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<a href="#resp_lending_and_marketing" id="iagree-resp_lending_and_marketing" class="agree_box-by_id">Responsible Lending and Marketing Policy</a>, and <a href="#fine_print" id="iagree-fine_print" class="agree_box-by_id">Legal Disclaimers</a>.
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<p style="text-align:center;"><strong>Https://submt.ai’s Consent for Electronic Signatures, Records, and Disclosures (“E-Consent”)</strong></p>
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<p><strong>Introduction </strong></p>
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<p>You are submitting a request to be matched with one of our third party lenders. To offer you a loan, one or more of the third party lenders in our network of lenders need your consent to use and accept electronic signatures, records, legal disclosures, and other communications (“E-Consent”). Https://submt.ai makes no representations as to what, if any, communications you may receive from your lender.</p>
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<p>This is intended to put you on notice of your rights when receiving disclosures, notices, and information. By clicking “I Consent,” or other links assenting to our terms, you acknowledge that you received this E-Consent and that you consent to conduct transactions using electronic signatures, electronic disclosures, electronic records, and electronic contractual documents (“Disclosures”).</p>
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<p><strong>OPTION FOR PAPER RECORDS/DISCLOSURES</strong></p>
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<p>If you would like to receive a paper copy of any Disclosures, please contact your third party lender directly. These Disclosures may be available to you by the third party lender. Please note, some lenders may charge a fee for sending you paper copies of Disclosures. The Lender will retain all Disclosures as the applicable law requires.</p>
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<p><strong>Scope of Consent</strong></p>
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<p>This E-Consent applies to all interactions online between and concerning you and the third party lender and includes interactions engaged in on any mobile device, including smart-phones, phones, and tablets. The third party lender, through this E-Consent, may process your information and interact during all online interactions with you electronically. You may also receive notices sent electronically from the lender related to your interactions and transactions with the third party lender. Disclosures may be provided online at the third party lender’s website(s).</p>
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<p><strong>Consenting to do Business Electronically and System Requirements</strong></p>
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<p>Prior to deciding whether or not to conduct business electronically with a third party lender, please first consider whether you have the hardware and software capabilities required to do so. To access, obtain, and retain Disclosures electronically, the following computer software and hardware are required: 1) A PC or MAC compatible computer or other device capable of accessing the Internet; 2) access to a working email account; and 3) an Internet Browser software program that can support at least 128 bit encryption (i.e. Firefox, Internet Explorer, Netscape, etc.); 4) you may need Adobe Acrobat Reader X® or Foxit® to read some PDF documents; and 5) a printer or long-term storage device (i.e. computer disk drive). Please direct any questions you may have regarding these hardware and software requirements directly to the third party lender.</p>
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<p><strong>Modification of Consent Terms</strong></p>
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<p>Https://submt.ai reserves the right to modify these terms and conditions at our discretion, without notice.</p>
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<p><strong>Withdrawing Your Consent</strong></p>
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<p>Your E-Consent for our lender-matching service and for our third party lenders’ consideration of your matching request cannot be withdrawn as it is a one-time transaction. Its legal effectiveness, validity, and enforceability will not be affected if you choose to withdraw this E-Consent. Upon being matched with one or more third party lenders, you may withdraw your E-Consent with any of those third party lenders at any time, and at no charge to you. Please note, if you withdraw your E-Consent prior to receiving a loan, you may be prevented from obtaining a loan from the lender.</p>
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<p><strong>Change of Contact Information</strong></p>
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<p>Please keep the third party lender up-to-date of any change(s) to your electronic address or mailing address. To update your information, you may log into the third party lender’s website or send the third party lender your updated information via mail.</p>
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<p><strong>Your Ability to Access Disclosures</strong></p>
