Terms of Use

Terms of Use

Please Read the Terms of Use as well as the Privacy Policy before using the WEBSITE

General Acceptance

By using and/or visiting this website and/or using Qoin 365 Platform, you signify your consent to both these terms and conditions (“Terms of Use”) and the terms and conditions of Qoin 365 (“Qoin 365”) PRIVACY POLICY. If you do not agree to any of these terms, then please do not use the Website or the Services. In addition to all other agreements that may be provided to you, this Terms of Use Agreement sets forth the legally binding terms for your use of the Services and they shall apply to all users of the Website. By using the Services, you agree to be bound by this Agreement. You are only authorized to use the Services (regardless of whether your access or use is intended) if you agree to abide by all applicable laws and to this Agreement. Please read this agreement carefully and save it. If you do not agree with it, you should leave the website and discontinue use of the services immediately. If you wish to use the services, you must read this agreement. In order to participate in certain other services provided through the Website, you will be notified that you are required to agree to additional terms and conditions.

Qoin 365 may modify this Agreement from time to time and such modification shall be effective upon posting by Qoin 365 on the Website. You agree to be bound to any changes to this Agreement when you use the Services after any such modification is posted. It is therefore important that you review this Agreement regularly upon each use of the Services to ensure you are updated as to any changes.

Mortgage Loan Products and Services; Authorization to Obtain Your Credit Report and Credit Score

Qoin 365 is an online marketplace where you can research and compare prices in a number of different categories, including home purchase loans, home equity loans, home refinance loans, and cash-out refinance or debt consolidation loans backed by a mortgage (collectively “Mortgage Loan Products”). Other products include business loans, merchant cash advance, near prime business loans, commercial loans (collectively “Business Loan Products”). You understand and agree that if you submit a request for a Mortgage Loan Product, Business Loan Product, Personal Loans or Credit Score Consultation, Qoin 365 will share the personal information that you provided to QOIN 365, including but not limited to your full name, birth date, address, telephone number, and social security number (“Self-Reported Information”) with clients in our client network, including banks, correspondent lenders, mortgage bankers and brokers (referred to individually as “Client” and collectively as “Clients”) to process and fulfill your request. You understand that by submitting your request for Mortgage Loan Products and/or Business Loan Products you are providing “written instructions” in accordance with the Fair Credit Reporting Act, as amended (“FCRA”), for Qoin 365 to use your social security number, Year of Birth or other Self-Reported Information to obtain and use your credit report and credit score for the purpose of verifying and/or correcting the Self-Reported Information. You authorize Qoin 365 as your agent to share with Clients on your behalf the Self-Reported Information, either as reported by you or as corrected by Qoin 365, for the purpose of matching your request with Clients, and only in connection with Mortgage Loan Products, Business Loan Products, Personal Loan Products or Credit Score Consultation. Qoin 365 will not obtain your credit report or credit score in connection with any product or service that it offers other than Mortgage Loan Products, Business Loan Products, Personal Loan Products or Credit Score Consultation. You acknowledge that Qoin 365 does not make loan or credit decisions in connection with the Service and that Qoin 365 is not a party to any agreement that you may make with the Client, and that the Client is solely responsible for its services to you. You further acknowledge that Qoin 365 is not acting as your agent or broker (*See Qoin 365 Services) and is not recommending any particular loan product or Client to you. Any compensation Qoin 365 may receive is paid by the individual Client for the products and services rendered by Qoin 365 to that particular Client. Qoin 365 does not charge you a fee to use the Qoin 365 Website. You understand that requirements for a particular loan product are made by the individual Clients and that Qoin 365 does not endorse, warrant, or guarantee the products or services of any the Client. Nothing contained herein shall constitute an offer or promise for a loan commitment or interest rate lock-in agreement. You agree that Qoin 365 shall not be liable for any damages or costs of any type which arise out of or in connection with your use of the Client’s service.

By submitting your contact request for a loan product, you are consenting to be contacted by one or more Clients either by telephone (on a recorded line), automated calling, on a mobile device, via email or mail, based on the information you have provided to us, even if you have opted into the National Do Not Call List administered by the Federal Trade Commission, any state equivalent Do Not Call List, or the Do Not Call List of an internal company. You understand that the Clients may maintain the information you submitted to QOIN 365 whether you elect to use their services or not. In the event you no longer want to receive communications from a Client, you agree to notify the Client directly. You also give QOIN 365 permission to send you periodic updates of current loan products which may be of interest to you.

