terms of use

Requirements

The Site is available only to individuals who can enter into legally binding contracts under applicable law. The Site is not intended for use by individuals under eighteen (18) years of age. If you are under eighteen (18) years of age, you do not have permission to use and/or access the Site.

Acceptance of Agreement

You agree to the terms and conditions set forth in the Agreement with respect to your use of the Site when you access the Site. The Agreement constitutes the entire and only agreement between you and Honcker Inc (“Honcker Inc”) with respect to your use of the Site, and supersedes all prior or contemporaneous agreements, representations, warranties and/or understandings with respect to the Site. We may amend the Agreement from time to time in our sole discretion, without specific notice to you. The latest Agreement will be posted on the Site, and you should review the Agreement prior to using the Site. By your continued use of the Site, you hereby agree to comply with all of the terms and conditions contained within the Agreement effective at that time. Therefore, you should regularly check this page for updates and/or changes.

Description of Honcker Inc

Honcker Inc provides users with an opportunity to apply for loan-related services as offered by Honcker Inc’s affiliated third-party loan service providers or lenders. Please be advised that Honcker Inc does not itself provide lending services, and the ultimate terms and conditions of any product or service provided by one of its loan service providers will be determined by that entity. The lender may obtain your credit report to make a final decision. To qualify to receive loan-related products and/or services, you must first fully complete the application form located at the Site (“Site Application”), as well as the application form set forth on the Site of the applicable Affiliated Loan Service Provider (“Affiliate Application” and together with the Site Application, the “Application”). The information that you must supply on the Site Application includes, but is not limited to: (a) your full name;, (b) home address,; residence information, employment information,(c) e-mail address;, (d) home and mobile telephone numbers, (e) your occupation, employer name, employer phone number and time spent at your current job; (f) monthly income estimate; (g) whether you have declared bankruptcy in the prior seven (7) years; (h) whether you have a cosignor available, if needed; (i) housing status (rent, own, neither, etc.); (j) time spent at your current residence; (k) monthly mortgage payment/rent, as applicable; and (l) your Social Security Number (collectively, the “Site Registration Data”). Upon entering your Site Registration Data and clicking on the “Submit” button at the bottom of the Site Application, your Site Registration Data will be redirected to the applicable Affiliated Loan Service Provider. The information that you must supply on the applicable Affiliated Loan Service Provider Application shall be determined by the applicable Affiliated Loan Service Provider (the “Affiliate Registration Data” and, together with the Site Registration Data, the “Registration Data”). Loan application approval, and the ultimate terms and conditions of any product or service provided by one of our Affiliated Loan Service Providers, will be determined by that entity. Honcker Inc will verify and approve all completed Site Applications, and the associated Registration Data, in accordance with its standard verification procedures. You agree to provide true, accurate, current and complete Registration Data. Honcker Inc and the applicable Affiliated Loan Service Provider each have the right to reject any Registration Data where it is determined, in the sole and exclusive discretion of Honcker Inc and the applicable Affiliated Loan Service Provider, that: (i) you are in breach of the Agreement; and/or (ii) the Registration Data that you provided is incomplete, fraudulent, a duplicate or otherwise unacceptable. Honcker Inc and the applicable Affiliated Loan Service Provider each may change the Registration Data criteria at any time, in their sole discretion.

Unless explicitly stated otherwise, any future offer(s) made available to you on the Site that augment(s) or otherwise enhance(s) the current features of the Site shall be subject to the Agreement. You understand and agree that Honcker Inc is not responsible or liable in any manner whatsoever for your inability to use and/or qualify for Honcker Inc sponsored products, services and/or any associated functionality. You understand and agree that Honcker Inc shall not be liable to you or any third party for any modification, suspension or discontinuation of any product, service or promotion offered by any of Honcker Inc’s Affiliated Loan Service Providers. If Honcker Inc terminates the Agreement, Honcker Inc shall have no liability or responsibility to you. You understand and agree that refusal to use the Site is your sole right and remedy with respect to any dispute with Honcker Inc.

