Terms of Use

The company, Napayshni LLC is conducting business under the name (“”, or “we”, or “our”), operates and owns the website (the “site”). maintains and provides this site for your information, on the condition on your acceptance, without any modification, of the notices, terms and conditions contained in these Terms of Use and within our Privacy Policy. When you access and use the site, you agree to and accept without limitation the following:

PRODUCTS AND SERVICES

is not in itself a lender and is therefore takes no responsibility for any lending product we advertise or offer to you, or for any credit decisions that are made about you. There are no specific loan products offered to you on this site. All specific loan products will be offered to you directly from the lender.

ESIGN CONSENT

You agree that by clicking “Get Started” (or any similar button you use to submit a request to be connect with a lender) it acts as your electronic signature. You grant further consent that we and any lender we forward your request to have the ability to communicate with you electronically and we may provide you electronically with any required disclosures, including without any limitation notices of adverse action a lender is required to send you. Meanwhile, you also confirm you have the ability to get access to documents electronically, including having the ability to view and save PDF files.

LOAN INQUIRY POLICY

reserves the right to reject an inquiry from you at any time for any reason that is not prohibited by law. may require verification or additional information before a loan request from you is accepted. After submitting your information via a form on our site, you will then be connected with a lender to be further considered based on the policies and procedures of the lender. This does not mean that your loan has been approved. Approval of loans is solely the decision of the lender. takes no responsibility for taking, approving or denying any loan request made by you. When you submit your information, you then agree if we are unable to find a lender that offers the type of loan you requested initially, we will then search our lender network to ascertain whether we can find alternative lenders with different loan products that may help you.

CREDIT REFERENCES

Participating lenders in our network may then verify your social security number, the number of your driver’s license or any other official federal or state identification, as well as review your credit history through national databases which may include Transunion, Equifax, Experian and other credit check agencies. When you submit your information to us, you agree to lenders having the ability to obtain these type of credit reports and to verifying your information.

RESTRICTIONS

To submit a loan request you must be 18 years old or older and a legal resident of the United States. You also agree not to use this site for any inappropriate or illegal activities.

COMPLIANCE WITH LAWS

You agree to abide by all applicable federal or state laws, statutes, regulations and ordinances regarding your use of this site and in your acceptance of, or purchase of products or services via any of this site’s third-party vendors. may, at its sole discretion, report perceived or actual violations of law to authorities. If any potential or suspected violation of these Terms of Use or of our Privacy Policy come to our attention, we may (although not obligated to) launch an investigation to ascertain the nature and extent of the potential or suspected violation and then the appropriate enforcement action may be taken. During such investigations, we reserve the right to suspend services to any customer under investigation and may remove data from our servers as a way to prevent or minimize further violations from occurring. Should you be the subject of any such investigation, you agree to cooperate fully. You acknowledge you could be subject to criminal or civil penalties for violating the Terms of Use or Privacy Policy.

INTELLECTUAL PROPERTY

All trademarks, characters, titles, graphics, trade names, designs and other property, including all text, images and software, which appear on this site are the intellectual property of , its licensees, and other third parties who may have authorized use of such properties.

You have the permission to view and make copies for your own records of documents, images, pages or other material or content on this site for the sole purpose of making a loan request. reserves all other rights to this site and its contents. You are prohibited from distributing, displaying, transmitting or disseminating any documents, pages, images, materials or content without our prior consent in writing. Nothing this site contains should be construed as conferring any rights or licenses to any trademark, copyright or any other intellectual property right.

LIMITATION OF LIABILITY AND DISCLAIMER OF WARRANTIES

uses all commercially reasonable efforts to ensure the information on this site is accurate, but that accuracy is not guaranteed. offers no representations regarding your use of this site or the results you may or may not obtain through your use.

