GeatPercentFinance.com is owned and operated by Great Percent Finance, LLC (“Great Percent”). By using the website GreatPercentFinance.com, (including but not limited to mobile, responsive web or otherwise), related data and/or related services (collectively the “Services”) you agree to be bound by the following terms of use, as updated from time to time (“Terms of Use”).
Permissible Use. Unless you are acting in your business or professional capacity, you agree to use the Services for your personal use, and your commercial use is limited to transactions done on your own behalf. Subject to the restrictions set forth in the following paragraphs, you may copy information from the Services only as necessary for your personal use to view, save, print, fax and/or e-mail such information. You agree otherwise not to reproduce, modify, distribute, display or otherwise provide access to, create derivative works from, decompile, disassemble or reverse engineer any portion of the Services.
You acknowledge and agree that Great Percent will have no obligation to provide you with any support or maintenance in connection with the Services.
Restrictions and Additional Terms. You agree not to remove or modify any copyright or other intellectual property that appear in the Services. You will not use the Services for resale, service bureau, time-sharing or other similar purposes. Further:
Acceptable Use. You agree not to use the Services in any way that is unlawful, illegal or causes harm to Great Percent, its service providers, suppliers or any other user. You agree not to use the Services in any way that violates the Terms of Use or any other policy or notice on the Services. You agree not to distribute or post spam, intentionally improper information, chain letters, pyramid schemes, or similar types of communications through the Services. You agree not to impersonate another person or misrepresent your affiliation with another person or entity. Except as expressly stated herein, these Terms of Use do not provide you a license to use, reproduce, distribute, display or provide access to any portion of the Services on third-party websites or otherwise. Except as expressly stated herein and without limitation, you agree that you will not, nor will you permit or encourage any third party to, reproduce, publicly display, or otherwise make accessible on or through any other website, application, or service any reviews, ratings, and/or profile information, lending, or other professionals, or other data or content available through the Services.
Automated Queries. Automated queries (including screen and database scraping, spiders, robots, crawlers and any other automated activity with the purpose of obtaining information from the Services) are strictly prohibited on the Services, unless you have received express written permission from Great Percent. As a limited exception, publicly available search engines and similar Internet navigation tools (“Search Engines”) may query the Services and provide an index with links to the Services’ Web pages, only to the extent such unlicensed “fair use” is allowed by applicable copyright law. Search Engines are not permitted to query or search information protected by a security verification system (“captcha”) which limits access to human users.
You authorize Great Percent to provide your name, address and contact information and other identifying information you provide to third parties. You may receive telephone calls or electronic communications from or on behalf of the Great Percent or third-parties at the telephone number(s) you provide.
The Services may provide phone numbers that can connect you with Great Percent, its service providers, or other third parties, such as loan officers, lenders or brokers. Some of the numbers listed may be routed through a third-party service (“Calling Service”). Calls through the Calling Service may be recorded or monitored for quality assurance and customer service purposes. In the event that you make a call to Great Percent or through a Calling Service, you consent to such recording and monitoring. Great Percent will treat recorded calls in accordance with its Privacy Policy.
Materials You Provide; Account Use; Privacy; Third Party Web Sites. For materials you post or otherwise provide to Great Percent in connection with the Services or related to the Services (your “Submission”), you grant Great Percent an irrevocable, perpetual, royalty-free worldwide license to (a) use, copy, distribute, transmit, publicly display, publicly perform, reproduce, edit, modify, prepare derivative works of or incorporate into other works, and translate your Submission, in connection with the Services or in any other media, and (b) sublicense these rights, to the maximum extent permitted by applicable law. Great Percent will not pay you for your Submission or to exercise any rights related to your Submission set forth in the preceding sentence. Great Percent may remove or modify your Submission at any time and for any reason. For each Submission, you agree to provide accurate and complete information and represent that you have all rights necessary to grant Great Percent the rights in this paragraph, that Great Percent’s use of the Submission will not infringe any third party rights and that the Submission complies with Sections 1 and 2 above. You are solely responsible for all Submissions made through your user account(s) on the Services or that you otherwise make available through the Services.
You may not share your user account with others. You are responsible for all actions taken via your account. Great Percent will treat your use of the Services in accordance with its Privacy Policy. Certain Great Percent functionalities may involve the distribution of your Submission to third party websites over which Great Percent has no control. Great Percent is not responsible for and makes no warranties or representations pertaining to these third- party websites, including but not limited to the content, availability, or functionality of such websites. You are responsible for ensuring that your Submission complies with the terms of use associated with any such third party website and you understand that your Submission and your use of a third party Web site will be treated in accordance with that third party Web site’s own privacy policy.
You understand and agree that the Services may include advertisements, and that these are necessary to support the Services. To help make the advertisements relevant and useful to you, Great Percent may serve advertisements based on the information we collect from you or in relation to your interaction on our site. See the Privacy Section for more details.