Consents You Grant by Registering and Using the Services

When you register for an account with us, you are providing to us the following specific consents:

You understand that by clicking on the I AGREE button immediately following this notice, you are providing 'written instructions' to Honcker under the Fair Credit Reporting Act authorizing Honcker to obtain information from your personal credit profile or other information from Experian. You authorize Honcker to obtain such information solely to conduct a pre-qualification for credit.

Offers From Marketing Partners

We strive to improve the way consumers understand and access credit. As described in our Privacy Policy, we will never provide third parties with your credit report or credit score, but we may use your credit report, credit score and other relevant information that you provide to us while using the Services to match you with offers for financial products and services from our marketing partners. It is always your choice whether or not to apply for an offered product or service and we will never submit an application for a financial product or service on your behalf without your express consent.

The technology we use to provide you with offers for financial products and services is proprietary and, in finding those offers for you, we may elect to consider, ignore, emphasize, or de-emphasize relevant factors in our sole discretion. We do not guarantee that you will be presented with offers for any particular types of products or services or that you will meet the approval criteria for any particular offer.

Savings Estimates

We may use information from your Member Profile and data we have on available offers for financial products or services to estimate how you might save money through one of the financial products or services available through our Services. Any estimate we provide you of possible savings and other information is for illustration purposes only. Our estimates are based on certain assumptions and use only the data we have, and are neither endorsed by, nor commissioned by, any of our marketing partners. We do not warrant or guarantee the accuracy, adequacy, timeliness, reliability, completeness or usefulness of any estimates we provide, and we disclaim all liability for any errors or omissions in any such estimates.

Privacy

Please review our Privacy Policy (which also governs your visit to our Site) to understand our practices. Additionally, by using the Site, you acknowledge and agree that Internet transmissions are never completely private or secure. You understand that any message or information you send to the Site may be read or intercepted by others, notwithstanding Honcker Inc’s efforts to protect such transmissions.

Disclaimer

Honcker Inc DOES NOT PROMISE THAT THE SITE OR ANY CONTENT, DOCUMENT OR FEATURE OF THE SITE WILL BE ERROR-FREE OR UNINTERRUPTED, OR THAT ANY DEFECTS WILL BE CORRECTED OR THAT YOUR USE OF THE SITE WILL PROVIDE SPECIFIC RESULTS. THE MATERIAL IN THIS SITE COULD INCLUDE TECHNICAL INACCURACIES OR TYPOGRAPHICAL ERRORS. THE SITE AND ITS CONTENT ARE DELIVERED ON AN “AS-IS” AND “AS-AVAILABLE” BASIS. ALL INFORMATION PROVIDED ON THE SITE IS SUBJECT TO CHANGE WITHOUT NOTICE. Honcker Inc CANNOT ENSURE THAT ANY FILES, DOCUMENTS OR OTHER DATA YOU DOWNLOAD FROM THE SITE WILL BE FREE OF VIRUSES OR CONTAMINATION OR DESTRUCTIVE FEATURES. Honcker Inc DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING ANY WARRANTIES OF ACCURACY, NON-INFRINGEMENT, MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE. Honcker Inc DISCLAIMS ANY AND ALL LIABILITY FOR THE ACTS, OMISSIONS AND CONDUCT OF ANY THIRD PARTIES IN CONNECTION WITH OR RELATED TO YOUR USE OF THE SITE. YOU ASSUME TOTAL RESPONSIBILITY FOR YOUR USE OF THE SITE AND ANY LINKED SITES. YOUR SOLE REMEDY AGAINST Honcker Inc FOR DISSATISFACTION WITH THE SITE OR ANY CONTENT IS TO STOP USING THE SITE OR ANY SUCH CONTENT. THIS LIMITATION OF RELIEF IS A PART OF THE BARGAIN BETWEEN THE PARTIES.

