At ERL Group, LLC, operating under the name Emerald Ridge Loans, we take pride in offering our clients the lending assistance they require. By accessing our website, we kindly request that you adhere to the following terms and conditions.
By accessing this website (the "Site"), you inherently agree to the terms and conditions outlined herein. Please take a moment to review them, and if you do not concur, we kindly ask that you refrain from using our website. For those who choose to utilize our site, we trust you will find it to be an informative resource. Additionally, we retain the right to implement any modifications to our website that we deem necessary at any given time. Your ongoing use of our site signifies your acceptance of any changes made. With that said, the lending solution professionals at our office hope you find this site beneficial.
Updates to the terms of use
We reserve the right to update the Terms of Use periodically. In the event of any changes, we will post the revised Terms of Use on the Site and specify the date of the last revision at the top of this page. Your continued use of the Service or the Site following any modifications indicates your acceptance of the updated Terms of Use.
CALL RECORDING
You consent to Emerald Ridge Loans , its agents, representatives, affiliates, or anyone calling on our behalf to contact you on a recorded line.
Terms for All Users: Qualification, Authorization, and Representation
ELIGIBILITY: GENERAL
This website is intended solely for users who, if they are natural persons, are eighteen (18) years of age or older. Any registration, use of, or access to the site by any natural person under 18 is unauthorized, unlicensed, and in violation of these Terms of Use. By using the Service or the Site, you affirm and warrant that, if you are a natural person, you are 18 years of age or older and agree to abide by all terms and conditions of the Terms of Use. Violation of any of these Terms of Use or any agreement between you and us may result in the Company prohibiting you from using or accessing our Service or our Site (or any portion thereof) at any time, with or without notice, at its sole discretion, including if it believes that you are under 18.
Limitation per Household
Each borrower may have only one active loan outstanding at any given time.
INACTIVE APPLICATIONS
Loan applications are automatically canceled if there has been no activity for 14 consecutive days.
USER REPRESENTATION
You affirm, warrant, and undertake that no materials of any kind submitted to or otherwise posted or shared by you through the Emerald Ridge Loans will violate or infringe upon the rights of any third party, including copyright, trademark, privacy, publicity, or other personal or proprietary rights. Furthermore, you agree not to include libelous, defamatory, or otherwise unlawful material. You also agree not to harvest or collect email addresses or other contact information of users from the Service or the Site by electronic or other means for the purpose of sending unsolicited emails or other communications. Additionally, you pledge not to use automated scripts to collect information from the Service or the Site for any other purpose. Moreover, you acknowledge that you may not utilize the Service or the Site in any unlawful manner or in any other manner that could damage, disable, overburden, or impair the Site. Additionally, you agree not to use our Services or the Site to:
You agree not to upload, post, transmit, share, store, or otherwise make available any content that we consider to be harmful, threatening, unlawful,
Unless authorized by the Company, you agree not to:
- Register for more than one User account,
- Register for a User account on behalf of an individual other than yourself,
- Operate a User account on behalf of or for the benefit of any person who is not eligible to register for or operate a User,
- Register for a User account on behalf of any group or entity (except for approved investment accounts opened on behalf of legal entities or accounts opened for participating in our Small Business lending program).account in their own name,
You agree not to impersonate any person or entity, or falsely state or otherwise misrepresent yourself, your age, or your affiliation with or authority to act on behalf of any person or entity. You agree not to upload, post, transmit, share, or otherwise make available any unsolicited or unauthorized advertising, solicitations, promotional materials, "junk mail," "spam," "chain letters," "pyramid schemes," or any other form of solicitation.
It seems like you're referring to a prohibition against soliciting personal information from individuals under 18 or soliciting passwords or personally identifying information for commercial or unlawful purposes. Is there anything specific you'd like to discuss or inquire about regarding this topic? It sounds like you're referring to a prohibition against uploading, posting, transmitting, sharing, or making available any material that contains software viruses or other harmful computer code. This is a common clause in many terms of service agreements or website policies aimed at protecting users from malicious software or cyber threats. Is there anything else you'd like to discuss regarding this topic?
These clauses outline several important prohibitions within a user agreement or terms of service:
1. Intimidating or Harassing Behavior:
Users are prohibited from engaging in any behavior that intimidates or harasses other users. This is important for maintaining a safe and respectful online environment.
2. Illegal or Harmful Content:
Users are not allowed to upload, post, transmit, share, or store any content that would encourage or instruct others to commit a criminal offense, violate the rights of any party, or otherwise create liability or violate any laws.
3. Unauthorized Use of Accounts or False Identities:
Users should not attempt to use another person's account, service, or system without proper authorization. Additionally, creating a false identity on the platform is not allowed.
4. Content Judged as Objectionable:
The company reserves the right to judge and remove any content that they deem objectionable. This could include content that restricts or inhibits others from using or enjoying the platform or content that may expose the company or its users to harm or liability.