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<p>BY CLICKING THE LINK OR “I CONSENT,” YOU ASSENT TO THE TERMS OF THIS DISCLOSURE. YOU ACKNOWLEDGE THAT YOU CAN ACCESS THE DISCLOSURES IN THE FORMATS DESIGNATED ABOVE.</p>
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<p><strong>Consent</strong></p>
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<p>BY CLICKING THE LINK OR “I CONSENT,” YOU ASSENT TO OUR TERMS. YOU ACKNOWLEDGE THAT YOU HAVE READ AND UNDERSTAND THIS INFORMATION ABOUT ELECTRONIC SIGNATURES, RECORDS, DISCLOSURES, AND DOING BUSINESS ELECTRONICALLY. YOU CONSENT TO USING ELECTRONIC SIGNATURES, HAVING ALL DISCLOSURES PROVIDED OR MADE AVAILABLE TO YOU ELECTRONICALLY, AND TO DOING BUSINESS WITH THE THIRD PARTY LENDER ELECTRONICALLY. YOU ACKNOWLEDGE THAT YOU MAY REQUEST A PAPER COPY OF THE ELECTRONIC RECORDS AND DISCLOSURES, TO BE PROVIDED TO YOU UPON REQUEST AT NO CHARGE. YOU ALSO ACKNOWLEDGE THAT YOUR CONSENT TO ELECTRONIC DISCLOSURES IS REQUIRED IN ORDER TO RECEIVE SERVICES FROM THIRD PARTY LENDERS OVER THE INTERNET. IF YOU DO NOT PROCEED, THEN YOU DO NOT WISH TO USE ELECTRONIC SIGNATURES OR CONDUCT THIS TRANSACTION ELECTRONICALLY.</p>
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<p style="text-align:center;"><strong>Privacy Policy</strong></p>
<br>
<p>This Privacy Policy was updated: November 19, 2024.</p>
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<p><strong>Privacy Policy</strong></p>
<br>
<p>This Privacy Policy (also referred to as “Policy”) applies to Https://submt.ai (also referred to as “Company” or “Site”). It notifies you (also “You” and/ or “Your”) about our services, how we collect, use, and share Your information. Your use of this Site and sharing Your personal information constitutes an agreement with these policies. Please read this Policy in full before using this Site. Use of this site constitutes the acknowledgement that You have read, understood, and agreed to this Policy. If you are not in agreement with this Site’s Policy and this Company’s terms and conditions, do not use this Site. Changes may be made to this Policy at any time.</p>
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<p><strong>Personal Information</strong></p>
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<p>By using this Site and its services, you are allowing the Site to collect “personally identifiable information” and “non-personally identifiable information” from You. These types of information are described below:</p>
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<p><strong>Personally Identifiable Information</strong></p>
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<p>Use of this Site requires You to provide certain “Personally Identifiable Information.” Your unique data allows for communication and identification. This information may include, but is not limited to your name, date of birth, telephone number, physical address, social security number, driver’s license number and state, email address, employment information, active military information, information about home ownership, citizenship status, frequency and amount of paychecks, and your banking information.</p>
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<p><strong>Non-Personally Identifiable Information</strong></p>
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<p>Use of this Site provides us with anonymous “Non-Personally Identifiable Information” which may include, but is not limited to, Internet Protocol address, Internet Service Provider, operating system type, and browser type. This information may be obtained directly through the use of “cookies” – data sent to Your computer when visiting a website. The disabling of cookies may prevent access to certain areas of this Site. This Company has no control over cookie technology. This information may be summarized and shared with third parties for the analysis of trends and statistics and is in no way linked to your Personally Identifiable Information.</p>
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<p><strong>How Information is Shared with Third Parties</strong></p>
<br>
<p>Use of this Site authorizes this Company to share the information that you provide with third parties and affiliates. Sharing of Your information with this Company gives us permission to share this information with our network of third party lenders. Third party lenders may use your information in one of several ways. It may be used to offer you a loan, offer other business services, or provide marketing information. Your information may also be shared with other third party list managers and marketers. These parties each have their own policies for collecting, using, and sharing your information. Once your information is shared, this Site is no longer responsible for their handling of your information.</p>
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<p>The Company reserves the right to share the information that you provide in response to a legal process, to prevent or remedy fraud, in the instance that this Company is sold, acquired, or undergoes bankruptcy, to make improvements to this Site, in the event that you violate our Policies and/ or Terms & Conditions, or when and where this Company deems it to be necessary to protect this Company’s rights and its assets.</p>
