawful or prohibited by these Terms. Our Privacy Policy is incorporated into these Terms as thought fully set forth.

SERVICES

ItsOnlyFinance.com is a blog intended for informational purposes. If applicable, this website also provides an infomediary service in which we collect information you may affirmatively provide on our forms and then transfer that information to a participating or prospective service providers or providers of goods, with whom we have a contractual relationship (collectively “Participating Providers”).  Participating Providers will review your responses to determine if they have a service or product suited to your needs. To use the service, you must provide current and accurate information to the series of questions presented to you, including, but not limited to, your name, address, telephone number, email address, social security number, banking account information, and employment information. Our collection and use of this information is governed by our posted Privacy Policy.

By submitting your information and allowing us to share that information, you are expressly requesting that we and/or and each of our Participating Providers contact you by email, telephone, text and/or direct mail) so that they may assist you with your request for services or products or additional offers which you may be interested.

After transferring your information our services for you end. As a courtesy, we may follow up via text to assist you to the page where the Participating Providers have placed an application and other information for your signature. Please remember, we are not a financial service provider, lender, or broker of any lender. We do not recommend any particular service provider or their financial products. All interactions between you and a Participating Provider are at your own risk and at your own liability. We make no credit approval decisions. We do not make any representations or guarantees of acceptance of you into any specific goods or services appearing on our website.

If applicable, Participating Providers who receive the information you provide may use the information, depending on the specific request or the specific services requested, to verify your identity and/or perform a credit check which may or may not affect your credit score.  Credit checks through some credit reporting agencies or data aggregators (Microbilt, Teletrack, DP Bureau, or DataX) which track consumer transactions with lending institutions generally do not affect your credit record or score.  Credit checks through TransUnion, Equifax, or Experian may leave a record and affect your credit score.

THIRD PARTY CONTENT AND LINKS TO THIRD PARTY WEBSITES

OUR WEBSITE MAY, FROM TIME TO TIME, POST, (I) LINKS TO OTHER SITES THAT WE FEEL MAY BE USEFUL TO YOU, AND (II) CONTENT ON OUR WEBSITE THAT IS SUPPLIED BY THIRD PARTIES, INCLUDING INDEPENDENT THIRD-PARTY LENDERS (COLLECTIVELY “THIRD PARTY CONTENT”). THIRD PARTY CONTENT IS NOT UNDER THE CONTROL OF ItsOnlyFinance.com. ItsOnlyFinance.com MAKES NO CLAIM OR REPRESENTATION REGARDING, AND ACCEPTS NO RESPONSIBILITY FOR, THE QUALITY, CONTENT, NATURE OR RELIABILITY OF THIRD-PARTY CONTENT, ANY SERVICES ACCESSIBLE BY HYPERLINK OR REFERRED FROM OUR WEBSITE, LINKS CONTAINED IN ANY THIRD-PARTY CONTENT, OR ANY REVIEW, CHANGES, OR UPDATES TO A THIRD-PARTY WEBSITE OR FOR THIRD PARTY WEBSITES THAT LINK TO OUR WEBSITE. ANY OPINIONS, ADVICE, STATEMENTS, SERVICES, OFFERS, OR OTHER INFORMATION OR CONTENT EXPRESSED OR MADE AVAILABLE BY THIRD PARTIES IN THIRD PARTY CONTENT ARE THOSE OF THE RESPECTIVE AUTHORS OR DISTRIBUTORS AND NOT OF ItsOnlyFinance.com. THE EXISTENCE OF SUCH THIRD-PARTY LINKS SHOULD NOT BE CONSIDERED AN ENDORSEMENT OR RECOMMENDATION OF THOSE WEBSITES OR ANY PRODUCTS AND/OR SERVICES OFFERED ON THOSE WEBSITES. IT IS IMPORTANT TO NOTE THAT ONCE A YOU LEAVE OUR WEBSITE, THESE TERMS DO NOT GOVERN YOUR USE OF ANY THIRD-PARTY WEBSITE, AND CONSUMERS ARE ENCOURAGED TO REVIEW THE APPLICABLE TERMS OF USE AND PRIVACY POLICIES OF ANY THIRD-PARTY WEBSITES.

INTELLECTUAL PROPERTY

All information, materials, images, photographs, articles, functions, text, and other content provided by or on behalf of ItsOnlyFinance.com on this website (collectively, “website content”) are the sole property of ItsOnlyFinance.com. Our website and all of its content and the selection and arrangement thereof, are protected under the copyright laws and other intellectual property laws of the United States. ItsOnlyFinance.com reserves all rights, in and to our Website and its’ content. Unless otherwise noted, the ItsOnlyFinance.com name and all other trademarks, service marks, trade names, logos or other designations of source displayed on the website are the property of ItsOnlyFinance.com , its affiliates, or licensors. You may not distribute, display, or disseminate any such documents, pages, images, materials or content without the prior, express written consent of ItsOnlyFinance.com. Nothing contained on our Website shall be construed as conferring any right or license under any trademark, copyright, or other intellectual property right. Any unauthorized use of our Website or its’ content will terminate the permission or license granted herein and may constitute a violation of applicable copyright and intellectual property law. You agree that you will not alter, adapt, or otherwise modify any part of our Website or its’ content.

