AFFILIATE REGISTRATION
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Last Updated: October 28, 2026
This Publisher Agreement (the "Agreement") is a binding legal contract between Market Bullet LLC, a Puerto Rico limited liability company located at 53 Palmeras St., Suite 601, San Juan, PR 00901, Puerto Rico ("Market Bullet," "Company," "we," "us," or "our"), and the individual or legal entity that accepts this Agreement ("Publisher," "Affiliate," "you," or "your").
You accept and agree to be bound by this Agreement when you:
If you accept this Agreement on behalf of a company or other legal entity, you represent and warrant that you have full legal authority to bind that entity, and "you" and "Publisher" refer to both that entity and you personally as its authorized representative.
Application & Onboarding Gate: Accepting this Agreement submits your registration application and binds you to these terms, but does not automatically authorize you to send live Traffic or Leads. You may deliver Traffic or Leads only after Market Bullet approves your account in writing and you complete all required portal onboarding steps (Section 3).
IMPORTANT LEGAL NOTICE: Section 25 requires binding individual arbitration in San Juan, Puerto Rico, and includes a class-action waiver and jury-trial waiver. Sections 15, 22, and 23 govern lead returns, payment reversals, your indemnification obligations, and limitations on our liability. Please read them carefully.
1.1 Program Models. Market Bullet operates a consumer financial services and personal-loan matching and distribution platform that connects consumers requesting personal loans or related financial products with participating lenders and financial services partners ("Lenders"). Once approved, you may participate in one or both of the following models as authorized in your Campaign Terms:
1.2 No Lending Role. Neither Market Bullet nor Publisher is a bank or lender under this Agreement. Neither party makes credit decisions, issues loan commitments, or guarantees loan approval, rates, or funding. Each participating Lender remains solely responsible for its own underwriting, credit decisions, loan terms, disclosures, and loan servicing.
1.3 Core Compliance Principles. Every consumer referral or Lead must originate from a genuine human consumer actively seeking the offered loan product, using truthful and approved advertising, supported by verifiable prior express written consent and tamper-evident session certificates (Section 7), and handled under strict data security and privacy controls (Section 13 and Schedule 1).
Capitalized terms have the meanings set forth below or where first defined in this Agreement:
3.1 Two-Step Verification & Onboarding Stages. Submitting the registration form on our website initiates a two-step phone/SMS verification and assigns your application to a Market Bullet Affiliate Manager. To become an active, approved Publisher, you must:
3.2 Sole Discretion & Scope of Approval. Market Bullet may approve, conditionally approve, or reject your application at our sole discretion. Each Campaign, traffic channel, domain, and Sub-ID requires express approval before launch. Silence, receipt of test pings, or successful API integration tests do not constitute approval to send live Traffic or Leads. All test submissions must use designated test flags and synthetic data—never real consumer data.
3.3 Duty to Keep Information Current. You represent that all information submitted during registration and onboarding (including your website URLs, estimated monthly visitors, and description of traffic generation methods) is truthful, accurate, and complete. You must notify your Affiliate Manager in writing within 5 Business Days of any change to your legal entity name, beneficial ownership, business address, payment instructions, or traffic generation methods.
3.4 No Volume or Revenue Guarantees. Market Bullet makes no guarantee regarding click conversion rates, Ping acceptance rates, Lead purchase volume, Lender demand, or Publisher earnings. Lender criteria and bid prices fluctuate continuously in real time.
4.1 Self-Executing Commercial Defaults. No separate paper Exhibit needs to be filled out for this Agreement to be valid and enforceable. Unless your portal Campaign Terms or a signed Insertion Order expressly specifies otherwise, the following commercial and technical defaults govern all activity:
4.2 Order of Precedence. If there is a conflict between documents, the following order of precedence applies: (1) an active Insertion Order signed or accepted in writing by Market Bullet (solely for the specific sections it expressly overrides), (2) this Agreement (including Schedule 1 and Schedule 2), (3) the Campaign Terms displayed in your Publisher Portal, and (4) the Posting Specifications. Neither an Insertion Order nor Campaign Terms may waive compliance with Applicable Law or mandatory consumer privacy/consent requirements.
4.3 Changes to Campaign Terms. Market Bullet may modify payouts, caps, approved states, or Campaign Terms prospectively by updating your Publisher Portal dashboard or sending notice by email. We may pause or terminate any Campaign at any time.
4.4 Updates to This Agreement. Market Bullet may update this Agreement by posting the revised Agreement on our website or inside the Publisher Portal and providing email or portal notice at least 10 calendar days before the effective date (or immediately upon notice if required to comply with Applicable Law, a Lender or regulatory mandate, or to prevent fraud or security harm). Your continued delivery of Traffic or Leads after the effective date constitutes your acceptance of the updated Agreement. If you do not agree to an update, your sole remedy is to stop sending Traffic and Leads and terminate your account before the effective date. Amendments to Section 25 (Dispute Resolution) do not apply retroactively to disputes for which formal written notice was given prior to the amendment.
5.1 Authorized Routing Only. Under the Traffic Program, you may send consumers to Company Sites solely through the exact Tracking Links assigned to you in the Publisher Portal for approved Campaigns. You are fully responsible for all advertisements, pre-landers, landing pages, emails, messages, and traffic sources used prior to the consumer arriving on a Company Site.
