Important Disclosures. Please Read Carefully.
BY USING THE SERVICE, YOU ARE AGREEING TO WAIVE YOUR RIGHT TO APPRISE YOURSELF OF JUDICIAL PROCESS, INCLUDING CLASS ACTION LAWSUITS, FOR ANY AND ALL DISPUTES, CLAIMS OR CONTROVERSIES YOU MAY HAVE AGAINST COMPANY, ITS MARKETING PARTNERS AND ITS AFFILIATES TO THE GREATEST EXTENT ALLOWED BY APPLICABLE LAW. THIS INCLUDES AGREEING TO RESOLVE ANY TELEPHONE CONSUMER PROTECTION ACT (TCPA) AND/OR DO-NOT-CALL (DNC) CLAIMS BY BINDING ARBITRATION ON AN INDIVIDUAL BASIS.
WELCOME! You have arrived at a website provided by MyFundTastic.com “Company”, “we”, “our”, or “us”). These Terms and Conditions (“Terms”) govern your use of MyFundTastic.com including both mobile and online versions), and apply to all features, applications, content, downloads, and other services offered through the site (collectively referred to as the “Site”). By accessing or using the Site, confirm that you have read and understand these Terms, and that you agree to comply with these Terms and all applicable laws and regulations. In these Terms, “you” and “your” refer to each customer or Site visitor. These Terms shall be enforceable by Company as well as its Marketing Partners (as disclosed within the source opt-in page and any hyperlink) and affiliates. You acknowledge that Company’s Marketing Partners and affiliates shall be considered third-party beneficiaries to all rights and benefits outline within these Terms as well as the Privacy Policy and any claim or defense available to Company shall similarly be available to Company’s Marketing Partners and affiliates, including but not limited to the enforcement of the waiver of class action lawsuits and binding arbitration provisions. For avoidance of doubt, you acknowledge that Company’s Marketing Partners and affiliates may enforce any provision within these Terms of the Privacy Policy wherein Company (including any reference to “we”, “our”, or “us”) is referenced.
This service is not available in all states. If you request a loan in a particular state where such loans are prohibited, or in a location where MyFundTastic.com does not have an available lender, you will not be connected to a lender. In some cases, you may be given the option of obtaining a loan from a tribal lender. Tribal lenders are subject to tribal and certain federal laws while being immune from state law including usury caps. If you are connected to a tribal lender, please understand that the tribal lender’s rates and fees may be higher than state-licensed lenders. Additionally, tribal lenders may require you to agree to resolve any disputes in a tribal jurisdiction. You are urged to read and understand the terms of any loan offered by any lender, whether tribal or state-licensed, and to reject any particular loan offer that you cannot afford to repay or that includes terms that are not acceptable to you.
Some lenders and/or financial services might request your home as collateral. If you can't make the payments, you could lose your home as well as the equity you've built up. Talk to an attorney, financial advisor, or someone else you trust before you make any decisions about borrowing money using your home as collateral.
The purpose of shorter duration loans is to provide the borrower temporary financial relief. Such loans are not a long-term financial solution. Persons facing serious financial difficulties should consider other alternatives or should seek out professional financial advice.
This website is not an offer to lend. MyFundTastic.com is not a lender and does not make loan or credit decisions. MyFundTastic.com connects interested persons with a lender from its network of approved lenders. MyFundTastic.com does not control and is not responsible for the actions or inactions of any lender, is not an agent, representative or broker of any lender, and does not endorse any lender. MyFundTastic.com receives compensation from its lenders, often based on a ping-tree model similar to Google AdWords where the highest available bidder is connected to the consumer. Regardless, MyFundTastic.com’s service is always free to you.
By submitting your information via this website, you are providing express written consent under the Fair Credit Reporting Act for MyFundTastic.com and its partners, including each lender to whom we transmit your information, to obtain, in response to your inquiry, a credit check or consumer report from a consumer reporting agency.This credit check may include verifying your social security number, driver license number or other identification, and a review of your creditworthiness. Credit checks are usually performed by one of the major credit bureaus such as Experian, Equifax and TransUnion, but also may include alternative credit bureaus such as Teletrack, DP Bureau or others, and can include a hard pull, which may impact your credit score. You are also authorizing MyFundTastic.com to share your information and credit history with a network of approved lenders and lending partners.
