Terms of Use
The SBAQuickLoan.com Web Site (the “Site”) is an online service provided by SBAQuickLoan.com (“SBAQuickLoan.com”), and operated by Centrust Bank. Your usage is subject to your compliance with the terms and conditions set forth below.
Please read the following information carefully before using this Site. By accessing or using this Site, you agree to be bound by these Terms of Use. If you do not agree with any of the below Terms of Use, do not use this Site. SBAQuickLoan.com reserves the right, in its sole discretion, to modify, alter or otherwise update these Terms of Use at any time and by continuing to use the Site after the posting of a modification, you accept the modification.
The terms and conditions herein apply to SBAQuickLoan.com, its parent companies, subsidiaries, affiliates, and divisions, all of which are referred to herein as “SBAQuickLoan.com”. The terms and conditions herein are in addition to, and do not override, the specific terms and conditions that apply to the products or services offered by SBAQuickLoan.com.
Nothing in this Site shall be construed as a loan approval or other obligation on the part of SBAQuickLoan.com to make a loan. The terms and conditions applicable to any SBAQuickLoan.com product or service are contained in the specific agreement(s) relating to such product or service.
Disclaimer of Warranties and Liability
Information offered on this Site is provided “as is” without any express or implied warranty of any kind, including warranties of merchantability, fitness for a particular purpose, or non-infringement. In no event will SBAQuickLoan.com be liable to any party for any damages of any kind, including but not limited to direct, indirect, special or consequential damages for any use of this Site or any linked site including, without limitation, lost profits, loss of use, business interruption, loss of programs or other data, whether in an action based on contract, negligence or other tortious action, even if SBAQuickLoan.com is expressly advised of the possibility of such damages. In the event of your use, any and all such liability shall be limited to twice the fee paid by you, if any. Some jurisdictions do not allow the exclusion or limitation of warranties or damages in certain types of agreements, so the above exclusions or limitations may not apply to you, but only to the extent not permitted by state law, with all remaining provisions given the fullest possible legal effect. In no event will SBAQuickLoan.com warrant or guaranty the correctness, comprehensiveness, completeness, accuracy, timeliness, merchantability or fitness for any particular use or purpose of any information or any products or services featured on this Site. Any loan pre-qualification or commitment provided to you in any form is expressly subject to approval by legal counsel for Centrust Bank, as well as by its Executive Loan Committee, and may not be relied upon by any party, including third parties, for any purpose, and shall not constitute an agreement by said Bank to fund, modify, re-finance or forbear from enforcing any loan or rights of lender.
Confidentiality Limitations
Comments, suggestions, ideas or materials (including without limitation original or creative materials but excluding your personal information, which is addressed separately herein below) sent or transmitted to SBAQuickLoan.com (collectively “Feedback”) shall be deemed to be non-confidential and shall become the sole property of SBAQuickLoan.com. Subject to the conditions described on the privacy page of this Site, SBAQuickLoan.com shall have no obligation of any kind with respect to such Feedback and shall be free to use, copy, modify and/or distribute the Feedback to others without limitation for any purpose, commercial or otherwise, without compensation or acknowledgement to you, including, but not limited to developing and marketing products incorporating such Feedback.
Trademark Rights
SBAQuickLoan.com TM, the SBAQuickLoan.com logo and the SBAQuickLoan.com product and service names referenced in this Site (“SBAQuickLoan.com Marks”) are trademarks and service marks or registered trademarks and service marks of SBAQuickLoan.com. Your use of the SBAQuickLoan.com Marks is governed by the SBAQuickLoan.com Third-Party Trademark and Logo Usage Requirements. Other products and company names mentioned on the Site may be the trademarks of their respective owners.
Copyright Information
Copyright Notice: © 2019 Centrust Bank. All Rights Reserved. Please refer to the SBAQuickLoan.com Copyright Usage Requirements for additional information concerning copyrights.
