Terms and Conditions
Agreement between User and www.efinancing-solutions.com
Welcome to www.efinancing-solutions.com. The www.efinancing-solutions.com website (the
"Site") is comprised of various web pages operated by eFinancing Solutions LLC.
www.efinancing-solutions.com is offered to you conditioned on your acceptance without
modification of the terms, conditions, and notices contained herein (the "Terms"). Your use of
www.efinancing-solutions.com constitutes your agreement to all such Terms. Please read these
terms carefully, and keep a copy of them for your reference.
eFinancing Solutions offers loan search services through a network of third party lenders
Your use of www.efinancing-solutions.com is subject to eFinancing Solutions LLC's Privacy
data collection practices.
Visiting www.efinancing-solutions.com or sending emails to eFinancing Solutions LLC
constitutes electronic communications. You consent to receive electronic communications and
you agree that all agreements, notices, disclosures and other communications that we provide to
you electronically, via email and on the Site, satisfy any legal requirement that such
communications be in writing.
If you use this site, you are responsible for maintaining the confidentiality of your account and
password and for restricting access to your computer, and you agree to accept responsibility for
all activities that occur under your account or password. You may not assign or otherwise
transfer your account to any other person or entity. You acknowledge that eFinancing Solutions
LLC is not responsible for third party access to your account that results from theft or
misappropriation of your account. eFinancing Solutions LLC and its associates reserve the right
to refuse or cancel service, terminate accounts, or remove or edit content in our sole discretion.
Children Under Eighteen
eFinancing Solutions LLC does not knowingly collect, either online or offline, personal
information from persons under the age of eighteen. If you are under 18, you may use
www.efinancing-solutions.com only with permission of a parent or guardian.
Links to Third Party Sites/Third Party Services
www.efinancing-solutions.com may contain links to other websites ("Linked Sites"). The Linked
Sites are not under the control of eFinancing Solutions LLC and eFinancing Solutions LLC is not
responsible for the contents of any Linked Site, including without limitation any link contained
in a Linked Site, or any changes or updates to a Linked Site. eFinancing Solutions LLC is
providing these links to you only as a convenience, and the inclusion of any link does not imply
endorsement by eFinancing Solutions LLC of the site or any association with its operators.
Certain services made available via www.efinancing-solutions.com are delivered by third party
sites and organizations. By using any product, service or functionality originating from the
www.efinancing-solutions.com domain, you hereby acknowledge and consent that eFinancing
Solutions LLC may share such information and data with any third party with whom eFinancing
Solutions LLC has a contractual relationship to provide the requested product, service or
functionality on behalf of www.efinancing-solutions.com users and customers.
Loan Eligibility Service
In connection with your use of this site, eFinancing Solutions LLC shares your Personal Information with
Monevo Inc to provide the loan eligibility service and their related tools and services. You acknowledge
that by agreeing to these terms and conditions you have also read and agree to Monevo Inc’s Terms of Service
Credit Authorization Agreement
No Unlawful or Prohibited Use/Intellectual Property
You are granted a non-exclusive, non-transferable, revocable license to access and use
your use of the Site, you warrant to eFinancing Solutions LLC that you will not use the Site for
any purpose that is unlawful or prohibited by these Terms. You may not use the Site in any
manner which could damage, disable, overburden, or impair the Site or interfere with any other
party's use and enjoyment of the Site. You may not obtain or attempt to obtain any materials or
information through any means not intentionally made available or provided for through the Site.
All content included as part of the Service, such as text, graphics, logos, images, as well as the
compilation thereof, and any software used on the Site, is the property of eFinancing Solutions
LLC or its suppliers and protected by copyright and other laws that protect intellectual property
and proprietary rights. You agree to observe and abide by all copyright and other proprietary
notices, legends or other restrictions contained in any such content and will not make any
You will not modify, publish, transmit, reverse engineer, participate in the transfer or sale, create
derivative works, or in any way exploit any of the content, in whole or in part, found on the Site.
eFinancing Solutions LLC content is not for resale. Your use of the Site does not entitle you to
make any unauthorized use of any protected content, and in particular you will not delete or alter
any proprietary rights or attribution notices in any content. You will use protected content solely
for your personal use, and will make no other use of the content without the express written
permission of eFinancing Solutions LLC and the copyright owner. You agree that you do not
acquire any ownership rights in any protected content. We do not grant you any licenses, express
or implied, to the intellectual property of eFinancing Solutions LLC or our licensors except as
expressly authorized by these Terms.