5.2 Tracking Link Integrity. You must pass a truthful, granular Sub-ID on every click. You must not:
5.3 Creative Approval. You may use only creative assets, ad copy, and pre-landers provided by Market Bullet or approved in writing by your Affiliate Manager inside the Publisher Portal. You must retain timestamped archive copies of every ad creative and pre-lander version you run for at least 5 years (Section 16.4).
5.4 Ownership of Company Site Data. All Consumer Data entered on Company Sites is the sole and exclusive property of Market Bullet. You have no right to access, store, retarget, build lookalike audiences from, or commercially use Consumer Data collected on Company Sites, except for aggregated conversion postback metrics we send to your tracking endpoint.
6.1 API Integration & Credential Security. Under the Lead Posting Program, you collect Consumer Data on your approved Publisher Forms and transmit Pings and Posts over HTTPS (TLS 1.2+) in strict compliance with our Posting Specifications. You must keep your API keys and credentials confidential and restrict access to authorized systems. You are responsible for all API calls made using your credentials.
6.2 Mandatory Pre-Launch Form Approval. Before posting any Lead from a Publisher Form, you must submit to your Affiliate Manager: (a) the live URL of the Publisher Form, (b) full-funnel desktop and mobile screenshots of every step, question, pre-lander, and disclosure, and (c) the implementation of our Consent Language and Consent Certificate scripts. Leads collected via social media native lead-gen forms, chatbots, SMS flows, or co-registration paths are strictly prohibited unless separately approved in writing. After a Publisher Form is approved, you may not alter the Consent Language, its visual prominence, the submit button text, or any step affecting consumer disclosures without obtaining prior written re-approval.
6.3 Publisher Form Standards. Every Publisher Form must:
6.4 Real-Time Delivery & Idempotency. Each Lead must be posted in real time within 5 minutes of the consumer's form submission while the consumer remains active in their browser session. Aged, stored, recycled, or batch-uploaded Leads are prohibited unless authorized in writing for a specific Campaign. Every API submission must carry a unique transaction ID, and any technical retry of the same consumer submission must reuse that exact transaction ID so the same inquiry cannot be billed twice.
6.5 Data Integrity & Ping Minimization. You must transmit the exact data entered by the consumer without alteration, fabrication, defaults, rounding up, or third-party data appending (for example, never alter self-reported income, credit tier, employment status, or active-duty military status).
6.6 Purchase Acceptance & 5-Minute Expiration. A Ping response, bid quote, HTTP 200 status, or network receipt acknowledgment is not a purchase. A Lead becomes a payable Sold Lead only when Market Bullet's API returns an explicit purchase acceptance code, transaction ID, and confirmed payout price within 5 minutes of the initial submission. If a timeout occurs, you must query our status endpoint before retrying or routing the Lead elsewhere. Any submission that does not receive an explicit purchase acceptance response within 5 minutes expires as rejected.
6.7 Immediate Consumer Redirects. When our Post acceptance response includes a Redirect URL, you must redirect the consumer's browser to that Redirect URL immediately (within 2 seconds) in the same browser window, without displaying interstitial pages, pop-ups, exit offers, or additional ads beforehand. You must maintain a minimum 90% redirect completion rate (or the rate specified in your Campaign Terms). If your redirect rate falls below 90%, Market Bullet may reduce payouts, suspend affected Sub-IDs, or reverse payment for non-redirected Sold Leads.
6.8 Exclusivity of Sold Leads. Unless your Campaign Terms expressly authorize "shared" Leads in writing, every Sold Lead is sold on a strictly exclusive basis:
6.9 Duplicates & Call-Center Prohibition. We pay only once per unique consumer within any 30-day period across all sources. Duplicate Leads are not payable. Leads entered by call-center agents, live operators, or warm transfers are strictly prohibited unless authorized in a separate signed Call-Center Addendum specifying call-recording and Telemarketing Sales Rule compliance.
7.1 Mandatory Consent Language. Every Publisher Form must display our approved Consent Language (modeled in Schedule 2 and provided in your Publisher Portal) directly above or adjacent to the submit button. The submit button label must exactly match the trigger phrase referenced in the Consent Language (e.g., "Get My Offers"). You may not hide the Consent Language in a scroll box, modal, tooltip, or fine print, nor include any statement on the page that contradicts it. When we notify you of a Consent Language update, you must deploy it within 5 Business Days (or within 24 hours if required for legal or regulatory compliance).
7.2 Consent Certificates (TrustedForm / Jornaya). For every Posted Lead, you must generate a valid, session-specific Consent Certificate using ActiveProspect TrustedForm (with full DOM/visual session replay and retain/claim ability enabled for Market Bullet) and/or Verisk Jornaya LeadiD, as specified in your Campaign Terms, and pass the valid certificate URL/token in the API Post. Each certificate must capture the exact consumer session in which the Lead was submitted and may never be cached, spoofed, or reused across multiple Leads. Any Lead delivered without a valid, verifiable Consent Certificate is invalid and non-payable.
7.3 Five-Year Consent Record Retention. For every Lead you deliver, you must retain complete, tamper-evident Consent Records for at least 5 years from the date of submission, including:
(Note: As detailed in Schedule 1, while you must retain these Consent Records for 5 years to prove legal consent, you must mask or purge unencrypted raw SSNs and bank account numbers once real-time delivery is completed.)
