The following disclosures are made in accordance with Google’s Advertising Policies.
We are consultants. We are not Lenders. We are not consumer lead generators, aggregators… we do not sell consumer data. We service Lenders throughout the world. We advise and consult with existing lenders, entrepreneurs, family offices, de novo lenders and existing lenders as to how to start, improve and/or operate a consumer loan business in accordance with the laws of their state or their federally recognized Native American Indian tribe.
Although Google has chosen to ignore the fact that this “36% APR Theme” originated in 1915, and that a $300 loan principal issued in 1915 equates to a $7,000 loan in today’s dollars, we cannot ignore the fact that 36% APR loans do not meet Google’s advertising policies.
Bottom line, by employing today’s technology and automation, Lenders can earn respectable ROI’s on their money, take market share from their competitors who “throw in the towel,” and continue to serve the nearly 50% of USA households who cannot access $400 cash when facing a financial emergency!
However, the ability of lenders to meet the 36.00%. APR threshold will vary based on state laws and regulations regarding allowable interest rates, fees, and lengths of loan terms. Consumer credit history at the time of application, income, debt obligations, collateral, and to the extent applicable, prior loan experience with a consumer’s Lender are considered in determining eligibility and contract terms. There is no down payment and there is never a prepayment penalty. For example, using a 42 month installment contract, a loan of $4,500 with an interest rate of 29.00% and an APR of 33.10% (inclusive of allowable fees), you would make 42 monthly payments of $172.
TX Only: For example, with an amount financed of $4,500.00, at an APR of 30.26%, and a finance charge of $2848.00 you would make 42 monthly payments of $174.96, for a total of payments of $7348.00. The amount financed may not be the net proceeds paid to you if charges other than interest are included in the loan.
*All loans are subject to credit approval and normal underwriting standards. Minimum and maximum loan amounts, rates, fees, terms and collateral requirements are subject to specific guidelines and may change without notice. All loans are made under XXXXX NAME OF LENDER [WE ARE NOT LENDERS!] Available cash amounts may vary and collateral requirements apply. In California loans are made or arranged pursuant to a California Financer Lenders Law license.
PLEASE READ THESE TERMS AND CONDITIONS (“TERMS”) CAREFULLY. BY ACCESSING OUR SITE OR USING THE SERVICES, YOU AGREE TO BE BOUND BY THESE TERMS AND CONDITIONS. IF YOU DO NOT AGREE TO THESE TERMS, YOU MAY NOT USE THE SITE OR SERVICES AND MUST DISCONTINUE YOUR USE OF THE SITE AND SERVICES.
WE DO NOT FUND LOANS! WE DO NOT OFFER CREDIT REPAIR OR DEBT REDUCTION SERVICES!
WE ARE CONSULTANTS for micro-lenders and Fintech companies having a desire to enter the small dollar loan industry.
We offer macro strategies and resources to companies and founders who have a burning desire to start or improve their existing consumer facing lending business and enter the financial services industry.
AGAIN, WE EMPHASIZE:
Returns and Refunds Policy: Read this policy carefully.
We do not issue refunds for digital products once the order is confirmed and the product is emailed.
We recommend contacting us for any and all help BEFORE YOU PLACE YOUR ORDER FOR ANY OF OUR DIGITAL PRODUCTS.
If you experience any issues receiving or downloading our products contact us:
By phone number: 702-208-6736
By email: email@example.com
By visiting this page on our website: http://www.PaydayLoanIndustryBlog.com/terms-of-use/
We share cutting-edge strategies and thought leadership on how to interpret consumer behavior and build profitable products while helping them overcome their daily financial challenges.
Welcome to Trihouse Consulting, including any linked websites and mobile applications (the “Site”). The Site is owned and operated by Trihouse Consulting (collectively, “Trihouse Consulting,” “Company,” “we,” “our,” or “us”). These Terms govern your use of the Site and any of the products and services made available via the Site (“Services). Your compliance with these Terms is a condition to your use of the Site and Services. By using our Site or using or applying for a Service, you are agreeing to these Terms and the terms of our Privacy Notice. These Terms constitute a legal contract between you and Trihouse Consulting (collectively, “Trihouse Consulting,” “Company,” “we,” “our,” or “us”) governing your use of the Site and Services, to the extent not superseded by the terms and conditions of any contract we enter into with you for Services.
