COMPARELEND - TERMS OF USE

 

Introduction – Application of Terms of Use

Welcome to www.CompareLend.com ("Site"), a website edited by Compare Invest Group, a French Sociétés par Actions Simplifiées ("CompareLend" or "we" or "us"). The following Terms of Use are important information regarding this Site, our copyright to its contents and the terms for your use of the Site and the service offered as a visitor or registered member. 

These Terms of Use govern your use of our Site.  The use of your personal data by CompareLend is submitted to our applicable Privacy Policy, the terms and conditions of which are expressly incorporated herein by this reference. For more information, see our full Privacy Policy at http://direct.comparelend.com/en_us/privacy-policy. You understand that through your use of this Site, you consent to the collection and use (as set forth in the applicable Privacy Policy) of your data, including the transfer of this information for storage, processing and use by CompareLend.

By using this Site you agree to be bound by these Terms of Use and to use the Site in accordance with these Terms of Use, our Privacy Policy, and any additional terms and conditions that are referenced herein or that otherwise may apply to specific sections of the Site, or to products and services that we make available to you through the Site (all of which are deemed part of these Terms of Use). Accessing the Site, in any manner, whether automated or otherwise constitutes use of the Site and your agreement to be bound by these Terms of Use.

We reserve the right to change these Terms of Use or to impose new conditions on use of the Site, from time to time. By continuing to use our service after we post any such changes, you accept the Terms of Use, as modified.

Our Site is reserved to adults over the age of eighteen (18) years old. By using this Site, you acknowledge that you are over 18 years of age.
 

Purpose of the Site

CompareLend offers to users a search engine comparator of peer to peer (P2P) lending including loans and investing offers available online through referenced P2P lending platforms. We do not provide financial advice linked to these offers and no communication available on this website should be considered by users as personal financial advice. This applies to the general information available on the Site but also in any  of our newsletters, social media communication, or any other online communication made available by us.

Our aim is to provide users with a comparison of P2p lending opportunities available online. You understand and agree that CompareLend.com is not a lender and is not the creditor of the offers listed on the results pages of the Site. Any offers advertised on this Site or made available to you after your P2P lending research on CompareLend are by and remain the sole responsibility of the respective platforms and issuers of these offers.

We are also not liable for the risk-rating score realized by our search engine before accessing compared P2P lending offers. All risk-rating and credit scoring are based on the prerequisites of P2P lending platforms affiliated to CompareLend for which CompareLend has no flexibility or freedom of choice in the application of this risk-rating criteria. Although your use of the Site will not affect your credit score, we are not responsible for any affiliated platform that may initiate a credit inquiry that will impact your credit score once you access these platforms and left our Site.
 

Your Limited Right to Use Site Materials.

This Site and all the materials made available are the property of us and/or our affiliates or licensors, and are protected by copyright, trademark, or other intellectual property rights. Unless explicitly authorized, you may not modify, copy, reproduce, republish, upload, post, transmit, translate, sell, create derivative works, exploit, or distribute in any manner any material from the Site. You may, however, from time to time, download and/or print one copy of individual pages of the Site for your personal, non-commercial use, provided that you keep intact all copyright and other proprietary notices.
 

Limitations on Linking and Framing

You are free to establish a hypertext link to our Site so long as the link does not state or imply any sponsorship of your site with CompareLend. However, you may not, without our prior written permission, frame or inline link any of the content of our Site, or incorporate into another website or other service any of our material, content or intellectual property.
 

Creation of Account

To use our services, you will be required to create an account on the Site and we will ask you to provide information including your name, email, zip code and country. You agree to provide true, accurate, current and complete information about yourself as prompted by the Site's registration form. If we have reasonable grounds to suspect that such information is untrue, inaccurate, or incomplete, we have the right to suspend or terminate your account and refuse any and all current or future use of the Site (or any portion thereof). Our use of any information you provide to us as part of the registration process is governed by the terms of our Privacy Policy.