Linking Policy
You are granted a limited, non-exclusive right to create a hypertext link to this Site provided that such link (i) does not portray SBAQuickLoan.com and/or its affiliates or any of their respective products and services in a false, misleading, derogatory or otherwise defamatory manner; and (ii) does not imply any sponsorship, approval, endorsement or affiliation of your web site or products by SBAQuickLoan.com. This limited linking right may be revoked at any time. You may not modify or alter the appearance or content of the home page or Site, or use framing techniques to enclose any SBAQuickLoan.com trademark, logo or other proprietary information, including the images found at this Site, the content of any text or the layout/design of any page or form contained on a page without SBAQuickLoan.com express written consent. To obtain consent, please email your request to webmanager@SBAQuickLoan.com.com or send regular mail to Internet Manager; SBAQuickLoan.com;1175 Corporate Woods Parkway, Vernon Hills, Illinois 60061 USA. You are granted only a limited license and nothing herein shall grant to you any rights in or to (i) any SBAQuickLoan.com Marks; (ii) the content of the Site; nor (iii) any other intellectual property or proprietary rights of SBAQuickLoan.com.
SBAQuickLoan.com makes no representations, warranties or endorsements with respect to any non- SBAQuickLoan.com web site which may be accessed from this Site. When you access a non- SBAQuickLoan.com web site, please understand that SBAQuickLoan.com has no control over the content or information at that site. It is your responsibility to protect your system from such items as viruses, worms, Trojan horses and other destructive items.
Special Admonition for International Use
Recognizing the global nature of the Internet, you agree to comply with all local rules including, without limitation, rules about the Internet, data, e-mail, or privacy. Specifically, you agree to comply with all applicable laws regarding the transmission of technical data exported from the United States or the country in which you reside.
Jurisdictional Issues
This Site is controlled and operated by SBAQuickLoan.com through its offices within the State of Illinois and this Agreement shall be governed by, construed and enforced in accordance with the laws of the State of Illinois, as it is applied to agreements entered into and to be performed entirely within such State. You agree that any legal action or proceeding between SBAQuickLoan.com and you for any purpose concerning this Site or the parties’ obligations hereunder shall be brought exclusively in the U.S. District Court for the Northern District of Illinois or state court of competent jurisdiction sitting in the County of Cook, State of Illinois.
Indemnification
You agree to indemnify, defend and hold harmless Centrust Bank, its officers, directors, employees, agents, licensors, suppliers and any third party information providers to the Site from and against all losses, expenses, damages and costs, including reasonable attorneys’ fees, resulting from any violation of these Terms of Use.
Miscellaneous
This Site is for informational purposes only and is not intended to provide any financial, legal, or investment advice. Some of the information on this Site may contain certain forward-looking statements within the meaning of the “safe harbor” provisions of the Private Securities Litigation Reform Act of 1995 regarding events and trends that may affect SBAQuickLoan.com’s future results. Such statements are subject to risks and uncertainties that could cause SBAQuickLoan.com’s actual results to differ materially. Such factors include, but are not limited to, SBAQuickLoan.com’s ability to recruit and maintain key technical and managerial personnel, the maintenance of its existing relationships with key alliance partners, regulatory changes applicable to the use of consumer credit and other data, its ability to continue to develop new and enhanced products and services, competition, market demand and other factors described in SBAQuickLoan.com’s annual report to stockholders, its annual report on Form 10-K, quarterly reports on Form 10-Q, and other reports filed with the Security and Exchange Commission.
No waiver of any breach of any provision of these Terms of Use shall constitute a waiver of any prior, concurrent, or subsequent breach of the same or other provisions hereof. All waivers must be in writing. If any court of competent jurisdiction finds any part or provision of these Terms of Use to be invalid or unenforceable, such findings shall have no effect on any other part or provision of these Terms of Use.
Any action against SBAQuickLoan.com must be brought within six (6) months after the cause of action arises. SBAQuickLoan.com is not responsible for delay or failure to perform due to causes beyond its reasonable control.
Any rights not expressly granted herein are reserved.
Trademark Requirements:
SBAQuickLoan.com Third-Party Trademark and Logo Usage Requirements
These Trademark and Logo Usage Requirements (“Usage Requirements”) set forth SBAQuickLoan.com rules for third parties using or referring to SBAQuickLoan.com’s brand names, trademarks, service marks, product and service names, logos, and slogans (collectively referred to as “SBAQuickLoan.com Marks”). They apply to all non- SBAQuickLoan.com parties using or making reference to SBAQuickLoan.com Marks unless a separate license agreement applies. Other requirements apply to SBAQuickLoan.com licensees and are set forth in a specific license agreement.