 Qoin 365 Services

You further acknowledge that Qoin 365 is not acting as your agent or broker and is not recommending any particular loan product or Client to you when the site is used as a platform to get offers of loans for you. Any compensation Qoin 365 may receive is paid by the individual Client for the products and services rendered by Qoin 365 to that particular Client. Qoin 365 does not charge you a fee to use the Qonin 365 Website. You understand that requirements for a particular loan product are made by the individual Clients and that Qoin 365 does not endorse, warrant, or guarantee the products or services of any the Client. Nothing contained herein shall constitute an offer or promise for a loan commitment or interest rate lock-in agreement. You agree that Qoin 365 shall not be liable for any damages or costs of any type which arise out of or in connection with your use of the Client’s service.

Qoin 365 may act as a broker for you in cases of business loan products and may act as a mortgage banker or mortgage broker in states that Qoin 365 has a mortgage banker and/or mortgage broker license or is a DBA of any company that is licensed to be a mortgage banker and/or broker. 

Intellectual Property Rights

The content on the site (the “Content”) and the Services are subject to copyright and other intellectual property rights (including but not limited to patents, copyrights, logos, trademarks, service marks and graphics). This content is owned by Qoin 365 or any subsidiary or third parties.  To the best of its knowledge, Qoin 365 uses only content that it owns or is otherwise allowed and permitted for use by the owner/s of the copyrights and other intellectual property rights therein. Content on the website is provided to you as is only and it may not be used, copied, reproduced, distributed, transmitted, broadcast, displayed, sold, licensed, or otherwise exploited for any other purposes whatsoever without the prior written consent of the respective owners. Qoin 365 reserves all rights not expressly granted in and to the Website, Services and the Content. You agree to not engage in the use, copying, or distribution of any of the Content or Services other than expressly permitted herein for any commercial purposes. You agree not to circumvent, disable or otherwise interfere with security related features of the Website or features that prevent or restrict use of Services or copying of any Content or enforce limitations on use of the Website or any of the Services or Content therein.

Web Sites, Services & Site Security

Qoin 365 grants you permission to use the website as set forth in this Terms of Use, provided that: (i) you will not alter or modify any part of the website, access data that is not intended for you, or obtain any information about any customer or user of this site; (ii) you will not scan or test the site for a breach in security (iii) you will not attempt to submit a virus to this site in an attempt to crash, flood, overload or some other method to disrupt or interfere with this site.  In order to access some features of the Website, you will have to create an account. You may never use another’s account without permission. When creating your account, you must provide accurate and complete information. You are solely responsible for the activity that occurs on your account, and you must keep your account password secure. You accept sole responsibility for keeping your password secure. You must notify Qoin 365 immediately of any breach of security or unauthorized use of your account. Although Qoin 365 will not be liable for your losses caused by any unauthorized use of your account, you may be liable for the losses of Qoin 365 or others due to such unauthorized use.  By using the website, you expressly relieve Qoin 365 from any and all liability arising from your use of any third-party website. We encourage you to be aware when you leave the website and to read the terms and conditions and privacy policy of each other website that you visit.  If you are linked to an outside site for services, Qoin 365 is not responsible for and services, products, nor warrants the offering of these sites, businesses or individuals. 

Eligibility

Use of the Services is void where prohibited. By using the Services, you represent and warrant that (a) all application information you submit is truthful and accurate; (b) you will maintain the accuracy of such information; (c) you are 18 years of age or older; and (d) your use of the services does not violate any applicable law or regulation. Your application may be deleted without warning, if we believe, in our sole discretion, that you are less than 18 years of age.

Services

Subject to full compliance with the Terms of this Use Agreement, Qoin 365 shall provide certain services related to the input of your application. The Services are provided by Qoin 365 and Qoin 365 assumes no responsibility for any failure in providing the Services to you. Qoin 365 may change, suspend or discontinue any or all of the Services for any reason, at any time, including the availability of any products or services included within the Services. Qoin 365 may also impose limits on all or any of the Services or restrict your access to parts or all of the Services without notice or liability. Qoin 365 may include other opportunities or content in any Qoin 365 product, services, image or webpage.  Qoin 365 reserves the right to cancel the application after 10 days of inactivity.

