Terms of Use

The company, Marketinglabs LLC is conducting business under the name (“”, or “we”, or “our”), operates and owns the website (the “site”). maintains and provides this site for your information, on the condition on your acceptance, without any modification, of the notices, terms and conditions contained in these Terms of Use and within our Privacy Policy. When you access and use the site, you agree to and accept without limitation the following:

PRODUCTS AND SERVICES

is not in itself a lender and is therefore takes no responsibility for any lending product we advertise or offer to you, or for any credit decisions that are made about you. There are no specific loan products offered to you on this site. All specific loan products will be offered to you directly from the lender.

ESIGN CONSENT

You agree that by clicking “Get Started” (or any similar button you use to submit a request to be connect with a lender) it acts as your electronic signature. You grant further consent that we and any lender we forward your request to have the ability to communicate with you electronically and we may provide you electronically with any required disclosures, including without any limitation notices of adverse action a lender is required to send you. Meanwhile, you also confirm you have the ability to get access to documents electronically, including having the ability to view and save PDF files.

LOAN INQUIRY POLICY

reserves the right to reject an inquiry from you at any time for any reason that is not prohibited by law. may require verification or additional information before a loan request from you is accepted. After submitting your information via a form on our site, you will then be connected with a lender to be further considered based on the policies and procedures of the lender. This does not mean that your loan has been approved. Approval of loans is solely the decision of the lender. takes no responsibility for taking, approving or denying any loan request made by you. When you submit your information, you then agree if we are unable to find a lender that offers the type of loan you requested initially, we will then search our lender network to ascertain whether we can find alternative lenders with different loan products that may help you.

CREDIT REFERENCES

Participating lenders in our network may then verify your social security number, the number of your driver’s license or any other official federal or state identification, as well as review your credit history through national databases which may include Transunion, Equifax, Experian and other credit check agencies. When you submit your information to us, you agree to lenders having the ability to obtain these type of credit reports and to verifying your information.

RESTRICTIONS

To submit a loan request you must be 18 years old or older and a legal resident of the United States. You also agree not to use this site for any inappropriate or illegal activities.

COMPLIANCE WITH LAWS

You agree to abide by all applicable federal or state laws, statutes, regulations and ordinances regarding your use of this site and in your acceptance of, or purchase of products or services via any of this site’s third-party vendors. may, at its sole discretion, report perceived or actual violations of law to authorities. If any potential or suspected violation of these Terms of Use or of our Privacy Policy come to our attention, we may (although not obligated to) launch an investigation to ascertain the nature and extent of the potential or suspected violation and then the appropriate enforcement action may be taken. During such investigations, we reserve the right to suspend services to any customer under investigation and may remove data from our servers as a way to prevent or minimize further violations from occurring. Should you be the subject of any such investigation, you agree to cooperate fully. You acknowledge you could be subject to criminal or civil penalties for violating the Terms of Use or Privacy Policy.

INTELLECTUAL PROPERTY

All trademarks, characters, titles, graphics, trade names, designs and other property, including all text, images and software, which appear on this site are the intellectual property of , its licensees, and other third parties who may have authorized use of such properties.

You have the permission to view and make copies for your own records of documents, images, pages or other material or content on this site for the sole purpose of making a loan request. reserves all other rights to this site and its contents. You are prohibited from distributing, displaying, transmitting or disseminating any documents, pages, images, materials or content without our prior consent in writing. Nothing this site contains should be construed as conferring any rights or licenses to any trademark, copyright or any other intellectual property right.

LIMITATION OF LIABILITY AND DISCLAIMER OF WARRANTIES

uses all commercially reasonable efforts to ensure the information on this site is accurate, but that accuracy is not guaranteed. offers no representations regarding your use of this site or the results you may or may not obtain through your use.

NEITHER NOR ANY OTHER PARTY INVOLVED IN CREATING, DELIVERING OR PRODUCING THIS SITE SHALL BE DEEMED LIABLE FOR ANY DIRECT, INDIRECT, CONSEQUENTUAL, INCIDENTAL, SPECIAL OR PUNITIVE DAMAGES THAT ARISE OUT OF YOUR ACCESS TO, OR USE OF, THIS SITE. EVERYTHING PROVIDED ON THIS SITE IS “AS IS” AND WITHOUT CARRYING A WARRANTY OF ANY DESCRIPTION, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO, ANY FITNESS FOR A PARTICULAR PURPOSE, WARRANTY OF MERCHANTABILITY OR NON-INFRINGEMENT THAT MAY BE IMPLIED. THESE LIMITATIONS AND EXCLUSIONS ARE APPLIED TO THE FULLEST EXTENT PERMITTED BY LAW.

