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Terms of Use

healthtoppers.com doing business as healthtoppers.com (“ healthtoppers.com” or “we” or “our”), owns and operates the website located at healthtoppers.com (the “Site”). healthtoppers.com provides and maintains this Site for your information, conditioned on your acceptance, without modification, of the terms, conditions and notices contained in these Terms of Use and in our Privacy Policy. By accessing and using the Site, you accept and agree without limitation to the following:

Esign Consent

You agree that clicking “Get Cash Now” (or other such button you use to submit your loan request) acts as your electronic signature. You further consent that we and any lender we share your request with can communicate with you electronically and that any required disclosures may be provided to you electronically, including without limitation any notices of adverse action that a lender is required send to you. You also confirm that you have the ability to access documents electronically, including the ability to view and save PDF files.

Products and Services

healthtoppers.com is not a lender and is not responsible for any lending product advertised or offered to you, or for any credit decisions made about you. No specific loan products are offered to you on this Site. Specific loan products are offered to you directly by the lender.

Loan Inquiry Policy

healthtoppers.com reserves the right to reject your inquiry at any time for any reason not prohibited by law. healthtoppers.com may require additional information or verification before your loan request is accepted. When you submit your information through a form on our Site, you will be connected with a lender for further consideration based on the lender’s policies and procedures. This does not mean your loan has been approved. Loan approval is solely the lender’s decision. healthtoppers.com is not responsible for taking, approving or denying your loan request. By submitting your information, you agree that if we cannot find a lender that can offer you the type of loan you initially requested, we will search our network of lenders and lending partners to see if we can find other lenders and lending partners with different loan products to help you.

Credit References

Participating lenders and lending partners may verify your social security number, driver’s license number or other federal or state identification, as well as review your credit worthiness through national databases that may include Equifax, Transunion, Experian and other credit bureaus. By submitting your information to us, you agree that lenders and lending partners may obtain such credit reports and verify your information.

Restrictions

You must be 18 years or older and a legal resident of the United States to submit a loan request. You agree not to use this Site for any illegal or inappropriate activities.

Compliance With Laws

You agree to comply with all applicable laws, statutes, ordinances and regulations regarding your use of this Site and your acceptance or purchase of products or services through any of this Site’s third party vendors. healthtoppers.com may, in its sole discretion, report actual or perceived violations of law to law enforcement or other authorities. If we become aware of any potential or suspected violation of these Terms of Use or our Privacy Policy, we may (but are not obligated to) conduct an investigation to determine the nature and extent of the suspected violation and the appropriate enforcement action to be taken. During such investigation, we may suspend services to any customer being investigated and may delete data from our servers in order to prevent or minimize further violations. You agree to cooperate fully with any such investigation. You acknowledge that violating the Terms of Use or Privacy Policy could subject you to criminal or civil penalties.

Intellectual Property

The trademarks, titles, characters, trade names, graphics, designs and other properties, including all software, text and images appearing on this Site is the intellectual property of healthtoppers.com, its licensees, or other third parties who have authorized use of such properties on the Site.

You have permission to view and make copies of documents, pages, images or other materials or content on this site for the sole purposes of requesting a loan. healthtoppers.com reserves all other rights in this Site and its contents. You may not distribute, display, transmit or disseminate any documents, pages, images, materials or content without our prior written consent. Nothing contained on this Site should be construed as conferring any right or license to any trademark, copyright or other intellectual property right.

Limitation of Liability and Disclaimer of Warranties

healthtoppers.com uses commercially reasonable efforts to ensure that the information on this Site is accurate, but accuracy is not guaranteed. healthtoppers.com makes no representations regarding your use of this Site or results that you may or may not obtain through such use.

NEITHER healthtoppers.com NOR ANY OTHER PARTY INVOLVED IN CREATING, PRODUCING OR DELIVERING THIS SITE SHALL BE LIABLE FOR ANY DIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL, INDIRECT OR PUNITIVE DAMAGES ARISING OUT OF YOUR ACCESS TO, OR USE OF, THIS SITE. EVERYTHING ON THIS SITE IS PROVIDED “AS IS” AND WITHOUT WARRANTY OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO, ANY IMPLIED WARRANTY OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE OR NON-INFRINGEMENT. THESE EXCLUSIONS AND LIMITATIONS ARE APPLIED TO THE FULLEST EXTENT PERMITTED BY LAW.

