Terms & Conditions

Effective: January 01, 2023

MLDAFinancial.com and its owner and operator (“MLDAFinancial.com,” “we,” “us,” or “our”) provides our loan referral services (described below) and related content to you through our website(s) located at MLDAFinancial.com (the “Site”) and through our mobile applications and related application technologies (“Mobile Apps”, and collectively, such Mobile Apps) and the Site, including any updated or new features, functionality and technology, the “Service”). All access and use of the Service is subject to the terms and conditions contained in these Terms and Conditions of Use (as amended from time to time, the “Terms”). By accessing, browsing, or otherwise using this Site, Mobile Apps, or any other aspect of the Service, you acknowledge that you have read, understood, and agree to be bound by these Terms. If you do not accept the terms and conditions of these Terms, you will not access, browse, or otherwise use the Service.

PLEASE READ THESE TERMS & CONDITIONS OF USE CAREFULLY, AS THEY CONTAIN AN AGREEMENT TO ARBITRATE AND OTHER IMPORTANT INFORMATION REGARDING YOUR LEGAL RIGHTS, REMEDIES, AND OBLIGATIONS. THE AGREEMENT TO ARBITRATE REQUIRES (WITH LIMITED EXCEPTION) THAT YOU SUBMIT CLAIMS YOU HAVE AGAINST US TO BINDING AND FINAL ARBITRATION, AND FURTHER (1) YOU WILL ONLY BE PERMITTED TO PURSUE CLAIMS AGAINST US ON AN INDIVIDUAL BASIS, NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY CLASS OR REPRESENTATIVE ACTION OR PROCEEDING, (2) YOU WILL ONLY BE PERMITTED TO SEEK RELIEF (INCLUDING MONETARY, INJUNCTIVE, AND DECLARATORY RELIEF) ON AN INDIVIDUAL BASIS, AND (3) YOU MAY NOT BE ABLE TO HAVE ANY CLAIMS YOU HAVE AGAINST US RESOLVED BY A JURY OR IN A COURT OF LAW.

TERMS AND CONDITIONS

Loan Referral Service

Our loan referral service (the “Service”) connects you with prospective lenders participating in our network (the “Lender Partners”). To use the Service, you must complete an online request form and or applications that requests personal information from you, including your name, address, telephone number, email address, social security number, bank account information, and employment information. Please review our privacy policy at Privacy Policy (“Privacy Policy”). The terms of the Privacy Policy are incorporated into and considered a part of these Terms of Use.

Credit Decisions

MLDAFinancial.com is not a lender and does not make loans or credit decisions. MLDAFinancial.com does not guarantee that any Lender Partner will offer you a loan or that any loan offer will contain any specific loan terms or conditions. MLDAFinancial.com does not guarantee that the amount, product, rates, charges, or any other loan terms offered and made available by Lender Partners through the Service are the best terms available in the market.

Once you submit a Request or Application Form, MLDAFinancial.com shares your information with our Lender Partners. By submitting a Request Form, you understand and agree that you are requesting loan offers from Lender Partners. You are also agreeing that MLDAFinancial.com and the Lender Partners may contact you by email, telephone, SMS, and direct mail, so that they may assist in processing your Request or provide information to you about additional offers now or in the future.

Lender Partners who receive your Request review your information in real-time to determine whether your information meets the Lender Partner’s underwriting criteria. Lender Partners may use your Request information to perform a credit check. This credit check may be a formal credit inquiry which leaves a record on your credit report and may affect your credit score. Or it could be an informal inquiry which will not affect your credit score. These credit checks may be performed through TransUnion, Equifax, or Experian or they may be performed through other alternative credit reporting agencies or data aggregators (such as Teletrack, Microbilt, Realtrack, DP Bureau, or DataX) that track consumer transactions with lending institutions. By submitting your Request Form, you agree to allow Lender Partners to review, verify, and determine your information in such a manner.

If a Lender Partner determines that your Request meets its underwriting criteria, your browser will be redirected to the lender’s website. You understand and agree that, once you have been redirected to the lender’s website, MLDAFinancial.com has no further involvement in the loan registration or decision process. Your interactions with the lender are subject to privacy policy, terms of use, and other policies or terms enforced by their lender.