We may, from time to time, make modifications, changes or additions to these Terms. You agree that your continued use of the Site or Services following the posting of such changes is your acceptance of such changes. Therefore, you should visit this page periodically to review any changes to the Terms.
The Services are not available to persons under the age of 18 or to persons who are not legal residents of the United States. BY USING THE SITE OR APPLYING FOR OR USING ANY OF THE SERVICES, YOU REPRESENT AND WARRANT THAT YOU ARE AT LEAST 18 YEARS OF AGE AND ARE A LEGAL RESIDENT OF THE UNITED STATES. Not all Services are available in all geographic areas. Your eligibility for particular Services is subject to final determination by Trihouse Consulting.
Trihouse Consulting (collectively, “Trihouse Consulting,” “Company,” “we,” “our,” or “us”) Privacy Notice applies to your use of this Site and the Services, and its terms are expressly incorporated by reference.
While you may use the Site without registering, certain functionality or areas of the Site require you to register and create a username and password in order to access such portions of the Site. You may not share your username or password with others. You are solely responsible for (i) authorizing, monitoring, controlling access to and maintaining the confidentiality of your username and password, (ii) informing us, in writing, of any need to deactivate a username due to security, confidentiality or other concerns, and (iii) any charges or damages that may be incurred by use of your username and password, for any reason, until such time as you tell us to deactivate your account or other such notification that your account has been compromised or such other unauthorized use. We are not liable for any harm related to any authorized or unauthorized use of your username or password.
You acknowledge that use of a username and a password is an adequate form of security. You acknowledge and agree that Internet transmissions are never completely private or secure and that any message or information you send to the Site may be read or intercepted by others, notwithstanding our efforts to protect such transmissions. In addition, as a condition of your use of this Site, you agree that you will not, and you will not take any action intended to: (i) access data that is not intended for you; (ii) invade the privacy of, obtain the identity of, or obtain any personal information about any Trihouse Consulting (collectively, “Trihouse Consulting,” “Company,” “we,” “our,” or “us”) customer or user of this Site; (iii) probe, scan or test the vulnerability of this Site or the Trihouse Consulting (collectively, “Trihouse Consulting,” “Company,” “we,” “our,” or “us”) network or breach security or authentication measures without proper authorization; (iv) attempt to interfere with service to any user, host or network or otherwise attempt to disrupt our business, including, without limitation, via means of submitting a virus to this Site, overloading, “flooding,” “spamming,” “mail bombing” or “crashing;” or (v) send unsolicited mail, including promotions and/or advertising of products and services. Violations of system or network security may result in civil or criminal liability.
Consent to Be Contacted
We may contact you for consulting servicing, including without limitation, for matters related to your project and other consulting-related issues.
You may change your contact preferences by contacting us at 702-208-6736 or while logged into your account, by visiting the account home screen.
The Site is protected by United States and international copyright and trademark laws and other applicable intellectual property laws, and together with any material made available for download, any content, files, code, documents, text, photographs, images, audio, and video, and any materials accessed through or made available for use or download through this Site (collectively, the “Content”) may not be copied, distributed, modified, reproduced, published or used, in whole or in part, except for purposes authorized or approved, in writing, by Trihouse. You may not frame or utilize framing techniques to enclose, or deep link to, our names, trademarks, service marks, logos, Content or other proprietary information without our express written consent. You are authorized solely to view and retain a copy of the pages of the Site for your own personal, non-commercial use. Additionally, you agree that you will not (i) remove or alter trademark or other proprietary notice or legend displayed on the Site (or printed pages produced from the Site); and (ii) make any other modifications to any documents obtained from the Site other than in connection with completing information required to transact business with Trihouse Consulting (collectively, “Trihouse Consulting,” “Company,” “we,” “our,” or “us”).
