T.O.S – Disclaimer – Liability Waiver

General Terms of Service/Disclaimer/Liability Waiver

Lendzz LLC, Lendzz.com, Lendzz, is an independent lead generation, affiliate marketing, referral, and comparison service.  Lendzz LLC, Lendzz.com, Lendzz, is not a lender or broker. Lendzz LLC, Lendzz.com, Lendzz, may receive compensation for sponsored affiliate placements and referrals and this compensation may effect how, where, and in what order products and services appear. All products and services are presented without warranty. Although we work to keep information up to date, this information may vary when you visit the financial institution’s website, so please view and read each institutions terms, rates, and conditions before applying or purchasing.  Users must be 18 or over and agree to full T.O.S./Disclaimer. Lendzz LLC, Lendzz.com, Lendzz, are not and will not be responsible for third-party products, websites, services, endorsements, reviews, recommendations, etc. All logos, trademarks, products, and company names are trademarks or registered trademarks of their respective holders and Lendzz LLC, Lendzz.com, Lendzz, using their logos, etc., does not suggest nor signify an endorsement, affiliation, or sponsorship of their company by Lendzz LLC, Lendzz.com, Lendzz. User agrees to idemnify and hold harmless Lendzz LLC, Lendzz.com, Lendzz, and all of it’s affiliates, agents, referral agents, brokers, partners, and sponsors from any and all liability. 

Terms of Service/Use:

This website and service(s) are offered to you, the “User” without warranty and conditioned on your acceptance of said terms of use and liability disclaimer. By using this site and/or our service(s), you agree that you must be 18 years of age or older and you agree to all of our terms of service and our limited liability policy, disclaimer(s), privacy policy, and any other terms of use listed. I you do not agree to the terms of use and terms of service(s), you may not use our site or services. These terms of use and terms of service are subject to change at any time without notice. By agreeing to the terms of services and liability disclaimer of Lendzz LLC, Lendzz.com, Lendzz, you also agree to agree to and follow the terms of use, terms of service, and terms of agreement of our real estate agent referral network partner, The Referral Exchange, LLC, and Real Estate One. Lendzz LLC, Lendzz.com, Lendzz, is not and will not be responsible for third-party products, websites, services, endorsements, reviews, recommendations, etc. All logos, trademarks, products, and company names are trademarks or registered trademarks of their respective holders and Lendzz LLC, Lendzz.com, Lendzz, using their logos, etc., does not suggest nor signify an endorsement, affiliation, or sponsorship of their company by Lendzz LLC, Lendzz.com, Lendzz.

Lendzz LLC, Lendzz.com, Lendzz, is a real estate lead generation company. Lendzz is not a real estate brokerage or a real estate agent.  Lendzz does not broker or sell properties and does not sell or buy properties or represent buyers or sellers of real property.  Lendzz LLC, Lendzz.com, Lendzz generates real estate buyer and seller leads and then sells them to real estate referral agents, who in turn, use two real estate referral networks and brokerages: The Referral Exchange, LLC, and Real Estate One, LLC.  Both the Referral Exchange and Real Estate One make referrals to multiple brokerages and real estate agents.  Users who submit their information on Lendzz.com will have their information shared with the following parties:  Owners/employees/subcontractors of Lendzz.com, referral agent(s) who purchase leads from Lendzz LLC, The Referral Exchange, LLC, Real Estate One, LLC, and any of the multiple real estate brokers and agents who may be receive referrals from The Referral Exchange and/or Real Estate One.  Typically, users who submit their data are matched with up to four real estate agents, however, this number could be higher if the user asks for more matches or due to other circumstances.

Idemnity:

You, the “User” agree to idemnify and hold harmless Lendzz LLC, Lendzz.com, Lendzz, and all of its agents, referral partners, referring partners, partner network, officers, investors, partners, owners, employees, and affiliates from any and all liability. You understand that upon submitting a request to find a real estate agent, get a home value estimate, or any other form on our website, Lendzz LLC, Lendzz.com, Lendzz, will submit any and all of the information that you submitted to The Referral Exchange, LLC, and Real Estate One, who will then submit any or all of the information that you submitted to multiple real estate agents,and other parties and/or professionals.

