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Terms of Use
Terms of Use
Welcome to DimeBucks Financial d/b/a http://dimebucks.net’s web site (“Site”), http://dimebucks.net (“http://dimebucks.net,” “we” or “us”) (the “Site” or “Website”). DimeBucks Financial is the sole owner of the Site. These are the terms and conditions that apply to your use of the Site. If you use our Site, you agree to these website’s terms. You should check this page regularly for changes, as continued use of the Site will signify your constitutes acceptance of any new items.
Our Intellectual Property
The http://dimebucks.net name and http://dimebucks.net-branded seals, logos, and related marks are registered trademarks/design marks of http://dimebucks.net or its affiliated companies. The http://dimebucks.net Website seal and other such marks are trademark/certification mark(s)/service mark(s) of http://dimebucks.net. All rights reserved.
Our Site and all its contents (articles text, photographs, illustrations, graphics and video material, audio material, and software — collectively the “intellectual propriety”) are protected by copyright and trademark laws in the United States as well as international conventions. DimeBucks.com owns or controls intellectual property rights. The Site is also protected by copyright as a collective work and/or compilation.
No part of this Site may be copied, duplicated, sold, or otherwise exploited for any commercial purpose unless http://dimebucks.net specifically authorizes it.
You can browse the Site and download small quantities of material that you find interesting. All copyright, trademark, and other notices found in your copies must be preserved except as provided by these Terms & Conditions. You are not permitted to reproduce or permit others to reproduce your copies.
You may also not make them available electronically without our written consent. A significant amount of material on the Site may not be saved or archived. It is forbidden to modify or alter the Site’s user generated content. Except as stated in these Terms and Conditions, you are prohibited from copying, downloading, publicly display, publishing, entering into a database, or performing any other activity than what is permitted.
Proper use of our Site
This Site may not be used for any illegal content or prohibited purpose or cause damage on or through the Site. All communications you make through or with the Site comply with applicable local, state, or national law.
You agree to defend, indemnify and hold http://dimebucks.net, its officers, directors, employees, agents, licensors, business associates, and suppliers harmless from and against any actual or threatened claims, actions or demands, liabilities, and settlements including, without limitation, reasonable steps legal fees and accounting fees, resulting from, or alleged to result from, your use of the Site in a manner that violates or is alleged to violate this Terms and Conditions statement or any applicable law.
Transactions
Certain areas of this Site enable you to apply for financial services through http://dimebucks.net. Each state/territorial where http://dimebucks.net has been licensed will set out the use agreement such as License Agreement[s] governing those loans. http://dimebucks.net has the right to refuse or accept your loan application after receiving your application.
Use of communication services
DimeBucks.com may include bulletin boards, chat areas, newsgroups, forums, communities, or personal web pages. There might also be calendars or other communication tools that allow you to communicate with the general public or a specific group (collectively “Communication Services”). The Communication Services are only for sending, receiving, and posting appropriate and relevant messages to the specific Communication Service. You agree, but not as a limitation to the above, that you will not use a Communication Service for:
- Do not harass, harass, stalk, threaten, or violate the rights of others (such as privacy and publicity rights).
- You may publish, upload, distribute, or disseminate any offensive, profane or infringing topic, name, material, or information.
- Upload files that contain software and other material protected under intellectual property laws (or rights to privacy of publicity).
- Upload files that are corrupted, viruses-ridden, or that have similar software, or computer virus that could cause damage to another computer’s operation.
- Advertise or offer to buy or sell any goods or services, except that the Communication Service allows such messages.
- Send or conduct surveys, contests, or chain letters.
- You can download any file that another user on a Communication Service has posted.
- Upload files that contain author attributions, legal notices, or proprietary labels or labels indicating the source or origin of software or material.
- You can restrict or prohibit any other user from using the Communication Services.
- Do not violate any codes of conduct or guidelines that may apply to a particular Communication Service.
- Without their consent, harvest or collect information about other people, including e mail address.
- It would be best if you did not violate any laws or regulations.