Control over Features, Functions, and Access to the Service

MLDAFinancial.com may change any contents, features, or functions of the Service without prior notice. MLDAFinancial.com may deny you access to all or part of the Service without prior notice if you engage in any conduct or activities that MLDAFinancial.com determines, in its sole discretion, violate these Terms, the rights of MLDAFinancial.com or any third party, or is otherwise inappropriate. MLDAFinancial.com is not responsible for any errors or delays in providing Service caused by errors in the Request Form information provided by you or by any technical problems beyond its reasonable control.

Accuracy

You state that the information you provide to MLDAFinancial.com, and ultimately, Lender Partners, through your Request Form is accurate and truthful. If the information in your Request Form is not accurate and truthful, MLDAFinancial.com may deny, suspend, or terminate your use of the Service.

 

Disclaimers and Limitations

THE WEBSITE AND THE CONTENTS, SOFTWARE, PRODUCTS, AND SERVICES ASSOCIATED WITH IT ARE PROVIDED “AS IS.” MLDAFinancial.com EXPRESSLY DISCLAIMS ANY WARRANTY OF ANY KIND, WHETHER EXPRESS OR IMPLIED, AS TO ANY MATTER WHATSOEVER RELATING TO THE WEBSITE AND ANY INFORMATION, SOFTWARE, PRODUCTS, OR SERVICES PROVIDED HEREIN, INCLUDING WITHOUT LIMITATION THE WARRANTIES OF TITLE, NON-INFRINGEMENT, MERCHANTABILITY, OR FITNESS FOR A PARTICULAR PURPOSE.

MLDAFinancial.com MAKES NO WARRANTY AS TO THE RESULTS THAT MAY BE ACHIEVED BY USING THE WEBSITE AND CONTENTS, SOFTWARE, PRODUCTS AND SERVICES ASSOCIATED WITH IT. USE OF THE WEBSITE OR THE SERVICE IS AT YOUR OWN RISK.

MLDAFinancial.com DOES NOT ENDORSE OR RECOMMEND THE PRODUCTS OF ANY PARTICULAR LENDER. MLDAFinancial.com IS NOT AN AGENT OF YOU OR ANY PARTICIPATING LENDER MLDAFinancial.com IS NOT INVOLVED WITH THE LENDER’S USE OR REVIEW OF YOUR REQUEST FORM INFORMATION OR IN MAKING A DETERMINATION ABOUT WHETHER YOU MEET A PARTICULAR LENDER’S UNDERWRITING CRITERIA. THE LENDER IS SOLELY RESPONSIBLE FOR ITS SERVICES TO YOU, AND YOU AGREE THAT MLDAFinancial.com WILL NOT BE LIABLE FOR ANY DAMAGES OR COSTS OF ANY TYPE ARISING OUT OF OR IN ANY WAY CONNECTED WITH YOUR USE OF THE SERVICE. YOU UNDERSTAND THAT LENDER PARTNERS MAY KEEP YOUR REQUEST FORM INFORMATION, WHETHER OR NOT YOU ARE QUALIFIED FOR A LOAN WITH THEM.

MLDAFinancial.com OR THE LENDER PARTNERS OR ADVERTISERS OR ANY OF THEIR OFFICERS, DIRECTORS, AGENTS, AFFILIATES, EMPLOYEES, SUCCESSORS, ASSIGNS, CONTENT PROVIDERS, OR SERVICE PROVIDERS WILL NOT BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL, OR PUNITIVE DAMAGES OR OTHER INJURY ARISING OUT OF OR IN ANY WAY CONNECTED WITH THE USE OF THE WEBSITE OR THE SERVICE OR WITH THE DELAY OR INABILITY TO USE THE WEBSITE, OR FOR ANY INFORMATION, SOFTWARE, PRODUCTS, OR SERVICES OBTAINED THROUGH THE WEBSITE, OR OTHERWISE ARISING OUT OF THE USE OF THE WEBSITE, WHETHER RESULTING IN WHOLE OR IN PART, FROM BREACH OF CONTRACT, TORTIOUS BEHAVIOR, NEGLIGENCE, STRICT LIABILITY, OR OTHERWISE, EVEN IF MLDAFinancial.com OR THE LENDER PARTNERS HAVE BEEN ADVISED OF THE POSSIBILITY OF DAMAGES.

