We at Ironclad Capital, LLC (“Ironclad Capital” or “Company”) are proud to provide our clients with the lending solution assistance they need. In using our website, we ask that you abide by the following terms and conditions.

By using this website (the “Site”) you automatically agree to the terms and conditions expressed here. Please take a moment to look them over and, if you do not agree, please do not use our website. We also reserve the right to make any modifications to our website that we deem necessary at any time. Your continued use of our site indicates that you accept the changes that are made.

The lending solution professionals at Ironclad Capital hope you find this site to be of help. If you would like to discuss our lending solution services with an experienced professional, please contact Ironclad Capital today!

Changes to These Terms of Use

We may make changes to the Terms of Use from time to time. If we do this, we will post the changed Terms of Use on the Site and will indicate at the top of this page the date the Terms of Use were last revised. Your continued use of the Service or the Site after we have made any such changes constitutes your acceptance of the new Terms of Use.

Call Recording

You agree that Ironclad Capital and/or its agents, representatives, affiliates or anyone calling on our behalf may contact you on a recorded line.

Eligibility

This Site is intended solely for users who are eighteen (18) years of age or older. Any registration by, use of, or access to the Site by any person under 18 is unauthorized, unlicensed and in violation of these Terms of Use. By using the Service or the Site, you represent and warrant that you are 18 or older and that you agree to and will abide by all terms and conditions herein.

Household Limitation

Only one active loan per borrower may be outstanding at one time.

Inactive Applications

Loan applications are canceled after 14 days of inactivity.

User Representation

You represent, warrant and agree that no materials of any kind submitted to or otherwise posted or shared by you through Ironclad Capital’s Site will violate or infringe upon the rights of any third party, including copyright, trademark, privacy, publicity or other personal or proprietary rights; or contain libelous, defamatory or otherwise unlawful material.

You further agree not to use the Service or the Site in any unlawful manner or in any manner that could damage, disable, overburden or impair the Site. In addition, you agree not to use our Services or the Site to:

• Upload, post, transmit, share, store or otherwise make available any content that we deem to be harmful, threatening, unlawful, defamatory, infringing, abusive, inflammatory, harassing, vulgar, obscene, fraudulent, invasive of privacy or publicity rights, hateful, or racially, ethnically or otherwise objectionable.
• Except where authorized by the Company, register for more than one user account, register on behalf of an individual other than yourself, or register for a user account on behalf of any group or entity.
• Impersonate any person or entity, or falsely state or otherwise misrepresent yourself, your age or your affiliation with any person or entity.
• 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.
• Upload, post, transmit, share, store or otherwise make publicly available on the Site any private information of any third party, including addresses, phone numbers, email addresses, Social Security numbers and credit card numbers.
• Solicit personal information from any natural person under 18 or solicit passwords or personally identifying information for commercial or unlawful purposes from any user.
• Upload, post, transmit, share or otherwise make available any material that contains software viruses or any other computer code designed to interrupt, destroy or limit the functionality of any computer software, hardware or telecommunications equipment.
• Intimidate or harass another user.
• Upload, post, transmit, share, store or otherwise make available content that would constitute, encourage or provide instructions for a criminal offense, violate the rights of any party, or otherwise create liability or violate any local, state, national or international law.
• Use or attempt to use another’s account, service or system without authorization, or create a false identity on the Service or the Site.

Restrictions on Use of Our Online Materials

All online materials on the Ironclad Capital Site, including without limitation text, software, names, logos, trademarks, service marks, trade names, images, photos, illustrations, audio clips, video clips, and music are copyrighted intellectual property owned and controlled by Ironclad Capital, LLC.

You may download online materials for non-commercial, personal use only provided you: (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 suggests an association with any of our products, services, events or brands; and (4) do not download quantities of materials to a database, server, or personal computer for reuse for commercial purposes. You may not copy, reproduce, republish, upload, post, transmit or distribute online materials in any way without prior written permission from Ironclad Capital.

Consent to Electronic Transactions and Disclosures

Because our Company primarily operates on the Internet, it is necessary for you to consent to transact business with us online and electronically. By agreeing to the Terms of Use, you agree to receive electronically all documents, communications, notices, contracts, and agreements arising from or relating to your use of the Site and Service.

Any disclosures will be provided to you electronically through our Site or via electronic mail to the verified email address you provided. If you require paper copies of such disclosures, you may write to us at the mailing address provided below and a paper copy will be sent to you at a cost of up to $5.00.

Hardware and Software Requirements: In order to access and retain disclosures electronically, you must have access to the Internet, an email account capable of receiving email through the Internet, supported web browsing software (Chrome 32.0+, Firefox 26+, Internet Explorer 8.0+, or Safari 7.0+), and hardware capable of running this software.

You may withdraw your consent to receive disclosures electronically by contacting us at the address below. However, once you have withdrawn your consent you will not be able to submit loan requests on our Site.

TCPA Consent

You expressly consent to receiving calls and messages, including auto-dialed and pre-recorded message calls, and SMS messages (including text messages) from us, our affiliates, agents and others calling at their request or on our behalf, at any telephone numbers that you have provided or may provide in the future (including any cellular telephone numbers). Your cellular or mobile telephone provider will charge you according to the type of plan you carry.

Limitation of Liability

Privacy

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.

Termination of This Agreement

This agreement is effective until terminated by either party. You may terminate this agreement at any time by destroying all materials obtained from the Ironclad Capital site, along with all related documentation and all copies and installations. Ironclad Capital may terminate this agreement at any time and without notice if, in its sole judgment, you breach any term or condition of this agreement.

Links to Other Sites

We sometimes provide referrals to and links to other websites from our site. Such links should not be seen as an endorsement, approval or agreement with any information or resources offered at those sites. Ironclad Capital is not responsible for the content or practices of third-party sites that may be linked to our site.

Jurisdiction

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. Any disputes shall be subject to exclusive jurisdiction and venue in the state or federal courts of the State of California.

Indemnity

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 use of the Service or the Site, your conduct in connection with other users, or any violation of these Terms of Use or of any law or the rights of any third party.

Resolution of Disputes

If a dispute arises under this agreement, we agree to first try to resolve it with the help of a mutually agreed-upon mediator. Any costs and fees other than attorney fees associated with the mediation will be shared equally by each party. If mediation fails, we agree to submit the dispute to binding arbitration under the rules of the American Arbitration Association. Judgment upon the award rendered by arbitration may be entered in any court with jurisdiction to do so.

Other

The failure of the Company to exercise or enforce any right or provision of these Terms of Use shall not constitute a waiver of such right or provision. If any provision of these Terms of Use is held invalid, the remainder shall continue in full force and effect.