General
SBAQuickLoan.com’s Marks are SBAQuickLoan.com’s intellectual property and are important and valuable assets of the company. Any use of SBAQuickLoan.com Marks that is inconsistent with these Usage Requirements, or other unauthorized use of SBAQuickLoan.com Marks or marks that are confusingly similar to SBAQuickLoan.com Marks, may violate SBAQuickLoan.com’s legal rights. SBAQuickLoan.com appreciates your compliance with these Usage Requirements and will take steps to protect the SBAQuickLoan.com Marks against improper use and infringement. SBAQuickLoan.com reserves the right to object to any use of SBAQuickLoan.com Marks (or anything confusingly similar to a SBAQuickLoan.com Mark) that SBAQuickLoan.com deems to be unlawful under the circumstances, even if that use is not expressly prohibited by these Usage Requirements.
Fair Use of SBAQuickLoan.com Marks
You may refer to SBAQuickLoan.com products and services by their appropriate SBAQuickLoan.com Mark (other than logos and stylized marks), so long as such references (a) are truthful, fair, and not misleading, and (b) comply with these Usage Requirements.
SBAQuickLoan.com Logos and Stylized Marks
You should never use SBAQuickLoan.com logos or stylizations of SBAQuickLoan.com Marks unless you have a license agreement or other explicit written permission from SBAQuickLoan.com to do so.
Proper Use of Trademark Symbols
Always use the proper trademark symbol (™, sm, or ®) immediately following at least the first reference to the trademark on any page.
The exception to the above rule is when the “SBAQuickLoan.com” name is used as our company name, as opposed to an identifier of one of our products or services. In this case you should not use the ® symbol.
Examples of Correct Uses of Some SBAQuickLoan.com Marks
The following examples illustrate the correct use of ™, sm, or ® and the use of the trademark as an adjective with the correct generic noun or phrase:SBAQuickLoan.com ® TomScore ® or TomScore™ BBG® or BBG™. Check the list of SBAQuickLoan.com trademarks below to verify how SBAQuickLoan.com Marks should appear.
Acknowledgment of Trademark Rights
Assuming your use of a SBAQuickLoan.com trademark is permitted, you should always acknowledge that SBAQuickLoan.com owns the trademark. If it is not clear from the context of the use of the SBAQuickLoan.com Mark (e.g., SBAQuickLoan.com ® Scores), you should include a separate acknowledgment. The acknowledgment should appear in legible type in any materials in which a SBAQuickLoan.com Mark appears. The following language is acceptable: “SBAQuickLoan.com and [Insert SBAQuickLoan.com Marks used] are trademarks and/or registered trademarks of Bizware Inc and Centrust Bank.” Materials that mention SBAQuickLoan.com only:“SBAQuickLoan.com is a registered trademark of SBAQuickLoan.com.”. Remember that the inclusion of a trademark symbol and acknowledgment does not turn an improper use of a SBAQuickLoan.com Mark into a proper use or entitle you to use any SBAQuickLoan.com Mark in a way prohibited by law or otherwise not allowed under these Usage Requirements.
Prohibitions
Do not use any SBAQuickLoan.com Mark, and do not adopt a “look and feel” with respect to any publication or Web site, in a way that might cause confusion about the relationship between SBAQuickLoan.com and any other party or any non- SBAQuickLoan.com product or service (e.g., as to source, origin, sponsorship, or endorsement). Do not incorporate any SBAQuickLoan.com Mark into your own product names, service names, trademarks, logos, or company names, and do not adopt marks or logos that are confusingly similar to any SBAQuickLoan.com Marks.
Do not use or reproduce any SBAQuickLoan.com logos unless you have explicit written permission to do so. Do not use any SBAQuickLoan.com Marks as a meta tag for your web pages. Do not use any SBAQuickLoan.com Mark or any confusingly similar words as your domain names or as parts of your domain names.
Do not use any SBAQuickLoan.com Mark or any confusingly similar words as the alphabetic equivalent of a phone 1-855-SBA-EASY.