Links to Third Parties

The Website may contain links to other websites operated by Lender Partners or other third parties. These links are provided for your convenience and reference only. MLDAFinancial.com does not operate or control in any respect any information, contents, software, products, or services available on such third-party sites MLDAFinancial.com inclusion of a link to a website does not imply any endorsement of the services or the site, its contents, or its sponsoring organization.

Indemnity

As a condition of using our Services, you agree to indemnify MLDAFinancial.com and the Lender Partners from and against all liabilities, expenses (including attorney’s fees) and damages arising out of claims resulting from your use of the Website, including any claims alleging facts that if true would constitute a breach by you of these Terms.

 

Electronic Disclosure

By Submitting your Request Form and or Applications you agree to receive notifications, disclosures, and other documents and communications both from MLDAFinancial.com and from our Lender Partners and or Affiliates. If you are connected to a Lender Partner, that lender may require you to execute an electronic loan contract. This electronic loan contract will be as binding as a loan contract in paper form. And your electronic signature will be as valid as a physical signature on a paper loan contract.

Additionally, the lender may require you to access documents related to a loan, including your loan contract. By Submitting your application, you agree to this form of access.

The lender may allow you to withdraw your consent to electronic disclosures. Please contact the lender with whom you were connected to learn more about this process. Please note, however, that not consenting to receive electronic disclosures may affect your ability to receive a loan from a Lender Partner

Dispute Resolution by Binding Arbitration

1. Agreement to Arbitrate

This Dispute Resolution by Binding Arbitration section is referred to in these Terms as the “Arbitration Agreement.” You agree that any and all disputes or claims that have arisen or may arise between you and MLDAFinancial.com, whether arising out of or relating to these Terms (including any alleged breach thereof), the Service, any advertising, or any aspect of the relationship or transactions between us, will be resolved exclusively through final and binding arbitration, rather than a court, in accordance with the terms of this Arbitration Agreement, except that you may assert individual claims in small claims court, if your claims qualify. Further, this Arbitration Agreement does not preclude you from bringing issues to the attention of federal, state, or local agencies, and such agencies can, if the law allows, seek relief against us on your behalf. You agree that, by entering these Terms, you and MLDAFinancial.com are each waiving the right to a trial by jury or to participate in a class action. Your rights will be determined by a neutral arbitrator, not a judge or jury. The Federal Arbitration Act governs the interpretation and enforcement of this Arbitration Agreement.

1. Prohibition of Class and Representative Actions and Non-Individualized Relief

YOU AND MLDAFinancial.com AGREE THAT EACH OF US MAY BRING CLAIMS AGAINST THE OTHER ONLY ON AN INDIVIDUAL BASIS AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS OR REPRESENTATIVE ACTION OR PROCEEDING. UNLESS BOTH YOU AND MLDAFinancial.com AGREE OTHERWISE, THE ARBITRATOR MAY NOT CONSOLIDATE OR JOIN MORE THAN ONE PERSON’S OR PARTY’S CLAIMS AND MAY NOT OTHERWISE PRESIDE OVER ANY FORM OF A CONSOLIDATED, REPRESENTATIVE, OR CLASS PROCEEDING. ALSO, THE ARBITRATOR MAY AWARD RELIEF (INCLUDING MONETARY, INJUNCTIVE, AND DECLARATORY RELIEF) ONLY IN FAVOR OF THE INDIVIDUAL PARTY SEEKING RELIEF AND ONLY TO THE EXTENT NECESSARY TO PROVIDE RELIEF NECESSITATED BY THAT PARTY’S INDIVIDUAL CLAIM(S), EXCEPT THAT YOU MAY PURSUE A CLAIM FOR AND THE ARBITRATOR MAY AWARD PUBLIC INJUNCTIVE RELIEF UNDER APPLICABLE LAW TO THE EXTENT REQUIRED FOR THE ENFORCEABILITY OF THIS PROVISION.

