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DMCA Compliance

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The following describes the DMCA Compliance for our advanceloan.net website. We at AdvanceLoan are committed to responding to any alleged copyright violations, should they occur. Notice of any alleged violation should take the form proposed by the U.S. Digital Millennium Copyright Act as revealed at http://www.copyright.gov.

Remedy
If any material infringes on the copyright of any offended party, we may remove the content from www.advanceloan.net, prevent access to it, terminate or block access for those responsible for the content, and/or any other action deemed appropriate. We may also pass along record of the incident for documentation and/or publication by third parties at our discretion.

Not Legal Advice/No Attorney-Client Relationship
If you believe your rights have been violated, it can be a serious matter. This DMCA notice exists solely to effectuate our efforts, as website owners, to prevent and eliminate infringement on intellectual property rights. It is no substitute for the assistance of competent legal counsel. Other remedies and action, such as against an internet service provider (ISP), may exist. You may wish to seek legal help immediately.

Notification
For your convenience and to speed resolution, notice of alleged infringement may be tendered to AdvanceLoan via email, using the email address and/or contact information provided on this website. We warn that you will be liable for any and all statutory and common law damages, as well as court costs and attorney fees, if you falsify a claim that your copyrights have been violated. Six figure awards have already been granted for bogus complaints, so seeking the help of competent counsel is advised.

Assuming you still wish to assert copyright violation, you should provide the following to speed up the process:
STEP 1. Identify in adequate detail the copyrighted item you believe has been violated, by providing the URL to the protected work, ISBN#, or otherwise.
STEP 2. Identify the URL of the webpage that you assert is infringing the copyrighted work listed in item #1 above.
STEP 3. Provide contact information for yourself (email address is preferred, phone is suggested).
STEP 4. Provide information sufficient to allow us to notify the owner/administrator of the allegedly infringing webpage or other content such as a blog or forum posting (email address is preferred).
STEP 5. Include the following statement: "I have a good faith belief that use of the copyrighted materials described above as allegedly infringing is not authorized by the copyright owner, its agent, or the law."
STEP 6. Include the following statement: "I swear, under penalty of perjury, that the information in the notification is accurate and that I am the copyright owner or am authorized to act on behalf of the owner of an exclusive right that is allegedly infringed."
STEP 7. Digitally sign your affirmation.

Counter-Notification
Note that the party representing the affected website or provider of content can issue a counter-notification under sections 512(g)(2) and (3) of the Digital Millennium Copyright Act, and so we may again post or link to the content in that case.
For your convenience, counter notification may be tendered via email, using the email address and/or contact information provided on this website. We warn that you will be liable for any and all statutory and common law damages, as well as court costs and attorney fees, if you falsify a claim that others copyrights have NOT been violated.
Assuming you still wish to file a counter-notice, you should provide the following to speed up the process:
STEP 1. Identify the specific URLs or other unique identifying information of material that we have removed or disabled access to.
STEP 2. Provide your name, address, telephone number, email address, and a statement that you consent to the jurisdiction of Federal District Court for the judicial district in which your address is located, and that you will accept service of process from the person who provided notification under subsection (c)(1)(C) or an agent of such person.
STEP 3. Include the following statement: "I swear, under penalty of perjury, that I have a good faith belief that each item of content identified above was removed or disabled as a result of a mistake or misidentification of the material to be removed or disabled, or that the material identified by the complainant has been removed or disabled at the URL identified and will no longer be shown."
STEP 4. Digitally sign the affirmation.

CHANGE NOTICE: As with any of our administrative and legal notice pages, the contents of this page can and will change over time. Accordingly, this page could read differently as of your very next visit. These changes are necessitated, and carried out by AdvanceLoan, in order to protect you and our www.advanceloan.net website. If this page is important to you, you should check back frequently as no other notice of changed content will be provided either before or after the change takes effect.

COPYRIGHT WARNING: The legal notices and administrative pages on this website, including this one, have been diligently drafted by an attorney. We at AdvanceLoan have paid to license the use of these legal notices and administrative pages on www.advanceloan.net for your protection and ours. This material may not be used in any way for any reason and unauthorized use is policed via Copyscape to detect violators.