7.4 Rapid Record Production. You must provide complete Consent Records to Market Bullet within 2 Business Days of any request, or within 24 hours if we notify you that the request relates to a consumer complaint, TCPA/legal demand letter, Lender audit, lawsuit, or regulatory inquiry. Failure to produce complete Consent Records within the required timeframe entitles Market Bullet to treat the affected Leads as invalid and reverse payment under Section 15.
7.5 Consumer Opt-Outs and Revocations. You must maintain a clear, accessible mechanism for consumers to revoke consent or opt out of marketing communications and data sharing. If a consumer whose data you transmitted to Market Bullet requests to opt out of calls, texts, emails, or data sharing by any reasonable method, you must honor that request immediately across your systems and forward the opt-out notice (using minimum necessary identifiers) to Market Bullet within 1 Business Day so we can propagate it to relevant Lenders.
8.1 Valid Lead Requirements. A Lead is a "Valid Lead" only if it satisfies all of the following:
8.2 Valid Traffic Requirements. Traffic is valid only when it consists of genuine, voluntary clicks by real consumers located in approved U.S. states from approved traffic sources and is free of Invalid Traffic.
8.3 Quality Thresholds. Market Bullet monitors traffic and lead quality by Campaign and Sub-ID (including redirect rate, consumer contact rate, disconnected-phone rate, fraud/bot score, return rate, and Lender conversion rate). If any source or Sub-ID falls below our quality standards, we may immediately pause the Sub-ID, adjust pricing prospectively, impose volume caps, or terminate your participation in the Campaign.
9.1 Truthful Advertising. All advertisements, landing pages, pre-landers, emails, SMS messages, social media posts, and Publisher Forms used by you or your approved Sub-Publishers must be truthful, accurate, non-deceptive, and compliant with Applicable Law—including Section 5 of the FTC Act, the Consumer Financial Protection Act (CFPA) prohibition on Unfair, Deceptive, or Abusive Acts or Practices (UDAAP), state UDAP statutes, and the credit advertising disclosure rules of Regulation Z (Truth in Lending Act, 12 C.F.R. Part 1026).
9.2 Prohibited Claims & Practices. Unless expressly pre-approved in writing by Market Bullet for a specific Campaign with required statutory disclosures, you must never state or imply:
(a) "Guaranteed approval," "100% approval," "everyone is approved,"* or similar promises;
(b) "No credit check," "bad credit guaranteed,"* or that a credit inquiry can never impact a credit score (unless verified soft-pull language is expressly approved);
(d) That the consumer has already been "pre-approved," "pre-selected," or "approved for $X,XXX"*;
(g) "Free money," "loan forgiveness," or "debt elimination"*; or
(h) Fake scarcity or countdown timers (e.g., "Only 2 loans left in your ZIP code"*), fake news stories, unlabeled advertorials, fabricated consumer reviews/testimonials, or unauthorized celebrity endorsements.
9.3 Brand & Trademark Restrictions. You may not use the name, logo, domain, or trademark of Market Bullet or any Lender in any ad, domain name, social media profile, or display URL without prior written permission. You are strictly prohibited from bidding on "Market Bullet," "MarketBullet," or any Lender brand name (or misspellings/variations thereof) in paid search (Google Ads, Bing Ads, etc.) and must add our designated brand list as negative keywords upon request.
9.4 Prohibited Traffic Sources. You may never generate Traffic or Leads from:
9.5 Fair Lending & Non-Discrimination. In compliance with the Equal Credit Opportunity Act (ECOA) and Regulation B, you must never target, exclude, discourage, or steer consumers based on race, color, religion, national origin, sex, marital status, age (except to require legal majority of 18+), receipt of public assistance, or any other protected class, nor use demographic targeting proxies that result in unlawful disparate impact.
9.6 Platform Policies. You must comply with all advertising policies of Google, Meta, TikTok, Microsoft, and any other ad network you use, including declaring the Financial Products and Services / Credit Special Ad Category where applicable. Cloaking or evading ad-platform review is strictly prohibited and grounds for immediate termination.
10.1 Prior Channel Approval Required. You may not promote any Campaign via outbound email, SMS/MMS text message, telephone call, call transfer, ringless voicemail, or push notification without separate, channel-specific prior written approval from Market Bullet. The use of prerecorded voice, artificial voice, or AI-generated voice technologies is strictly prohibited without an explicit signed addendum.
10.2 Commercial Email (CAN-SPAM Compliance). Where email marketing is approved in writing, you must:
"From" and "Subject" lines pre-approved by Market Bullet, clear identification of the message as an advertisement, your valid physical postal address, and a working one-click unsubscribe link that remains active for at least 30 days after sending;10.3 SMS/Text Messaging & Outbound Calls (TCPA & TSR Compliance). Where SMS or outbound calling is approved in writing, you must:
"Reply STOP to opt out"), and honor all opt-out or revocation requests made by any reasonable means immediately (and in all cases within 1 Business Day); and10.4 Suppression Lists. Any suppression list provided by Market Bullet or a Lender is Confidential Information. You may use it solely to scrub and suppress recipients prior to sending approved marketing, must never use it to target, enrich, or sell data, and must securely delete it upon termination of the Campaign or this Agreement.
