AFFILIATE REGISTRATION
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This MarketBullet.com Publisher Agreement (the "Agreement") is established between MarketBullet.com LLC, a Puerto Rico limited liability company (located at 53 Palmeras St. Suite 601 San Juan, PR 00901 Puerto Rico) ("MarketBullet.com"), and you, a participant in the MarketBullet.com publisher program ("Publisher") featured on www.marketbullet.com (the "MarketBullet.com Website"). This Agreement outlines the rights and responsibilities of both parties concerning the publisher program (the "Publisher Program").
Regardless of the effective date of this Agreement, MarketBullet.com retains the exclusive right to determine when any Publisher is authorized to operate as a Publisher through the Publisher Program.
This Agreement may be subject to alterations at the discretion of MarketBullet.com, without prior notice. These changes may encompass adjustments to the payout structure, payout amounts, payment procedures, and other policies related to the Publisher Program. However, it is important to note that (i) any modifications to the arbitration provisions, class action prohibition provisions, or any other dispute resolution provisions ("Dispute Resolution Provisions") will not apply to disputes that occurred before the modification, and (ii) any modifications to pricing and billing provisions ("Billing Provisions") will not apply to activities that occurred before the relevant amendment or modification.
The most current version of this Agreement will be published on the MarketBullet.com Website, and it is your responsibility to review this Agreement before using the MarketBullet.com Website and/or participating in the Publisher Program. Your continued involvement in the Publisher Program and/or use of the MarketBullet.com Website following such modifications implies your acceptance of these changes. You also acknowledge and consent to the possibility that MarketBullet.com may operate multiple websites that are similar to or compete with the Publisher Program and may seek customer referrals that differ from the terms and conditions outlined in this Agreement.
Furthermore, you agree to base your decision to enroll in the Publisher Program solely on this Agreement, without relying on any representations, guarantees, or statements other than those explicitly stated in this Agreement. In order for any insertion order ("Insertion Order" or "IO") to be considered effective and enforceable, it must be accepted in writing by MarketBullet.com at its sole discretion. Any IO submitted by or to MarketBullet.com will be considered incorporated into this Agreement by reference, but in the event of conflicts between such IO and this Agreement, this Agreement will take precedence and govern.
The term of this Agreement commences upon MarketBullet.com's written acceptance of the Publisher into the Publisher Program and remains in effect until terminated by either party as specified herein. The Publisher has the option to terminate this Agreement with three (3) days' prior written notice to MarketBullet.com. MarketBullet.com, at its sole discretion, reserves the right to terminate this Agreement at any time and for any reason, including but not limited to the following circumstances: (i) MarketBullet.com's belief that the Publisher is in breach of this Agreement; (ii) MarketBullet.com's belief that any website owned, operated, or controlled by the Publisher ("Publisher Website") or any email database owned, operated, or controlled by the Publisher ("Publisher Database") is unsuitable for the Publisher Program, which may include instances where MarketBullet.com deems that the Publisher Website contains material that could be considered unlawful, harmful, threatening, defamatory, obscene, harassing, or otherwise contentious or objectionable; (iii) MarketBullet.com's suspicion that the Publisher is engaged in deceptive marketing practices; (iv) MarketBullet.com's belief that the Publisher is not conducting permission-based email marketing in full compliance with (a) all international, federal, and state laws, rules, and regulations, including, but not limited to, the CAN-SPAM Act of 2003, as amended from time to time ("CAN-SPAM") or (b) the relevant published rules or guidelines of the Internet access service ("IAS") network, domain, or email servers to which it transmits commercial email (for the purposes of this Agreement, IAS shall have the same meaning as defined in CAN-SPAM); or (v) in the event of the dissolution or insolvency of either party.
The Publisher is only entitled to earn "Commissions," as defined below, on transactions that occur during the term of this Agreement. Upon the termination of this Agreement: (1) the Publisher must immediately cease using and remove from the Publisher Websites any and all Content (as defined below) and/or other materials provided by MarketBullet.com; (2) the Publisher must immediately cease transmitting any and all emails in connection with any Advertising Campaign (as defined below); (3) all licenses and rights granted to the Publisher in connection with this Agreement will immediately cease and terminate; and (4) any Confidential Information (as defined below), Content, or proprietary information of MarketBullet.com (including any confidential or proprietary information of any Advertiser) in the possession or control of the Publisher must be promptly returned or destroyed. Upon request, the Publisher will provide written certification, signed by the Publisher or an authorized officer of the Publisher, confirming the return or destruction of all such confidential and/or proprietary information.
Registration with MarketBullet.com does not guarantee the right to participate in the Publisher Program. Your participation in the Publisher Program is contingent upon review and approval by MarketBullet.com at its sole discretion. Upon MarketBullet.com's written acceptance of you as a Publisher, MarketBullet.com grants you a non-exclusive, non-transferable, revocable, and limited license to utilize the Content provided through the Publisher Program for each advertising campaign ("Advertising Campaign"). This usage is solely and exclusively for your efforts to promote the products and/or services featured in each Advertising Campaign and in accordance with the terms and conditions outlined herein. All Content and other information developed by MarketBullet.com or provided to you at any time in connection with this Agreement remain the sole and exclusive property of MarketBullet.com.
MarketBullet.com is permitted to utilize the Publisher's personal information in accordance with the MarketBullet.com Privacy Policy, which is integrated into and constitutes an integral part of this Agreement. For further details regarding MarketBullet.com's handling of Publisher information collected, please consult the MarketBullet.com Privacy Policy accessible on the MarketBullet.com Website.
MarketBullet.com will supply certain marketing materials, including creative pieces, text links, and banner advertisements (collectively referred to as "Content"), designed by MarketBullet.com and/or one of its Advertisers for the Publisher Program. These materials will be made available for download, usage, and publication by Publishers on the MarketBullet.com Website, subject to the license specified above and other provisions within this Agreement. MarketBullet.com reserves the right to terminate the Publisher's authorization to use the Content at its sole discretion, without prior notice.
In accordance with the terms and conditions of the Advertising Campaign offered by the relevant Advertiser, the Content is intended exclusively for the purpose of generating valid sales, leads, applications, registrations, clicks, impressions, or other compensable activities (collectively referred to as "Compensable Transactions"). Unless otherwise expressly indicated in writing by MarketBullet.com, all Content provided to the Publisher as part of any Advertising Campaign must retain, in unaltered form, the special transaction tracking codes embedded in the Content (referred to as "Transaction Tracking Codes").
The Publisher is prohibited from altering, circumventing, disabling, or otherwise interfering with any Transaction Tracking Codes or other technology or methodology required or provided by MarketBullet.com in connection with the Content. MarketBullet.com may modify or update the Content available at its discretion, without prior notice, and the Publisher agrees to use only the most recent version of the Content posted on the MarketBullet.com Website. Any alterations, modifications, or changes to the Content by the Publisher are strictly prohibited. The Publisher is only permitted to use the Content supplied by MarketBullet.com and posted on the MarketBullet.com Website. The use or attempted use of any marketing materials other than the Content provided by MarketBullet.com may result in the immediate termination of this Agreement without notice.
