Terms & Conditions
PLEASE READ THESE TERMS AND CONDITIONS (“TERMS”) CAREFULLY. BY ACCESSING OUR SITE OR USING THE SERVICES, YOU AGREE TO BE BOUND BY THESE TERMS AND CONDITIONS. IF YOU DO NOT AGREE TO THESE TERMS, YOU MAY NOT USE THE SITE OR SERVICES AND MUST DISCONTINUE YOUR USE OF THE SITE AND SERVICES.
Communications. These Terms constitute a legal contract between you and Quick Loans governing your use of the Site and Services, to the extent not superseded by the terms and conditions of any contract we enter into with you for Services.
Modifications We may, from time to time, make modifications, changes or additions to these Terms. You agree that your continued use of the Site or Services following the posting of such changes is your acceptance of such changes. Therefore, you should visit this page periodically to review any changes to the Terms.
The Services are not available to persons under the age of 18 or to persons who are not legal residents of the United States. By using this site or applying for credit, or using any of our services, you represent and warrant that you are 18 years of age and are a legal resident of The United States of America. Eligibility is subject to final determination by Quick Loans and/or its affiliates.
While you may use our Site without registering, certain functionality or areas of the Site require you to register and create a username and password in order to access such portions of the Site. You may not share your username or password with others. We are not liable for any harm related to any authorized or unauthorized use of your username or password.
You acknowledge that a username and a password is a form of security. You acknowledge and agree that Internet transmissions and transactions are never completely private or secure and that any message or information you send to the Site may be read or intercepted by others, notwithstanding our efforts to protect such transmissions.
Consent to Be Contacted
By submitting your contact information or by registering for an account, or applying for Credit or beginning an application for Credit, you are consenting to be contacted by us by written notices, email messages, text messages, or telephone, at any email address or mailing address we have for you in our records or from other public and nonpublic databases we may lawfully access, and, in connection with any such telephone calls, you consent to the use pre-recorded/artificial voice messages and/or automatic dialing devices, at any telephone number associated with your account, including mobile telephone numbers that could result in charges to you for matters related to your loan or application, such as reminding you of upcoming payments, collections, and other loan-related issues.
The Site is protected by United States and international copyright and trademark laws and other applicable intellectual property laws.
You agree to defend, indemnify and hold BW Hughs, Incorporated, Quick Loans and its affiliates, their directors, officers, employees, agents, contractors, successors or assigns thereof harmless from and against all third party claims, damages and expenses (including reasonable attorneys’ fees) against or incurred by us arising out of your breach of these Terms or violation of applicable law, any of your Submissions, your use or access of the Site, or access by anyone accessing the Site using your account. We reserve the right to assume or participate, at your expense, in the investigation, settlement, and defense of any such action or claim.
Consent to Obtain Credit Reports
By clicking the submit button and submitting your application and continuing with the eligibility check or loan underwriting process, you understand and agree that you are authorizing BW Hughs, Inc. dba “Quick Loans” to obtain consumer reports and related information about you from one or more consumer reporting agencies, such as DataX, Decision Logic and other national databases that we may use.
You also authorize Quick Loans, to verify information that you have provided, and you agree that Quick Loans may contact third parties to verify such information. You direct Quick Loans to use your credit and other consumer reports to authenticate your identity, to make credit decisions, and for other related purposes.
You authorize Quick Loans to obtain credit reports and other consumer reports during the process of closing a loan to you, or at various times during the term of your loan, in connection with the issuing, servicing, monitoring, collection, or enforcement of the loan. This may include both on-time and late payment, missed payment, or other defaults on your account, and this information may be reflected on your credit report.
You AUTHORIZE us to effect both debit and credit entries into Your Bank Account with the proceeds of your loan and to correct any error in processing an ACH created by us. You certify that you have fully read and understand this ACH AUTHORIZATION FOR YOUR LOAN PROCEEDS. You acknowledge that you have read and understand all of the Terms and Conditions including the provisions mentioned above and you agree to comply with, and be bound by, all of those terms.