Thanks for using our products and services ("Services"). The Services are provided by Symple Lending, LLC ("Symple Lending"), located at 3090 Bristol St, 4th Floor, Costa Mesa CA 92626.
By using our Services, you are agreeing to these terms. Please read them carefully.
Our Services are very diverse, so sometimes additional terms or product requirements (including age requirements) may apply. Additional terms will be available with the relevant Services, and those additional terms become part of your agreement with us if you use those Services.
Terms and Conditions
Agreement between User and Symple Lending, Inc.(“Symple Lending”).
Welcome to Symple Lending, provider of Symple Lending marketing technology. Symple Lending, LLC operates https://mysympleloan.com, each with various webpages and is offered to you conditioned on your acceptance without modification of the terms, conditions, and notices contained herein (the "Terms"). Your use of https://mysympleloan.com constitutes your agreement to all such Terms. Please read these terms carefully and keep a copy of them for your reference.
Symple Lending is a Software-as-a-Service based technology and marketing company. Symple Lending engages with customers to help them submit consumer loan requests via the Symple Lending technology.
Visiting https://mysympleloan.com or sending emails to Symple Lending constitutes electronic communications. You consent to receive electronic communications and you agree that all agreements, notices, disclosures and other communications that we provide to you electronically, via email and on the Site, satisfy any legal requirement that such communications be in writing.
If you use this site, you are responsible for maintaining the confidentiality of your account and password and for restricting access to your computer, and you agree to accept responsibility for all activities that occur under your account or password. You may not assign or otherwise transfer your account to any other person or entity. You acknowledge that Symple Lending is not responsible for third party access to your account that results from theft or misappropriation of your account. Symple Lending and its associates reserve the right to refuse or cancel service, terminate accounts, or remove or edit content in our sole discretion.
Symple Lending does not knowingly collect, either online or offline, personal information from persons under the age of thirteen. Visitors under eighteen (18) years of age are not permitted to use and/or submit their personal information at the Site. Company does not knowingly solicit or collect information from visitors under eighteen (18) years of age. Company encourages parents and guardians to spend time online with their children and to participate and monitor the interactive activities of their children.
All content included as part of the Service, such as text, graphics, logos, images, as well as the compilation thereof, and any software used on the Site, is the property of Symple Lending or its suppliers and protected by copyright and other laws that protect intellectual property and proprietary rights. You agree to observe and abide by all copyright and other proprietary notices, legends or other restrictions contained in any such content and will not make any changes thereto.
You will not modify, publish, transmit, reverse engineer, participate in the transfer or sale, create derivative works, or in any way exploit any of the content, in whole or in part, found on the Site. Symple Lending content is not for resale. Your use of the Site does not entitle you to make any unauthorized use of any protected content, and in particular you will not delete or alter any proprietary rights or attribution notices in any content. You will use protected content solely for your personal use and will make no other use of the content without the express written permission of Symple Lending and the copyright owner. You agree that you do not acquire any ownership rights in any protected content. We do not grant you any licenses, express or implied, to the intellectual property of Symple Lending or our licensors except as expressly authorized by these Terms.
The Service is controlled, operated and administered by Symple Lending from our offices within the USA. If you access the Service from a location outside the USA, you are responsible for compliance with all local laws. You agree that you will not use the Symple Lending Content accessed through https://mysympleloan.com in any country or in any manner prohibited by any applicable laws, restrictions or regulations.
You agree to indemnify, defend and hold harmless Symple Lending, its officers, directors, employees, agents and third parties, for any losses, costs, liabilities and expenses (including reasonable attorney's fees) relating to or arising out of your use of or inability to use the Site or services, any user postings made by you, your violation of any terms of this Agreement or your violation of any rights of a third party, or your violation of any applicable laws, rules or regulations. Symple Lending reserves the right, at its own cost, to assume the exclusive defense and control of any matter otherwise subject to indemnification by you, in which event you will fully cooperate with Symple Lending in asserting any available defenses.