Third Party Content

This Site may contain links to websites maintained by third parties. healthtoppers.com is not responsible for the content or privacy policies of third party websites, and the existence of such links should not be considered an endorsement or recommendation of those websites, the product or service offered or any third parties associated with those websites.

Privacy

healthtoppers.com’s Privacy Policy, which is incorporated herein by reference, is applicable to any data supplied through this Site. The Privacy Policy sets out your rights and our responsibilities regarding your personal information. healthtoppers.com will not use your information in any way inconsistent with the purposes and limitations provided in the Privacy Policy. healthtoppers.com reserves the right, in its sole discretion, to modify the Privacy Policy without prior notice to you. Modifications to the Privacy Policy are effective when posted and your continued use of this Site signifies your acceptance of such modifications.

Security

healthtoppers.com uses industry-recognized technology to protect your personal information. Although healthtoppers.com takes commercially reasonable measures to secure your personal information submitted through this Site, healthtoppers.com cannot guarantee that your information will not be intercepted or decrypted by others. So long as healthtoppers.com uses commercially reasonable security measures, it accepts no responsibility for such interception or decryption except as required by law.

Site Use

healthtoppers.com does not charge you any fees for your use of this Site or our marketplace service. healthtoppers.com is not acting as an agent for (1) you, (2) any lender or (3) any supplier or vendor used in the evaluation of your loan inquiry or other use of this Site. healthtoppers.com may receive compensation from lenders and lending partners and other third parties for its services.

Law and Venue

This Site is owned and operated by [Add your company here]. By using or engaging with this Site in any way, you consent to the laws and jurisdiction of the State of Nevada. These Terms of Use and the and Privacy Policy also will be governed by and construed in accordance with the laws of Nevada, without regard to conflict of law provisions. Any legal action brought against this Site (which must be via binding arbitration as set forth below) will be governed by the laws of the Nevada and you agree that the sole jurisdiction and venue for disputes resolution will be in Clark County, Nevada.

Binding Arbitration

Should any dispute arise as to the interpretation of any term or provision of these Terms of Use or with regard to any of your dealings healthtoppers.com or with any lender you borrow from as a result of healthtoppers.com’s service, those issues shall be decided by binding arbitration. Arbitration proceeding shall be conducted under the applicable rules of the American Arbitration Association or JAMS in Clark County, Nevada. The decision of the arbitrator shall be final and binding on both parties. The prevailing party shall be entitled to recover the cost of arbitration, travel expenses, expert testimony, travel expenses of experts, and all other expenses reasonably incurred in bringing or defending an arbitration claim, from the other party unless otherwise prohibited by law.

Modification

healthtoppers.com reserves the right to modify these Terms of Use from time to time and without notice to you. Your use of this Site after such modification constitutes your acceptance of and agreement to any new or amended terms.

Indemnification

By using this Site, you agree to indemnify, defend and hold harmless healthtoppers.com, its subsidiaries, affiliates, officers, agents and other partners and employees, from any loss, liability, claim or demand, including reasonable attorneys’ fees, made by any third party due to or arising out of your use or attempted use of the Site.

Violation of the terms of use

By using the Site, you understand and agree that healthtoppers.com in its sole discretion and without prior notice may terminate your access to this Site and to any services offered, and may remove any content you have provided if healthtoppers.com believes that such content violates or is inconsistent with these Terms of Use or the Privacy Policy or their intent, or that such content may be disruptive, offensive or in violation of applicable laws.