DimeBucks Financial is not obligated to monitor Communication Services. DimeBucks Financial reserves the right to examine any material posted to a Communication Service and remove it at its sole discretion. DimeBucks Financial reserves all rights to end your access to any or every Communication Service at any time period, without prior notice.
We reserve the right to at any time disclose any information necessary to comply with any applicable laws, regulations, or legal process, or to edit or refuse to post content information or materials at our sole discretion.
When you give out personally identifying account information about yourself and your children through any Communication Service, you agree to use caution. DimeBucks Financial is not held responsible for such content, messages, or information in any Communication Service. DimeBucks Financial expressly disclaims all liability concerning any Communication Service or any actions that may result from your participation. Managers and hosts, while not authorized DimeBucks Financial spokespersons, are royalty free to express their opinions.
There may be posted restrictions on using, reproducing, and disseminating materials uploaded to a Communication Service. If you download materials, you are responsible for complying with these limitations.
Access restriction/termination
http://dimebucks.net reserves all rights to refuse access to its website or any part thereof, at any time and without notice.
Disclaimer of Warranty, Limitation on Liability, and Release
DimeBucks.com cannot guarantee the accuracy or completeness of the information on this Site. Reliance on information on the Site is at your risk
The SITE AND ALL ITS CONTENT BELONGS ARE PROVIDED “AS IS.” http://dimebucks.net DOES NOT MAKE ANY WARRANTIES OR REPRESENTATIONS EXPRESSED OR IMPLIED. This includes, but is not limited to, the IMPLIED WARRANTIES MERCHANTABILITY, FITNESS TO A PARTICULAR PURPOSE OR TITLE, TITLE OR NO COPYRIGHT INFRINGEMENT of THE RIGHTS OTHER PARTIES ACCURACY, DATA ACCURACY, QUIET ENJOY
DimeBucks.com and any other parties involved in creating the Site or its contents will not be held liable for the damage or personal injury.
http://dimebucks.net DISCLAIMS ANY WARRANTY OR REPRESENTATIONS REGARDING THIS SITE’S MATERIALS IN TERMS THEREOF OF THEIR TIMELINESS CORRECTNESS ACCURACY RELIABILITY OR ACCURACY. While we make our best efforts to provide accurate and timely information about http://dimebucks.net on this Site, you should not assume that the information is always up-to-date or that all relevant information about our company is available. We are not obliged to verify or maintain the accuracy of such information.
The law that applies may not allow for the exclusion or limitation of liability for incidental, consequential, or other damages. Some of the limitations and exclusions above may not apply to your situation. However, in no event shall http://dimebucks.net’s aggregate liability to you or any third party for such damages, losses, and causes of action exceed the amount paid by you, if any, for accessing this Site or $100, whichever is lesser. All actions must be brought within one year of the date that the cause of action accrues. Any actions filed after this effective date will be barred.
If you have a dispute with http://dimebucks.net, you release http://dimebucks.net (and our officers, directors, agents, and employees) from claims, demands, and damages (actual and consequential) of every kind and nature, known and unknown, suspected, and unsuspected, disclosed and undisclosed, arising out of or in any way connected with such legal disputes.
Links to other sites
Our Site may provide links to other websites not operated by http://dimebucks.net. You are solely responsible for your legal action when you access any other linked sites to this Site. Third-party websites are not under our control. We cannot guarantee the reliability or accuracy of the information on third-party websites, even if a representative from our company leaves a comment or is quoted. We do not assume responsibility for any content or online services provided by third-party sites. Statements made on third-party Websites linked to or from this Site reflect only the views of their authors and not http://dimebucks.net.
Unless otherwise outlined in a written agreement between you and http://dimebucks.net, you may link your Web site to the home page of our Site. [provided that you adhere to the following linking policy: (i) any link to http://dimebucks.net’s Site must be a text-only link and marked “http://dimebucks.net Site,” (ii) the appearance, position, and other aspects of the link may not be such as to damage or dilute the goodwill associated with http://dimebucks.net’s name, trademarks, and certification marks, (iii) the link must “point” to the URL http://dimebucks.net and not to other pages within our Site, (iv) the appearance, position and other attributes of the link may not create the false appearance that your organization or legal entity is sponsored by, affiliated with, or associated with http://dimebucks.net, (v) when selected by a user, the link must display the http://dimebucks.net Site on full-screen and not within a “frame” on the linking Site, and (vi) http://dimebucks.net reserves the right to revoke its consent to the link at any time and in its sole discretion.]
