By accessing the happywallet.club web site and using the services on this site, you agree to the terms and conditions (“Terms”) below. Please read these Terms carefully. If you do not agree to these Terms, do not access or use this web site. The happywallet.club web site is operated by Credit Loan, LLC. All references below to happywallet.club include Credit Loan, LLC.
These Terms and Conditions contain a mandatory arbitration provision that requires you to arbitrate individually any disputes or claims you may have with us and waives your right to participate in a class action or multi-party arbitration.
By submitting the form(s), you understand and agree that you are submitting an inquiry about a loan product to happywallet.club and each of the participating lenders to whom happywallet.club transmits your loan request. By submitting the form(s), you are extending an express invitation to happywallet.club to any and each of the participating lenders with whom your information is shared to contact you by any means (including, without limitation, email, telephone, and direct mail) so that they may assist you with your transaction or provide information to you about additional offers in which you may be interested.
Participating lenders who receive your information from happywallet.club review your information in real-time to determine whether your information meets the lenders loan qualification criteria. Participating lenders may, among other things, verify your social security number, perform a credit check, and review your information against national databases (such as Teletrack, DP Bureau or DataX) that tracks consumer transactions with lending institutions. By submitting the form(s), you agree to allow participating lenders to review, verify, and research your information in such manner.
happywallet.club is not a lender and does not make loans or credit decisions in connection with its loan matching service. happywallet.club does not guarantee acceptance into any particular loan program or specific loan terms of conditions with any participating lender. happywallet.club does not guarantee that the price, product, availability, rates, fees, or any other loan terms offered and made available by participating lenders through the loan matching service are the best terms available in the market.
happywallet.club does not endorse or recommend the products of any particular lender. happywallet.club is not an agent of you or any participating lender. happywallet.club is not involved with the lenders use and/or review of your information or in making a determination about whether you meet a particular lenders loan qualification criteria. The lender is solely responsible for its services to you, and you agree that happywallet.club shall not be liable for any damages or costs of any type arising out of or in any way connected with your use of the loan matching service. You understand that participating lenders may keep your information, whether or not you are qualified for a loan with them.
Control over Features, Functions, and Access to the Service
happywallet.club reserves the right to change any information, features and/or functions of the loan matching service without prior notice. happywallet.club may deny you access to all or part of the services without prior notice if you engage in any conduct or activities that happywallet.club determines, in its sole discretion, violate these Terms, the rights of happywallet.club or any third party, or is otherwise inappropriate. happywallet.club is not responsible for any errors or delays in providing the loan matching services caused by errors in any of the information provided by you or by any technical problems beyond our reasonable control.
Disclaimers and Limitations
THIS WEB SITE AND THE INFORMATION, SOFTWARE, PRODUCTS, AND SERVICES ASSOCIATED WITH IT ARE PROVIDED “AS IS.” happywallet.club EXPRESSLY DISCLAIMS ANY WARRANTY OF ANY KIND, WHETHER EXPRESS OR IMPLIED, AS TO ANY MATTER WHATSOEVER RELATING TO THIS WEB SITE 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. happywallet.club MAKES NO WARRANTY AS TO THE RESULTS THAT MAY BE ACHIEVED BY USING THIS WEB SITE AND THE INFORMATION, SOFTWARE, PRODUCTS AND SERVICES ASSOCIATED WITH IT. USE OF THIS WEB SITE AND/OR happywallet.club’s SERVICES IS AT YOUR OWN RISK. happywallet.club AND/OR ITS PARTICIPATING LENDERS OR ADVERTISERS OR ANY OF THEIR OFFICERS, DIRECTORS, AGENTS, SUBSIDIARIES, 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 THIS WEB SITE AND/OR happywallet.club’s SERVICES OR WITH THE DELAY OR INABILITY TO USE THIS WEB SITE, OR FOR ANY INFORMATION, SOFTWARE, PRODUCTS AND SERVICES OBTAINED THROUGH THIS WEB SITE, OR OTHERWISE ARISING OUT OF THE USE OF THIS WEB SITE, WHETHER RESULTING IN WHOLE OR IN PART, FROM BREACH OF CONTRACT, TORTIOUS BEHAVIOR, NEGLIGENCE, STRICT LIABILITY OR OTHERWISE, EVEN IF happywallet.club OR ITS PARTICIPATING LENDERS HAVE BEEN ADVISED OF THE POSSIBILITY OF DAMAGES. SOME STATES DO NOT ALLOW THE LIMITATION OF LIABILITY AND DISCLAIMER OF IMPLIED WARRANTIES, SO THE DISCLAIMERS AND LIMITATIONS ABOVE MAY NOT APPLY TO YOU. IN SUCH STATES, THE RESPECTIVE LIABILITY OF happywallet.club, ITS PARTICIPATING LENDERS, AND THEIR OFFICERS, DIRECTORS, AGENTS, SUBSIDIARIES, AFFILIATES, EMPLOYEES, SUCCESSORS, ASSIGNS, CONTENT PROVIDERS AND SERVICE PROVIDERS IS LIMITED TO THE GREATEST EXTENT PERMITTED BY LAW.