11.1 Strict Prior Approval. You may not use any Sub-Publisher, third-party media buyer, or sub-network without Market Bullet's prior written approval for that specific Sub-Publisher. Before requesting approval, you must disclose the Sub-Publisher's legal name, website URLs, and traffic generation methods. Each approved Sub-Publisher must be assigned a unique, dedicated Sub-ID passed on every click and Lead. Market Bullet may revoke approval of any Sub-Publisher at any time on notice, and you must immediately cease routing traffic from that Sub-Publisher.
11.2 Flow-Down & Joint Liability. You must bind each approved Sub-Publisher in writing to contractual terms at least as protective of Market Bullet, Lenders, and consumers as this Agreement. You remain fully responsible and jointly and severally liable for all acts, omissions, representations, and breaches of your Sub-Publishers as if performed directly by you. Using any "blind" network or sub-source that conceals the originating domain or placement is a material breach of this Agreement.
12.1 Statutory Compliance. You will comply at all times with all Applicable Law, including without limitation:
12.2 Licenses & Registrations. You must obtain and maintain in good standing all licenses, registrations, filings (including state data-broker registrations where applicable), and bonds required for your business activities in every jurisdiction where you operate or target consumers, and provide copies to Market Bullet upon request.
12.3 No Consumer Fees & No FCRA Consumer Reports. You must never charge a consumer any fee to submit a loan inquiry or to be matched with a Lender. You must not obtain, append, transmit, or use any credit-bureau consumer report, credit score, prescreened credit list, or trigger lead under this Agreement without a separate signed FCRA Addendum establishing permissible purpose and certifications.
12.4 Notice of Complaints & Regulatory Inquiries. You must notify Market Bullet in writing within 1 Business Day (and in no event later than 2 Business Days) after receiving any material consumer complaint, TCPA or privacy demand letter, subpoena, civil investigative demand, lawsuit, regulatory inquiry, or ad-platform/carrier suspension relating to Traffic or Leads associated with the Program. You will cooperate fully with our investigation and will never make any admission, settlement, or representation on behalf of Market Bullet or any Lender without our prior written consent.
13.1 Binding Data Protection Schedule. Schedule 1 (Data Protection, Privacy & Evidence Schedule) is incorporated into and forms an integral part of this Agreement. You may process Consumer Data solely to perform your obligations under this Agreement in accordance with the consumer's affirmative consent and Applicable Law. You must never use Consumer Data to train, fine-tune, or populate any artificial intelligence (AI) or machine learning model.
13.2 Information Security Program (FTC Safeguards Standard). You must implement and maintain a comprehensive written information security program with administrative, technical, and physical safeguards that meet or exceed the FTC Standards for Safeguarding Customer Information (16 C.F.R. Part 314). At a minimum, you must:
13.3 Data Breach & Security Incident Notification (24-Hour Rule). You must notify Market Bullet in writing at [email protected] without undue delay—and no later than 24 hours—after discovering any actual or reasonably suspected unauthorized access to, acquisition, disclosure, or loss of Consumer Data or API/portal credentials related to the Program. You will immediately contain the incident, preserve forensic evidence, cooperate with Market Bullet, and bear all costs of investigation, forensic review, regulatory notifications, consumer notices, and credit monitoring resulting from a security incident within your or your Sub-Publishers' systems. You will not issue any public or consumer notice naming Market Bullet or any Lender without our prior written approval unless required by law to act sooner.
14.1 Earning Compensation. Subject to Sections 14 and 15, Market Bullet will pay you for valid, payable Traffic and Sold Leads delivered in compliance with this Agreement at the rates set forth in your Campaign Terms or, for dynamic Ping/Post Campaigns, at the confirmed payout price returned in Market Bullet's Post acceptance response. Payouts are fixed commercial amounts and not a revenue share of Lender proceeds unless expressly stated in your Campaign Terms.
14.2 Platform Records & Statement Disputes. Market Bullet's tracking and lead distribution platform is the official system of record for calculating clicks, Sold Leads, returns, and payouts. Within 10 days after the end of each calendar month, we will make your monthly statement available in the Publisher Portal. If you dispute any statement calculation in good faith, you must submit a written dispute notice with supporting transaction logs (Sub-IDs, transaction IDs, and timestamps) within 15 Business Days after the statement is posted. Market Bullet will review your supporting logs in good faith and resolve any verified discrepancy. Undisputed amounts remain payable on schedule.
14.3 Payment Schedule & Minimum Threshold. Unless your Campaign Terms specify a shorter payment cycle (such as weekly or bi-weekly), Market Bullet pays undisputed net earnings within 30 days after the end of each calendar month (Net-30), minus applicable returns, reversals, and offsets under Section 15. Your account balance must reach a minimum payout threshold of $100.00 USD; balances below $100.00 roll over to the next payment cycle (and any remaining undisputed balance is paid in the regular cycle following account termination).
14.4 Payment Methods & Taxes. Payments are made in U.S. dollars via your verified payment method on file in the Publisher Portal (ACH/Wire bank transfer, PayPal Business, or verified USDC wallet). You are responsible for any wire, intermediary bank, or network transaction fees and for the accuracy of your payment instructions. Before receiving your first payout, you must submit a valid IRS Form W-9 (for U.S. persons/entities) or IRS Form W-8BEN / W-8BEN-E (for non-U.S. persons/entities) and pass onboarding KYC verification. You are solely responsible for all taxes on your compensation.