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<p>In addition, this Site may allow advertisements from third party lenders and other advertising partners. These companies may employ their own technologies (including “cookies”) to track and collect information regarding their advertisements. This Site does NOT provide personally identifiable information to these third party advertising partners.</p>
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<p><strong>How Information is Used</strong></p>
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<p>The information that You provide allows us to pair you with a participating third party lender in our network of lenders with whom we have a business relationship. This information also allows us to review or verify your request form, provide accurate customer service, communicate with you by mail, email, telephone, or mobile devices regarding our services (either our own or those of third parties), in the enforcement of our Policy and Terms & Conditions, or to do any other service described to you on this Site. Your Social Security number and bank information may also be used to verify Your identity in order to protect against fraud.</p>
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<p><strong>How Information is Secured</strong></p>
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<p>This Site uses a number of security measures to protect Your personal information from unauthorized retrieval, use, disclosure or destruction. This includes both digital and physical information. This Site uses SSL (Secure Socket Layer) encryption, stores personal information on secure servers, and utilizes password protection.</p>
<br>
<p>Although we take precautions to protect Your information, the storage or transmission of data cannot be guaranteed. As such, this Site cannot guarantee your data, either in storage or in transmission. Accessing this Site is done at Your own risk.</p>
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<p>If a security breach does occur which affects Your Personally Identifiable Information, you will be notified along with any responsible agencies as dictated by law. Notification may take place in the form of an email. This notification could be delayed by law enforcement in order to conduct an investigation and enact further security measures.</p>
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<p><strong>Links to Third Party Sites</strong></p>
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<p>This Site may have links to third party sites that this Company does not control and whose policies differ from those of this Company. This Site is not responsible for the practices, content, or policies of third party sites. By accessing third party sites, you are responsible for the information you provide as well as the content that you access. These sites may use your personal information differently than our use of the information that You submit to this Site. Please read each site’s Policies and Terms & Conditions.</p>
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<p><strong>Push Notifications</strong></p>
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<p>If you provide your consent, we may send push notifications to your web browser or mobile device. Push notifications may include marketing messages from us or from third-parties. You can alter your push notification settings at any time by changing the notification settings on your mobile device or browser.</p>
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<p><strong>Opt-In/Opt-Out of Communication</strong></p>
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<p>By submitting your information on this Site, you are opting-in to receiving communication contact from the Site and/or a trusted lender within our network of lenders. You may choose to “Opt Out” of sharing your personally identifiable information for certain purposes when it is requested on this Site. When completing the registration process, indicate your preference on this Site or by following a link provided in our email communications. This Site, our affiliate(s) and/or third parties may also promote product and service offerings to you via e-mail, SMS (text) message, by telephone, auto-dialer or pre-recorded messages to consumers who requested to be contacted either through our Site or through an Opt-In process on a third-party affiliate’s sites.</p>
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<p>You may remove your information from our database at any time. If you do not wish to receive future communications or if you no longer wish to receive our service, <a target="_blank" href="https://forms.storefrontloans.com/unsubscribe">click here</a>.</p>
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<p>Please be aware that your participation in certain activities provided by our Site may be limited if personally identifiable information is not submitted for the user. E-mail addresses and phone numbers received in an opt-out request will be added to our company’s Do-Not-Contact registry within ten (10) days after receipt. Unless you “unsubscribe” or opt-out, this Site assumes you consent to receiving communications from it and its third-party vendors and affiliates. It is possible that a third-party vendor or affiliate may have purchased your contact information and thus you may continue to receive contacts from those third-parties. Https://submt.ai is not responsible for stopping all unwanted contact from sources beyond our immediate control.</p>