These clauses are typical in user agreements to maintain a safe, lawful, and enjoyable environment for all users. They help protect the rights and safety of individuals using the service or platform. Is there anything else you'd like to know about these clauses?
Usage Limitations for Our Online Materials
Restrictions on the Use of Our Online Materials:
All content available on the Emerald Ridge Loans website, including but not limited to text, software, names, logos, trademarks, service marks, trade names, images, photos, illustrations, audio clips, video clips, and music, are protected by copyright and other intellectual property laws. Emerald Ridge Loans owns and controls all usage rights pertaining to these materials.
As a visitor to our site, you may download online materials for personal, non-commercial use only, provided you adhere to the following conditions:
1. Retain all copyright, trademark, and proprietary notices.
2. Make no modifications to the materials.
3. Do not use the materials in a manner that implies association with any of our products, services, events, or brands.
4. Do not download quantities of materials to a database, server, or personal computer for reuse for commercial purposes.
You are prohibited from copying, reproducing, republishing, uploading, posting, transmitting, or distributing online materials for any other purpose without obtaining our written permission beforehand. Additionally, you may not add, delete, distort, or misrepresent any content on the Emerald Ridge Loans website.
Any attempts to modify online materials or to circumvent our security features are strictly prohibited.
Here's a rewrite:
Any software, files, images, and data that you download from Emerald Ridge Loans, as well as any materials generated by the software, are licensed to you by Emerald Ridge Loans or third-party licensors for personal, non-commercial home use only. Ownership of the software and its associated intellectual property rights remains with Emerald Ridge Loans; title to the software is not transferred to you.
You are prohibited from redistributing or selling the material, or from reverse-engineering, disassembling, or otherwise converting it into any other usable form.
Consent to Electronic Transactions and Disclosures by All Users
Given that our company primarily operates online, your consent to conduct business with us electronically is necessary. This includes consenting to receive certain disclosures electronically, either through our website or to the email address you provide. By agreeing to our Terms of Use, you are consenting to receive all documents, communications, notices, contracts, and agreements electronically, related to your use of our website and services, including any loans you may request or receive, your registration as a borrower, any loans you apply for and receive, your use of our services, and the servicing of your loan if funded, whether we are acting as a loan broker or otherwise. The decision to conduct business with us electronically is entirely yours. This document outlines your rights regarding these disclosures.
Any disclosures will be delivered to you electronically through our website or via email to the verified email address you provided. If you need paper copies of these disclosures, you can request them by writing to us at the mailing address provided below. Please note that a fee of up to $5.00 may apply for each paper copy requested. Requesting a paper copy of a disclosure will not be considered a withdrawal of your consent to receive disclosures electronically. We reserve the right to discontinue electronic provision of disclosures in accordance with applicable federal and state record retention laws.
Your consent to receive disclosures and transact business electronically, as well as our agreement to do so, applies to any transactions to which such disclosures relate, whether between you and the company. Your consent will remain in effect for as long as you are a user and, if you are no longer a user, will continue until all disclosures relevant to transactions that occurred while you were a user have been provided.
Consenting to Electronic Business Transactions
Before opting for electronic transactions with the Company, please ensure you have the necessary hardware and software capabilities as described below.
"To access and retain disclosures electronically, you must meet the following computer hardware and software requirements: access to the Internet; an email account and software capable of receiving email through the Internet; supported web browsing software (such as Chrome version 32.0 or higher, Firefox version 26 or higher, Internet Explorer version 8.0 or higher, or Safari version 7.0 or higher); and hardware capable of running this software."
"I hereby expressly consent to receiving calls and messages, including auto-dialed and pre-recorded message calls, as well as SMS messages (including text messages), from Emerald Ridge Loans, our affiliates, agents, and others calling at their request or on their behalf, at any telephone numbers that I have provided or may provide in the future, including any cellular telephone numbers. I understand that my cellular or mobile telephone provider will charge me according to the type of plan I carry."
Additional Requirements for Mobile Technology
If you are accessing our site and the disclosures electronically via a mobile device (such as a smartphone, tablet, etc.), in addition to the above requirements, you must ensure that you have software on your mobile device that allows you to print and save the disclosures presented to you during the application process. These applications can typically be found for most mobile devices in the device's respective 'app store'. If you do not have these capabilities on your mobile device, please access our site through a device that provides these capabilities.
You may withdraw your consent to receive disclosures electronically by contacting us at the address below. However, please note that once you have withdrawn your consent, you will not be able to submit loan requests on our site. If you have a pending loan request on our site, we will terminate it and remove it from our system. If you have already received a loan, all previously agreed-to terms and conditions will remain in effect, and we will send disclosures to your verified home address provided during registration.
You can contact us at:
Emerald Ridge Loans LLC
Phone: 833-597-7724
As an individual user, it is your responsibility to keep us informed of any changes in your email or home mailing address to ensure the timely receipt of all disclosures. If your registered email address changes, you must notify us. Additionally, you agree to update your registered residence address and telephone number on the site if they change.
