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8615 Freeport Parkway, Suite 250
Irving, Texas 75063
Online Terms of Service
Last Update: January, 2025
Terms Of Service
PLEASE READ THESE TERMS OF SERVICE CAREFULLY. BY REGISTERING FOR, ACCESSING, BROWSING OR OTHERWISE USING THE WEBSITES YOU ACKNOWLEDGE THAT YOU HAVE READ, UNDERSTOOD AND AGREE TO BE BOUND BY THESE TERMS OF SERVICE. IF AT ANY TIME YOU DISAGREE WITH ANY OF THESE TERMS AND CONDITIONS, YOU SHOULD IMMEDIATELY CEASE YOUR USE OF THE WEBSITES.
These Website Terms of Service (including any document incorporated by reference herein) for the Lift Lending LLC. (“LL”) websites, located at
liftlending.com
and such other websites as may be owned and/or controlled by LL (collectively the “websites”) that contain these Website Terms of Service (the “Terms of Service”), constitutes a legal contract between you and LL and covers all aspects of your use of the websites and, to the extent not superseded by the terms and conditions of any contract we may sign with you, of any product or service that we may supply to you.
1. Eligibility & Privacy
The products and services offered through the websites are not available to persons under the age of 18 or to persons who are not legal residents of the United States, by visa or otherwise. BY CLICKING ANY “SUBMIT” OR OTHER BUTTON OR BY ACCESSING, BROWSING OR OTHERWISE USING THE WEBSITES YOU REPRESENT AND WARRANT TO US THAT YOU ARE AT LEAST 18 YEARS OF AGE AND ARE A LEGAL RESIDENT OF THE UNITED STATES.
Some of the products and services offered through the websites may be subject to additional terms and conditions, including those products and services offered by or through third-party providers including but not limited to our Lending Marketplace terms discussed later on. To the extent not inconsistent with these Terms of Service, these additional terms and conditions are hereby incorporated herein by reference; however, in the case of any inconsistency between these Terms of Service and any other document that is incorporated by reference herein, these Terms of Service shall control.
LL has made a commitment to protecting the privacy of those who visit our websites and access the products and services available therein. LL’s Privacy Policy is hereby incorporated herein by reference.
2. Products and Services
Certain of the websites function as an online marketplace where visitors can research and submit requests for debt resolution services and research different types of home and consumer loans, as well as other products and services. You understand and agree that if you submit a request for a product or service or for further information relating to a product or service offered through any of the websites, LL will share such of your information as may be required in order to match you with selected providers of the products and/or services that you request.
By submitting your contact information to us, you are expressly consenting to be contacted by us or by one or more providers of products and services by telephone, email or postal mail even if you have opted into the national Do Not Call List administered by the Federal Trade Commission, any state equivalent Do Not Call List or the Do Not Call List of any specific institution.
3. Modification of These Terms of Service
LL reserves the right to change, modify, add or remove portions of these Terms of Service at any time by posting amended Terms of Service. Please check these Terms of Service periodically for changes. Your continued use of any of the websites after the posting of changes constitutes your binding acceptance of such changes. Except as stated elsewhere, such amended Terms of Service will be effective immediately and without further notice.
4. License Grants
Subject to your compliance with these Terms of Service, LL hereby grants you a personal, limited, non-exclusive, non-transferable revocable license to use the websites for purposes of accessing the information and contacting the providers of the products and services contained therein.
LL expressly reserves all rights not specifically granted herein, including but not limited to the right to exercise whatever lawful means it deems necessary or appropriate to prevent unauthorized use of the websites.
By using the websites, you hereby grant to LL a worldwide, non-exclusive, perpetual, irrevocable, transferable, sublicensable (through multiple tiers), assignable, royalty-free license to transfer, display, reproduce, distribute, modify and otherwise use your personal and other information, subject to the restrictions set forth herein (including LL’s Privacy Policy).
5. Prohibited Conduct
By using the websites, you agree not to:
Use the websites for any purpose other than to access the information and contact the providers of the products and services advertised therein; submit, transmit or facilitate the distribution of information or content that is illegal, harmful, abusive, racially or ethnically offensive, vulgar, sexually explicit, defamatory, infringing, invasive of personal privacy or publicity rights, or in a reasonable person’s view, objectionable; attempt to interfere with, compromise the system integrity or security or decipher any transmissions to or from the servers running the websites or bypass the measures we may use to prevent or restrict access to the websites; take any action that imposes, or may impose at our sole discretion an unreasonable or disproportionately large load on our infrastructure; use any robot, spider, scraper or other similar system to access the websites; impersonate another person or otherwise misrepresent your affiliation with a person or entity, conduct fraud, hide or attempt to hide your identity; or submit, upload, post, email, transmit or otherwise make available any information or content that you do not have a right to make available under any law or under contractual or fiduciary relationships.
6. Ownership & Proprietary Rights.
The websites are owned and operated by LL. All content displayed on the websites, as well as all visual interfaces, graphics, designs, information, computer code (including source code or object code), software and all other elements of the websites are protected by United States copyright, trade dress, patent and trade/service mark laws, international conventions, where applicable, and all other relevant intellectual property and proprietary rights and laws. Except as otherwise specified on the websites, all content contained on the websites Is the property of LL and/or Its third-party licensors. Except as expressly authorized by LL, you may not sell, license, distribute, copy, modify, publicly perform or display, transmit, publish, edit, adapt, create derivative works from or otherwise make any unauthorized use of such content.
7. Links to Third-Party Sites; Dealings with Third Parties
The websites may include links or references to other web sites owned or operated by third parties with which LL may have a relationship. LL has no control over such third-party web sites and, thus, is not responsible for their availability, content or advertising, or any products or services available from such third parties. Your correspondence or business dealings with such third parties are solely between you and such third party. Access and use of such web sites is solely at your own risk.
Your correspondence or business dealing with any third parties, including, but not limited to, business dealings with credit counseling services, debt settlement services, mortgage brokers or lenders, insurance agents or carriers or any other product or service provider are solely between you and such third party. LL is not responsible for any terms, conditions, warranties or representations associated with such dealings or liable for any loss or damage of any sort incurred as the result of such dealings.
By using the websites as directed, you are acknowledging that LL does not make credit decisions in connection with any product or service offered to you, does not recommend, endorse, warrant or guarantee the products or services of any third party and is not party to any discussions that you may have or agreement that you may make with any third party. LL does not charge anyone a fee to use the websites.
8. Termination; Exclusive Remedy
LL at any time, in its sole discretion, for any or no reason, and without penalty or liability, may terminate your use of the websites and terminate any session. LL may also in its sole discretion and at any time discontinue providing access to one or more websites. Any termination of access to the websites may be affected with or without prior notice, and LL will not be liable to you or to any third party for any such termination. Any suspected fraudulent, abusive or illegal activity may be referred to appropriate law enforcement authorities.
Your sole and exclusive remedy with respect to any dissatisfaction with (i) the websites, (Ii) any term or condition of these Terms of Service or (iii) any policy or practice of LL in operating any website is to terminate your access to and discontinuing use of the websites.
9. Indemnification
You agree to indemnify, save and hold LL and its contractors, employees, agents and its third party suppliers and business partners harmless from any claims, losses, damages and liabilities, including legal fees and expenses, arising out of your use or misuse of the websites, any violation by you of these Terms of Service or any breach of the representations, warranties and covenants made by you herein. LL reserves the right, at your expense, to assume the exclusive defense and control of any matter for which you are required to indemnify us and you agree to cooperate with LL’s defense of any such claims. LL will use reasonable efforts to notify you of any such claim, action or proceeding upon becoming aware of it.
10. No Warranty; Disclaimers
TO THE FULLEST EXTENT PERMISSIBLE PURSUANT TO APPLICABLE LAW, LL AND ITS THIRD PARTY SUPPLIERS AND BUSINESS PARTNERS DISCLAIM ALL WARRANTIES, STATUTORY, EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE AND NON-INFRINGEMENT OF PROPRIETARY RIGHTS. NO ADVICE OR INFORMATION, WHETHER ORAL OR WRITTEN, OBTAINED BY YOU FROM LL OR THROUGH THE WEBSITES WILL CREATE ANY WARRANTY NOT EXPRESSLY PROVIDED IN THESE TERMS OF SERVICE.
THE USE OF THE WEBSITES IS AT YOUR SOLE RISK. THE WEBSITES AND ANY DATA, INFORMATION, COMMERCIAL CONTENT, THIRD-PARTY WEB SITES, PRODUCTS OR SERVICES MADE AVAILABLE THROUGH THE WEBSITES ARE PROVIDED ON AN “AS IS” AND “AS AVAILABLE,” “WITH ALL FAULTS” BASIS AND WITHOUT WARRANTIES OR REPRESENTATIONS OF ANY KIND EITHER EXPRESS OR IMPLIED.