In the event the parties are not able to resolve any dispute between them arising out of or concerning these Terms and Conditions, or any provisions hereof, whether in contract, tort, or otherwise at law or in equity for damages or any other relief, then such dispute shall be resolved only by final and binding arbitration pursuant to the Federal Arbitration Act, conducted by a single neutral arbitrator and administered by the American Arbitration Association, or a similar arbitration service selected by the parties, in a location mutually agreed upon by the parties. The arbitrator's award shall be final, and judgment may be entered upon it in any court having jurisdiction. In the event that any legal or equitable action, proceeding or arbitration arises out of or concerns these Terms and Conditions, the prevailing party shall be entitled to recover its costs and reasonable attorney's fees. The parties agree to arbitrate all disputes and claims in regard to these Terms and Conditions or any disputes arising as a result of these Terms and Conditions, whether directly or indirectly, including Tort claims that are a result of these Terms and Conditions. The parties agree that the Federal Arbitration Act governs the interpretation and enforcement of this provision. The entire dispute, including the scope and enforceability of this arbitration provision shall be determined by the Arbitrator. This arbitration provision shall survive the termination of these Terms and Conditions.
Any arbitration under these Terms and Conditions will take place on an individual basis; class arbitrations and class/representative/collective actions are not permitted. THE PARTIES AGREE THAT A PARTY MAY BRING CLAIMS AGAINST THE OTHER ONLY IN EACH'S INDIVIDUAL CAPACITY, AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PUTATIVE CLASS, COLLECTIVE AND/ OR REPRESENTATIVE PROCEEDING, SUCH AS IN THE FORM OF A PRIVATE ATTORNEY GENERAL ACTION AGAINST THE OTHER. Further, unless both you and Symple Lending agree otherwise, the arbitrator may not consolidate more than one person's claims and may not otherwise preside over any form of a representative or class proceeding.
Symple Lending reserves the right, in its sole discretion, to terminate your access to the Site and the related services or any portion thereof at any time, without notice. To the maximum extent permitted by law, this agreement is governed by the laws of the State of California and you hereby consent to the exclusive jurisdiction and venue of courts in California in all disputes arising out of or relating to the use of the Site. Use of the Site is unauthorized in any jurisdiction that does not give effect to all provisions of these Terms, including, without limitation, this section.
You agree that no joint venture, partnership, employment, or agency relationship exists between you and Symple Lending as a result of this agreement or use of the Site. Symple Lending's performance of this agreement is subject to existing laws and legal process, and nothing contained in this agreement is in derogation of Symple Lending's right to comply with governmental, court and law enforcement requests or requirements relating to your use of the Site or information provided to or gathered by Symple Lending with respect to such use. If any part of this agreement is determined to be invalid or unenforceable pursuant to applicable law including, but not limited to, the warranty disclaimers and liability limitations set forth above, then the invalid or unenforceable provision will be deemed superseded by a valid, enforceable provision that most closely matches the intent of the original provision and the remainder of the agreement shall continue in effect.
Unless otherwise specified herein, this agreement constitutes the entire agreement between the user and Symple Lending with respect to the Site and it supersedes all prior or contemporaneous communications and proposals, whether electronic, oral or written, between the user and Symple Lending with respect to the Site. A printed version of this agreement and of any notice given in electronic form shall be admissible in judicial or administrative proceedings based upon or relating to this agreement to the same extent and subject to the same conditions as other business documents and records originally generated and maintained in printed form. It is the express wish to the parties that this agreement and all related documents be written in English.
Symple Lending reserves the right, in its sole discretion, to change the Terms under which https://Symple Lending.com is offered. The most current version of the Terms will supersede all previous versions. Symple Lending encourages you to periodically review the Terms to stay informed of our updates.
Effective Date: 01/01/2020
Last Reviewed on: 03/01/2021
Symple Lending is an award-winning service which connects consumers with a marketplace of third party lenders, financial service providers, credit card providers and debt relief providers. To assist us in providing our award-winning service, we collect and process your information. We work extremely hard to be good stewards of your information at all times.
This document is here to help you understand what information we collect, why we collect it, and how you can update, manage, export, and delete it.
Other sources. As part of our service we may receive information from the Partners we connect you with including, but not limited to status of product acceptance and funding, and loan terms offered and obtained (such as APR, repayment amount, loan amount). As part of our service we may also receive information from Transunion when we perform a soft credit check including but not limited to your credit score and profile. We may combine personal information we receive from you with information we obtain from other sources, such as:
Automatic Collection. We, our service providers and our third party partners may automatically capture information about you, your computer or mobile device, and your activity over time on the service and other online services, including:
Cookies and Similar Technologies. To assist the services in collecting and storing Non-Personal Information, we may employ a variety of technologies, including “Cookies,” local browser storage and “Web Beacons”:
We may use, sell, or disclose the personal information we collect for one or more of the following business purposes listed below.
