Welcome to drcredit.com ("Website"). Before you begin to use our Website, please review these Terms of Use (“Agreement”) which is a legal agreement. The Agreement describes the terms and conditions you must agree to before you enter or send any information over our website to access the services we are providing through or in connection with our Website (collectively, “Service”). These terms may be updated and changed by us from time to time by posting the same on our website without further notice to you. Continued use of our Services after posting the changes or modifications constitute an acceptance by you of the changes or modification. You must agree with all of the terms and conditions in this Agreement and the posted Privacy Policy (“Privacy Policy”), which is incorporated by reference, before you use the Service. If you do not agree to be bound by the terms and conditions set forth below, you may not use or access our website or the Service. In addition you must be 18 years of age, a United States Citizen and possess the legal authority to enter into an agreement to use our website.
1. MARKETING DISCLOSURE.
This website is a market place. The owner has a material financial connection to the provider of the goods and services referred to on the site. The owner receives payment for each qualified potential customer referral. All information regarding the products on this website was provided by one of our participating lenders or a provider of the lender. Upon completion of your registration, you will be redirected to another third party’s site or you will be contacted by the third party who is a participating lender. Be sure to review their terms and conditions and privacy policy as they are different from ours. We are not affiliate with any of the lenders or providers other than as stated above. We do not recommend or endorse any lender or their product.
2. SERVICES.
Loan Service Referrals. Our website is an online advertising marketplace. You agree that if you submit a request through our website, we will share your registration information (such as your full name, address, telephone number, banking information and other financial information) with participating lenders or providers of lenders in our network to locate a loan for you. You agree that we do not broker loans, make loans directly or undertake a credit analysis or make credit decisions in connection with any loan. We are not a party to any agreement that you may make with any lender to whom we refer you. The lender with whom you make a loan is solely responsible for its services to you. You also agree that we are not acting as your agent or broker and are not recommending any particular loan or lender to you. All revenue we receive is paid by the lender or provider of the lender for the referral of you to them. We do not charge you a fee to use our website. You understand that the requirements for a particular loan product are made by the lender and we do not endorse, warrant, or guarantee the service of any lender. Because we do not have anything to do with the loan, you agree that we shall not be liable for any loss or damage which arise out of or in connection with your use of any lender.
Please note that information we provide you may not be used as the sole basis for your loan decision, and may not meet your needs. Please talk with a professional regarding the loan information provided by the lender. You are under no obligation to complete any loan or other product offered.
3. YOUR AGREEMENT.
Agreement to Share Your Registration Information. You agree that once you have entering the registration information on our website, our technology will forward your information to a lenders or to a provider of lenders who may contact you to engage in a loan if you are accepted by them. This may be done automatically and a new window may appear or the lender may contact you directly by telephone, email or mail. You agree that we control only the home page, informational pages and intake forms on our website. After you have submitted the registration information, a lender will be contacting you directly to provide you with information regarding their loan. We are not responsible for any lender or provider of lenders’ contact with you or any loan agreement you enter into with the lender. Our Services are subject to all applicable federal, state and local laws and regulations. Our Services are void where prohibited.
AGAIN – WE ARE NOT RESPONSIBLE FOR ANY ACTIONS AFTER YOU HAVE LEFT THIS WEBSITE. UPON ENTRY INTO ANY WEBSITE LINKED THROUGH OUR WEBSITE, YOU SHOULD CAREFULLY REVIEW THE PRIVACY POLICY AND TERMS OF USE OF THAT WEBSITE BEFORE ENTERING ANY PERSONAL INFORMATION AS THOSE POLICES AND TERMS WILL DIFFER FROM THESE.
4. YOUR PERMISSION FOR CONTACT THROUGH TELEPHONE, EMAIL AND SMS.
In order to provide you with the services you have requested, you are expressly giving your permission to provide your registration information to lenders and providers of lenders. You are expressly giving your permission for these lenders or providers to contact you by mail, email, text messaging or telephone. By registering and using our Website, you agree that such act constitutes a purchase, an inquiry and/or an application for purposes of the Amended Telemarketing Sales Rule, 16 CFR §310 et seq. (the “ATSR”). Notwithstanding that your telephone number may be listed on the Federal Trade Commission’s Do-Not-Call List (or a state do-not-call) list you have authorized the lender or provider to contact you via telemarketing in accordance with the ATSR. If, at any time, you do not wish to be bound by these conditions or you are unsatisfied with our Service or Website, you agree that your sole and exclusive remedy is to discontinue using this Website.