NONE OF LL OR ITS THIRD PARTY SUPPLIERS AND BUSINESS PARTNERS WARRANT THAT ANY DATA, INFORMATION, COMMERCIAL CONTENT, THIRD-PARTY WEB SITES, PRODUCTS OR SERVICES OFFERED ON OR THROUGH THE WEBSITES OR ANY THIRD PARTY WEB SITES WILL BE UNINTERRUPTED OR FREE OF ERRORS, VIRUSES OR OTHER HARMFUL COMPONENTS OR THAT ANY OF THE FOREGOING, IF PRESENT, WILL BE CURED OR STOPPED. YOUR USE OF THE WEBSITES OR ANY THIRD PARTY WEB SITES IS AT YOUR OWN RISK AND YOU WILL BE SOLELY RESPONSIBLE FOR ANY DAMAGE TO YOUR PROPERTY (INCLUDING YOUR COMPUTER SYSTEM) OR LOSS OF DATA THAT RESULTS FROM THE USE OF SUCH WEBSITES.
11. Limitation of Liability
UNDER NO CIRCUMSTANCES, INCLUDING, BUT NOT LIMITED TO, NEGLIGENCE, WILL LL OR ITS THIRD PARTY SUPPLIERS AND BUSINESS PARTNERS BE LIABLE FOR ANY SPECIAL, INDIRECT, INCIDENTAL, CONSEQUENTIAL, PUNITIVE, RELIANCE OR EXEMPLARY DAMAGES (INCLUDING WITHOUT LIMITATION DAMAGES ARISING FROM ANY UNSUCCESSFUL COURT ACTION OR LEGAL DISPUTE, LOST BUSINESS, LOST REVENUES OR LOSS OF ANTICIPATED PROFITS OR ANY OTHER PECUNIARY OR NON-PECUNIARY LOSS OR DAMAGE OF ANY NATURE WHATSOEVER) ARISING OUT OF OR RELATING TO THESE TERMS OF SERVICE OR THAT RESULT FROM YOUR USE OR YOUR INABILITY TO USE THE WEBSITES OR ANY THIRD-PARTY WEB SITE OR ANY OTHER INTERACTIONS WITH LL, EVEN IF LL HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. APPLICABLE LAW MAY NOT ALLOW THE LIMITATION OR EXCLUSION OF LIABILITY OR INCIDENTAL OR CONSEQUENTIAL DAMAGES, SO THE ABOVE LIMITATION OR EXCLUSION MAY NOT APPLY TO YOU. IN SUCH CASES, LL’S LIABILITY WILL BE LIMITED TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW.
12. Release
BY YOUR USE OF ANY LL WEBSITE, YOU ARE AGREEING TO RELEASE AND DISCHARGE LL AND ITS THIRD PARTY SUPPLIERS AND BUSINESS PARTNERS AND EACH OF THEIR RESPECTIVE AGENTS, DIRECTORS, OFFICERS, EMPLOYEES AND ALL OTHER RELATED PERSONS OR ENTITIES FROM ANY AND ALL CLAIMS, DEMANDS, CAUSES OF ACTION, PROCEEDINGS, LIABLITIES, OBLIGATIONS, LEGAL FEES, COSTS AND EXPENSES OF ANY KIND OR NATURE, WHETHER KNOWN OR UNKNOWN, ARISING OUT OF OR IN ANY WAY CONNECTED WITH YOUR USE OF THE WEBSITES. IF YOU ARE A CALIFORNIA RESIDENT, YOU WAIVE CALIFORNIA CIVIL CODE SECTION 1542, WHICH SAYS, “A GENERAL RELEASE DOES NOT EXTEND TO CLAIMS WHICH THE CREDITOR DOES NOT KNOW OR SUSPECT TO EXIST IN HIS FAVOR AT THE TIME OF EXECUTING THE RELEASE, WHICH IF KNOWN BY HIM MUST HAVE MATERIALLY AFFECTED HIS SETTLEMENT WITH THE DEBTOR.”
13. Governing Law / Jurisdiction
In the event of a dispute between you and LL that arises out of these Terms of Service or any product or service you obtain through the websites or companies to which LL may refer you (a “Claim”), you and LL agree to resolve that Claim in accordance with the procedures set forth below or as we may otherwise agree to in writing. Claims are subject to the laws of the state of Texas, United States of America, without regard to choice or conflicts of law principles.
Further, you and LL agree to the jurisdiction of Dallas County to resolve any dispute, claim, or controversy that relates to or arises in connection with the Claim (and any non-contractual disputes/claims relating to or arising in connection with them) and is not subject to mandatory arbitration.
14. Arbitration Agreement
This Arbitration Agreement applies only to consumers in the United States.
15. Dispute Resolution & Arbitration
You and LL agree that any dispute, claim, or controversy between you and LL arising in connection with or relating in any way to a Claim or to your relationship with LL (whether based in contract, tort, statute, fraud, misrepresentation, or any other legal theory, and whether the claims arise during or after any relationship you have with LL) will be determined by mandatory binding individual (not class) arbitration. You and LL further agree that the arbitrator shall have the exclusive power to rule on his or her own jurisdiction, including any objections with respect to the existence, scope or validity of the Arbitration Agreement or to the arbitrability of any claim or counterclaim. Arbitration is more informal than a lawsuit in court. THERE IS NO JUDGE OR JURY IN ARBITRATION, AND COURT REVIEW OF AN ARBITRATION AWARD IS LIMITED. There may be more limited discovery than in court. The arbitrator must follow this agreement and can award the same damages and relief as a court (including attorney fees), except that the arbitrator may not award any relief, including declaratory or injunctive relief, benefiting anyone but the parties to the arbitration. This arbitration provision will survive termination of the Service.
16. Exceptions
Notwithstanding the clause above, you and LL both agree that nothing in this Arbitration Agreement will be deemed to waive, preclude, or otherwise limit either of our rights, at any time, to bring an individual action seeking only temporary or preliminary individualized injunctive relief in a court of law, pending a final ruling from the arbitrator.
17. No Class Or Representative Proceedings: Class Action Waiver
YOU AND LL AGREE THAT EACH MAY BRING CLAIMS AGAINST THE OTHER ONLY IN YOUR OR ITS INDIVIDUAL CAPACITY AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS OR REPRESENTATIVE ACTION. Unless both you and LL agree, no arbitrator or judge may consolidate more than one person’s claims or otherwise preside over any form of a representative or class proceeding. The arbitrator may award injunctive relief only in favor of the individual party seeking relief and only to the extent necessary to provide relief warranted by that party’s individual claim. If a court decides that applicable law precludes enforcement of any of this paragraph’s limitations as to a particular claim for relief, then that claim (and only that claim) must be severed from the arbitration and may be brought in court.
18. Arbitration rules
Either you or we may start arbitration proceedings. Any arbitration between you and LL will take place under the Consumer Arbitration Rules of the American Arbitration Association (“AAA”) then in force (the “AAA Rules”), as modified by this Arbitration Agreement. You and LL agree that the Federal Arbitration Act applies and governs the interpretation and enforcement of this provision (despite the choice of law provision above). The AAA Rules, as well as instructions on how to file an arbitration proceeding with the AAA, appear at
adr.org
, or you may call the AAA at 1-800-778-7879. LL can also help put you in touch with the AAA.
19. Notice; Process
A party who intends to seek arbitration must first send a written notice of the dispute to the other, by electronic mail
to
. The Notice must (1) describe the nature and basis of the claim or dispute; and (2) set forth the specific relief sought ("Demand"). We agree to use good faith efforts to resolve the claim directly, but if we do not reach an agreement to do so within 30 days after the Notice is received, you or LL may commence an arbitration proceeding. All documents and information disclosed in the course of the arbitration shall be kept strictly confidential by the recipient and shall not be used by the recipient for any purpose other than for purposes of the arbitration or the enforcement of the arbitrator’s decision and award and shall not be disclosed except in confidence to persons who have a need to know for such purposes or as required by applicable law.
20. Enforceability
If this Arbitration Agreement is invalidated in whole or in part, the parties agree that the exclusive jurisdiction and venue described in Section 13 shall govern any claim in court arising out of or related to the Agreements.
21. Miscellaneous
22. Notice
LL may provide you with notices by e-mail, regular mail or postings on any website. Notice will be deemed given twenty-four hours after e-mail is sent, unless LL is notified that the e-mail address used is invalid. Alternatively, LL may give you legal notice by mail to a postal address, if provided by you through any website. In such case, notice will be deemed given three (3) calendar days after the date of mailing.
23. Waiver and Severability of Terms
The failure of LL to exercise or enforce any right or provision of these Terms of Service shall not constitute a waiver of such right or provision. Any waiver of any provision of these Terms of Service will be effective only if in writing and signed by LL. If any provision of these Terms of Service is found by a court of competent jurisdiction to be invalid, the other provisions of these Terms of Service shall remain in full force and effect and the parties agree that such court should endeavor to give effect to the parties’ intentions.
24. Choice of Law; Forum
These Terms of Service shall be governed in all respects by the laws of the State of Texas as they apply to agreements entered into and to be performed entirely within Texas between Texas residents, without regard to conflict of law provisions. If you reside in Idaho these Terms of Service shall be governed in all respects by the laws of the State of Idaho.
