Terms and Conditions
Welcome to Pheabs.com (hereinafter “Company”). These are the Terms and Conditions applicable when using the Company’s website (hereinafter “Service”) or their loan connection service (also hereinafter “Service”). These Terms and Conditions are applicable to Service users (hereinafter “You” / “Your”).
It is important for Service users to carefully read these Terms and Conditions before accessing the Company’s website. By using our website, You are acknowledging that you have both read and agree to these Terms and Conditions, and are legally bound by all such Terms and Conditions contained throughout this page.
Pheabs, the Company, is a broker, not a lender, and so do not make any decisions on the credit or loans You find through our Services. Therefore, this website should not be considered in any way as an offer to lend, everything on the site should instead be considered as commercial advertisement.
The Company’s loan application process is used to connect You with suitable lenders, based off of the information you provide in our submission form.
Lenders won’t always offer the same deals, and so may vary in their offering of loan amounts, terms, or interest rates. The credit and cash transfer times may also vary between lenders. In certain circumstances, You may be required to provide additional verifications and documentation.
You understand that in order to help assess Your submission, lenders might access Your credit report. Completing the Company’s submissions form does not mean You are guaranteed loan approval.
If a lender offers You a loan, You should contact them individually with any questions about the loan. If offered a loan, all of the terms that apply are not from Pheabs, but from the lender that has offered it, and you should read these terms through thoroughly before progressing further with the offer. The Company holds no responsibility in terms of the offers You receive from lenders.
Short term types of lending, including emergency cash loans, installment loans and payday loans are meant only for short term financing needs, and therefore should not be considered for long term use.
Use of Service
The Company’s Service is free to use. The Company might receive compensation from Suppliers by providing them with services, facilities or goods – this is under separate contact. These offerings to Suppliers may be related to Your using of the Company’s Service, however equally may not. Regardless of whether or not this is related to your use of our services, You agree to such compensation arrangements.
Warranty and Liability Limitations
This Service, alongside the associated products, software, information and services are provided “as is”.
The Company disclaims absolutely any kind of warranty regarding any matter related at all to the Service, and any products, software, information or services provided herein. This includes without limitation the warranties of title, merchantability, non-infringement, or fitness for a particular purpose.
The Company makes no warranty regarding the results You could receive when using this Service, or for the associated products, software, information and services.
The Company will not be liable for the following:
– Direct, indirect, consequential, incidental, punitive or special damages/injury that is connected with use of the Service in any way.
– The delay or inability to use the Service.
– For any products, software, information or services You obtain via either this service or arising from use of this service.
This also applies to participating advertisers or lenders, or their directors, officers, subsidiaries, agents, employees, affiliates, assigns, successors, services providers or content providers.
This is the case even if the Company, or participating lenders, have already been advised that there is a possibility for damages.
In some states, the disclaimer of implied warranties and limitation of liability is not allowed. Therefore, these limitations and disclaimers might not apply if You are in certain states. In these states, the Company’s respective liability, as well as their participating lenders, or their directors, officers, subsidiaries, agents, employees, affiliates, assigns, successors, services providers or content providers, are limited to the greatest extent that the law permits.
We endeavour to protect the personal information You provide us with. However, we cannot guarantee its security, or that it will not be decrypted or intercepted by others. The Company is not responsible for decryption or interception of such.
The Company makes use of web server logs and “cookies”. Both web server logs and cookies are used to help the Company collect useful information on our Service usage. This can include the following:
- Time spent on the Company’s Service
- The date and time of visits
- Pages viewed on the Company’s website
- The website You visited just before visiting the Company’s
- The website visited just after visiting the Company’s
Cookies will not provide information that could identify You on a personal level. They are a web browser software feature that enables web servers to recognise what computer was used when accessing a website.
Cookies are essentially a small piece of data, stored on Your hard drive by Your web browser. They should help to make You have a more personalized online experience.
You both acknowledge and authorize the following:
– The Company will acquire consumer and other related information on You, and that this will be obtained from one or more consumer reporting agencies. This will be done for the purpose of connecting You to lenders/service providers.
– This information might be sent on Your behalf to lenders/service providers.
– This information could be used to validate Your identity, find out the amount of debt You are currently in – helping to determine the debt-income ratio You hold.
– Lenders/service providers may acquire consumer reports and other such related information on You. They may acquire this through one (or more) consumer reporting agencies.
– Your information could be used in order for lenders/service providers to make decisions on credit and prequalification.
As a condition of using this Service, You agree to indemnify the Company from and against liabilities, damages, losses, costs and expenses that arise from, relate to, or result from using or attempting to use this Service. In this, You also agree to indemnify any additional company providing services within the operation of this Service of the same liabilities, damages, losses, costs and expenses.
Disputes and Resolutions
For any disputes regarding these Terms and Conditions, or our services, You agree to submit this before the American Arbitration Association for resolution by arbitration. You will have to file a Demand for Arbitration in the county You live in. The arbitrator has exclusive authority to resolve disputes, this includes claims that these Terms and Conditions are unenforceable, either in whole or in part.
If you have any questions or concerns regarding these Terms and Conditions, you can get in touch via our contact us page. Alternatively, please use the contact details provided below:
515 E Las Olas Boulevard