You agree to indemnify and hold Lendzz LLC, Lendzz.com, Lendzz, The Referral Exchange, LLC, and of of our referring agents, referred agents, lenders, third parties, personal loan providers, credit card providers, tax service providers, credit services providers, owners, officers, affiliates, partners, employees, directors, investors, and real estate professionals, harmless from any claim or demand, including reasonable attorneys’ fees, made by any third parties due to or caused by your breach of this agreement or any action(s), inaction(s), or results from your doing business with us or any of the parties listed.

All products, services, referrals, affiliate links, leads generated, actions, inaction, and results, either positive, negative, or neutral, are offered without warranty or any guaranty to the results of such transactions. In regards to all third party links or submission of information to third parties such as, but not limited to, lenders, personal loan lenders, personal loan aggregators, personal loan providers, credit card providers, credit card aggregators, tax services, credit services, third party lenders and creditors, banks, credit unions, investors, lenders, and any other third party or parties, Lendzz LLC, Lendzz.com, Lendzz, cannot and will not guaranty or warranty and of the services or products that these third parties provide. You, the “User” agree to idemnify and hold harmless Lendzz LLC, Lendzz.com, Lendzz, and all of its agents, referral partners, referring partners, partner network, officers, investors, partners, owners, employees, and affiliates from any and all liability.

Buyer And Seller Terms:

You, the “user” or “Buyer” or “Seller” or “Both Buyer AND Seller” agree to idemnify and hold harmless Lendzz LLC, Lendzz.com, Lendzz, and all of its agents, referral partners, referring partners, partner network, officers, investors, partners, owners, employees, and affiliates from any and all liability. The User understands at some point after the user submits their personal information into one of our online forms, we will either deliver that referral to The Referral Exchange, LLC network, sell it to a real estate agent, or have a third real estate agent buy, or take your information and submit it to The Referral Exchange, LLC. The Referral Exchange, LLC may then match you with up to four real estate agents.

You are under no obligation to sign with any of those agents, however, if you do choose to sign a sales or purchase contract (or both) with any of those agents, you will then be under the terms of that contract, and you become said agents client and responsibility. When you submit your information with Lendzz LLC, Lendzz.com, Lendzz, you authorize us to submit that information to The Referral Exchange, LLC, and Real Estate One, authorize them to submit that information to as many agents or third parties as their terms of agreement allow. We reserve the right to terminate or suspend any user who submits information that is inaccurate or misleading and we reserve the right to cancel any user at any time, with no obligation on our part.

The user understands that Lendzz LLC, Lendzz.com, Lendzz, and their referral agent are not a realty brokerage or a real estate broker and we do not personally perform real estate services, however, the referral agent(s), and The Referral Exchange, LLC, and any other real estate agents involved may perform real estate services. Lendzz LLC, Lendzz.com, Lendzz, cannot and will not be held responsible or liable for any of the results or lack of results or anything else that may occur, both negative, positive, or neutral, while working with The Referral Exchange, LLC, or any of the real estate agents that they refer. Lendzz LLC, Lendzz.com, Lendzz, and their referring agent cannot and will not be held responsible or liable for any real estate outcomes.

After the referral is made, Lendzz LLC, Lendzz.com, Lendzz, and their referring agent(s) do not endorse, recommend, or know the terms of the agreement between you and any real estate professional that is referred by The Referral Exchange, LLC, or any other individual or institution. You understand that for our part in the referral process, we may receive a referral fee or percentage of the real estate commission. there is no charge from us to you and either party can terminate the relationship between you and Lendzz LLC, Lendzz.com, Lendzz, at any time for any reason and we may change our terms of service at any time for any reason.