Submissions, Reviews, Feedback and other Postings to the Site
If you submit, upload or post any comments, ideas, suggestions, information, files, images or other materials to us or the Site, or if you submit any materials through third party services, such as by tagging us on Instagram (collectively, “Submissions”), you represent and warrant that you are the owner of or have the necessary rights and licenses to provide such Submissions and you further agree to, and hereby grant to us, a royalty-free, irrevocable, and fully transferable right and license to use the Submissions at our discretion and to use your name as provided in connection with your Submission or as set forth in your account. Please do not to provide any Submissions that (i) are abusive, unlawful, obscene, or harmful, or that could encourage criminal or unethical behavior, (ii) violate or infringes the intellectual property or privacy rights of any person or entity, or (iii) contain or transmit a virus or any other harmful component. We take no responsibility and assume no liability for any Submissions provided by you or any third party, and under no circumstances shall we be liable for any user Submissions, including, but not limited to any loss or damage that results from the Submissions being transmitted or made available on the Site or through the use of the Site and Services. Trihouse Consulting (collectively, “Trihouse Consulting,” “Company,” “we,” “our,” or “us”) shall not be subject to any obligations of confidentiality regarding such Submissions except as may be expressly agreed in writing by Trihouse Consulting or as otherwise specifically required by law.
From time to time, Trihouse Consulting (collectively, “Trihouse Consulting,” “Company,” “we,” “our,” or “us”) may conduct promotions on or through the Site, including without limitation, contests, sweepstakes and other promotions (“Promotions”). Each Promotion may have additional terms and/or rules of participation (“Promotion Rules”), which will be posted or otherwise made available to you. The Promotion Rules for each Promotion in which you participate will be deemed incorporated into and form a part of these Terms for the Promotions. It is your responsibility to read the Promotion Rules to determine whether or not your participation, registration, or entry will be valid or restricted, and to determine your participation requirements.
Digital Millennium Copyright Act Notice / Claims of Copyright Infringement & Related Issues (17 U.S.C. § 512 et seq.)
We respect the intellectual property rights of others. If you believe work has been reproduced in a way that constitutes copyright infringement, you may notify our agent by providing the following information:
Identification of the copyrighted work that you claim has been infringed, or, if multiple copyrighted works at a single online site are covered by a single notification, a representative list of such works at the site;
Identification of the material that you claim is infringing and needs to be removed, including a description of where it is located so that the copyright agent can locate it;
Your address, telephone number, and, if available, e-mail address, so that the copyright agent may contact you about your complaint;
and a signed statement that the above information is accurate; that you have a good faith belief that the identified use of the material is not authorized by the copyright owner, its agent, or the law; and, under penalty of perjury, that you are the copyright owner or are authorized to act on the copyright owner’s behalf in this situation.
Upon obtaining such knowledge we will act expeditiously to remove, or disable access to, the material. Please be aware that there are substantial penalties for false claims. If a notice of copyright infringement has been wrongly filed against you, you may submit a counter notification to our agent. A valid counter notification is a written communication that incorporates the following:
A physical or electronic signature of the poster;
Identification of the material that has been removed or to which access has been disabled and the location at which the material appeared before it was removed or access to it was disabled;
A statement under penalty of perjury that you have a good faith belief that the material was removed or disabled as a result of mistake or misidentification;
Your name, address, and telephone number; a statement that you consent to the jurisdiction of federal district court for the judicial district in which your address is located, or if your address is outside of the U.S., for any judicial district in which the service provider may be found; and that you will accept service of process from the complainant.
Notices of the foregoing copyright issues should be sent as follows:
By E-Mail: TrihouseConsulting@gmail.com
trihouseconsulting@gmail Subject: COPYRIGHT
If you give notice of copyright infringement by e-mail, an agent may begin investigating the alleged copyright infringement; however, we must receive your signed statement by mail or as an attachment to your e-mail before we are required to take any action. This information should not be construed as legal advice. For further information about the DMCA, please visit the website of the United States Copyright Office at http://www.copyright.gov/onlinesp.
Third Party Sites / Links
This Site may contain links to sites maintained by third parties. Trihouse Consulting (collectively, “Trihouse Consulting,” “Company,” “we,” “our,” or “us”) is not responsible for the content or privacy policies of those sites, and the existence of such links should not be considered an endorsement or recommendation of those sites or of any product or service offered on those sites or of any party that is associated with those sites. Please note that other sites and webpages linked to or from this Site may be governed by separate terms and conditions, including privacy policies. Please refer to the applicable terms and conditions and privacy policies of those sites and webpages when visiting them.