Class Action Waiver

ANY PROCEEDINGS TO RESOLVE, LITIGATE OR ARBITRATE ANY DISPUTE IN ANY FORUM WILL BE CONDUCTED SOLELY ON AN INDIVIDUAL BASIS. NEITHER YOU NOR healthtoppers.com WILL SEEK TO HAVE ANY DISPUTE HEARD AS A CLASS ACTION, PRIVATE ATTORNEY GENERAL ACTION, OR IN ANY OTHER PROCEEDING IN WHICH EITHER PARTY ACTS OR PROPOSES TO ACT IN A REPRESENTATIVE CAPACITY. NO ARBITRATION OR PROCEEDING WILL BE COMBINED WITH ANOTHER WITHOUT THE PRIOR WRITTEN CONSENT OF ALL PARTIES TO ALL AFFECTED ARBITRATIONS OR PROCEEDINGS. FURTHERMORE, YOU AGREE THAT YOU WILL NOT SEEK TO HAVE ANY DISPUTE AGAINST ANY LENDER TO WHOM YOU ARE REFERRED HEARD AS A CLASS ACTION, PRIVATE ATTORNEY GENERAL ACTION, OR IN ANY OTHER PROCEEDING IN WHICH EITHER PARTY ACTS OR PROPOSES TO ACT IN A REPRESENTATIVE CAPACITY. THIS CLASS ACTION WAIVER MAY BE LIMITED BY APPLICABLE LAW, BUT IS INTENDED TO BE ENFORCED TO THE FULL EXTENT ALLOWED BY LAW.

Miscellaneous

Any reference to healthtoppers.com includes healthtoppers.com. All rights not expressly granted to you are reserved to healthtoppers.com. The headings used in these Terms of Use are intended for convenience only, and shall not affect the construction and interpretation thereof. healthtoppers.com’s failure to insist upon or enforce strict performance of any provision of the Terms of Use shall not be construed as a waiver of such or any future provision or right. If any provision of these Terms of Use is held to be invalid or unenforceable, such determination shall not affect such provision in any other respect or any other provision of these Terms of Use, which shall remain in full force and effect. These Terms of Use and the Privacy Policy constitute the entire agreement and understanding between the parties with respect to the subject matter contained herein and supersedes and replaces any and all prior written or oral agreements related to the subject matter hereof.

Contact Information:

Company name: healthtoppers.com
Email Address: [email protected]

INFORMATION FOR ISPs:

Website: www. healthtoppers.com
Company name: healthtoppers.com
Email Address: [email protected]

PLEASE NOTE THAT FOR QUESTIONS PERTAINING TO YOUR LOAN REQUEST STATUS, YOU MUST CONTACT YOUR LENDER DIRECTLY. healthtoppers.com IS NOT YOUR LENDER AND CANNOT ACCESS INFORMATION ABOUT YOUR LOAN APPROVAL OR STATUS.

Notice and Take Down Procedures

If you believe any materials accessible on or from the Site infringe your copyright or other intellectual property, you may request removal of those materials (or access thereto) from the Site by contacting our copyright agent (identified below) and providing the following information:

Identification of the copyrighted work that you believe to be infringed. Please describe the work, and where possible include a copy or the location (for example, the URL) of an authorized version of the work.
Identification of the material that you believe to be infringing and its location. Please describe the material, and provide a URL or any other pertinent information that will allow location of the material.
Your name, address, telephone number and email address.
A statement that in good faith you believe the complained of use of the materials is not allowed by the copyright owner, its agent, or the law.
A statement that your submission is accurate and that "under penalty of perjury" you are the copyright owner or the owner’s authorized agent.
A signature or the electronic equivalent from the copyright holder or authorized agent.

Send the above information to:

Legal Department
healthtoppers.com
Email Address: [email protected]

For all email submissions, please include the subject line: DMCA Takedown Request.

Privacy Policy

FACTS	WHAT DOES healthtoppers.com DO WITH YOUR PERSONAL INFORMATION?
Why?	Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do.
What?	The types of personal information we collect and share depend on the product or service you have with us. This information can include: Social Security number and checking account information Transaction history and income Credit history and account balances
How?	All financial companies need to share customers’ personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers’ personal information; the reasons healthtoppers.com chooses to share; and whether you can limit this sharing.

Reasons we can share your personal information	Does healthtoppers.com share?	Can you limit this sharing?
For our everyday business purposes – such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus	Yes	No
For our marketing purposes – to offer our products and services to you	Yes	No
For joint marketing with other financial companies	Yes	No
For our affiliates’ everyday business purposes – information about your transactions and experiences	Yes	No
For our affiliates’ everyday business purposes – information about your creditworthiness	Yes	Yes
For our affiliates to market to you	Yes	Yes
For nonaffiliates to market to you	Yes	Yes

To limit our sharing	To limit sharing, please use this Unsubscribe Link. Please note: If you are a new customer, we can begin sharing your information 30 days from the date we sent this notice. When you are no longer our customer, we continue to share your information as described in this notice. However, you can contact us at any time to limit our sharing as noted above.