You accept sole responsibility for all of your activities using the website, including your conduct on the site. You will not use the Services for any unauthorized or illegal purpose. You will be responsible for ensuring that you do not violate any laws of your jurisdiction, including but not limited to copyright laws. You will not upload or transmit viruses, worms or any other destructive code. You will not use bots to engage the Services.

You understand and agree that if you request a product or service other than a loan offered Qoin 365 will share your information with certain business partners to process and fulfill your request. You further agree that our business partners may contact you by telephone, email or mail based on the information you have provided to us, even if you have opted into the National Do Not Call List administered by the Federal Trade Commission, any state equivalent Do Not Call List, or the Do Not Call List of an internal company. You understand that Qoin 365 business partners may maintain the information you submitted to Qoin 365 whether you elect to use their services or not. In the event you no longer want to receive communications from an Qoin 365 business partner, you agree to notify the partner directly.

Disclaimer & Limitation of Liability

YOU AGREE THAT YOUR USE OF THE WEBSITE AND SERVICES SHALL BE AT YOUR SOLE RISK. TO THE FULLEST EXTENT PERMITTED BY LAW, QOIN 365, ITS OFFICERS, DIRECTORS, EMPLOYEES, AND AGENTS DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, IN CONNECTION WITH THE WEBSITE AND YOUR USE THEREOF. QOIN 365 MAKES NO WARRANTIES OR REPRESENTATIONS REGARDING THE ACCURACY OR COMPLETENESS OF THIS WEBSITE’S CONTENT OR THE CONTENT OF ANY SITES LINKED TO THIS SITE. IN NO EVENT SHALL QOIN 365, ITS OFFICERS, MEMBERS, DIRECTORS, EMPLOYEES, OR AGENTS, BE LIABLE TO YOU FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, PUNITIVE, OR CONSEQUENTIAL DAMAGES WHATSOEVER RESULTING FROM ANY (I) ERRORS, MISTAKES, OR INACCURACIES OF CONTENT OR SERVICES, (II) PERSONAL INJURY OR PROPERTY DAMAGE, OF ANY NATURE WHATSOEVER, RESULTING FROM YOUR ACCESS TO AND USE OF OUR WEBSITE, (III) ANY UNAUTHORIZED ACCESS TO OR USE OF OUR SECURE SERVERS AND/OR ANY AND ALL PERSONAL INFORMATION AND/OR OTHER INFORMATION STORED THEREIN, (IV) ANY INTERRUPTION OR CESSATION OF TRANSMISSION TO OR FROM OUR WEBSITE, (IV) ANY BUGS, VIRUSES, TROJAN HORSES, OR THE LIKE WHICH MAY BE TRANSMITTED TO OR THROUGH OUR WEBSITE BY ANY THIRD PARTY, AND/OR (V) ANY ERRORS OR OMISSIONS IN ANY CONTENT OR FOR ANY LOSS OR DAMAGE OF ANY KIND INCURRED AS A RESULT OF THE USE OF ANY CONTENT POSTED, EMAILED, TRANSMITTED, OR OTHERWISE MADE AVAILABLE VIA THE WEBSITE. THE FOREGOING LIMITATION OF LIABILITY SHALL APPLY TO THE FULLEST EXTENT PERMITTED BY LAW IN THE APPLICABLE JURISDICTION. QOIN 365 DOES NOT WARRANT, ENDORSE, GUARANTEE, OR ASSUME RESPONSIBILITY FOR ANY PRODUCT OR SERVICE ADVERTISED OR OFFERED BY A THIRD PARTY THROUGH THE KABBAGE WEBSITE OR ANY HYPERLINKED WEBSITE OR FEATURED IN ANY BANNER OR OTHER ADVERTISING, AND KABBAGE WILL NOT BE A PARTY TO OR IN ANY WAY BE RESPONSIBLE FOR MONITORING ANY TRANSACTION BETWEEN YOU AND THIRD-PARTY PROVIDERS OF PRODUCTS OR SERVICES. AS WITH THE PURCHASE OF A PRODUCT OR SERVICE THROUGH ANY MEDIUM OR IN ANY ENVIRONMENT, YOU SHOULD USE YOUR BEST JUDGMENT AND EXERCISE CAUTION WHERE APPROPRIATE.

