About Our Services
Applications for loans submitted through the Site may be funded by one of several Lenders, including Artis. Artis may originate loans in states where it has obtained appropriate state licenses or is otherwise authorized to make consumer loans under applicable state law. Artis is not a broker. We use the information you provide us to allow our Lenders to offer loans that may be of interest to you. Information you provide will be enriched with other data sources, such as your credit report, to determine if you meet the eligibility criteria for a loan. After we analyze the information you provide and if you are eligible to apply for a loan, then we may display loan options that may interest you. You will then have the opportunity to select one of these options. If you do not meet the eligibility criteria for a loan, then we may not provide you with any options. When you apply for a loan, you agree to provide current, complete and accurate information. If any information you provide is untrue, inaccurate, or incomplete, we have the right to reject any application you have submitted or terminate any agreement we have with you.
Collection of Information and Verification
Electronic Communications/Notices and Information Delivered Electronically
Copyright, Trademark and Service Mark Notices
All text, graphics, photographs, videos, sound, trademarks, logos, artwork, interfaces and computer code, including but not limited to the design, coordination, “look and feel” and arrangement of elements contained on the Site (collectively, “Content”) is owned by, or licensed to Artis. The Content is protected by trademark, copyright, and patent laws, and other intellectual property rights and unfair competition laws, as applicable. Except as expressly stated herein, no part of the Site or Content may be copied, reproduced, republished, uploaded, posted, publicly-displayed, encoded, transmitted or distributed in any way, including the use of framing or mirrors, to any other computer, server, website or other medium for publication or distribution or for any commercial enterprise, without Artis’s prior written permission. Nothing on the Site should be construed as granting any license or right to use any Content.
Disclaimers and Liability
The Site, Content and the Services are provided for use “as is,” without warranty of any kind. Artis does not warrant that the Site, Content or Services will be accurate, error-free or uninterrupted. Artis does not warrant that the Site, Content or Services will provide specific results.
To the maximum extent not prohibited by law:
- Under no circumstances shall Artis be liable for any damages whatsoever arising out of your reliance on or use of the Site, Content, Services or any other items located on the Site.
- Artis disclaims, to the extent allowed by applicable law, all warranties of any kind, whether statutory, express or implied, including, without limitation, implied warranties of merchantability and fitness for a particular purpose, related to your access to and use of the Site and the Services.
Additionally, the inclusion or offering of the Services on the Site does not constitute an endorsement or recommendation of any third party or its products or Services by us. All such information, products and services by any third party are offered and provided “as is,” without warranty of any kind.
Limitation on Damages
Links to Third-Party Websites
The Site may contain links to other websites maintained by third parties. Such links are provided for your convenience and reference only. We do not operate or control in any respect any information, software, products or services available on non-affiliated third-party websites. Our inclusion of a link to a website does not imply any endorsement of the website or the services offered by the website, its contents, or its sponsoring organization. Your use of any such third-party website may be subject to other terms and conditions imposed by the third parties maintaining those websites. When you leave the Site, you agree that Artis is neither responsible for the accuracy or content of the information provided by that website, nor is it liable for any direct or indirect technical or system issues arising out of your access to or use of third-party technologies or programs available through that website.
Errors and Delays
You agree that Artis is not responsible for any errors or delays in responding to any request or referral from or caused by, including but not limited to, an incorrect email address, mailing address, or other information provided by you or other technical problems beyond our reasonable control.
Dispute Resolution, Governing Law, Waivers and Limitations
YOU AGREE THAT ANY DISPUTE BETWEEN YOU AND US, INCLUDING WITHOUT LIMITATION, DISPUTES RELATING TO THE SITE, CONTENT OR SERVICES (“DISPUTE”), SHALL BE FINALLY AND EXCLUSIVELY RESOLVED BY THE AMERICAN ARBITRATION ASSOCIATION (AAA) AS EXPLAINED BELOW..
- Arbitration awards are generally final and binding; a party’s ability to have a court reverse or modify an arbitration award is very limited.
b. The ability of the parties to obtain documents, witness statements and other discovery is generally more limited in arbitration than in court proceedings.
c. The arbitrators do not have to explain the reason(s) for their award.
d. The rules of some arbitration forums may impose time limits for bringing a claim in arbitration. In some cases, a claim that is ineligible for arbitration may be brought in court.
e. The rules of the arbitration forum in which the claim is filed and any amendments thereto, shall be incorporated into this agreement.
IF A DISPUTE OR CLAIM IS NOT SUBJECT TO ARBITRATION FOR ANY REASON, THEN THE DISPUTE OR CLAIM SHALL BE DECIDED IN A COURT OF COMPETENT JURISDICTION WITHOUT A JURY. YOU AND ARTIS WAIVE ALL RIGHTS TO A TRIAL BY JURY.
You also agree that any Dispute or cause of action arising out of or related to the Site, Services or Content must be commenced within one year from the later of: (1) the date when the dispute or cause of action accrues; or (2) through the exercise of reasonable diligence, the date when you should have known about the accrual of the cause of action. Otherwise, such cause of action shall be permanently barred.