14.5 Non-Payable Activity. No compensation is owed for Invalid Traffic, rejected Leads, expired Pings/Posts, duplicate Leads, Leads missing valid Consent Certificates or Consent Records, unredirected Sold Leads below the required redirect threshold, activity delivered prior to written Campaign approval or after termination/pause notice, or any Traffic or Lead generated in breach of this Agreement.
15.1 Ordinary Lead & Traffic Returns (30-Day Window). Within 30 calendar days after delivery (or the return window specified in your Campaign Terms), Market Bullet may return a Sold Lead or reverse credit for paid Traffic if a Lender returns it or if we determine it failed to meet the requirements of this Agreement at submission—including false, fabricated, or incomplete consumer data; a disconnected or invalid phone number; a consumer who states they did not submit the loan request; a duplicate submission; an underage consumer or consumer outside approved states; missing or defective Consent Records; a failed browser redirect; or any return reason permitted under the Campaign Terms.
15.2 Fraud & Compliance Reversals (12-Month Window). Notwithstanding the 30-day ordinary return window, if we discover that any Traffic or Lead involved fraud, bot/script generation, fabricated data, lack of valid consumer consent, a missing or falsified Consent Certificate, an unapproved Sub-Publisher, or a material violation of Applicable Law, Market Bullet may reverse and claw back the payout at any time within 12 months after delivery.
15.3 Returned Lead Data Quarantine. When a Sold Lead is returned and credited/refunded to Market Bullet, Market Bullet terminates its commercial use of that Lead payload in accordance with Schedule 1, and neither party may resell or market to any Lead that lacked valid consumer consent or was unlawfully collected.
15.4 Payment Holds & Reserves During Investigation. If Market Bullet reasonably suspects fraud, Invalid Traffic, invalid consent, or a material breach of this Agreement, or receives a third-party demand, regulatory inquiry, or Lender chargeback notice linked to your Traffic or Leads, we may immediately pause your account or affected Sub-IDs and withhold payment of reasonably affected funds pending investigation. We review payment holds every 30 days and aim to complete investigations within 90 days, provided that we may maintain a reserve for the duration of any open third-party claim, lawsuit, or regulatory proceeding.
15.5 Offsets, Invoice Repayment & Fraud Forfeiture. Market Bullet may deduct and offset any returns, reversals, chargebacks, or indemnification amounts you owe us against any current or future payments due to you. If your unpaid balance is insufficient to cover the amount owed, you must pay Market Bullet the remaining balance within 10 Business Days of our written invoice. If you or your Sub-Publisher knowingly or systematically deliver fraudulent Traffic, bot traffic, or Leads with falsified consent, you forfeit all unpaid earnings associated with the affected Campaigns and Sub-IDs, without prejudice to Market Bullet's other legal remedies.
16.1 Ongoing Monitoring. Market Bullet may monitor your websites, ads, pre-landers, Publisher Forms, and traffic sources at any time using automated compliance crawlers, mystery-shopping test submissions (using synthetic data), and third-party verification tools. You must maintain a complete, up-to-date list of all live promotional URLs and domains in your Publisher Portal.
16.2 Information Requests. Within 2 Business Days after our request, you must provide a complete breakdown of your traffic sources by Sub-ID, copies of all ads and Publisher Forms, Consent Records, opt-in logs, and written Sub-Publisher agreements.
16.3 Audit Rights. Upon 5 Business Days' written notice (or shorter notice in the event of a credible regulatory inquiry, data incident, or suspected fraud), Market Bullet or its independent auditor bound by confidentiality may audit your relevant records, consent logs, traffic sources, and compliance controls during normal business hours (remotely or on-site). Market Bullet bears the cost of routine audits unless the audit reveals a material breach of this Agreement or an overpayment exceeding 5%, in which case you must reimburse our reasonable audit costs and repay the discrepancy within 10 Business Days.
16.4 Five-Year Record Retention. You must preserve all compliance records required by this Agreement—including Consent Records (Section 7.3), archived versions of all advertisements and Publisher Forms, telemarketing/email opt-in and scrubbing logs, and Sub-Publisher contracts—for at least 5 years following the delivery of the applicable Traffic or Lead (or longer if required by Applicable Law or a legal hold), while deleting unnecessary raw sensitive financial fields as required by Schedule 1.
17.1 Term. This Agreement takes effect the moment you accept it (as described at the top of this Agreement) and remains in force until terminated by either party.
17.2 Termination & Suspension. You may terminate this Agreement or stop participating in any Campaign upon 3 Business Days' written notice to your Affiliate Manager. Market Bullet may suspend or terminate this Agreement, your account, any Campaign, or any Sub-ID at any time, with or without cause, effective immediately upon written or portal notice.
17.3 Effects of Termination. Upon termination or suspension:
18.1 Confidential Information. "Confidential Information" means any non-public business, commercial, technical, financial, or operational information disclosed by one party to the other in connection with the Program, including Campaign Terms, payout rates, bid pricing, Lender identities and underwriting criteria, Posting Specifications, API keys, portal interfaces, suppression lists, and conversion/performance analytics. All Consumer Data contained in a Sold Lead or collected on a Company Site is the Confidential Information of Market Bullet.
18.2 Protection & Permitted Disclosures. The receiving party will: (a) use Confidential Information solely to perform this Agreement, (b) protect it using at least the same degree of care it uses to protect its own confidential information (and never less than reasonable care), and (c) disclose it only to its employees, contractors, professional advisors, and (in Market Bullet's case) Lenders, verification vendors, and regulators who have a legitimate need to know and are bound by confidentiality obligations.