Do not use SBAQuickLoan.com Marks as Internet search “keywords” or in any other way that is intended to or has the effect of directing traffic to a non- SBAQuickLoan.com Web site. Do not state or imply that you have or are claiming rights in any SBAQuickLoan.com Mark. Do not use SBAQuickLoan.com Marks in any improper way that would disparage SBAQuickLoan.com, its subsidiaries, its products, or its services (i.e., unfair competition, false or misleading, etc.).
Copyright-Usage-Requirements:
SBAQuickLoan.com Copyright Usage Requirements
The following requirements apply to all content contained on the Web site having the primary URL of SBAQuickLoan.com.com (referred to below as the “SBAQuickLoan.com Web Site”): Everything that appears on the SBAQuickLoan.com Web Site, including articles, graphics, photographs, and other information, individually and as a collective whole, as well as the “look and feel” of the SBAQuickLoan.com Web Site (all of which is referred to as the “Content”), is protected under the copyright laws of the United States and applicable international copyright laws and treaties. No display, copying, modification, publication, performance, reverse engineering, or redistribution of the Content by any method is permitted except as provided in these Usage Requirements. The copyrights in the Content are owned by Fair Isaac Corporation (“SBAQuickLoan.com”) or by third parties who have licensed their materials to SBAQuickLoan.com. These third-party materials are also copyrighted, and no copying, modification, or redistribution is permitted without the express written permission of SBAQuickLoan.com and the third party. The following applies to all SBAQuickLoan.com materials on the SBAQuickLoan.com Web Site:
Limited License to Copyrighted SBAQuickLoan.com Materials
Individual Use:
Except for Content identified as being licensed from a third party, you may download, store, print, and copy selected portions of the Content for your own personal, noncommercial use, provided that:
1.You do not modify or alter the Content in any way.
2.You do not delete or modify any copyright or trademark notices.
3.You do not publish or post any part of the Content on any other Internet site.
4.You do not display, publish, or broadcast any part of the Content in or on any other media.
5. You do not sell or charge others for the use of any materials you print or download.
Fair Use and Use for Educational Purposes:
SBAQuickLoan.com does allow “fair use” of limited portions of the SBAQuickLoan.com Content for quotations, references, research, etc., as allowed by applicable law. Any use described in the foregoing paragraph must be complete, accurate, and not misleading, and must not delete or modify any copyright or trademark notices. Any publication or display of Content must clearly disclose that the Content is the copyrighted property of SBAQuickLoan.com and that additional information can be found at www.SBAQuickLoan.com. An example of an appropriate disclosure notice is:
“This information is provided by SBAQuickLoan.com, and is used with permission. Copyright © SBAQuickLoan.com. All rights reserved. Further use, reproduction, or distribution is governed by the SBAQuickLoan.com Copyright Usage Requirements, which can be found at www.SBAQuickLoan.com.”
Journalists
For more information on SBAQuickLoan.com, including media contact information, please refer to the “News” section of www.SBAQuickLoan.com.
Commercial Use:
In general, use of Content for commercial purposes is prohibited. For example, without SBAQuickLoan.com’s express written permission, you may not:
Use any Content to sell, market, or promote any other product or service;
Use or refer to any Content in any way that expresses or implies any sponsorship or endorsement by SBAQuickLoan.com or is otherwise likely to mislead consumers into thinking that any third-party Web sites, materials, products, or services are provided, created, sponsored, or endorsed by or affiliated with SBAQuickLoan.com.
Affiliates
Affiliate Partners of SBAQuickLoan.com may obtain consent to use portions of our Content. Please see Reprint or Reuse Permission below for instructions.
Limitations and Termination
Except as expressly stated above, you may not copy, download, print, publish, display, perform, distribute, transmit, transfer, translate, modify, add to, create derivative works from, update, abridge or in any other way transform or adapt all or any part of the Content without first obtaining written permission from SBAQuickLoan.com. Any rights not expressly granted herein are reserved. No license is granted to any HTML or other code incorporated into the SBAQuickLoan.com Web Site.
Any license granted hereunder does not allow you to misstate or mischaracterize the Content or any position taken by SBAQuickLoan.com, including reproducing portions of the Content out of context in a way that is likely to be misleading to any person.
Any license granted under these Usage Requirements will terminate automatically if you breach any of these Usage Requirements.