Links And Referrals To Third Parties

Lendzz LLC, Lendzz.com, Lendzz, is a partner and/or affiliate for several third parties such as, but not limited to, The Referral Exchange, LLC, Jackson Hewitt Tax Services, Quicken Loans, Experian Credit Services, Credit Karma, Credit Sesame, CreditRepair.com, Sofi.com, Monevo.com, Even Financial LLC, Prosper.com, UpGrade.com, Payoff.com, SuperMoney.com, National Funding, Ondeck Business Loans, and several other credit providers, credit services providers, banks, credit unions, loan aggregators, lenders, realtors, real estate brokerages, real estate agents, and many other third parties.

Lendzz LLC, Lendzz.com, Lendzz, cannot and will not be held liable for any of the actions, inaction, results, or lack of results from any or all of the third parties that we do business with and refer business to and we cannot and will be held liable or responsible for your experience with these third parties. In regards to all third party links or submission of information to third parties such as, but not limited to, lenders, personal loan lenders, personal loan aggregators, personal loan providers, credit card providers, credit card aggregators, tax services, credit services, third party lenders and creditors, banks, credit unions, investors, lenders, and any other third party or parties, Lendzz LLC, Lendzz.com, Lendzz, cannot and will not guaranty or warranty and of the services or products that these third parties provide.

You, the “User” agree to idemnify and hold harmless Lendzz LLC, Lendzz.com, Lendzz, and all of its agents, referral partners, referring partners, partner network, officers, investors, partners, owners, employees, and affiliates from any and all liability.

Who We Share Your Data With

Lendzz LLC, Lendzz.com, Lendzz, is a real estate lead generation company. Agent Duel is not a real estate brokerage or a real estate agent.  Lendzz LLC, Lendzz.com, Lendzz, does not broker or sell properties and does not sell or buy properties or represent buyers or sellers of real property.  Lendzz LLC, Lendzz.com, Lendzz, generates real estate buyer and seller leads and then sells them to real estate referral agents, who in turn, use two real estate referral networks and brokerages: The Referral Exchange, LLC, and Real Estate One, LLC.  Both the Referral Exchange and Real Estate One make referrals to multiple brokerages and real estate agents.  Users who submit their information on Lendzz.com will have their information shared with the following parties:  Owners/employees/subcontractors of Lendzz.com, referral agent(s) who purchase leads from Lendzz LLC, Lendzz.com, Lendzz, The Referral Exchange, LLC, Real Estate One, LLC, and any of the multiple real estate brokers and agents who may be receive referrals from The Referral Exchange and/or Real Estate One.  Typically, users who submit their data are matched with up to four real estate agents, however, this number could be higher if the user asks for more matches or due to other circumstances.

Comments

When visitors leave comments on the site we collect the data shown in the comments form, and also the visitor’s IP address and browser user agent string to help spam detection.

An anonymized string created from your email address (also called a hash) may be provided to the Gravatar service to see if you are using it. The Gravatar service privacy policy is available here: https://automattic.com/privacy/. After approval of your comment, your profile picture is visible to the public in the context of your comment.

Affiliate Disclaimer:

Lendzz LLC, Lendzz.com, Lendzz, is an independent lead generation, affiliate marketing, referral, and comparison service.  LLendzz LLC, Lendzz.com, Lendzz, is not a lender or broker. Lendzz LLC, Lendzz.com, Lendzz, may receive compensation for sponsored affiliate placements and referrals and this compensation may effect how, where, and in what order products and services appear.  All information is presented without warranty and we cannot guaranty that it will be accurate and all information is subject to change at any time without any notice. Lendzz LLC, Lendzz.com, D.B.A. Agent Duel and/or AgentDuel.com, is not and will not be responsible for third-party products, websites, services, endorsements, reviews, recommendations, etc. All logos, trademarks, products, and company names are trademarks or registered trademarks of their respective holders and Lendzz LLC, Lendzz.com, Lendzz, using their logos, etc., does not suggest nor signify an endorsement, affiliation, or sponsorship of their company by Lendzz LLC, Lendzz.com, or Lendzz.