The Publisher is obligated to adhere to the field requirements outlined by MarketBullet.com in this Agreement, in any relevant IO, or in any written or email notifications. MarketBullet.com retains the right to reject, without the possibility of appeal, any leads or transactions that fail to meet the specified field criteria.
The Publisher acknowledges that MarketBullet.com may dictate the placement of the Content. In the absence of such directives (and subject to the terms and conditions of this Agreement, the rules pertaining to the specific Advertising Campaign, and all relevant laws, regulations, and rules), the Publisher may exhibit the Content on its Publisher Websites and/or within email messages distributed to the email addresses listed in its Publisher Database as it deems reasonable. However, the Publisher must promptly comply with any requests from MarketBullet.com to modify, adjust, or otherwise amend the positioning, placement, frequency, or other editorial aspects related to the Content. Furthermore, the Publisher must promptly remove the Content upon receiving instructions from MarketBullet.com or upon the termination or expiration of any Advertising Campaign.
The Publisher is expressly prohibited from using brand names, trademarks, or other intellectual property belonging to a third party (e.g., Milton Bradley or Apple) in the "subject" or "from" lines, or within the body of any commercial email transmission. The Publisher must refrain from using any brand names, trademarks, or other intellectual property to direct traffic to any Publisher Websites or Advertiser websites, including, but not limited to, the purchase of keywords from a search engine service provider that includes the trademark, service mark, and/or brand name (or any derivative thereof) of any Advertisers, MarketBullet.com, or their respective publishers or clients.
The Publisher is prohibited from employing deceptive practices to generate leads, such as creating "job sites" that mislead consumers by promising employment for completing offers like education or business opportunities. The Publisher must refrain from posting or transmitting deceptive content on public message boards, chat rooms, or in public areas of social networking and job sites, including platforms like Facebook.com and Craigslist. The placement of Content on non-Publisher Websites is not permitted without the prior express written consent of MarketBullet.com. Additionally, the inclusion or promotion of Content or Advertiser Campaigns through blogs, news articles, or other social media is strictly forbidden without the prior written consent of MarketBullet.com for each use.
The Publisher is obliged to utilize the Content with the sole intention of delivering valid Compensable Transactions. The Publisher must not, either knowingly or negligently, allow any individual to activate the Content or inflate the number of Compensable Transactions through deceptive or misleading practices, methods, or technologies, including but not limited to the use of spyware, adware, devices, programs, robots, Iframes, hidden frames, redirects, spiders, computer scripts, or other automated, artificial, or fraudulent methods designed to appear as if performed by a genuine, live person. The Publisher agrees and acknowledges that it shall not: (i) employ incentivized offers or create the appearance of such offers; (ii) request e-mail recipients or internet users to "click" on the Content in close proximity to statements (e.g., "Please click here"); (iii) place misleading or deceptive statements near the Content; (iv) take control of a user's computer with advertisements that cannot be closed without turning off the computer or closing all browser sessions; (v) install or execute one or more additional software programs on a user's computer without consent (if consent is obtained, the Publisher must provide clear instructions for software removal); (vi) distribute spyware or similar harmful software; or (vii) redirect traffic to a website other than the one specified by the Advertiser. Publisher Websites must be fully functional at all levels, and "under construction" pages or sections are strictly prohibited. Additionally, spawning process pop-ups are not allowed.
The Publisher is required to adhere to the Quality Control Guidelines ("QC Guidelines") outlined in Exhibit A, which are an integral part of this Agreement. These guidelines may be revised at any time without prior notice and become effective upon their update and publication herein or their delivery to the Publisher via email, whichever happens first. Non-compliance with the QC Guidelines will result in transactions being classified as non-Compensable Transactions.
The Publisher is not permitted to display the name or contact information of MarketBullet.com or any of its affiliated entities on any website, blog, or other online platform owned, operated, or controlled by the Publisher. Instead, the Publisher is required to prominently display its actual business name (or individual name if operating as a sole proprietorship), business address, telephone number, and email address on any website, blog, or other online platform owned, operated, or controlled by the Publisher.
Publisher agrees that, throughout the duration of this Agreement, it will maintain accurate books and records pertaining to its utilization of the Content and Suppression Lists (as defined below). Publisher also acknowledges that MarketBullet.com or any authorized representative of MarketBullet.com, bound by legal obligations of confidentiality and non-disclosure, shall have the right, during the term of this Agreement and for a period of six (6) months, to examine, inspect, audit, and review all such books, records, and source documents used in their preparation during normal business hours. This examination shall occur upon written notice to the Publisher at least seven (7) business days in advance of the audit's commencement. The costs and expenses associated with this audit shall be borne solely by MarketBullet.com and limited to those books and records that pertain to the Publisher's utilization of the Content and Suppression Lists.
However, in the event that MarketBullet.com discovers any significant misconduct related to the Publisher's use of the Content or Suppression Lists, the audit expenses shall be the sole responsibility of the Publisher and payable upon request.
MarketBullet.com will issue Commissions in accordance with the payment terms outlined in the relevant Advertising Campaign ("Commissions"), as specified in the Publisher Program or on the MarketBullet.com Website. Commissions will be based on Compensable Transactions recorded by the Transaction Tracking Codes, typically approximately thirty (30) days after the last day of a given calendar month, for Commissions earned during that month. All determinations made by MarketBullet.com regarding the Transaction Tracking Codes, Compensable Transactions, and any associated payments owed to the Publisher shall be considered final and binding.
Payments will be disbursed to the Publisher provided that their account has accumulated a minimum of one hundred dollars ($100.00) ("Payment Threshold") in accrued revenues. If an account falls short of the Payment Threshold, the outstanding amount due to the Publisher will be carried over to the following month until it equals or exceeds the Payment Threshold. In the event of Agreement termination, Commissions that are due and payable to the Publisher (including amounts below the Payment Threshold) will be settled during the next regularly scheduled billing cycle. MarketBullet.com, at its sole discretion, may withhold any payments owed to the Publisher until the Advertiser has settled the corresponding fees for the related Advertising Campaign. Additionally, MarketBullet.com, at its sole discretion, may reduce any payments owed to the Publisher if the applicable Advertiser has refused to remit the corresponding payments to MarketBullet.com. Please note that MarketBullet.com's services do not involve the investigation or resolution of any claims or disputes between the Publisher and any Advertiser or third party.
MarketBullet.com will compile, calculate, and post data on the MarketBullet.com Website, which it has used to determine the Commissions owed to the Publisher (referred to as the "Data"). Any questions or disputes regarding the Data must be submitted in writing to MarketBullet.com within five (5) business days of the Data's posting on the MarketBullet.com Website. Failure to do so will result in the Data being considered accurate and accepted by the Publisher. MarketBullet.com will investigate and resolve any questions or disputes related to the Data at its sole discretion. If, due to any issues with the Transaction Tracking Codes or for other reasons, MarketBullet.com is unable to provide the Publisher with accurate or complete Data, MarketBullet.com will calculate Compensable Transactions ("Projected Compensable Transactions"). This calculation will be based on either (i) the Publisher's average monthly Compensable Transactions recorded by MarketBullet.com for the relevant Advertising Campaign, prorated for any shorter or longer periods, where data is available to calculate a monthly average or (ii) an amount determined by MarketBullet.com as due and payable, in its sole discretion, when data required to calculate the Publisher's average monthly Compensable Transactions is unavailable.