Any claim or dispute you may have against LL must be resolved by a court located in Dallas, Texas, except as otherwise agreed by the parties or as described prior. You agree to submit to the personal jurisdiction of the courts located within Dallas County, Texas for the purpose of litigating all such claims or disputes. If you are located in Idaho you are exempt from this rule as Idaho consumers are bound by the laws of the State of Idaho.
All claims filed or brought contrary to aforementioned Arbitrations agreements or Choice of Law shall be considered improperly filed. Should you file a claim improperly, LL may recover reasonable attorneys’ fees and costs, provided that LL has notified you in writing of the improperly filed claim and you have failed to withdraw the claim promptly. This is not applicable to Idaho consumers.
25. Assignment
You may not transfer or assign any of your rights and obligations under these Terms of Service without the express prior written consent of LL, give in its sole discretion. However, you acknowledge and agree that LL may freely and without restriction or limitation assign or transfer any of its rights and obligations under these Terms of Service.
26. Ownership of Information
If you send us any creative materials, such as comments, suggestions, ideas, concepts, drawings, pictures, or other materials (collectively, the “Submissions”), you agree that the Submissions shall be deemed, and shall remain, the property of Company. None of the Submissions shall be subject to any obligation of confidentiality on the part of Company, and Company shall not be liable for any use or disclosure of any of the Submissions. Without limitation of the foregoing, Company shall exclusively own all now known or hereafter existing rights to the Submissions of every kind and nature throughout the world and shall be entitled to unrestricted use of the Submissions for any purpose whatsoever, commercial or otherwise, without compensation to the provider of the Submissions
27. Entire Agreement
These Terms of Service and any document incorporated by reference herein constitute the entire agreement between you and LL and govern your use of the websites, superseding any prior agreements between you and LL. Notwithstanding the foregoing, you also may be subject to additional terms and conditions that may apply when you use or purchase certain products and/or services provided by LL or one of LL’s third party business partners.
28. Survival
The following paragraphs shall survive termination or your refusal to continue to use the Service: 4, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15, 16 and 17.
License Grants, Ownership & Proprietary Rights, Dealings with Third Parties, Terminations, Indemnification, No Warranty, Limitation of Liability, Release, Governing Law, Arbitration sections, Exceptions and Class Action Waiver.
ADDITIONAL TERMS OF SERVICE:
LENDING MARKETPLACE TERMS OF SERVICE
1. Introduction
By using this tool, you agree to the Engine by MoneyLion Terms of Service. You understand that all information provided is subject to the Engine by MoneyLion Privacy Policy.
ARBITRATION NOTICE: THESE TERMS OF SERVICE CONTAIN AN ARBITRATION CLAUSE. SEE DISPUTE RESOLUTION; GOVERNING LAW BELOW FOR DETAILS.
BY COMPLETING AND SUBMITTING A LOAN REQUEST TO BE CONNECTED WITH A LENDER AND/OR LENDING PARTNER THROUGH THE LIFTLENDING.COM WEBSITE (THE “SITE”), YOU AGREE TO THE TERMS AND CONDITIONS OF THIS AGREEMENT AS WELL AS THE PRIVACY POLICY POSTED TO THIS SITE, WHICH IS INCORPORATED INTO THIS AGREEMENT BY REFERENCE. AS SUCH, YOU MUST READ THIS AGREEMENT AND THE PRIVACY POLICY BEFORE COMPLETING AND SUBMITTING YOUR LOAN REQUEST. IF YOU DO NOT AGREE WITH THESE TERMS OF SERVICE AND THE PRIVACY POLICY, YOU ARE NOT GRANTED PERMISSION TO ACCESS OR OTHERWISE USE OUR LOAN CONNECTING SERVICE.
The terms and conditions stated in this Terms of Service Agreement (“Agreement”) govern your use of the LIFTLENDING.COM loan connecting service (“Service”), as made available through the Site. Before downloading, accessing, or using any part of the Service, you should carefully review the following Agreement. We provide the Service to you only on the condition that you accept and agree to all of the terms and conditions stated in this Agreement. This Agreement will take effect at the moment you submit your Loan Request Form (“Loan Request Form”, “Loan Request”, “Request Form”, or “Form”) to be connected with one or more lenders and/or lending partners participating in our marketplace (“Marketplace Participants”), and/or begin downloading, accessing, or using the Service, whichever is earliest.
All references herein to “we” mean Lift Lending LLC d/b/a LIFTLENDING.COM including its successors and assigns, which operates the Site and the Service. All references herein to “Individual” or “you” refer to any user of this Site and the Service.
LIFTLENDING.COM IS NOT A LENDER AND/OR LENDING PARTNER, DOES NOT BROKER LOANS, AND DOES NOT MAKE CASH ADVANCES OR CREDIT DECISIONS. THIS SITE DOES NOT CONSTITUTE AN OFFER OR SOLICITATION TO LEND. WE WILL SHARE YOUR LOAN REQUEST INFORMATION WITH ONE OR MORE MARKETPLACE PARTICIPANTS. WE DO NOT GUARANTEE THAT YOU WILL BE CONNECTED WITH A LENDER AND/OR LENDING PARTNER; ANY PARTICULAR LOAN PROGRAM; THAT YOU WILL RECEIVE A LOAN. WE DO NOT GUARANTEE THAT THE PRICE, PRODUCT, AVAILABILITY, RATES, FEES, OR ANY OTHER LOAN TERMS OFFERED AND MADE AVAILABLE BY MARKETPLACE PARTICIPANTS THROUGH THIS SERVICE ARE THE BEST TERMS AVAILABLE IN THE MARKET. NOT ALL MARKETPLACE PARTICIPANTS PARTICIPATING IN THIS SERVICE CAN PROVIDE YOUR REQUESTED LOAN AMOUNT OR THE MOST FAVORABLE REPAYMENT TERMS. YOU ARE PROVIDING EXPRESS WRITTEN CONSENT UNDER THE FAIR CREDIT REPORTING ACT FOR OUR LENDERS AND/OR LENDING PARTNERS WITH WHOM YOU ARE CONNECTED TO OBTAIN YOUR CONSUMER CREDIT REPORT FROM YOUR CREDIT PROFILE OR OTHER INFORMATION FROM CONTRACTED CREDIT BUREAU(S) ASSOCIATED WITH YOUR PRE-QUALIFICATION FOR CREDIT INQUIRY.
2. Eligibility Requirements
You must be at least 18 years of age (or the age of majority in your state of residence) to set up an Account. If you provide any false, inaccurate, untrue, or incomplete information in your Loan Request Form, we may immediately terminate your access to and use of the Service. It is your responsibility to keep the confidentiality of any username(s) and password(s) associated with your Loan Request Form. THE SERVICE IS NOT AVAILABLE TO RESIDENTS OF CONNECTICUT, NEW HAMPSHIRE, WASHINGTON & VERMONT OR TO ACTIVE MEMBERS OF THE MILITARY.
3. Loan Request Process
The Service attempts to connect Individuals who complete and submit a Loan Request with one or more Marketplace Participants. To use the Service, you must complete and submit the information requested in the Loan Request Form, which information may include (by way of example and not limitation) your name, street address, telephone number, date of birth, banking account information, desired loan amount, social security number, employment information, and any other information requested at the time of collection. Alimony, child support, or separate maintenance income need not be disclosed unless relied upon for credit. You represent and warrant that the information you provide to us through your Loan Request Form is accurate and truthful. If you do not provide such information in such manner, we reserve the right to deny, suspend, or terminate Service. We reserve the right to refuse to provide the Service to you, in our sole discretion, with or without cause.
By submitting your loan request you are providing written consent under the Fair Credit Reporting Act to Lift Lending LLC and its Marketplace participants and agree that (a) you are submitting an inquiry to us about loan products offered by Marketplace Participants, (b) we will share some or all of your loan request information with Marketplace Participants, consistent with the terms of our Privacy Policy, and (c) your consent allows Marketplace Participants to review, verify, and research your information in real-time or otherwise for pre-qualification purposes and to determine whether you may qualify to receive a loan from them, including by verifying your social security number, reviewing your information against nation databases of consumer financial transaction information, performing a credit check with TransUnion, Experian, and Equifax, and/or taking any other steps necessary to make a decision on whether to extend credit or advance cash. List of Marketplace Participants – Lift Lending LLC CONSENT FOR ELECTRONIC SIGNATURES, RECORDS, AND DISCLOSURES (“E-Consent”) Please read this information carefully and print a copy and/or retain this information for future reference.
4. Overview
You are submitting a request to be connected with one of our Marketplace Participants. In order to offer you a loan, the Marketplace Participants need your consent to use and accept electronic signatures, records, and disclosures (“E-Consent”). This form notifies you of your rights when receiving electronic disclosures, notices, and information. By clicking on the link assenting to our terms, you acknowledge that you received this E-Consent and that you consent to conduct transactions using electronic signatures, electronic disclosures, electronic records, and electronic contract documents (“Disclosures”).