THIRD PARTY CONTENT

This site may contain links to third party websites. is not responsible for the privacy policies or content of third party websites, and the existence of such links should not be considered to be a recommendation or endorsement of those websites, or the products or services offered or any third parties that are associated with those websites.

PRIVACY

’s Privacy Policy, incorporated herein by reference, is applicable to any data supplied via this Site. The Privacy Policy clarifies your rights and our responsibilities in regards to your personal information. undertakes not to use your information in any way that is inconsistent with the limitations and purposes provided in the Privacy Policy. reserves the right, at its sole discretion, to modify the Privacy Policy at any time without prior notice to you. Modifications made to the Privacy Policy are effective from when posted and your continued use of this site signifies you accept such modifications.

SECURITY

protects your personal information using industry-recognized technology. Although takes all commercially reasonable measures to secure your personal information when submitted through this site, cannot offer a guarantee your information will not be decrypted or intercepted by others. So long as uses all commercially reasonable security measures, it accepts no responsibility for such decryption or interception except as required by law.

SITE USE

does not charge any fees for you to use this Site or our marketplace service. is not acting as an agent for (a) you, (b) any lender or (c) any vendor or supplier used to evaluate your loan inquiry or any other use of this site. may receive compensation for its services from lenders and other third parties.

LAW AND VENUE

is owned and operated by Marketinglabs LLC, a limited liability company based in Dallas, TX. By using this site or by engaging with in any way, you consent to abide by the laws and jurisdiction of Dallas, TX. Both these Terms of Use and the Privacy Policy will be governed by and construed in accordance with Dallas, TX laws, without regard to conflict of law provisions. Any legal action brought against (which must come via binding arbitration as set forth below) will be governed by the laws of Dallas, TX and you agree that the sole venue and jurisdiction for disputes resolution will be in Dallas, TX.

BINDING ARBITRATION

Should any dispute arise regarding the interpretation of any provision or term contained in these Terms of Use or with regard to any of your dealings with or dealings with any lender you thus borrow from as a result of ’s service, all issues shall be decided by binding arbitration. Arbitration proceedings shall be conducted under all the applicable rules of the American Arbitration Association or JAMS in Dallas, TX. The decision of the arbitrator shall be binding and final on both parties. The prevailing party then shall be entitled to recover the costs of arbitration, travel expenses, expert testimony expenses, travel expenses of experts, and all other expenses reasonably incurred in bringing about or defending an arbitration claim, from the other party unless it is otherwise prohibited by law.

MODIFICATION

reserves the right to modify these Terms of Use occasionally and without prior notice to you. Your use of this site after such modification take place constitutes your agreement to and acceptance of any new or amended terms.

INDEMNIFICATION

By using this site, you agree to defend, indemnify and hold harmless , any of its subsidiaries, affiliates, agents, officers and other partners and employees, from any liability, loss, claim or demand, including reasonable attorneys’ fees, made by any third party arising out of or due to your use or attempted use of the site.

VIOLATION OF THE TERMS OF USE

By using the site, you agree and understand at its sole discretion and without prior notice to you may terminate your access to this site and therefore to any services offered, and it may remove any content you have provided if believes such content is inconsistent with or violates these Terms of Use or the Privacy Policy or their intent, or that such content may be disruptive, offensive or even in violation of applicable laws.