We ask you, and it remains your responsibility, to maintain the confidentiality and security of your login and password. Any connection using your credentials, regardless of whether it was executed by you or someone else, will be deemed as a personal act by you. You agree to notify us immediately of any unauthorized use of your password or account or any other breach of security, and to ensure that you exit from your account at the end of each session. We cannot and will not be liable for any loss or damage arising from your failure to protect your password or account information.
 

Access to P2P lending and investment offers

To access P2P lending and investment offers, we may ask you to provide information including your name, loan required amount, loan purpose, loan length, email, postal address, phone number, IP address and other information. You agree to provide true, accurate, current and complete information.

If we have reasonable grounds to suspect that such information is untrue, inaccurate, or incomplete, we have the right to suspend or terminate your account and refuse any and all current or future use of the Site (or any portion thereof). Our use of any information you provide to us as part of the registration process is governed by the terms of our Privacy Policy.

In no event CompareLend will be liable for any unsuccessful funding requests from an applicant’s ineligibility to qualify to loans or investing opportunities available on listed offers from affiliated P2P lending platforms regardless that such ineligibility is based on true or inaccurate information provided by you on the CompareLend comparator search engine.

Your interactions with any platforms, companies, organizations and/or individuals found on or through our Site, including any purchases, loan, investments, transactions, or other dealings, and any terms, conditions, warranties or representations associated with such dealings, are solely between you and such platforms, companies, organizations and/or individuals. You agree that we will not be responsible or liable for any loss or damage of any sort incurred as the result of any such dealings. You also agree that, if there is a dispute between a user of CompareLend and any of these third parties, we are under no obligation to become involved, and you agree to release us from any claims, demands and damages of every kind or nature, known or unknown, suspected and unsuspected, disclosed and undisclosed, arising out of or in any way related to such dispute.
 

Suspension and Termination of Access to the Site

We make every effort to ensure that the Site remains accessible 24 hours on 24 and 7 days out of 7 but cannot be held responsible for any unavailability of the Site related to constraints inherent to the functioning of Internet, maintenance operations, any failure or bug, or any event of force majeure beyond the reasonable control of CompareLend.

We reserve the right to delete any account, or to deny access to the Site or any features of the Site, to anyone who violates these Terms of Use or who, in our sole judgment, interferes with the ability of others to enjoy our Site or infringes the rights of others. In the event that we suspend or terminate your access to and/or use of the Site, you will continue to be bound by the Terms of Use that were in effect as of the date of your suspension or termination.
 

Notice of Copyright Infringement

If you are a copyright owner who believes your copyrighted material has been reproduced, posted or distributed via the Site in a manner that constitutes copyright infringement, please inform our designated copyright agent by sending written notice by e-mail to [email protected]  Please include the following information in your written notice: (1) a detailed description of the copyrighted work that is allegedly infringed upon; (2) a description of the location of the allegedly infringing material on the Site; (3) your contact information, including your address, telephone number, and, if available, e-mail address; (4) a statement by you indicating that you have a good-faith belief that the allegedly infringing use is not authorized by the copyright owner, its agent, or the law; (5) a statement by you, made under penalty of perjury, affirming that the information in your notice is accurate and that you are authorized to act on the copyright owner's behalf; and (6) an electronic or physical signature of the copyright owner or someone authorized on the owner's behalf to assert infringement of copyright and to submit the statement. Please note that the contact information provided in this paragraph is for suspected copyright infringement only.
 

Site Copyright

All copyright rights to this Site, including rights to the work and designs provided by CompareLend and compilations of listings materials organized for this Site, are owned by CompareLend, 2015, all rights reserved. You cannot re-transmit, print or photocopy the materials on this Site for re-distribution in any medium without the written permission of CompareLend.
 

Third Party Disclaimer

Throughout our Site, we may provide links to third party-sites maintained by third parties. We also allow our users to be directed to the compared P2P lending offers available through our search results pages. Our linking to such third-party sites does not imply any endorsement of the information, offers, products or services offered on or through the site. In addition, neither we nor our parent or subsidiary companies nor any of our respective affiliates operate or control in any respect any information, products or services that third parties may provide on or through the Site or on websites linked to by us on the Site.
 

