PLEASE READ THESE TERMS AND CONDITIONS CAREFULLY. BY ACCESSING THIS APPLICATION, YOU AGREE TO BE BOUND BY THE TERMS AND CONDITIONS BELOW. THESE TERMS AND CONDITIONS ARE SUBJECT TO CHANGE. ANY CHANGES WILL BE INCORPORATED INTO THE TERMS AND CONDITIONS POSTED TO THIS APPLICATION FROM TIME TO TIME. IF YOU DO NOT AGREE WITH THESE TERMS AND CONDITIONS, PLEASE DO NOT ACCESS THIS APPLICATION.
Unauthorized use of 1Stop’s Applications, websites and systems, including but not limited to unauthorized entry into 1 Stop’s systems, misuse of passwords, posting of objectionable or offensive content or your unauthorized use of legally protected third-party content, or misuse of any information incorporated into an application or posted to a site, is strictly prohibited.
You acknowledge that 1 Stop may disclose and transfer any information that you provide through this Application to (i) any company that shares ownership with 1 Stop, its affiliates agents or information providers; (ii) to any other person or entity with your consent; or (iii) if we have a right or duty to disclose or are permitted or compelled to so disclose such information by law. You consent to the transmission, transfer or processing of such information to, or through, any country in the world, as we deem necessary or appropriate, and by using and providing information through this Application you agree to such transfers. Use of this Application, including any patterns or characteristics concerning your interaction with it, may be monitored, tracked and recorded. Anyone using this Application expressly consents to such monitoring, tracking and recording.
You agree not to attempt to open the Application from any country under sanctions by the Office of Foreign Assets Control (OFAC). Information regarding which countries are under sanctions may be obtained on the U.S. Department of the Treasury Application. Any attempt to open the Application from one of these countries may result in your access being restricted and/or terminated.
If you use 1 Stop’s Application, websites or systems to access data related to any account(s) of which you are not the owner or authorized user as reflected in 1 Stop’s systems, you shall indemnify, defend, and hold harmless 1 Stop and all of its direct and indirect subsidiaries, officers, directors, employees, agents, successors, and assigns from any and all losses, liabilities, damages, and all related costs and expenses, arising from, relating to, or resulting (directly or indirectly) from such access. Further, without limiting 1 Stop’s rights or your obligations under any other provision of these Terms and Conditions, and notwithstanding the same, in the event of any actual or reasonably suspected unauthorized access to the personal information of a customer (including but not limited to customer names, addresses, phone numbers, bank and credit card account numbers, income and credit histories, and social security numbers) under your control or subsequent to and arising from your past exercise of control, direct damages in connection with any such breach will include the cost and expenses of investigation and analysis (including by law firms and forensic firms), correction or restoration of any destroyed, lost or altered data, notification to affected customers, offering and providing of credit monitoring, customers service, or other remediation services, and any related cost. 1 Stop’s rights to indemnity under this section are in addition to all other rights and remedies available at law or in equity. Any exercise by 1 Stop of its rights to indemnification shall be without prejudice to such other rights and remedies. You manifest your assent to this indemnity by accessing account data through 1 Stop’s Application, websites or systems, notwithstanding the terms of any agreement you have with a customer or an account owner stating otherwise. This indemnity includes but is not limited to losses associated with (1) a data breach of your system(s) and (2) a data breach of the system(s) of any person or entity with whom you provided or shared 1 Stop customer account data.
You represent and agree that you will; (i) provide accurate and truthful information regarding your accounts; (ii) maintain and promptly update your information; (iii) maintain the security of your account by not sharing your password with others, restricting access to your account and not authorizing any other person to access or use your account; (iv) promptly notify 1 Stop if you discover any unauthorized access to your account and (v) take sole responsibility for all authorized and unauthorized activity that takes place with or through your customer account.
Application for Credit and Authorization to Investigate Credit
If you submit an application for credit via the 1 Stop Application you understand and agree that 1 Stop may obtain a consumer credit report in connection with your application and in connection with any updates, renewals refinances or extensions of credit as a result of your application. You may inquire whether we obtained and the name and address of the entity that furnished the credit report. You also understand and agree that 1 Stop may investigate your credit, employment and financial status and the value of any collateral offered with third parties. These third parties may include credit bureaus and other non-traditional sources of data in connection with the review of your application or any decision to extend you credit.