5. Option for Paper or Non-Electronic Records
You may request any Disclosures in paper copy by contacting the Marketplace Participants directly. The lenders and/or lending partners will retain all Disclosures as applicable law requires.
6. Scope of Consent
This E-Consent applies to all interactions online concerning you and the Marketplace Participants and includes those interactions engaged in on any mobile device, including phones, smart-phones, and tablets. By exercising this E-Consent, the Marketplace Participants may process your information and interact during all online interactions with you electronically. The Marketplace Participants may also send you notices electronically related to its interactions and transactions. Disclosures may be provided online at our or Marketplace Participants’ websites, and may be provided by e-mail.
7. Consenting to Do Business Electronically
Before you decide to do business electronically with the Marketplace Participants, you should consider whether you have the required hardware and software capabilities described below.
Hardware and Software Requirements. To access and retain the Disclosures electronically, you will need to use the following computer software and hardware: A PC or MAC compatible computer or other device capable of accessing the Internet, access to an e-mail account, and an Internet Browser software program that supports at least 128 bit encryption, such as Microsoft® Internet Explorer, Netscape® or Mozilla Firefox®. To read some documents, you may need a PDF file reader like Adobe® Acrobat Reader X ® or Foxit®. You will need a printer or a long-term storage device, such as your computer’s disk drive, to retain a copy of the Disclosures for future reference. You may send any questions regarding the hardware and software requirements directly to the Marketplace Participants.
8. Withdrawing Consent
Your E-Consent for our connecting service and for our Marketplace Participants’ consideration of your connecting request cannot be withdrawn because it is a one-time transaction. If you are connected with one or more Marketplace Participants, you are free to withdraw your E-Consent with them at any time and at no charge. However, if you withdraw this E-Consent before receiving credit, you may be prevented from obtaining credit from the Marketplace Participant. Contact the Marketplace Participant directly if you wish to withdraw this E-Consent. If you decide to withdraw this E-Consent, the legal effectiveness, validity, and enforceability of prior electronic Disclosures will not be affected.
9. Change to Your Contact Information
You should keep Marketplace Participants informed of any change in your electronic address or mailing address. You may update such information by logging into the Marketplace Participants’ website or by sending the Marketplace Participants a written update by mail.
YOUR ABILITY TO ACCESS DISCLOSURES. BY CLICKING THE LINK, YOU ASSENT TO OUR TERMS. YOU ACKNOWLEDGE THAT YOU CAN ACCESS THE DISCLOSURES IN THE DESIGNATED FORMATS DESCRIBED ABOVE.
10. CONSENT
BY CLICKING THE LINK, YOU ASSENT TO THE TERMS. YOU ACKNOWLEDGE YOU HAVE READ THIS INFORMATION ABOUT ELECTRONIC SIGNATURES, RECORDS, DISCLOSURES, AND DOING BUSINESS ELECTRONICALLY. YOU CONSENT TO USING ELECTRONIC SIGNATURES, HAVING ALL DISCLOSURES PROVIDED OR MADE AVAILABLE TO YOU IN ELECTRONIC FORM AND TO DOING BUSINESS WITH THE MARKETPLACE PARTICIPANT ELECTRONICALLY. YOU ACKNOWLEDGE THAT YOU MAY REQUEST A PAPER COPY OF THE ELECTRONIC RECORDS AND DISCLOSURES, WHICH WILL BE PROVIDED TO YOU AT NO CHARGE. IF YOU REFRAIN FROM PROCEEDING THEN YOU NEITHER WISH TO USE ELECTRONIC SIGNATURES NOR CONDUCT THIS TRANSACTION ELECTRONICALLY. YOU ALSO ACKNOWLEDGE THAT YOUR CONSENT TO ELECTRONIC DISCLOSURES IS REQUIRED TO RECEIVE SERVICES FROM MARKETPLACE PARTICIPANTS OVER THE INTERNET. Under the federal E-SIGN Act and related state laws, with your consent, we can deliver such required information to you electronically and can use electronic records and electronic signatures in connection with your transactions with Marketplace Participants in our network. If you do not want to receive the required information electronically, or do not want to use electronic signatures in connection with your transactions with the Marketplace Participants, you should not agree to the terms of this agreement. If you do not consent to receiving the required information electronically, or do not consent to the use of electronic signatures in connection with your transactions with Marketplace Participants in our network, we will not be able to proceed with you.
11. Information Review Process
If one or more Marketplace Participants review your Loan Request information and determine that you meet its loan qualification criteria, we will provide you the name(s) and contact information of the Marketplace Participant(s) or redirect your browser to their website. Once we connect you with a Marketplace Participant in either manner, we have no further involvement in the Loan Request Form or approval process. Your subsequent interactions with them are subject to their privacy policies, terms of use, and other policies or terms enforced by that Marketplace Participant. In addition, Marketplace Participants who review your information may contact you at a later time to offer their products and services to you.
I expressly authorize the Marketplace Participant I am connected with to share among its affiliates, loan servicers, and bank partners any transaction history related to my financial products or services received or serviced through the Marketplace Participant for the purpose of evaluating me for credit.
We are not responsible for any failure or delay in providing the Service caused by errors, inaccuracies, or falsity in any of the Loan Request Form information provided by your or by any technical problems beyond our reasonable control. We are not an agent of you or any Marketplace Participant. We are not involved with the Marketplace Participant’s review and/or use of your Loan Request information or in making a determination about whether you meet a particular Marketplace Participant’s loan qualification criteria. We do not recommend or endorse the products of any particular Marketplace Participant. The Marketplace Participant is solely responsible for its services to you, and you agree that we shall not be liable for any damages or costs of any type arising out of or in any way connected with your use of the Service. You understand that Marketplace Participant may keep your Loan Request information for their own business and marketing purposes, whether or not you qualify for a loan with them.
12. License
This Agreement provides to you a personal, revocable, limited, non-exclusive, royalty-free, non-transferable license to use this Site conditioned on your continued compliance with the terms and conditions of this Agreement. Notwithstanding the foregoing, you may not modify, translate, decompile, create derivative work(s) of, copy, distribute, disassemble, broadcast, transmit, publish, remove or alter any proprietary notices or labels, license, sublicense, transfer, sell, mirror, frame, exploit, rent, lease, private label, grant a security interest in, or otherwise use in any manner not expressly permitted herein the Site. Moreover, you may not (i) use any “deep link,” “page scrape,” “robot,” “spider,” or other automatic device, program, script, algorithm, or methodology, or any similar or equivalent manual process, to access, acquire, copy, or monitor any portion of this Site or in any way reproduce or circumvent the navigational structure or presentation of this Site to obtain or attempt to obtain any materials, documents, or information through any means not purposely made available through the Site, (ii) attempt to gain unauthorized access to any portion or feature of this Site, including, without limitation, the account of another Individual or any other systems or networks connected to this Site or to any of our servers or to any of the services offered on or through the Site, by hacking, password “mining,” or any other illegitimate or prohibited means, (iii) probe, scan, or test the vulnerability of this Site or any network connected to the Site, nor breach the security or authentication measures on this Site or any network connected to the Site, (iv) reverse look-up, trace, or seek to trace any information on any other User of or visitor to the Site, (v) take any action that imposes an unreasonable or disproportionately large load on the infrastructure of this Site or our systems or networks or any systems or networks connected to the Site, (vi) use any device, software, or routine to interfere with the proper working of this Site or any transaction conducted on the Site, or with any other person’s use of the Site, (vii) forge headers, impersonate a person, or otherwise manipulate identifiers in order to disguise your identity or the origin of any message or transmittal you send to us on or through the Site, (viii) use the Site to harvest or collect e-mail addresses or other contact information; or (ix) use this Site in an unlawful manner or in a manner that could damage, disparage, or otherwise negatively impact us. WITHOUT LIMITING THE GENERALITY OF THE FOREGOING, COPYING OR REPRODUCING ANY SERVICES, PROGRAMS, PRODUCTS, INFORMATION, OR MATERIALS PROVIDED BY US TO ANY OTHER SERVER OR LOCATION FOR FURTHER REPRODUCTION OR REDISTRIBUTION IS EXPRESSLY PROHIBITED.