MarketBullet.com is not responsible for paying Commissions to the Publisher in cases where (a) the Compensable Transaction involves lead generation, and the leads provided by the Publisher consist of consumers who have previously registered for, opted-in to, or are already members or customers of the Advertiser, (b) are generated through fraudulent or incentivized marketing, or are otherwise in violation of the restrictions set forth in this Agreement, or (c) the email recipient did not opt-in to receive email marketing from the Publisher. MarketBullet.com will not issue Commissions for billings (1) that occur before the Publisher is accepted into the Publisher Program, and (2) that occur after the termination of this Agreement or any termination of an applicable Advertising Campaign. MarketBullet.com will only make Commission payments when it possesses documentation supporting such Commissions. The Publisher may be required to provide a W-9 or similar tax identification information before receiving Commission payments. MarketBullet.com reserves the right to withhold or cancel Commission payments owed to the Publisher at its sole discretion if it believes the Publisher is in breach of any terms of this Agreement. It's important to note that customers who purchase products and/or services through the Publisher Program will not be considered the customers of the Publisher. All Commission payments owed to the Publisher will be made in US dollars. The Publisher is responsible for paying all taxes, including state and local taxes, and related fees, costs, and penalties incurred by MarketBullet.com and/or its Advertisers in connection with the Publisher's activities.
Any business partners or associates of Publisher engaging in activities as part of the Publisher Program shall be referred to as 'Sub-Publishers' in these Terms of Use. All Sub-Publishers must receive written pre-approval from Market Bullet. It is the sole responsibility of the Publisher to request such approval. Market Bullet retains the right to withhold or deny approval of any Sub-Publisher at its discretion and may revoke approval at any time and without prior notice. Sub-Publishers must adhere to the same criteria and terms and conditions as outlined for the Publisher in this Agreement. Publisher shall be jointly and severally liable with its Sub-Publishers for their acts or omissions. Market Bullet may revoke approval of Publisher’s participation in any Advertising Campaign or terminate this Agreement based on the acts or omissions of Publisher’s Sub-Publishers. Market Bullet reserves the right to employ all legal measures necessary to ensure compliance with this Agreement by Publisher and its Sub-Publishers.
Publisher agrees to indemnify, defend, and hold harmless Market Bullet, its directors, officers, shareholders, employees, agents, and publishers from any and all third-party actions, claims, liabilities, damages, losses, and expenses, including reasonable attorneys’ fees and costs arising from the acts, errors, or omissions of the Publisher, its Sub-Publishers, or any of their officers, directors, employees, agents, or publishers, or any third party acting on behalf of any of the foregoing, in connection with the performance of obligations under this Agreement, any applicable IO, any Advertising Campaign, or any breach of this Agreement.
Prior to sending any commercial email in connection with the Publisher Program, Publisher shall provide Market Bullet with a list of Internet Protocol ("IP") addresses and domain names intended for use in the specified Advertising Campaign. Publisher must promptly, upon the request of Market Bullet, furnish the name, date, time, IP address, and referral Uniform Resource Locator ("URL") where the relevant consumers granted Publisher affirmative consent, as defined by applicable law ("Affirmative Consent"), to receive such email marketing messages. Publisher assumes sole responsibility for all consumer complaints related to email campaigns conducted by Publisher.
Publisher represents and warrants that it will respond to all consumer complaints within forty-eight (48) hours of receipt. In addition to other remedies available, Market Bullet may withhold and suspend Commission payments until all outstanding consumer complaints are resolved to Market Bullet’s satisfaction. All costs associated with such required actions shall be deducted from the Publisher Commission. Publisher further represents and warrants that it will comply with all applicable federal, state, and local laws, rules, and regulations, including, without limitation, the Federal Trade Commission implementing regulations, CAN-SPAM, and any international laws, rules, and regulations, as well as any published rules or guidelines of the IAS networks, domains, and/or email service providers, regarding its email marketing. Publisher acknowledges that failure to comply with this Section may result in the immediate termination of this Agreement and the forfeiture of any and all rights to Commissions owed to Publisher by Market Bullet.
In performing any email marketing for any Advertiser, Publisher represents and warrants that it will transmit commercial email only to recipients who have given Publisher Affirmative Consent to receive email advertising and have not revoked such consent as of the date the commercial email was transmitted. Publisher must (i) not falsify email header and transmission information, including source, destination, and routing information; (ii) not use any "subject" or "from" line that is materially false or misleading; (iii) not seek or obtain unauthorized access to computers to send commercial email; (iv) include within all commercial email sent: (a) a valid street address for both Publisher and the Advertiser (if any); (b) a clear and conspicuous opt-out notice and functional opt-out mechanism that remains active for at least thirty (30) days from the date the subject email was transmitted; (c) clear and conspicuous language in the body of the email identifying the message as an advertisement or solicitation by either header or footer information stating the message is an advertisement or solicitation; and (d) process unsubscribe requests within three (3) days of receipt; (v) comply with all legal obligations and best practices regarding unsubscribing consumers from the Publisher’s email mailing lists; (vi) at least once each week, scrub the Publisher Database against the Advertiser suppression list, Market Bullet’s suppression list, and Publisher suppression list (collectively "Suppression List"), subject to the provisions contained below; and (vii) immediately notify Market Bullet if any complaint, investigation, and/or litigation ensues concerning Publisher’s or any Sub-Publisher’s email practices, whether or not such complaint, investigation, and/or litigation relates to Publisher’s relationship with Market Bullet. If any state or federal law, rule, or regulation governing email communications is enacted or amended after the effective date of this Agreement, setting forth standards more restrictive than those set forth herein, the more restrictive standards contained in such enacted or amended law, rule, or regulation shall apply to all Publishers with or without notice from Market Bullet of such change.
Regarding any Suppression List generated in connection with or provided through the Publisher Program, Publisher shall adhere to the following terms:
(i) Use such Suppression List and the individual customer records contained solely for the suppression purposes outlined herein, even after any termination of this Agreement.
(ii) Regularly utilize the Suppression List to remove any and all email addresses or domains contained therein from future commercial email mailings.
(iii) Refrain from using the Suppression List for email marketing purposes (or providing it to any third party for such purposes) and avoid sending, or causing to be sent, any commercial email messages to an email address or domain appearing on any Suppression List.
(iv) Abstain from using any Suppression List for email appending in any manner.
(v) Treat any Suppression List provided by Market Bullet or any Advertiser in trust and confidence, using it solely for the suppression purposes specified.
(vi) Not retain a copy of any Suppression List provided by Market Bullet or any Advertiser following the termination of this Agreement.
(vii) Not disclose any Suppression List provided by Market Bullet or any Advertiser to any employee, consultant, subcontractor, or third-party individual, corporation, or entity without first ensuring the written agreement of said party to be bound by this Agreement. Such agreement shall be promptly forwarded to Market Bullet upon request. Market Bullet reserves the right to withhold consent to such disclosure and may, at its discretion, prohibit the disclosure of any and all Suppression Lists provided.
