Terms Of Website Use

Effective August 22, 2022

The following terms and conditions govern all use of the CapitalZone website and all content, services, features, activities, and products available at or through the website. 

You agree that by using or accessing the Services, you are bound by the terms and conditions of this Agreement. 

If you do not agree to all the terms and conditions of this Agreement, then you may not access or use the Services.

1. Modification.

We may modify these Terms at any time at our discretion. The revised Terms will become effective 10 days after we post them on the Site, and your continued use of the Site after that means you accept the revised Terms.

2. Site Access and Use of the Service 

You must be 18 years or older to access and use this Site. This Site and its services are for personal use only. By accessing and using the Site, you agree to comply with these Terms and all applicable laws.

3. Restrictions

You shall not

• copy, distribute, display, mirror, frame, or modify any part of the Site or Content without prior written authorization from us


• use, modify, create derivative works of, transfer (by sale, resale, license, sublicense, download, or otherwise), reproduce, distribute, display or publish any Content except as expressly authorized in these Terms


• disrupt servers or networks connected to the Site


• use or launch any automated system (including without limitation "robots" and "spiders") to access the Site


• circumvent disable or otherwise interfere with security


• related features of the Site or features that prevent restrict use or copying of any Content or that enforce limitations on use of the Site.

4. The Integrity of Your Information

The accuracy of your information is important to us. Some of the services on the site require you to provide us with information about yourself, which may be of a personal and sensitive nature. This may also include information about your finances. If you choose to provide us with this information, you agree that it will be accurate, true, complete, and current. We will collect, use, and disclose your personal information in accordance with our Privacy Policy and these Terms of Use.

5. Offering Forms

The Site offers a Match Request feature, which allows you to submit an online request to be matched with one or more of our third-party lending partners, insurance brokers, insurance agents, and/or other third parties who offer their products and/or services. 

If you decide to engage with one (or more) of our Partners you will enter into a separate agreement with each of them individually. CapitalZone does not guarantee that the offers provided to you by any of the Partners will have the best rates or terms available in the market.

If you submit a match request, partners may contact you directly with quotes or offers via all means of communication provided by you: mail, email, telephone, text message, fax, and others ("communications"). 

You may receive telemarketing calls from partners or third parties on their behalf (including using an automatic telephone dialing system or an artificial or prerecorded voice) as a consequence of submitting a match request through our services, even if your telephone number is registered on a state, corporate or federal do not call registry. 

The communications are subject to the partners’ respective terms and any right you may wish to exercise should be addressed to the partners. 

You agree to notify any specific partner directly if you no longer wish to receive communications from them. You further agree that CapitalZone is not responsible for a partner's failure to follow your or our instructions to stop contacting you.

If you submit a Match Request, you agree to allow third parties to conduct any research necessary to provide you with information about your Match Request. This may include ordering credit reports or scores from consumer reporting agencies, which can provide details that help determine eligibility for loan offers. 

If you do not want to allow third parties to conduct this research, do not submit a Match Request.

You understand that we are not a lender or broker and that we do not offer or originate loans. All loan approval decisions and terms are determined by the Partners at the time of your application with them. 

Submitting a Match Request through our website does not constitute a loan application, and you will have to submit a loan application to the respective Partner before the Partner provides you with an actual offer.

6. Third-Party Sources and Content.

The content from Third Party Sources that are not owned or controlled by us can be accessed, viewed, linked to, and used on the Site. 

The Site may also enable you to communicate and interact with Third-Party Sources. "Third Party Source(s)" refers to:

• third party websites and services


• our partners and customers.

We are not responsible for the content, terms of Service, privacy policies, actions, or practices of any Third Party Sources. 

Please read the terms of Service and privacy policy of any Third Party Source that you interact with before you engage in any such activity.

We expressly disclaim all warranties regarding the accuracy, appropriateness, usefulness, safety, or Intellectual Property Rights of any Third Party Content.

You may be exposed to Third Party Content on the Site that is inaccurate, offensive, indecent, or objectionable. You can choose whether or not to interact with a Third Party Source or to view and use Third Party Content. Your interaction with a Third Party Source and your use of, and reliance upon, any Third Party Content is at your sole discretion and risk.