Personal Loan Disclaimer:

*Personal loan rates, terms, amounts, features, and ratings are subject to change daily. Lendzz LLC, Lendzz.com, Lendzz, strives to keep information up to date, however, information posted on this site may not always reflect the information on the personal loan provider’s site. Make sure you check the personal loan provider and/or lender’s website for the current rates, terms, amounts, and features before applying.  All products/services are presented without warranty.

*Personal loan Rate and Terms Disclosure: Rates for the various loans and personal loans provided by lenders and providers for whom which Lendzz LLC, Lendzz.com, Lendzz, is an affiliate and are displayed on the website Lendzz.com have rates that typically, but not always, range from 2.99%-39% APR with terms from 12 to 120 months, however, rates and terms are subject to change without any notice.  Always check the personal loan lender/provider for current personal loan rates and terms. Rates presented include lender discounts for enrolling in various programs such as autopay and/or loyalty programs, if applicable.

Actual and final rates may be different from advertised/displayed rates depending on the lender and/or provider’s specific criteria, which include, but are not limited to credit score, term, loan amount, credit history, debt to income ratio, credit usage, and other factors..  All final rates will be determined by the lender and must be agreed upon between the borrower(s) and the borrower’s chosen lender, The lowest rates that are advertised/displayed typically require excellent credit and may be reserved for specific loan terms and/or loan purposes. Any associated fees are agreed upon between the borrower(s) and the lender.  Receiving prequalified rates does not guarantee that any specific lender will extend you an offer of credit.  Loan aggregators simply present options and cannot guarantee that offers of credit will be extended by lender.Please read full Advertising Disclaimer/TOS.

*Personal loan rates, terms, amounts, features, and ratings are subject to change daily. Lendzz LLC, Lendzz.com, Lendzz, strives to keep information up to date, however, information posted on this site may not always reflect the information on the personal loan provider’s site. Make sure you check the personal loan provider and/or lender’s website for the current rates, terms, amounts, and features before applying.  All products/services are presented without warranty.

Lendzz LLC, Lendzz.com, Lendzz, is an affiliate and may receive affiliate commissions from several companies including, but not limited to, Prosper.com, Sofi.com, Bankrate.com, UpGrade.com, Payoff.com, EvenFinancial.com, Monevo.com, Lendvious.com, SuperMoney.com, CreditKarma.com, CreditSesame.com, Experian.com, ReferralExchange.com, JacksonHewitt.com, and several other real estate, credit, lending, banking, and other financial companies. Lendzz LLC, Lendzz.com, Lendzz, is an independent lead generation, affiliate marketing, referral, and comparison service.  Lendzz LLC, Lendzz.com, Lendzz, is not a lender or broker. Lendzz LLC, Lendzz.com, Lendzz, may receive compensation for sponsored affiliate placements and referrals and this compensation may effect how, where, and in what order products and services appear.

All personal loan information is presented without warranty, and the APR, rates, terms, amounts, and other personal loan information are not binding in any way.  Annual percentage rates, loan amounts, loan terms, and other information are based on public information, information provided by borrowers/users, and by banks, personal loan lenders, credit unions, government offices, and other financial institutions.

Personal loan lenders and personal loan providers provide personal loans and set rates based on a number of factors and personal loan rates can change at any time without notice.  The estimated starting personal loan rates and/or estimated ending personal loan rates advertised on our site may not be accurate and may not reflect that actual rates that the lenders are charging.  We strive to keep information up to date, but banks, personal loan lenders, credit unions, government offices, and other financial institutions, may change rates at any time without notice and our advertised rates may not be up to date due to those changes.

If you visit our login page, we will set a temporary cookie to determine if your browser accepts cookies. This cookie contains no personal data and is discarded when you close your browser.

When you log in, we will also set up several cookies to save your login information and your screen display choices. Login cookies last for two days, and screen options cookies last for a year. If you select “Remember Me”, your login will persist for two weeks. If you log out of your account, the login cookies will be removed.