Publisher shall upload its own list of suppressed email addresses to the LeadsMarket.com Website's designated area (the "Suppression List Upload Section"), if provided by Market Bullet. In the event that the Suppression List Upload Section is provided and no email addresses are supplied by Publisher, Market Bullet may presume that no such addresses exist. Additionally, Publisher agrees and acknowledges that: (a) it has downloaded and removed the domains listed on the Federal Communications Commission's ("FCC’s") wireless domain names list (http://www.fcc.gov/cgb/policy/DomainNameDownload.html) from all current data used in its mailings; and (b) any new data acquired, regardless of its source, will be scrubbed against the FCC’s wireless domain names list, with the removal of the contained domain names before sending any Market Bullet mailings. Publisher must maintain electronic or tangible records demonstrating the removal of any email addresses from its lists for verification by Market Bullet as required or requested.
Publisher must adhere to the provisions of the Telephone Consumer Protection Act, as amended and updated (“TCPA”), in all marketing activities that may result in telemarketing calls, text messages, SMS messages, or other activities governed by the TCPA, whether initiated by Market Bullet or any Advertiser. It is the sole responsibility of the Publisher to understand and comply with the TCPA. In addition to any other TCPA requirements or implementing regulations, Publisher is obligated to obtain prior express written consent from consumers, indicating their willingness to accept telemarketing calls and SMS marketing messages from Market Bullet LLC and its Advertisers or other entities specified by Market Bullet. Consent cannot be made a condition of purchase.
Without limiting the above, if Publisher utilizes its own websites or forms to generate leads or encourage a purchase or other consumer activity, Publisher must promptly produce, upon demand:
(i) Proof that a clear and conspicuous disclosure was provided to the consumer, allowing for telemarketing calls and/or SMS messages as required herein.
(ii) Unambiguous evidence that the consumer consented to receiving such communications at the provided number.
(iii) A copy of the webpage or form containing the consent language, along with the fields entered by the consumer (which may be blank).
(iv) A screenshot of the consumer's view, showing any completed fields (not blank).
(v) The date and time stamp associated with the given consent.
(vi) The consumer's IP address.
Publisher affirms and guarantees that:
(i) This Agreement has been appropriately executed and delivered by Publisher, constituting a legal, valid, and binding obligation fully enforceable under its terms.
(ii) Publisher will exclusively transmit commercial emails to recipients who have given Publisher Affirmative Consent, and have not revoked such consent as of the date the commercial email was transmitted.
(iii) Publisher will comply with all applicable federal, state, and local laws, rules, and regulations, including but not limited to the TCPA, CAN-SPAM, the Gramm-Leach-Bliley Act, the Fair Credit Reporting Act, the Federal Trade Commission Act, the Fair Debt Collection Practices Act, the Federal Communications Act, the Telephone Consumer Protection Act, and all rules and regulations under these statutes, as well as applicable state laws including the California Financial Privacy Act and the Vermont Consumer Protection Act. Publisher must also adhere to applicable IAS network, domain, and email service provider guidelines (collectively "Laws and Regulations").
(iv) Publisher understands and agrees that Market Bullet will enter into similar agreements with other publishers in direct competition with Publisher.
(v) Publisher is solely responsible for the development, operation, and maintenance of the Publisher Websites, Publisher Database, and all materials on the Publisher Websites. This responsibility includes, but is not limited to, the technical operation of the Publisher Websites and related equipment, creating and posting content on the Publisher Websites, ensuring accuracy and propriety of posted materials, compliance with Laws and Regulations, compliance with privacy laws, and ensuring Publisher’s use of the Publisher Database complies with privacy, data protection, and other applicable laws.
(vi) Each Publisher Website shall maintain a privacy policy ("Publisher Privacy Policy") that complies with applicable law, explaining that the website allows third parties, including Advertisers, to serve content within its media, and that it is allowed to share collected information with third parties such as Advertisers.
The Acceptable Use Policy ("AUP") of Market Bullet is available here. This AUP outlines the proper conduct and prohibited uses of the Publisher Program. By registering for and using the Publisher Program, you agree to be bound by the AUP. Market Bullet reserves the right to modify the AUP at any time, effective upon posting the modified AUP on the Market Bullet Website. It is the Publisher's sole responsibility to periodically review the AUP for updates. Market Bullet will not provide notices of changes other than by posting them on the Market Bullet Website. Continued participation in the Publisher Program and/or use of the Market Bullet Website after modification constitutes consent to any changes to the AUP in effect at that time.
DISCLAIMERS/LIMITATION OF LIABILITY: The Publisher Program, Market Bullet Website, data, suppression lists, transaction tracking codes, and content provided by Market Bullet are provided on an "as-is" and "as-available" basis. All warranties, express and implied, are disclaimed, including the disclaimer of any warranties of merchantability, non-infringement of intellectual property, and fitness for a particular purpose. These services may contain bugs, errors, problems, or other limitations, and Market Bullet has no liability to Publisher or any third party for Publisher’s use of, or inability to use, these services. Market Bullet is not liable for any indirect, special, incidental, or consequential damages, whether based on breach of contract, breach of warranty, tort (including negligence), product liability, or otherwise, even if advised of the possibility of such damages. The negation of damages set forth herein is a fundamental element of the basis of the bargain between Market Bullet and Publisher. Market Bullet’s maximum aggregate liability to Publisher and any third party under any and all circumstances shall be equal to the money paid by Market Bullet to Publisher during the six (6) months immediately preceding the event giving rise to such damages.
Market Bullet makes no representation or warranty regarding any results obtainable through the Publisher Program. No advice or information, whether oral or written, obtained by Publisher from Market Bullet through the Publisher Program, Market Bullet Website, data, suppression lists, transaction tracking codes, or content, shall create any warranty, representation, or guarantee not expressly stated in this Agreement. All responsibility and liability for any and all damages caused by or through the Publisher Program, Market Bullet Website, data, suppression lists, transaction tracking codes, and content are expressly disclaimed. Publisher understands and agrees that participation in the Publisher Program and access or use of the Market Bullet Website and its content is done solely at Publisher’s discretion and risk. Publisher is solely responsible for any use or alleged use of these services that may infringe upon a third party’s intellectual property rights. Under no circumstances shall Market Bullet be liable to Publisher or any third party (including, without limitation, any customers obtained through Publisher’s marketing efforts) in any manner whatsoever arising from Publisher’s participation in the Publisher Program. Without limiting the foregoing, Market Bullet’s maximum aggregate liability to Publisher and any third party under any and all circumstances shall be equal to the money paid by Market Bullet to Publisher during the six (6) months immediately preceding the event giving rise to such damages.