As a condition of using this web site and/or the services offered herein, you agree to indemnify happywallet.club and its participating lenders from and against any and all liabilities, expenses (including attorneys’ fees) and damages arising out of claims resulting from your use of this web site, including without limitation any claims alleging facts that if true would constitute a breach by you of these Terms.
Links to Third Parties
This web site may contain links to other web sites operated by participating lenders or other third parties. Such links are provided for your convenience and reference only. happywallet.club does not operate or control in any respect any information, software, products or services available on such third party sites. happywallet.club’s inclusion of a link to a web site does not imply any endorsement of the services or the site, its contents, or its sponsoring organization.
Any controversy or claim arising out of or relating to the use of the web site, to the goods or services provided by happywallet.club, or to any acts or omission for which you may contend happywallet.club is liable, including but not limited to any controversy or claim as to arbitrability (“Dispute”), will be settled finally and exclusively by binding arbitration in accordance with the commercial arbitration rules of the American Arbitration Association in effect at that time. The arbitrator will have exclusive authority to resolve any dispute including any claim that all or any part of these Terms and Conditions are unenforceable. The arbitration will be conducted in Sussex County, Delaware and judgment on the arbitration award may be entered into any court of competent jurisdiction in Sussex County, Delaware. No arbitrator shall have the power to award damages in connected with any Dispute in excess of actual compensatory damages and shall not multiply actual damages or award consequential, punitive or exemplary damages, and each party irrevocably waives any claim thereto. The agreement to arbitrate shall not be construed as an agreement to the joinder or consolidation of an arbitration under this agreement with an arbitration of disputes or claims of any non-party, regardless of the nature of the issues of disputes involved.
YOU ACKNOWLEDGE AND AGREE THAT, VIA YOUR ACCEPTANCE OF THESE DISPUTE RESOLUTION PROVISIONS, YOU WAIVE ANY RIGHT TO A JURY TRIAL, AS WELL AS YOUR RIGHT TO BRING, JOIN OR PARTICIPATE AS A PLAINTIFF OR A CLASS MEMBER IN A CLASS ACTION SUIT OR MULTI-PARTY ARBITRATION BROUGHT AGAINST happywallet.club, ANY PERSON RELATED TO happywallet.club OR A SERVICE PROVIDER USED BY happywallet.club TO PROVIDE THE SERVICE.
In the event the arbitration provisions herein become inapplicable or unenforceable, or in any instance of any lawsuit between you and happywallet.club, you agree that jurisdiction over and venue of any suit shall be exclusively in the state and federal courts sitting in Sussex County, Delaware. You agree that regardless of any statute or law to the contrary, any claim or cause of action arising out of or related to use of the services must be filed within one (1) year after such claim or cause of action arose or be forever barred.
These Terms constitute the entire agreement between you and happywallet.club. These Terms shall be governed by the laws of the State of Delaware without regard to its conflict of law provisions. 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 matches the intent of the original provision and the remainder of these Terms shall remain in effect. Any failure by happywallet.club to exercise or enforce any right or provision of these Terms will not be deemed a waiver of such right or provision. happywallet.club may amend these Terms at any time by posting the amended terms on its web site. All amended terms are automatically effective immediately, upon posting.