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<p>You understand that your consent to receive communications is not required as a condition of using Https://submt.ai's services. This Site abides by CAN-SPAM and TCPA regarding communications.</p>
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<p><strong>Minors</strong></p>
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<p>Https://submt.ai does not knowingly collect information from minors under the age of 18, and does not knowingly use such information for any purpose, including marketing purposes. If you are a parent/guardian who knows of a minor who has provided our Site with personally identifying information, please contact us, so that we can delete such information from our database.</p>
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<p style="text-align:center;"><strong>TERMS AND CONDITIONS</strong></p>
<br>
<p><strong>Terms & Conditions</strong>
</p>
<br>
<p>Use of this Site constitutes acknowledgement that You have read, understand, and are in agreement with this Company’s Terms & Conditions. These Terms & Conditions apply to Https://submt.ai (also referred to as ‘Company’ or ‘Site’). It notifies you (also ‘You’ and/ or ‘Your’) about the terms and conditions of our services. Please read these Terms & Conditions in full before using this Site. If you do not agree with this Company’s Terms & Conditions, do not continue to use this Site or seek its services.</p>
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<p><strong>Services</strong></p>
<br>
<p>Https://submt.ai is NOT a lender and does not broker loans. This Company seeks to pair You with prospective lenders and does not guarantee that You will be offered a Cash Advance. We also do not guarantee the amount of your Cash Advance. The information from your request form may be shared with more than one lender.</p>
<br>
<p>Your use of this Company’s services includes providing relevant and necessary information which may include, but is not limited to your name, date of birth, telephone number, physical address, Social Security number, driver’s license number and state, email address, employment information, active military information, information about home ownership, citizenship status, frequency and amount of paychecks, and information about your banking account. This information will be used to pair you with Cash Advances and loan products. Submitting your information to this Site also means You are allowing this Company and third party lenders to contact You about loans and related products and services.</p>
<br>
<p>Once your information is submitted, it will be reviewed by third party lenders who will then determine if You meet their requirements for a loan. These lenders may seek to verify your identity and may perform a credit check through a credit bureau. Submission of your information constitutes an agreement for your information to be used in these ways. If You are found to be eligible for a Cash Advance, You will be redirected to a new page with the lender’s information or redirected to the third party site.</p>
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<p>This Company cannot guarantee that the loan offers that You will receive are the best available. Also, this Company cannot guarantee the product, price, rates, fees, availability or any other terms of a third party’s loan products and services. This Company is not involved with an agreement you may enter into with a third party lender. Your interactions with your lender are governed by their Privacy Policy, terms, conditions, and other policies. Questions, issues, and problems regarding your loan agreement should be directed to your lender, and not to this Company.</p>
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<p><strong>Telephone Consumer Protection Act Compliance </strong></p>
<br>
<p>By submitting your information to this Site, you are providing your express written consent under the Telephone Consumer Protection Act to receive telemarketing calls, text messages, SMS messages, or other communications as governed by TCPA, whether from this Site or from any of the third party companies that this Site does business with.</p>
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<p><strong>Authorized Use</strong></p>
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<p>The Company authorizes You to use this Site only for personal and non-commercial use as permitted by law. The Company strictly prohibits all other uses, including but not limited to the duplication, copy, reproduction, sale, resale, use, access, or additional exploitation of any material from this Site for any commercial reasons and purposes.</p>
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<p><strong>Intellectual Property Rights</strong></p>
<br>