Arbitration

YOU UNDERSTAND AND AGREE THAT ALL CLAIMS, DISPUTES OR CONTROVERSIES BETWEEN YOU AND QOIN 365, AND ITS PARENTS, AFFILIATES, SUBSIDIARIES OR RELATED COMPANIES, INCLUDING BUT NOT LIMITED TO TORT AND CONTRACT CLAIMS, CLAIMS BASED UPON ANY FEDERAL, STATE OR LOCAL STATUTE, LAW, ORDER, ORDINANCE OR REGULATION, AND THE ISSUE OF ARBITRABILITY, SHALL BE RESOLVED BY FINAL AND BINDING ARBITRATION AT A LOCATION DETERMINED BY THE ARBITRATOR. ANY CONTROVERSY CONCERNING WHETHER A DISPUTE IS ARBITRABLE SHALL BE DETERMINED BY THE ARBITRATOR AND NOT BY THE COURT. JUDGMENT UPON ANY AWARD RENDERED BY THE ARBITRATOR MAY BE ENTERED BY ANY STATE OR FEDERAL COURT HAVING JURISDICTION THEREOF. THIS ARBITRATION CONTRACT IS MADE PURSUANT TO A TRANSACTION IN INTERSTATE COMMERCE AND ITS INTERPRETATION, APPLICATION, ENFORCEMENT AND PROCEEDINGS HEREUNDER SHALL BE GOVERNED BY THE FEDERAL ARBITRATION ACT (“FAA”). NEITHER YOU NOR QOIN 365 SHALL BE ENTITLED TO JOIN OR CONSOLIDATE CLAIMS IN ARBITRATION BY OR AGAINST OTHER CONSUMERS OR ARBITRATE ANY CLAIM AS A REPRESENTATIVE OR MEMBER OF A CLASS OR IN A PRIVATE ATTORNEY GENERAL CAPACITY. THE PARTIES VOLUNTARILY AND KNOWINGLY WAIVE ANY RIGHT THEY HAVE TO A JURY TRIAL.

THE PARTIES AGREE THAT THIS AGREEMENT HAS BEEN ENTERED INTO AT QOIN 365’S PLACE OF BUSINESS IN THE COUNTY OF COOK, STATE OF ILLINOIS, AND ANY ARBITRATION, LEGAL ACTION OR PROCEEDING ARISING OUT OF OR RELATING TO THIS AGREEMENT MUST BE COMMENCED AND TAKE PLACE IN THE COUNTY OF COOK, STATE OF ILLINOIS.

Indemnity

By using this site, you agree to defend, indemnify and hold harmless Qoin 365, its, officers, directors, employees and agents, from and against any and all claims, damages, obligations, losses, liabilities, costs or debt, and expenses (including but not limited to attorney’s fees) arising from: (i) your use of and access to the Website; (ii) your violation of any term of these Terms of Use; (iii) your violation of any third party right, including without limitation any copyright, property, or privacy right; or (iv) your violation of any other terms applicable to your use of Charged Services. This defense and indemnification obligation will survive these Terms of Use and your use of the Website.

Law and Venue

This Site is located in the State of Illinois. The Terms of Use agreement shall be governed by the laws of the State of Illinois. You agree to the personal jurisdiction in the state and federal courts in Cook County, Illinois, and agree and consent that such courts are the exclusive forum for litigation of any claim or cause of action arising out of or relating to your use of this Site or the Content. You agree that any claim or action in association with the use of this site must be filed within one year after such claim or such claim or action cannot be pursued in the state or federal courts.

