Terms and Conditions of Our Platform
Welcome to fundsjoy.com (also referred to as “we”, “us”, “our”, “Company”, “Website”). This page features the basis of an agreement between us as the Company and you, our user. We strongly recommend you read this section before you sign up as it explains our rules and conditions upon which you access our services. If you can’t agree with our Terms or don’t understand the provisions below, don’t start using fundsjoy.com.
Our services are not designed for residents of foreign states. To submit your request with our platform, you need to be a resident of the United States with a regular income.
Our website is also intended to be used only by people aged 18 or older.
2. Our services
fundsjoy.com renders connecting services. That means that we help you and a potential lender to find each other online. This is our scope of activity. We are not a lender ourselves, do not broker loans, approve requests or promote services of particular financial services providers. The decision of using our platform is only yours to take: we do not bind you over submitting your personal details through this website, making requests or e-signing loan agreements. We also place an emphasis on the fact that personal loans are intended to cover unexpected costs and cannot be used as a measure of relief of a major financial distress.
We aren’t engaged in your communications with your lender and hold no information about your loan offers and agreements. Therefore, we have no responsibility over the deals you have with your lender; over the way you communicate with each other; over any possible costs and damages that may occur as an outcome of your communication with a lender.
Warning: when you qualify for a loan, you should be aware of the fact that some lenders would like to check your eligibility by turning to credit reporting bureaus. Such a check may have an impact on your credit score.
Our website, its logo, trademark, software, content and other materials belong to our Company exclusively under the copyright laws of the US. Accessing our platform doesn’t give you intellectual property rights to our materials. Any reproduction, sale, copy or other misuse of fundsjoy.com without our written permission will be qualified as a violation of our rights. We will act in full compliance with the law while protecting our rights and taking appropriate measures.
5. Marketing practices
If you aren’t interested in receiving promotional materials from us, let us know about your wish to opt-out using our Unsubscribe page.
Please note, that we are not responsible for the content of materials sent to you by third parties. You will also have to address them directly if you’d like to opt-out from them.
6. External links
7. Dealings with third parties
You are under no obligation to take up any loan offers. All the dealings you have with any third parties are your liability, and we shall not be held accountable for them.
E-Consent is an electronic signature of yours. By clicking links like “Submit”, “I Agree”, “E-Sign”, “Consent”, etc. you give your electronic signature. You also consent that you are able to communicate with us and third parties electronically.
If some changes occur, we may notify you about them by sending a letter by email or posting an announcement on our website.
11. Disputes and class action waiver
ALL DISPUTES THAT MAY ARISE BETWEEN YOU AND fundsjoy.com SHALL BE RESOLVED THROUGH ARBITRATION ONLY. BY ACCESSING fundsjoy.com YOU ADMIT THAT YOU AGREE TO SOLVE ANY DISPUTE THROUGH ARBITRATION. YOU ALSO AGREE THAT TO WAIVE YOUR RIGHTS TO REPRESENT YOURSELF INDIVIDUALLY OR THROUGH LEGAL COUNSEL IN COURT.
By using fundsjoy.com, you consent to indemnify fundsjoy.com, its personnel, agents, bankers, parental company, subsidiaries and affiliates.