creditpack.org is not a lender and is not responsible for any lending product advertised or offered to you, or for any credit decisions made about you. No specific loan products are offered to you on this Site. Specific loan products are offered to you directly by the lender.2. ESIGN CONSENT
You agree that clicking “Get Cash Now” (or other such button you use to submit your loan request) acts as your electronic signature. You further consent that we and any lender we share your request with can communicate with you electronically and that any required disclosures may be provided to you electronically, including without limitation any notices of adverse action that a lender is required send to you. You also confirm that you have the ability to access documents electronically, including the ability to view and save PDF files.
3. LOAN INQUIRY POLICY
creditpack.org reserves the right to reject your inquiry at any time for any reason not prohibited by law. creditpack.org may require additional information or verification before your loan request is accepted. When you submit your information through a form on our Site, you will be connected with a lender for further consideration based on the lender’s policies and procedures. This does not mean your loan has been approved. Loan approval is solely the lender’s decision. creditpack.org is not responsible for taking, approving or denying your loan request. By submitting your information, you agree that if we cannot find a lender that can offer you the type of loan you initially requested, we will search our network of lenders to see if we can find other lenders with different loan products to help you.
4. CREDIT REFERENCES
Participating lenders may verify your social security number, driver’s license number or other federal or state identification, as well as review your credit worthiness through national databases that may include Equifax, Transunion, Experian and other credit bureaus. By submitting your information to us, you agree that lenders may obtain such credit reports and verify your information.
You must be 18 years or older and a legal resident of the United States to submit a loan request. You agree not to use this Site for any illegal or inappropriate activities.
6. COMPLIANCE WITH LAWS
7. INTELLECTUAL PROPERTY
The trademarks, titles, characters, trade names, graphics, designs and other properties, including all software, text and images appearing on this Site is the intellectual property of creditpack.org, its licensees, or other third parties who have authorized use of such properties on the Site. You have permission to view and make copies of documents, pages, images or other materials or content on this site for the sole purposes of requesting a loan. creditpack.org reserves all other rights in this Site and its contents. You may not distribute, display, transmit or disseminate any documents, pages, images, materials or content without our prior written consent. Nothing contained on this Site should be construed as conferring any right or license to any trademark, copyright or other intellectual property right.
8. LIMITATION OF LIABILITY AND DISCLAIMER OF WARRANTIES
creditpack.org uses commercially reasonable efforts to ensure that the information on this Site is accurate, but accuracy is not guaranteed. creditpack.org makes no representations regarding your use of this Site or results that you may or may not obtain through such use. NEITHER creditpack.org NOR ANY OTHER PARTY INVOLVED IN CREATING, PRODUCING OR DELIVERING THIS SITE SHALL BE LIABLE FOR ANY DIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL, INDIRECT OR PUNITIVE DAMAGES ARISING OUT OF YOUR ACCESS TO, OR USE OF, THIS SITE. EVERYTHING ON THIS SITE IS PROVIDED “AS IS” AND WITHOUT WARRANTY OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO, ANY IMPLIED WARRANTY OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE OR NON-INFRINGEMENT. THESE EXCLUSIONS AND LIMITATIONS ARE APPLIED TO THE FULLEST EXTENT PERMITTED BY LAW.
9. THIRD PARTY CONTENT
This Site may contain links to websites maintained by third parties. creditpack.org is not responsible for the content or privacy policies of third party websites, and the existence of such links should not be considered an endorsement or recommendation of those websites, the product or service offered or any third parties associated with those websites.
creditpack.org uses industry-recognized technology to protect your personal information. Although creditpack.org takes commercially reasonable measures to secure your personal information submitted through this Site, creditpack.org cannot guarantee that your information will not be intercepted or decrypted by others. So long as creditpack.org uses commercially reasonable security measures, it accepts no responsibility for such interception or decryption except as required by law.
12. SITE USE
creditpack.org does not charge you any fees for your use of this Site or our marketplace service. creditpack.org is not acting as an agent for (1) you, (2) any lender or (3) any supplier or vendor used in the evaluation of your loan inquiry or other use of this Site. creditpack.org may receive compensation from lenders and other third parties for its services.
13. LAW AND VENUE
14. BINDING ARBITRATION
By using this Site, you agree to indemnify, defend and hold harmless creditpack.org, its subsidiaries, affiliates, officers, agents and other partners and employees, from any loss, liability, claim or demand, including reasonable attorneys’ fees, made by any third party due to or arising out of your use or attempted use of the Site.