13. Disclaimer Of Warranties, Release, And Limitation Of Liability
THE SERVICE AND SITE AND ALL INFORMATION, PROGRAMS, SOFTWARE, AND MATERIALS PROVIDED THEREIN (COLLECTIVELY, “SERVICE INFORMATION”) ARE PROVIDED ON AN “AS-IS” AND “AS AVAILABLE” BASIS AND MAY INCLUDE ERRORS, OMISSIONS, OR OTHER INACCURACIES. MOREOVER, WE MAY MAKE MODIFICATIONS AND/OR CHANGES IN THE SERVICE INFORMATION AT ANY TIME AND FOR ANY REASON. YOU ASSUME THE SOLE RISK OF MAKING USE OF AND/OR RELYING ON THE SERVICE INFORMATION. WE AND OUR PARENT, LICENSORS, SUBSIDIARIES, ADVERTISERS, MARKETPLACE PARTICIPANTS AND AFFILIATES MAKE NO REPRESENTATIONS OR WARRANTIES ABOUT THE SUITABILITY, COMPLETENESS, TIMELINESS, RELIABILITY, LEGALITY, OR ACCURACY OF THE SERVICE INFORMATION FOR ANY PURPOSE, AND EXPRESSLY DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING, WITHOUT LIMITATION, ANY WARRANTY OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT OR ANY OTHER IMPLIED WARRANTY. WE MAKE NO REPRESENTATION OR WARRANTY THAT THE SERVICE WILL OPERATE ERROR FREE OR IN AN UNINTERRUPTED FASHION OR THAT ANY FILES OR INFORMATION THAT YOU ACCESS FROM THE SERVICE WILL BE FREE OF VIRUSES OR CONTAMINATION OR DESTRUCTIVE FEATURES. Some jurisdictions do not allow the disclaimer of certain warranties or conditions or the limitation or exclusion of liability for loss or damage caused by negligence, breach of contract or breach of implied terms, or incidental or consequential damages. Accordingly, only the limitations which are lawful in your jurisdiction will apply to you and our liability will be limited to the maximum extent permitted by law. You expressly absolve and release us and our Marketplace Participants from any claim of harm resulting from a cause beyond our or our Marketplace Participants’ control, including, but not limited to, failure of electronic or mechanical equipment or communication lines, telephone or other connection problems, computer viruses, unauthorized access, theft, operator errors, severe weather, earthquakes, or natural disasters, strikes, or other labor problems, wars, or governmental restrictions. YOU EXPRESSLY UNDERSTAND AND AGREE THAT WE AND OUR PARENT, LICENSORS, SUBSIDIARIES, ADVERTISERS, MARKETPLACE PARTICIPANTS AND AFFILIATES OR ANY OF OUR OR THEIR OFFICERS, DIRECTORS, AGENTS, EMPLOYEES, SUCCESSORS, ASSIGNS, OR SERVICE PROVIDERS SHALL NOT BE LIABLE TO YOU FOR: (A) ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL OR EXEMPLARY DAMAGES WHICH MAY BE INCURRED BY YOU, HOWEVER CAUSED AND UNDER ANY THEORY OF LIABILITY, ARISING OUT OF OR IN ANY WAY CONNECTED TO THE USE OF THIS SITE, THE SERVICE, OR ANY INFORMATION, SOFTWARE, PRODUCTS, AND SERVICES OBTAINED THROUGH THE SITE, WHETHER RESULTING IN WHOLE OR IN PART FROM BREACH OF CONTRACT, TORTIOUS BEHAVIOR, NEGLIGENCE, STRICT LIABILITY, OR OTHERWISE, EVEN IF WE OR OUR MARKETPLACE PARTICIPANTS HAVE BEEN ADVISED OF THE POSSIBILITY OF DAMAGE. Because some jurisdictions do not allow the exclusion or limitation of liability for consequential or incidental damages, the above limitation may not apply. You hereby agree to indemnify and hold us harmless against any claims made by you or your successors arising out of or related to any violation of federal, state or local laws relating to any loan that you receive through the Service or your interactions with any Marketplace Participants with whom you were connected through the Service.
14. Termination
We may temporarily or permanently stop providing the Service (or any features within the Service) to you, or terminate this Agreement, at any time if (a) you have breached any provision of this Agreement, (b) we are required to do so by law, (c) we believe, in our sole discretion, that you have committed fraud with respect to your access to and use of the Service, (d) the Marketplace Participants or other business partner with whom we offer the Service to you has terminated its relationship with us, (e) the provision of the Service to you by us is, in our sole opinion, no longer commercially viable, or (f) we are no longer providing the Service to customers in the jurisdiction in which you reside or from which you use the Service. Termination is effective without notice.
15. Governing Law; Dispute Resolution
You agree that: (1) Any claim, dispute, or controversy (whether in contract, tort, or otherwise) arising out of, relating to, or connected in any way with the website or the services provided on the website will be resolved exclusively by final and binding arbitration conducted pursuant to the American Arbitration Association (“AAA”) Consumer Arbitration Rules (if and as applicable depending on the amount in controversy); (2) This arbitration agreement is made pursuant to a transaction governed by the Federal Arbitration Act (“FAA”), 9 U.S.C. §§ 1-16; (3) The arbitration will be held in your county of residence; (4) The arbitrator’s decision will be controlled by the terms and conditions of this Agreement; (5) The arbitrator will apply Texas law consistent with the FAA and applicable statutes of limitations and will honor claims of privilege recognized at law; (6) There will be no authority for any claims to be arbitrated on a class or representative basis; arbitration can decide only your individual claims and the arbitrator may not consolidate or join the claims of other persons or parties who may be similarly situated; (7) The arbitrator will not have the power to award punitive, consequential or exemplary damages against any party; (8) In the event that the administrative fees and deposits you are required to pay under the AAA rules exceed $125, and you are unable to pay the additional fees and deposits, Company retains the right to forward them to the AAA on the your behalf, subject to ultimate allocation by the arbitrator. In addition, if you are able to demonstrate that the costs of arbitration will be prohibitive as compared to the costs of litigation, Company retains the right to pay as much of your filing and hearing fees in connection with the arbitration as the arbitrator deems necessary to prevent the arbitration from being cost-prohibitive; and (9) If any part of this Arbitration Provision is deemed to be invalid or otherwise unenforceable or illegal, the balance of this Arbitration Provision will remain in full force and effect and will be construed in accordance with its terms as if the invalid or illegal provision were not contained herein. The FAA applies to any disputes over arbitrability or the enforcement of this clause. THESE TERMS PROVIDE THAT ALL DISPUTES BETWEEN YOU AND US WILL BE RESOLVED BY BINDING ARBITRATION. THUS, YOU GIVE UP YOUR RIGHT TO GO TO COURT TO ASSERT OR DEFEND YOUR RIGHTS. YOU ALSO GIVE UP YOUR RIGHT TO PARTICIPATE IN OR BRING CLASS ACTIONS. YOUR RIGHTS WILL BE DETERMINED BY A NEUTRAL ARBITRATOR AND NOT A JUDGE OR JURY. THE INFORMATION PROVIDED IN THIS AGREEMENT IS NOT INTENDED TO CONTAIN A COMPLETE EXPLANATION OF THE CONSEQUENCES OF ARBITRATION. You may opt out of this arbitration agreement by providing notice to us by US Mail sent to: 251 Little Falls Drive, Wilmington, Delaware 19808 no later than 30 calendar days from the date you accept these Terms of Service. To opt out, you must send notice in a letter that includes the subject line: “Arbitration Opt Out” along with your full name and the email address you used when consenting to the Terms of Service.
16. Miscellaneous
This Agreement, including the Privacy Policy which is incorporated herein, constitutes the entire agreement between you and us with respect to your use of the Service. No waiver by either party of any breach or default hereunder is a waiver of any preceding or subsequent breach or default. Section headlines are for reference purposes only and in no way define, limit, construe or describe the scope or extent of such section. Our failure to act with respect to a breach by you or others does not waive our right to act with respect to subsequent or similar breaches. If any provision of this Agreement is held invalid by a court of competent jurisdiction, such invalidity shall not affect the enforceability of any other provisions contained in this Agreement and the remaining portions of this Agreement shall continue in full force and effect. You agree that this Agreement and all agreements and notices incorporated herein may be automatically assigned by us, in our sole discretion, to a third party. You may not assign your obligations to any other person or entity.
Online Privacy Policy
Last Update: November 12, 2024
Welcome to https://web.liftlending.com (the “Site” or “Website”), a website owned and operated by Lift Lending LLC (“the Company”, “Lift Lending”, “Lift”, “we”, “us”, or “our”) is committed to maintaining your privacy and informing you of our privacy practices. This site features a partnership with Engine By MoneyLion, (NMLS#1475872). Please refer to the
Engine by Moneylion Privacy Policy and Financial Privacy Notice for more information regarding their policies. This online privacy policy and agreement (the “Privacy Policy”) covers how we collect, use, and treat data and information, including Personal Information (as defined below), that we collect, receive, process, or store in connection with our business and business activities (the “Business Practices”), which includes certain website services (collectively, the “Services”) (the Business Practices and Services are collectively referred to as the “Business”).
We may share the information you provide. We may hire third parties to perform certain functions and obtain personal information that is shared between such entities for the sole and exclusive purpose of determining whether you may be an appropriate candidate for our Services.
This website is not directed to visitors from outside of the United States. If you reside outside of the United States, please refrain from accessing or using our website.
1. Scope of this Privacy Policy
1.1. Application of this Privacy Policy.
This Privacy Policy applies to anyone providing us information including, without limitation:
Existing customers, prospective customers, and their agents or other authorized representatives (collectively, “Clients”), who have submitted consultation request forms or other related information to us by any means, including electronically or in person, in connection with the Business; Affiliates, business partners, agents, vendors, consultants, and other service providers (collectively “Service Providers”); and Visitors of our website located at web.liftlending.com (collectively, “Site Visitors”). We use the term “you” to refer, as applicable, to (i) Clients; (ii) Service Providers; and (iii) Site Visitors (as the context permits).