QUESTIONS/COMMENTS/CONCERNS: If you have any questions about the contents of this page, or simply wish to reach us for any other reason, you may do so by using our Contact information, please email us at dmca@advanceloan.net

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Disclaimer

Your use of this website is not an offer or solicitation to lend you money.

The owner and operator of advanceloan.net is not a lender, neither is it involved in making credit decisions associated with lending or making loan offers. Instead, the website is designed only as a connecting service that enables users contact with lenders and third parties. The website does not charge any fees for its services, nor does it oblige any user to initiate contact with any lenders or third parties, or accept any loan product s or services offered by lenders. All the data concerning loan products is presented on the website for information purposes only. Advanceloan.net does not endorse any particular lenders, nor does it represent or is responsible for the actions or inactions of any of the lenders. Advanceloan.net does not collect, store or has access to the information regarding the exact fees and charges associated with the lenders and/or any loan products. Short-term loans are not available in all the US states. Not all lenders in the network can provide loans of up to $1,000. Advanceloan.net cannot guarantee that users of the website will be approved by any lenders or for any loan product, will be connected with a lender, or if connected, will receive a loan offer on the terms requested in the online form. The lenders may need to perform a credit check via one or more credit bureaus, including but not limited to major credit bureaus in order to determine credit reliability and the scope of credit products to offer. The lenders in the network may need to perform additional verifications, including but not limited to social security number, driver license number, national ID or other id documents. Those currently encountering credit difficulties should seek credit counseling. The terms and scope of loan products vary from lender to lender and can depend on numerous factors, including but not limited to, state of residence and credit standing of the applicant, as well as the terms determined by each lender individually.

APR Representative
The APR (Annual Percentage Rate) is the loan rate calculated for the annual term. Since Advanceloan.net is not a lender and has no information regarding the terms and other details of loan products offered by lenders individually, Advanceloan.net cannot provide the exact APR charged for any loan product offered by lenders. Indicative APR rates range from from 260% to 1042% depending on location and personal circumstances. The APRs vary from lender to lender, state to state and depend on numerous factors, including but not limited to the credit standing of an applicant. Additional charges associated with the loan offer, including but not limited to origination fees, late payment, non-payment charges and penalties, as well as non-financial actions, such as late payment reporting and debt collection actions, may be applied by lenders. These financial and non-financial actions have nothing to do with Advanceloan.net, and Advanceloan.net has no information regarding which actions may be taken by the lenders. All the financial and non-financial charges and actions are to be disclosed by the lender in any particular loan agreement, in a clear and transparent manner. The APR is calculated as the annual charge and is not a financial charge for a short-term loan. For more information please visit our rates and fees section.

Late Payment Implications
It is recommended to contact the lender if a late payment is expected or considered possible. In this case, late payment fees and charges may be applied. Federal and state regulations are determined for the cases of late payment and vary from case to case. All the details concerning the procedures and costs associated with late payment are disclosed in the loan agreement and should be reviewed prior to signing any related document.

Non-payment Implications
Financial and non-financial penalties may be applied in cases of non-payment or missed payment. Fees and other financial charges for late payment are to be disclosed in the actual loan agreement. Additional actions related to non-payment, such as renewals, may be applied upon given consent. The terms of renewal are disclosed in each loan agreement individually.

Debt collection practices and related procedures may be performed. All the actions related to these practices adhere to Fair Debt Collection Practices Act regulations and other applicable federal and state laws in order to protect consumers from unfair lending and negative borrowing experiences. The majority of lenders do not use outside collection agencies and attempt to collect the debt via in-house means.

Non-payment and late payment may have negative impact on the borrowers’ credit standing and downgrade their credit score, as the lenders may report delinquency to credit bureaus, including but not limited to Equifax, Transunion, and Experian. In this case the results of non-payment and late payment may be recorded and remain within credit reports for the determined amount of time.

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