TERMS OF USE AGREEMENT FOR ALL SERVICES AND THE WEBSITES

Car Payment Helper requires you to carefully read, understand and agree to the Terms and conditions mentioned below. By browsing, accessing or using this website, through any direct or indirect medium or by using the goods, facilities or services offered through the website, or any other methods such as telephone, mail, text, email, you accept and agree to adhere to the terms and conditions.

THIS AGREEMENT CONTAINS AN AGREEMENT TO SETTLE ALL CLAIMS AND CONTAINS DISCLAIMERS OF WARRANTIES AND LIABILITY.

If you do not agree to the terms and conditions, you are not allowed to access or use the website. Here, “You” or “Your” means the person(s) using the websites, and/or the goods, facilities or services of Car Payment Helper, including persons that allow others to provide information about themselves to Car Payment Helper, such as the banks, lenders, financial institutions, providers, real estate companies and brokers on Car Payment Helper network.

Car Payment Helper is licensed as set forth in the Licenses and Disclosures section, which is incorporated into this Agreement.

THE DISCLOSURES AND CONSENT REQUIRED UNDER CERTAIN STATE LAWS ARE DEEMED TO BE PROVIDED, RECEIVED AND AGREED TO BY THE USE OF THE WEBSITE.

Car Payment Helper at any time shall have the right to change or discontinue any aspect or feature of the website and the right to modify or update any of the terms and conditions mentioned here. These changes, modifications, addition or deductions shall be immediately effective after posting of them on the website.

Any usage by you of the websites or the goods, facilities or services offered in or through the website, shall be taken as you accepting the changes.

By accessing the Car Payment Helper website you agree to be bound by the terms and conditions. Our website is intended for individuals who are at least 18 years of age and reside in the United States. If you are under 18 years of age or are not residing in the United States, you should not be visiting or using the Car Payment Helper Website or any services offered thereof.

CONSUMER INFORMATION SECURITY POLICY

The Car Payment Helper Consumer Information Security Policy incorporated into this agreement explains the policy applicable for any information that is collected through the websites, received directly from you or transmitted to or from third parties.

MORTGAGE LOAN REQUEST SERVICES

Car Payment Helper offers two mortgage loan services, each of which are explained in detail below:

The first option is one which gets completed when you provide your social security number (SSN) after agreeing to the full electronic consent and the terms and conditions as well as the privacy policy request and get chosen by lenders, brokers, or partners who may respond with conditional loan offers posted back to your Car Payment Helper account.

The second on the other hand is a loan form request where we match you with Lenders, brokers or partners that look into your inquiry and then get back to you to find the right match. Because these matches are generated from a subset of information from the form request, the Lenders will not be able to respond with customized conditional offers until they speak with you to get additional information.

Traditional (Long-Form) Inquiry Service (Loan Inquiries with Social Security Number Provided)

Car Payment Helper seeks to provide you multiple conditional offers through its network of Lenders, brokers or Partners to enable you to compare your mortgage loan options. By submitting the long inquiry form i.e. the one where you provide your social security number, you allow Car Payment Helper to provide your information to third parties such as either to the lenders on the Car Payment Helper network along with any additional lenders, brokers or partners that are necessary to complete your loan inquiry or to provide you with additional services.

You also allow Car Payment Helper, its lenders, additional lenders, brokers or partners necessary to complete your loan transaction. Car Payment Helper has the right to request one or multiple soft inquiries to the credit bureaus/reporting agencies, your credit bureau report to verify that your loan request is true and accurate to the best of your knowledge. Not all lenders will perform this soft inquiry, nor will all lenders be given the Social Security number you have submitted on the inquiry form.

By clicking submit (or any button that indicates acceptance) you are certifying that all the information that you have given in your loan inquiry is true, accurate and complete to the best of your knowledge. While Car Payment Helper only performs a “soft inquiry” and other partners may perform the same soft inquiry, it will not impact your score according to Fair Isaac Corporation (the company that provides “FICO” credit scores). http://www.myfico.com/crediteducation/questions/inquiry-credit-score.aspx

If multiple applications are completed by you, you will most likely have several hard inquiries on your credit report or score. However, FICO states that for auto loans, it disregards multiple inquiries prior to the completion (or closing) of the loan and it considers these types of credit checks as a single inquiry. FICO considers all inquiries within a 45 day period for an auto loan as a single inquiry.

Lenders will require additional information about you before providing you with an actual offer. In such cases, the lenders will contact you directly to discuss your loan request and to discuss the terms of the offer(s). When you submit the long-form Car Payment Helper loan inquiry form, and it results in you closing a loan you agree to provide information about that resulting loan to Car Payment Helper, including but not limited to a HUD-1 settlement statement, and you authorize Car Payment Helper Network Lenders to provide that information to Car Payment Helper on your behalf.

