These Terms of Service (“Terms”, “Agreement”) govern your access to and use of the website certesfinancialpros.com (the “Website”, “we”, “us”, “our”) and all related services, including online tools, mobile applications, software, and communications through phone, email, text, or other means (collectively, the “Service”). By using or accessing the Service in any way, you confirm that you have read, understood, and agree to be legally bound by these Terms and by the collection and use of your information as described in our Privacy Policy.
If you do not agree with these Terms, you must not use the Website or Service.
1. Authorization to Share Information and Credit Inquiry
By submitting a loan request or any financial product inquiry through this Website, you expressly authorize us to share your personal information with our marketing partners and third-party lenders (“Service Providers”). Additionally, under the Fair Credit Reporting Act (FCRA), you authorize these Service Providers to obtain your credit report, credit score, and other related information from credit reporting agencies to verify your identity and provide prequalified offers.
2. Changes to Terms and Website
We reserve the right to modify, update, suspend, or discontinue any aspect of the Website or these Terms at any time without prior notice. Continued use of the Website after such changes constitutes your acceptance of the revised Terms. We shall not be liable for any loss or damages resulting from modifications, suspension, or discontinuation of the Website or its services.
3. Eligibility and Access
Use of the Website is limited to individuals residing in the United States who are at least 18 years old. We may, at our sole discretion, restrict or terminate your access without notice or liability for any reason, including violation of these Terms or inactivity. The Website is provided free of charge, and no fees are charged for using the Website or upon successful loan completion. Availability of the Website may be interrupted for maintenance or technical reasons.
4. Services Provided and Content Disclaimer
The Website offers access to financial products and services provided by third-party Service Providers. We act solely as a paid marketing lead generator and do not originate loans or make credit decisions. We are not an agent or representative of any Service Provider, nor do we endorse or guarantee any product or service offered.
4.1 Request Connection
You may submit a request (“Request”) to connect with Service Providers via the Website. We do not guarantee any approval, offer, or specific loan terms. Final loan approval and terms are determined solely by the Service Providers based on their criteria and your financial profile.
4.2 Information Sharing
By submitting a Request, you consent to share all information you provide—including sensitive data such as your Social Security number—with Service Providers, regardless of whether you select a particular provider. Service Providers may retain and share your information within their affiliates, loan servicers, marketing partners, and banking partners to facilitate credit evaluation.
Please contact the Service Providers directly to opt out of their communications.
4.3 No Endorsement
While we endeavor to partner with reputable companies, we do not endorse or recommend any Service Provider or their offerings. We disclaim any responsibility for the conduct, services, or products of third parties.
5. No Professional Advice
Content and services on the Website are for informational purposes only and do not constitute financial, legal, or professional advice. You should seek advice from qualified professionals before making any financial decisions. We do not guarantee the accuracy or completeness of Website content.
6. Disclaimer of Warranties
THE WEBSITE IS PROVIDED “AS IS” WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT. USE OF THE WEBSITE IS AT YOUR OWN RISK. WE DO NOT WARRANT THAT THE WEBSITE IS FREE FROM VIRUSES OR ERRORS.
7. Consent to Telemarketing and SMS
By using the Service, you consent to receive calls and text messages from us and our Service Providers, which may include auto-dialed or prerecorded communications. You may opt out but understand that opting out could limit offers and information available to you. Standard messaging and call rates may apply as per your mobile provider. Calls may be recorded for quality purposes.
8. Electronic Communications Consent (E-Consent)
You agree to receive communications electronically, including agreements, disclosures, and notices. Electronic records have the same legal effect as paper documents. Service Providers connected through this Website are similarly authorized to send you legally required communications electronically.
9. Indemnification
You agree to indemnify and hold harmless the Website, its affiliates, employees, and Service Providers from any claims or damages arising from your use of the Website or violation of these Terms, including infringement of intellectual property or violation of laws.
10. Limitation of Liability
TO THE FULLEST EXTENT PERMITTED BY LAW, THE WEBSITE IS NOT LIABLE FOR ANY DAMAGES ARISING FROM YOUR USE OF THE WEBSITE, INCLUDING INDIRECT, INCIDENTAL, PUNITIVE, OR CONSEQUENTIAL DAMAGES. SOME STATES DO NOT ALLOW SUCH LIMITATIONS; IN THAT CASE, SUCH LIMITATIONS MAY NOT APPLY TO YOU.
11. Third-Party Links
The Website may include links to third-party websites. We do not control or endorse these sites and are not responsible for their content or privacy practices. Your use of such third-party sites is at your own risk.
12. Dispute Resolution
All disputes arising from your use of the Website or these Terms shall be resolved through the following process:
- Informal Resolution: You must first contact us via support@certesfinancialpros.com to attempt to resolve disputes informally within 30 days.
- Small Claims Court: If unresolved, you may file a claim in Small Claims Court if eligible.
- Arbitration: Failing resolution or Small Claims action, disputes will be resolved by binding individual arbitration under the American Arbitration Association rules, waiving rights to court trial or class actions.
13. License to Use Website
We grant you a limited, non-exclusive, non-transferable license to access and use the Website for personal purposes only. Commercial use, copying, data mining, or unauthorized reproduction of Website content is prohibited. You may link to our homepage with prior written consent and subject to guidelines described herein.
14. Termination
We may terminate or suspend your access at any time without notice if you violate these Terms. Upon termination, you must cease all use and destroy any downloaded materials from the Website.
15. Survival
Sections on Disclaimers, Indemnity, Limitation of Liability, and Dispute Resolution survive any termination of this Agreement.