Terms of Use

Sphenefin, doing business as Sphenefin ("Sphenefin", "we", or "our"), owns and operates the website located at sphenefin.com (the "Site"). Sphenefin provides and maintains this Site for your information, conditioned on your acceptance, without modification, of the terms, conditions and notices contained in these Terms of Use and in our Privacy Policy. By accessing and using the Site, you accept and agree without limitation to the following:

Products and Services

Sphenefin 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.

Esign Consent

You agree that clicking the request-submission button 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 to send to you. You also confirm that you have the ability to access documents electronically, including the ability to view and save PDF files.

Loan Inquiry Policy

Sphenefin reserves the right to reject your inquiry at any time for any reason not prohibited by law. Sphenefin 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. Sphenefin 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 another lender with a different loan product to help you.

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 creditworthiness 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.

Restrictions

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.

Compliance With Laws

You agree to comply with all applicable laws, statutes, ordinances and regulations regarding your use of this Site and your acceptance or purchase of products or services through any of this Site's third-party vendors. Sphenefin may, in its sole discretion, report actual or perceived violations of law to law enforcement or other authorities. If we become aware of any potential or suspected violation of these Terms of Use or our Privacy Policy, we may (but are not obligated to) conduct an investigation to determine the nature and extent of the suspected violation and the appropriate enforcement action to be taken. During such investigation, we may suspend services to any customer being investigated and may delete data from our servers in order to prevent or minimize further violations. You agree to cooperate fully with any such investigation. You acknowledge that violating the Terms of Use or Privacy Policy could subject you to criminal or civil penalties.

Intellectual Property

The trademarks, titles, characters, trade names, graphics, designs and other properties, including all software, text and images appearing on this Site, are the intellectual property of Sphenefin, 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 purpose of requesting a loan. Sphenefin 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.

Limitation of Liability and Disclaimer of Warranties

Sphenefin uses commercially reasonable efforts to ensure that the information on this Site is accurate, but accuracy is not guaranteed. Sphenefin makes no representations regarding your use of this Site or results that you may or may not obtain through such use. Neither Sphenefin 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, to the fullest extent permitted by law.

Third Party Content

This Site may contain links to websites maintained by third parties. Sphenefin 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 products or services offered, or any third parties associated with those websites.

Privacy

Sphenefin's Privacy Policy, which is incorporated herein by reference, is applicable to any data supplied through this Site. Sphenefin reserves the right, in its sole discretion, to modify the Privacy Policy without prior notice to you. Modifications are effective when posted, and your continued use of this Site signifies your acceptance of such modifications.

Security

Sphenefin uses industry-recognized technology to help protect your personal information. Although we take commercially reasonable measures to secure information submitted through this Site, we cannot guarantee that information will not be intercepted or decrypted by others. So long as Sphenefin uses commercially reasonable security measures, it accepts no responsibility for such interception or decryption except as required by law.

Site Use

Sphenefin does not charge you any fee for using this Site or our matching service. Sphenefin 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. Sphenefin may receive compensation from lenders and other third parties for its services.

Law and Venue

This Site is owned and operated by Sphenefin. By using or engaging with this Site in any way, you consent to the laws and jurisdiction of the State of Nevada. These Terms of Use and the Privacy Policy will be governed by and construed in accordance with the laws of Nevada, without regard to conflict-of-law provisions, and the sole jurisdiction and venue for any dispute will be in Clark County, Nevada.

Binding Arbitration

Should any dispute arise as to the interpretation of any term or provision of these Terms of Use, or with regard to any of your dealings with Sphenefin or with any lender you borrow from as a result of Sphenefin's service, those issues shall be decided by binding arbitration under the applicable rules of the American Arbitration Association or JAMS in Clark County, Nevada. The decision of the arbitrator shall be final and binding on both parties.

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 Sphenefin 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, to the extent allowed by applicable law.

Modification, Indemnification and Termination

Sphenefin reserves the right to modify these Terms of Use at any time without notice; your continued use after modification constitutes acceptance. By using this Site, you agree to indemnify and hold harmless Sphenefin, its affiliates, officers and employees from any claim arising out of your use of the Site. Sphenefin may, in its sole discretion and without prior notice, terminate your access to the Site or remove content that violates these Terms.

Notice and Takedown (DMCA)

If you believe material on this Site infringes your copyright, send a notice to our copyright agent below including: identification of the copyrighted work; identification and location of the allegedly infringing material; your name, address, phone number and email; a good-faith statement that the use is not authorized; a statement made under penalty of perjury that you are the owner or authorized to act on the owner's behalf; and a signature. Send notices with the subject line "DMCA Takedown Request" to the contact below.

Contact Information

Company name: Sphenefin (doing business as Sphenefin). Email: [email protected]. Mailing address: 304 S. Jones Blvd #3567, Las Vegas, NV 89107.

For questions about your loan request status, contact your lender directly — Sphenefin is not your lender and cannot access information about your loan approval or status.