Terms and Conditions
and conditions contained or referenced herein. NEIF may, in its sole discretion, change these terms and conditions and modify the contents of the Website without notice. Such changes or modifications will be effective immediately upon their posting to the Website. Your continued viewing or use of the Website following such posting constitutes your acceptance of any and all such terms and conditions.
Access and Use of Website
You agree that as a User, you are authorized to visit, view, and use the Website for internal use only and not on behalf of any other person or entity.
You are solely responsible for maintaining the confidentiality of your username and password and for all activities that occur during your use of the Website. You agree to immediately notify NEIF of any unauthorized use of your password or any other breach of security known to you.
All software on the Website and all information and materials on the Website are the property of NEIF or its licensors and are subject to U.S. and international copyright, trademarks, and other proprietary rights and intellectual property rights laws. Except as expressly permitted under copyright law, no use of information or material from the Website is permitted except expressly in accordance with these terms and conditions or with the express written permission of NEIF and any other applicable copyright owner. You agree that you do not acquire any ownership rights by virtue of downloading any copyrighted material from the Website. All rights not expressly granted hereunder are expressly reserved for NEIF. You represent and warrant to NEIF that any information you submit to NEIF through your use of the Website including, but not limited to, any information related to a direct consumer loan application, or contract, is accurate and not misleading.
You authorize us to share the following information and materials with our Approved Contractors, who are third-parties that have a contractual relationship with NEIF to provide goods or services to NEIF’s consumers:
- The approval status of your loan with NEIF
- That you have authorized your Approved Contractor to assist both you and NEIF in expediting the delivery of the NEIF loan documents to you.
NEIF will not share personal identifying information of yours with an Approved Contractor, including your Social Security Number, your credit score, or the reason for your credit denial.
Access and Use of Website For Approved Contractors
In addition to the above terms and conditions, if you are an Approved Contractor of goods or services who has a contractual relationship with NEIF, you acknowledge that NEIF will place information and materials concerning NEIF and direct consumer loan applications and contracts between NEIF and the
consumer for work performed by you on the Website for you to review and use. You represent and warrant to NEIF that (1) you will only use this information and materials to facilitate the relationship between you and NEIF and not for any other purpose and (2) any information you submit to NEIF through your use of the Website including, but not limited to, any information related to a direct consumer loan application, or contract, is accurate and not misleading.
Links to Third-Party Websites
This Website may contain links to other Websites operated by third parties. Unless NEIF advises you otherwise in writing, any such linked sites are not under the control of NEIF or its affiliates. NEIF is not responsible for the content of any third-party site. Links to other Websites do not imply NEIF’s endorsement or approval of material on any other site. It is your sole responsibility to take any necessary steps to ensure that material selected from such linked sites is free of viruses, worms, Trojan horses, and other harmful items. NEIF and its affiliates are not responsible for and expressly disclaim all liability for damages of any kind arising out of your use of, reference to, or reliance on information contained in such linked, third-party sites.
- Publicly available information from government records.
- De-identified or aggregated consumer information.
- Information excluded from the CCPA’s scope, like:
- health or medical information covered by the Health Insurance Portability and Accountability Act of 1996 (HIPAA) and the California Confidentiality of Medical Information Act (CMIA) or clinical trial data;
- Personal information covered by certain sector-specific privacy laws, including the Fair Credit Reporting Act (FRCA), the Gramm-Leach-Bliley Act (GLBA) or California Financial Information Privacy Act (FIPA), and the Driver’s Privacy Protection Act of 1994.
You expressly agree that your use of this Website is at your sole risk. The content, services, information and access to the Website are provided on an “as is” and “as available” basis. NEIF and its affiliates expressly disclaim any and all warranties of any kind, express or implied, including, but not limited to, any warranties of accuracy, reliability, non-infringement, merchantability or fitness for a particular purpose. NEIF and its affiliates do not warrant that access to the Website or use of the Website or transmission to or from the Website will be uninterrupted or error free, that defects will be corrected, or that the Website or the server that makes the Website available are free of viruses or other harmful components. NEIF does not warrant or make any representations regarding the use or the results of the use of the Website in terms of its quality, correctness, accurate, reliability, or otherwise. All such warranties and conditions are excluded and disclaimed to the fullest extent permitted by applicable law.
Limitation of Liability
NEIF, its affiliates, and the officers, directors, employees, or representatives of any of the foregoing, are not liable in any way for any direct, indirect, special, punitive, or consequential damages arising out of or in connection with this Website, the use of this Website, a linked Website, or with the delay or inability to use this Website or a linked Website. This limitation includes, but is not limited to, the transmission of any viruses or harmful code that may affect a user’s equipment, any incompatibility between this Website’s files and the user’s browser or other Website accessing program, failure of any electronic equipment, telephone equipment, or communication or connection lines, unauthorized access, theft, operator error, or any force majeure. NEIF does not guarantee continuous, uninterrupted, or secure access to this Website or a linked Website. The content, accuracy, and other links provided by the linked
Websites are not investigated, verified, monitored, or endorsed by NEIF. The information, software, products, and description of services published on this Website or a linked Website may include inaccuracies or errors and NEIF specifically disclaims any liability for such inaccuracies or errors.
You agree to indemnify, defend, and hold harmless NEIF, its affiliates and service providers, and the officers, directors, employees, and representatives of any of the foregoing, from and against any and all claims, actions proceedings, damages, and costs, including attorney’s fees related to or arising out of your use of this Website and/or the services, actions, or omissions of any third parties that have sites linked to the Website, NEIF reliance on instructions that are accompanied by your username, password, or any other security device, or your breach of these terms and conditions.
Waiver and Severability
No delay or failure by NEIF to exercise any right with respect to these terms and conditions shall be interpreted to be a waiver of any rights by NEIF. If any provision of these terms and conditions is determined by a court of competent jurisdiction to be invalid or unenforceable, in whole or in part, the unenforceable provision will be modified by the court solely to the extent necessary to cause such provision to be enforceable and remaining terms and conditions shall be unaffected and shall remain binding on you.
These terms and conditions and your use of this Website shall be governed by all applicable federal laws of the United States of America and the laws of the Commonwealth of Pennsylvania. You consent to the exclusive jurisdiction of courts sitting in the Commonwealth of Pennsylvania in all disputes arising out of or relating to the contents or use of this Website.