If you edit or publish an article, an additional cookie will be saved in your browser. This cookie includes no personal data and simply indicates the post ID of the article you just edited.

The user acknowledges that be accessing and using our site, you are bound too the site’s terms and conditions. This Fair and Responsible Lending Policy is created in an effort to provide the user with valuable information regarding their rights as a consumer and/or borrower and practices that may be applicable to some of our partners and lenders we refer business to. This content, however, is not designed to be legal advice and should not be taken as such. Any issues or questions with lending policies should be directed to the lender directly.

Lendzz LLC, Lendzz.com, Lendzz, is not a personal loan lender, broker, or bank and does not broker loans to lending partners, nor do we make personal loans or credit decisions. We simply submit provide information on our website with an affiliate link that redirects the user to the lender, bank, personal loan aggregator, or financial institution. We submit the information you provide us to the lending partners in our database who may use a soft credit check(s) to assess your eligibility for a personal loan and may then provide pre-qualified loan offers. The amount and terms of any personal loan made will depend on the lending partner, your creditworthiness and your state’s laws. There is no guarantee whatsoever that you will be presented with any personalized personal loan offers, or that you will qualify for the rates, terms, fees, amounts, or features displayed on our website or blog posts. If you were to receive a personal loan offer form one of our lending partners it would be imperative that you review each lender’s terms and conditions before continuing with a personal loan application and at the point of personal loan application, you may be subject to a full credit check.

Fair lending laws are intended to protect customers by prohibiting unfair and discriminatory practices.

The Equal Credit Opportunity Act (ECOA): The ECOA prohibits discrimination based on race or color, marital status, religion, nationality or national origin, gender, age (as long as you’re legally able to enter into a contract), income derived from public assistance programs, and the applicant’s exercise of any right under the Consumer Credit Protection Act. This act applies to the extension of credit.

  • Fair Credit Reporting Act (FCRA): FCRA is intended to promote correctness, fairness, and confidentiality of information in Consumer Reporting Agency files by requiring the agencies to furnish correct and whole information to businesses when a consumer’s information is being evaluated for insurance, credit, or employment. Under the FCRA, consumers have the right to:
    • Know the information within their credit file
    • Be informed if information in their file has been used against them
    • Dispute incomplete or erroneous data in their file
    • Receive one disclosure at no cost every 12 months upon request from each nationwide credit bureau and from nationwide specialty consumer reporting agencies
    • Request a credit score from consumer reporting agencies for a fee
    • Limit access the consumer’s file to people with a valid need for access
    • Limit unsolicited offers of credit and be provided with opt out rights of such communications.
  • The Truth in Lending Act (TILA): TILA is intended to promote knowledgeable use of consumer credit by requiring written disclosures regarding terms, costs, and fees of loans before a consumer takes responsibility for the loan. This act additionally provides consumers the right to withdraw from certain credit dealings involving a lien on the consumer’s dwelling, provides a means for just and timely resolve of credit billing disputes and regulates credit card practices. Note, this Act does not mandate the charges that may be imposed for consumer credit. The lenders in Monevo’s network are required to provide consumers with clearly written and discernable interest rates, late fees, and any other fees that may be connected with their loan before loan documents are fully executed.
  • Americans With Disabilities Act (ADA): This Act prohibits discrimination against qualified individuals with disabilities by ensuring that these individuals have equivalent access to goods and services offered by private businesses.

State Regulations

Lendzz LLC, Lendzz.com, Lendzz, is not responsible for third-party actions and is not responsible for making sure that our partner lenders or third-parties are abiding by state and federal regulations. Lendzz LLC, Lendzz.com, Lendzz, is not responsible for any actions conducted from any sources or lenders outside of its control. Individual states may have separate regulations for lending, such as laws regarding interest rate limitations, terms, fees, amounts, processing, debt collection, etc. Lendzz LLC, Lendzz.com, Lendzz, is not responsible for ensuring that the lenders and third-parties meet these state or federal regulations. It is necessary for the user, consumer, or borrower to educate themselves about their personal loan offer prior to accepting. This includes federal, state, and local laws, rules, and regulations that may apply.

