Terms of Use

By accessing this website, you are agreeing to be bound by these website Terms of Use, all applicable laws and regulations, and agree that you are responsible for compliance with any applicable local laws. Please read the Terms of Use carefully before you start to use the website. If you do not agree with any of these terms, you are prohibited from using or accessing this site.

  1. Acceptance of this Agreement

    Your use of the LendTrade Site is governed by the current version of this agreement and any other agreement in effect on the date of such use. This Agreement sets forth the terms and conditions that apply to and govern (i) your access and use of the websites, including the websites located at lendtrade.com and other subdomains owned and operated by LendTrade LLC (“LendTrade”), an Iowa Limited Liability company; and (ii) any service provided by LendTrade or through and LendTrade site (collectively “LendTrade Site”).

    LendTrade may in its sole discretion modify this and any other Agreement at any time and from time to time and LendTrade will advise you of such modification by posting the revised agreement on the LendTrade Site. You agree the posting of revised terms of use on any LendTrade Site is actual notice to you of the revised terms of use then in effect. Your continued use of the LendTrade Site is acknowledgement and acceptance of the revised terms of use.

  2. Access and Site Maintenance

    LendTrade reserves the right, in its sole discretion, without any notice requirement, to change, improve or correct the information, materials and descriptions on any LendTrade Site and to suspend and/or deny access to any LendTrade Site for scheduled or unscheduled maintenance, upgrades, improvements or corrections.

  3. Registration

    Certain LendTrade services, and certain pages of a LendTrade Site, are available only to Members, and Full Access Members who have been authorized by LendTrade to access those services and web pages. Such authorization requires acceptance of a User Account Agreement. Only Members and Full Access Members of any LendTrade site with valid credentials are authorized to access such services and web pages. LendTrade reserves the right to change the requirement to access any portion of any LendTrade Site in its sole discretion, including changes that may result in you no longer having access to certain portions of a LendTrade Site.

    Prior to registration as a Member, youhave limited access to certain informationthat Full Access Members have decided to shareon the LendTrade Site. Youraccess to that information will be limitedin scope and duration, and such limitations are solely within LendTrade’s discretion.

    As a condition of access to information on the LendTrade Site, youagree youwill not do any of thefollowing:

    1. Use the LendTrade Platform to provide broker, middleman, or intermediary services;
    2. Download or copy information for the benefit of a third party;
    3. Advertise or offer to sell or buy any goods or services for any business purpose;
    4. Use or attempt to use any robot, spider, scraper, deep link or other similar automated data gathering or extraction tools, program, algorithm or methodology to access, acquire, copy or monitor anyportion of the LendTrade Site,without LendTrade’sexpress written consent, which may be withheld in LendTrade’s sole discretion;
    5. Reproduce, duplicate, copy, sell, resell, or otherwise exploit the site or any portion of this site for any commercial purpose except as set forth herein;
    6. Frame or utilize framing techniques to enclose any non-owned copyrighted material, trademark, logo, or other proprietary information (including images, text, page layout, or form) of LendTrade or any other rights holder;
    7. Defame, abuse, harass, stalk, threaten or otherwise violate the legal rights (such as rights of privacy and publicity) of others;
    8. Publish, post, upload, distribute or disseminate any inappropriate, profane, defamatory, infringing, obscene, indecent or unlawful topic, name, material or information;
    9. Upload files that contain software or other material protected by intellectual property laws (or by rights or privacy or publicity) unless you own or control the rights thereto or have received all necessary consents;
    10. Falsify or delete any author attributions, legal or other proper notices or proprietary designations or labels of the origin or source of software or other material contained in a file that is uploaded;
    11. Use any meta tags or any other "hidden text" utilizing the name or trademarks of any third party rights holder without their express written consent;
    12. Post or transmit or attempt to post or transmit any file which contains viruses, worms, Trojan horses or any other contaminating or destructive features, or that otherwise interfere with the proper working of the LendTrade Platform;
    13. Use the website for unauthorized or unsolicited junk, bulk email, chain mail or spamming;
    14. Harvest or otherwise collect information about others, including e-mail addresses, without their consent;
    15. Reverse engineer or otherwise decipher, decompile, disassemble or derive any source code or underlying algorithms or ideas of any part of the website.

