Terms & Conditions

IMPORTANT: MyCityTitleLoans.com (hereinafter “MyCity”) collects the information you provide on this website and subsequent forms to match you with a personal loan lender based on your financial needs. Please note that while we are able to help many people achieve approval, we are not able to help everyone and we do not guarantee approval.

Once matched with a lender, it is possible that said lender will need to collect additional information from you, including your SSN. If you provide additional identifiable information to lenders, they may do either a soft or hard inquiry into your credit to complete your formal loan application.

If you submit an application for a loan request that requires a credit check in order for funding to be accomplished, you are providing written consent under the Fair Credit Reporting Act for MyCity and its lenders with whom you are matched to obtain consumer report information from your credit profile or other information from our contracted Credit Bureau. You understand and agree that you are applying for credit, and are consenting to the use of your consumer report information by MyCity and its lenders to conduct anti-fraud security checks and evaluate your application for credit. You understand that your application may be matched with multiple lenders, each of whom may obtain consumer report information from your credit profile.

Prospective lenders will evaluate your application information to determine whether they can offer you a personal loan. MyCity does not guarantee that it will be able to place you with a lender in its direct network or that your loan application will be approved by any lender. Each lender will make its own approval decision, based on the specific criteria applicable to the loan program for which you have applied.

The operator of this website is not a lender and does not make loan or credit decisions in connection with its loan matching service. Completion of this application in no way guarantees that you will be approved for a loan. This site will attempt to match you with a personal loan lender based on your financial needs. This service is not available in all states and the states serviced by this Website may change from time to time and without notice.

Loan amounts and terms vary by lenders and state laws.

DISCLAIMER OF WARRANTIES

THIS SITE IS PROVIDED BY MYCITY “AS IS.” MYCITY MAKES NO REPRESENTATIONS OR WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, AS TO THE OPERATION OF THE SITE. TO THE FULL EXTENT PERMISSIBLE BY APPLICABLE LAW, MYCITY DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED INCLUDING, BUT NOT LIMITED TO, IMPLIED WARRANTIES OF MERCHANTABILITY, NONINFRINGEMENT, AND FITNESS FOR A PARTICULAR PURPOSE. BY USING THE SITE, YOU ACKNOWLEDGE THAT YOUR USE OF THE SITE IS AT YOUR SOLE RISK, THAT YOU ASSUME FULL RESPONSIBILITY FOR ALL COSTS ASSOCIATED WITH ALL NECESSARY SERVICING OR REPAIRS OF ANY EQUIPMENT YOU USE IN CONNECTION WITH YOUR USE OF THE SITE, AND THAT MYCITY DOES NOT WARRANT THAT THIS SITE, ITS SERVERS OR EMAIL SENT FROM MYCITY ARE FREE FROM VIRUSES OR OTHER HARMFUL COMPONENTS.

LIMITATION OF LIABILITY

MYCITY WILL NOT BE LIABLE FOR ANY DAMAGES OF ANY KIND ARISING FROM THE USE OF THIS SITE INCLUDING, BUT NOT LIMITED TO, DIRECT, INDIRECT, INCIDENTAL, PUNITIVE, AND CONSEQUENTIAL DAMAGES. CERTAIN STATES DO NOT ALLOW LIMITATIONS ON IMPLIED WARRANTIES OR THE EXCLUSION OR LIMITATION OF CERTAIN DAMAGES. IF THESE LAWS APPLY TO YOU, SOME OR ALL OF THE ABOVE DISCLAIMERS, EXCLUSIONS, OR LIMITATIONS MAY NOT APPLY TO YOU, AND YOU MIGHT HAVE ADDITIONAL RIGHTS.

MODIFICATION

MyCity may from time to time change the rules that govern your use of our Site. Your use of our Site following any such change constitutes your agreement to follow and be bound by the rules as changed. From time to time, we also may change, move or delete portions of, or may add to or discontinue, temporarily or permanently, our Site and/or any of these Terms, with or without notice. We reserve the right to make changes to our Site and/or any of these Terms at any time. MyCity will not be liable to you or to any third party for any modification, suspension, or discontinuance of our Site and/or any of these Terms.

SITE ACCESS

You may only use the Site if you live in the United States and are at least 18 years old. We reserve the right, for any reason, in our sole discretion, to terminate, change, suspend or discontinue any aspect of the Site. We may also impose limits on certain features of the Site or restrict your access to part of or the entire Site, without notice or penalty. MyCity does not charge users for use of the Site, and does not charge any fee to users upon successful completion of a personal loan.