1.2. Site Visitor Information.
In the process of visiting our site, you may provide us, or other designees, with a range of
information, including certain potentially sensitive information such as your driver’s license. This Privacy Policy governs such information.
1.3. Other Exclusions from this Privacy Policy.
If we provide you with links to other websites, then they are solely for your convenience and reference and we are not responsible for the privacy practices or content on, or accessed through, such links or websites.
2. Your Consent to this Privacy Policy
2.1. Your Consent If You are a Site Visitor.
By accessing and using our Website as a Site Visitor, you are acknowledging that you have read and understood this Privacy Policy and agree to be legally bound by it. If you do not agree with the terms of this Privacy Policy, please refrain from accessing or using our Website.
2.2. Your Consent If You are Not a Site Visitor. Except as provided in Section 2.3 (Consent by User Acting in a Representative Capacity), your consent to, and your affirmative agreement that you have read and agree to, this Privacy Policy shall be by providing us information in
connection with our Business. For example, you may consent to this Privacy Policy by submitting information to us on our Website. By providing us information, including Personal Information, you are affirmatively agreeing that you have read and agree to this Privacy Policy, and agree to be legally bound by it.
3. Call Recordings
We may record calls and retain the content of text messages, emails, electronic submissions, or other written/electronic communications between you and us. By communicating with us, you consent to such recording and retention of communications. Third-party partners may also record your calls and retain the content of text messages, emails, or other written/electronic
communications. Each third-party partner’s individual practices will govern their communication and information retention and sharing practices. Accordingly, this policy applies solely to your communications with us.
4. The Information We Collect
The information that we collect about you falls into certain categories as further described in this Section 4 (The Information We Collect). This information consists of the following:
4.1. Personal Information. We collect certain information that identifies you as an individual (collectively, “Personal Information“). The Personal Information we collect may include the following:
Your name;
Your address;
Your email address;
Your phone number;
Your social security number;
Your driver’s license;
Your date of birth;
Financial information;
Health insurance information;
Annual income;
Your browsing history when logged into our Website;
Photos, videos, or other materials of personal nature (such as written statements or testimonials) depicting you or otherwise relating to you;
Device identifiers, such as cookies;
Device information, such as hardware and software settings;
Other characteristics of a user device, which, by themselves or taken in conjunction with other information, are sufficient to distinguish that user device over time from a population of other user devices;
IP addresses and log information, such as your device’s name, the type and version of your web browser, and referrer addresses that can function to identify a user device.
4.2. Tracking information that we, or a third party, may collect.
Online Activity Information.
We also collect technical and device-related information through our Website and third-party analytics tools that we use (collectively, “Online Activity Information“). Sometimes Online Activity Information can be associated with your Personal Information, in which case we will treat it as Personal Information. Otherwise we consider, and treat, Online Activity Information as Anonymous Information.
4.3. Anonymous Information.
We may also collect, process, and/or use information that does not identify you or your devices,
including Personal Information that has been made anonymous by: (i) removing identifying fields and aggregating the information with other information so that individual subjects of the information cannot be re-identified, or (ii) anonymizing the information with techniques that remove or modify the identifying data so as to prevent re-identification of the anonymized
information (collectively, “Anonymous Information“). Information that meets these criteria might include, for example, demographic information, statistical information (e.g., page views and hit counts), and general tracking information. We use Anonymous Information for our business operations, for example, to engage in marketing and other activities in a manner that protects our customers. Since Anonymous Information does not include Personal
Information, it is outside the scope of this Privacy Policy.
4.4. Treatment of Combined Information.
To enable us to better understand the characteristics of our users and/or to conduct our Business, we may link your Personal Information with Online Activity Information associated with you or other Anonymous Information. If we combine or associate Online Activity Information or other Anonymous Information with your Personal Information, then we will treat the resulting combination as Personal Information.
5. Description of Collection.
Though our policy is intended to be broader than necessary and favor data privacy laws in multiple jurisdictions, we recognize the twelve (12) broad categories of personal information referenced in the CCPA that a business may collect about a consumer. In particular, we have collected the following categories of personal information from consumers within the last
twelve (12) months:
| Category | Examples | Collected | Shared |
|---|---|---|---|
| A. Identifiers | A real name, alias, postal address, unique personal identifier, online identifier, IP address, email, account name, SSN, driver’s license, or similar. | Yes | Yes |
| B. Personal information categories listed in Cal. Civ. Code § 1798.80(e) | A name, signature, SSN, physical description, address, phone number, employment, bank account number, credit/debit card number, or other financial info. Some info in this category may overlap with other categories. |
Yes | Yes |
| C. Protected classification characteristics under California or federal law | Age (40+), race, color, origin, citizenship, marital status, disability, sex, gender, sexual orientation, veteran/military status, genetic info. | Yes | Yes |
| D. Commercial information | Records of personal property, products or services purchased, considered, or consuming histories or tendencies. | No | No |
| E. Biometric information | Genetic, physiological, behavioral, and biological characteristics (e.g., fingerprints, faceprints, voiceprints, iris scans, gait, sleep, or exercise data). | Yes | Yes |
| F. Internet or similar network activity | Browsing history, search history, info on interactions with a website, application, or advertisement. | Yes | Yes |
| G. Geolocation data | Physical location or movements. | Yes | Yes |
| H. Sensory data | Audio, electronic, visual, thermal, olfactory, or similar information. | Yes | Yes |
| I. Professional or employment-related information | Current or past job history or performance evaluations. | Yes | Yes |
| J. Non-public education information (per the Family Educational Rights and Privacy Act) | Education records (e.g., grades, transcripts, student financial info, student disciplinary records). | No | No |
| K. Inferences drawn from other personal information | Profiles reflecting preferences, characteristics, behavior, attitudes, intelligence, abilities, or aptitudes. | Yes | Yes |
| L. Sensitive personal information | SSN, driver’s license/ID/passport number, financial data, precise geolocation, racial or ethnic origin, religious/philosophical beliefs, union membership, health/genetic/biometric data, or content of messages (unless business-related). | Yes | Yes |
Personal information does not include publicly available information from government records, information relating to our job applicants, employees, contractors or other personal, de-identified or aggregated consumer information, or information otherwise legally excluded from the scope, such as information collected pursuant to the Gramm Leach Bliley Acy (GLBA).
Sensitive personal information is a subtype of personal information consisting of specific information categories. We may collect or use information that falls with the sensitive personal information categories listed in the table below and share the information with third parties who may provide you services.
| Sensitive Personal Information Category | Collected | Shared |
|---|---|---|
| Government identifiers, such as your Social Security number, driver's license, state identification card, or passport number. | Yes | Yes |
| Mail, email, or text messages contents not directed to us. | Yes | Yes |
| Financial information. | Yes | Yes |
6. Sales of Personal Information
Depending on the relationship we have with you, in the last 12 months we may have disclosed the following categories of personal information in ways that could be broadly deemed a “sale” for purposes of the CCPA: (i) Identifiers; (ii) Categories of personal information described in
Cal. Civ. Code Section 1798.80(e); (iii) Protected classification characteristics under California or federal law; (iv) Biometric information; (v) Internet or other similar network activity; (vi) Geolocation data; (vii)Sensory data; and (viii) sensitive information.
7. “Sharing” of Personal Information for Cross-Context Behavioral Advertising
Depending on the relationship we have with you, in the last 12 months we may have “shared” the following categories of personal information for purposes of cross-context behavioral advertising: (i) Identifiers; (ii) Categories of personal information described in Cal. Civ. Code Section 1798.80(e); (iii) Protected classification characteristics under California or federal law; (iv) Biometric information; (v) Internet or other similar network activity; (vi) Geolocation data; (vii)Sensory data; and (viii) sensitive information.
8. Information Shared for Business Purposes
In the preceding twelve (12) months, we have disclosed the following categories of personal information to the third parties listed above for a business purpose:
Category A: Identifiers.
Category B: California Customer Records personal information categories.
Category C: Protected Classifications
Category E: Biometric Information
Category F: Internet or other similar network activity.
Category G: Geolocation data.
Category H: Sensory data
Category L: Sensitive Personal Information
9. How We Collect this Information
We collect the above information through the following means
and technologies:
9.1. Contacting Lift Lending.
You can contact us with questions or comments. In order to communicate with us, you
must provide certain Personal Information. By communicating with us for these
purposes, you may provide us with your email address and other Personal
Information. In these instances, we use any information you provide to us for
the purposes for which you submit the information.
9.2. Questionnaires, Quizzes, and Surveys.
We may allow you to participate in surveys, quizzes, questionnaires, and other information-gathering mechanisms, which we may post on the Website or otherwise provide to you from time to time. You are free to choose whether you participate in any such survey, quiz, or questionnaire. We may ask that, in addition to providing your responses, you also provide Personal Information. In these instances, we use any information that you provide to us for the purposes for which you submit the information. We may also add your Personal Information
to your customer profile, as well as for advertising and marketing purposes.