18.3 Exceptions & Compelled Disclosure. Confidential Information excludes information that the receiving party can prove by written records: (a) is or becomes publicly available without breach of this Agreement, (b) was lawfully known to the receiving party prior to disclosure, (c) was independently developed without reference to the disclosing party's Confidential Information, or (d) was rightfully received from a third party without confidentiality restrictions. If required by subpoena, court order, or regulator to disclose Confidential Information, the receiving party will provide prompt advance written notice (where legally permitted) and disclose only the minimum required portion.
18.4 Duration. Confidentiality obligations remain in effect during the term of this Agreement and for 5 years thereafter, and indefinitely with respect to trade secrets and Consumer Data for so long as retained.
During the term of this Agreement and for 12 months following its termination, you will not knowingly use Market Bullet's Confidential Information (including Lender identities learned through Redirect URLs, Post responses, Consent Language partner lists, reports, or introductions by our team) to bypass Market Bullet and directly or indirectly solicit, sell Leads or Traffic to, or enter into a competing lead-generation relationship with any Lender you learned of through the Program. This restriction does not apply to any Lender with whom you can demonstrate, through contemporaneous written records predating your participation in the Program, that you already had a direct, active commercial relationship without use of Market Bullet's Confidential Information.
20.1 Limited License. During an active Campaign, Market Bullet grants you a limited, revocable, non-exclusive, non-transferable, non-sublicensable license to use our assigned Tracking Links, approved creatives, and Consent Language solely to perform approved Campaigns under this Agreement. You may not modify our materials or reverse-engineer, scrape, probe, or overload our portal or API infrastructure.
20.2 Ownership. Market Bullet retains all right, title, and interest in and to the Company Sites, Tracking Links, platform software, API, Posting Specifications, Market Bullet trademarks, Sold Leads, and all data collected on Company Sites. You retain ownership of your pre-existing technology, websites, and Publisher Forms. Neither party may issue any press release, case study, or public announcement naming the other party or any Lender without prior written consent.
21.1 Mutual Representations. Each party represents and warrants that: (a) it is duly organized, validly existing, and in good standing, (b) it has full power and authority to enter into and perform this Agreement, and (c) this Agreement constitutes its valid, legal, and binding obligation.
21.2 Publisher Representations and Warranties. You represent, warrant, and covenant upon registration and each time you deliver Traffic or a Lead that:
21.3 Warranty Disclaimer. EXCEPT AS EXPRESSLY SET FORTH IN THIS AGREEMENT, THE PROGRAM, COMPANY SITES, PUBLISHER PORTAL, TRACKING LINKS, API, AND ALL MATERIALS ARE PROVIDED "AS IS" AND "AS AVAILABLE." MARKET BULLET DISCLAIMS ALL EXPRESS, IMPLIED, AND STATUTORY WARRANTIES, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, NON-INFRINGEMENT, UNINTERRUPTED OR ERROR-FREE OPERATION, AND ANY WARRANTY REGARDING CONVERSION RATES, BID PRICES, OR EARNINGS.
22.1 Publisher Indemnification. You will defend, indemnify, and hold harmless Market Bullet, its parent, subsidiaries, and affiliates, each participating Lender (Buyer) that receives or purchases Traffic or Leads supplied by you, and each of their respective members, managers, officers, directors, employees, agents, successors, and assigns (each, an "Indemnified Party") from and against any and all third-party or regulatory claims, demands, actions, investigations, lawsuits, arbitrations, losses, liabilities, damages, judgments, civil penalties, statutory damages, fines, approved settlements, and reasonable attorneys' fees and defense costs (collectively, "Losses") arising out of or relating to:
(Exception: Your indemnification obligation does not apply to the extent a Loss is caused solely and directly by Market Bullet's or a Lender's own independent unlawful conduct after receiving a compliant Lead or referral from you.)
22.2 Defense & Settlement Procedure. Market Bullet will notify you in writing of any indemnified claim (provided that a delay in notice relieves you of your obligations only to the extent the delay materially prejudices the defense). You will promptly assume the defense using qualified legal counsel reasonably acceptable to Market Bullet. Any Indemnified Party may participate in the defense with counsel of its own choice at its own expense. However, for any putative class action, regulatory investigation or enforcement action, or claim asserted directly against a Lender, Market Bullet (or the affected Lender) may elect at any time to assume and control the defense and settlement at your reasonable expense. You may not settle or compromise any claim without Market Bullet's prior written consent if the settlement admits fault or liability on the part of any Indemnified Party, imposes any injunctive or non-monetary obligation on any Indemnified Party, or fails to include a full and unconditional release of all Indemnified Parties.
22.3 Lenders as Third-Party Beneficiaries. Each Lender that purchases or receives Traffic or Leads supplied by you is an intended third-party beneficiary of this Section 22 with the right to enforce its protections directly against you.
23.1 Exclusion of Consequential Damages. TO THE MAXIMUM EXTENT PERMITTED BY LAW, IN NO EVENT WILL MARKET BULLET BE LIABLE TO YOU FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR FOR ANY LOSS OF PROFITS, REVENUE, GOODWILL, DATA, OR BUSINESS OPPORTUNITIES, ARISING OUT OF OR RELATED TO THIS AGREEMENT OR THE PROGRAM, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.