NEITHER NOR ANY OTHER PARTY INVOLVED IN CREATING, DELIVERING OR PRODUCING THIS SITE SHALL BE DEEMED LIABLE FOR ANY DIRECT, INDIRECT, CONSEQUENTUAL, INCIDENTAL, SPECIAL OR PUNITIVE DAMAGES THAT ARISE OUT OF YOUR ACCESS TO, OR USE OF, THIS SITE. EVERYTHING PROVIDED ON THIS SITE IS “AS IS” AND WITHOUT CARRYING A WARRANTY OF ANY DESCRIPTION, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO, ANY FITNESS FOR A PARTICULAR PURPOSE, WARRANTY OF MERCHANTABILITY OR NON-INFRINGEMENT THAT MAY BE IMPLIED. THESE LIMITATIONS AND EXCLUSIONS ARE APPLIED TO THE FULLEST EXTENT PERMITTED BY LAW.

THIRD PARTY CONTENT

This site may contain links to third party websites. is not responsible for the privacy policies or content of third party websites, and the existence of such links should not be considered to be a recommendation or endorsement of those websites, or the products or services offered or any third parties that are associated with those websites.

PRIVACY

’s Privacy Policy, incorporated herein by reference, is applicable to any data supplied via this Site. The Privacy Policy clarifies your rights and our responsibilities in regards to your personal information. undertakes not to use your information in any way that is inconsistent with the limitations and purposes provided in the Privacy Policy. reserves the right, at its sole discretion, to modify the Privacy Policy at any time without prior notice to you. Modifications made to the Privacy Policy are effective from when posted and your continued use of this site signifies you accept such modifications.

SECURITY

protects your personal information using industry-recognized technology. Although takes all commercially reasonable measures to secure your personal information when submitted through this site, cannot offer a guarantee your information will not be decrypted or intercepted by others. So long as uses all commercially reasonable security measures, it accepts no responsibility for such decryption or interception except as required by law.

SITE USE

does not charge any fees for you to use this Site or our marketplace service. is not acting as an agent for (a) you, (b) any lender or (c) any vendor or supplier used to evaluate your loan inquiry or any other use of this site. may receive compensation for its services from lenders and other third parties.

LAW AND VENUE

is owned and operated by Napayshni LLC, a limited liability company based in Charlestown, Nevis. By using this site or by engaging with in any way, you consent to abide by the laws and jurisdiction of Charlestown, Nevis. Both these Terms of Use and the Privacy Policy will be governed by and construed in accordance with Charlestown, Nevis laws, without regard to conflict of law provisions. Any legal action brought against (which must come via binding arbitration as set forth below) will be governed by the laws of Charlestown, Nevis and you agree that the sole venue and jurisdiction for disputes resolution will be in Charlestown, Nevis.

BINDING ARBITRATION

Should any dispute arise regarding the interpretation of any provision or term contained in these Terms of Use or with regard to any of your dealings with or dealings with any lender you thus borrow from as a result of ’s service, all issues shall be decided by binding arbitration. Arbitration proceedings shall be conducted under all the applicable rules of the American Arbitration Association or JAMS in Charlestown, Nevis. The decision of the arbitrator shall be binding and final on both parties. The prevailing party then shall be entitled to recover the costs of arbitration, travel expenses, expert testimony expenses, travel expenses of experts, and all other expenses reasonably incurred in bringing about or defending an arbitration claim, from the other party unless it is otherwise prohibited by law.

MODIFICATION

reserves the right to modify these Terms of Use occasionally and without prior notice to you. Your use of this site after such modification take place constitutes your agreement to and acceptance of any new or amended terms.

INDEMNIFICATION

By using this site, you agree to defend, indemnify and hold harmless , any of its subsidiaries, affiliates, agents, officers and other partners and employees, from any liability, loss, claim or demand, including reasonable attorneys’ fees, made by any third party arising out of or due to your use or attempted use of the site.

VIOLATION OF THE TERMS OF USE

By using the site, you agree and understand at its sole discretion and without prior notice to you may terminate your access to this site and therefore to any services offered, and it may remove any content you have provided if believes such content is inconsistent with or violates these Terms of Use or the Privacy Policy or their intent, or that such content may be disruptive, offensive or even in violation of applicable laws.