CONSENT TO CONTACT

During your use of the Site, you may be asked to provide information or materials to us (“User Data”). User Data includes information you submit with a loan application. Our information collection and use practices with respect to User Data are set forth in our Privacy Policy which is incorporated herein by reference for all purposes. Please read our Privacy Policy before submitting any User Data. You acknowledge and agree that you are solely responsible for the accuracy and content of the User Data. We cannot be responsible for maintaining any User Data that you provide to us, and we may delete or destroy any such User Data at any time. We reserve the right to refuse to post or to remove any User Data, in whole or in part, that, in our sole discretion, is unlawful, unacceptable, undesirable, inappropriate or in violation of these Terms and Conditions. By providing your contact information to us through the Site, you are registering to receive electronic communications from us directly, on our website or through a third party. You also agree that all agreements, notices, disclosures, and other communications that we provide to you electronically satisfy any legal requirement that such communications be in writing.
By choosing to apply for a loan product through the Site, you consent to be contacted by the lenders in our network via email or telephone. Once your information is submitted to these lenders, any request to opt-out or unsubscribe from their communications must be directed to them.

You hereby authorize the third-party lender you are matched with to share among its affiliates, loan servicers, and bank partners any transaction history related to your financial products or services received or serviced through the third-party lender for the purpose of evaluating you for credit.

APPLICABLE LAWS AND JURISDICTION

This Site and these Terms and Conditions are governed by the laws of the State of California without giving effect to any principles of conflict of laws. If any provision of these Terms and Conditions shall be held to be invalid, illegal or unenforceable, the remaining provisions shall not in any way be affected or impaired thereby.

INDEMNIFICATION

You agree to defend, indemnify and hold MyCity harmless from and against any and all claims, damages, costs and expenses, including attorneys’ fees, arising from or related to your use of the Site and/or your violation of any of these Terms.

DISPUTE RESOLUTION

Agreement on Dispute Resolution: In consideration of the mutual promises set forth herein and for other good and valuable consideration, the receipt and sufficiency of which is hereby acknowledged, you and MyCity agree that any controversy, claim, or dispute arising out of, relating to, or in regard to the use of this Site, or a breach of any of the Terms (individually and collectively referred to herein as a “Dispute”), shall be resolved solely and exclusively in accordance with the terms of this Dispute Resolution Agreement. You should review this Dispute Resolution Agreement carefully.

No Lawsuits Except for Small Claims Court Action and No Class Actions: In the event of a Dispute, except for the limited proceedings identified in and permitted by this Dispute Resolution Agreement, you agree that you will not file or participate in any lawsuit or other proceeding brought against MyCity, whether on an individual basis or as a class action, including any class arbitration or other proceeding brought in a purported representative capacity on behalf of the general public or other persons similarly situated.

Informal Dispute Resolution Requirements: You and MyCity agree to attempt to informally resolve any Dispute in accordance with these Informal Dispute Resolution Requirements. Before you commence an arbitration proceeding (“Arbitration”) against MyCity or exercise your Small Claims Court option as described herein, you agree to try to resolve the Dispute informally by contacting us by email at service@mycitytitleloans.com. We will then communicate with you by telephone or email to try to resolve the Dispute. If the Dispute has not been resolved to your satisfaction within 30 days of the date you first contact us (“the Dispute Resolution Period”), at the expiration of Dispute Resolution Period, you may exercise your Small Claims Court option for a period of 30 days thereafter or commence Arbitration as set forth below. If the dispute has not been resolved to MyCity’s satisfaction by the end of the Dispute Resolution Period and you do not exercise your Small Claims Court option within 30 days thereafter, MyCity may commence arbitration.

Your Right to File an Action in Small Claims Court in  California: For all Disputes that fall within the dollar limits of Small Claims Court in in the California county in which you reside, you and MyCity agree you have the right to resolve that Dispute by filing an action against us in Small Claims Court in that county within 30 days of the expiration of the Dispute Resolution Period and pursuing that action to judgment in lieu of participating in Arbitration as described below.