The works of authorship contained in the Application (the “Application”), or 1stoptitleloans.com including but not limited to all design, text, sound recordings and images, are owned, except as otherwise expressly stated, by 1 Stop or one of its subsidiaries, (“1 Stop”). Except as otherwise expressly stated herein, they may not be copied, transmitted, displayed, performed, distributed (for compensation or otherwise), licensed, altered, framed, stored for subsequent use or otherwise used in whole or in part in any manner without 1 Stop’s prior written consent, except to the extent permitted by the Copyright Act of 1976 (17 U.S.C. § 107), as amended, and then, only with notices of 1 Stop’s proprietary rights provided that you may download information and print out hard copies for your personal use, so long as you do not remove any copyright or other notice as may be contained in information, as downloaded.
Content and Materials
The information on this Application is for information purposes only. It is believed to be reliable, but 1 Stop does not warrant its completeness, timeliness or accuracy of the information and materials contained in this Application and the terms and conditions of the access to and use of such information and materials are subject to change without notice. Products and services described, as well as, associated fees, charges, interest rates, and balance requirements may differ among geographic locations. Not all products and services are offered at all locations.
You agree that (i) you will not engage in any activities related to the Application that are contrary to applicable law, regulation or the terms of any agreements you may have with 1 Stop, and (ii) in circumstances where locations of the Application require identification for process, you will establish commercially reasonable security procedures and controls to limit access to your password or other identifying information to authorized individuals.
1 STOP MAY DISCONTINUE OR MAKE CHANGES IN THE INFORMATION, PRODUCTS OR SERVICES DESCRIBED HEREIN AT ANY TIME WITHOUT PRIOR NOTICE TO YOU AND WITHOUT ANY LIABILITY TO YOU. ANY DATED INFORMATION IS PUBLISHED AS OF ITS DATE ONLY, AND 1 STOP DOES NOT UNDERTAKE ANY OBLIGATION OR RESPONSIBILITY TO UPDATE OR AMEND ANY SUCH INFORMATION. 1 STOP RESERVES THE RIGHT TO TERMINATE ANY OR ALL APPLICATION OFFERINGS OR TRANSMISSIONS WITHOUT PRIOR NOTICE TO THE USER. FURTHERMORE, BY OFFERING THIS APPLICATION AND INFORMATION, PRODUCTS OR SERVICES VIA THIS APPLICATION, NO DISTRIBUTION OR SOLICITATION IS MADE BY 1 STOP TO ANY PERSON TO USE THE APPLICATION OR SUCH INFORMATION, PRODUCTS OR SERVICES IN JURISDICTIONS WHERE THE PROVISION OF THE APPLICATION AND SUCH INFORMATION, PRODUCTS OR SERVICES IS PROHIBITED BY LAW.
Potential Disruption of Service
Access to the Application may from time to time be unavailable, delayed, limited or slowed due to, among other things:
- Hardware failure, including among other things failures of computers (including your own computer), servers, networks, telecommunication lines and connections, and other electronic and mechanical equipment
- Software failure, including among other things, bugs, errors, viruses, configuration problems, incompatibility of systems, utilities or applications, the operation of firewalls or screening programs, unreadable codes, or irregularities within particular documents or other content
- Overload of system capacities
- Damage caused by severe weather, earthquakes, wars, insurrection, riots, civil commotion, act of God, accident, fire, water damage, explosion, mechanical breakdown or natural disasters
- Interruption (whether partial or total) of power supplies or other utility of service
- strike or other stoppage (whether partial or total) of labor
- Governmental or regulatory restrictions, exchange rulings, court or tribunal orders or other human intervention
- Any other cause (whether similar or dissimilar to any of the foregoing) whatsoever beyond the control of 1 Stop
Links to Other Sites
Links to non-1 Stop applications are provided solely as pointers to information on topics that may be useful to the Application, and 1 Stop has no control over the content on such non-1 Stop applications. If you choose to link to an application not controlled by 1 Stop, 1 Stop makes no warranties, either express or implied, concerning the content of such site, including the accuracy, completeness, reliability or suitability thereof for any particular purpose, nor does 1 Stop warrant that such site or content is free from any claims of copyright, trademark or other infringement of the rights of third parties or that such site or content is devoid of viruses or other contamination. 1 Stop does not guarantee the authenticity of documents on the Internet. Links to non-1 Stop applications or sites do not imply any endorsement of or responsibility for the opinions, ideas, products, information or services offered at such sites, or any representation regarding the content at such sites.