Warranties

THE INFORMATION, PRODUCTS AND SERVICES OFFERED ON OR THROUGH THE SITE ARE PROVIDED "AS IS" AND WITHOUT WARRANTIES OF ANY KIND EITHER EXPRESS OR IMPLIED. TO THE FULLEST EXTENT PERMISSIBLE PURSUANT TO APPLICABLE LAW, COMPARELEND DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE. COMPARELEND DOES NOT WARRANT THAT THE SITE OR ANY OF ITS FUNCTIONS WILL BE UNINTERRUPTED OR ERROR-FREE, OR THE SERVERS THAT MAKE IT AVAILABLE, ARE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS.
 

Limitation of Liability

UNDER NO CIRCUMSTANCES, INCLUDING, BUT NOT LIMITED TO, NEGLIGENCE, WILL COMPARELEND BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL OR CONSEQUENTIAL DAMAGES THAT RESULT FROM THE USE OF, OR THE INABILITY TO USE, THIS SITE, INCLUDING ITS MATERIALS, PRODUCTS, OR SERVICES, OR THIRD-PARTY MATERIALS, PRODUCTS, OR SERVICES MADE AVAILABLE THROUGH THIS SITE, EVEN IF COMPARELEND IS ADVISED BEFOREHAND OF THE POSSIBILITY OF SUCH DAMAGES. BECAUSE SOME STATES OR COUNTRIES DO NOT ALLOW THE EXCLUSION OR LIMITATION OF CERTAIN CATEGORIES OF DAMAGES, THE ABOVE LIMITATION MAY NOT APPLY TO YOU. IN SUCH STATES OR COUNTRIES, COMPARELEND LIABILITY AND THE LIABILITY OF ITS SUBSIDIARIES, PARENT COMPANIES AND AFFILIATES, IS LIMITED TO THE FULLEST EXTENT PERMITTED BY SUCH STATE LAW. IF YOU ARE DISSATISFIED WITH THE SITE, OR ANY MATERIALS, PRODUCTS, OR SERVICES ON THE SITE, OR WITH ANY OF THE SITE'S TERMS AND CONDITIONS, YOUR SOLE AND EXCLUSIVE REMEDY IS TO DISCONTINUE USING THE SITE.
 

Indemnification

You agree to indemnify and hold harmless CompareLend and each of its and their respective directors, officers, managers, employees, shareholders, agents, representatives and licensors, from and against any and all losses, expenses, damages and costs, including reasonable attorneys' fees, that arise out of your use of the Site, violation of these Terms of Use by you or any other person using your account, or your violation of any rights of another. We reserve the right to take over the exclusive defense of any claim for which we are entitled to indemnification under this section. In such event, you agree to provide us with such cooperation as is reasonably requested by us.
 

Assignment

These Terms of Use are personal to you and you may not assign it to anyone. These Terms of Use are not intended to benefit any third party, and do not create any third party beneficiaries. Accordingly, these Terms of Use may only be invoked or enforced by you or us.
 

Headings

The section headings in these Terms are for convenience only and have no legal or contractual effect.
 

 Survival

Any protection of intellectual property rights, any of your representations and warranties and any limitations on liability explicitly set forth herein, shall remain in full force and effect notwithstanding any termination of your use of the Site.
 

Severability

If any provision of these Terms is found by a court of competent jurisdiction to be invalid or unenforceable, any other provisions of these Terms of Use will continue in full force and effect and you agree that the court should endeavor to give maximum effect to the parties’ intentions as reflected in the provision.
 

Waiver

Any waiver of any provision of these Terms will be effective only if made in writing and signed by CompareLend; any delay or failure of CompareLend to exercise or enforce any right or provision of these Terms of Use shall not constitute a waiver of such right or provision.
 

Notices

We are permitted to send notices to you by posting a notice on the Site (deemed received on your accessing the Site) or via e-mail to the address that you provided (deemed received on the following day).
 

Governing Law and Jurisdiction

These Terms of Use will be governed by and construed in accordance with the law of France.

Any dispute relating in any way to your use of the Site shall be submitted to courts of Paris if no amicable settlement can be found between you and CompareLend.