Disclaimer of Warranty
WE DO NOT WARRANT THAT ACCESS TO OR USE OF THE SITE OR SERVICES WILL BE UNINTERRUPTED OR ERROR-FREE OR THAT DEFECTS OR ERRORS IN THE SITE OR SERVICES WILL BE CORRECTED. THIS SITE, INCLUDING ANY CONTENT OR INFORMATION CONTAINED WITHIN IT OR ANY SERVICE, IS PROVIDED “AS IS,” “AS AVAILABLE” WITH ALL FAULTS, WITH NO REPRESENTATIONS OR WARRANTIES OF ANY KIND, EITHER EXPRESSED OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, QUALITY OF INFORMATION, QUIET ENJOYMENT, TITLE, AND NON-INFRINGEMENT. WE DO NOT WARRANT THE ACCURACY, COMPLETENESS OR TIMELINESS OF THE INFORMATION OBTAINED THROUGH THE SITE. WE DO NOT WARRANT THAT FILES AVAILABLE FOR DOWNLOAD WILL BE FREE OF VIRUSES, WORMS, TROJAN HORSES OR OTHER DESTRUCTIVE PROGRAMMING. YOU ARE RESPONSIBLE FOR IMPLEMENTING PROCEDURES SUFFICIENT TO SATISFY YOUR NEEDS FOR DATA BACK UP AND SECURITY.
LIMITATION OF LIABILITY
EXCEPT WHERE PROHIBITED BY LAW, NEITHER Trihouse Consulting (collectively, “Trihouse Consulting,” “Company,” “we,” “our,” or “us”), NOR ITS DIRECTORS, OFFICERS, EMPLOYEES, AGENTS, CONTRACTORS, SUCCESSORS OR ASSIGNS THEREOF, SHALL BE LIABLE TO YOU FOR ANY INDIRECT, CONSEQUENTIAL, EXEMPLARY, INCIDENTAL OR PUNITIVE DAMAGES, INCLUDING LOST PROFITS ARISING OUT OF OR IN CONNECTION WITH THIS SITE, THE SERVICES OR CONTENT, OR YOUR INABILITY TO ACCESS OR USE ANY OF THE FOREGOING, OR ANY OTHER ERROR, OMISSION, INTERRUPTION, DEFECT, DELAY IN OPERATION OR TRANSMISSION, COMPUTER VIRUS OR FAILURE, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. UNLESS OTHERWISE EXPRESSLY SET FORTH IN A WRITTEN AGREEMENT BETWEEN YOU AND US, OUR MAXIMUM LIABILITY FOR ALL CLAIMS ARISING OUT OF OR RELATING TO THIS SITE, THE SERVICES, SUBMISSIONS OR THE CONTENT, WHETHER IN CONTRACT, TORT OR OTHERWISE WILL NOT EXCEED THE GREATER OF ONE HUNDRED DOLLARS ($100) OR THE AMOUNT YOU HAVE PAID US IN THE PAST TWELVE MONTHS WITH RESPECT TO THE INCIDENT GIVEN RISE THE CAUSE OF ACTION. Some jurisdictions do not allow limitations of liability, so the foregoing limitation may not apply to you.
You agree to defend, indemnify and hold Trihouse Consulting (collectively, “Trihouse Consulting,” “Company,” “we,” “our,” or “us”) and its affiliates and its and their directors, officers, employees, agents, contractors, successors or assigns thereof harmless from and against all third party claims, damages and expenses (including reasonable attorneys’ fees) against or incurred by us arising out of your breach of these Terms or violation of applicable law, any of your Submissions, your use or access of the Site, or access by anyone accessing the Site using your account. We reserve the right to assume or participate, at your expense, in the investigation, settlement and defense of any such action or claim.
Certain features or Services available through the Site may be subject to additional terms, which will be presented to you at that time. In the event of a conflict between these Terms and such additional terms, the additional terms will govern solely with respect to such features and Services. Such additional terms are expressly incorporated into and made part of these Terms.