The organization, graphics, design, compilation, magnetic translation, digital conversion, software, and other elements associated with the Market Bullet Website, Publisher Program, Content, Data, Transaction Tracking Codes, and Suppression Lists provided by Market Bullet or any Advertiser are safeguarded by applicable copyright, trademark, and other proprietary or intellectual property laws. The utilization, copying, redistribution, or publication by Publisher of any segment of the Market Bullet Website, Publisher Program, Content, Data, Transaction Tracking Codes, and Suppression Lists provided by Market Bullet or any Advertiser, other than as envisioned in this Agreement, is strictly prohibited. Publisher does not acquire any ownership rights to the Market Bullet Website, Publisher Program, Content, Data, Transaction Tracking Codes, and Suppression Lists provided by Market Bullet or any Advertiser. The availability of the Market Bullet Website, Publisher Program, Content, Data, Transaction Tracking Codes, and Suppression Lists provided by Market Bullet or any Advertiser does not constitute a waiver of any rights related thereto.
Publisher acknowledges and agrees that Market Bullet may, without prior approval and in perpetuity, use Publisher’s name, company name, likeness, Publisher Website addresses, and associated information in Market Bullet’s marketing materials and press releases without compensating Publisher. Publisher is prohibited from creating, publishing, distributing, or allowing any written material that refers to Market Bullet without first submitting such material to Market Bullet and obtaining Market Bullet’s prior written consent, which may be withheld at its sole discretion.
For the purposes of this Agreement, "Confidential Information" refers to all data and information, whether of a confidential nature or otherwise, disclosed during the term of this Agreement by one party ("Disclosing Party") to the other party ("Receiving Party"). It includes information that the Receiving Party knows or should know that the Disclosing Party regards as confidential, such as (but not limited to): (i) business plans, strategies, know-how, marketing plans, suppliers, sources of materials, finances, business relationships, processes, methodologies, trade secrets, customer and vendor lists, personally identifiable customer information, pricing, technology, employees, and other non-public or proprietary information, whether written, oral, recorded on tapes, or in any other media or format; (ii) the material terms of this Agreement and any associated Advertisers or Advertising Campaigns; and (iii) any information marked or designated by the Disclosing Party as confidential.
The Receiving Party agrees to hold all Confidential Information in trust and confidence and, unless authorized by the Disclosing Party in writing, shall not use such Confidential Information for any purpose other than expressly set forth in this Agreement. The Receiving Party shall not disclose any Confidential Information to any person, company, or entity except to employees and professional advisers who must know such information for the Receiving Party to perform its obligations under this Agreement and who have entered into a confidentiality agreement with terms at least as restrictive as those set forth herein.
Confidential Information does not include information that the Receiving Party can verify with substantial proof: (1) is generally available to or known by the public through no wrongful act of the Receiving Party; (2) was independently developed by the Receiving Party without the use of Confidential Information; or (3) was disclosed to the Receiving Party by a third party legally in possession of such Confidential Information and under no obligation of confidentiality to the Disclosing Party.
The information and services provided through the Publisher Program and the Content are proprietary, and by enrolling, Publisher acknowledges that it is not a competitor of Market Bullet and agrees not to share this information with any competitors of Market Bullet. The Receiving Party acknowledges that monetary damages for breach of confidentiality may be inadequate and that the Disclosing Party is entitled to injunctive relief without the requirement to post a bond. This section shall survive any termination of this Agreement for a period of five (5) years, or for as long as the Confidential Information remains a trade secret under Commonwealth of Puerto Rico law, whichever period is longer.
Publisher acknowledges that Market Bullet has exclusive relationships with publishers, Advertisers, and other third parties participating in the Publisher Program (collectively referred to as "Market Bullet Partners"). Publisher commits not to bypass Market Bullet’s connections with its Market Bullet Partners or engage in, directly or indirectly, advertising, marketing, or promotional services similar to those provided by publishers in the Publisher Program for any Market Bullet Partner during the term of this Agreement and for a one-year period following termination or expiration of this Agreement. However, if Publisher can demonstrate that it provided such services to any such Market Bullet Partner before the effective date of this Agreement, Publisher shall not be restricted from continuing such a relationship.
Publisher undertakes to indemnify, defend, and hold harmless Market Bullet, its parents, publishers, and/or subsidiaries, along with each of their respective officers, directors, partners, members, managers, employees, agents, and attorneys, from and against any and all liabilities, claims, actions, suits, proceedings, judgments, fines, damages, costs, losses, and expenses (including reasonable attorneys’ fees, court costs, and/or settlement costs) arising from or related to: (i) Publisher’s or a Sub-Publisher’s breach of this Agreement and/or any representation or warranty contained herein; (ii) the Publisher Websites, Publisher Database, and/or Publisher’s or any Sub-Publisher’s marketing practices; (iii) any third-party allegation or claim against Market Bullet relating to a violation of any Laws and Regulations; (iv) any allegation that Publisher or a Sub-Publisher has infringed upon the trademark, trade name, service mark, copyright, license, intellectual property, or other proprietary right of any third party; (v) any non-Advertising Campaign-related content, goods, or services offered, sold, or otherwise provided by Publisher on and through the Publisher Websites, Publisher Database, or otherwise; (vi) any claim that Market Bullet must pay any taxes in connection with Publisher’s participation in the Publisher Program; or (vii) Publisher’s or any Sub-Publisher’s participation in the Publisher Program, in any manner whatsoever. You will promptly assume such defense with counsel reasonably acceptable to Market Bullet upon written notice to you of such indemnifiable claim. Market Bullet reserves the right to participate in the defense at its sole expense. You agree you will settle no indemnifiable claim without our prior written approval of Market Bullet.
Publisher shall immediately notify Market Bullet in writing if Publisher receives notice of any complaints, inquiries, or investigations related to the Publisher Websites, Publisher Database, any Sub-Publishers, or any other violations for Publisher’s or any Sub-Publisher’s business, whether or not Publisher must indemnify Market Bullet for such a claim.
Publisher acknowledges that Market Bullet will not be held liable or deemed in breach of this Agreement for any delay or failure to perform as required under the terms of this Agreement due to causes or conditions beyond Market Bullet’s reasonable control and which cannot be overcome through exercising commercially reasonable diligence (referred to as a "Force Majeure Event"). In the event of any such Force Majeure Event, including, without limitation, acts of God, fires, explosions, telecommunications, Internet, or network failure, results of vandalism or computer hacking, storms or other natural occurrences, national emergencies, acts of terrorism, insurrections, riots, wars, strikes, or other labor difficulties, or any act or omission of any other person or entity, Market Bullet will provide notice to Publisher and will exert commercially reasonable efforts to minimize the impact of any such event.