You agree that you will be solely responsible for your interaction with a Third Party Source. You release CapitalZone from any and all liability arising from your use of or interaction with any Third Party Content and from your interaction with any Third Party Source. If you have any queries or complaints regarding a Third Party Source or any Third Party Content, you agree to contact the Third Party Source directly.

7. Intellectual Property Rights.

Content and Marks

The content on the Site, including without limitation; the text, documents, articles, brochures, descriptions, products, software, graphics, photos, sounds, videos user interfaces, visual interfaces, photographs, trademarks, logos sounds music artwork computer code interactive features and services (collectively "Materials") including but not limited to the design structure selection coordination expression "look and feel" and arrangement of such Materials are owned controlled or licensed by or to CapitalZone and are protected by applicable copyright or other intellectual property laws and treaties. 

The Marks

The Site, Site logo, and other marks are Marks of CapitalZone or its affiliates. All other trademarks service marks and logos used on the Site are the trademarks service marks or logos of their respective owners.

The Content 

The Content on the Site is provided for your information and personal use only. You may not use, modify, copy, distribute, transmit, broadcast, display, sell, license, or decompile the Content for any other purpose without our prior written consent. 

If you download or print a copy of the Content you must retain all copyright and other proprietary notices contained therein.

8. User Submissions.

Responsibility

The Site may permit the submission, hosting, sharing, and publishing of Content by you and other users ('User Submissions'). 

You understand that whether or not such User Submissions are published, we do not guarantee any confidentiality with respect to any User Submissions. You shall be solely responsible for your User Submissions and the consequences of posting, publishing, or uploading them. 

We have complete discretion whether to publish your User Submissions and we reserve the right in our sole discretion and without further notice to you, to monitor, censor, edit, remove, delete, and/or remove any and all Content posted on the Site (including User Submissions) at any time and for any reason.

Ownership

You warrant that you either own the Intellectual Property Rights to your User Submissions or have the necessary rights and permissions to use and authorize the Site to use all Intellectual Property Rights in and to your User Submissions. 

All references in these Terms to Content shall include references to User Submissions. 

You retain all ownership rights in your User Submissions.

License to User Submissions

By submitting User Submissions to CapitalZone, you hereby grant CapitalZone a worldwide, irrevocable, non-exclusive, royalty-free, perpetual, sub-licensable, and transferable license to use, reproduce, distribute, prepare derivative works of the display, and perform the User Submissions in connection with the Site and CapitalZone business. 

This includes redistributing part or all of your User Submissions (and derivative works thereof) in any media formats and through any media channels. You also hereby grant each user of the Site or other viewer or user of the User Submission a non-exclusive right to use, reproduce, distribute, prepare derivative works of display and perform such User Submissions.

Prohibited Content

You agree not to post any content that is unfair or deceptive, copyrighted or subject to third-party proprietary rights, creates a risk to safety or public health, promotes illegal drugs or arms trafficking, is unlawful, defamatory, libelous, threatening, pornographic, harassing, hateful, racially or ethnically offensive, or encourages criminal conduct.

Exposure

When you access and use the Site, you may be exposed to User Submissions from a variety of sources. CapitalZone is not responsible for the accuracy, usefulness, safety, or Intellectual Property Rights of these submissions. You may also find some submissions to be inaccurate, offensive, indecent, or objectionable. By using the Site, you agree to waive any legal or equitable rights or remedies you may have against CapitalZone with respect to these User Submissions.

Complaints about Content

If you believe that any Content on CapitalZone website violates your Intellectual Property Rights, please complete this form. We take these matters seriously and appreciate your help in protecting the Intellectual Property Rights of others.

User Profile

This section of the Terms applies to registered users only. 

During the registration process, we may ask you to provide certain contact and personal details, such as your name, email address, image, address, and phone number. We will explicitly indicate the fields that are mandatory to complete.

Bear in mind that false, incorrect, or outdated information may prevent you from registering and impair our ability to provide you with the services. 

To log in, you must provide your email and password. 

You agree to maintain your login details in absolute confidentiality and refrain from disclosing them to others. 

We may also establish and require, from time to time, additional or different means of identification and authentication for logging in and accessing the service.

Make sure that you change your password frequently and at least once every six months.