INDEMNITY

YOU AGREE TO INDEMNIFY, DEFEND, AND HOLD HARMLESS ItsOnlyFinance.com, ITS AFFILIATES, LICENSORS, AND AGENTS, INCLUDING WITHOUT LIMITATION, ItsOnlyFinance.com’s SERVICE PROVIDERS, NETWORK OF PARTICIPATING PROVIDERS, AND BANKS, AND THEIR RESPECTIVE OFFICERS, DIRECTORS, EMPLOYEES, AGENTS AND REPRESENTATIVES FROM AND AGAINST ALL LOSSES, EXPENSES, DAMAGES AND COSTS, INCLUDING REASONABLE ATTORNEYS’ FEES, FOR ANY CLAIMS, CAUSES OF ACTIONS, PROCEDURES OR ALLEGATIONS ARISING OUT OF OR RELATING TO ANY VIOLATION OF THESE TERMS, YOUR USE OF OUR WEBSITE, ITS’ CONTENT OR USER CONTENT (INCLUDING BUT NOT LIMITED TO INFRINGEMENT OF THIRD PARTIES’ WORLDWIDE INTELLECTUAL PROPERTY RIGHTS OR NEGLIGENT OR WRONGFUL CONDUCT) BY YOU OR ANY OTHER PERSON ACCESSING THE WEBSITE ON YOUR BEHALF. ItsOnlyFinance.com RESERVES THE RIGHT, AT ITS OWN EXPENSE, TO ASSUME THE EXCLUSIVE DEFENSE AND CONTROL OF ANY MATTER OTHERWISE SUBJECT TO DEFENSE BY YOU.

DISCLAIMER OF WARRANTIES

EXCEPT AS SET FORTH IN THIS AGREEMENT, ItsOnlyFinance.com MAKES NO WARRANTY WHATSOEVER AND EXPRESSLY DISCLAIMS ANY AND ALL WARRANTIES WHICH COULD BE IMPLIED IN CONTRACT, IN LAW OR IN EQUITY, INCLUDING, BUT NOT LIMITED TO ANY IMPLIED WARRANTY OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE, OR ANY DEALING OR COURSE OF PERFORMANCE, INCLUDING, WITHOUT LIMITATION, ANY WARRANTY REGARDING CORRECTNESS, QUALITY, ACCURACY, COMPLETENESS, RELIABILITY OR PERFORMANCE.  WE MAKE NO GUARANTEE THAT OUR CONTENT OR USER CONTENT ON THE WEBSITE IS UP-TO-DATE, ACCURATE, OR COMPLETE, AND YOU SHOULD NOT RELY ON THE WEBSITE FOR ANY DECISION OR TO TAKE ANY ACTION. WE HEREBY DISCLAIM ANY WARRANTY THAT OUR CONTENT OR USER CONTENT ON THE WEBSITE WILL BE FREE OF INTERRUPTION, FREE OF ERRORS, OR THAT THE WEBSITE IS FREE OF VIRUSES, WORMS, TROJAN HORSES, OR OTHER CODE THAT MANIFEST CONTAMINATING OR DESTRUCTIVE PROPERTIES.

LIMITATION OF LIABILITY

UNDER NO CIRCUMSTANCES SHALL ItsOnlyFinance.com, ITS AFFILIATES, AGENTS, PARTICIPATING PROVIDERS, AND/OR ANY OTHER PARTIES INVOLVED IN DEVELOPING, PRODUCING, OR DELIVERING THIS WEBSITE SHALL BE HELD LIABLE FOR ANY DIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL, INDIRECT, PUNITIVE DAMAGES, OR ATTORNEY’S FEES ARISING OUT OF A CONSUMER’S ACCESS TO, OR USE OF, THIS WEBSITE. YOUR SOLE AND EXCLUSIVE REMEDY AND ItsOnlyFinance.com’s SOLE AND EXCLUSIVE LIABILITY TO YOU FOR ANY REASON SHALL BE FOR YOU TO DISCONTINUE YOUR ACCESS TO OR USE OF THE WEBSITE. THE FOREGOING LIMITATION OF LIABILITY SHALL APPLY TO THE FULLEST EXTENT PERMITTED BY LAW IN THE APPLICABLE JURISDICTION.

COMPLIANCE WITH APPLICABLE LAWS

You agree to comply with all applicable federal, state, and local laws, regulations and rules that apply to your activities when using the website. ItsOnlyFinance.com reserves the right to terminate any account with respect to this website and to prevent your use of the website if such account is used to engage in illegal activity or to violate these Terms of Use. ItsOnlyFinance.com may, in its sole discretion, report actual or perceived violations of law to law enforcement or appropriate authorities.

