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Terms of Use

This page states the Terms and Conditions under which you may use this Web Site. Please read this page carefully. If you do not accept the Terms and Conditions stated here, do not use the Web site. KFF LLC ("KFF") may revise these Terms and Conditions at any time by updating this posting. You should visit this page periodically to review the Terms and Conditions, because they are binding on you. This page also contains disclaimers of warranties and liability.

KFF LLC, owners of shopezcredit.com which is incorporated in the State of Indiana. For purposes of this Agreement, "KFF" means KFF LLC

Use of Material

KFF authorizes you to view and download a single copy of the material on this Web site ("Web Site") solely for your personal, noncommercial use. Special rules may apply to the use of certain software and other items provided on the Web Site. Any such special rules are listed as Legal Notices on this Web Site and are incorporated into this Agreement by reference.

The contents of this Web Site, such as text, graphics, images and other material ("Material"), are protected by copyright under both United States and foreign laws. Unauthorized use of the Material may violate copyright, trademark, and other laws. You must retain all copyright and other proprietary notices contained in the original Material on any copy you make of the Material. You may not sell or modify the Material or reproduce, display, publicly perform, distribute, or otherwise use the Material in any way for any public or commercial purpose. The use of the Material on any other Web site or in a networked computer environment for any purpose is prohibited.

If you violate any of these Terms, your permission to use the Material automatically terminates and you must immediately destroy any copies you have made of the Material.

Financial Services

You represent and warrant to KFF that all of the information you have provided to us in your Application Form is true and complete. You authorize KFF:

  • to check your credit history;
  • To provide the information you submit in your Application Form and your credit
history, to our third-party lenders; provided, however, that if you are not approved for financing by our third-party lenders, KFF may submit the referenced information to our strategic partners.

You further authorize our third-party lenders or strategic partners, to check your credit history (if it was not checked by us), if necessary to complete your financing request and to return their decision to you through KFF. You understand that our third-party lenders and/or strategic partners may keep this information in accordance with their respective policies, whether or not your request is approved.

KFF is not a lender and does not make loans or credit decisions in connection with you purchase or request for financing. KFF is not your agent and our services are administrative. Our third-party lenders and/or strategic partners are solely responsible for their services to you. KFF shall not be liable for any damages or costs of any type arising out of or in any way connected with your relationship/transaction with our third- party lenders and/or strategic partners

If you obtain financing through our third-party lenders and/or strategic partners, KFF will receive its compensation directly from the third-party lenders and/or strategic partners. Your use of our Web site and/or services demonstrates your approval of this compensation arrangement.

Errors and Delays

KFF is not responsible for any errors or delays in responding to an Application Form caused by an incorrect e-mail address provided by you or other technical problems beyond our reasonable control.

KFF Liability

The Material may contain inaccuracies or typographical errors. KFF makes no representations about the accuracy, reliability, completeness, or timeliness of the Material or about the results to be obtained from using the Web Site and the Material. The use the Web Site and the Material is at your own risk. Changes are periodically made to the Web Site and may be made at any time.

KFF DOES NOT WARRANT THAT THE WEB SITE WILL OPERATE ERROR- FREE OR THAT THIS WEB SITE AND ITS SERVER ARE FREE OF COMPUTER VIRUSES AND OTHER HARMFUL GOODS. IF YOUR USE OF THE WEB SITE OR THE MATERIAL RESULTS IN THE NEED FOR SERVICING OR REPLACING EQUIPMENT OR DATA, KFF IS NOT RESPONSIBLE FOR THOSE COSTS.

THE WEB SITE AND MATERIAL ARE PROVIDED ON AN "AS IS" BASIS WITHOUT ANY WARRANTIES OF ANY KIND. KFF AND ITS SUPPLIERS, THIRD-PARTY LENDERS, AND STRATEGIC PARTNERS, TO THE FULLEST EXTENT PERMITTED BY LAW, DISCLAIM ALL WARRANTIES, INCLUDING THE WARRANTY OF MERCHANTABILITY, NON-INFRINGEMENT OF THIRD PARTIES RIGHTS, AND THE WARRANTY OF FITNESS FOR PARTICULAR PURPOSE. KFF AND ITS SUPPLIERS MAKE NO WARRANTIES ABOUT THE ACCURACY, RELIABILITY, COMPLETENESS, OR TIMELINESS OF THE MATERIAL, SERVICES, SOFTWARE TEXT, GRAPHICS, AND LINKS.

