Last Updated: July 2019
This Site serves as an online marketplace intended as a point of contact between several companies that are in the business of loaning money and users who are looking to borrow money for any purpose.
The services we provide are not available to residents of states in which such services are not legal under state and local law. The list of states where payday loans are prohibited is not intended to be exhaustive and is subject to change. We encourage you to check your local laws before you use our Site.
SDL365 is not a broker, lender, or financial institution. The Company has no role in making credit decisions and lending. The Company does not lend money and is not involved in any direct financial transaction with you. Instead, the Company acts as a bridge that connects you with a network of independent third-party lenders (from now on, “Financial Service Providers”).
When you register with the Company, you are connected with a network of Financial Service Providers who offer short term loans ranging from $100 to $1,000 (depending on the regulations in your state) and online personal loans ranging from $100 to $3,000.
The applicant’s approval for credit and the amount of the loan will depend on the lending options offered by each Financial Service Provider, as will the amount of the loan.
The Company has no role in decisions made regarding the loan. Not all Financial Service Providers in our network may offer online short term loans up to $1,000 or personal loans up to $3,000 due to reduced financial capacity or other reasons over which the Company has no control.
The Company does not make any offers or promises about the decision making of the Financial Service Providers.
The Company derives its revenue from the advertising provided by the Financial Services Providers in our network. However, the Company does not make use of the services of any Financial Service Provider in our system. The loan conditions offered by the Financial Service Providers listed on this Site may not always meet your needs.
You are never under any obligation to sign and to accept any offer made to you. If you are not sure about any aspect of the loan given by the Financial Service Provider, you may consult a professional before making your loan decision.
The Company takes no responsibility regarding any loan offer made by the Financial Service Providers in our network and we play no role whatsoever in either loan offers or loan decisions. Furthermore, the Company has no visibility regarding how a Financial Service Provider may use the information provided by You.
Therefore, by continuing to use this Site, you acknowledge that the Company can not be held liable for any damages or costs, financial or otherwise, incurred by You due to Your transaction with any Financial Service Provider doing business with the Company.
To use the services offered by the Company, you must register on the Site and provide the personal, employment, and other details that Financial Service Providers may need to decide on your loan request.
When you register and provide your details, you explicitly agree that you are requesting to be matched with one or more of the Financial Service Providers in the Company’s network. Based on the information provided by you when you complete the online form on this Site, any Financial Service Provider in our network may reach out to you through email, postal mail, telephone or via any other media now or in future with the intention of assisting you with acquiring a loan or to provide you with additional financial help that is considered relevant regarding your present financial condition, based on your online registration form.
This same information (except for your Social Security or Tax Identification number and banking details) may also be provided to third-party marketing companies by the Financial Service Providers, who may offer You additional financial services or products You may need.
By providing your details such as Your Social Security number and date of birth, you authorize the Financial Service Providers to use this information to do credit checks or background checks, as required by the operations and policies of each Financial Service Provider.
The Company does not do these background or credit checks and is in no way responsible for the outcome of these checks. Mind that some credit checks may influence your credit score.
The Company does not guarantee the availability of any loan product or service of any Financial Service Provider. The Company runs the Site and is not responsible for the information advertised by any Financial Service Provider.
We make no implied or explicit guarantee that any product or service is ideal for you and that you will be approved for credit or get a loan offer of the amount that suits your request. The Company provides a connection with Financial Service Providers showing the information you submit in our online form without verifying the availability or details of any product or service offered by these Financial Service Providers.
If the loan offered by any Financial Service Provider matches your needs, then you have the option of entering into a formal agreement with that Financial Service Provider. You also have the option of not accepting any offer from any Financial Service Provider in our network.
The Financial Service Provider drafts the contract, so it is your responsibility to go through the details and understand it before signing the agreement. The Company has nothing whatsoever to do with the transaction or the terms of any particular credit offer.
If you have any questions or doubts regarding the agreement or any other aspect of the loan, you should contact the Financial Service Provider directly for answers to your questions. The Company has no information and cannot answer specific questions about any loan offer.
The ownership, content, logo, information, and any other intellectual property displayed on this Site belong to the Company and are governed by the Intellectual Property laws of the United States. Use this Site does not constitute an acquisition of ownership rights to anything present on the Site.
The reproduction, duplication, resale, copying, or other exploitation of the content, arrangement, organization, and design are strictly prohibited.
THE COMPANY IS NOT RESPONSIBLE FOR ANY DIRECT, INDIRECT, CONSEQUENTIAL, INCIDENTAL OR ANY OTHER FORM OF LOSS OR DAMAGE THAT IS INCURRED DUE TO THE USE OF THE SITE AND THE SERVICES PROVIDED BY THE THIRD-PARTY FINANCIAL SERVICE PROVIDERS WHO HAVE CHOSEN TO BE LISTED AS LOAN PROVIDERS ON THIS SITE. THE TOTAL LIABILITY OF THE COMPANY IN THE CASE OF ANY LOSS OR DAMAGE TO YOU IS LIMITED TO THE MONEY YOU HAVE PAID TO ACCESS OR USE THIS SITE.