Violations or Additional Terms
http://dimebucks.net reserves all rights to pursue any remedy at law or equity for any violations of the Terms and Conditions statement. This includes suspending or blocking access to the Site. For more legal information on privacy policies, please refer to our Privacy Policy.
There is no waiver
DimeBucks.com’s failure to enforce these Terms and Conditions shall not be deemed a waiver of any rights under these Terms & Conditions. DimeBucks.com’s receipt of funds or reliance on our actions will not be considered a waiver of any portion of these Terms and Conditions. A specific written waiver signed by an authorized representative at http://dimebucks.net will have legal effect.
Severability
Any clause or provision in this Terms and Conditions Statement that is found to be illegal, invalid, or unenforceable under any law shall be removed. This will not affect the enforceability or validity of any other clauses or certain provisions.
Jurisdiction and Governing Law
These Terms and conditions and any disputes arising from or related to them and/or the Privacy Policy or this Site will be governed under U.S. federal law firm as well as the laws of Utah without regard to its conflict-of-law principles. Any dispute arising from these Terms and Conditions shall be settled in Utah County, Utah. This is the location of our headquarters. For any legal proceeding relating to the Site, you agree to submit the personal jurisdiction of the courts of Utah regardless of who initiated it.
This English-language Terms and Conditions statement is http://dimebucks.net’s official agreement with other users of this Site. This English-language document will control in the event of any inconsistency between the English-language Terms & Conditions statement and its translation to another language.
Modifications to the Agreement
http://dimebucks.net has the sole right to change, modify, or alter this entire agreement at its discretion. This Web site will notify you of any changes. For any changes to the Terms of Use or Additional Terms, please check this Web site periodically. Continued use of http://dimebucks.net will signify your acceptance of these changes and your other agreement to them without restriction, qualification, or change. You must immediately stop using this Site if the user accepts these changes.
Frequently Ask Questions
What is a payday loan?
A payday loan (sometimes referred to as a cash advance or a payday advance) is a small loan borrowed for a brief period of time, often until the borrower's next payday. These short-term loans feature high interest rates and need no collateral (unsecured loans). It is not advised to use payday loans for an extended period of time. The rates and terms of payday loans vary by state.
What exactly is a title loan?
A title loan (sometimes referred to as a title pawn or a car title loan) is a short-term loan where the vehicle title serves as collateral. Due to the fact that lenders of title loans do not verify borrowers' credit histories, these loans are popular among those with poor credit. Typically, title loans are taken out by borrowers who need cash quickly or have financial issues.
What are personal loans, both secured and unsecured?
Unsecured loans, such as payday loans or installment loans, are supported solely by the borrower's creditworthiness, as opposed to secured loans, which need collateral. Secured personal loans include car title loans and pawn loans, for example.
How much am I able to borrow?
State rules determine the maximum amount you can borrow as a short-term loan. In certain states, short-term loans (also known as payday loans) are prohibited, while in others they are permitted with a maximum loan amount. Visit our rates and terms page to get state-specific lending conditions. In addition to state legislation, additional factors may alter the conditions of your loan.
What is a monthly payment loan?
A personal loan that is repaid over time with a predetermined number of periodic payments or installments is known as an installment loan. Due to the lower APR, installment loans can be taken out over a longer term than payday loans. Installment loans are commonly seen as a preferable alternative to payday loans. Typically, installment loans are repaid in predetermined amounts that include both principal and interest.
What is Annual Percentage Rate?
The Annual Percentage Rate, or APR, is an annualized version of your interest rate. When picking between several types of loans, the APR assists in comparing the costs of each. The annual percentage rate (APR) for a loan may include costs, such as origination fees. Remember that while APR is essential, it is only one of several elements to consider when selecting a loan.