YOU ACKNOWLEDGE THAT Honcker Inc IS SOLELY AN INTERMEDIARY BETWEEN (I) YOU AND THE NATIONAL CREDIT REPORTING AGENCY OR OTHER INFORMATION PROVIDERS ACTUALLY FURNISHING YOUR CREDIT REPORTS, CREDIT SCORES AND OTHER INFORMATION, AND (II) YOU AND OUR MARKETING PARTNERS FOR WHOM WE DISPLAY OFFERS FOR FINANCIAL PRODUCTS AND SERVICES. YOU ALSO ACKNOWLEDGE THAT, THE ANALYSES AND TOOLS AVAILABLE THROUGH THE SERVICES, INCLUDING, WITHOUT LIMITATION, SAVINGS ESTIMATES AND APPROVAL ODDS, ARE BASED ON ASSUMPTIONS AND SUBJECT TO THE LIMITATIONS DISCLOSED WITH RESPECT TO EACH SUCH ANALYSIS OR TOOL. THE Honcker Inc PARTIES EXPRESSLY DISCLAIM ANY LIABILITY FOR ANY ERRORS OR OMISSIONS IN THE CONTENT OR THE SERVICES, INCLUDING, WITHOUT LIMITATION, THE INACCURACY OR INCOMPLETENESS OF ANY SUCH CREDIT REPORTS, CREDIT SCORES, ANALYSIS OF RELATED INFORMATION, SAVINGS ESTIMATES, APPROVAL ODDS, OTHER INFORMATION, TOOLS OR ANALYSES AVAILABLE THROUGH THE SERVICES OR THE CONTENT; THE AVAILABILITY OR LEGALITY OF ANY OF THE OFFERS FROM OUR MARKETING PARTNERS; OR ANY TECHNICAL INACCURACIES OR TYPOGRAPHICAL ERRORS.

Limitation of Liability

EXCEPT WHERE PROHIBITED BY LAW, NEITHER Honcker Inc, NOR ITS DIRECTORS, OFFICERS, EMPLOYEES, AGENTS, CONTRACTORS, SUCCESSORS OR ASSIGNS OF EACH, SHALL BE LIABLE TO YOU FOR ANY INDIRECT, CONSEQUENTIAL, EXEMPLARY, INCIDENTAL OR PUNITIVE DAMAGES, INCLUDING LOST PROFITS, EVEN IF Honcker Inc HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. UNLESS OTHERWISE EXPRESSLY SET FORTH IN A WRITTEN AGREEMENT WITH YOU, Honcker Inc’S MAXIMUM LIABILITY FOR ALL CLAIMS ARISING OUT OF OR RELATING TO THIS SITE, OR ITS CONTENT, WHETHER IN CONTRACT, TORT OR OTHERWISE SHALL BE LIMITED TO THE AMOUNT YOU PAID TO ACCESS THIS SITE.

Some jurisdictions do not allow limitations of liability, so the foregoing limitation may not apply to you.

Indemnity

By using the Site, you agree to defend, indemnify, and hold harmless Honcker Inc from and against any and all losses, claims, damages, costs and expenses (including reasonable legal and accounting fees) that Honcker Inc may become obligated to pay arising or resulting from your use of this Site, the Content, or your breach of these Terms of Use. Honcker Inc reserves the right to assume or participate, at your expense, in the investigation, settlement and defense of any such action or claim.

Severability

Any failure by Honcker Inc to exercise any rights or enforce any of these Terms of Use shall not constitute a waiver of such rights or terms. If any provision of these Terms of Use or their application in a particular circumstance is held to be invalid or unenforceable to any extent, the remainder of these Terms of Use, or the application of such provision in other circumstances, shall not be affected thereby, and each provision hereof shall be valid and enforced to the fullest extent permitted by law. These Terms of Use constitute the entire agreement between you and Honcker Inc with regard to your use of the Site, and any and all other written or oral agreements or understandings previously existing between you and Honcker Inc with respect to such use are hereby superseded and cancelled.

Law and Venue

This Site is located in the State of New York. These Terms of Use and the relationship between you and Honcker Inc shall be governed by the laws of the State of New York without regard to its conflicts of law provisions. You agree to the personal jurisdiction by and venue in the state and federal courts in New York County, New York, and agree and consent that such courts are the exclusive forum for litigation of any claim or cause of action arising out of or relating to your use of this Site or the Content. You agree that regardless of any statute or law to the contrary, any claim or cause of action arising out of or relating to your use of this Site or the Content must be filed within one year after such claim or cause of action arose or be forever barred.