<p>The content of this Site is protected by applicable copyright laws in the United States and other countries. As such, use of this Site and this Company’s services confers no intellectual property rights on You. Content of this Site may not be used without the written permission of the Company who retains the copyright to this Site. All logos, trademarks, and service marks (referred to collectively as ‘Trademarks’) that are displayed on this Site are Trademarks of this Company, both registered and unregistered. Use of Trademarks in a manner which does not conform to these guidelines without the written permission of the Company is not allowed.</p>
<br>
<p><strong>Disclaimer of Warranties</strong></p>
<br>
<p>ALL INFORMATION, CONTENT, PRODUCTS, AND SERVICES FOUND ON THIS SITE ARE OFFERED ‘AS IS’ AND YOU ACCESS THEM AT YOUR OWN RISK. THIS COMPANY DISCLAIMS ANY WARRANTY, EITHER IMPLIED OR DIRECTLY STATED REGARDING THIS SITE INCLUDING, BUT NOT LIMITED TO INFORMATION, CONTENT, PRODUCTS, AND SERVICES. THIS COMPANY PROVIDES NO WARRANTY CONCERNING THE RESULTS AND EFFECTIVENESS OF THIS SITE OR ITS INFORMATION, CONTENT, PRODUCTS, AND SERVICES. USE OF THIS SITE IS AT YOUR OWN RISK. THIS COMPANY DOES NOT GUARANTEE, WARRANT, OR REPRESENT, THAT ALL SERVICES WILL MEET YOUR REQUIREMENTS. THIS COMPANY MAKES NO GUARANTEES THAT SERVICES WILL BE TIMELY, UNINTERRUPTED, SECURE, OR ERROR-FREE. NO GUARANTEES ARE MADE REGARDING FUNCTIONALITY OR DEFECTS IN THE OPERATION OF SERVICES OR RELATED SOFTWARE OR THAT ERRORS WILL BE CORRECTED. THIS COMPANY ALSO DOES NOT GUARANTEE, WARRANT, OR REPRESENT, THAT THIRD PARTY SERVICES WILL MEET YOUR REQUIREMENTS. THIS COMPANY MAKES NO GUARANTEES THAT THIRD PARTY SERVICES WILL BE TIMELY, UNINTERRUPTED, SECURE, OR ERROR-FREE. NO GUARANTEES ARE MADE REGARDING FUNCTIONALITY OR DEFECTS IN THE OPERATION OF THIRD PARTY SERVICES OR RELATED SOFTWARE OR THAT ERRORS WILL BE CORRECTED.</p>
<br>
<p><strong>Limitation of Liabilities</strong></p>
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<p>THIS COMPANY SHALL NOT BE HELD LIABLE OR RESPONSIBLE FOR DIRECT, INDIRECT, EXEMPLARY, CONSEQUENTIAL, INCIDENTAL, PUNITIVE, OR SPECIAL DAMAGE RESULTING FROM YOUR USE AND/ OR ACCESS TO THIS COMPANY’S SITE OR SERVICES. THE FULL AND TOTAL LIABILITY, AS PERMITTED BY LAW, OF THIS COMPANY FOR CLAIMS RESULTING FROM YOUR USE AND/ OR ACCESS TO THIS COMPANY’S SITE OR SERVICES – WHETHER IN WARRANTY, CONTRACT, STRICT LIABILITY, TORT, OR OTHERWISE – IS LIMITED TO THE AMOUNT PAID BY YOU (IF ANY) TO USE AND/ OR ACCESS TO THIS SITE.</p>
<br>
<p><strong>Third Party Links</strong></p>
<br>
<p>Following third party links found on this Site is done at Your own risk. Inclusion of third party links on this Site does not constitute this Company’s recommendation for or endorsement of their products and services. These links are intended for convenience and reference, and this Company is not responsible for content, information, software, or any other materials made available on third party sites.</p>
<br>
<p><strong>Third Party Dealings</strong></p>
<br>
<p>Dealings with third parties which result from use of this Site is done at Your own risk. Any transactions conducted between You and any third parties are not the responsibility of the Company. These transactions may include, but are not limited to, products, services, payment, conditions, warranties, or any terms and conditions. This Company cannot be held responsible for your dealings with these third parties.</p>
<br>
<p><strong>Disputes and Resolution</strong></p>
<br>
<p>Any dispute originating from or related to Your use and/ or access to this Site and its services in which you deem this Company to have liability is governed by the state of California. Disputes will be settled exclusively and finally by arbitration according to the effective commercial arbitration rules of the American Arbitration Association at the time of the dispute in Los Angeles. The arbitrator shall have the power and authority to award damages connected with a Dispute which may not exceed actual compensatory damages and shall not multiply actual damages or award consequential, exemplary, or punitive damages. In addition, each party irrevocably waives any claim thereto. Any award shall be conclusive and final. An arbitration agreement should not be understood as an agreement to the consolidation or joinder of an arbitration under this agreement with an arbitration of claims or disputes of any non-party, regardless of the nature of the disputes.</p>
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<p>The Terms provided herein state that all disputes between You and this Company will be resolved through arbitration. As a result, You forego your right to assert or defend your rights or go to court. You also forego the right to be part of or originate a class action suit. Your applicable rights will be decided by neutral arbitrators, not by a court of law, judge, or jury. By using this Company’s Site and services, you agree to these restrictions and conditions. If the arbitration provisions contained herein become unenforceable or inapplicable, or in the event of any lawsuit between You and this Company or its Site, You agree fully that jurisdiction of this and any suit shall rest exclusively in the federal and state courts in California. You also fully agree that any actions or claim related to use of this Site or this Company’s services must be filed within one (1) year after the said action, cause, or claim, or be forever barred.</p>