You are responsible for any content you upload or fill in, including links to other websites. If you provide inaccurate, incomplete, or false information during registration, we will not be responsible for any misuse of your profile that results from it.

You can ask us to remove your user profile by filing a removal request. 

We may require you to verify your identity before we process the request. Once we have processed your request, we will terminate your account and you will no longer be able to access our services as a registered user.

If you want to use our services again after your account has been terminated, you can renew your registration at any time by completing the registration process again.

We may temporarily or permanently deny, limit, suspend, or terminate your user profile, prohibit you from accessing the service, remove your uploaded content and take technical and legal measures to keep you off the service if we determine in our sole discretion that:

• you have abused your rights to use the service


• you have breached the Terms


• you violated any applicable law, rule, or regulation


• you have performed any act or omission which is harmful or likely to be harmful to us or any other third party including other users or providers of the service.

9. Information Accuracy

We try to be as accurate as possible, but we can't guarantee that the Content on the Site is accurate, complete, reliable, current, or error-free. We can change the Content at any time without telling you first. 

You use the Content at your own risk and responsibility.

10. Disclosure

We may access, read, preserve, and disclose any information we obtain in connection with the Site and your use thereof as we reasonably believe is necessary to:

• satisfy any applicable law, regulation, legal process, or subpoena


• enforce the Site Terms, including investigating potential violations


• detect, prevent or otherwise address fraud and/or security issues


• respond to user support requests


• protect the rights, property, or safety of CapitalZone, its users, or the public.

11. Links

The Site may contain links to third-party websites that are not owned or controlled by CapitalZone. We are not affiliated with, have no control over, and assume no responsibility for the content, privacy policies, or practices of any third-party websites. You:

• are solely responsible and liable for your use of and linking to third-party websites and any content that you may send or post to a third-party website


• expressly release CapitalZone from any and all liability arising from your use of any third-party website. 

Accordingly, we encourage you to read the terms and conditions and privacy policy of each third-party website that you visit.

You may link to the Site, provided that: 

• you only link to and do not replicate, any page on the Site


• the hyperlink text accurately describes the Content as it appears on the Site


• you do not misrepresent your relationship with CapitalZone or present any false information about CapitalZone 


• you do not imply in any way that we are endorsing any services or products unless we have given you express prior consent to do so


• and/or you and your website comply with these Terms and applicable laws.

12. Privacy

We may collect or obtain personal information in connection with the Site. 

This information will be used in accordance with our privacy policy, which is available on our Privacy Policy.

You agree that we may use personal information that you provide or make available to us in accordance with the Privacy Policy.

13. We are not a Partner

We may be able to help you connect with partners that could meet your needs based on the information you provide. However, we are not a lending institution, insurance provider, or other partners. 

We will not be involved in any coverage or credit decisions made by any partner referred to you. Additionally, we do not issue mortgages, credit cards, insurance coverage, or any other financial products.

14. You Are Responsible For Your Financial Decisions

We provide a platform through which you can obtain information and find partners that meet your needs based on the information you provide. We do not endorse or control the products or services of any partner and are not an agent or advisors to you or to any partner. 

We do not validate or investigate the licensing, certification, or other requirements and qualifications of the partners. 

It is your sole responsibility to vet each partner you are engaging with. 

You acknowledge and agree that you rely on your own judgment in selecting any products or services offered by the partner.

15. Warranty Disclaimers

This section applies to both paid and free services provided by the Site. However, some exclusions set forth herein may not apply if applicable law does not allow them.

• We do not make any warranties or representations about the terms, rates, fees, quotes, or services offered by partners or other third-party sources. 


• We cannot guarantee that these terms, rates, fees, quotes or services are the best available. 


• We also cannot guarantee a resolution to your financial situation. 


• The site is provided on an "as is" and "as available" basis without any warranties of any kind - either express or implied. 


• We hereby disclaim all warranties of any kind, express or implied, including but not limited to implied warranties of merchantability, title, fitness for a particular purpose, non-infringement, and those arising by statute or from a course of dealing or usage of trade.

Our content and services are intended to assist you with financial decisions, but we cannot consider your personal financial situation. Your personal financial situation is unique, and the information and advice may not be appropriate for your circumstances. Therefore, before making a financial decision, we urge you to obtain additional information and advice from qualified professionals who are aware of your individual circumstances.