This Agreement shall be treated as though it were executed and performed in the Commonwealth of Puerto Rico and shall be governed by and construed under the laws of the Commonwealth of Puerto Rico (without regard to conflict of law principles). Any dispute arising out of or relating to this Agreement shall be resolved in binding arbitration under the auspices of the American Arbitration Association in the Commonwealth of Puerto Rico under the then-current Commercial Arbitration Rules of the American Arbitration Association. Besides all other rights and remedies a party may have, the prevailing party in any arbitration or legal action shall be entitled to an award of its reasonable attorneys' fees and costs. Any award rendered shall be final and conclusive to the parties, and a judgment thereon may be entered in any court of competent jurisdiction. This binding arbitration provision shall not, however, prevent either party from seeking equitable or injunctive relief in a court of competent jurisdiction. Publisher agrees that any unauthorized and/or unlawful use of the Publisher Program would cause irreparable injury to Market Bullet for which monetary damages would be inadequate. In such an event, Market Bullet shall have the right, besides other remedies available to it under this Agreement, to immediate injunctive relief against Publisher without the need to post a bond. Nothing in this Agreement shall be construed to limit any legal remedies available to Market Bullet. To the extent permitted by law, you agree you will not bring, join, or participate in any class action lawsuit as to any claim, dispute, or controversy you may have against Market Bullet and its employees, officers, directors, members, representatives, and/or assigns. You agree to the entry of injunctive relief to stop such a lawsuit or to remove you as a participant in the suit. You agree to pay the attorney's fees and court costs that Market Bullet incurs in seeking such relief. This provision preventing you from bringing, joining, or participating in class action lawsuits: (i) does not constitute a waiver of your rights and remedies to pursue a claim individually and (ii) is an independent agreement.
Any proceedings to resolve or litigate any dispute in any forum will be conducted solely on an individual basis. Neither you nor Market Bullet will seek to have any dispute heard as a class action, private attorney general action, or in any other proceeding in which either party acts or proposes to act in a representative capacity. No arbitration or proceeding will be combined with another without the prior written consent of all parties to all affected arbitrations or proceedings. Furthermore, you agree that you will not seek to have any dispute against any lender to whom you are referred heard as a class action, private attorney general action, or in any other proceeding in which either party acts or proposes to act in a representative capacity.
If any Section or provision of this Agreement, or the application of such Section or provision, is held invalid by any court of competent jurisdiction, applicable statute, or rule of law, then such Section or provision shall be deemed automatically adjusted to the minimum extent necessary to conform to the requirements for validity as declared at such time and, as so adjusted, shall be deemed a Section or provision of this Agreement as though originally included herein. If the Section or provision invalidated is of such a nature it cannot be so adjusted, the Section or provision shall be deemed deleted from this Agreement as though such Section or provision had never been included herein. In either case, the remaining Sections and provisions of this Agreement shall be interpreted to reasonably affect the original intent of Market Bullet and Publisher. Section headings are included for convenience only and shall not affect the interpretation of this Agreement.
Market Bullet and Publisher are independent contractors, and nothing in this Agreement will create any partnership, joint venture, agency, franchise, sales representative, or employment relationship between the parties. Market Bullet’s failure to enforce any provision of this Agreement shall not be deemed a waiver of such provision nor of the right to enforce such provision. Any attempt by any individual, whether or not a Publisher, to damage, destroy, tamper with, vandalize, or otherwise interfere with the operation of the Publisher Program violates both criminal and civil law, and Market Bullet may diligently pursue any and all remedies against any offending individual or entity to the fullest extent permissible by law and in equity. This Agreement will be binding on, inure to the benefit of, and be enforceable against the parties and Market Bullet’s successors and assigns. Publisher may transfer no rights and obligations under this Agreement. Any attempt to do so shall be deemed invalid and shall give Market Bullet the right to terminate this Agreement immediately.
Publisher acknowledges that by clicking on the button labeled 'I Agree' or 'Accept' or 'Submit' (or such similar button as may be designated by Market Bullet to accept this Agreement), Publisher is submitting a legally binding electronic signature and is entering into a legally binding contract. Publisher acknowledges that Publisher’s electronic submissions constitute Publisher’s agreement and intent to be bound by this Agreement. Under any applicable statutes, regulations, rules, ordinances, or other laws, including without limitation the United States Electronic Signatures in Global and National Commerce Act, P.L. 106-229 (the 'E-Sign Act') or other similar statutes, PUBLISHER HEREBY AGREES TO THE USE OF ELECTRONIC SIGNATURES, CONTRACTS, ORDERS AND OTHER RECORDS AND TO ELECTRONIC DELIVERY OF NOTICES, POLICIES AND RECORDS OF TRANSACTIONS INITIATED OR COMPLETED THROUGH THE SOFTWARE OR SERVICES OFFERED BY MARKET BULLET. Further, Publisher waives any rights or requirements under any statutes, regulations, rules, ordinances, or other laws in any jurisdiction which require an original signature or delivery or retention of non-electronic records, or to payments or granting credits by other than electronic means.
For technical/general questions, please contact [email protected]
Market Bullet LLC (Market Bullet) is committed to upholding the highest standards for leads in the industry. Therefore, Market Bullet will only compensate for leads that adhere to applicable international, federal, state, or local laws, these Quality Control Guidelines, and that are not the result of fraudulent practices.
A valid lead (referred to as an “action” or “user action”) is a lead containing accurate and complete information, where all necessary fields have been completed by the consumer. Valid leads must originate from real people (consumers) genuinely interested in the offer. Market Bullet will only remunerate for valid leads. The following Quality Control Guidelines must be satisfied to generate a valid lead:
For all lead generation activities:
Leads must not originate from computer-generated sources such as robots, spiders, computer scripts, or other automated, artificial, or fraudulent methods, including any methods designed to mimic an individual, real-live person.
Leads must not be processed or entered by anyone other than the consumer named in the lead. Call center operations may be exempt from this requirement with Market Bullet’s prior consent and written approval.
Leads must not contain false, incomplete, or inaccurate information.
Leads must not be from persons never interested in receiving information in the offer or from persons misled into submitting their information.
Leads must not be duplicate leads, defined as the same contact information (same or similar name with the same phone number or email address) sent to Market Bullet in the last 30 days. For “payday loan” leads, new consumer-generated requests within 30 days may be accepted if they are not duplicative of prior requests.
Unless prior written authorization is provided by Market Bullet, leads must not be incentivized, including leads generated by offering incentives, payments, rebates, or other things of value intended to increase conversion rates.
Leads must not be obtained using misleading or confusing language encouraging persons to submit their contact information.
Unless prior written authorization is provided by Market Bullet, leads must not be generated with any websites or offers that are oriented toward, show or promote pornographic or sexually explicit content, gambling, racist or hate speech or other offensive material as determined solely by Market Bullet.
Leads sent to Market Bullet must not be sold to other lead buyers, lead aggregators, vendors, wholesale or retailer buyers (i.e., only EXCLUSIVE leads are acceptable). This requirement may be waived only with Market Bullet’s prior written consent.
Leads must not be misclassified (for example, a payday loan lead is not valid if the consumer was seeking information on debt relief programs).
The consumer completing the request form must be 18 years of age or older.
Leads obtained through Craigslist or other similar online classified ad websites must not be misleading, including any strategies that redirect persons to landing pages for purposes not clearly referenced or explained in the original ad.
Lead generation methods must comply with the terms of use and privacy policy of the website or internet service provider utilized.
Leads must not be generated through advertisements that are misleading, untrue, and/or infringing on any trademark, copyright, or other third-party intellectual property rights.
Leads must be delivered to Market Bullet in real-time.
Leads must not be obtained using any other fraudulent or illegal practices.
Leads related to consumer finance (including, without limitation, payday loan leads) must meet a redirect rate of no less than 90%.
Leads sold via Ping Tree must not be sold on an exclusive basis.