PRIVACY PRACTICES

Our Privacy Policy is incorporated into, subject to and made part of these Terms. Please be sure to review our website’s Privacy Policy.

SEVERANCE

These Terms of Use operate to the fullest extent permissible by law. If any provision of these Terms is held unlawful, void, or unenforceable, that provision is deemed severable from these Terms and does not affect the validity and enforceability of any remaining provisions. The headings used in these Terms of Use are intended for convenience only, and shall not affect the drafting or interpretation hereof or thereof.

NO WAIVER OF TERMS

ItsOnlyFinance.com’s failure to enforce any provision of these Terms of Use shall not be construed as a waiver of such or any future provision.

LAW AND VENUE

These Terms of Use, and the interpretation, performance, and enforcement of your and ItsOnlyFinance.com’s rights and duties, shall be construed in accordance with the laws of the State of Delaware, except for any conflict or choice of law principle thereof that would lead to the application of another jurisdiction’s laws to the rights and duties of the parties. Any claim you may have against this site must be brought within one (1) year after the cause of action arises, or such claim or cause of action is barred. You agree to waive any right to a jury trial in connection with any action or litigation in any way arising out of or related to this Agreement and that each party has the right to seek attorneys’ fees in any proceeding.

CLASS ACTION WAIVER

To the extent allowed by law, you and WEBSITE each agree to waive any right to pursue disputes on a consolidated or class-wide basis; that is, to either join a claim with the claim of any other person or entity or assert a claim in a representative capacity on behalf of anyone else in any lawsuit, arbitration, or other proceeding. YOU HEREBY UNDERSTAND THAT BY AGREEING TO THIS CLASS ACTION WAIVER, YOU MAY ONLY BRING CLAIMS AGAINST THIS SITE IN AN INDIVIDUAL CAPACITY AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS ACTION OR REPRESENTATIVE PROCEEDING.

BINDING ARBITRATION

You and we (collectively the “Parties”) agree to submit any dispute arising out of or in any way relating to this Site to binding arbitration conducted by a single arbitrator under the Commercial Rules of the American Arbitration Association (“AAA”) in Kent County, Delaware, rather than a proceeding in a court of law. Any such arbitrator shall be knowledgeable in the subject area in which the dispute arises. All discovery shall be completed within sixty (60) days following the appointment of the arbitrator. Each party shall be entitled to representation by counsel, to appear and present written and oral evidence and argument and to cross-examine witnesses presented by the other party, provided that, where appropriate, the arbitrator may receive testimony via telephone, video or other electronic means of communication. The arbitration award shall be in writing and the arbitrator shall provide written reasons for the award. The award of the arbitrator shall be final and binding on the parties hereto and may be enforced in any court of competent jurisdiction. The prevailing party in any action or proceeding to enforce its rights hereunder shall be entitled to recover reasonable attorneys’ fees and other reasonable costs, including fees of the arbitrator and the AAA, incurred in the action or proceedings. In no event shall the arbiter award punitive or exemplary damages. The parties waive any right they may have to an appeal of the arbitrator’s decision and/or award. Each party retains the right to seek judicial assistance: (i) to compel arbitration, (ii) to obtain interim measures of protection prior to or pending arbitration, (iii) to seek injunctive relief in the courts of any jurisdiction as may be necessary and appropriate to protect the unauthorized disclosure of its proprietary or confidential information; (iv) for any claims of infringement or misappropriation of this Site’s copyright, trademark, or trade secrets; and (v) to enforce any decision of the arbitrator, including the final award. If any AAA rule conflicts with these Terms and Conditions, these Terms and Conditions shall control. BY AGREEING TO ARBITRATION, YOU AGREE THAT THE PARTIES ARE EACH WAIVING THE RIGHT TO FILE A LAWSUIT AND THE RIGHT TO A TRIAL BY JURY IN ANY ACTION IN ANY WAY ARISING OUT OF OR RELATED TO THIS AGREEMENT. Notwithstanding anything to the contrary, any party to the arbitration may at any time seek injunctions or other forms of equitable relief from any court of competent jurisdiction.

USE OF ITSONLYFINANCE.COM

ItsOnlyFinance.com reserves the right, in its sole discretion, to restrict, in whole or in part, your use of the website, any website content, and any third party’s user content at any time with or without notice for any or no reason.

MISCELLANEOUS

ItsOnlyFinance.com makes no representations that the website is appropriate or available for use in locations outside of the United States. By offering this website and its content, no distribution or solicitation is made by ItsOnlyFinance.com to any person to use the website or its content in any jurisdiction where the provision of this website is prohibited by law. You affirmatively agree to obey all federal, state, and local laws, regulations, and rules that apply to your activities when you use the website. All rights not expressly granted are reserved to ItsOnlyFinance.com.

CONTACT INFORMATION

If you have any questions regarding these Terms, you may contact us here.