1. Pre-Arbitration Dispute Resolution

We are always interested in resolving disputes amicably and efficiently, and most customer concerns can be resolved quickly and to the customer’s satisfaction by communication at service@MLDAFinancial.com.  If such efforts prove unsuccessful, You and MLDAFinancial.com agree that a party who intends to seek arbitration must first send to the other, by certified mail, a written Notice of Dispute (“Notice”). The Notice to MLDAFinancial.com should be sent to 1904 N. Decatur Blvd., Las Vegas, NV 89108. During the arbitration, the amount of any settlement offer made by MLDAFinancial.com or you will not be disclosed to the arbitrator until after the arbitrator determines the amount, if any, to which you or MLDAFinancial.com is entitled.

1. Arbitration Procedures

Unless you and MLDAFinancial.com agree in writing to proceed before a different arbitral body and/or arbitral rules, any arbitration between you and US will be conducted by a neutral arbitrator in accordance with the American Arbitration Association’s (“AAA”) rules and procedures, including the AAA’s Consumer Arbitration Rules (collectively, the “AAA Rules”), as modified by this Arbitration Agreement. For information on the AAA, please visit its website, http://www.adr.org. Information about the AAA Rules and fees for consumer disputes can be found at the AAA’s consumer arbitration page, https://www.adr.org/consumer. If there is any inconsistency between any term of the AAA Rules and any term of this Arbitration Agreement, the applicable terms of this Arbitration Agreement will control unless the arbitrator determines that the application of the inconsistent Arbitration Agreement terms would not result in a fundamentally fair arbitration. The arbitrator must also follow the provisions of these Terms as a court would. All issues are for the arbitrator to decide, including issues relating to the scope, enforceability, and arbitrability of this Arbitration Agreement. Although arbitration proceedings are usually simpler and more streamlined than trials and other judicial proceedings, the arbitrator can award the same damages and relief on an individual basis that a court can award to an individual under these Terms and applicable law. Decisions by the arbitrator are enforceable in court and may be overturned by a court only for very limited reasons.

Unless MLDAFinancial.com and you agree otherwise, any arbitration hearings will take place in a reasonably convenient location for both parties with due consideration of their ability to travel and other pertinent circumstances. If the parties are unable to agree on a location, the determination will be made by AAA or the arbitrator. If your claim is for $10,000 or less, MLDAFinancial.com agrees that you may choose whether the arbitration will be conducted solely based on documents submitted to the arbitrator, through a telephonic hearing, or by an in-person hearing as established by the AAA Rules. If your claim exceeds $10,000, the right to a hearing will be determined by the AAA Rules. Regardless of the way the arbitration is conducted, the arbitrator will issue a reasoned written decision sufficient to explain the essential findings and conclusions on which the award is based.

Confidentiality

All aspects of the arbitration proceeding, and any ruling, decision, or award by the arbitrator, will be strictly confidential for the benefit of all parties.

Severability

If a court or the arbitrator decides that any term or provision of this Arbitration Agreement (other than the subsection (b) above titled “Prohibition of Class and Representative Actions and Non-Individualized Relief” above) is invalid or unenforceable, the parties agree to replace such term or provision with a term or provision that is valid and enforceable and that comes closest to expressing the intention of the invalid or unenforceable term or provision, and this Arbitration Agreement will be enforceable as so modified. If a court or the arbitrator decides that any of the provisions of subsection (b) above titled “Prohibition of Class and Representative Actions and Non-Individualized Relief” are invalid or unenforceable, then the entirety of this Arbitration Agreement will be null and void, unless such provisions are deemed to be invalid or unenforceable solely with respect to claims for public injunctive relief. The remainder of these Terms will continue to apply.