Survey, quiz, and questionnaire information may be used for the purposes of
monitoring or improving our Business. As further set out in Section 13 (Your
Choices Regarding Your Personal Information; Opting Out), please understand
that you will not be allowed to “opt out” of formal notices related to our
Business, such as the operation of the Website, and legal, and other related
notices concerning your relationship with us.
9.3. Newsletters.
You may choose to sign up to receive optional communications from us. In addition, if you have
previously provided us with your email address, then we may choose to send news, bulletins, marketing materials, or other information to you. We will use Personal Information to determine which communications may interest you, and to send such communications. If we choose to undertake such communications, you will have the ability to opt out of receiving these communications as provided in Section 13 (Your Choices Regarding Your Personal Information; Opting Out).
9.4. Submitted Content.
As further set out below, we may provide you with the ability to submit content to us for our
internal use or to submit content to us for public consumption (collectively, “Submitted Content”). If you include any Personal Information relating to others in your Submitted Content, then you represent that you have full permission and authority to do so.
9.5. Submitted Content Provided to Us for Internal Use.
We may provide you with the ability to submit Submitted Content to us (either directly or through a third-party service), and we may also provide content to you, in order for us to better provide Services. For example, we may allow you to provide us with feedback related to our Business. If you provide us with such Submitted Content, we will protect it in accordance
with this Privacy Policy.
9.6. Cookies.
A cookie is a small amount of data, which often includes an anonymous unique identifier that is sent to your computer or mobile device from a website or a mobile application and stored on your hard drive. Cookies can be used to provide you with a tailored user experience and to make it easier for you to use a website or a mobile application upon future visits. We may include cookies on our Website, and use them for a variety of purposes, such as to recognize you when you return to our Website and to remember your preferences. You may set your browser or mobile device so that it does not accept cookies. Cookies may need to be enabled,
however, if you wish to access certain personalized features of the Website.
9.7. IP Addresses; Logs.
We may automatically receive and record information in our server logs from your browser or mobile device, including your IP address (the Internet address of your computer), your computer’s name, the type and version of your web browser or mobile device operating system, referrer addresses, and other generally accepted log information. We may also record page views (hit counts) and other general statistical and tracking information, which will be aggregated with that of other users in order to understand how our Website is being used, and
for security and monitoring purposes.
9.8. Tags.
We may use so-called “pixel tags” – small graphic images (also known as “web beacons” or “single-pixel gifs”) – to tell us what parts of our Website have been visited or to measure
the effectiveness of searches you perform on our Website. Pixel tags also enable us to send email messages in a format that you can read and they inform us whether emails have been opened. Pixel tags also help us ensure that our messages are of interest to you.
9.9. Click-Throughs.
We may send email messages, which use a “click-through URL” linked to content related to our
Business. When you click one of these URLs, you pass through our web server before arriving at the destination web page. We may track this click-through data to help determine interest in particular topics and to measure the effectiveness of our customer communications.
9.10. Configuration.
In order to determine whether your computer or mobile device is supported by our system, we may collect certain Anonymous Information. This information includes, but may not be limited to, your operating system and browser, the presence of any software that our Website may require to operate with your computer or mobile device, or other third-party software on your computer or mobile device.
9.11. Other Uses.
In addition to the uses specifically identified in this Section 9 (How We Collect this Information), there may be instances where you request information or other Services from us
that are not described in this Privacy Policy. In that instance, we will use Personal Information that you submit in order to provide such information or Services to you.
9.12. Provision of Personal Information Offline.
We may ask you to provide us with Personal Information when you speak with us on the phone, or otherwise interact with us offline (“Offline Personal Information”). If you provide Offline Personal Information to us, we will strive to provide you with either verbal and/or written notice of this Privacy Policy so that you can review it. For the avoidance of doubt, we treat any Offline Personal Information that you provide to us as Personal Information under this Privacy Policy.
10. How We Use The Information We Collect
We use the information that we collect or process, including Personal Information, Online Activity Information, and Anonymous Information, as permitted under applicable law and consistent with the terms of this Privacy Policy. More specifically, we use the information we collect for the following purposes:
To provide you with the Services you request and to communicate with you regarding our Services;
To use, and to allow you to provide us with, Submitted Content.
To respond to your inquiries;
To customize and enhance your use
of our Website, such as by personalizing your experience with us;To provide communications that might interest you, including marketing messages and to inform you of services that we think would be appealing to you, whether the services are provided by us or by others, and whether the services are available via us or a third party;
To perform analytics, quality control, market research, and to determine the effectiveness of our Services and promotional campaigns, to improve our current Services, and Website, and develop new services;
To perform internal administration, auditing, operation, and troubleshooting; and
To disclose the information to third parties as permitted or in accordance with your consent.
In addition to the uses specifically identified above, there may be instances where you request information and Services from us that are not described in this Privacy Policy. In our discretion, we can use information that you submit in order to provide such information and Services.
11. Other Essential or Internal Uses of Information
We may also use the information that we collect as we
believe to be necessary or appropriate for certain essential purposes,
including:
To comply with applicable law and legal process;
To respond to requests from public and government authorities, including public and government authorities;
To detect, prevent, or investigate potential security incidents or fraud;
To facilitate the functionality of our Website;
To enforce our terms and conditions;
To protect our operations;
To protect our rights, privacy, safety or property, security and/or that of you or others; and
To allow us to pursue available remedies or limit the damages that we may sustain.
12. How We Disclose this Information
We value your privacy, and we disclose the information we collect only in the manner set out below:
12.1. Marketing.
Subject to your communications choices explained herein, we may use your Personal Information to send you marketing communications. Company may also share your Personal
Information with third parties for their own direct marketing purposes, including in connection with Corporate Transactions (defined below) absent your consent (which may be by means of the third-party interactions described herein). This information gathering, and the subsequent transfer of information that could occur between or among contracted parties could be considered the “transfer,” “sale,” or “sharing” of information as defined under the CCPA and similar state analogues.
12.2. Your Disclosure or Consent.
As more fully described herein, your activities on the Service may, by their nature, result in the sharing of your Personal Information with third parties and by engaging in these activities you consent to that sharing and disclosure to third parties. Such third-party data receipt and collection is subject to the privacy and business practices of that third party, not the Company.
12.3. Our Service Providers.
We may engage certain Service Providers to perform functions on our or their behalf. These
functions may include, without limitation, maintaining our Website, collecting information, responding to and sending email or other messages, data analysis, and other functions useful and critical to our Business. In this capacity, we may provide Service Providers with Personal Information, Online Activity Information, and Anonymous Information as applicable. We will seek to only provide our Service Providers, if any, with the bare minimum of information
necessary to perform their required functions.
12.4. Legal Process.
We will reveal your Personal Information only to the extent we reasonably believe that we are
required to do so by applicable law.
12.5. Corporate Transactions.
We shall be entitled to transfer information that we collect (including Personal Information) to a third party in connection with or in contemplation of a reorganization, merger, sale, joint venture, assignment, transfer, or other disposition (including a disposition in connection with a bankruptcy or similar proceedings) of all or substantially all assets or stock of the business unit
or division responsible for the information under this Privacy Policy; provided the acquiring third party has agreed to safeguard your Personal Information with protections that are compatible with those set out in this Privacy Policy.
13. Advertising
We may also participate in advertising to keep the public apprised of our Services and associated content. As further set out below, we may use the information you shared with us to provide you with advertising or promotions based on your interaction with our Business.
13.1. Use of Anonymous Data for Advertising.
Like many companies, we may utilize targeted banners and ads and may display these to you when you are on other websites and mobile applications. We do this using a variety of digital marketing networks and ad exchanges in addition to using a range of advertising technologies like web beacons, pixels, ad tags, cookies, and mobile identifiers, as well as specific services offered by some sites and social networks. The banners and ads that you may see displayed will be based on information we hold about you, such as your previous use of our Website.
This may include your search history on our Website, the content you read on our Website, or banners or ads you have previously clicked.
13.2. Advertisers Use of Anonymous Data for Advertising.
Additionally, we may include the use of ad banner partners for the serving and/or targeting of ads, promotions, and other marketing messages. These ads may be provided, in some cases, by a third-party ad service provider or advertiser (collectively, “Advertisers”). Additionally, Advertisers may place or utilize their own cookies on your browser and may use Anonymous Information about your visit to our Website. If an Advertiser requests that you provide Personal Information to it or otherwise accept its cookie on your browser, please be aware that the Advertiser’s use and collection of this information and use of any cookies will be governed by its privacy policy or other relevant agreement, and not our Privacy Policy. We recommend that you review the Advertiser’s privacy policy before providing Personal Information. You may choose not to receive targeted advertising from certain ad networks, data exchanges, marketing analytics, and other service providers as indicated at: http://www.aboutads.info/choices/.
14. Information to Third Parties
Our Website may include links to third party websites offering services that augment those services offered by us. Those third parties determine their own data handling practices – any information that you submit to third parties is not governed by this Privacy Policy.