Service delivery We may use your personal information to:
Research and development. We may use your personal information for research and development purposes, including to perform research and analysis aimed at improving our products and services. We make personal information into anonymous data by removing information that makes the data personally identifiable in order to share it with third parties for our lawful business purposes, including to analyze and improve the service and promote our business.
Marketing and advertising. With your consent, we and our third party advertising partners and business partners may use your personal information for marketing and advertising purposes:
Compliance and protection. We may use your personal information to:
As a California resident, you have the rights listed below. These rights are not absolute and subject to certain exceptions; we may decline your request in certain cases as permitted by law.
How to exercise your rights. You may exercise your California privacy rights described above as follows:
We reserve the right to confirm your identity and California residency status to process your requests to exercise your information, access or deletion rights. As part of this process, government identification may be required.
|CATEGORY OF PERSONAL INFORMATION (PI) (DEFINITIONS HERE)||PI WE COLLECT||SOURCE OF PI||BUSINESS PURPOSE FOR COLLECTION||CATEGORIES OF THIRD PARTIES TO WHOM WE MAY “DISCLOSE” PI FOR A BUSINESS PURPOSE||CATEGORIES OF THIRD PARTIES TO WHOM WE “SELL” PI|
|Identifiers||Contact dataIdentity data||YouData providersBusiness Partners||Service deliveryMarketing and advertisingCompliance and protection||Advertising partnersAuthoritiesBusiness partnersParent or Subsidiary OrganizationsProfessional advisorsService providers||Business partners|
|Commercial Information||Credit information and loan dataProperty data Online activity data||YouData providersBusiness Partners Automatic collection||Service deliveryResearch and developmentMarketing and advertising Compliance and protection||AffiliatesAuthoritiesBusiness Partners Internet Cookie Data RecipientsParent or Subsidiary OrganizationsService Providers||Business partners|
|Financial Information||Credit information and loan data||YouData providersBusiness Partners||Service deliveryResearch and developmentMarketingCompliance and Operations||AuthoritiesParent or Subsidiary OrganizationsPartnersProfessional advisorsService providers||Business partners|
|Online Identifiers||Contact dataDevice dataOnline activity data||YouAutomatic CollectionBusiness Partners||Service deliveryResearch and developmentMarketing and advertisingCompliance and protection||Advertising partnersAuthoritiesBusiness partnersBusiness transfereesParent or Subsidiary OrganizationsProfessional advisorsService providers||Business partners|
|Internet or Network Information||Device dataOnline activity data||Automatic collection||Service deliveryResearch and developmentMarketing and advertisingCompliance and protection||Parent or Subsidiary Organizations||None|
|Professional or Employment Information||Employment data||You||Service deliveryResearch and developmentCompliance and protection||AuthoritiesBusiness partnersParent or Subsidiary OrganizationsProfessional advisors||Business partners|
|Protected Classification Characteristics||Eligibility dataIdentity Data||YouData providersBusiness Partners||Service deliveryCompliance and protection||AuthoritiesBusiness partners Parent or Subsidiary OrganizationsProfessional advisorsService providers||Business partners|
|Education Information||Education data (highest level of education)||You||Service deliveryResearch and developmentCompliance and protection||AuthoritiesBusiness partnersParent or Subsidiary OrganizationsProfessional advisors||Business partners|
California’s “Shine the Light” law (Civil Code Section § 1798.83) permits users of our Website that are California residents to request certain information regarding our disclosure of personal information to third parties for their direct marketing purposes. To make such a request, please send an email to firstname.lastname@example.org or write to us at: 3090 Bristol St, 4th Floor, Costa Mesa CA 92626.
In order to better provide you with products and services offered on our Site, Symple Lending may collect personally identifiable information, such as your:
If you purchase Symple Lending's products and services, we collect billing and credit card information. This information is used to complete the purchase transaction.
We do not collect any personal information about you unless you voluntarily provide it to us. However, you may be required to provide certain personal information to us when you elect to use certain products or services available on the Site. These may include: (a) registering for an account on our Site; (b) entering a sweepstakes or contest sponsored by us or one of our partners; (c) signing up for special offers from selected third parties; (d) sending us an email message; (e) submitting your credit card or other payment information when ordering and purchasing products and services on our Site. To wit, we will use your information for, but not limited to, communicating with you in relation to services and/or products you have requested from us. We also may gather additional personal or non-personal information in the future.
Symple Lending collects and uses your personal information to operate its website(s) and deliver the services you have requested.
Symple Lending may also use your personally identifiable information to inform you of other products or services available from Symple Lending and its affiliates.
Symple Lending does not sell, rent or lease its customer lists to third parties.