Offsets and Credits (for all lead generation activities):
If Market Bullet pays for leads that are later deemed invalid or were generated in violation of these Quality Control Guidelines, such fees must be repaid to Market Bullet on demand. Market Bullet may withhold the payment of future money due as a credit against invalid or fraudulent leads for which payment was previously made.
MarketBullet LLC ensures that the following consumer-facing Privacy Policy is posted in a clear and conspicuous location on any and all websites used for financial lead generation.
Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do.
In order to use our Website and some of our Services, you may be required to register and provide us with certain Personally Identifiable Information ("Personal Information"). We also collect Personal Information through your use of the Services generally and from third party websites and services. “Personal Information” means information that can be directly associated with a specific person or entity. Examples of the Personal Information that we collect from you may include name, address, telephone number, e-mail address, credit card number and expiration date, date of birth, Social Security Number, financial account information, income information, employment information, and other personal, financial, or demographic information or information about activities directly linked to a person, such as that person’s location. You may be allowed to register through your Facebook account and may choose to log in through the Facebook Connect Feature, Twitter or Google Plus. By doing so, you are asking those entities to send us certain information from your profile and authorize us to collect, store and use this information in accordance with this Privacy Policy. It is your voluntary decision whether to provide us with any such Personal Information, but if you refuse to provide such information we may not be able to register you or allow certain uses of the Site and/or Services. In addition, when you use the Website certain non-personally identifiable information may be automatically gathered about your IP address, Geo-location information, mobile device, browser type, browser language or operating system. We may use third party contractors to collect and aggregate this information.
For purposes of compliance with the Gramm-Leach-Bliley Act, 15 U.S.C. 6802 (the “GLB Act”), this Privacy Policy shall serve as both your initial customer relationship and annual “Privacy Notice” as defined under the GLB Act. If You would like to opt-out from the future disclosure of your personal information to any third-party for marketing purposes, please visit the
Unsubscribe Page, enter your email address and phone number, and click the “Send” button to confirm your entry.
Section 326 of the USA PATRIOT ACT requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account or changes an existing account. This federal requirement applies to all new customers and current customers. This information is used to assist the United States government in the fight against the funding of terrorism and money-laundering activities. While this website is not a financial institution, lenders we work with are financial institutions. What this means to you: when you submit information to this website, we will ask for your name, physical address, mailing address, date of birth, and other information that will allow us to identify you. This information will be passed on to the lender that you are connected with on this website.
We follow generally accepted industry standards to protect the Personal Information submitted to us, both during transmission and once we receive it. No method of transmission over the Internet, or method of electronic storage, is 100% secure, however. Therefore, while we strive to use commercially acceptable means to protect your personal information, we cannot guarantee its absolute security. If you enter sensitive information such as a credit card number on our order form, our merchant services providers encrypt that information using secure socket layer technology (SSL). We will delete any information provided to us by a user upon the receipt of a written request by such user. We cannot restore information that we have deleted.
By agreeing to this Privacy Policy or by using this Site, you authorize us to use your Personal
Information to obtain other information about you from third-parties, such as your Social Security Number, where such information was incompletely or improperly filled out on our registration form. Such third-parties include, but are not limited to, consumer reporting agencies, consumer credit bureaus and other outside parties as permitted or required by applicable laws. Any and all information that we collect from you and from such third-parties may be used to determine your eligibility for any product, service or offer. If you choose to provide information, such as your Social Security Number, we may use that information to determine your financial status. If you do not provide such information, we may also use other information that you provided for the purpose of verifying your eligibility for a loan or for any other programs, offer or services. Upon qualification, your ultimate loan-specific financial information will be stored and utilized by your applicable lender pursuant to the terms of that lender's Privacy Policy.
If you choose to provide Personal Information, it will be used for and/or shared with trusted third parties such as Loan Providers and/or other financial service providers, credit bureaus, and for marketing products and services that you might find of interest. We reserve the right to share, rent, sell or otherwise disclose your information with/to third parties in accordance with applicable laws and as described herein. These third party businesses may include, but are not limited to: providers of direct marketing services, including lookup and reference, data enhancement, suppression and validation; e-mail marketers; wireless service providers and telemarketers. Information collected by us may be added to our databases and used for future instant messaging, telemarketing, SMS text-messaging, e-mails or postal mailings regarding site updates, new products and services, upcoming events, and/or status of orders and/or loans placed online. By using this website, you agree that you may be contacted in any manner contemplated in this section even if your number is found on a do-not-call registry or similar registry. We may also employ other companies and individuals to perform certain functions on our behalf. Examples include sending direct and electronic mail, removing duplicate information from customer lists, analyzing data, and providing marketing analysis. These agents have access to our users' personal information as needed to perform their functions for our sites, but may not be used for their own marketing purposes. In addition, we may also disclose your personal information as required by law, such as to comply with a subpoena, or similar legal process.
You agree that by submitting your information at the site, you agree to receive mobile marketing including, but not limited to, text-message based marketing (“SMS Messages”), from us and our third party advertisers and marketers. You further agree that based on your individual carrier and plan, you may incur charges associated with such SMS Messages and that you agree to be solely responsible for such charges. You represent that you are at least 18 years of age and the owner or authorized user of the wireless device on which messages will be received, and that you are authorized to approve the applicable charges. Should you hereafter choose to opt-out of receiving SMS Messages from the individual sender, you may opt-out by texting "STOP" or "OPT-OUT" as specifically set forth in the communication. Notwithstanding that your mobile telephone number may be listed on state and/or federal do-not-call registries, we retain the right to contact you via SMS Messages. In addition, by registering and/or using the website, you agree that such act constitutes an inquiry and/or application for purposes of the Amended Telemarketing Sales Rule (16 CFR 310 et seq.), as amended from time to time (the "Rule").
Notwithstanding that your telephone number may be listed at the Federal Trade Commission's Do-Not-Call List, we retain the right to contact you via telemarketing in accordance with the Rule.
We may also use your personal, demographic and profile data to improve our website, for statistical analysis, for marketing and promotional purposes, and for editorial or feedback purposes. Information collected by us may be added to our databases and used for future emails, telemarketing or postal mailings regarding site updates, new products and services, upcoming events, and/or status of orders placed online. See "Your Opt-Out Rights" below.
We may send push notifications or alerts to your web browser or your mobile device. These notifications may include marketing messages from us or from third-parties. You can deactivate these messages at any time by changing the notification settings on your mobile device or browser.
By using this website’s services, and checking the Terms of Use checkbox, I agree to receive informational, promotional or marketing related SMS messages from this website and marketing partners. This is a standard rate subscription service available on most carriers including U.S. Cellular, AT&T, Cellular One, T-Mobile, Sprint, Boost, MetroPCS, Verizon Wireless, Alltel Wireless and Virgin Mobile. Msg&Data Rates May Apply. Requires text-enabled handset. Carriers are not liable for delayed or undelivered messages. You may cancel your subscription at any time by replying or texting STOP. You can also get info directly on your phone by texting HELP. Service will continue until customer cancels.