CLASS ACTION WAIVER

ANY PROCEEDINGS TO RESOLVE, ARBITRATE OR LITIGATE ANY DISPUTE IN ANY FORUM WILL BE CONDUCTED SOLELY ON A CASE-BY-CASE BASIS. NEITHER YOU NOR WILL SEEK TO HAVE A DISPUTE HEARD AS A CLASS ACTION, OR A PRIVATE ATTORNEY GENERAL ACTION, OR IN ANY OTHER PROCEEDING IN WHICH EITHER PARTY WILL ACT OR PROPOSES TO ACT IN A REPRESENTATIVE CAPACITY. NO PROCEEDING OR ARBITRATION WILL BE COMBINED WITH ANOTHER WITHOUT THE PRIOR WRITTEN CONSENT OF ALL THE PARTIES TO ALL AFFECTED PROCEEDIGNS OR ARBITRATIONS. FURTHERMORE, YOU AGREE YOU WILL NOT SEEK TO HAVE ANY DISPUTE AGAINST ANY LENDER TO WHOM YOU ARE REFERRED ON TO HEARD AS A CLASS ACTION, OR A PRIVATE ATTORNEY GENERAL ACTION, OR IN ANY OTHER PROCEEDING IN WHICH EITHER PARTY WILL ACT OR PROPOSES TO ACT IN A REPRESENTATIVE CAPACITY. THIS CLASS ACTION WAIVER MAY BE LIMITED BY APPLICABLE LAW, BUT IT IS INTENDED TO BE ENFORCED TO THE FULL EXTENT PERMITTED BY LAW.

MISCELLANEOUS

Any reference to includes Marketinglabs LLC. All rights that are not expressly granted to you are reserved for . The headings used in these Terms of Use are intended for ease of reference only, and shall not affect the interpretation and construction thereof. ’s failure to enforce or insist upon strict performance of any Terms of Use provision shall not be construed as a waiver of such provision or any future provision or right. If any provision of these Terms of Use is held to be unenforceable or invalid, such determination shall not affect such provision of the terms in any other respect or any other provision contained in these Terms of Use, which shall still remain in full effect and force. These Terms of Use together with the Privacy Policy constitute the full understanding and agreement between the parties with respect to the subject matter contained herein and replaces and supersedes any and all prior written or oral agreements related hereof to the subject matter.

SMS TERMS AND CONDITIONS

Subscription Service available on most carriers including U.S. Cellular, AT&T, Cellular One, T-Mobile, Sprint, Boost, MetroPCS, Alltel Wireless and Virgin Mobile. Msg&Data Rates May Apply. 3msgs/week. Requires text-enabled handset. You may cancel your subscription by texting STOP to 26498 or 40848. You can also get info directly on your phone by texting HELP to 26498 or 40848 or contacting us at Support@directloantransfer.com. Service will continue until customer cancels. Carriers are not responsible for delayed or undelivered messages.

The licensee agrees to all policies from Marketing Labs and carriers with regard to the content, user-interaction, and the transmission of messages as defined below. Violation of any of these clauses may lead to the Licensee’s short code on supporting wireless carriers being disabled.

The licensee will follow MMA guidelines and the acceptable code of conduct with regard to SMS-mobile marketing.

The licensee will ensure all such materials and content do not and will not include any material that:

  • is inappropriate, such as drug references, profane language, the promotion of drug use, or references to gambling;
  • is obscene, unlawful, or defamatory;
  • violates third party rights or intellectual property rights;
  • is misleading, false, or is likely to deceive or mislead (including, without any limitation, info relating to the author or source of the message);
  • contains images that are sexually explicit;
  • promotes discrimination or violence;
  • assists illegal activities;
  • promotes or advertises a carrier’s competitors if it is delivering the content to a consumer via a specific carrier.

The licensee must provide all users with how to “opt-out” information from receiving messages from the licensee in the first message after the first opt-in for alerts or clubs, which it sends to a user. This message must include, at minimum, all of the following points (not certainly in this order):

  • the licensee identifier or name;
  • a short service description;
  • the frequency and number of messages;
  • charging information;
  • instructions to opt-out;
  • contact information;
  • Where to get assistance or URL;

The licensee has sole responsibility for providing, through Marketing Labs Software all necessary information to users to enable users the option to opt-in to for receiving campaigns and to also allow users to opt-out if they should no longer want to receive text messages. The licensee warrants and represents that it will only send and will only continue to send messages to individuals that have chosen to opt-in to receive text messages and have not subsequently used the opt-out option.

Subject to all terms listed in the rest of this Agreement, you hereby agree and acknowledge:

The service we provide may solely be used for purposes that are lawful.