Symple Lending may, from time to time, contact you on behalf of external business partners about a particular offering that may be of interest to you. In those cases, your unique personally identifiable information (e-mail, name, address, telephone number) is transferred to the third party. Symple Lending may share data with trusted partners to help perform statistical analysis, send you email or postal mail, provide customer support, or arrange for deliveries. All such third parties are prohibited from using your personal information except to provide these services to Symple Lending, and they are required to maintain the confidentiality of your information.
Symple Lending may disclose your personal information, without notice, if required to do so by law or in the good faith belief that such action is necessary to: (a) conform to the edicts of the law or comply with legal process served on Symple Lending or the site; (b) protect and defend the rights or property of Symple Lending; and/or (c) act under exigent circumstances to protect the personal safety of users of Symple Lending, or the public.
Symple Lending may keep track of the websites and pages our users visit within Symple Lending, in order to determine what Symple Lending services are the most popular. This data is used to deliver customized content and advertising within Symple Lending to customers whose behavior indicates that they are interested in a particular subject area.
Information about your computer hardware and software may be automatically collected by Symple Lending. This information can include: your IP address, browser type, domain names, access times and referring website addresses. This information is used for the operation of the service, to maintain quality of the service, and to provide general statistics regarding use of the Symple Lending website.
The Symple Lending website may use "cookies" to help you personalize your online experience. A cookie is a text file that is placed on your hard disk by a web page server. Cookies cannot be used to run programs or deliver viruses to your computer. Cookies are uniquely assigned to you, and can only be read by a web server in the domain that issued the cookie to you.
One of the primary purposes of cookies is to provide a convenience feature to save you time. The purpose of a cookie is to tell the Web server that you have returned to a specific page. For example, if you personalize Symple Lending pages, or register with Symple Lending site or services, a cookie helps Symple Lending to recall your specific information on subsequent visits. This simplifies the process of recording your personal information, such as billing addresses, shipping addresses, and so on. When you return to the same Symple Lending website, the information you previously provided can be retrieved, so you can easily use the Symple Lending features that you customized.
You have the ability to accept or decline cookies. Most Web browsers automatically accept cookies, but you can usually modify your browser setting to decline cookies if you prefer. If you choose to decline cookies, you may not be able to fully experience the interactive features of the Symple Lending services or websites you visit.
This website contains links to other sites. Please be aware that we are not responsible for the content or privacy practices of such other sites. We encourage our users to be aware when they leave our site and to read the privacy statements of any other site that collects personally identifiable information.
Symple Lending secures your personal information from unauthorized access, use, or disclosure. Symple Lending uses the following methods for this purpose:
When personal information (such as a credit card number) is transmitted to other websites, it is protected through the use of encryption, such as the Secure Sockets Layer (SSL) protocol.
We strive to take appropriate security measures to protect against unauthorized access to or alteration of your personal information. Unfortunately, no data transmission over the Internet or any wireless network can be guaranteed to be 100% secure. As a result, while we strive to protect your personal information, you acknowledge that: (a) there are security and privacy limitations inherent to the Internet which are beyond our control; and (b) security, integrity, and privacy of any and all information and data exchanged between you and us through this Site cannot be guaranteed.
Symple Lending does not knowingly collect personally identifiable information from children under the age of thirteen. If you are under the age of thirteen, you must ask your parent or guardian for permission to use this website.
We respect your privacy and give you an opportunity to opt-out of receiving announcements of certain information. Users may opt-out of receiving any or all communications from third-party partners of Symple Lending by contacting us here:
From time to time, Symple Lending may contact you via email for the purpose of providing announcements, promotional offers, alerts, confirmations, surveys, and/or other general communication. In order to improve our Services, we may receive a notification when you open an email from Symple Lending or click on a link therein.
If you would like to stop receiving marketing or promotional communications via email from Symple Lending, you may opt out of such communications by Customers may unsubscribe from emails by "replying STOP" or "clicking on the UNSUBSCRIBE button
We may store your data on servers provided by third party hosting vendors with whom we have contracted.
By utilizing this website and clicking the “submit” button, you are submitting a request to be connected with one of our third-party advertisers or lenders, collectively “third parties.” In order to attempt to connect you with an entity mentioned above, that may offer you a financial product or service, the third parties need your consent to use and accept electronic signatures, records, and disclosures ("E-Consent"). This policy notifies you of your rights when receiving electronic disclosures, notices, information and other forms of communication. By submitting your information on our website, you acknowledge that you have received and reviewed this E-Consent Policy, and that you consent to conduct transactions using electronic signatures, electronic disclosures, electronic records, and electronic contract documents ("Disclosures").