This Site is not directed at children under the age of thirteen (18). Trihouse Consulting does not knowingly collect personal information from any child under the age of thirteen (18) at this Site.
Law and Venue
Certain portions of this Section are deemed to be a “written agreement to arbitrate” pursuant to the Federal Arbitration Act. You and Trihouse agree that each of the parties intends that this Section satisfies the “writing” requirement of the Federal Arbitration Act. This Section can only be amended by mutual agreement.
First – Try To Resolve Disputes and Excluded Disputes. If any controversy, allegation, or claim arises out of or relates in any way to the Site, the Services, Content, Submissions or these Terms (collectively, “Dispute”), excluding any claims relating to any of Trihouse Consulting’s actual or alleged intellectual property rights (an “Excluded Dispute”, which includes those actions set forth below under Injunctive Relief), then both you and Trihouse Consulting (collectively, “Trihouse Consulting,” “Company,” “we,” “our,” or “us”) agree to send a written notice to the other providing a reasonable description of the Dispute or Excluded Dispute, along with a proposed resolution of it. Trihouse Consulting (collectively, “Trihouse Consulting,” “Company,” “we,” “our,” or “us”)’s notice to you will be sent to you based on the most recent contact information that you provide us. But if no such information exists or if such information is not current, then we have no obligation under this sub-Section to send such notice. Your notice to Trihouse Consulting (collectively, “Trihouse Consulting,” “Company,” “we,” “our,” or “us”) must be sent to: TrihouseConsulting@gmail.com (Attn: General Counsel). For a period of sixty (60) days from the date of receipt of notice from the other party, Trihouse Consulting (collectively, “Trihouse Consulting,” “Company,” “we,” “our,” or “us”) and you will engage in a dialogue in order to attempt to resolve the Dispute or Excluded Dispute, though nothing will require either you or Trihouse Consulting to resolve the Dispute or Excluded Dispute on terms with respect to which you and Trihouse Consulting (collectively, “Trihouse Consulting,” “Company,” “we,” “our,” or “us”), in each party’s sole discretion, are not comfortable.
Forums for Alternative Dispute Resolution
Arbitration. If Trihouse Consulting (collectively, “Trihouse Consulting,” “Company,” “we,” “our,” or “us”) is unable to cannot resolve a Dispute as set forth in the section above within sixty (60) days of receipt of the notice, then either party may submit the Dispute to formal arbitration in accordance with this sub-Section.
Upon expiration of the applicable sixty-day period and to the fullest extent permitted by applicable law, a Dispute will be resolved solely by binding arbitration in accordance with the then-current Commercial Arbitration Rules of the American Arbitration Association (“AAA”). If the Dispute has a claimed value of not more than $250,000, then the arbitration will be heard and determined by a single neutral arbitrator who is a retired judge or a lawyer with not less than fifteen (15) years experience as a practicing member of the bar in the substantive practice area related to the Dispute, who will administer the proceedings in accordance with the AAA’s Supplementary Procedures for Consumer Related Disputes. If the Dispute has a claimed value of more than $250,000, or if Trihouse Consulting (collectively, “Trihouse Consulting,” “Company,” “we,” “our,” or “us”) elects, in its sole discretion, to bear the costs of arbitration in excess of those that would occur for a proceeding before a single neutral arbitrator, then the arbitration will be heard and determined by a three-member panel, with one member to be selected by each party and the third (who will be chair of the panel) selected by the two party-appointed members or by the AAA in accordance with the Commercial Arbitration Rules. The arbitrator or arbitration panel, as the case may be, will apply applicable law and the provisions of these Terms, will determine any Dispute according to the applicable law and facts based upon the record and no other basis, and will issue a reasoned award.