Terms Applicable to All Services
By submitting any form through the Site, and separately for each such request you submit, you are indicating that you desire to be contacted by Artis, and you are providing express written consent that Artis or a third party on Artis’s behalf may deliver telephone calls or text messages to you, including to your cellular telephone number, for any purpose, including for marketing purposes, using an automatic telephone dialing system or an artificial or prerecorded voice to the telephone number you have provided. You understand that you are providing this consent to receive such telephone calls even if your telephone number is currently listed on any federal, state, local, internal, or corporate Do-Not-Call (“DNC”) List. You understand that you are not required to consent to receive these communications as a condition of using the Services.
You consent to receive email from Artis, its affiliates, its Lenders, and its Providers at the email address you provided or at other email addresses that may be associated with you that we receive from Lenders, Providers or other third parties. You hereby consent to any such email, and thus, such emails shall not be considered spam or unauthorized email communications by any local, state, or federal law or regulation. You agree that the consent described herein shall remain valid and effective until you revoke such consent by opting out as described below.
You may opt out of receiving calls or marketing material from Artis at any time by emailing firstname.lastname@example.org and expressly stating in writing that you no longer wish to be contacted by Artis and are revoking your consent to be contacted. This request applies only to Artis and is not applicable to Lenders or Partners, who must be contacted separately by you with the same request. Requests for suspension of marketing and other contacts may be overridden by existing law, including but not limited to, financial regulations that may require maintenance of customer records or email communication of tax forms.
Please note that a completed form you submit to Artis through the Site may not be an application for credit. Rather, it may be an inquiry for Artis to present conditional offers. (Any application for credit will be specifically labeled to indicate such purpose.) You understand that Artis may keep the information provided on such form and any other information provided or received in the processing of your form, whether or not you may qualify for a product or thereafter complete a formal application.
By using the Services and saving your information on the Site or submitting a form through the Site, you represent that all the information you provide is true, accurate, current, and complete. You further acknowledge that you will not authorize anyone else to use your account to access the Services. You shall not sell, transfer, or assign your account to anyone else. You agree to keep your login information confidential, to employ reasonable and appropriate safeguards to prevent unauthorized access to your account, and not to share your account credentials with any third party or otherwise allow anyone else to log into the Site as you. You are responsible for all activities that occur under your registered member account, as accessed through the Site. If you believe that your account is no longer secure or that a third party has accessed your account without your permission, you agree to notify us immediately.
In addition, certain state and federal laws require that the information you provide us must be securely maintained and cannot be removed, purged, or destroyed by Artis until the expiration of certain prescribed time periods. Artis may also maintain and share information provided by you and about you by third parties for internal marketing and analytic purposes.
Services offered by Lenders and Providers may only be made to residents of states where Lenders are authorized to make such loans or Providers are authorized to provide Services. A Lender’s participation in and offering of its products on the Site does not constitute an offer by any Lender or by Artis to provide the Services outside of its authorized jurisdiction(s), and to the extent you seek or receive information from a Lender or Provider regarding any prospective service that would be outside of the Lenders’ or Providers’ authorized jurisdictions, that information shall be considered for informational purposes only. Lenders shall have the right to discontinue, suspend, or terminate the offering of any loan product or Service in any specific state through the Site at any time, without prior notice.
We do not guarantee your acceptance into any particular program or the granting of specific terms or conditions with any specific Lender or Provider; approval standards are established and maintained solely by individual Lenders. Likewise, we do not guarantee that the rates offered by the Lenders include the lowest rates available in the market or the rate that the Lenders will ultimately charge you. A Lender’s conditional loan offer may be subject to market conditions, approval, and qualification, or other risk assessment factors. The rates and fees actually provided by a lenders may be higher or lower depending on your complete credit profile, collateral/property considerations (if applicable), including but not limited to location, equity and value and income/asset consideration including but not limited to Loan to value and debt to income ratios. Unless expressly stated in writing, nothing contained herein shall constitute an offer or promise for a loan commitment or interest rate lock-in agreement. Lenders and Providers may not offer all products, or any products, in all states. You understand that you might not be matched with the Lender making any specific offer.
By clicking on any button indicating an acceptance or agreement to terms, a continuance of processing or submission (collectively, a “submission”), you understand that you are consenting, acknowledging, and agreeing to the stated terms and conditions of that submission and that you are submitting an inquiry for a Service through Artis to each of the Lenders to whom your Loan request is transmitted. You are also indicating that you consent, acknowledge and agree to receive notices, disclosures and other communications (“Disclosures and Communications”) in electronic form (either by email or via the Internet) as provided for in the Consent for Electronic Disclosures and Communications from Artis and its Lenders and Providers.
You may terminate your relationship with us by notifying us in writing using the information in the “Contact Us” section below. We may terminate your use of the Site or the Service on any grounds, without notice, and without liability to you or any third party. If your use of the Site is terminated, you will still remain liable for any obligations you have incurred in connection with your use of the Site. We have the right to bar you from accessing the Site without incurring any liability to you or any third party.
Artis Technologies, LLC
P.O. Box 1134
Atlanta, GA 30303-9997.
You may contact us by email at email@example.com.