To limit our sharing

To limit sharing, please use this Unsubscribe Link.

Please note:

If you are a new customer, we can begin sharing your information 30 days from the date we sent this notice. When you are no longer our customer, we continue to share your information as described in this notice.

However, you can contact us at any time to limit our sharing as noted above.

Who are we
Who is providing this notice?	healthtoppers.com (dba healthtoppers.com)
What do we do
How does healthtoppers.com protect my personal information?	To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings.
How does healthtoppers.com collect my personal information?	We collect your personal information, for example, when you Submit a loan request Provide your contact information Request help obtaining a loan We also collect your personal information from others, such as credit bureaus, affiliates, or other companies.
Why can’t I limit all sharing?	Federal law gives you the right to limit only Sharing for affiliates’ everyday business purposes – information about your creditworthiness Affiliates from using your information to market you Sharing for nonaffiliates to market you State laws and individual companies may give you additional rights to limit sharing.
What happens when I limit sharing for an account I hold jointly with someone else?	Your choices will apply to everyone on your account.
Definitions
Affiliates	Companies related by common ownership or control. They can be financial and nonfinancial companies.
Nonaffiliates	Companies not related by common ownership or control. They can be financial and nonfinancial companies.
Joint Marketing	A formal agreement between nonaffiliated financial companies that together market financial products or services to you.

Other important information
Material changes to this Privacy Policy will be posted here and are deemed effective upon posting and without additional notice to you. We do not maintain a process for consumers to review and request changes to any personally identifiable information that is collected here. Vermont residents: We will not disclose information about you with affiliates or non-affiliated, third party companies or financial institutions, other than as required or permitted by law, without your express permission. California residents: We will not share information we collect about you with affiliated or non-affiliated third parties, except in the limited circumstances permitted under state law, or if you give us your permission (i.e., via a request form). Also please note that in order to provide better services to consumers, when we receive a Do Not Track signal, we may ignore such signals. Other parties may collect personally identifiable information about an individual consumer’s online activities over time and across different web sites when a consumer uses our website or service. North Dakota residents: We will not disclose information about you with non-affiliated, third party companies or financial institutions, other than as required or permitted by law, without your express permission. Nevada residents: If you would like more information regarding this notice or Nevada’s law regarding corporate do-not-call registries, you can contact us at the toll-free number or address included in this notice or the Bureau of Consumer Protection, Office of the Nevada Attorney General at 555 E. Washington Street, Suite 3900, Las Vegas, Nevada 89101; Phone: (702)486-3132; Email: [email protected]. Effective Date: The privacy policy was last updated June 13, 2018.

Other important information

Material changes to this Privacy Policy will be posted here and are deemed effective upon posting and without additional notice to you. We do not maintain a process for consumers to review and request changes to any personally identifiable information that is collected here.

Vermont residents: We will not disclose information about you with affiliates or non-affiliated, third party companies or financial institutions, other than as required or permitted by law, without your express permission.

California residents: We will not share information we collect about you with affiliated or non-affiliated third parties, except in the limited circumstances permitted under state law, or if you give us your permission (i.e., via a request form). Also please note that in order to provide better services to consumers, when we receive a Do Not Track signal, we may ignore such signals. Other parties may collect personally identifiable information about an individual consumer’s online activities over time and across different web sites when a consumer uses our website or service.

North Dakota residents: We will not disclose information about you with non-affiliated, third party companies or financial institutions, other than as required or permitted by law, without your express permission.

Nevada residents: If you would like more information regarding this notice or Nevada’s law regarding corporate do-not-call registries, you can contact us at the toll-free number or address included in this notice or the Bureau of Consumer Protection, Office of the Nevada Attorney General at 555 E. Washington Street, Suite 3900, Las Vegas, Nevada 89101; Phone: (702)486-3132; Email: [email protected].

Effective Date: The privacy policy was last updated June 13, 2018.