Furthermore, by Clicking “Submit Loan Request” you are providing express written consent and allow MyFundTastic.com, our partners, subsidiaries, and/or agents contact you using automated methods (automatic dialing systems, artificial or prerecorded voice messages, text messages and emails) to send marketing calls or text to your number that you provided, even if provided number is on a do not call list. Your consent is not a condition to get a loan, or any other services offered by lenders and related providers (like pre-paid cards, debt relief, title loan) in our network. You can opt-out from communications at any time. For SMS campaigns: Text STOP to cancel and HELP for help.
Arbitration
Arbitration offers an alternative to litigation, providing a more efficient means of resolving disputes. It resembles litigation but takes place outside the court system, using an independent arbitrator rather than a judge or jury. Agreeing to arbitration for any and all disputes, claims or controversies you may have against Company, its marketing partners, and affiliates is a required condition for using the Site or any of our services.
If you have any dispute concerning any aspect of these Terms and Conditions, the MyFundTastic.com website, its content, your consent, any alleged violation of the TCPA or DNC, your user content, or any of our services (“Dispute”), you agree to first attempt to resolve the Dispute informally before initiating arbitration. If a Dispute cannot be resolved informally, it will be settled by binding arbitration administered by the American Arbitration Association (“AAA”) or, at Company’s election, by Judicial Arbitration and Mediation Services, Inc. (“JAMS”), following the applicable rules of the selected forum. You can find information about AAA at www.adr.org and about JAMS at www.jamsdr.com.
If arbitration is initiated, the Company will cover the costs for the arbitrator and the arbitration forum. The arbitrator shall be independent and neutral, with no financial or personal ties to the Company, its marketing partners, or affiliates. Each party will be responsible for its own attorneys’ fees unless otherwise required by law or as awarded by the arbitrator. Arbitration under this section will be governed by the Federal Arbitration Act (“FAA”) (9 U.S. Code §§ 1-16), regardless of any substantive law provisions in these Terms. The arbitrator’s decision will be final and binding on both parties.
Opt-Out of Arbitration/Class Action Waiver
The Terms & Conditions do not constitute a waiver of any of your rights or remedies to pursue a claim individually and not as a class action in binding arbitration as provided above. This provision preventing you from bringing, joining or participating in class action lawsuits is an independent agreement. You may opt-out of these Arbitration Provisions by providing written notice of your decision to opt out within thirty (30) days of the date that you first register on the MyFundTastic.com
Class Action Waiver
YOU ACKNOWLEDGE AND AGREE THAT, VIA YOUR ACCEPTANCE OF THESE DISPUTE RESOLUTION PROVISIONS, YOU WAIVE ANY RIGHT TO A JURY TRIAL, AS WELL AS YOUR RIGHT TO BRING, JOIN OR PARTICIPATE AS A PLAINTIFF OR A CLASS MEMBER IN A CLASS ACTION SUIT OR MULTI-PARTY ARBITRATION BROUGHT AGAINST US, ANY PERSON RELATED TO US OR A SERVICE PROVIDER USED BY US TO PROVIDE THE SERVICE. YOU, THE COMPANY, AND COMPANY’S MARKETING PARTNERS AND AFFILIATES AGREE TO FILE ONE ARBITRATION THAT INCLUDES ALL YOUR DISPUTES AND JOINS ALL KNOWN DISPUTES. YOU, THE COMPANY, AND COMPANY’S MARKETING PARTNERS AND AFFILIATES AGREE THAT ANY ACTION YOU BRING WILL BE INDIVIDUAL AND NOT ON A CLASS, CONSOLIDATED, REPRESENTATIVE, OR COLLECTIVE BASIS, WHETHER IN ARBITRATION OR COURT. ARBITRATION