Privacy:
This website is owned and operated by Centrust Bank, an Illinois banking corporation. Centrust Bank and its SBA Division are not affiliated with the Small Business Administration and are not governmental agencies or entities. SBAQuickLoan.com we are committed to providing you with analytic tools and decision management products and services to meet your needs. Our commitment includes protecting personally identifiable information we obtain about you when you register to use one of our websites or become our customer (“Personal Information”). We want to earn your trust by providing strict safeguards to protect this information. This SBAQuickLoan.com Privacy Policy describes how we collect, use and disclose Personal Information. This Privacy Policy applies to members, customers, former customers, users, and applicants. Note: If you are an individual and you register to use one of our websites, or become our customer by obtaining a product from us to be used primarily for personal, family or household purposes, please review the separate SBAQuickLoan.com Privacy Policy that applies to you and your transactions with SBAQuickLoan.com and our consumer division, my SBAQuickLoan.com at www. SBAQuickLoan.com.
Collection of Personal Information
We collect information from applications, questionnaires, and other forms you submit to us, such as your name, your job title, your company’s name and industry sector, your company’s location (country, state and zip code), and your contact information (address, email, and telephone number). We collect information from your transactions and interactions with us, such as your professional interests, or information you may provide via your interactions with our online forums, blogs, or participation in our online communities. We may collect information from credit bureaus if it is necessary for the delivery of the services we provide you, and we may access public sources of information, such as census data and real estate records, and private source of information such as business bureau, industry analyst, or market research data. We do not permit other parties to collect personally identifiable information about your online activities over time and across different Web sites when you use our Web site or service. Collecting Personal Information is necessary for performance of the services and functionalities offered on the website. If you decline to provide the requested Personal Information, we may not be able to process your inquiry, provision access to certain functionality, or fulfill requests. This website is hosted by SBAQuickLoan.com on servers located in the United States and other countries. If you are located in a non-US jurisdiction, you may be sending your Personal Information to the United States or another jurisdiction that does not have laws that provide an equivalent level of data protection to the laws in your home country.
Use of Cookies
We may use web-based tools when you visit our websites, such as “cookies” to track your online activities, including your registration, submissions, and information requests, in accordance with applicable law. Cookies are small text files placed by a website server on your computer or other device you are using to access the website. They are NOT viruses, capable of being programmed, capable of spreading malware or capable of identifying you personally. Some collect anonymous information of the pages you have viewed, and are used to assess the website’s performance so that we, in turn, can monitor and improve performance. Other cookies track your online activities on this website, including the IP address from which you accessed the website, and may link that information with Personal Information you have provided us through online registration, to help us remember your settings, all with a view to improving your experience on the website. We may also use your IP address to help diagnose problems with our server and to administer the website. The length of time we may keep a cookie on your device will depend on the nature of the cookie and the reason we have set it. We use “session” cookies, which expire when you close your browser and do not remain on your computer or device. We also use “persistent” cookies, which remain on your computer or device, and which are deleted when they are no longer necessary. Some cookies are necessary for the functioning of the website and will be set automatically on your arrival. The remainder are deployed only after you have given your consent. Use of Google Analytics Cookies: This website uses Google Analytics, a web analyst service provided by Google, Inc. (“Google”). Google Analytics uses “cookies”, which are text files placed on your computer to help the website analyze how users use the site. The information generated by the cookie about your use of the website (including your IP address) will be transmitted to and stored by Google on servers in the United States. Google will use this information for the purpose of evaluating your use of the website, compiling reports on website activity for website operators and providing other services relating to website activity and internet usage. Google may also transfer this information to third parties where required to do so by law, or where such third parties process the information on Google’s behalf. Google will not associate your IP address with any other data held by Google. You may refuse the use of cookies by selecting the appropriate settings on your browser, however please note that if you do this you may not be able to use the full functionality of this website. By using this website you consent to the processing of data about you by Google in the manner and for the purposes set out above. Full terms relating to the use of Google Analytics can be accessed at http://www.google.co.uk/analytics/tos.html. How to enable and disable cookies using your browser. Your web browser may be set to accept cookies automatically, but can be changed to decline them. The Help section of the toolbar on most browsers will tell you how to set your browser to prevent accepting new cookies, how to have the browser notify you when you receive a new cookie, or how to disable cookies altogether. Please note that if you decline to accept cookies, then you may be required to re- register each time you download or request materials from the website.