Please print a copy of this agreement for your records. By accessing, receiving, and retaining all disclosures electronically sent via email or posted on the site, you agree and acknowledge your ability to do so.
Limitation of Liability
Emerald Ridge Loans, LLC will not be liable for any damages or injury resulting from your use of any of its sites. These include (but are not limited to)
damages or injury caused by:
- Use of (or inability to use) the site.
- Use of (or inability to use) any site to which you hyperlink from our site.
- Failure of our site to perform in the manner you expected or desired.
- Error or omission on our site- Interruption of availability of our site.
- Defect on our site- Delay in operation or transmission of our site.
- Computer virus or line failure.
Please note that we are not liable for any damages, including:
- Damages intended to compensate someone directly for a loss or injury.
- Damages reasonably expected to result from a loss or injury (known as 'consequential damages').
- Other miscellaneous damages and expenses resulting directly from a loss or injury (known as 'incidental damages').
We are not liable even if we've been negligent or if our authorized representative has been advised of the possibility of such damages, or both.
Certain state laws may not allow us to limit or exclude liability for these 'incidental' or 'consequential' damages. If you live in one of those states, the above limitations do not apply.
Please review the site's Privacy Policy. By using the site or the service, you are consenting to have your personal data transferred to and processed in the United States.
This agreement is effective until terminated by either party. You may terminate this agreement at any time by destroying all materials obtained from the Emerald Ridge Loans site, along with all related documentation and copies and installations. Emerald Ridge Loans may terminate this agreement at any time and without notice to you if, in its sole judgment, you breach any term or condition of this agreement. Upon termination, you must destroy all materials. Additionally, by providing material on our website, we do not promise that the materials will remain available to you. Emerald Ridge Loans is entitled to terminate all or any part of its website without notice to you."
"We sometimes provide referrals to and links to other World Wide Web sites from our site. Such a link should not be seen as an endorsement, approval, or agreement with any information or resources offered at sites you can access through our site. If in doubt, always check the Uniform Resource Locator (URL) address provided in your internet browser to see if you are still on a Emerald Ridge Loans-operated site or have moved to another site. Emerald Ridge Loans is not responsible for the content or practices of third-party sites that may be linked to our site. When Emerald Ridge Loans provides links or references to other websites, no inference or assumption should be made, and no representation should be inferred that Emerald Ridge Loans is connected with, operates, or controls these websites. Any approved link must not represent in any way, either explicitly or by implication, that you have received the endorsement, sponsorship, or support of any Emerald Ridge Loans site or endorsement, sponsorship, or support of Emerald Ridge Loans, including its respective employees, agents, or directors.
If you use our site from locations outside of the United States, you are responsible for compliance with any applicable local laws. These Terms of Use shall be governed by, construed, and enforced in accordance with the laws of the State of California, as applied to agreements entered into and to be performed entirely within such jurisdiction. To the extent you have in any manner violated or threatened to violate Emerald Ridge Loans and/or its affiliates' intellectual property rights ,Emerald Ridge Loans and/or its affiliates may seek injunctive or other appropriate relief in any state or federal court in the State of California, and you consent to exclusive jurisdiction and venue in such courts.
You agree to indemnify and hold the Company, its subsidiaries and affiliates, and each of their directors, officers, agents, contractors, partners, and employees, harmless from and against any loss, liability, claim, demand, damages, costs, and expenses, including reasonable attorney's fees, arising out of or in connection with your User Content, any Third Party Content you post or share on or through the Site, your use of the Service or the Site, your conduct in connection with the Service or the Site or with other Users of the Service or the Site, or any violation of these Terms of Use or of any law or the rights of any third party. The previous sentence shall not apply to any extent to Users while acting as an investor member or while registering as an investor member in connection with their (i) posting of User Content or (ii) use of the Site or Service.
If a dispute arises under this agreement, we agree to first try to resolve it with the help of a mutually agreed-upon mediator in the following location: Orange County, CA. Any costs and fees other than attorney fees associated with the mediation will be shared equally by each of us.
If it proves impossible to arrive at a mutually satisfactory solution through mediation, we agree to submit the dispute to binding arbitration at the following location: Orange County, CA, under the rules of the American Arbitration Association. Judgment upon the award rendered by the arbitration may be entered in any court with jurisdiction to do so.
Emerald Ridge Loans may modify these Terms of Use, and the agreement they create, at any time, simply by updating this posting and without notice to you. This is the entire agreement regarding all the matters that have been discussed."
The Company's failure to exercise or enforce any right or provision of these Terms of Use shall not be construed as a waiver of such right or provision, whether in that instance or any other. Should any provision of these Terms of Use be deemed invalid, the remainder of these Terms of Use shall remain fully enforceable. In the event that any provision of these Terms of Use is considered unlawful, void, or unenforceable for any reason, such provision shall be deemed severable from these Terms of Use, and the validity and enforceability of the remaining provisions shall not be affected.