SOME JURISDICTIONS DO NOT RECOGNIZE OR ALLOW THE EXCLUSION OF CERTAIN SPECIFIC WARRANTIES SUCH AS INCIDENTAL OR CONSEQUENTIAL DAMAGES. IN SUCH CASES, THE COMPANY WILL ADJUST OUR LIABILITY TO THE MAXIMUM EXTENT PERMITTED BY LAW.
When you submit your information on this Site, you are granting access to the Company, Financial Service Providers and other third-party partners to contact you through a range of media such as email, telephone or by mail address. If you do not wish to receive such information, then you have to remove Your details through the Company’s opt-out mechanism.
The Site may contain information about the services offered by third-party partners, including a possible link to their websites. Company does not guarantee the accuracy of the information on these websites and does not endorse them in any way. These are present only for Your information, and You access these websites at Your own risk.
The Company is not liable for any damages or losses. You may incur due to the access of these websites or the services of these third-party partners. Any communication that You may have with such third-party companies, including Financial Services Providers, are at Your own risk and the Company is not responsible in any way for such communication or the consequences thereof.
The Company, Financial Service Providers, and third-party companies associated with the Site may choose to use electronic media for communication. Such communication may include requests for additional materials, notices, or they may be used to provide information, marketing materials, pending state or federal laws or any other document or information pertinent to the services offered by these companies.
This communication can come from the Company, Financial Service Provider, or third-party partners of the Company.
By continuing to use this service, you agree to receive such current and future communications electronically. These electronic communications will be sent to the email address provided by you when you fill out your initial application. You agree that you can receive and save documents and correspondence electronically from the Company or the Financial Service Provider and third-party companies. You also have the right to receive all communication through non-electronic channels. To do so, withdraw Your consent to receive documents electronically by emailing to firstname.lastname@example.org.
Any dispute that may arise due to Your use of the Site or the Company’s services is subject to the provisions and laws of the state which licenses or authorizes the service upon which the complaint is made, regardless of any other choice of law or conflicts between local laws and provisions.
If you encounter any such dispute, you are requested to formally submit Your complaint or dispute for arbitration to the corresponding association or institution authorized to resolve such cases per state and federal rules and regulations that are valid at the time of submission.
ANY DISPUTE THAT ARISES BETWEEN YOU AND THE COMPANY WILL BE RESOLVED ONLY THROUGH ARBITRATION. BY AGREEING TO THIS TERM, YOU EXPLICITLY GIVE UP YOUR RIGHTS TO REPRESENT YOURSELF INDIVIDUALLY OR THROUGH LEGAL COUNSEL IN FRONT OF ANY JUDGE OR COURT. ALSO, YOU AGREE TO WAIVE YOUR RIGHT TO CLASS ACTION SUITS WHEN YOU CONTINUE TO USE THIS SITE.
The arbitrator appointed by the American Arbitration Council to oversee the dispute between You and the Company cannot award damages that exceed the maximum compensatory damages, and the arbitrator does not have the right to multiply any of the damages claimed by You. Moreover, the arbitrator does not have the right to award any punitive, incidental, and consequential damages arising out of Your dispute. By using this Site, You waive Your right to these damages as well.
The judgment provided by the arbitrator will be binding on You, though the Company may choose to file an action in any court within the jurisdiction of the corresponding location or place with the authorities to handle such cases in lieu with this alternate dispute method.
When you choose to reject, it becomes your responsibility to bring up a legal case in any court located within the jurisdiction of the corresponding location or place with the authorities to handle such cases within one (1) year of the occurrence of the damage. Otherwise, it will be deemed void.
The products or services offered on the Site cannot be exported or downloaded in the following countries or by the residents of these countries:
By using the services of the Company, You declare that You do not violate these export restrictions. By using the services of the Company, you warrant you don’t belong to any of the stated lists.
When you use the services of this Company, You agree to indemnify the Company, its parent company, subsidiaries, affiliates and each of its members, directors, employees, agents, bankers, co-partners as harmless and hence, are not subjected to any liability or claims that may be brought by You due to:
Each of the above-mentioned members will have the right to assert this provision in the event of a dispute, claim or proceeding brought by You.
The Site and related services are provided by sdl365.org. If you have a request, complaint, or inquiry regarding the services rendered by the Site, please, contact us via email@example.com. In case you consider your issue treated improperly, you can also contact the corresponding organizations in your state of residence authorized to review or resolve the claims of the kind.