Can I request a payday loan with Less Than Perfect Credit?
Yes. Your credit score is not the only criteria taken into account when analyzing your loan request. However, a low credit score can result in higher interest rates and fewer lending possibilities. A title loan is a popular option for consumers with less than perfect credit because title loan lenders may not consider credit history.
What is a poor credit score?
Credit score ranges differ depending on the credit scoring algorithm employed and the credit bureau that generates the score. According to FICO, a credit score between 300 to 579 is poor or very poor. A satisfactory credit score ranges from 580 to 670. Credit scores are determined differently depending on the credit scoring model's parameters, such as payment history, amounts owing, length of credit history, etc.
Material Disclosure:
DimeBucks is a completely free non-binding financial referral service for lenders who are in a position to offer a range of $100 to $15,000. The lenders listed may not be able to offer amounts up to $15.000 but there's not a guarantee that you'll receive a loan from an individual, participating lender. The operator of this website is not a loan broker, lender or agent of any loan broker or lender and is not able to make any credit or loan credit decision. The website is not an offer or a solicitation to loan you money. We do not guarantee credit or loan credit approval, or any credit or credit amount as well as everything on this website should be considered as a commercial ad. Timelines for loan transfers and repayment terms differ between lenders, and faxing might be required. We are not in control of and are not accountable in the conduct of lenders, and we do not have access to all the conditions that apply to your loan. Only your lender is able to provide you with details about the terms of your loan as well as current rates and charges for renewal, payment and the consequences of late or missed payments. For more information, questions or concerns about your loan, get in touch with the lender you have chosen directly. We could sell all or a portion of your data for one or more lending institutions or other individuals You may also be approached by one or more lenders as well as other people. We don't endorse or charge for any product or service. There is no obligation to make use of our service in order to contact an individual lender, or request credit or any loan product, or take any loan from a participant lender. APR Disclosure: Some states have laws restricting what the APR (Annual Percentage Rate) that lenders can charge you. APRs vary between 4.99 percent to 1304%, and can vary according to the lender. The state in which you are borrowing from does not have any limiting laws, or loans made by a bank that is not subject to state laws (including off-shore and tribal lenders) could have a greater APR. The Annual Percentage Rate (APR) is the rate at which your loan is charged interest. It is calculated based on the amount, cost , and duration of your loan, as well as the repayment amount and payment timing. The operator of the website does not attempt to connect you to a lender that has rates that are the "best" or "most favorable" terms and rates for loans and doesn't know the terms of loan that are offered from the Lender and is not aware of the identity of any lenders who accept applications. The lenders are legally obliged to provide you with the APR as well as other terms for your loan prior to signing the loan agreement. Credit Effects. The website's operator doesn't make any credit decision. The lenders you are connected to, whether they are participating or independent, you might be associated with could conduct credit checks through credit reporting agencies or get consumer reports, usually by utilizing alternative providers to evaluate credit quality, credit standing and/or credit capacity. When you submit your personal information you consent to allow lenders participating in the program to confirm your identity and verify your credit. You should seek advice from a professional about your financial requirements. The late payment of loans can result in additional fees , collections activities, or both, that could adversely impact the credit score. Every lender has its specific terms and conditions, be sure to read their policies for more details. Failure to pay credit can result in collection actions that could negatively impact the credit score. Each lender has their own renewal policythat could differ from lender to the lender. Review the policy of renewal for your lender. Exclusions. The services provided by this website may not exist in all state. The states that are covered by this site may alter from time-to-time without prior notice. NOTICE THIS IS AN EXPENSIVE FORM OF CREDIT. A SHORT TERM LOAN SHOULD BE USED FOR SHORT-TERM FINANCIAL NEEDS ONLY, NOT AS A LONGTERM FINANCIAL SOLUTION. CUSTOMERS WITH CREDIT DIFFICULTIES SHOULD SEEK CREDIT COUNSELING OR MEET WITH A NONPROFIT FINANCIAL COUNSELING SERVICE IN THEIR COMMUNITY.
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