  4. No interference with Use and Enjoyment

    You agree you will not interfere with any other party’s use and enjoyment of any LendTrade Site.

  5. No Unlawful or Fraudulent Use

    As a condition of your use of any LendTrade Site, you represent, warrant, and agree you will not use any LendTrade Site for any purpose that is unlawful, fraudulent, in contravention of any other agreement or prohibited by this Agreement, or that could give rise to any civil or criminal liability.

    You agree not to use the LendTrade site in any manner that could disable, overburden, damage, or impair the site or interfere with any other party’s use of the LendTrade Sites, including their ability to engage in real time activities through any LendTrade Site.

    You agree to not use any robot, spider, or other automatic device, process, or means to access the LendTrade Site for any purpose, including monitoring or copying any of the material on the LendTrade Site. You agree not to introduce any viruses, Trojan horses, worms, logic bombs, or other material that is malicious or technologically harmful.

    You agree not to attempt to gain unauthorized access to, interfere with, damage, or disrupt any parts of the LendTrade Site, the server on which the LendTrade Site is stored, or any server, computer, or database connected to the LendTrade Site.

  6. Conform to Federal, State and Local Banking Laws and Regulations

    You agree you will not engage in any activities related to any LendTrade Site that are contrary to applicable federal, state, and local laws or regulations, including, but not limited to, any banking or lending law or regulations, any consumer finance protection law, borrower personal privacy law, or applicable securities laws.

  7. Information Generated or Provided by you

    You are solely responsible for all content submitted to any LendTrade Site.

  8. Proprietary Information and Trademark

    Trademarks, logos and service marks displayed on any LendTrade Site are registered and unregistered trademarks of LendTrade. All of these trademarks, logos and service marks are the property of their respective owners or authorized licensees. Nothing on any LendTrade Site shall be construed as granting, by implication, estoppel, or otherwise, any license or right to use any trademark, logo or service mark displayed on any LendTrade Site without LendTrade’s prior written permission. LendTrade reserves all rights not expressly granted in any LendTrade Site and its content.

    All other proprietary information or processes used on any LendTrade Site are the exclusive property of LendTrade. Nothing on any LendTrade Site shall be construed as granting, by implication, estoppel, or otherwise, any license or right to use any propriety information or process without LendTrade’s prior written permission.

  9. LendTrade Disclaimers

    THE CONTENT OF ANY LENDTRADE SITE ARE PROVIDED TO YOU ON AN “AS-IS” AND “AS AVAILABLE” BASIS. EXCEPT AS EXPLICITLY SET FORTH HEREIN, LENDTRADE MAKES NO REPRESENTATIONS, WARRANTIES OR GUARANTEES OF ANY KIND, EXPRESS OR IMPLIED, (I) AS TO THE OPERATION OF ANY LENDTRADE SITE OR LENDTRADE SERVICE; OR (II) AS TO THE CONTENT PROVIDED ON ANY LENDTRADE SITE OR RECEIVED THROUGH ANY LENDTRADE SERVICE, WHETHER SUCH CONTENT IS PROVIDED BY LENDTRADE LLC OR BY A MEMBER OF ANY LENDTRADE SITE OR LENDTRADE SERVICE. FURTHER, YOU EXPRESSLY AGREE THAT YOUR USE OF ANY LENDTRADE SITE OR LENDTRADE SERVICE IS AT YOUR SOLE RISK.