You agree you will not use or access ANY third party mailing lists for instant message screen names, mobile phone numbers, or email addresses or otherwise distribute or prepare unsolicited messages in relation to our service.

You agree to access, import, or use only lists in which all listed parties have given their consent to receive any correspondence from you (these are called “Permission Based Lists”), this is in connection with your use of our service. You hereby promise you shall not use or obtain any other lists without the express consent of the members of the list in connection with use of the service.

You agree and acknowledge not all messages sent via the service Marketing Labs provides is going to be received by the intended recipients.

Every message you send in connection with the service we provide must include Marketing Labs’s “unsubscribe” link, which allows the recipient to remove his/herself from list(s) for mailing distribution.

The licensee should include a link that is prominent on a website that is public to the SMS TERMS AND CONDITIONS that will include clear instructions that shows the user to how to update or remove his or her details from the licensee database, or show them to unsubscribe or opt out.

Marketing Labs reserves all rights to permit certain keywords and ‘template’ activities in order to ensure continued availability of the short code assigned to the licensee with its supporting wireless carriers. For example: the following keywords will be included in all campaigns:

– (in-built-unsubscribe) QUIT, STOP, END, UNSUBSCRIBE, CANCEL

– (in-built-help) HELP

All online, radio, television, and printed advertising material encouraging participation in a text-based activity with the licensee MUST include this disclaimer: “Standard messaging charges will apply according to your carrier. Send HELP to [insert a short code number] for more information. Send STOP to [insert a short code number] to opt out of this service. For Terms & Conditions in full, visit [insert T&C URL].” When it is applicable, the URL referenced needs be linked to the actual promotion and/or contest rules. However, the licensee should consult with their legal counsel.

The licensee agrees all outbound messaging will contain a reference to the licensee’s brand or name.

Contests:

The licensee’s official rules means it must use the full and complete Contest Rules text as is provided by Marketing Labs. The licensee’s own legal counsel should advise of when and where official rules need to be posted or advertised.

The licensee’s ‘REBOUND’ message (that refers to the ‘entry confirmation text message’) must include the following: [sponsor name], HELP to Help, STOP to Opt out, standard messaging charges apply

Messages that contain references to gambling and alcohol cannot be endorsed or approved by Marketing Labs. The licensee’s own legal counsel needs to be involved to assess FCC, FTC and all state laws surrounding all promotion of these topics to subscribers. The licensee’s own legal counsel needs to consider subscribers that receive promotions on these topics could be any age. The licensee agrees and acknowledges Marketing Labs will not provide legal advice to the licensee.

The licensee acknowledges and agrees it will make all reasonable effort to ensure any outgoing messages, specifically pushes, will be to subscribers who opt-in to receive message(s) from the licensee. The licensee assumes all of the risks if a message is sent to a subscriber who has not opted in.

The licensee understands the Services will only be supported on Windows Internet Explorer 6.0 or later / Google Chrome ™ / Firefox ™ / Apple Safari ™. If the licensee chooses to use Marketing Lab’s platform with another web browser, Marketing Labs cannot guarantee support.

These restriction and standards will change occassionally based upon the carrier’s requirements. Marketing Labs reserves the right at any time to amend to stay in compliance with a carrier’s requirements and industry best practice standards.

Anti-SPAM policy – Marketing Labs provides organizations and businesses with a wide range of tools to collect mobile numbers, names, email addresses and IM screen names. The service Marketing Labs provides may NOT be used for the sending of unsolicited messages (“spam”). Marketing Labs maintains a “no tolerance” policy to spam. Marketing Labs customer support will actively monitor messages sent to a large number of contacts and large import lists. Any customer that is found to be using Marketing Labs for spamming will be immediately cut-off from using of the service. If you suspect or know of any violators, please contact us immediately. All outgoing messages sent via Marketing Labs must contain a compolsory unsubscribe link. If that link is removed or de-activated, Marketing Labs will, depending on circumstances, suspend or terminate the customer’s account, pending the reactivation of the unsubscribe link.