Arbitration Requirements and Waiver of Right to Court Action and Jury Trial: If you and MyCity are unable to resolve the Dispute through the Informal Dispute Resolution Requirements set forth above and the time set forth above for you to file an action in Small Claims Court has expired, the Dispute shall be shall be resolved solely and exclusively through individual (non-class) binding arbitration before one arbitrator. The arbitration shall be commenced and conducted by the American Arbitration Association in accordance with the Commercial Arbitration Rules including Supplementary Procedures for Consumer-Related Disputes (“AAA Arbitration Rules”) except in any instance in which the AAA Arbitration Rules conflict with this Dispute Resolution Agreement, in which case this Dispute Resolution Agreement shall control. You and we further agree that either of us may commence Arbitration, the arbitrator shall be appointed as provided in the AAA Arbitration Rules, and judgment on the award rendered by the arbitrator may be entered in any court having jurisdiction thereof. This clause shall not preclude any party from seeking provisional remedies in aid of arbitration from a court of appropriate jurisdiction. You and MyCity waive any rights to use any other available procedures, including a court action, to resolve any Dispute, and waive any right to a jury trial for any Dispute.

Discovery; Arbitration Location; Arbitration Fees; Authority of Arbitrator: Consistent with the expedited nature of arbitration, each party will, within forty-five (45) days of the written request of the other party, provide the other party with copies of documents on which the producing party may rely in support of or in opposition to any claim or defense. Any dispute regarding discovery, or the relevance or scope thereof, shall be determined by the arbitrator, which determination shall be conclusive. The place of the arbitration shall be in Los Angeles County, CA, unless the parties agree otherwise in writing. The arbitrator shall determine the scope and enforceability of this agreement to arbitrate, including whether a Dispute is subject to arbitration. The arbitrator has the authority to decide all issues of arbitrability, including where a party raises a defense to arbitration. The arbitrator may determine how the costs and expenses of the arbitration shall be allocated between the parties, but attorney’s fees shall not be awarded or considered a cost or expense of the arbitration. The arbitrator shall have no right or authority to award attorney’s fees or any exemplary or punitive damages.

Applicability of Federal Arbitration Act: This Arbitration Agreement is made pursuant to a transaction involving interstate commerce and you and MyCity agree that the Federal Arbitration Act (FAA), 9 U.S.C. §§ 1-16 shall apply to its construction, interpretation, enforceability and enforcement.

 

LICENSE

Unless otherwise specified, this Site and the Contents thereof are displayed solely for the purpose of promoting and selling MyCity products and services available in the United States. MyCity grants you a limited, royalty free license (the “License”) to access and make personal use of this Site pursuant to the Terms stated herein. This License does not include any:

 

You may not frame or utilize framing techniques to enclose any trademark, logo, or other proprietary information of MyCity without its prior express written consent. You may not use any metatags or any other hidden text utilizing the MyCity name or trademarks without its prior express written consent. Any unauthorized use terminates the License granted by MyCity. You are granted a limited, revocable, and nonexclusive License to create a hyperlink to the home page of MyCity so long as the link does not portray MyCity or its product or services in a false, misleading, derogatory, or otherwise offensive manner. You may not use any MyCity logo or other proprietary graphic or trademark as part of the link without its prior express written consent. You may not upload to, distribute, or otherwise publish through this Site any Content, information, or other material that (a) violates or infringes the copyrights, patents, trademarks, service marks, trade secrets, or other proprietary rights of any person; (b) is libelous, threatening, defamatory, obscene, indecent, pornographic, or could give rise to any civil or criminal liability under U.S. or international law; or (c) includes any bugs, viruses, worms, trap doors, Trojan horses or other harmful code or properties. Except as expressly provided above, nothing contained herein shall be construed as conferring any license or right under any copyright or other intellectual property right.

NOTICES OR COMMUNICATIONS

Notices or communications required or permitted by this Agreement shall be deemed given upon receipt of the emailed version thereof. Notices or communications to MyCity shall be emailed to service@mycitytitleloans.com. Notices or communications to you shall be emailed to the email address you provide to us.

TERMINATION

This Agreement is effective unless and until terminated by MyCity. MyCity may terminate this Agreement at any time and may do so immediately without notice, and may deny you access to the Site if, in its sole discretion, you fail to comply with any Term of this Agreement. Upon any termination of this Agreement by MyCity, you must promptly destroy and cease all use of all copies of all Content and other materials downloaded or otherwise obtained from this Site.

DISCLOSURE: MyCityTitleLoans.com (“MyCity”) is not a lender in any transaction and does not make loans, loan commitments or lock-rates. All credit decisions, including the conditional rates and terms you are offered, are the responsibility of the participating lenders and will vary based upon your loan request, your particular financial situation, and criteria determined by the lenders to whom you are matched. Not all consumers will qualify for the advertised rates and terms. Any inquiry will be forwarded to third-party Lenders or Brokers who may make certain disclosures to you. These disclosures will be delivered to you by the Lender you select to proceed with for your loan needs