Please Read the Terms of Use as well as the Privacy Policy before using the WEBSITE

General Acceptance

By using and/or visiting this website and/or using Qoin 365 Platform, you signify your consent to both these terms and conditions (“Terms of Use”) and the terms and conditions of Qoin 365 (“Qoin 365”) PRIVACY POLICY. If you do not agree to any of these terms, then please do not use the Website or the Services. In addition to all other agreements that may be provided to you, this Terms of Use Agreement sets forth the legally binding terms for your use of the Services and they shall apply to all users of the Website. By using the Services, you agree to be bound by this Agreement. You are only authorized to use the Services (regardless of whether your access or use is intended) if you agree to abide by all applicable laws and to this Agreement. Please read this agreement carefully and save it. If you do not agree with it, you should leave the website and discontinue use of the services immediately. If you wish to use the services, you must read this agreement. In order to participate in certain other services provided through the Website, you will be notified that you are required to agree to additional terms and conditions.

Qoin 365 may modify this Agreement from time to time and such modification shall be effective upon posting by Qoin 365 on the Website. You agree to be bound to any changes to this Agreement when you use the Services after any such modification is posted. It is therefore important that you review this Agreement regularly upon each use of the Services to ensure you are updated as to any changes.

Mortgage Loan Products and Services; Authorization to Obtain Your Credit Report and Credit Score

Qoin 365 is an online marketplace where you can research and compare prices in a number of different categories, including home purchase loans, home equity loans, home refinance loans, and cash-out refinance or debt consolidation loans backed by a mortgage (collectively “Mortgage Loan Products”). Other products include business loans, merchant cash advance, near prime business loans, commercial loans (collectively “Business Loan Products”). You understand and agree that if you submit a request for a Mortgage Loan Product, Business Loan Product, Personal Loans or Credit Score Consultation, Qoin 365 will share the personal information that you provided to QOIN 365, including but not limited to your full name, birth date, address, telephone number, and social security number (“Self-Reported Information”) with clients in our client network, including banks, correspondent lenders, mortgage bankers and brokers (referred to individually as “Client” and collectively as “Clients”) to process and fulfill your request. You understand that by submitting your request for Mortgage Loan Products and/or Business Loan Products you are providing “written instructions” in accordance with the Fair Credit Reporting Act, as amended (“FCRA”), for Qoin 365 to use your social security number, Year of Birth or other Self-Reported Information to obtain and use your credit report and credit score for the purpose of verifying and/or correcting the Self-Reported Information. You authorize Qoin 365 as your agent to share with Clients on your behalf the Self-Reported Information, either as reported by you or as corrected by Qoin 365, for the purpose of matching your request with Clients, and only in connection with Mortgage Loan Products, Business Loan Products, Personal Loan Products or Credit Score Consultation. Qoin 365 will not obtain your credit report or credit score in connection with any product or service that it offers other than Mortgage Loan Products, Business Loan Products, Personal Loan Products or Credit Score Consultation. You acknowledge that Qoin 365 does not make loan or credit decisions in connection with the Service and that Qoin 365 is not a party to any agreement that you may make with the Client, and that the Client is solely responsible for its services to you. You further acknowledge that Qoin 365 is not acting as your agent or broker (*See Qoin 365 Services) and is not recommending any particular loan product or Client to you. Any compensation Qoin 365 may receive is paid by the individual Client for the products and services rendered by Qoin 365 to that particular Client. Qoin 365 does not charge you a fee to use the Qoin 365 Website. You understand that requirements for a particular loan product are made by the individual Clients and that Qoin 365 does not endorse, warrant, or guarantee the products or services of any the Client. Nothing contained herein shall constitute an offer or promise for a loan commitment or interest rate lock-in agreement. You agree that Qoin 365 shall not be liable for any damages or costs of any type which arise out of or in connection with your use of the Client’s service.

By submitting your contact request for a loan product, you are consenting to be contacted by one or more Clients either by telephone (on a recorded line), automated calling, on a mobile device, via email or mail, based on the information you have provided to us, even if you have opted into the National Do Not Call List administered by the Federal Trade Commission, any state equivalent Do Not Call List, or the Do Not Call List of an internal company. You understand that the Clients may maintain the information you submitted to QOIN 365 whether you elect to use their services or not. In the event you no longer want to receive communications from a Client, you agree to notify the Client directly. You also give QOIN 365 permission to send you periodic updates of current loan products which may be of interest to you.

