Terms of Use
These Terms of Use ("Terms") govern your access to and use of the websites, forms, and services operated by First Mover, LLC DBA Friendly Loans ("Friendly Loans," "we," "us," or "our"). By using our services, you agree to these Terms.
Eligibility
You must be at least 18 years old and able to form a binding contract to use this service. You agree that any information you provide is accurate and complete.
How the Service Works
When you submit a request, we may transmit the information you provide to marketplace partners, lenders, brokers, marketers, and other independent providers ("Partners") who may contact you about products or services. Partners are responsible for their own products, rates, terms, and disclosures.
No Financial Advice
We do not provide financial, credit, legal, or tax advice. You should evaluate any offer directly with the provider and consult professionals if needed.
Communications and Consent
By providing your contact information, you authorize Friendly Loans and Partners to contact you at the phone number and email address you provide. If you opt in, you consent to receive calls and/or texts, including autodialed or prerecorded messages, related to your request. Consent is not required to purchase.
You can opt out of marketing emails using unsubscribe links. For SMS, you can reply STOP to cancel and HELP for help. Message and data rates may apply.
Website Technologies and Consent to Monitoring
Our websites and forms use technologies that record and analyze your interaction with them. These include form certification and session recording services operated by our vendors, analytics tools, advertising and conversion measurement tags, cookies, and similar technologies. Depending on the tool, these may capture information such as pages viewed, the sequence and timing of your interactions, mouse movement and keystroke activity within our forms, the information you enter into our forms, your IP address, device and browser characteristics, and referring URLs. Some of these technologies are operated by third parties who receive this information directly and may use it in accordance with their own privacy policies.
We use these technologies to document consumer consent, to verify the origin and integrity of the requests we receive, to detect fraud and abuse, to measure and improve our service, and to measure advertising performance.
By using our websites and forms, you expressly consent to this recording, capture, monitoring, and analysis by us and by our vendors and partners, and you authorize us to disclose the resulting records to our Partners, to third parties who request verification of your consent, and as otherwise described in our Privacy Policy. This consent is given for purposes including, without limitation, the California Invasion of Privacy Act (California Penal Code sections 630 through 638.55) and any comparable federal or state law. Our Privacy Policy describes the categories of information collected and your rights, including your right to opt out of the sale or sharing of personal information.
Third-Party Websites
Our services may contain links to third-party websites or redirect you to third parties. We do not control third-party websites and are not responsible for their content, privacy practices, or services. Your use of third-party services is at your own risk.
Prohibited Uses
- Providing false or misleading information
- Interfering with or attempting to disrupt site security or functionality
- Using automated means to access the service without permission
- Violating applicable laws or regulations
Disclaimer of Warranties
The service is provided on an "as is" and "as available" basis. We disclaim all warranties to the fullest extent permitted by law, including implied warranties of merchantability, fitness for a particular purpose, and non-infringement.
Limitation of Liability
To the fullest extent permitted by law, Friendly Loans will not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits, revenues, data, or goodwill, arising from or related to your use of the service.
Indemnification
You agree to indemnify and hold harmless Friendly Loans and its affiliates, officers, directors, employees, and agents from any claims, liabilities, damages, losses, and expenses (including reasonable attorneys' fees) arising from your use of the service or violation of these Terms.
Dispute Resolution, Binding Arbitration, and Class Action Waiver
Agreement to arbitrate. You and Friendly Loans agree that any dispute, claim, or controversy arising out of or relating to these Terms, our websites, our forms, the technologies described above, or any information we collect, transmit, or disclose, whether based in contract, tort, statute, fraud, or any other legal theory, will be resolved exclusively by final and binding individual arbitration rather than in court. This includes disputes that arose before you accepted these Terms and disputes that arise after your use of the service ends.
Exceptions. Either party may bring an individual claim in small claims court if it qualifies. Either party may seek injunctive relief in court to protect intellectual property or to address unauthorized access to the service.
Rules and forum. The arbitration will be administered by the American Arbitration Association under its Consumer Arbitration Rules, as modified by these Terms. The arbitration will be conducted by a single arbitrator. Unless the parties agree otherwise, any in-person hearing will be held in the county of your residence, and telephonic or video hearings are permitted. The arbitrator has exclusive authority to resolve any dispute about the interpretation, applicability, enforceability, or formation of this arbitration agreement, except that a court decides whether the class action waiver below is enforceable.
Class action waiver. You and Friendly Loans agree that each may bring claims against the other only in an individual capacity, and not as a plaintiff or class member in any purported class, collective, consolidated, coordinated, private attorney general, or representative proceeding. The arbitrator may not consolidate the claims of more than one person and may not preside over any form of representative or class proceeding. If this class action waiver is found unenforceable as to a particular claim or request for relief, that claim or request will be severed and litigated in court, and all remaining claims will proceed in arbitration.
Coordinated filings. If twenty-five or more similar arbitration demands are filed against Friendly Loans by or with the assistance of the same law firm or coordinated group within a ninety-day period, the parties agree the demands will be administered in staged batches of no more than fifty at a time, with the results of each batch informing resolution of the remainder. Filing and arbitration fees for later batches are not incurred until the earlier batches conclude.
Your right to opt out. You may reject this arbitration agreement and class action waiver by sending written notice to First Mover, LLC DBA Friendly Loans, 2108 N St, Ste C, Sacramento, CA 95816, or to support@friendly.loans, within thirty days of the date you first accept these Terms. Your notice must include your name, the email address and phone number you provided, and a clear statement that you reject arbitration. Opting out will not affect your use of the service.
Governing law and venue. These Terms and any dispute between you and Friendly Loans are governed by the laws of the State of California, without regard to its conflict of laws rules, except that the Federal Arbitration Act governs the interpretation and enforcement of the arbitration agreement above. Where a claim proceeds in court notwithstanding this section, the parties consent to exclusive jurisdiction and venue in the state and federal courts located in Los Angeles County, California.
Survival. This section survives termination of these Terms and your use of the service.
Changes
We may modify these Terms at any time. Changes will be effective when posted with an updated "Last Updated" date. Your continued use of the service after changes means you accept the updated Terms.