1. Future Changes to Arbitration Agreement

Notwithstanding any provision in these Terms to the contrary, MLDAFinancial.com agrees that if it makes any future change to this Arbitration Agreement (other than a change to the Notice Address) while you are a user of the Service, you may reject any such change by sending Get-LoansUSA.com written notice within thirty (30) calendar days of the change to the Notice Address provided above. By rejecting any future change, you are agreeing that you will arbitrate any dispute between us in accordance with the language of this Arbitration Agreement as of the date you first accepted these Terms (or accepted any subsequent changes to these Terms).

 

No Lawsuits Except for Small Claims Court Action and No Class Actions: In the event of a Dispute, except for the limited proceedings identified in and permitted by this Dispute Resolution Agreement, you agree that you will not file or participate in any lawsuit or other proceeding brought against us, whether on an individual basis or as a class action, including any class arbitration or other proceeding brought in a purported representative capacity on behalf of the general public or other persons similarly situated.

Your Right to File an Action in Small Claims Court: For all Disputes that fall within the dollar limits of Small Claims Court in the county of the state in which you reside, you and us agree you have the right to resolve that Dispute by filing an action against us in Small Claims Court in that county within 30 days of the expiration of the Dispute Resolution Period and pursuing that action to judgment in lieu of participating in Arbitration as described below.

Arbitration Requirements and Waiver of Right to Court Action and Jury Trial: If you and us are unable to resolve the Dispute through the Informal Dispute Resolution Requirements set forth above and the time set forth above for you to file an action in Small Claims Court has expired, the Dispute shall be shall be resolved solely and exclusively through individual (non-class) binding arbitration before one arbitrator. The arbitration shall be commenced and conducted by the American Arbitration Association in accordance with the Commercial Arbitration Rules including Supplementary Procedures for Consumer-Related Disputes (“AAA Arbitration Rules”) except in any instance in which the AAA Arbitration Rules conflict with this Dispute Resolution Agreement, in which case this Dispute Resolution Agreement shall control. You and us further agree that either of us may commence Arbitration, the arbitrator shall be appointed as provided in the AAA Arbitration Rules, and judgment on the award rendered by the arbitrator may be entered in any court having jurisdiction thereof. This clause shall not preclude any party from seeking provisional remedies in aid of arbitration from a court of appropriate jurisdiction. You and we waive any rights to use any other available procedures, including a court action, to resolve any Dispute, and waive any right to a jury trial for any Dispute.

Discovery; Arbitration Location; Arbitration Fees; Authority of Arbitrator: Consistent with the expedited nature of arbitration, each party will, within fifty (50) days of the written request of the other party, provide the other party with copies of documents on which the producing party may rely in support of or in opposition to any claim or defense. Any dispute regarding discovery, or the relevance or scope thereof, shall be determined by the arbitrator, which determination shall be conclusive. The place of the arbitration shall be agreed by both parties in writing. The arbitrator shall determine the scope and enforceability of this agreement to arbitrate, including whether a Dispute is subject to arbitration. The arbitrator has the authority to decide all issues of arbitrability, including where a party raises a defense to arbitration. The arbitrator may determine how the costs and expenses of the arbitration shall be allocated between the parties, but attorney’s fees shall not be awarded or considered a cost or expense of the arbitration. The arbitrator shall have no right or authority to award attorney’s fees or any exemplary or punitive damages.

Applicability of Federal Arbitration Act: This Arbitration Agreement is made pursuant to a transaction involving interstate commerce and you and us agree that the Federal Arbitration Act (FAA), 9 U.S.C. §§ 1-16 shall apply to its construction, interpretation, enforceability and enforcement.

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Privacy

Please review our privacy policy at Privacy Policy (“Privacy Policy”). The terms of the Privacy Policy are incorporated into and considered a part of these Terms of Use.

MLDAFinancial.com Notice for Electronic Signatures, Records, and Disclosures (“E-Consent”)

Please read this information carefully. To offer you a service, you may be required to use and accept electronic signatures, records, and disclosures. By accepting this E-Consent Notice, MLDAFinancial.com may interact with you electronically, including sending you electronic notices related to your interactions and transactions. By accepting this E-Consent Notice, you are also consenting to enter binding legal obligations via electronic signatures, which are as valid and binding as signatures on paper.