The Service is controlled, operated and administered by eFinancing Solutions LLC from our
offices within the USA. If you access the Service from a location outside the USA, you are
responsible for compliance with all local laws. You agree that you will not use the eFinancing
Solutions LLC Content accessed through www.efinancing-solutions.com in any country or in
any manner prohibited by any applicable laws, restrictions or regulations.
You agree to indemnify, defend and hold harmless eFinancing Solutions LLC, its officers,
directors, employees, agents and third parties, for any losses, costs, liabilities and expenses
(including reasonable attorney's fees) relating to or arising out of your use of or inability to use
the Site or services, any user postings made by you, your violation of any terms of this
Agreement or your violation of any rights of a third party, or your violation of any applicable
laws, rules or regulations. eFinancing Solutions LLC reserves the right, at its own cost, to
assume the exclusive defense and control of any matter otherwise subject to indemnification by
you, in which event you will fully cooperate with eFinancing Solutions LLC in asserting any
In the event the parties are not able to resolve any dispute between them arising out of or
concerning these Terms and Conditions, or any provisions hereof, whether in contract, tort, or
otherwise at law or in equity for damages or any other relief, then such dispute shall be resolved
only by final and binding arbitration pursuant to the Federal Arbitration Act, conducted by a
single neutral arbitrator and administered by the American Arbitration Association, or a similar
arbitration service selected by the parties, in a location mutually agreed upon by the parties. The
arbitrator's award shall be final, and judgment may be entered upon it in any court having
jurisdiction. In the event that any legal or equitable action, proceeding or arbitration arises out of
or concerns these Terms and Conditions, the prevailing party shall be entitled to recover its costs
and reasonable attorney's fees. The parties agree to arbitrate all disputes and claims in regards to
these Terms and Conditions or any disputes arising as a result of these Terms and Conditions,
whether directly or indirectly, including Tort claims that are a result of these Terms and
Conditions. The parties agree that the Federal Arbitration Act governs the interpretation and
enforcement of this provision. The entire dispute, including the scope and enforceability of this
arbitration provision shall be determined by the Arbitrator. This arbitration provision shall
survive the termination of these Terms and Conditions.
Class Action Waiver
Any arbitration under these Terms and Conditions will take place on an individual basis; class
arbitrations and class/representative/collective actions are not permitted. THE PARTIES AGREE
THAT A PARTY MAY BRING CLAIMS AGAINST THE OTHER ONLY IN EACH'S
INDIVIDUAL CAPACITY, AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY
PUTATIVE CLASS, COLLECTIVE AND/ OR REPRESENTATIVE PROCEEDING, SUCH
AS IN THE FORM OF A PRIVATE ATTORNEY GENERAL ACTION AGAINST THE
OTHER. Further, unless both you and eFinancing Solutions LLC agree otherwise, the arbitrator
may not consolidate more than one person's claims, and may not otherwise preside over any
form of a representative or class proceeding.
THE INFORMATION, SOFTWARE, PRODUCTS, AND SERVICES INCLUDED IN OR
AVAILABLE THROUGH THE SITE MAY INCLUDE INACCURACIES OR
TYPOGRAPHICAL ERRORS. CHANGES ARE PERIODICALLY ADDED TO THE
INFORMATION HEREIN. EFINANCING SOLUTIONS LLC AND/OR ITS SUPPLIERS
MAY MAKE IMPROVEMENTS AND/OR CHANGES IN THE SITE AT ANY TIME.
EFINANCING SOLUTIONS LLC AND/OR ITS SUPPLIERS MAKE NO
REPRESENTATIONS ABOUT THE SUITABILITY, RELIABILITY, AVAILABILITY,
TIMELINESS, AND ACCURACY OF THE INFORMATION, SOFTWARE, PRODUCTS,
SERVICES AND RELATED GRAPHICS CONTAINED ON THE SITE FOR ANY PURPOSE.
TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, ALL SUCH
INFORMATION, SOFTWARE, PRODUCTS, SERVICES AND RELATED GRAPHICS ARE
PROVIDED "AS IS" WITHOUT WARRANTY OR CONDITION OF ANY KIND.