CLASS ACTION WAIVER

ANY PROCEEDINGS TO RESOLVE, ARBITRATE OR LITIGATE ANY DISPUTE IN ANY FORUM WILL BE CONDUCTED SOLELY ON A CASE-BY-CASE BASIS. NEITHER YOU NOR WILL SEEK TO HAVE A DISPUTE HEARD AS A CLASS ACTION, OR A PRIVATE ATTORNEY GENERAL ACTION, OR IN ANY OTHER PROCEEDING IN WHICH EITHER PARTY WILL ACT OR PROPOSES TO ACT IN A REPRESENTATIVE CAPACITY. NO PROCEEDING OR ARBITRATION WILL BE COMBINED WITH ANOTHER WITHOUT THE PRIOR WRITTEN CONSENT OF ALL THE PARTIES TO ALL AFFECTED PROCEEDIGNS OR ARBITRATIONS. FURTHERMORE, YOU AGREE YOU WILL NOT SEEK TO HAVE ANY DISPUTE AGAINST ANY LENDER TO WHOM YOU ARE REFERRED ON TO HEARD AS A CLASS ACTION, OR A PRIVATE ATTORNEY GENERAL ACTION, OR IN ANY OTHER PROCEEDING IN WHICH EITHER PARTY WILL ACT OR PROPOSES TO ACT IN A REPRESENTATIVE CAPACITY. THIS CLASS ACTION WAIVER MAY BE LIMITED BY APPLICABLE LAW, BUT IT IS INTENDED TO BE ENFORCED TO THE FULL EXTENT PERMITTED BY LAW.

MISCELLANEOUS

Any reference to includes Napayshni LLC. All rights that are not expressly granted to you are reserved for . The headings used in these Terms of Use are intended for ease of reference only, and shall not affect the interpretation and construction thereof. ’s failure to enforce or insist upon strict performance of any Terms of Use provision shall not be construed as a waiver of such provision or any future provision or right. If any provision of these Terms of Use is held to be unenforceable or invalid, such determination shall not affect such provision of the terms in any other respect or any other provision contained in these Terms of Use, which shall still remain in full effect and force. These Terms of Use together with the Privacy Policy constitute the full understanding and agreement between the parties with respect to the subject matter contained herein and replaces and supersedes any and all prior written or oral agreements related hereof to the subject matter.

CONTACT INFORMATION:

Company name: Napayshni LLC
Address: Springates Building, Lower Government Road, Charlestown, Nevis
Email Address: Support

INFORMATION FOR ISPs:

Website: www.
Email Address: Support

PLEASE NOTE SHOULD YOU HAVE ANY QUESTIONS PERTAINING TO YOUR LOAN REQUEST STATUS, YOU MUST CONTACT YOUR LENDER DIRECTLY. IS NOT YOUR LENDER AND CANNOT ACCESS INFORMATION ABOUT YOUR LOAN APPROVAL OR STATUS.

NOTICE AND TAKE DOWN PROCEDURES

If you have cause to believe any materials accessible on or from the site are infringing your copyright or other intellectual property, you may request for the removal of those materials (or access thereto) from the site by making contact with our copyright agent ( details below) and provide the following information:

Identification of the copyrighted work you believe to have infringed. Please describe the work, and wherever possible include a copy of the work or the location (for example, the URL) of an authorized version.

  1. Identification of the material you believe to be infringing and its location.
  2. Please provide a description of the material, and provide a URL address or any other pertinent information that will allow the material to be located.
  3. Your name, address, telephone number and email address.
  4. A statement from you that in good faith you believe the complaint of use of the materials is not permitted by the owner of the copyright, its agent, or the law.
  5. A statement your submission is accurate and "under penalty of perjury" you are the owner of the copyright or the owner’s authorized agent.
  6. A signature or the equivalent electronically from the copyright holder or authorized agent.

Send all of the above information to the following:

Legal Department
Email Address: Legal

For all email submissions, please include the following in the subject line: DMCA Takedown Request.