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<p><strong>Indemnification</strong></p>
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<p>Use of this site constitutes an agreement to hold this Company blameless against any and all liability, expenses, loss, damages, actions, suits, claims, and proceedings, including, without limitation, reasonable attorneys’ fees and relevant costs, stemming from or related to any cause of action, allegation, claim or involving, without limitation, Your unauthorized or unlawful use of this Site and/or this Company’s services.</p>
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<p><strong>Entire Agreement</strong></p>
<br>
<p>The entire agreement between this Company and You are contained in these Terms & Conditions.</p>
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<p><strong>Modification</strong></p>
<br>
<p>This Company retains the right to modify our Terms & Conditions or to add additional terms and conditions at any time. Notification of modifications and/or additions will be clearly posted on this Site where the Company deems it to be appropriate. All modifications and additions are effective immediately. If You disagree with any modified or additional terms and conditions, You are not obligated to use this Site or its services.</p>
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<p><strong>Non-Waiver; Severability</strong></p>
<br>
<p>Any failure on behalf of the Company to enforce these Terms & Conditions does not constitute the Company’s right to continue to enforce these Terms & Conditions. In the event that any of the Terms & Conditions are deemed to be illegal, invalid, or unenforceable, such terms and conditions will be nullified. Remaining terms and conditions will remain in full effect.</p>
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<p style="text-align:center;"><strong>Responsible Lending and Marketing Policy</strong></p>
<p>Https://submt.ai is dedicated to working with responsible finance providers that prohibit abusive, misleading or fraudulent lending practices. At Https://submt.ai, we try to connect you with a lender that can offer you a shorter-duration loan. Https://submt.ai is not a lender and does not represent or endorse any lender. Rather, we strive to provide borrowers with adequate information about the loan request process and what your responsibilities are as a consumer to assist you in making informed and responsible loan decisions.</p>
<p>Prior to accepting any loan offer made to you by a lender, we recommend that you thoroughly review your lender’s policies. Each lender has different loan terms and conditions. If you have any questions or concerns regarding the details of your loan, please contact your lender directly.</p>
<p><strong>Fair Lending Practices</strong></p>
<p>Many of the laws that protect borrowers are federal regulations known as Fair Lending Laws. Below are some important Fair Lending Laws in effect throughout the U.S. mandated by the federal government.</p>
<p>The Dodd-Frank Wall Street Reform and Consumer Protection Act are meant to protect consumers from lenders who engage in unfair lending practices. The Act authorizes the Consumer Financial Protection Bureau (CFPB) with the ability to enforce Fair Lending Laws. All consumers that use the services provided by Https://submt.ai are urged to file a complaint with the CFPB in the event a problem arises regarding your loan or relationship with your lender.</p>
<p>The Truth in Lending Act (TILA) is designed to promote informed use of consumer credit by requiring disclosures about loan terms, costs, and fees in writing before the consumer takes any responsibility for the loan. TILA also gives consumers the right to cancel certain credit transactions that involve a lien on the consumer’s dwelling, provides a manner for fair and timely resolution of credit billing disputes and regulates credit card practices. The Act does not, however, regulate the charges that may be imposed for consumer credit. The lenders in our network are required to provide consumers with clearly written and identifiable interest rates, late fees, rollover charges and any other fees that may be associated with their loan before the consumer signs the loan documents.</p>
<p>The Equal Credit Opportunity Act (ECOA) prohibits lenders from discriminating against any borrower on the basis of race, color, religion, national origin, sex, marital status, age (provided that the applicant has the capacity to contract), because an applicant receives income from a public assistance program, or because an applicant has in good faith exercised any right under CFPA. ECOA also sets forth requirements for accepting applications and providing notices of any adverse action taken on the application within 30 days of receiving a completed application.</p>
<p>The Fair Credit Reporting Act (FCRA) is designed to ensure that Consumer Reporting Agencies (CRAs) furnish correct and complete information to businesses to use when they evaluate consumers’ information for credit, insurance, or employment. Under the FCRA, it is the consumers’ right to:</p>
<ul>
<li>Know what is in their file;</li>