 Qoin 365 Services

You further acknowledge that Qoin 365 is not acting as your agent or broker and is not recommending any particular loan product or Client to you when the site is used as a platform to get offers of loans for you. Any compensation Qoin 365 may receive is paid by the individual Client for the products and services rendered by Qoin 365 to that particular Client. Qoin 365 does not charge you a fee to use the Qonin 365 Website. You understand that requirements for a particular loan product are made by the individual Clients and that Qoin 365 does not endorse, warrant, or guarantee the products or services of any the Client. Nothing contained herein shall constitute an offer or promise for a loan commitment or interest rate lock-in agreement. You agree that Qoin 365 shall not be liable for any damages or costs of any type which arise out of or in connection with your use of the Client’s service.

Qoin 365 may act as a broker for you in cases of business loan products and may act as a mortgage banker or mortgage broker in states that Qoin 365 has a mortgage banker and/or mortgage broker license or is a DBA of any company that is licensed to be a mortgage banker and/or broker. 

Intellectual Property Rights

The content on the site (the “Content”) and the Services are subject to copyright and other intellectual property rights (including but not limited to patents, copyrights, logos, trademarks, service marks and graphics). This content is owned by Qoin 365 or any subsidiary or third parties.  To the best of its knowledge, Qoin 365 uses only content that it owns or is otherwise allowed and permitted for use by the owner/s of the copyrights and other intellectual property rights therein. Content on the website is provided to you as is only and it may not be used, copied, reproduced, distributed, transmitted, broadcast, displayed, sold, licensed, or otherwise exploited for any other purposes whatsoever without the prior written consent of the respective owners. Qoin 365 reserves all rights not expressly granted in and to the Website, Services and the Content. You agree to not engage in the use, copying, or distribution of any of the Content or Services other than expressly permitted herein for any commercial purposes. You agree not to circumvent, disable or otherwise interfere with security related features of the Website or features that prevent or restrict use of Services or copying of any Content or enforce limitations on use of the Website or any of the Services or Content therein.

Web Sites, Services & Site Security

Qoin 365 grants you permission to use the website as set forth in this Terms of Use, provided that: (i) you will not alter or modify any part of the website, access data that is not intended for you, or obtain any information about any customer or user of this site; (ii) you will not scan or test the site for a breach in security (iii) you will not attempt to submit a virus to this site in an attempt to crash, flood, overload or some other method to disrupt or interfere with this site.  In order to access some features of the Website, you will have to create an account. You may never use another’s account without permission. When creating your account, you must provide accurate and complete information. You are solely responsible for the activity that occurs on your account, and you must keep your account password secure. You accept sole responsibility for keeping your password secure. You must notify Qoin 365 immediately of any breach of security or unauthorized use of your account. Although Qoin 365 will not be liable for your losses caused by any unauthorized use of your account, you may be liable for the losses of Qoin 365 or others due to such unauthorized use.  By using the website, you expressly relieve Qoin 365 from any and all liability arising from your use of any third-party website. We encourage you to be aware when you leave the website and to read the terms and conditions and privacy policy of each other website that you visit.  If you are linked to an outside site for services, Qoin 365 is not responsible for and services, products, nor warrants the offering of these sites, businesses or individuals. 

Eligibility

Use of the Services is void where prohibited. By using the Services, you represent and warrant that (a) all application information you submit is truthful and accurate; (b) you will maintain the accuracy of such information; (c) you are 18 years of age or older; and (d) your use of the services does not violate any applicable law or regulation. Your application may be deleted without warning, if we believe, in our sole discretion, that you are less than 18 years of age.

Services

Subject to full compliance with the Terms of this Use Agreement, Qoin 365 shall provide certain services related to the input of your application. The Services are provided by Qoin 365 and Qoin 365 assumes no responsibility for any failure in providing the Services to you. Qoin 365 may change, suspend or discontinue any or all of the Services for any reason, at any time, including the availability of any products or services included within the Services. Qoin 365 may also impose limits on all or any of the Services or restrict your access to parts or all of the Services without notice or liability. Qoin 365 may include other opportunities or content in any Qoin 365 product, services, image or webpage.  Qoin 365 reserves the right to cancel the application after 10 days of inactivity.