 

SMS Terms & Conditions

By providing a mobile phone number you are opting in to communications via SMS from MLDAFinancial.com and Lender Partners. These communications may include a follow-up SMS message containing a link to your completed loan Request Form, payment reminders from Lender Partners, and future offers.

For additional support: service@MLDAFinancial.com Message and Data Rates May Apply. Under no circumstances will MLDAFinancial.com be responsible for fees that your wireless carrier or other third parties may charge you for use of this service.

Messages may be delayed or undelivered for various factors. Carriers are not liable for delayed or undelivered messages.

Other Terms

These Terms constitute the entire agreement between you and MLDAFinancial.com These terms will be governed by the laws of Nevada without regard to its conflict of law principles. If any part of these Terms is determined unenforceable pursuant to applicable law, then the invalid and unenforceable provision will be deemed superseded by a valid and enforceable provision that most closely connects the intent of the original provision and the remainder of these Terms will remain in effect. Any failure by MLDAFinancial.com to exercise or enforce any right or provision of these Terms will not be deemed a waiver of such right or provision. MLDAFinancial.com may amend these Terms at any time by posting the amended terms on its website. All amended terms are automatically effective immediately upon posting.

 

E-Consent

E-Consent for Electronic Signatures, Records, Disclosures, Communication

It is important that you read and understand the information herein prior to submitting any information on the website or starting to do business electronically.

By giving your consent on the terms stated on the website and submitting your information via our online form, you agree that you have read this notice and understand how you can conduct transactions, communicate electronically, and use the service on the website, request to relate to a lender and further cooperate with loan providers online. Once you relate to a lender, you will need to give your consent (e-consent) to use e-signatures, accept electronic recording, disclosures and e-communication in order to be provided with the services and products you have expressed your interest in.

Hard Copies

You can request disclosures and other legal notices to be printed for the records at no charge. This request should be sent directly to the concerning lender (entities can keep hard copy legal documents according to the terms and provisions of the applicable law).

The Scopes of Consent

All communications, including but not limited to online interactions via mobile phone, smart phone, tablets are considered electronic interaction. E-consent is applied when e-communication, including by the means stated above, takes place between you and a third-party lender. The admission of e-consent implies that your information may be collected and processed electronically, transactions may be performed electronically, and documents may be signed and stored electronically. Additionally, your lender may send you electronic notifications, such as reports, disclosures, links to the other third-party websites, links to the other lender’s websites and online services.

By giving your e-consent you confirm that the e-communication mentioned above is considered of the same legal value as the communication by means of hard copy documentation.

NB: Conducting business electronically implies that the parties involved can go through processing with sufficient hardware and software facilities. Before deciding to give your e-consent you should check if your facilities fit the requirements for the transactions and operations you will need to perform electronically. These are the basic software and hardware requirements:

Software and hardware: A PC or any compatible computer or other device capable of accessing the Internet, e-mail account, Internet Browser software program that supports at least 128-bit encryption, such as Microsoft® Internet Explorer, Netscape® or Mozilla Firefox®, PDF file reader like Adobe® Acrobat Reader X ® or Foxit® etc. Take into consideration that different transactions may require additional facilities. You may need to contact your lender to get specifications on the facilities you may need.

Withdrawing Consent

Since your e-consent from our service and the processing of your information by our lenders is a one-time transaction, you cannot withdraw it. From the moment you are already connected with a third-party lender you can withdraw your consent from this lender at any time at no charge by sending the respective request. You should keep in mind that withdrawing your e-consent can prevent the lender from providing you with a loan offer or credit product. You should also keep in mind that the legal effectiveness, validity, and enforceability of prior electronic disclosures will not be affected if you request to withdraw your e-consent. You can contact your lender directly to find out more about the details of these procedures. It’s encouraged that if you change your information (electronic address, mailing address) you should notify your lender as soon as possible to have your information updated.

 

Questions

You may direct any questions concerning these Terms to:

MLDAFinancial.com

1904 N. Decatur Blvd,

Las Vegas, Nevada 89108

Service@MLDAFinancial.com