The Do Not Text List. You also promise to remove from this list all data and information of any individual who has stated previously verbally or in writing he/she does not want to receive Services from you or on behalf of you. You agree and acknowledge to update any contact lists or the Database or delivered to Marketing Labs hereunder, prior to the commencement by Marketing Labs Services on your behalf. If you do provide us a list of cell phone numbers and/or email addresses, you need to ensure they do not contain cell numbers or email addresses of any individual who has previously chosen to opt-out of receiving SMS or any other communications. Marketing Labs owns and maintains a Global Permanent Removal List containing domains and addresses, which it will not permit any customer to add to a database. You agree and understand Marketing Labs maintains the full discretion to block the uploading of any mobile phone numbers which are recorded on such a list, and is not liable for blocking any such address from customer databases. By clicking on Marketing Lab’s footer or the Unsub or anyone who sends an email to Marketing Labs at info@MarketingLabs.com, any message recipient has the option to opt-out of receiving any further communications from you through Marketing Labs. You agree and acknowledge Marketing Labs can place individuals on the Global Permanent Removal List should that happen.

You warrant and represent the owners of the cell phone numbers you provide to Marketing Labs, to which outbound messages are transmitted through the Services, have opted-in or otherwise consented to the receipt of such broadcasts and messages. You agree you will include clear opt-out or unsubscribe information in at least every fourth text message you send out through Marketing Labs’s Services and you also adhere to the Consumer Best Practices Guidelines advocated by the Mobile Marketing Association.

You also further agree that any individual that requests “Do-Not-Call” (“DNC”) status will immediately be placed on the DNC accounts list you keep and is removed from the list of approved contacts that is used with the Marketing Labs Services and Marketing Labs Sites. You agree to become familiar with and follow all applicable local, state, national and even international laws and you are solely responsible for any omissions or acts that occur in the operation of your account, including without limitation the message or broadcast content transmitted through Marketing Labs Services. You also agree to become familiar with the legalities of any calls, messages, broadcasts, and campaigns transmitted via the Marketing Labs Services by visiting these websites:

1. The Federal Trade Commission, http://www.ftc.gov

2. The Federal Communications Commission, http://www.fcc.gov

3. The DoNotCall Registry http://www.donotcall.gov

4. The DNC list registry rules (http://www.donotcall.gov)

You must also follow various state laws, rules and regulations that place restrictions on specific types of text messages or phone calls. Marketing Labs is not attempting to interpret any rules, laws, or regulations. We provide this information merely as a courtesy to you and it is not intended to replace the responsibility you have to become familiar with and abide by all legal requirements that pertain to your messages, broadcasts or campaigns prior to you using the Services of Marketing Labs. You are responsible to make your own decisions that are informed regarding messages, broadcasts, and campaigns.

MMS Messages

User will receive SMS MT if the device does not support MMS.

CONTACT INFORMATION:

Company name: Marketinglabs LLC
Address: 5050, Quorum Drive Suite 700, Dallas, Texas, 75254, United States of America
Email Address: Support

INFORMATION FOR ISPs:

Website: www.
Email Address: Support

PLEASE NOTE SHOULD YOU HAVE ANY QUESTIONS PERTAINING TO YOUR LOAN REQUEST STATUS, YOU MUST CONTACT YOUR LENDER DIRECTLY. IS NOT YOUR LENDER AND CANNOT ACCESS INFORMATION ABOUT YOUR LOAN APPROVAL OR STATUS.

NOTICE AND TAKE DOWN PROCEDURES

If you have cause to believe any materials accessible on or from the site are infringing your copyright or other intellectual property, you may request for the removal of those materials (or access thereto) from the site by making contact with our copyright agent ( details below) and provide the following information:

Identification of the copyrighted work you believe to have infringed. Please describe the work, and wherever possible include a copy of the work or the location (for example, the URL) of an authorized version.

  1. Identification of the material you believe to be infringing and its location.
  2. Please provide a description of the material, and provide a URL address or any other pertinent information that will allow the material to be located.
  3. Your name, address, telephone number and email address.
  4. A statement from you that in good faith you believe the complaint of use of the materials is not permitted by the owner of the copyright, its agent, or the law.
  5. A statement your submission is accurate and "under penalty of perjury" you are the owner of the copyright or the owner’s authorized agent.
  6. A signature or the equivalent electronically from the copyright holder or authorized agent.

Send all of the above information to the following:

Legal Department
Email Address: Legal

For all email submissions, please include the following in the subject line: DMCA Takedown Request.