23.2 Liability Cap. TO THE MAXIMUM EXTENT PERMITTED BY LAW, MARKET BULLET'S TOTAL AGGREGATE LIABILITY TO YOU FOR ALL CLAIMS OF ANY KIND ARISING OUT OF OR RELATED TO THIS AGREEMENT OR THE PROGRAM (WHETHER IN CONTRACT, TORT, NEGLIGENCE, STATUTE, OR OTHERWISE) WILL NOT EXCEED THE TOTAL NET PAYOUTS ACTUALLY PAID BY MARKET BULLET TO YOU UNDER THIS AGREEMENT DURING THE SIX (6) MONTHS IMMEDIATELY PRECEDING THE FIRST EVENT GIVING RISE TO THE CLAIM (OR $5,000.00 USD IF NO PAYOUTS WERE PAID DURING THAT PERIOD).
23.3 Scope. The limitations in this Section 23 apply notwithstanding any failure of essential purpose of any limited remedy and form a fundamental basis of the bargain between the parties. Nothing in this Section 23 limits or caps your indemnification obligations under Section 22, your payment/return obligations under Section 15, or your liability for fraud, willful misconduct, breach of confidentiality, or breach of data security/privacy obligations under Section 13 and Schedule 1.
Upon Market Bullet's written request (including for high-volume Lead Posting Campaigns), you will maintain at your own expense: (a) Cyber and Privacy Liability Insurance and (b) Commercial General / Media / Errors & Omissions (E&O) Liability Insurance, each with limits of not less than $1,000,000 USD per claim and in the aggregate, issued by insurers rated A- or better by A.M. Best. Upon request, you will provide certificates of insurance naming Market Bullet LLC as an additional insured.
25.1 Governing Law. This Agreement and any dispute arising out of or relating to it or the Program are governed by the laws of the Commonwealth of Puerto Rico, without regard to its conflict-of-laws principles, except that the Federal Arbitration Act (9 U.S.C. § 1 et seq.) governs the interpretation and enforcement of this arbitration provision.
25.2 Mandatory 30-Day Informal Dispute Resolution. Before initiating arbitration, the complaining party must send a written Notice of Dispute to the other party describing the nature and basis of the claim and the specific relief sought. The parties will attempt in good faith to resolve the dispute informally through authorized representatives for 30 calendar days after receipt of the notice.
25.3 Binding Arbitration. If a dispute is not resolved within 30 days under Section 25.2, any dispute, claim, or controversy arising out of or relating to this Agreement, its breach, termination, enforcement, interpretation, or validity, or your participation in the Program, will be resolved exclusively by final and binding individual arbitration administered by the American Arbitration Association ("AAA") in accordance with its Commercial Arbitration Rules before a single neutral arbitrator. The legal seat of arbitration will be San Juan, Puerto Rico, the proceedings will be conducted in English, and hearings may be conducted remotely via videoconference by agreement of the parties or direction of the arbitrator. The arbitrator will issue a reasoned written award and may grant any individual relief available under this Agreement and Applicable Law. Judgment on the arbitration award may be entered in any court having jurisdiction.
25.4 Equitable & Provisional Court Relief. Notwithstanding Section 25.3, either party may apply to the Commonwealth or federal courts located in San Juan, Puerto Rico (including the U.S. District Court for the District of Puerto Rico) for a temporary restraining order, preliminary injunction, or other provisional equitable relief to protect Confidential Information, Consumer Data, intellectual property, or non-circumvention rights under Section 19, without waiving the right to arbitrate all other claims and without posting a bond where permitted by law. Each party irrevocably submits to the exclusive personal jurisdiction and venue of those courts for such proceedings and for any judicial proceeding to compel arbitration or confirm an award.
25.5 CLASS-ACTION WAIVER & JURY-TRIAL WAIVER. ALL ARBITRATIONS AND COURT PROCEEDINGS UNDER THIS AGREEMENT MUST BE CONDUCTED SOLELY ON AN INDIVIDUAL BASIS. NEITHER YOU NOR MARKET BULLET MAY BRING OR PARTICIPATE IN ANY CLAIM AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS, COLLECTIVE, CONSOLIDATED, PRIVATE ATTORNEY GENERAL, OR REPRESENTATIVE PROCEEDING. THE ARBITRATOR MAY NOT CONSOLIDATE MORE THAN ONE PERSON'S OR ENTITY'S CLAIMS WITHOUT THE WRITTEN CONSENT OF ALL AFFECTED PARTIES. EACH PARTY IRREVOCABLY WAIVES ANY RIGHT TO A TRIAL BY JURY.
25.6 Attorneys' Fees. The prevailing party in any arbitration or court proceeding to enforce this Agreement is entitled to recover its reasonable attorneys' fees, expert costs, and arbitration/court fees.
26.1 Independent Contractors. The parties are independent contractors. Nothing in this Agreement creates an employment, agency, partnership, joint venture, or fiduciary relationship between you and Market Bullet or any Lender.
26.2 Assignment. You may not assign, transfer, or delegate this Agreement or your Publisher account (including by operation of law, merger, or change of control) without Market Bullet's prior written consent. Market Bullet may freely assign or transfer this Agreement to any affiliate or to a successor in connection with a merger, reorganization, or sale of all or substantially all of its business or assets.