18. CLASS ACTION WAIVER
ANY PROCEEDINGS TO RESOLVE, LITIGATE OR ARBITRATE ANY DISPUTE IN ANY FORUM WILL BE CONDUCTED SOLELY ON AN INDIVIDUAL BASIS. NEITHER YOU NOR creditpack.org WILL SEEK TO HAVE ANY DISPUTE HEARD AS A CLASS ACTION, PRIVATE ATTORNEY GENERAL ACTION, OR IN ANY OTHER PROCEEDING IN WHICH EITHER PARTY ACTS OR PROPOSES TO ACT IN A REPRESENTATIVE CAPACITY. NO ARBITRATION OR PROCEEDING WILL BE COMBINED WITH ANOTHER WITHOUT THE PRIOR WRITTEN CONSENT OF ALL PARTIES TO ALL AFFECTED ARBITRATIONS OR PROCEEDINGS. FURTHERMORE, YOU AGREE THAT YOU WILL NOT SEEK TO HAVE ANY DISPUTE AGAINST ANY LENDER TO WHOM YOU ARE REFERRED HEARD AS A CLASS ACTION, PRIVATE ATTORNEY GENERAL ACTION, OR IN ANY OTHER PROCEEDING IN WHICH EITHER PARTY ACTS OR PROPOSES TO ACT IN A REPRESENTATIVE CAPACITY. THIS CLASS ACTION WAIVER MAY BE LIMITED BY APPLICABLE LAW, BUT IS INTENDED TO BE ENFORCED TO THE FULL EXTENT ALLOWED BY LAW.
20. CONTACT INFORMATION:
Company name: Nesmetaju LLC
Address: Springates Building, Lower Government Road, Charlestown, Nevis, Saint Kitts And Nevis
Email Address: firstname.lastname@example.org
INFORMATION FOR ISPs:
Company name: Nesmetaju, LLC
Email Address: email@example.com
PLEASE NOTE THAT FOR QUESTIONS PERTAINING TO YOUR LOAN request STATUS, YOU MUST CONTACT YOUR LENDER DIRECTLY. creditpack.org IS NOT YOUR LENDER AND CANNOT ACCESS INFORMATION ABOUT YOUR LOAN APPROVAL OR STATUS.
Notice and Take Down Procedures
If you believe any materials accessible on or from the Site infringe your copyright or other intellectual property, you may request removal of those materials (or access thereto) from the Site by contacting our copyright agent (identified below) and providing the following information:
- Identification of the copyrighted work that you believe to be infringed. Please describe the work, and where possible include a copy or the location (for example, the URL) of an authorized version of the work.
- Identification of the material that you believe to be infringing and its location. Please describe the material, and provide a URL or any other pertinent information that will allow location of the material.
- Your name, address, telephone number and email address.
- A statement that in good faith you believe the complained of use of the materials is not allowed by the copyright owner, its agent, or the law.
- A statement that your submission is accurate and that "under penalty of perjury" you are the copyright owner or the owner’s authorized agent.
- A signature or the electronic equivalent from the copyright holder or authorized agent.
Send the above information to:
Springates Building, Lower Government Road, Charlestown, Nevis, Saint Kitts And Nevis
Email Address: firstname.lastname@example.org
For all email submissions, please include the subject line: DMCA Takedown Request.
This service is not available in all states. If you request a loan in a particular state where such loans are prohibited, or in a location where creditpack.org does not have an available lender, you will not be connected to a lender. In some cases, you may be given the option of obtaining a loan from a tribal lender. Tribal lenders are subject to tribal and certain federal laws while being immune from state law including usury caps. If you are connected to a tribal lender, please understand that the tribal lender’s rates and fees may be higher than state-licensed lenders. Additionally, tribal lenders may require you to agree to resolve any disputes in a tribal jurisdiction. You are urged to read and understand the terms of any loan offered by any lender, whether tribal or state-licensed, and to reject any particular loan offer that you cannot afford to repay or that includes terms that are not acceptable to you. The purpose of shorter duration loans is to provide the borrower temporary financial relief. Such loans are not a long-term financial solution. Persons facing serious financial difficulties should consider other alternatives or should seek out professional financial advice. This website is not an offer to lend. creditpack.org is not a lender and does not make loan or credit decisions. creditpack.org connects interested persons with a lender from its network of approved lenders. creditpack.org does not control and is not responsible for the actions or inactions of any lender, is not an agent, representative or broker of any lender, and does not endorse any lender. creditpack.org receives compensation from its lenders, often based on a ping-tree model similar to Google AdWords where the highest available bidder is connected to the consumer. Regardless, creditpack.org’s service is always free to you. creditpack.org does not pull your credit or look at your creditworthiness, but responsible lenders will. By submitting your information to creditpack.org, you are giving lenders in creditpack.org’s network permission to verify your social security number, driver license number or other identification, and to review your creditworthiness by pulling your credit history from major credit bureaus such as Experian, Equifax and Trans Union and from alternative credit bureaus such as Teletrack or DP Bureau.
The lender you are connected to will provide documents that contain all fees and rate information pertaining to the loan being offered, including any potential fees for late-payments and the rules under which you may be allowed (if permitted by applicable law) to refinance, renew or rollover your loan. Loan fees and interest rates are determined solely by the lender based on the lender’s internal policies, underwriting criteria and applicable law. creditpack.org has no knowledge of or control over the loan terms offered by a lender. You are urged to read and understand the terms of any loan offered by any lender, whether tribal or state-licensed, and to reject any particular loan offer that you cannot afford to repay or that includes terms that are not acceptable to you.
Please be aware that missing a payment or making a late payment can negatively impact your credit score. To protect yourself and your credit history, make sure you only accept loan terms that you can afford to repay. If you cannot make a payment on time, you should contact your lender immediately and discuss how to handle late payments.
+Implications of Late Payment
+Implications of Nonpayment
+Impact on Credit Score