Embedded content from other websites

Articles on this site may include embedded content (e.g. videos, images, articles, etc.). Embedded content from other websites behaves in the exact same way as if the visitor has visited the other website.

These websites may collect data about you, use cookies, embed additional third-party tracking, and monitor your interaction with that embedded content, including tracking your interaction with the embedded content if you have an account and are logged in to that website.

Privacy Policy:

Comments

When visitors leave comments on the site we collect the data shown in the comments form, and also the visitor’s IP address and browser user agent string to help spam detection.

An anonymized string created from your email address (also called a hash) may be provided to the Gravatar service to see if you are using it. The Gravatar service privacy policy is available here: https://automattic.com/privacy/. After approval of your comment, your profile picture is visible to the public in the context of your comment.

Media

If you upload images to the website, you should avoid uploading images with embedded location data (EXIF GPS) included. Visitors to the website can download and extract any location data from images on the website.

Cookies

If you leave a comment on our site you may opt-in to saving your name, email address and website in cookies. These are for your convenience so that you do not have to fill in your details again when you leave another comment. These cookies will last for one year.

If you visit our login page, we will set a temporary cookie to determine if your browser accepts cookies. This cookie contains no personal data and is discarded when you close your browser.

When you log in, we will also set up several cookies to save your login information and your screen display choices. Login cookies last for two days, and screen options cookies last for a year. If you select “Remember Me”, your login will persist for two weeks. If you log out of your account, the login cookies will be removed.

If you edit or publish an article, an additional cookie will be saved in your browser. This cookie includes no personal data and simply indicates the post ID of the article you just edited. It expires after 1 day.

Embedded Content From Other Websites

Articles on this site may include embedded content (e.g. videos, images, articles, etc.). Embedded content from other websites behaves in the exact same way as if the visitor has visited the other website.

These websites may collect data about you, use cookies, embed additional third-party tracking, and monitor your interaction with that embedded content, including tracking your interaction with the embedded content if you have an account and are logged in to that website.

Who We Share Your Data With

Lendzz LLC, Lendzz.com, Lendzz, is a real estate lead generation company. Lendzz is not a real estate brokerage or a real estate agent.  ALendzz LLC, Lendzz.com, Lendzz, does not broker or sell properties and does not sell or buy properties or represent buyers or sellers of real property.  Lendzz LLC, Lendzz.com, Lendzz, generates real estate buyer and seller leads and then sells them to real estate referral agents, who in turn, use two real estate referral networks and brokerages: The Referral Exchange, LLC, and Real Estate One, LLC.  Both the Referral Exchange and Real Estate One make referrals to multiple brokerages and real estate agents.  Users who submit their information on Lendzz.com will have their information shared with the following parties:  Owners/employees/subcontractors of Lendzz.com, referral agent(s) who purchase leads from Lendzz LLC, Lendzz.com, Lendzz, The Referral Exchange, LLC, Real Estate One, LLC, and any of the multiple real estate brokers and agents who may be receive referrals from The Referral Exchange and/or Real Estate One.  Typically, users who submit their data are matched with up to four real estate agents, however, this number could be higher if the user asks for more matches or due to other circumstances.

If you request a password reset, your IP address will be included in the reset email.

How Long We Retain Your Data

If you leave a comment, the comment and its metadata are retained indefinitely. This is so we can recognize and approve any follow-up comments automatically instead of holding them in a moderation queue.

For users that register on our website (if any), we also store the personal information they provide in their user profile. All users can see, edit, or delete their personal information at any time (except they cannot change their username). Website administrators can also see and edit that information. 

Where We Send Your Data

Visitor comments may be checked through an automated spam detection service, data is also sent to Lendzz LLC, Lendzz.com, Lendzz, owners, employees, subcontractors, referral agents, The Referral Exchange, LLC, Real Estate One, LLC, and any of their partnering brokers and agents.