26.3 Notices. Market Bullet may deliver operational and legal notices to you by email to the email address registered in your Publisher account or by posting a notice in your Publisher Portal, effective upon sending or posting. You must send all legal notices to Market Bullet by email to [email protected] with a physical copy sent via recognized overnight courier (FedEx, UPS, or DHL) to: Market Bullet LLC, 53 Palmeras St., Suite 601, San Juan, PR 00901, Puerto Rico.
26.4 Entire Agreement. This Agreement (including Schedule 1 and Schedule 2), together with your online registration application, the Campaign Terms in your Publisher Portal, any active Insertion Orders, and our Privacy Policy, constitutes the entire agreement between you and Market Bullet regarding the Program and supersedes all prior or contemporaneous understandings or agreements regarding Traffic and Leads delivered after you accept this Agreement.
26.5 Severability & No Waiver. If any provision of this Agreement is held invalid or unenforceable, that provision will be enforced to the maximum extent permissible and the remaining provisions will remain in full force and effect (provided that if the class-action waiver in Section 25.5 is found unenforceable as to a specific claim, that claim must be litigated in the designated court in San Juan, Puerto Rico, and never in class arbitration). No failure or delay by either party in exercising any right constitutes a waiver of that right.
26.6 Force Majeure. Neither party is liable for delays or failures in performance (other than payment or data-security/breach notification obligations) caused by events beyond its reasonable control, including internet or telecommunications backbone failures, DDoS attacks, natural disasters, acts of war, or government actions.
26.7 Survival. Sections 2, 5.4, 6.8, 7, 10.4, 11.2, 12.4, 13, 14.2, 14.5, 15, 16, 17.3, 18 through 26, and Schedule 1 survive the expiration or termination of this Agreement.
26.8 Interpretation. Section headings are for convenience only. The word "including" means "including without limitation." This Agreement is drafted in English, and the English text controls for all purposes.
26.9 Electronic Signatures & Click-Through Binding Effect (E-SIGN Act). You consent to transact business electronically and to receive all notices, disclosures, and agreements electronically. Under the federal Electronic Signatures in Global and National Commerce Act (E-SIGN Act, 15 U.S.C. § 7001 et seq.) and applicable state electronic transaction laws, your act of checking the acceptance box, clicking "Submit" or "I Agree," or delivering Traffic or Leads constitutes your valid, legally binding electronic signature to this Agreement with the same legal force and effect as a handwritten ink signature.
This Schedule 1 is binding on both parties and governs all Consumer Data (Lead Data) processed in connection with Traffic Referrals, Pings, Posts, Sold Leads, rejected Leads, and retained compliance records.
Each party acts as an independent business / data controller with respect to the Consumer Data processing purposes and means it independently determines. Consumer Data may be collected, used, and transferred solely for:
Strict Prohibitions: Neither party may use Consumer Data from the Program for unrelated cross-selling, sale to unauthorized third-party data brokers, debt collection on unrelated obligations, or training, testing, or fine-tuning artificial intelligence (AI) or large language models.
To the extent any disclosure of Consumer Data is governed by the California Consumer Privacy Act / California Privacy Rights Act (California Civil Code § 1798.100(d)) or analogous state privacy statutes (including Virginia, Colorado, Connecticut, Texas, Oregon, Delaware, and others):
Each party must maintain a compliant consumer privacy request intake process (access, deletion, correction, and opt-out of sale/sharing) and honor recognized browser Global Privacy Control (GPC) / universal opt-out preference signals where required by Applicable Law. Where a party's activities classify it as a regulated "data broker" under California (including the California Delete Act / DROP platform requirements), Texas, Oregon, Vermont, or other state laws, that party is solely responsible for maintaining its required data-broker registrations and deletion-platform integrations.
For Publishers participating in the Lead Posting Program, the current Campaign-specific Consent Language provided in your Publisher Portal controls. Unless your Affiliate Manager provides Campaign-specific wording, every Publisher Form must display the following standard disclosure structure directly above the submit button (where your registered legal entity name, links to your Terms of Use and Privacy Policy, your submit button text, and the live hyperlink to Market Bullet's current Partner List are dynamically rendered on your form):
By clicking the submit button below, I agree to the Terms of Use and Privacy Policy of this website, and I authorize the operator of this website to share my information with Market Bullet LLC and its network of participating lenders and financial services partners listed on the Market Bullet Partner List (collectively, the "Partners") to evaluate my loan inquiry and match me with financial products. I also provide my prior express written consent and electronic signature under the E-SIGN Act authorizing this website operator and the Partners to contact me regarding loans and related financial services at the telephone number and email address I provided above—including via live calls, automated telephone dialing systems (autodialers), SMS/MMS text messages, and prerecorded or artificial voice messages—even if my telephone number is currently listed on any federal, state, or corporate Do-Not-Call registry. I understand that my consent is not required as a condition of purchasing any goods or services or obtaining a loan, that message and data rates may apply, that message frequency varies, and that I may reply STOP to opt out of text messages at any time. I further authorize the Partners to obtain my consumer credit report and verify my information with consumer reporting agencies to evaluate my loan request.
Contact Information for Legal & Compliance Inquiries:
Market Bullet LLC
53 Palmeras St., Suite 601, San Juan, PR 00901, Puerto Rico
Email: [email protected]
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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