<li>Be told if information in their file has been used against them;</li>
<li>Dispute incomplete or inaccurate information in their file, whereas consumer reporting agencies must correct or delete such information;</li>
<li>Receive one free disclosure every 12 months upon request from each nationwide credit bureau and from nationwide specialty consumer reporting agencies;</li>
<li>Request a credit score from consumer reporting agencies for a fee;</li>
<li>Limit access to their file to people with a valid need for access; and</li>
<li>Limit unsolicited offers of credit and be given opt out rights of such communications.</li>
</ul>
<p><strong>Debt Collection Practices</strong></p>
<p>Https://submt.ai supports all provisions of the Fair Debt Collection Practices Act (FDCPA), which is enforced by the Federal Trade Commission (FTC). The FDCPA prohibits collectors and collection attorneys from using undue harassment and other unethical practices when collecting debt. While the FDCPA does not apply to first party creditors, certain states have enacted laws similar to the FDCPA that does in fact apply to first party creditors. Https://submt.ai is not a lender and does not fund loans, therefore Https://submt.ai does not engage in debt collection practices. However, we consistently undertake to work with reputable lenders that abide by fair debt collection guidelines. These include without limitation:</p>
<ul>
<li>Not contacting consumers via phone before 8:00 am or after 9:00 pm;</li>
<li>Not contacting consumers via phone with the intent to harass, annoy or use abusive language to belittle or threaten;</li>
<li>Not attempting to collect debt through deception or misrepresentation; and</li>
<li>Not resorting to threaten criminal charges or any legal action when no such action is allowed.</li>
</ul>
<p>If at any time a lender does not conduct itself properly or violates a debt collection law or regulation, including any FDCPA statute, we suggest that you report the lender and such violations to the FTC. Any lender within our network found to be in violation of these guidelines will be immediately removed from our network and reported to law enforcement.</p>
<p><strong>Implications of Late Payments </strong></p>
<p>It is important to Https://submt.ai that you understand the consequences of making late payments on your loan. Late payments on your loan may result in additional fees or collection activities, or both. Each of our third party lenders has its own policies regarding late and partial payments as governed by state lending regulations. We strongly encourage you to review the late and partial payment policies provided in your loan document before signing the document so you understand any potential fees and penalties.</p>
<p><strong>Implications of Non-Payment</strong></p>
<p>Non-payment of credit could result in collections activities. Each of our third party lenders has its own policies regarding non-payment as governed by state lending regulations. Https://submt.ai strongly encourages you to review your particular lender’s policy on non-payment including any fees and penalties you may be subject to for non-payment. Lenders within our network should practice debt collection in a fair manner abiding by FTC policies.</p>
<p><strong>Renewal Policy</strong></p>
<p>Depending on your state’s laws, your lender may be able to offer plans to renew your shorter-duration loan, rollover options, and other ways of extending the re-payment period to help you make payments in full. Please be aware, renewal plans presented to you by your lender should only be undertaken in special circumstances after making all relevant considerations because the costs involved will add to the amount of money you will have to repay.</p>
<p><strong>State Regulations</strong></p>
<p>While lenders in our network follow federal regulations, individual states also have numerous laws for lending within their borders. These include strict adherence to local laws regarding interest rates, rollover limits and fees, presentment limits, maximum loan terms, cool-off periods between loans, and more. It is important for consumers to educate themselves about their loan offer before considering whether or not to accept it, including the federal and state laws, rules, and regulations that apply.</p>
<p><strong>Marketing Practices</strong></p>
<p>To register for Https://submt.ai’s services, you must agree to these Responsible Lending and Marketing Practices, as well as Privacy Policy, Terms & Conditions, and e-Consent. By registering for Https://submt.ai’s services, you are requesting to be connected to a lender within our network of lenders, with whom we will share your information (i.e. first and last name, address, telephone number, banking information, etc.).</p>
<p>By registering on Https://submt.ai, you are also giving your express consent to receive promotional and advertising materials from Https://submt.ai, our network of lenders, and third party marketers with whom we may share your information. They may also provide information to you about additional services and/or products. You further understand and consent that all communications, whether to assist you in obtaining the loan you requested or for promotional purposes or otherwise, may be through direct mail, e-mail (at the e-mail address you provided) and/or by telephone/mobile device (at the number(s) you provided) regardless of if your e-mail address and/or numbers may be listed on a corporate, state, or federal Do-Not-Contact registry, suppression list, or the like.</p>