The Role of Great Percent; Disclaimer. Great Percent is not a lender; a licensed broker or agent in any state. Great Percent does not act as an agent or fiduciary for you or any other user. Great Percent does not sell, buy, or negotiate loans. Great Percent does not and is not responsible for and makes no warranties or representations pertaining to any broker or lender hired through the Services. Great Percent does not endorse or recommend the products of any particular broker or lender or third-party service provider, unless explicitly recommended or endorsed. Nothing contained in the Services is an offer to lend money. Great Percent is not an agent of either any consumer or broker or lending professional. Great Percent is only providing an administrative service to consumers and lending professionals. Great Percent assumes no responsibility for any result or consequence related directly or indirectly to any action or inaction that consumers take based on the Services, including and any other information available there.
Lending professionals must have a payment method on file when using the Services and pay all fees and applicable taxes associated with our Services by the payment due date. If your payment method fails or your account is past due, we may collect fees owed by charging other payment methods on file with us, retaining collection agencies and legal counsel. In addition, you will be subject to late fees equal to two (2%) percent per month (up to the maximum amount permissible by law) and collections fees or the collection agencies we retain, may also report information about your account to credit bureaus, and as a result, late payments, missed payments, or other defaults on your account may be reflected in your credit report. To protect Great Percent from risk of non-payment, a hold may be placed on your payment method to secure your payment. Great Percent may terminate Services immediately upon non-payment.
The lending professionals participating on the Services are solely responsible for their services to consumers. Great Percent shall not be liable for any damages or costs of any type arising out of or in any way connected with any consumers’ use of the Services, or the services offered by lending professionals. Great Percent is not responsible for any errors, misrepresentations or delays caused by consumers or any lending professionals. Great Percent reserves the right, at any time and in its sole discretion, to discontinue, suspend, or terminate the participation of any consumer, lending professional or other user from the Services at any time, for any reason. Consumers should confirm credentials if they choose to move forward with a lending professional. Lending professional pay a fee to Great Percent to use the Services. Such fees are not considered part of any loan transaction.
The Services may include software for use in connection with the Services. If such software is accompanied by an end user license agreement (“EULA”), the terms of the EULA will govern your use of the software. If such software is not accompanied by a EULA, then Great Percent grants to you a non-exclusive, revocable, personal, non-transferable license to use such software solely in connection with the Services and in accordance with these Terms of Use.
Linked Materials and Third-Party Materials. The Services include links to third-party products, services and websites, as well as materials provided by third parties. Great Percent does not endorse, and takes no responsibility for such products, services, websites, and materials. You understand that Great Percent has no obligation to, and generally does not, approve or monitor materials provided by third parties through the Services. Your dealings with any third party arising in connection with the Services are solely between you and such third party, and Great Percent takes no responsibility for any damages or costs of any type arising out of or in any way connected with your dealings with these third parties.
Claims of Copyright Infringement. Great Percent respects the intellectual property rights of others, and asks that everyone using the Services do the same. Anyone who believes that their work has been reproduced on the Services in a way that constitutes copyright infringement may notify Great Percent’s copyright agent in accordance with Title 17, United States Code, Section 512(c)(2), by providing the following information:
Identification of the copyrighted work that you claim has been infringed;
Identification of the material that you claim is infringing and needs to be removed, including a description of where it is located on the Services so that the copyright agent can locate it;
Your address, telephone number, and, if available, e-mail address, so that the copyright agent may contact you about your complaint; and
A signed statement that the above information is accurate; that you have a good faith belief that the identified use of the material is not authorized by the copyright owner, its agent, or the law; and, under penalty of perjury, that you are the copyright owner or are authorized to act on the copyright owner’s behalf in this situation.
Notices of copyright infringement claims should be sent as follows:
By mail:
Great Percent Finance
1000 S Lenola Road, Building One, Suite 105, Maple Shade, NJ 08052
Attention: Legal
By e-mail: DMCA to
[email protected]By facsimile: (856) 600-4455
If you give notice of copyright infringement by e-mail, we may begin investigating the alleged copyright infringement; however, we must receive your signed statement by mail or as an attachment to your e-mail before we are required to take any action.
NO WARRANTY. GREAT PERCENT PROVIDES THE SERVICES “AS IS,” “WITH ALL FAULTS” AND “AS AVAILABLE,” AND THE ENTIRE RISK AS TO SATISFACTORY QUALITY, PERFORMANCE, ACCURACY, AND EFFORT IS WITH YOU. TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, GREAT PERCENT AND ITS SUPPLIERS MAKE NO REPRESENTATIONS, WARRANTIES OR CONDITIONS, EXPRESS OR IMPLIED. GREAT PERCENT AND ITS SUPPLIERS EXPRESSLY DISCLAIM ANY AND ALL WARRANTIES OR CONDITIONS, EXPRESS, STATUTORY AND IMPLIED, INCLUDING WITHOUT LIMITATION (A) WARRANTIES OR CONDITIONS OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, WORKMANLIKE EFFORT, ACCURACY, TITLE, QUIET ENJOYMENT, NO ENCUMBRANCES, NO LIENS AND NON-INFRINGEMENT, (B) WARRANTIES OR CONDITIONS ARISING THROUGH COURSE OF DEALING OR USAGE OF TRADE, AND (C) WARRANTIES OR CONDITIONS OF UNINTERRUPTED OR ERROR-FREE ACCESS OR USE.