In response to subpoenas, court orders, or other legal process or in response to a law enforcement agency’s request; to establish or exercise our legal rights; to defend against legal claims; or as otherwise required by law. In such cases we reserve the right to raise or waive any legal objection or right available to us.
When we believe it is appropriate to investigate, prevent, or take action regarding illegal or suspected illegal activities; to protect and defend the rights, property, or safety of our company or this website, our customers, or others; and in connection with our Terms and Conditions for the Site, and other agreements.
In the event that our company goes through a business transition, such as a merger, acquisition by another company, or sale of all or a portion of its assets, your personally identifiable information will likely be among the assets transferred. You will be notified via email or prominent notice on our Website for 30 days of any such change in ownership or control of your personal information.
By submitting your information via the Internet, you agree to receive certain notifications, disclosures and/or documents electronically. This Consent to Electronic Disclosures applies to the information you are providing on this Site and any other communications we or any third party lender may provide to you. By submitting your information, you agree to receive all such notifications, disclosures and/or documents from us or any third party lender in electronic form or online in accordance with this document. You may withdraw your consent prior to submitting your information by exiting the Site or by closing your browser. However, you will not be able to submit your information if you withdraw your consent by exiting the website or closing your browser. Following the submission of your information, you may be able to withdraw your consent to future electronic disclosures from a third party lender by contacting the lender directly, but due to rules regarding the timing of delivery of disclosures that need to be made to you, you acknowledge that an opt-out notice may not be received and acted upon by such third party lender prior to such disclosures being delivered to you electronically. We do not process opt-out communications for third party lenders, and each third party lender establishes its own rules regarding opting out of future electronic communications and disclosures.
All notifications, disclosures and/or documents that we or any third party lender provide to you in electronic format will be provided either (i) via e-mail; (ii) by access to a secure customer service website which will be provided to you in an e-mail notice sent to you when the documents are available; (iii) by posting on this Site or the lender’s site; (iv) by SMS text messaging to your mobile device; or (v) by posting on a website designated for that purpose. All notifications, disclosures and/or documents provided in electronic or paper format from us or any third party lender to you will be considered "in writing," and you should print a copy for your records. You may obtain any notifications, disclosures and/or documents in paper form without charge from us by printing them yourself from our website or the appropriate third party lender’s website when available. To access, view and retain the notifications, disclosures, and/or documents available to you in electronic form, you must have Internet access, sufficient electronic storage capacity, an e-mail account with an Internet service provider e-mail software.
You agree and intend the federal Electronic Signatures in Global and National Commerce Act to apply to (i) your consent to receive notifications, disclosures and/or documents in electronic form; (ii) the information you provide, and (iii) our and/or any third party lenders' ability to conduct business with you by electronic means.
By completing and submitting your information, you (i) agree to provide us with an accurate and complete e-mail address and other required information requested on this Site; (ii) confirm your consent to receive notifications, disclosures and/or documents from us and any third party lender in electronic format; (iii) affirmatively demonstrate your ability to access the notifications, disclosures and/or documents in electronic form; (iv) confirm that you have provided a current email address at which electronic notifications, documents and/or disclosures can be sent to you; (v) acknowledge that you have read and reviewed the terms contained in this Electronic Disclosure section; and (vi) agree to the terms contained in this Electronic Disclosure section.
We and any third party lender, reserve the right, in our sole discretion, to discontinue electronic provision of notifications and/or documents. You will be provided with notice of any such termination or change as required by law.
You are surfing a dynamically generated website that includes third-party advertising. Placement of tracking technologies such as and not limited to cookies and / or web beacons is permitted to third party advertising companies. These third party advertising companies may use such technologies to gather anonymous website statistics about your visits to this and other websites. These statistics are used by these third party advertising companies to provide ads of relevance to you. The information is gained in a statistical manner for use by us or by advertisers on our site. Data gathered will not identify you personally. It is strictly aggregate statistical data about our visitors and how they used our resources on the site. No identifying personal information will be shared at any time via cookies.
Any of our advertisers may also have a use for cookies and may collect information in regards to your computer for our services. We are not responsible, nor do we have control of the cookies downloaded from advertisements. They are downloaded only if you click on the advertisement. We are not responsible for the practices employed by websites or services linked to or from this site, including the information or content contained therein. Please remember that when you use a link to go from this Website to another website, our Privacy Policy does not apply to third-party websites or services. Your browsing and interaction on any third-party website or service, including those that have a link or advertisement on our Website, are subject to that third party’s own rules and policies.
Please be advised that in certain circumstances, we act as a limited agent for the actual third party lender or seller of the products and/or services available at or through the Site. In these circumstances: (a) you will be redirected to the applicable third party lender's or seller's website after you have submitted your information; (b) we will collect and send your personal information to the respective third party lender or seller in connection with completing your request or purchase from the third party lenders or seller, as applicable; and (c) your request or purchase will subject you to the third party lender's or seller's privacy policy, as applicable. We do not endorse, nor are we responsible for the accuracy of the privacy policies and/or terms and conditions of each of the third party lenders or sellers that may advertise at the website. The entities that advertise and/or place banner ads at the website, including but not limited to these third party lenders and sellers, are independent third parties and are not affiliated with us. In addition, our Site contains links to other third party websites and note that their privacy policy will govern the collection and use practices while on their website.
You may opt-out of receiving communications from us and or our third-party associates by not submitting your information. When contacted by any of these third parties, you should notify them directly of your choices regarding their use and sharing of your information and to opt-out of receiving additional offers from them or any other third party with whom we have shared your information. To opt-out from receiving any additional email communications regarding the Site, please visit our Unsubscribe Page. Please note that we reserve the right to send you service related communications, including service announcements and administrative messages, relating either to your account or to your transactions on this site, without offering you the opportunity to opt out of receiving them unless you cancel your account.
Q:What Are Cookies?
A: Cookies are text files that a web server places on your computer when you visit a web page. The cookies are used by the website to enable certain functionalities, like keeping you logged in or remembering your settings and displaying information relevant to you.
Q: What kind of information do cookies contain?
A: We use several types of cookies, each containing different information -
Anonymous analytics cookies containing anonymous aggregate statistics and analysis.
Registration cookies let us know when you are logged-in so that features requiring log-in are available to you.
Third party non advertising-related cookies that allow us to integrate the Website with other services like Twitter or Facebook.
Third-party Advertising cookies let us deliver and track advertisements that are relevant to your interests.
Q: How do I turn off cookies?
A: You can stop your browser from accepting cookies by following the instructions detailed below. Note that disabling cookies will prevent you from using certain functionalities of the Website.
The Website allows you to view the information you provided during registration and to alter any data, inaccuracies or errors. To request such access, or correct, update, or amend your personal information please contact us at [email protected] (this email address varies by website).
We will retain your information for as long as your account is active or as needed to provide you services. If you wish to cancel your account or request that we no longer use your information to provide you services, please contact us at the e-mail address listed above. We will retain and use your information as necessary to comply with our legal obligations, resolve disputes, and enforce our agreements.
We do not knowingly collect personally identifiable information from children under the age of 18. In the event you become aware that an individual under the age of 18 has enrolled without parental permission, please advise us immediately.
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