If you are connected with a Lender, and said Lender determines that you are a potential candidate for a financial product or loan, and said Lender offers you an electronic copy of any pertinent Disclosures related to that loan, you may, at any time, request any Disclosures in paper form by contacting the third party lender directly. Depending on the specific Disclosure request to the Lender, the Lender may be able to provide these Disclosures to you at no or minimal charge. Each third party shall retain all Disclosures as required by any applicable laws to the specific transaction.
This E-Consent Policy applies to all interactions online concerning you, and the third party Lender or Advertiser, and includes those interactions engaged in on any mobile device, including phones, smart-phones, tablets, and any other electronic device that allows the consumer to connect to the Internet. By exercising this E-Consent, the third party may process your information and interact during all online interactions with you electronically. The third party may also send you notices electronically related to its interactions and transactions. Disclosures may be provided online at Symple Lending.com or the third party websites, and may be provided by e-mail. See above for guidance on how to request paper copies.
Before you decide to do business electronically with the third party advertiser, you should consider whether 1. You wish to conduct business electronically, and 2. You have the required hardware and software capabilities described below.
To both access and retain the Disclosures electronically, at a minimum, you will need to use the following computer software and hardware: A PC or MAC compatible computer or other device capable of accessing the Internet, access to an electronic mail (e-mail) account, and an Internet Browser software program that supports at least 256-BIT encryption, including but not limited to, Microsoft® Internet Explorer, Google Chrome® or Mozilla Firefox®. To read some documents, you may need a PDF file reader like Adobe® Acrobat Reader® or Foxit®. You will need a printer or a long-term storage device, such as your computer's disk drive, to retain a copy of the Disclosures for future reference. You may send any questions regarding the specific hardware and software requirements directly to the third party lender or advertiser.
If you are connected with one or more third-party lenders, you are free to withdraw your E-Consent with those third-parties at any time, and at no charge. However, if you withdraw this E-Consent before being connected with the third party Lender, you may be prevented from obtaining an offer from the third party as this consent is required, for this one time transaction, to facilitate the connection and to conduct business. Contact the third-party lender directly if you wish to withdraw this E-Consent. If you decide to withdraw this E-Consent, the legal effectiveness, validity, and enforceability of prior electronic disclosures will not be affected.
You should keep third party advertisers informed of any change in either your electronic address or physical mailing address. Your lender will have specific instructions on how to update your contact information, if necessary. Please note that Symple Lending.com cannot update your information for you.
By clicking and submitting your information, you assent to our terms and conditions. You acknowledge that you can access the disclosures in the designated formats described above.
Notwithstanding any current or prior election to opt in or opt out of receiving telemarketing calls or SMS messages (including text messages) from Symple Lending, LLC, our agents, representatives, affiliates, marketing partners, or anyone calling on our behalf, you expressly consent to be contacted by us, our agents, representatives, affiliates, or anyone calling on our behalf for any and all purposes arising out of or relating to your loan and/or account, at any telephone number, or physical or electronic address you provide or at which you may be reached. You agree Waze Capital Inc may contact you in any way, including SMS messages (including text messages), calls using prerecorded messages or artificial voice, and calls and messages delivered using auto telephone dialing system or an automatic texting system. Automated messages may be played when the telephone is answered, whether by you or someone else. In the event that an agent or representative calls, he or she may also leave a message on your answering machine, voice mail, or send one via text.
You consent to receive SMS messages (including text messages), calls and messages (including prerecorded and artificial voice and autodialed) from Symple Lending, LLC, our agents, representatives, affiliates, marketing partners or anyone calling on our behalf at the specific number(s) you have provided to us, or numbers we can reasonably associate with your account (through skip trace, caller ID capture or other means), with information or questions about your application, loan and/or account. You certify, warrant and represent that the telephone numbers that you have provided to us are your contact numbers. You represent that you are permitted to receive calls at each of the telephone numbers you have provided to us. You agree to promptly alert us whenever you stop using a particular telephone number.
Your cellular or mobile telephone provider will charge you according to the type of plan you carry. You also agree that Waze Capital Inc and our marketing partners may contact you by e-mail, using any email address you have provided to us or that you provide to us in the future. We may listen to and/or record phone calls between you and our representatives without notice to you as permitted by applicable law. For example, we listen to and record calls for quality monitoring purposes.