5. YOUR REPRESENTATIONS AND WARRANTIES.
You represent and warrant that: (i) You are at least 18 years of age, a U.S. citizen and possess the legal authority to enter into an agreement; (ii) All registration information you provided to us true and accurate; (iii) You provided no information that was speculative, incorrect, misleading, false or fraudulent; (iv) You will not abuse our Website or attempt to disable our Website. If we believe such conduct has occurred we may deny you access to our Website in our sole discretion.
6. CHANGES TO TERMS OF USE AND POLICIES.
We reserve the right, in our sole discretion, to change, modify or otherwise alter this Agreement and the posted Privacy Policy, at any time for any reason. Any change, modification or alteration is effective upon posting without further notice to you. It is your responsibility to review this term of use and the posted Privacy Policy, for changes each time before you use our Service. Your continued use of our Service following the posting of changes and/or modifications will constitute your acceptance of the revisions and the reasonableness of the notice of changes.
7. REJECTION, TERMINATION AND CANCELLATION.
We or our participating lenders or providers may reject any registration or subsequent application from any person with or without cause at our sole discretion. Your status as a registered user creates only a customer relationship with us and does not create any other type of relationship. You may cancel your request at anytime by sending an e-mail to
8. YOU ARE PROHIBITED FROM THIS CONDUCT ON OR THROUGH OUR SITE.
You are prohibited from any conduct that, in our sole discretion, restricts or inhibits any other user from using or enjoying our Website or any linked website. You are prohibited from accessing or attempting to access private areas of the Website or any other user’s information. You are prohibited from impersonating any person or entity or otherwise falsely stating or misrepresenting your affiliation with a person or entity while using our Website or requesting services from our website.
You are prohibited from infringing or facilitate infringement on any copyright, patent, trademark, trade secret, or other proprietary, publicity, or privacy rights of any person or entity, including third-parties. You are prohibited from using any data, content or information which contains or promotes any viruses, Trojan horses, worms, time bombs or other computer programming or code that is designed or intended to damage, destroy, intercept, download, interfere, manipulate, or otherwise interrupt or expropriate the Website, data, personal information, software, equipment, servers or content or facilitate or promote hacking or similar conduct. You are prohibited from harvesting, sweeping, or use any other means, to collect information about users of the Website; Use automated means, including spiders, robots, bots, scripts, crawlers, or the like, in connection with any activity on the Website; Resell, assign, sublicense, otherwise transfer, or delegate your rights or obligations under these Terms of Use without our prior express written authorization; Modify, publish, transmit, transfer or sell, reproduce, create derivative works from, distribute, perform, link, display or in any way exploit any content on our website content; or except as otherwise expressly permitted on our website, use any information you may obtain from the Website (including without limitation, user information) to send any other person unsolicited messages, commercial or otherwise, by electronic, telephonic, postal or other means.
9. MARKETING MATERIALS. .
By registering and requesting services through our Website, you are giving your consent to receive marketing promotions from us, and third-party marketers or publishers. If you do not wish to receive these emails, you may request to be removed by using the opt-out mechanism listed in the email messages you receive or email us at
10. OUR RELATIONSHIP WITH LENDERS OR PROVIDERS.
This is an independent website and is not affiliated with any of lenders or providers to whom you are referred. All trademarks, service marks, logos, and/or domain names are the property of their respective owners, who have no association with or make any endorsement of the products or services provided by our Website. Furthermore, Lenders or providers are independent third parties to us and we are not acting as a principal, agent or broker with respect to any lenders, providers or advertisers.
11. LINKED WEBSITES.
You may be able to link to third parties’ Websites (“Linked Websites”) from our website. Linked Websites are not reviewed, controlled or examined by us and we are not responsible for the content, availability, advertising, products, services or other materials on any Linked Websites. The link from our Website does not imply our endorsement of or association with the Linked Websites. In no event shall we be liable, directly or indirectly, to anyone for any loss or damage arising from or occasioned by the creation or use of or your participation in activities on such Linked Websites, or the information, material, products or services accessed through these Linked Websites. You should direct any questions or concerns to the Linked Website’s owner. We reserves the exclusive right, at its sole discretion, to add, change, decline or remove, without notice, any feature or link to any of these websites.