MUST BE ON AN INDIVIDUAL BASIS. EACH PARTY WAIVES JOINING OR CONSOLIDATING CLAIMS IN ARBITRATION BY OR AGAINST THE OTHER PARTY OR LITIGATING IN COURT OR ARBITRATING ANY CLAIMS AS A REPRESENTATIVE MEMBER OF A LCASS OR IN A PRIVATE ATTORNEY GENERAL CAPACITY. THE ARBITRATOR SHALL NOT HAVE AUTHORITY TO FORM A CLASS OR PROCEED ON A COLLECTIVE BASIS. THERE SHALL BE NO RIGHT OR AUTHORITY FOR ANY DISPUTE TO BE ARBITRATED ON BEHALF OF THE GENERAL PUBLIC OR OTHER SIMILARLY SITUATED PERSONS OR ENTITIES. IF A COURT WITH COMPETENT JURISDICTION FINDS THIS RESTRICTION UNCONSCIONABLE OR UNENFORCEABLE, THEN THE AGREEMENT TO ARBITRATE WILL NOT APPLY, AND THE DISPUTE MUST BE BROUGHT EXCLUSIVELY IN COURT AS PROVIDED IN THE VENUE SECTION BELOW.
Venue
If, and only if, a court of competent jurisdiction finds that the “Arbitration” clause and “Waiver of Class Action Lawsuits” clause provided above are unenforceable and that Your claim may proceed via judicial process, You hereby irrevocably agree to exclusively submit to the jurisdiction of any state court sitting in Mississippi for purposes of all legal proceedings arising out of or relating to this Agreement. Each party hereby irrevocably waives any right to file or remove to federal court any action or proceeding arising out of any dispute, claim or controversy (collectively “Disputes”), connected with or relating to Your interactions with Company, its Marketing Partners and affiliates. Each Party irrevocably waives, to the fullest extent permitted by law, any objection that it may now or hereafter have to the laying of venue of any such proceedings brought in a state court in Mississippi, and any claim that any such proceedings brought in a state court in Mississippi have been brought in an inconvenient forum. These waivers are to the fullest extent permitted by law. If the state court in Mississippi finds that venue is not proper in Mississippi, You hereby irrevocably agree to exclusively submit to the jurisdiction of any state court sitting in Miami-Dade County, Florida for purposes of all legal proceedings arising out of or relating to this Agreement. G. Jury Trial Waiver . TO THE EXTENT ANY CLAIM IS PERMITTED TO PROCEED IN COURT RATHER THAN THROUGH ARBITRATION, YOU AND COMPANY EXPRESSLY WAIVE THE RIGHT TO HAVE ANY DISPUTE (AS DEFINED IN THESE TERMS) HEARD BY A JURY IN STATE OR FEDERAL COURT.
Small Claims Waiver
NOTWITHSTANDING THE FOREGOING, EITHER PARTY MAY BRING A DISPUTE ON AN INDIVIDUAL BASIS IN A SMALL CLAIMS COURT OF COMPETENT JURISDICTION, PROVIDED THE CLAIM QUALIFIES FOR SUCH COURT.
Lender’s Disclosure of Terms.
The lender you are connected to will provide documents that contain all fees and rate information pertaining to the loan being offered, including any potential fees for late-payments and the rules under which you may be allowed (if permitted by applicable law) to refinance, renew or rollover your loan. Loan fees and interest rates are determined solely by the lender based on the lender’s internal policies, underwriting criteria and applicable law. MyFundTastic.com has no knowledge of or control over the loan terms offered by a lender. You are urged to read and understand the terms of any loan offered by any lender, whether tribal or state-licensed, and to reject any particular loan offer that you cannot afford to repay or that includes terms that are not acceptable to you.
Late Payments Hurt Your Credit Score
Please be aware that missing a payment or making a late payment can negatively impact your credit score. To protect yourself and your credit history, make sure you only accept loan terms that you can afford to repay. If you cannot make a payment on time, you should contact your lender immediately and discuss how to handle late payments.
