PowerLend owns and operates this Website. PowerLend uses our Website to compile, sort and process loan applications on behalf of consumers who have shown an interest in applying for financial products or services offered by us (the “Service”). Our Service and Website is an invitation to send us a loan application, not an offer to make a loan. PowerLend uses third party vendors as well as affiliates to promote the Website to consumers interested in completing an online application at our Website. PowerLend also promotes our loans via e-mail and telephone to consumers who requested that they be contacted either through our online application opt-in process via our Website or through an opt-in process on one of our many vendor or affiliate sites.
Use of Information and Materials
The Website may contain links to other sites. We are not responsible for the privacy practices of such sites. We encourage our users to be aware when they leave our site and to read the privacy statements of each and every website that collects personally identifiable information.
We use a variety of security technologies and procedures to help protect your personal information from unauthorized access, use, or disclosure. For example, we store the personal information you provide on computer systems with limited access, which are located in controlled facilities. When we transmit highly confidential information (such as bank infomration) over the Internet, we protect it through the use of encryption, such as the Secure Socket Layer (SSL) protocol.
Fraud and Identity Theft
Attempting to obtain a credit transaction by providing false information, including but not limited to the use of false or altered documents and the use of another person’s identity other than your own, is fraudulent and, in some cases, punishable by law. We reserve the right to report any and all information obtained in connection with a verified fraud attempt to local, state, or federal authorities for possible investigation and prosecution.
Notice of Furnishing Negative Information
PowerLend will report information about your account to credit bureaus. Late payments, missed payments, or other defaults on your account will be reflected in your credit report.
As PowerLend grows, we may buy other businesses or their assets or sell our business assets. Customer information is generally one of the business assets involved in such transactions. Thus, in the event that PowerLend or our assets are acquired, customer information, including any visitor information collected through the Website, would be one of the transferred assets. We also reserve the right to disclose customer information in special cases when we have reason to believe that disclosing this information is necessary to identify, contact or bring legal action against someone who may be causing injury to or interference with (either intentionally or unintentionally) our rights or property, other visitors, members, or anyone else that could be harmed by such activities. Company also reserves the right to disclose visitor or member information when we believe in good faith that the law requires it.
This Website is not intended for distribution to, or use by, any person or entity in any jurisdiction or country where such distribution or use would be contrary to local law or regulation. By offering this site and information, or any products or services via this site, no distribution or solicitation is made by PowerLend to any person to use this site, or such information, products or services in jurisdictions where the provision of this site and such information, products and services is prohibited by law.
Website and Service Updates
We will send the user site and service announcement updates. Members are able to unsubscribe from service announcements, which contain information about the service. We also communicate with customers to provide requested services and in regard to issues relating to the account via e-mail or telephone when requested.
Notification of Changes
If at any point we decide to use personally identifiable information in a manner materially different from that stated at the time it was collected, we will prominently post a notice on the Website. We may also make a reasonable effort to notify users by way of an e-mail. Users have a choice as to whether or not we use their information in this materially different manner.
Limitations on our Liability
In no event will we be liable for any damages, including without limitation direct or indirect, special, incidental, or consequential damages, losses or expenses arising in connection with this site or the use or inability to use the site by any party.
This web site, and the information which it contains, is the property of PowerLend and our affiliates and licensors, and is protected from unauthorized copying and dissemination by applicable copyright law, trademark law, international conventions and other intellectual property laws.
Your usage of this site is governed by the laws of the State of California and any applicable Federal laws and regulations. If you provide information while using this Website, you will be deemed to have authorized the transfer of your information to PowerLend located in California.
You are prohibited from using this site or our services for money laundering or the funding of criminal or terrorist activities. You agree by using this site and our services to comply with all applicable laws, and regulations prohibiting money laundering activity and terrorist financing.
The Equal Credit Opportunity Act (ECOA), which is implemented by Regulation B, applies to all creditors. Regulation B prohibits the consideration of age, sex, race, ethnicity, gender, national origin, or handicap as a basis for making anyone a loan. (as in our cash advance program). We do not discriminate based on any of these factors. In addition, we will not enter into or maintain vendor/reciprocal information service type relationships with anyone who does not conform to these anti-discriminatory practices.
The Truth in Lending Act (TILA), implemented in Regulation Z, requires the full disclosure of all costs and terms associated with any credit purchase or transaction and further requires that the costs associated with the transaction be expressed as an annual percentage rate of interest or A.P.R. You will be provided with all such information prior to the making of any loan.
Contact Information and Information Verification
If you would like to verify any data that we have received from you, make any corrections or disable the use of your personal information, please contact us using the contact form on this website, by email at email@example.com, or by mail at:
10325 Jefferson Blvd.
Culver City, CA 90232