EFINANCING SOLUTIONS LLC AND/OR ITS SUPPLIERS HEREBY DISCLAIM ALL
WARRANTIES AND CONDITIONS WITH REGARD TO THIS INFORMATION,
SOFTWARE, PRODUCTS, SERVICES AND RELATED GRAPHICS, INCLUDING ALL
IMPLIED WARRANTIES OR CONDITIONS OF MERCHANTABILITY, FITNESS FOR A
PARTICULAR PURPOSE, TITLE AND NON-INFRINGEMENT.
TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT
SHALL EFINANCING SOLUTIONS LLC AND/OR ITS SUPPLIERS BE LIABLE FOR ANY
DIRECT, INDIRECT, PUNITIVE, INCIDENTAL, SPECIAL, CONSEQUENTIAL
DAMAGES OR ANY DAMAGES WHATSOEVER INCLUDING, WITHOUT LIMITATION,
DAMAGES FOR LOSS OF USE, DATA OR PROFITS, ARISING OUT OF OR IN ANY
WAY CONNECTED WITH THE USE OR PERFORMANCE OF THE SITE, WITH THE
DELAY OR INABILITY TO USE THE SITE OR RELATED SERVICES, THE PROVISION
OF OR FAILURE TO PROVIDE SERVICES, OR FOR ANY INFORMATION, SOFTWARE,
PRODUCTS, SERVICES AND RELATED GRAPHICS OBTAINED THROUGH THE SITE,
OR OTHERWISE ARISING OUT OF THE USE OF THE SITE, WHETHER BASED ON
CONTRACT, TORT, NEGLIGENCE, STRICT LIABILITY OR OTHERWISE, EVEN IF
EFINANCING SOLUTIONS LLC OR ANY OF ITS SUPPLIERS HAS BEEN ADVISED OF
THE POSSIBILITY OF DAMAGES. BECAUSE SOME STATES/JURISDICTIONS DO NOT
ALLOW THE EXCLUSION OR LIMITATION OF LIABILITY FOR CONSEQUENTIAL OR
INCIDENTAL DAMAGES, THE ABOVE LIMITATION MAY NOT APPLY TO YOU. IF
YOU ARE DISSATISFIED WITH ANY PORTION OF THE SITE, OR WITH ANY OF
USING THE SITE.
eFinancing Solutions LLC reserves the right, in its sole discretion, to terminate your access to the
Site and the related services or any portion thereof at any time, without notice. To the maximum
extent permitted by law, this agreement is governed by the laws of the State of Kansas and you
hereby consent to the exclusive jurisdiction and venue of courts in Kansas in all disputes arising
out of or relating to the use of the Site. Use of the Site is unauthorized in any jurisdiction that
does not give effect to all provisions of these Terms, including, without limitation, this section.
You agree that no joint venture, partnership, employment, or agency relationship exists between
you and eFinancing Solutions LLC as a result of this agreement or use of the Site. eFinancing
Solutions LLC's performance of this agreement is subject to existing laws and legal process, and
nothing contained in this agreement is in derogation of eFinancing Solutions LLC's right to
comply with governmental, court and law enforcement requests or requirements relating to your
use of the Site or information provided to or gathered by eFinancing Solutions LLC with respect
to such use. If any part of this agreement is determined to be invalid or unenforceable pursuant to
applicable law including, but not limited to, the warranty disclaimers and liability limitations set
forth above, then the invalid or unenforceable provision will be deemed superseded by a valid,
enforceable provision that most closely matches the intent of the original provision and the
remainder of the agreement shall continue in effect.
Unless otherwise specified herein, this agreement constitutes the entire agreement between the
user and eFinancing Solutions LLC with respect to the Site and it supersedes all prior or
contemporaneous communications and proposals, whether electronic, oral or written, between
the user and eFinancing Solutions LLC with respect to the Site. 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. It is the express wish to the parties that this agreement and all related
documents be written in English.
Changes to Terms
eFinancing Solutions LLC reserves the right, in its sole discretion, to change the Terms under
which www.efinancing-solutions.com is offered. The most current version of the Terms will
supersede all previous versions. eFinancing Solutions LLC encourages you to periodically
review the Terms to stay informed of our updates.
eFinancing Solutions LLC welcomes your questions or comments regarding the Terms:
eFinancing Solutions LLC
Overland Park, Kansas 66221
Effective as of July 27, 2021