Use of Personal Information
We use Personal Information to register you with the website and provide you with requested information or services. We may also from time to time use your contact information to send you information about SBAQuickLoan.com and marketing materials via telephone, automated email messages, and direct mail. These email messages may contain web beacons and other features that tell us you received and were able to open the message. We do not honor electronic do-not-track signals sent by your browser when you visit our site or other mechanisms that would give you the ability to exercise choice regarding the collection of Personal Information about your online activities over time and across third party Web sites, but at any time you may opt out of receiving further email communications from us by clicking the unsubscribe link in the footer of all SBAQuickLoan.com email messages. This website may contains links to other websites; SBAQuickLoan.com is not responsible for the privacy practices or the content of other websites.
Disclosures of Personal Information
SBAQuickLoan.com may disclose Personal Information to third parties as required or permitted by law, under the following circumstances:
1. We may disclose Personal Information to companies in our corporate group as necessary or appropriate to provide the product or service you requested, to contact you in connection with product or service offerings, or for other legitimate business purposes.
2. We may disclose certain Personal Information to companies and individuals with whom we contract to perform business functions and services on our behalf. Such business functions may include hosting our web servers, analyzing data, providing legal, accounting and marketing services, and providing other support services.
3. We may disclose certain Personal Information to other companies and individuals to help us market our products, including business partners in joint marketing agreements. We require all such parties to maintain the security and confidentiality of the Personal Information, and to process the data in accordance with our instructions.
4. We may disclose Personal Information to the extent necessary or appropriate to government agencies, advisors, and other third parties in order to comply with applicable laws, or if such action is necessary to protect the rights or property of SBAQuickLoan.com or its affiliated companies.
5. We may disclose Personal Information to unaffiliated third party SBA lenders in the event we decline to or for any reason do not approve and fund any loan for which you apply, so that they may try to underwrite a loan for you.
Personal Data Security and Confidentiality
We have up-to-date physical safeguards, such as secure areas in buildings; electronic safeguards, such as passwords and encryption; and procedural safeguards, such as customer authentication procedures to prevent ID theft. We restrict access to information about you to only those employees and unaffiliated third parties who need to know that information to provide products or services to you. We carefully select and monitor outside service providers, such as mail vendors, who have access to customer information, and we require them to keep it safe and secure. We do not allow them to use or share the information for any purpose other than the job they are hired to do. We train our employees on these security procedures, and we conduct regular audits to check on compliance with the procedures.
Personal Data Access and Correction
SBAQuickLoan.com will provide you access to Personal Information about you so you can correct or delete the Personal Information in accordance with applicable law. You may have additional rights in certain states, such as objecting to and blocking the processing of your Personal Information, which rights SBALendingHub will promptly honor.
• Notice. We will notify you about the purposes for which we collect and use information about you. We will provide information about how you can contact us with any inquiries or complaints, the types of third parties to which we disclose the information and the choices and means you have for limiting its use and disclosure..
• Onward Transfer (Transfers to Third Parties). We will apply the notice and choice principles when we disclose information to a third party. If we transfer information to a third party that is acting as an agent, we will require that the third party agree to have adequate privacy protection as is required by the relevant principles.
• Access. You will have access to personal information about yourself that we hold, and you may correct, amend, or delete that information where it is inaccurate, except where the burden or expense of providing access would be disproportionate to the privacy risks in question, or where the rights of persons other than you would be violated.
• Security. We will take reasonable precautions to protect personal information from loss, misuse and unauthorized access, disclosure, alteration and destruction.
• Data Integrity. We will take precautions to assure the personal information is relevant for the purposes for which it is to be used. We will take reasonable steps to ensure that data is reliable for its intended use, accurate, complete, and current.
I AFFIRMATIVELY CONSENT to the foregoing terms and conditions of use, and to the use and sharing my contact and personal data and information as provided above, and to receiving telephone or email communications to provide information regarding the aforesaid loan products and services, and other similar SBAQuickLoan.comproducts and services.
