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Loan Matching Service
Vertical Star Media is a loan matching service that connects consumers with prospective lenders participating in its direct network of personal loan lenders. To use the service, you must complete an online application form that requests specific information from you, including, but not limited to, your name, address, telephone number, email address, social security number, banking account information, and employment information. Vertical Star Media's collection and use of this information is subject to this site's Privacy Policy. By using this website or services offered on this website, you also agree to the terms and conditions set forth in the Privacy Policy. If you do not agree to these Terms of Use of the separate Privacy Policy, please do not use this site.

Once a consumer submits the application form on this site, Vertical Star Media shares your information with one or more participating lenders. By submitting the application form, you understand and agree that you are submitting an inquiry about a loan product to Vertical Star Media and each of the participating lenders to whom Vertical Star Media transmits your loan request. By submitting the application form, you are extending an express invitation to Vertical Star Media and each of the participating lenders with whom your information is shared to contact you by any means (including, without limitation, email, telephone, and direct mail) so that they may assist you with your transaction or provide information to you about additional offers in which you may be interested.

Participating lenders who receive your application information from Vertical Star Media review your information in real-time to determine whether your information meets the lender's loan qualification criteria. Participating lenders may, among other things, verify your social security number, perform a credit check, and review your information against national databases that track consumer transactions with lending institutions. By submitting the application form, you expressly authorize the participating third party lender you are matched with to share among its affiliates, loan servicers, and bank partners any transaction history related to financial products or services received for the purpose of evaluating you for credit.

If a participating lender determines that your application meets its loan qualification criteria, Vertical Star Media will open a new web page identifying the name(s) and contact information of the lender(s), or redirect your browser to the lender's website. You understand and agree that, once you have been redirected to the lender's website, Vertical Star Media has no further involvement in the loan application or approval process. Your subsequent interactions with the lender are subject to privacy policy, terms of use and other policies enforced by that lender.

Vertical Star Media is not a lender and does not make loans or credit decisions in connection with its loan matching service. Vertical Star Media does not guarantee acceptance into any particular loan program or specific loan terms of conditions with any participating lender. Vertical Star Media is not an agent of or any participating lender. Vertical Star Media is not involved with a lender's use and/or review of your application information or in making a determination about whether you meet a particular lender's loan qualification criteria. The lender is solely responsible for its services to you, and you agree that Vertical Star Media shall not be liable for any damages or costs of any type arising out of or in any way connected with your use of the loan matching service.

Vertical Star Media reserves the right to change any information, features and/or functions of the loan matching service without prior notice. Vertical Star Media may deny you access to all or part of the services without prior notice if you engage in any conduct or activities that Vertical Star Media determines, in its sole discretion, violate these Terms of Use, the rights of Vertical Star Media or any third party, or is otherwise inappropriate. Vertical Star Media is not responsible for any errors or delays in providing the loan matching services caused by errors in any of the application information provided by you or by any technical problems beyond our reasonable control.

Disclaimers and Limitations
This website and the information, software, products and services associated with it are provided 'as is.' Vertical Star Media expressly disclaims any warranty of any kind, whether express or implied, as to any matter whatsoever relating to this website and any information, software, products provided herein, including without limitation the warranties of title, non-infringement, merchantability, or fitness for a particular purpose. Vertical Star Media makes no warranty as to the results that may be achieved by using this website and the information, software, products and services associated with it.

Use of this website and/or its services is at your own risk. Vertical Star Media and/or its participating lenders or advertisers or any of their officers directors, agents, subsidiaries, affiliates, employees, successors, assigns, content providers or service providers will not be liable for any direct, indirect, incidental, consequential, special, or punitive damages or other injury arising out of or in any way connected with the use of this website and/or its services with the delay or inability to use this website, or for any information, software, products and services obtained through this website, or otherwise arising out of the use of this website, whether resulting in whole or in part, from breach of contract, tortuous behavior, negligence, strict liability or otherwise, even if Vertical Star Media or its participating lenders have been advised of the possibility of damages.

Vertical Star Media makes no representation that materials on the site are appropriate or available for use in locations other than the United States. Those who choose to access Vertical Star Media from outside the United States do so on their own initiative and at their own risk, and are responsible for compliance with local laws, if and to the extent applicable.

Indemnity
As a condition of using this web site and/or the services offered herein, you agree to indemnify Vertical Star Media and its participating lenders from and against any and all liabilities, expenses (including attorneys' fees) and damages arising out of claims resulting from your use of this web site, including without limitation any claims alleging facts that if true would constitute a breach by you of these Terms.

Links to Third Parties
This web site may contain links to other web sites operated by participating lenders or other third parties. Such links are provided for your convenience and reference only. Vertical Star Media does not operate or control in any respect any information, software, products or services available on such third party sites. Vertical Star Media's inclusion of a link to a web site does not imply any endorsement of the services or the site, its contents, or its sponsoring organization.

Trademark and Intellectual Property
The trademarks, logos, and service marks (collectively the "Trademarks") displayed on the site, are registered and unregistered Trademarks of Vertical Star Media. Nothing contained on the site should be construed as granting, by implication or otherwise, any license or right to use any content on the site without the written permission of Vertical Star Media.

Other Terms
These Terms of Use, together with the Privacy Policy constitute the entire agreement between you and Vertical Star Media. If any part of these Terms is determined unenforceable pursuant to applicable law, then the invalid and unenforceable provision will be deemed superseded by a valid and enforceable provision that most closely matches the intent of the original provision and the remainder of these Terms shall remain in effect. Any failure by Vertical Star Media to exercise or enforce any right or provision of these Terms will not be deemed a waiver of such right or provision.

Vertical Star Media may amend these Terms at any time by posting the amended terms on its web site. Your continued use of the site after any modification will act as an agreement to the Terms of Use as modified. All amended terms are automatically effective immediately, upon posting.