You accept sole responsibility for all of your activities using the website, including your conduct on the site. You will not use the Services for any unauthorized or illegal purpose. You will be responsible for ensuring that you do not violate any laws of your jurisdiction, including but not limited to copyright laws. You will not upload or transmit viruses, worms or any other destructive code. You will not use bots to engage the Services.

You understand and agree that if you request a product or service other than a loan offered Qoin 365 will share your information with certain business partners to process and fulfill your request. You further agree that our business partners may contact you by telephone, email or mail based on the information you have provided to us, even if you have opted into the National Do Not Call List administered by the Federal Trade Commission, any state equivalent Do Not Call List, or the Do Not Call List of an internal company. You understand that Qoin 365 business partners may maintain the information you submitted to Qoin 365 whether you elect to use their services or not. In the event you no longer want to receive communications from an Qoin 365 business partner, you agree to notify the partner directly.

Disclaimer & Limitation of Liability

YOU AGREE THAT YOUR USE OF THE WEBSITE AND SERVICES SHALL BE AT YOUR SOLE RISK. TO THE FULLEST EXTENT PERMITTED BY LAW, QOIN 365, ITS OFFICERS, DIRECTORS, EMPLOYEES, AND AGENTS DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, IN CONNECTION WITH THE WEBSITE AND YOUR USE THEREOF. QOIN 365 MAKES NO WARRANTIES OR REPRESENTATIONS REGARDING THE ACCURACY OR COMPLETENESS OF THIS WEBSITE’S CONTENT OR THE CONTENT OF ANY SITES LINKED TO THIS SITE. IN NO EVENT SHALL QOIN 365, ITS OFFICERS, MEMBERS, DIRECTORS, EMPLOYEES, OR AGENTS, BE LIABLE TO YOU FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, PUNITIVE, OR CONSEQUENTIAL DAMAGES WHATSOEVER RESULTING FROM ANY (I) ERRORS, MISTAKES, OR INACCURACIES OF CONTENT OR SERVICES, (II) PERSONAL INJURY OR PROPERTY DAMAGE, OF ANY NATURE WHATSOEVER, RESULTING FROM YOUR ACCESS TO AND USE OF OUR WEBSITE, (III) ANY UNAUTHORIZED ACCESS TO OR USE OF OUR SECURE SERVERS AND/OR ANY AND ALL PERSONAL INFORMATION AND/OR OTHER INFORMATION STORED THEREIN, (IV) ANY INTERRUPTION OR CESSATION OF TRANSMISSION TO OR FROM OUR WEBSITE, (IV) ANY BUGS, VIRUSES, TROJAN HORSES, OR THE LIKE WHICH MAY BE TRANSMITTED TO OR THROUGH OUR WEBSITE BY ANY THIRD PARTY, AND/OR (V) ANY ERRORS OR OMISSIONS IN ANY CONTENT OR FOR ANY LOSS OR DAMAGE OF ANY KIND INCURRED AS A RESULT OF THE USE OF ANY CONTENT POSTED, EMAILED, TRANSMITTED, OR OTHERWISE MADE AVAILABLE VIA THE WEBSITE. THE FOREGOING LIMITATION OF LIABILITY SHALL APPLY TO THE FULLEST EXTENT PERMITTED BY LAW IN THE APPLICABLE JURISDICTION. QOIN 365 DOES NOT WARRANT, ENDORSE, GUARANTEE, OR ASSUME RESPONSIBILITY FOR ANY PRODUCT OR SERVICE ADVERTISED OR OFFERED BY A THIRD PARTY THROUGH THE KABBAGE WEBSITE OR ANY HYPERLINKED WEBSITE OR FEATURED IN ANY BANNER OR OTHER ADVERTISING, AND KABBAGE WILL NOT BE A PARTY TO OR IN ANY WAY BE RESPONSIBLE FOR MONITORING ANY TRANSACTION BETWEEN YOU AND THIRD-PARTY PROVIDERS OF PRODUCTS OR SERVICES. AS WITH THE PURCHASE OF A PRODUCT OR SERVICE THROUGH ANY MEDIUM OR IN ANY ENVIRONMENT, YOU SHOULD USE YOUR BEST JUDGMENT AND EXERCISE CAUTION WHERE APPROPRIATE.