<p>To opt out of receiving such marketing materials and/or communications, you may request to be removed by using the relevant opt-out mechanism in such communications or by contacting the third party directly. Https://submt.ai is not responsible for any promotional and advertising materials sent to you by the lender and other marketers and has no control over stopping unwanted communications directed to you from sources beyond its direct control. You will need to contact your lender and/or the sender of the communication directly in order to remove your name and/or contact information from their list of recipients.</p>
<p><strong>The content on this Site is not intended to be and should not be taken as legal advice in any manner and is not a substitute for qualified legal representation.</strong></p>
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<p style="text-align:center;"><strong>Legal Disclaimers</strong></p>
<p><strong>CONSUMER NOTICE</strong></p>
<p>Shorter-duration loans from third-party lenders are meant to provide temporary relief for financial needs and are not intended as long-term financial solutions. Consumers who have credit problems or who face debt should seek professional debt and credit counseling. Consumers are encouraged to learn of the risks involved with taking out shorter-duration loans, loan alternatives that may be more suitable for your financial needs and situation, and any local and state laws around shorter-duration loans in your state. If you accept the terms and conditions for a loan offer, you agree to repay the loan principal and finance charges according to the payment schedule detailed in the documents provided to you by your lender. We strongly encourage you to thoroughly read all loan agreements provided to you. If you miss a payment or make a late payment, additional fees or charges may apply. This website does not control the amount of fees or charges you may owe for nonpayment, late payment, or partial payment. Ask your lender for more information.</p>
<br>
<p><strong>NOT A LENDER NOTICE</strong></p>
<p><strong>The operator of this website and its services is not a lender or creditor, is not a broker, does not make offers for loans, and does not make any credit decisions.</strong> We are not a representative or agent of any lender and have no control over the lenders or lending partners in our network. Submission of a loan request to this website is not submission of a loan application. We do not guarantee that you will be approved for a shorter-duration loan. Some lenders may require faxing of information. In some instances, you may have to visit a physical store or branch location to complete your loan request process. Please contact your lender directly with questions or issues regarding your loan. </p>
<br>
<p><strong>PAID BY LENDERS, LENDING PARTNERS, NETWORKS, OR OTHER MARKETERS</strong></p>
<p>This website provides a free service that aims to connect consumers with lenders. Submitting a loan request allows us to connect you to third-party lenders, lending partners, other networks and marketers, and these parties pay us if they offer you a loan or if a lender within their network is able to offer you a loan. If you receive a loan offer, it is likely from the highest bidder and not from the lender who is able to offer you the best loan terms.</p>
<br>
<p><strong>CREDIT IMPLICATIONS</strong></p>
<p>Some third-party lenders may conduct credit checks with credit bureaus or obtain consumer reports through alternative providers to determine your eligibility for a loan. By submitting your information to us, you agree to allow us to share your information with those in our network and to allow those in our network to verify your information and check your credit. You are not obligated to contract with any third-party lender or party within our network.</p>
<br>
<p><strong>AVAILABILITY</strong></p>
<p>This website’s service is not available in all states. Residents of certain states, including, but not limited to Arkansas, New York, West Virginia, and California are not eligible to use this website or its service. We reserve the right to change the availability of our service at any time without notice. If you request a loan in a state where such loans or loan products are prohibited, or where this website does not have an available lender or lending partner, you will not be connected to a lender or lending partner. Please familiarize yourself with your state’s regulations pertaining to shorter-duration loans. In using our services, it’s possible that you may be connected with a tribal lender. Please be aware, tribal lenders are subject to tribal law and particular federal laws, which govern its loans and related agreements, but are exempt from abiding by state law. Please fully read and understand the terms of any loan offered by any lender. Do not agree to a shorter-duration loan offer that includes terms you do not agree to, or that you are unable to repay.</p>
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