12. INTELLECTUAL PROPERTY RIGHTS.
The content of this Website is owned by us and other parties. As between you and us, we are the sole owner of our Website and all materials on or available through our Website, including without limitation, all applicable U.S. and non-U.S. copyrights, patents, trademarks, and trade secrets, and other intellectual property rights thereto (collectively, the “Website Content”). Except as otherwise specifically provided in this Agreement, you may not download or save a copy of the Website Content or any portion thereof, for any purpose; however, you may print a copy of individual screens appearing as part of our Website Content solely for your personal, non-commercial use or records, provided that our trade marks, logos or other legends which appear on the copied screens remain on the printed material and are not removed from the printed or stored images of such screens.
Except as otherwise expressly permitted herein, you may not modify, copy, publish, display, transmit, adapt or in any way exploit any portion of the Website Content unless you first obtain prior written consent from us and all other entities with an interest in the relevant intellectual property. Any unauthorized attempt to modify any Website Content, to defeat or circumvent our security features, or to utilize our website for other than its intended purposes is strictly prohibited.
13. DISCLAIMER OF WARRANTIES.
Except as expressly set forth herein, we are not responsible for any incorrect or inaccurate information or entry of information, whether caused by users of our website or by any of the equipment or programming associated with or used in connection with our Website or the products or services provided on or through our Website, or by any technical or human error which may occur in the processing of information received by us. We assume no responsibility for any errors, omission, interruption, deletion, defect, delay in operation or transmission, communications line failure, theft or destruction or authorized access to, or alteration of, information received or submitted in connection with our Website. We are not responsible for any problems, errors or technical malfunction of any telephone network or lines, computer on-line systems, servers or providers, computer equipment, or software, or any failure of email on account of technical problems or traffic congestion on the Internet or at our website or combination thereof, including injury or damage to you or your computer.
OUR WEBSITE, INCLUDING THE WEBSITE CONTENT, IS PROVIDED “AS IS” AND “AS AVAILABLE,” WITHOUT WARRANTY OF ANY KIND, EITHER EXPRESS OR IMPLIED. WITHOUT LIMITATION OF THE FOREGOING, WE, AND OUR PARENT, SUBSIDIARIES, PARTNERS, AGENTS, AFFILIATES, LICENSORS, PARTICIPATING LENDERS OR PROVIDERS, ADVERTISORS, SUCCESSORS AND ASSIGNS SPECIFICALLY DISCLAIM ANY AND ALL WARRANTIES, INCLUDING, BUT NOT LIMITED TO: (i) ANY WARRANTIES CONCERNING THE AVAILABILITY, ACCURACY, APPROPRIATENESS, RELIABILITY, TIMELINESS, USEFULNESS, OR OTHERWISE OF OUR WEBSITE, AND OUR WEBSITE CONTENT; AND (ii) ANY WARRANTIES OF TITLE, WARRANTY OF NON-INFRINGEMENT, WARRANTIES OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE. WE DO NOT WARRANT OR GUARANTEE THAT ANY PORTION OF OUR WEBSITE INCLUDING THE CONTENT WILL BE FREE OF INFECTION BY VIRUSES, WORMS, TROJAN HORSES OR ANYTHING ELSE MANIFESTING CONTAMINATING OR DESTRUCTIVE PROPERTIES; OR THAT ACCESS TO OUR WEBSITE OR ITS CONTENT WILL BE UNINTERRUPTED OR ERROR-FREE.
14. LIMITATION OF LIABILITY.
IN NO EVENT WILL WE, OUR PARENT COMPANY, SUBSIDIARIES, PARTNERS, AGENTS, AFFILIATES, LICENSORS, ADVERTISERS, SUCCESSORS AND ASSIGNS AND THEIR RESPECTIVE OFFICERS, DIRECTORS, AND EMPLOYEES AND SHAREHOLDERS BE LIABLE TO ANY PARTY (i) FOR ANY INDIRECT, DIRECT, SPECIAL, PUNITIVE, INCIDENTAL OR CONSEQUENTIAL DAMAGES (INCLUDING, BUT NOT LIMITED TO, DAMAGES FOR LOSS OF BUSINESS PROFITS, BUSINESS INTERRUPTION, LOSS OF PROGRAMS OR INFORMATION, AND THE LIKE), OR ANY OTHER DAMAGES ARISING IN ANY WAY OUT OF THE AVAILABILITY, USE, RELIANCE ON, OR INABILITY TO USE OUR WEBSITE OR ITS CONTENT, OR ANY SERVICES OF THIRD PARTY LENDERS OR PROVIDERS EVEN IF ALL SUCH PARTIES SHALL HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES, AND REGARDLESS OF THE FORM OF ACTION, WHETHER IN CONTRACT, TORT, OR OTHERWISE; OR (ii) FOR ANY CLAIM ATTRIBUTABLE TO ERRORS, OMISSIONS, OR OTHER INACCURACIES IN, OR DESTRUCTIVE PROPERTIES OF OUR WEBSITE OR ITS CONTENT.
SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OF CERTAIN WARRANTIES OR THE LIMITATION OR EXCLUSION OF LIABILITY FOR INCIDENTAL OR CONSEQUENTIAL DAMAGES. ACCORDINGLY, OUR LIABILITY IN SUCH JURISDICTION SHALL BE LIMITED TO THE MAXIMUM EXTENT PERMITTED BY LAW.
15. MONITORING WEBSITE USAGE.
You agree that we may electronically monitor our website and disclose any content, records, or electronic communication of any kind (i) to satisfy any legal process or request; (ii) to operate our website; or (iii) to protect our rights or the rights of our users, vendors, sponsors, providers, and licensors.
16. DEALINGS WITH THIRD PARTIES.
Your correspondence or business dealings with any third parties as a result of your use of our website or Service, including, but not limited to, business dealings with lenders or providers, or any other terms, conditions, warranties, representations associated with such dealings, are solely between you and such third party. You agree that we shall not be responsible or liable for any loss or damage of any sort incurred as the result of any such dealings or as the result of the presence of such third party on or through our website.
17. DISPUTE RESOLUTION.
This Agreement will be interpreted in accordance with the laws of the State of Tennessee, without regard to the conflicts of laws principles thereof. You agree that any and all disputes, claims or controversies arising out of or relating to our Services and this Agreement, its interpretation, performance, or breach, shall be submitted to final and binding arbitration before a single arbitrator of the American Arbitration Association (“AAA”) in Denver, Colorado. The arbitration will be conducted in accordance with the provisions of the AAA’s Commercial Dispute Resolutions Procedures in effect at the time of submission of the demand for arbitration. The costs of arbitration plus reasonable attorneys’ fees (including fees for the value of services provided by in house counsel) shall be awarded to the prevailing party in such arbitration. Judgment on the award rendered by the arbitrator may be entered any court having jurisdiction. Any dispute, controversy, or claim relating to or contesting the validity of our intellectual property rights, including without limitation, trademarks, service marks, copyrights, or trade secrets; or an action by a party for temporary, preliminary, or permanent injunctive relief, whether prohibitive or mandatory, or other provisional relief shall be brought in the district court in Tennessee.
If you do not wish to be bound by this arbitration clause, you must notify us in writing within 60 days after signing this Agreement or your rejection of arbitration will not be effective. You must send your request to: <> Your request must include your telephone number(s) and a clear statement of your intent, such as “I reject the arbitration clause stated in your Terms of Use.”
18. GENERAL TERMS.
Our failure to exercise or enforce any right or provision of this Agreement shall not constitute a waiver of such right or provision. If any part of this Agreement is found by a court of competent jurisdiction to be invalid, the parties nevertheless agree that the court should endeavor to give effect to the parties’ intentions as reflected in the provision, and the other provisions of the Agreement remain in full force and effect. This Agreement constitutes the entire agreement between you and us and governs your use of our website and Service, superseding any prior agreements. YOU AGREE THAT REGARDLESS OF ANY STATUTE OR LAW TO THE CONTRARY, ANY CLAIM OR CAUSE OF ACTION ARISING OUT OF RELATED TO USE OF OUR SERVICE OR THIS AGREEMENT MUST BE FILED WITHIN ONE (1) YEAR AFTER SUCH CLAIM OR CAUSE OF ACTION AROSE OR BE FOREVER BARRED.
19. DrCredit Membership.
Becoming a member of the DrCredit financial network in no way guarantees approval for a loan. Membership is free. Free offers for membership are not required to become a member in the network.
You may use our services to apply online for a personal loan.
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