These Terms of Service (“Terms”) govern your access to and use of southshorecu.org (the “Website”, “we”, “us”, or “our”), including all online services, mobile applications, software, and any communications via phone, email, text, or other means (collectively, the “Service”). By accessing or using the Service in any manner, you acknowledge that you have read, understood, and agree to be bound by these Terms and by the collection and use of your information as described in the southshorecu.org Privacy Policy. These Terms apply to all visitors, users, and others who access or use the Service (“Users”).
Please read these Terms carefully. If you do not agree to any part of these Terms, you must not access or use the Website or the Service.
Important Notice: By submitting your loan request form for a financial product through this Website, you authorize us to share your personal information with our marketing partners and third-party lenders (“Service Providers”). You also authorize these Service Providers, under the Fair Credit Reporting Act (FCRA), to obtain your credit report, credit score, and other related information from one or more consumer reporting agencies in order to verify your identity and provide prequalified credit offers.
1. Modification of Terms
We may update or revise these Terms from time to time at our sole discretion. Your continued use of the Website after such changes constitutes your agreement to be bound by the updated Terms. We may modify, relocate, delete, or discontinue portions of the Website and/or Service at any time, temporarily or permanently, with or without notice. We are not liable to you or any third party for any modification, suspension, or discontinuation of the Website or Service.
2. Your Access to and Use of the Website
You may only use the Website if you are a resident of the United States and at least 18 years of age. We reserve the right to terminate, restrict, or suspend your access to any portion or the entirety of the Website at our discretion. The Website is free to use and does not charge any fee for accessing the Service or upon successful completion of a loan. Access may be interrupted due to technical issues, maintenance, or updates.
3. Services and Content Provided on the Website
The Website provides access to certain financial products and Service Providers (“Site Services”) and content provided by us or third parties (“Site Content”).
3.1 Request to be Connected
The Website may allow you to submit a request to be connected with Service Providers. The Website acts solely as a marketing lead generator. We are not a broker, lender, creditor, or issuer of any products listed on the Website. We do not make decisions regarding the products or services offered by Service Providers and do not make any loan or credit decisions. We are not an agent of you or of any Service Provider. We may receive a marketing fee from Service Providers for connecting you.
3.2 No Guarantee of Loan or Credit
We cannot guarantee that you will be connected to any Service Provider, that a loan or credit offer will be extended to you, or that any terms offered by Service Providers are the best or lowest available. Offers are subject to approval, qualification, and market conditions. Loan rates and fees depend on your credit profile and other factors. Any transaction with a Service Provider is solely between you and that Service Provider, and may require additional information or documentation.
3.3 Transfer of Your Information
By submitting a request, you consent to share your information, including your full Social Security number, with Service Providers to evaluate loan eligibility. Service Providers may retain your information even if no product or service is offered. You should contact the Service Providers directly if you wish to stop receiving communications from them.
3.4 No Endorsements or Recommendations
We strive to work with reputable Service Providers, but we strongly recommend that you perform your own due diligence before entering into any agreement. Once connected, we are not involved in transactions between you and Service Providers and do not endorse any specific products, opinions, or Site Content.
Disclaimer: The Website is not responsible for any acts or omissions of Service Providers, including quotes, services, contact, or performance.
4. No Substitute for Professional Advice
All Site Content and Site Services are provided for informational purposes only. They are not intended as a substitute for professional advice and should not be interpreted as providing recommendations. You should not rely solely on any information on the Website to make financial decisions. We are not responsible for the accuracy, completeness, or reliability of any Site Content or Services. The Site Content is not exhaustive and may not reflect the most current information. It is your responsibility to independently evaluate all information and seek advice from qualified professionals before making financial decisions.
5. Disclaimer of Warranties
The Website is provided “as is” without any warranties of any kind, express or implied. To the fullest extent permitted by law, we disclaim all warranties, including but not limited to implied warranties of merchantability, non-infringement, and fitness for a particular purpose. Your use of the Website is at your sole risk. You are responsible for all costs related to servicing or repairs of any equipment used in connection with the Website. We do not warrant that the Website, its servers, or communications from us are free from viruses or harmful components.
6. Your Consent to Receive Telemarketing Calls and SMS Messages
By using the Website, you agree to receive calls and text messages from us and our Service Providers, which may include pre-recorded messages or auto-dialed calls. You may opt-out, but doing so may limit your access to products, services, or offers. Standard mobile service fees may apply. Calls may be monitored or recorded for quality purposes. You agree that the contact information you provide is accurate and that you are the owner or primary user of any phone number submitted. You agree to indemnify and hold us harmless from claims arising from inaccurate information, unauthorized phone numbers, or violation of applicable laws.
7. Your Consent to Electronic Communication (E-Consent)
By using the Website or sending emails, you consent to receive communications electronically. All agreements, notices, disclosures, or communications provided electronically meet any legal requirements to be in writing. If you submit a request to connect with Service Providers, they may also require your consent to receive communications electronically, which you agree to under this E-Consent.
8. Indemnity
You agree to indemnify, defend, and hold harmless the Website, its affiliates, officers, employees, and Service Providers from any claims, losses, or liabilities (including attorney fees) arising from your use of the Website, violation of these Terms, or infringement of any intellectual property or other rights. The Website is not responsible for offensive, false, harmful, or deceptive content provided by users or Service Providers.
9. Limitation of Liability
The Website will not be liable for any damages arising from your use of the Website, including direct, indirect, incidental, punitive, or consequential damages. Some states do not allow the limitation of certain damages, so some disclaimers may not apply to you.
10. Third-Party Websites
The Website may include links to third-party websites or information about third-party services. We are not responsible for the content, accuracy, or actions of these third parties. Use of third-party websites is at your own risk, and you agree not to hold the Website liable for any outcomes related to accessing or using third-party websites.
11. Dispute Resolution
Agreement on Dispute Resolution
Any disputes arising from use of the Website or these Terms shall be resolved exclusively under this Dispute Resolution Agreement.
No Lawsuits Except Small Claims and No Class Actions
You agree not to file or participate in lawsuits or class actions except as allowed under small claims procedures.
Informal Dispute Resolution
You must first attempt to resolve any dispute by contacting us at support@southshorecu.org. If not resolved within 30 days, you may pursue a small claims court action or arbitration.
Arbitration
If the dispute is not resolved via small claims, it will be resolved exclusively through individual binding arbitration under the American Arbitration Association (AAA) Commercial Arbitration Rules. The arbitrator’s decision is final and enforceable in court. Arbitration will not award attorney fees or punitive damages, and you waive the right to a jury trial.
Federal Arbitration Act
This arbitration agreement is governed by the Federal Arbitration Act, 9 U.S.C. §§ 1-16.
12. License
The Website and its content are for personal, non-commercial use. You may not:
- Resell or commercially exploit the Website or its content
- Collect or use product or service listings, descriptions, or prices
- Create derivative works
- Use data mining, robots, or similar tools
- Frame, copy, or use hidden text with the Website name or trademarks without consent
You are granted a limited, revocable, non-exclusive license to link to the Website home page, provided it does not portray the Website falsely or offensively.
13. Termination
We may terminate this Agreement at any time without notice if you violate these Terms. Upon termination, you must stop using the Website and destroy any downloaded content.
14. Survival
Sections on Disclaimer of Warranties, Indemnity, Limitation of Liability, and Dispute Resolution survive any termination of this Agreement.