Limitation Of Liability
BECAUSE OF THE POSSIBILITY OF HUMAN AND MECHANICAL ERROR AS WELL AS OTHER FACTORS, THE APPLICATION (INCLUDING ALL INFORMATION AND MATERIALS CONTAINED IN THE APPLICATION) IS PROVIDED “AS IS” “AS AVAILABLE”. 1 STOP AND THIRD-PARTY DATA PROVIDERS ARE NOT PROVIDING ANY WARRANTIES AND REPRESENTATIONS REGARDING THE APPLICATION. 1 STOP AND THIRD-PARTY DATA PROVIDERS DISCLAIM ALL WARRANTIES AND REPRESENTATIONS OF ANY KIND WITH REGARD TO THE APPLICATION, INCLUDING ANY IMPLIED WARRANTIES OF MERCHANTABILITY, NON-INFRINGEMENT OF THIRD-PARTY RIGHTS, FREEDOM FROM VIRUSES OR OTHER HARMFUL CODE, OR FITNESS FOR ANY PARTICULAR PURPOSE. FURTHER, 1 STOP WILL NOT BE LIABLE FOR ANY DELAY, DIFFICULTY IN USE, INACCURACY OF INFORMATION, COMPUTER VIRUSES, MALICIOUS CODE OR OTHER DEFECT IN THIS APPLICATION, OR FOR THE INCOMPATIBILITY BETWEEN THIS APPLICATION AND FILES AND THE USER’S BROWSER OR OTHER SITE ACCESSING PROGRAM. NOR WILL 1 STOP BE LIABLE FOR ANY OTHER PROBLEMS EXPERIENCED BY THE USER DUE TO CAUSES BEYOND 1 STOP’S CONTROL. NO LICENSE TO THE USER IS IMPLIED IN THESE DISCLAIMERS.
1 STOP AND THIRD-PARTY DATA PROVIDERS DO NOT WARRANT THE ACCURACY, ADEQUACY, OR COMPLETENESS OF THE INFORMATION AND MATERIALS CONTAINED IN THE APPLICATION AND EXPRESSLY DISCLAIMS LIABILITY FOR ERRORS OR OMISSIONS IN THE MATERIALS AND INFORMATION. FURTHERMORE, 1 STOP AND ITS AFFILIATES WILL NOT BE LIABLE FOR ANY DELAY, DIFFICULTY IN USE, COMPUTER VIRUSES, MALICIOUS CODE, OR OTHER DEFECT IN APPLICATION, ANY INCOMPATIBILITY BETWEEN THE APPLICATION AND THE USER’S FILES AND THE USER’S BROWSER OR OTHER SITE ACCESSING PROGRAM, OR ANY OTHER PROBLEMS EXPERIENCED BY THE USER DUE TO CAUSES BEYOND 1 STOP AND ITS AFFILIATES’ CONTROL. NO LICENSE TO THE USER IS IMPLIED IN THESE DISCLAIMERS. NOTHING HEREIN SHALL BE CONSTRUED AS LIMITING OR REDUCING 1 STOP’S RESPONSIBILITIES AND OBLIGATIONS TO CLIENTS IN ACCORDANCE WITH APPLICABLE LAWS AND REGULATIONS.
UNDER NO CIRCUMSTANCES WILL 1 STOP BE LIABLE FOR ANY LOST PROFITS, LOST OPPORTUNITY OR ANY INDIRECT, CONSEQUENTIAL, INCIDENTAL, SPECIAL, PUNITIVE, OR EXEMPLARY DAMAGES ARISING OUT OF ANY USE OF OR INABILITY TO USE THE APPLICATION OR ANY PORTION THEREOF, REGARDLESS OF WHETHER 1 STOP HAS BEEN APPRISED OF THE LIKELIHOOD OF SUCH DAMAGES OCCURRING AND REGARDLESS OF THE FORM OF ACTION, WHETHER IN CONTRACT, WARRANTY, TORT, (INCLUDING NEGLIGENCE), STRICT LIABILITY, OR OTHERWISE.
Enforceability and Governing Law
1 Stop is not a lender in all states. Offers and services advertised on the Application may be void in some states. 1 Stop maintains this Application from its offices in Phoenix, Arizona. 1 Stop makes no representation that the Application or 1 Stop offerings are appropriate or available for use anywhere outside of the State of Arizona.
In the event any of the terms or provisions of these Terms and Conditions shall be held to be unenforceable, the remaining terms and provisions shall be unimpaired and the unenforceable term or provision shall be replaced by such enforceable term or provision as comes closest to the intention underlying the unenforceable term or provision. These Terms and Conditions shall be subject to any other agreements you have entered into with 1 Stop. The user’s access to and use of the Application or 1stoptitleloans.com, and the terms of this disclaimer are governed by the laws of the State of Arizona.