LIABILITY LIMITATION; EXCLUSIVE REMEDY. IN NO EVENT WILL GREAT PERCENT OR ANY SUPPLIER BE LIABLE FOR ANY DAMAGES, INCLUDING WITHOUT LIMITATION ANY INDIRECT, CONSEQUENTIAL, SPECIAL, INCIDENTAL, OR PUNITIVE DAMAGES ARISING OUT OF, BASED ON, OR RESULTING FROM THESE TERMS OF USE OR YOUR USE OF THE SERVICES, EVEN IF SUCH PARTY HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. THE EXCLUSION OF DAMAGES UNDER THIS PARAGRAPH IS INDEPENDENT OF YOUR EXCLUSIVE REMEDY SET FORTH BELOW AND SURVIVES IN THE EVENT SUCH REMEDY FAILS OF ITS ESSENTIAL PURPOSE OR IS OTHERWISE DEEMED UNENFORCEABLE. THESE LIMITATIONS AND EXCLUSIONS APPLY WITHOUT REGARD TO WHETHER THE DAMAGES ARISE FROM (A) BREACH OF CONTRACT, (B) BREACH OF WARRANTY, (C) NEGLIGENCE, OR (D) ANY OTHER CAUSE OF ACTION, TO THE EXTENT SUCH EXCLUSION AND LIMITATIONS ARE NOT PROHIBITED BY APPLICABLE LAW. IF YOU DO NOT AGREE WITH ANY PART OF THESE TERMS OF USE, OR YOU HAVE ANY DISPUTE OR CLAIM AGAINST GREAT PERCENT OR ITS SUPPLIERS WITH RESPECT TO THESE TERMS OF USE OR THE SERVICES, THEN YOUR SOLE AND EXCLUSIVE REMEDY IS TO DISCONTINUE USING THE SERVICES.
Changes; Discontinuance. Great Percent reserves the right to change these Terms of Use at any time in its sole discretion. Any changes will be effective immediately upon posting the revised version of these Terms of Use to Great Percent’s properties. Your continued use of the Services after the effectiveness of such changes will constitute acceptance of and agreement to any such changes. You further waive any right you may have to receive specific notice of such changes to these Terms of Use. You are responsible for regularly reviewing these Terms of Use. Great Percent may alter, suspend or discontinue the Services at any time to you and/or to others, without notice.
If you are a California resident, you may report complaints to the Complaint Assistance Unit of the Division of Consumer Product of the California Department of Consumer Affairs by contacting them in writing at 400 R Street, Sacramento, CA 95814, or by telephone at (800) 952-5210.
Choice of Law; Disputes. These Terms of Use are governed by the laws of the State of New Jersey, without giving effect to its conflict of laws provisions. You agree to submit to exclusive jurisdiction and venue in the state and federal courts sitting in Burlington County, New Jersey for any and all disputes, claims and actions arising from or in connection with the Services and/or these Terms of Use. In any dispute arising under this Agreement, the prevailing party will be entitled to attorneys’ fees and expenses.
You agree to defend and hold Great Percent, its affiliates, and their respective directors, officers, employees, and agents harmless from any and all claims and demands made by any third party due to or arising out of your breach of these Terms of Use, your use of the Services, your violation of any law or the rights of a third party, or any Submission made through your user account on the Services or that you otherwise make available through the Services.
You release Great Percent, its affiliates, and their respective directors, officers, employees and agents from all liability related to any and all claims and demands you may assert against any third party arising out of the Services. If you are a California resident, you waive California Civil Code Section 1542, which states, “A general release does not extend to claims which the creditor does not know or suspect to exist in his or her favor at the time of executing the release, which if known by him or her must have materially affected his or her settlement with the debtor.”
You agree not to export from anywhere any part of the Services provided to you or any direct product thereof except in compliance with, and with all licenses and approvals required under, applicable export laws, rules and regulations. If any part of these Terms of Use is determined to be invalid or unenforceable, then the invalid or unenforceable provision will be replaced with a valid, enforceable provision that most closely matches the intent of the original provision and the remainder of these Terms of Use will continue in effect. The section titles in these Terms of Use are solely used for the convenience of the parties and have no legal or contractual significance. Great Percent may assign this Agreement, in whole or in part, at any time with or without notice to you. You may not assign these Terms of Use, or assign, transfer or sublicense your rights, if any, in the Service. Great Percent’s failure to act with respect to a breach by you or others does not waive its right to act with respect to subsequent or similar breaches. Except as expressly stated herein, these Terms of Use constitute the entire agreement between you and Great Percent with respect to the Services and supersede all prior or contemporaneous communications of any kind between you and Great Percent with respect to the Services. The following sections of these Terms of Use shall survive any termination of these Terms of Use: 12, 13, 15 through 18.
— Updated May 2, 2023