You can obtain AAA procedures, rules, and fee information as follows:
Nature, Limitations, and Location of Alternative Dispute Resolution. In arbitration, as with a court, the arbitrator must honor the terms of these Terms and can award the prevailing party damages and other relief (including attorneys’ fees). However, WITH ARBITRATION (A) THERE IS NO JUDGE OR JURY, (B) THE ARBITRATION PROCEEDINGS AND ARBITRATION OUTCOME ARE SUBJECT TO CERTAIN CONFIDENTIALITY RULES, AND (C) JUDICIAL REVIEW OF THE ARBITRATION OUTCOME IS LIMITED. All parties to the arbitration will have the right, at their own expense, to be represented by an attorney or other advocate of their choosing. If an in-person arbitration hearing is required, then it will be conducted in the “metropolitan statistical area” (as defined by the U.S. Census Bureau) where you are a resident at the time the Dispute is submitted to arbitration. Each party is responsible to pay the applicable administrative and arbitrator’s fees and other costs in accordance with the applicable arbitration rules; but if applicable arbitration rules or laws require Trihouse Consulting to pay a greater portion or all of such fees and costs in order for this Section to be enforceable, then Trihouse Consulting will have the right to elect to pay the fees and costs and proceed to arbitration. Discovery will be permitted pursuant to the applicable arbitration rules. The arbitrator’s decision must consist of a written statement stating the disposition of each claim of the Dispute, and must provide a statement of the essential findings and conclusions on which the decision and any award (if any) is based. Judgment on the arbitration decision and award (if any) may be entered in or by any court that has jurisdiction over the parties pursuant to Section 9 of the Federal Arbitration Act.
Limited Time To File Claims. TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, ANY DISPUTE MUST BE FILED WITHIN ONE YEAR AFTER SUCH DISPUTE AROSE OR BE FOREVER BARRED.
Injunctive Relief. The foregoing provisions of this Arbitration Section will not apply to any legal action taken by Trihouse Consulting to seek an injunction or other equitable relief in connection with, any loss, cost, or damage (or any potential loss, cost, or damage) relating to the Site, Services, any Content, Submissions and/or Trihouse Consulting’s intellectual property rights.
Small Claims Matters Are Excluded From Arbitration Requirement. Notwithstanding the foregoing, either party may bring qualifying claim of Disputes in small claims court, subject to the Section Federal and State Courts in Cook County, NV below.
No Class Action Matters. Disputes will be arbitrated only on an individual basis and will not be consolidated with any other arbitration or other proceedings that involve any claim or controversy of any other party. But if, for any reason, any court with competent jurisdiction or any arbitrator selected pursuant to the Arbitration sub-Section above holds that this restriction is unconscionable or unenforceable, then the agreement in the Forums for Alternative Dispute Resolution Section above to arbitrate will not apply and the Dispute must be brought exclusively in court pursuant to the Section directly below.
Federal and State Courts in Cook County, NV. Except to the extent that arbitration is required in Forums for Alternative Dispute Resolution Section above, and except as to the enforcement of any arbitration decision or award, any action or proceeding relating to any Dispute may only be instituted in state or federal court in Cook County, NV. Accordingly, both you and Trihouse Consulting (collectively, “Trihouse Consulting,” “Company,” “we,” “our,” or “us”) consent to the exclusive personal jurisdiction and venue of such courts for such matters.
Any failure by Trihouse Consulting to exercise any rights or enforce any of these Terms shall not constitute a waiver of such rights or terms. If any provision of these Terms or their application in a particular circumstance is held to be invalid or unenforceable to any extent, the remainder of these Terms, or the application of such provision in other circumstances, shall not be affected thereby, and each provision hereof shall be valid and enforced to the fullest extent permitted by law. These Terms constitute the entire agreement between you and Trihouse Consulting (collectively, “Trihouse Consulting,” “Company,” “we,” “our,” or “us”) with regard to your use of the Site, Services or the Content, and any and all other written or oral agreements or understandings previously existing between you and Trihouse Consulting (collectively, “Trihouse Consulting,” “Company,” “we,” “our,” or “us”) with respect to such use are hereby superseded and cancelled. Trihouse Consulting (collectively, “Trihouse Consulting,” “Company,” “we,” “our,” or “us”) will not accept any counter-offers to these Terms, and all such offers are hereby rejected.
This Site, the Services and its Content are directed to persons residing in the United States. You may not use or export or re-export any portion of this Site, Services or its Content in violation of any applicable laws or regulations, including without limitation United States export laws and regulations.