Last Updated: May 31, 2024

PLEASE READ THESE TERMS OF USE CAREFULLY BEFORE ACCESSING OR USING ANY PART OF THE SITE.

These Terms of Use (“Agreement”) govern your use of the website owned by UB Loans (“UB Loans,” “we,” “our,” or “us”). This Agreement applies to all websites owned or operated by UB Loans, its affiliates, and subsidiaries (collectively, the “Site”). By accessing or using the Site, you acknowledge that you have read, understood, and agree to be bound by this Agreement, including our Privacy Policy and any other policies referenced herein (collectively, the “Terms”). If you do not agree to these Terms, please do not use the Site.

1. Modification of Terms

We reserve the right, at our sole discretion, to modify these Terms at any time. Any changes will be effective ten (10) days after posting the revised Terms on the Site. Your continued use of the Site thereafter indicates your acceptance of the updated Terms.

2. Eligibility and Use

The Site is intended for individuals aged eighteen (18) years or older. By using the Site, you represent that you are at least 18 years old. If you are under 18, please do not use the Site. The Site is for personal use only. During the period these Terms are in effect, we grant you permission to use the Site, provided you comply with these Terms and applicable laws.

3. Restrictions

You agree not to:

• Copy, distribute, display, mirror, frame, or modify any part of the Site without our prior written authorization.
• Use, modify, create derivative works of, transfer, reproduce, distribute, display, or publish any content from the Site except as expressly authorized herein.
• Disrupt servers or networks connected to the Site.
• Use or launch any automated system (including without limitation, “robots” and “spiders”) to access the Site.
• Circumvent, disable, or otherwise interfere with security-related features of the Site.

4. Information Integrity

You may be required to provide personal and financial information on the Site. You agree to provide accurate, complete, and current information and to update such information as necessary. Our use and disclosure of your personal information are governed by our Privacy Policy.

5. Matching Requests

The Site allows you to submit an online request (“Matching Request”) to be matched with third-party lending partners, brokers, agents, and other service providers (collectively, “Partners”). If you submit a Matching Request, Partners may contact you with offers via various communication methods. By submitting a Matching Request, you consent to such communications and agree that UB Loans is not responsible for the actions of Partners. You must contact Partners directly if you no longer wish to receive communications from them.

Submitting a Matching Request does not constitute a loan application. All loan decisions are made by the Partners, not UB Loans.

6. Third-Party Content

The Site may provide access to third-party content and services (“Third-Party Content”). We are not responsible for any Third-Party Content or the actions of third parties. Your interactions with third parties are solely between you and the third party. We encourage you to review the terms and policies of any third-party service you engage with.

7. Intellectual Property

All content on the Site, including text, graphics, logos, and software, is owned or licensed by UB Loans and is protected by intellectual property laws. You may not use any content from the Site for commercial purposes without our prior written consent.

8. User Submissions

The Site may allow you to post content or provide feedback (“User Submissions”). By posting User Submissions, you grant UB Loans a non-exclusive, royalty-free, perpetual, and transferable license to use, reproduce, and distribute your User Submissions. You represent that you own or have the necessary rights to provide the User Submissions.

9. Privacy

Our Privacy Policy explains how we collect, use, and protect your information. By using the Site, you agree to our Privacy Policy.

10. Disclaimer of Warranties

The Site is provided “as is” and “as available” without warranties of any kind. UB Loans disclaims all warranties, express or implied, including, but not limited to, warranties of merchantability, fitness for a particular purpose, and non-infringement. We do not guarantee the accuracy or completeness of any content on the Site.

11. Limitation of Liability

To the fullest extent permitted by law, UB Loans shall not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of data, use, or profits, arising out of your use of the Site. In no event shall UB Loans’s total liability exceed one hundred U.S. dollars ($100.00).

12. Indemnification

You agree to indemnify and hold UB Loans, its affiliates, officers, agents, and employees harmless from any claims, damages, losses, liabilities, costs, or expenses arising from your use of the Site or violation of these Terms.

13. Termination

We reserve the right to terminate your access to the Site at any time, with or without cause. Upon termination, your right to use the Site will immediately cease. Sections 7, 8, 10, 11, and 12 shall survive termination.

14. Governing Law

These Terms are governed by the laws of the State of North Carolina, without regard to its conflict of laws principles. Any disputes arising under these Terms shall be resolved exclusively in the state and federal courts located in Mecklenburg County, North Carolina.

15. Miscellaneous

These Terms constitute the entire agreement between you and UB Loans regarding your use of the Site. If any provision of these Terms is found to be invalid, the remaining provisions will remain in full force and effect. Our failure to enforce any right or provision of these Terms shall not constitute a waiver of such right or provision.

16. Contact Us

If you have any questions about these Terms, please contact us at: UB Loans, LLC
14460 Falls of Neuse Rd. Suite 149 – 397
Raleigh, North Carolina 27614
Email: info@ubloans.com

By using the Site, you acknowledge that you have read, understood, and agreed to these Terms of Use.