You agree that CapitalZone will not be liable for any claims or damages arising from your use of the site or any third-party sources. 

You are responsible for reading, understanding, and complying with the terms and conditions of any third-party sources, and you release us from any and all losses, costs, damages, or claims in connection with your use of their services. 

If you have a dispute with a third party as a result of your use of the site, you agree that CapitalZone is not liable for such a dispute.

We do not make any representations, warranties, or conditions of any kind, express or implied, as to the security of any information you may provide or activities you engage in during the course of your use of the site. 

This includes technical errors, security breaches, or virus attacks. 

The site may also be unavailable for routine maintenance, upgrading, or other reasons. 

You agree that we will not be held responsible for any consequences to you or any third party that may result from these technical problems. 

We also do not warrant, endorse or guarantee any content, product, or service that is featured or advertised on the site by a third party.

We strive to offer you valuable information about the products and services that are featured/reviewed on the site. However, in order to provide you with this information at no cost, we must seek revenue opportunities through other means. For example, we may charge a placement fee to those third parties that are featured on our site, and we receive fees each time a user clicks through to one or more such parties and/or actually purchases products/services that are offered by any of them.

16. Limitation of Liability

CapitalZone shall not be liable for any indirect, exemplary, special, consequential, or incidental damages of any kind arising under these terms or out of your use of the site, even if CapitalZone has been advised of the possibility of such damages. This limitation on liability shall not be affected even if CapitalZone has been advised of the possibility of such damages. 

Some jurisdictions do not allow the exclusion or limitation of liability for incidental or consequential damages, so the above limitations may not apply to you.

17. Indemnity

You agree to defend, indemnify, and hold harmless CapitalZone and our affiliates, as well as our respective officers, directors, employees, and agents from any claims, damages, obligations, losses, liabilities, costs (including but not limited to attorney's fees) arising from:

• your use of, or inability to use the Site


• your User Submissions


• your interaction with any Site users


• your violation of these Terms.

18. Term and Termination

These Terms are effective until terminated by CapitalZone or you. 

CapitalZone, in its sole discretion, has the right to terminate these Terms and/or your access to the Site, or any part thereof, immediately at any time and with or without cause (including, without any limitation, for a breach of these Terms). 

CapitalZone shall not be liable to you or any third party for termination of the Site, or any part thereof. 

If you object to any term or condition of these Terms, or any subsequent modifications thereto, or become dissatisfied with the Site in any way, your only recourse is to immediately discontinue use of the Site. 

Upon termination of these Terms

You shall cease all use of the Site and:

• Sections ‎5 (Offering Forms)


• 7 (Intellectual Property Rights)


• 12 (Privacy)


• 15 (Warranty Disclaimers)


• 16 (Limitation of Liability)


• 17 (Indemnity)


• 20 (General) shall survive termination of these Terms.

19. Assignment

You shall not transfer or assign any rights or licenses granted in these Terms. CapitalZone may assign these Terms without restriction or notification to you.

20. General

CapitalZone reserves the right to discontinue or modify any aspect of the Site at any time.

These Terms and the relationship between you and CapitalZone shall be governed by and construed in accordance with the laws of the United States, without regard to its principles of conflict of laws.

You agree to submit to the personal and exclusive jurisdiction of the courts located in the United States and waive any jurisdictional, venue, or inconvenient forum objections to such courts provided that CapitalZone may seek injunctive relief in any court of competent jurisdiction.

These Terms shall constitute the entire agreement between you and CapitalZone concerning the Site.

If any provision of these Terms is deemed invalid by a court of competent jurisdiction, the invalidity of such provision shall not affect the validity of the remaining provisions of these Terms, which shall remain in full force and effect.

No party may waive any of these Terms, and a party's failure to assert any right or provision under these Terms does not constitute a waiver of such right or provision.

YOU AGREE THAT ANY CAUSE OF ACTION ARISING OUT OF OR RELATED TO THE SITE MUST COMMENCE WITHIN ONE (1) YEAR AFTER THE CAUSE OF ACTION OCCURS. OTHERWISE, SUCH CAUSE OF ACTION IS PERMANENTLY BARRED.