15. How We Safeguard the Information We Collect
We recognize the sensitivity of our users’ Personal Information and we have put in place security systems designed to prevent unauthorized access to or disclosure of this information. Our security systems include physical, technical, and administrative information security controls, and we take commercially reasonable steps to secure and safeguard such Personal
Information in accordance with applicable law.
15.1. Our Retention of Data.
We retain Personal Information for the period of time necessary to fulfill the purposes for which we obtained the Personal Information and consistent with applicable law. We use the following criteria to set our retention periods: (i) the duration of our relationship with you, if any; (ii) the existence of a legal obligation as to the retention period; and (iii) the advisability of retaining the information in light of our legal position (for example, in light of applicable statutes of limitations, litigation, or regulatory investigations).
15.2. Accuracy and Minimization of Data.
We take reasonable steps (i) to maintain the accuracy of the Personal Information we process, and (ii) to limit the Personal Information that we process to that which is reasonably necessary for the purposes for which we obtained the information.
16. Your Choices Regarding Your Personal Information; Opting Out
16.1. Unsubscribing to Marketing Communications.
If you no longer wish to receive bulletins, updates, or other marketing-related materials from us, you can opt out of this Service by either (i) following the “unsubscribe” instructions located near the bottom of each email message, or (ii) contacting us as provided in the Contact Us section below.
16.2. Access, Deletion, and Do-Not-Sell Requests.
You may have certain rights regarding the information we collect and share with third parties. To exercise those right, please visit our Do-Not-Sell/Data Requests Page.
16.3. Right to Limit Use of Sensitive Personal Information.
You have the right to limit the use of your Sensitive Personal Information, if any, as defined under applicable law and we will treat that request as a revocation of your consent for us to collect and process your Sensitive Personal Information and will delete your Sensitive Personal
Information (subject to any exemptions available under applicable law).
We will process requests to Limit Use of Sensitive Personal Information within 15 business days subject to any applicable exceptions and extension permitted by law.
You may exercise your Right to Limit Use of Sensitive Personal information by contacting us at
You may also designate an authorized agent to act on your behalf as described
on the Limit Use of Sensitive Personal Information Request Page.
17. Information regarding your data rights
Specifically, we provide the following rights with respect to your Personal Information:
17.1. Copies of Personal Information.
You may request a copy of the following: (i) the categories of Personal Information we collected about you; (ii) the categories of sources from which the Personal Information is collected; (iii) the business or commercial purpose for collecting or selling (if applicable) the Personal Information; (iv) the categories of third parties with whom we share Personal Information; and (v) the specific pieces of Personal Information we have collected about you.
17.2. Deletion of Personal Information.
You may request that we delete your Personal Information. Note that deletion requests are subject to a number of limitations, for example, we may keep Personal Information as permitted by law, such as for tax or other record keeping purposes, to maintain an active account, to process transactions and facilitate customer requests, and for other internal business purposes consistent with the terms under which it was collected.
17.3. Do-Not-Sell Requests.
You may request that we do not share or sell your Personal Information with third parties to be used for purposes not described in this Privacy Policy. The California Consumer Privacy Act refers to this as a “Do Not Sell” request. We only seek to share or otherwise transfer Personal Information with service providers and others described above for purposes identified in this Privacy Policy. Please note, however, that Online Activity Information or Anonymous Information collected by service providers providing pixels or other third-party technologies on our Website could potentially be used by those service providers for their own purposes, some of whom may be able to associate such information with you based on other information they have collected independently (not from us). We will endeavor to block such sharing upon request.
17.4. Submission of Requests.
You can submit any of these requests by e-mailing us at [email protected] or by visiting the Do-Not-Sell/Data Requests Page. You may authorize another person (your “Agent“) to submit a request on your behalf the same way. Shortly after you (or your Agent) submit a request, we will contact you (usually via email) with instructions on how to verify the submitted request before we fulfill it or advise you of an exemption.
17.5. Response to Requests.
Please be advised that we will fulfill these requests in its reasonable discretion and in a manner consistent with any applicable law. Likewise, we will aim to complete such requests as soon as reasonably practicable, and in a manner consistent with any applicable law. If you otherwise have concerns or objections with our processing of your Personal Information, please email us at [email protected] or contact us as provided in the Contact Us section below.
17.6. Anonymous Information.
We will not delete Anonymous Information from our database other than in the regular course
of business, and nothing in this Privacy Policy restricts our use of Anonymous Information.
18. Advisory Regarding Participation by Children and Teens
Under U.S. Federal Law (as reflected in the Children’s Online Privacy Protection Act), WE DO NOT COLLECT OR STORE ANY PERSONAL INFORMATION FROM INDIVIDUALS THAT WE KNOW ARE UNDER THE AGE OF 16. If you wish further information concerning privacy policies in general, and concerning online social networking and safety, you should visit the following website: http://www.ftc.gov/privacy/index.html. If you believe we have inadvertently
collected or stored such personal information, please contact us so it can be deleted.
19. Relationship to Terms of Use
This Privacy Policy must be read in conjunction with our Terms of Use, and the provisions of our Terms of Service are incorporated herein. To the extent the Terms of Use conflict with the terms of this Privacy Policy, the terms of this Privacy Policy will control.
20. Notice of Privacy Rights to California Residents
The following provisions of this Section 16 (Notice of Privacy Rights to California Residents) apply if you are a California resident.
20.1. Shine the Light Law.
California law requires certain businesses to respond to requests from California users who
ask about business practices related to disclosing Personal Information to third parties for direct marketing purposes. The California “Shine the Light” law further requires us to allow California residents to opt out of certain disclosures of Personal Information to third parties for their direct marketing purposes.
20.2. California Consumer Privacy Act.
We make the following disclosures regarding the California Consumer Privacy Act:
20.2.1. No Financial Incentives.
We do not provide a financial incentive or a price or service difference to individuals in exchange for the retention or sale of their Personal Information. We may send offers to those individuals subscribing to our marketing communications and, unless an individual has opted out of such communications, the individual will continue to receive such communications irrespective of whether a disclosure, deletion, or “Do Not Sell” request has been submitted. We do not offer financial incentives to deter consumers from making such requests and will not discriminate against any consumer for exercising their privacy rights, including those provided by applicable law.
21. Consumer Reporting
We will endeavor to report consumer request metrics when they become available.
22. Questions
If you have any questions about our privacy practices, including in connection with the California Consumer Privacy Act, please email us at [email protected] or contact us as provided in the Contact Us section below.
23. Complaints
If you have a suggestion on how we can improve our Services or complaints you would like us to address, please contact by email us at [email protected] or contact us as provided in the Contact Us section below. If you are a California resident, you may report complaints to the Complaint Assistance Unit of the Division of Consumer Services of the California Department of Consumer Affairs. Other states may provide similar avenues for lodging complaints. Please check with your state’s consumer protection authority.
24. Changes to this Privacy Policy
From time to time, we may change this Privacy Policy for our business purposes and to comply with changes in applicable law. In the event of any substantive or material changes, we will communicate these changes to you by posting the updated Privacy Policy on the Website and/or notifying you of the change via the Website, email, or other methods. Your continued use following such notice constitutes your agreement to follow and be bound by the updated Privacy Policy. If you do not agree with any changes to our Privacy Policy, please contact us using the information set forth in the Contact Us section below.
25. Contact Us
If you have any questions about this Privacy Policy or your dealings with us, please contact us at [email protected] or write to us at:
Lift Lending, LLC
8615 Freeport Pkwy Ste 250, Irving, TX 75063
PLEASE PRINT AND RETAIN A COPY OF THIS PRIVACY POLICY FOR
YOUR RECORDS.
General Disclosure
If you did not receive an offer from a specific Lending Partner, they may not have been able to determine whether you qualified for a personal loan based on the information you provided. No credit decision has been made. You may still qualify for a personal loan from our partners.
Partner Guarantee Disclosure
All rates, fees, and terms are presented without guarantee and are subject to change pursuant to each provider’s discretion and may not be available in all states or for all types of loans. There is no guarantee you will be approved or qualify for the advertised rates, fees, or terms presented. This website does not include all lending companies or all available lending offers that may be available to you.
Representative Example & APR Disclosure
Representative Example: If you borrow $5,000 on a 36 month repayment term and at a 10% APR, the monthly repayment will be $161.34. Total repayment will be $5,808.24. Total interest paid will be $808.24.
Annual Percentage Rate (APR) Disclosure: The Annual Percentage Rate is the rate at which your loan accrues interest. Interest rates range from 7.99% to 35.99%. It is based upon the amount of your loan, the cost of the loan, term of the loan, repayment amounts and timing of payments and payoff. By law, the lender or lending partner must show you the APR before you enter into the loan. States have laws that may limit the APR that the lender or lending partner can charge you. Rates will vary based on your credit worthiness, loan size, amongst other variables, with the lowest rates available to customers with excellent credit. Minimum and maximum loan amounts and APRs may vary according to state law and lender or lending partner. We recommend that you read the lender’s and/or lending partner’s personal terms and conditions in full before proceeding for any loan.