Arbitration

YOU UNDERSTAND AND AGREE THAT ALL CLAIMS, DISPUTES OR CONTROVERSIES BETWEEN YOU AND QOIN 365, AND ITS PARENTS, AFFILIATES, SUBSIDIARIES OR RELATED COMPANIES, INCLUDING BUT NOT LIMITED TO TORT AND CONTRACT CLAIMS, CLAIMS BASED UPON ANY FEDERAL, STATE OR LOCAL STATUTE, LAW, ORDER, ORDINANCE OR REGULATION, AND THE ISSUE OF ARBITRABILITY, SHALL BE RESOLVED BY FINAL AND BINDING ARBITRATION AT A LOCATION DETERMINED BY THE ARBITRATOR. ANY CONTROVERSY CONCERNING WHETHER A DISPUTE IS ARBITRABLE SHALL BE DETERMINED BY THE ARBITRATOR AND NOT BY THE COURT. JUDGMENT UPON ANY AWARD RENDERED BY THE ARBITRATOR MAY BE ENTERED BY ANY STATE OR FEDERAL COURT HAVING JURISDICTION THEREOF. THIS ARBITRATION CONTRACT IS MADE PURSUANT TO A TRANSACTION IN INTERSTATE COMMERCE AND ITS INTERPRETATION, APPLICATION, ENFORCEMENT AND PROCEEDINGS HEREUNDER SHALL BE GOVERNED BY THE FEDERAL ARBITRATION ACT (“FAA”). NEITHER YOU NOR QOIN 365 SHALL BE ENTITLED TO JOIN OR CONSOLIDATE CLAIMS IN ARBITRATION BY OR AGAINST OTHER CONSUMERS OR ARBITRATE ANY CLAIM AS A REPRESENTATIVE OR MEMBER OF A CLASS OR IN A PRIVATE ATTORNEY GENERAL CAPACITY. THE PARTIES VOLUNTARILY AND KNOWINGLY WAIVE ANY RIGHT THEY HAVE TO A JURY TRIAL.

THE PARTIES AGREE THAT THIS AGREEMENT HAS BEEN ENTERED INTO AT QOIN 365’S PLACE OF BUSINESS IN THE COUNTY OF COOK, STATE OF ILLINOIS, AND ANY ARBITRATION, LEGAL ACTION OR PROCEEDING ARISING OUT OF OR RELATING TO THIS AGREEMENT MUST BE COMMENCED AND TAKE PLACE IN THE COUNTY OF COOK, STATE OF ILLINOIS.

Indemnity

By using this site, you agree to defend, indemnify and hold harmless Qoin 365, its, officers, directors, employees and agents, from and against any and all claims, damages, obligations, losses, liabilities, costs or debt, and expenses (including but not limited to attorney’s fees) arising from: (i) your use of and access to the Website; (ii) your violation of any term of these Terms of Use; (iii) your violation of any third party right, including without limitation any copyright, property, or privacy right; or (iv) your violation of any other terms applicable to your use of Charged Services. This defense and indemnification obligation will survive these Terms of Use and your use of the Website.

Law and Venue

This Site is located in the State of Illinois. The Terms of Use agreement shall be governed by the laws of the State of Illinois. You agree to the personal jurisdiction in the state and federal courts in Cook County, Illinois, and agree and consent that such courts are the exclusive forum for litigation of any claim or cause of action arising out of or relating to your use of this Site or the Content. You agree that any claim or action in association with the use of this site must be filed within one year after such claim or such claim or action cannot be pursued in the state or federal courts.

Qoin 365 is a marketing platform for Quintess Funding LLC NMLS#1619403 for mortgage loans.  For business loans Qoin 365 brokers the loans to our network of direct lenders.  Qoin 365 does not endorse, warrant, or guarantee service or products by any lender or broker.

NMLS Consumer Access | State Licensing | Privacy & Security | Terms of Use | Lifetime Guarantee

Qoin 365 is a marketing platform for Quintess Funding LLC NMLS#1619403 for mortgage loans.  For business loans Qoin 365 brokers the loans to our network of direct lenders.  Qoin 365 does not endorse, warrant, or guarantee service or products by any lender or broker.

NMLS Consumer Access | State Licensing | Privacy & Security | Terms of Use | Lifetime Guarantee