Disclaimer of Consequential Damages

IN NO EVENT SHALL KFF, ITS SUPPLIERS, OR ANY OF ITS THIRD-PARTY LENDERS AND/OR STRATEGIC PARTNERS BE LIABLE FOR ANY DAMAGES WHATSOEVER (INCLUDING, WITHOUT LIMITATION, INCIDENTAL AND CONSEQUENTIAL DAMAGES, LOST PROFITS, OR DAMAGES RESULTING FROM LOST DATA OR BUSINESS INTERRUPTION) RESULTING FROM THE USE OR INABILITY TO USE THE WEB SITE AND THE MATERIAL, WHETHER BASED ON WARRANTY, CONTRACT, TORT, OR ANY OTHER LEGAL THEORY, AND WHETHER OR NOT KFF IS ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

User Submissions

Generally, any communication which you post to the Web Site is considered to be non- confidential. By posting communications to the Web Site, you automatically grant KFF a royalty-free, perpetual, irrevocable nonexclusive license to use, reproduce, modify, publish, edit, translate, distribute, perform, and display the communication alone or as part of other works in any form, media, or technology whether now known or hereafter developed, and to sublicense such rights through multiple tiers of sublicensees.

IAM uses extensive and sophisticated secure technology to protect your data and any transmissions between you and KFF. For a more information, please refer to our Security Statement. However, KFF cannot and does not guarantee that the personal information you provide will not be intercepted by others and decrypted.

Links to Other Sites

The Web Site contains links to third party Web sites. These links are provided solely as a convenience to you and not as an endorsement by KFF of the contents on such third- party Web sites. KFF is not responsible for the content of linked third-party sites and does not make any representations regarding the content or accuracy of materials on such third party Web sites. If you decide to access linked third-party Web sites, you do so at your own risk.

Indemnity

You agree to defend, indemnify, and hold harmless KFF, its officers, directors, employees and agents, from and against any claims, actions or demands, including without limitation reasonable legal and accounting fees, alleging or resulting from your use of the Material (including Software) or your breach of the terms of this Agreement. KFF shall provide notice to you promptly of any such claim, suit, or proceeding and shall assist you, at your expense, in defending any such claim, suit or proceeding.

User Information

KFF may use the information it obtains relating to you, including your IP address, name, mailing address, email address and use of the Web Site, for its internal business and marketing purposes and may disclose information to third parties for such purposes as outlined in our Privacy Statement.

Other Terms

The Web Site is based in Indiana. KFF makes no claims the Materials are appropriate or may be downloaded outside of the United States. Access to the Materials (including Software) may not be legal by certain persons or in certain countries. If you access the Web Site from outside of the United States, you do so at your own risk and are responsible for compliance with the laws of your jurisdiction. This Agreement is governed by the internal substantive laws of the State of Indiana, without respect to its conflict of laws principles. By using the Web Site you agree that jurisdiction over the venue of any lawsuit shall be exclusively in the State and Federal courts sitting in the U.S. District Court for the Southern District of Indiana. If either party employs attorneys to enforce any right in connection with any Dispute or lawsuit the prevailing party shall be entitled to recover reasonable attorneys' fees.

If any provision of this Agreement is found to be invalid by any court having competent jurisdiction, the invalidity of such provision shall not affect the validity of the remaining provisions of this Agreement, which shall remain in full force and effect. No waiver of any term of this Agreement shall be deemed a further or continuing waiver of such term or any other term. Except where expressly provided otherwise, this Agreement constitutes the entire Agreement between you and KFF with respect to the use of Web Site and any services we provide. A printed version of this Agreement and of any notice given in electronic form shall be admissible in judicial or administrative proceedings based upon or relating to this Agreement to the same extent and subject to the same conditions as other business documents and records originally generated and maintained in printed form. Any changes to this Agreement must be made in writing, signed by an authorized representative of KFF.

PLEASE PRINT AND RETAIN A COPY OF THIS AGREEMENT FOR YOUR RECORDS.

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