  10. LendTrade’s Limitation on Liability

    EACH OF LENDTRADE LLC, ITS OFFICERS, DIRECTORS, MEMBERS, SHAREHOLDERS, AFFILIATIES, SUBSIDIARIES, EMPLOYEES OR AGENTS (EACH, A “LENDTRADE PARTY”) SHALL IN NO EVENT BE RESPONSIBLE OR LIABLE TO YOU OR TO ANY THIRD PARTY, WHETHER IN CONTRACT, WARRANTY, TORT (INCLUDING NEGLIGENCE) OR OTHERWISE, FOR ANY INDIRECT, SPECIAL, INCIDENTAL, CONSEQUENTIAL, EXEMPLARY, LIQUIDATED OR PUNITIVE DAMAGES, INCLUDING LOSS OF PROFIT, REVENUE OR BUSINESS, ARISING IN WHOLE OR IN PART FROM YOUR ACCESS TO ANY LENDTRADE SITE, YOUR USE OF ANY LENDTRADE SERVICE, OR THIS AGREEMENT, EVEN IF A LENDTRADE PARTY HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. NOTWITHSTANDING ANYTHING TO THE CONTRARY IN THIS AGREEMENT, THE AGGREGATE TOTAL LIABILITY FOR ALL LENDTRADE PARTIES TAKEN AS A WHOLE TO YOU FOR ANY CAUSE OF ACTION REGARDLESS OF THE FORM OF THE ACTION, WILL AT ALL TIMES BE LIMITED TO THE AGGREGATE AMOUNT OF FEES YOU HAVE ACTUALLY PAID TO LENDTRADE LLC FOR USE OF THE LENDTRADE WEBSITES WITHIN THE PRECEDING TWELVE (12) CONSECUTIVE CALENDAR MONTHS, IF ANY. YOU AGREE THAT ANY CAUSE OF ACTION AGAINST ANY LENDTRADE PARTY ARISING OUT OF OR RELATED TO YOUR USE OF ANY LENDTRADE SITE OR LENDTRADE SERVICE MUST COMMENCE WITHIN ONE (1) YEAR AFTER THE CAUSE OF ACTION ACCRUES, OR ANY SUCH CAUSE OF ACTION IS PERMANENTLY BARRED.

  11. Indemnification of LendTrade by You

    You agree to defend, indemnify and hold harmless LendTrade, and its members, directors, officers, shareholders, affiliates, subsidiaries, employees and agents (each, a “LendTrade Indemnified Party”), against any and all liabilities, obligations, losses, damages, penalties, actions, judgments, suits, costs, expenses, or disbursements (including reasonable attorneys’ fees) of any kind or nature whatsoever that may be imposed upon, incurred by, or asserted against any LendTrade Indemnified Party in any way relating to or arising out of this Agreement, your use of the LendTrade Platform and/or Services, or any eventual transaction involving you and another Member. This indemnification provision covers, but is not limited to, claims for breach of contract, negligence, or any other civil or criminal action arising as a result of a transaction between you and another LendTrade Platform Member, or resulting from your use of the LendTrade Platform.

  12. LendTrade’s Privacy Policy

    For information about LendTrade’s data protection practices, please read LendTrade’s Privacy Policy in its entirety. The Privacy Policy explains how LendTrade treats your personal information and protects your privacy when you access any LendTrade Site. The Privacy Policy may be updated from time to time at the sole discretion of LendTrade. Changes to the Privacy Policy are effective upon posting to any LendTrade Site, or such later date as otherwise specified upon posting.

  13. Governing Law

    All matters relating to all LendTrade Sites and these Terms of Use, and any dispute or claim arising therefrom or related thereto (in each case, including non-contractual disputes or claims), shall be governed by and construed in accordance with the laws of the State of Iowa without giving effect to any choice or conflict of law provision or rule.

    Any dispute concerning this Agreement shall be submitted to binding arbitration in Polk County, Iowa within one (1) year from the date that the cause of action arose (or, if multiple cause of actions are involved, from the date that the first cause of action arose), with such arbitration conducted pursuant to the rules of the American Arbitration Association and held in Polk County, Iowa. To the fullest extent permitted by law, no arbitration brought under this Agreement shall be joined to any other action or any other arbitration, and no class claims may be brought as part of any arbitration conducted pursuant to this Agreement. You waive any and all objections to the exercise of jurisdiction over you by United States or Iowa state courts with jurisdiction over Polk County, Iowa to enforce any arbitration award or judgment, and to venue in such courts.

  14. Links from the LendTrade Site

    If the LendTrade Site contains links to other sites and resources provided by third parties, these links are provided for your convenience only. This includes links contained in advertisements, including banner advertisements and sponsored links. LendTrade has no control over the contents of those sites or resources, and accepts no responsibility for them or for any loss or damage that may arise from your use of them. If you decide to access any of the third-party websites linked to the LendTrade Site, you do so entirely at your own risk and subject to the terms and conditions of use for such websites.

  15. Entire Agreement

    The Terms of Use, our Privacy Policy, and User Account Agreement constitute the sole and entire agreement between you and LendTrade regarding all LendTrade Sites and supersede all prior and contemporaneous understandings, agreements, representations, and warranties, both written and oral, regarding the LendTrade Sites.

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