There are certain state regulations that require Car Payment Helper to view the details of the inquiry, resulting loan product offered, rate, APR, Loan Amount and other loan file information in order to follow the Licensing Record Retention requirements.

NOTE: You are providing Car Payment Helper and the selected lender expressively written content to share this private personally identifiable information for these purposes, litigation, regulatory request(s), law enforcement requests, and internal analytics and/or for any marketing purposes.

To know which lenders may be matches with you, lenders provide criteria about the auto loan to Car Payment Helper (e.g. Loan amount, refinance, modification, purchase etc) and the type of loan customer (e.g. State of residence or self-identified credit score band) in which the lender is interested. Car Payment Helper will give your information to up to six lenders whose criteria match your profile. If fewer than six lenders match your profile then you will receive conditional loan offers from fewer than six lenders.

Loan Request Services (Loan Inquiries with no Social Security Number Provided)

By submitting the shorter loan inquiry form that does not require your social security number, you allow Car Payment Helper to provide your information to up to six lenders. The lenders in this program will be on Car Payment Helpers Network.

In this process, you may be given an option to provide your Social Security Number and have conditional offers posted back to your account. The social security number would then be required by the lenders you are matched with to proceed with your formal loan application. Not all lenders will perform a soft inquiry of credit without your social security number, but Car Payment Helper and its network of lenders may perform a soft inquiry of your credit in relationship to your loan inquiry. Car Payment Helper does so to verify your Identity and to adhere to the Anti- Money Laundering requirements established by Federal regulations.

If you choose this option, you allow Car Payment Helper to provide to lenders information that you provided or that Car Payment Helper has (except Car Payment Helper will not transmit any soft inquiry credit information it obtained in either the long or short form inquiry and instead Car Payment Helper only transmits the information you enter into the inquiry form to the lenders) or that Car Payment Helper may receive, to up to six lenders along with any additional lenders, brokers, partners or investors necessary to complete your loan.

Lenders will require additional information about you before providing you with an actual offer. In such cases, the lenders will contact you directly to discuss your loan request and to discuss the terms of the offer(s). When you submit the long-form Car Payment Helper loan inquiry form, and it results in you closing a loan you agree to provide information about that resulting loan to Car Payment Helper, including but not limited to a HUD-1 settlement statement, and you authorize Car Payment Helper Network Lenders to provide that information to Car Payment Helper on your behalf.

There are certain state regulations that require Car Payment Helper the details of the inquiry, resulting loan product offered, rate, APR, Loan Amount and other loan file information in order to follow the Licensing Record Retention requirements.

NOTE: You are providing Car Payment Helper and the selected lender expressively written content to share this private personally identifiable information for these purposes, litigation, regulatory request(s), law enforcement requests, and internal analytics and/or for any marketing purposes.

To know which lenders may be matches with you, lenders provide criteria about the auto loan to Car Payment Helper (e.g. Loan amount, refinance, modification, purchase etc) and the type of loan customer (e.g. State of residence or self-identified credit score band) in which the lender is interested. Car Payment Helper will give your information to up to six lenders whose criteria match your profile. If fewer than six lenders match your profile then you will receive conditional loan offers from fewer than six lenders.

All contents on the website are copyright and trademark reserved. Other company names mentioned herein, including the names of lenders, may be the trademarks of their respective owners.

Nothing on the Websites should be construed as granting, by implication, estoppels or otherwise, any license or right to use any service mark or trademark (individually and collectively, “Mark” or “Marks”) displayed on the websites, without the prior written consent of Car Payment Helper or the applicable Mark Holder specific for such use.

The Marks may not be used to disparage Car Payment Helper, the Lenders, the applicable third party or the products or services of such parties, nor shall they be used in any manner that may damage any goodwill in the Marks. Use of any Mark as part of a link to or from any site is prohibited unless establishment of such a link is approved in advance by Car Payment Helper in writing.

The Websites contains copyrighted material, trademarks and other proprietary information, including, but not limited to, text, software, photos, video, graphics, music and sound, and the entire contents of the Websites are copyrighted as a collective work under the United States copyright laws. Car Payment Helper owns a copyright in the selection, coordination, arrangement and enhancement of such content, as well as in the content original to it. You may not modify, publish, transmit, participate in the transfer or sale, create derivative works or in any way exploit, any of the content, in whole or in part. Except as otherwise expressly permitted under copyright law, no copying, redistribution, retransmission, publication or commercial or non-commercial exploitation of downloaded material will be permitted without the express written permission of Car Payment Helper and the copyright owner. Elements of the Websites are protected by trade dress, trademark, unfair competition, and other state and federal laws and may not be copied or imitated in whole or in part, by any means, including but not limited to, the use of framing or mirrors.

DISCLAIMERS AND LIABILITY

Car Payment Helper contemplates that the information on the website be accurate and reliable, however errors sometimes occur. The information is provided as a service to the general public over the age of eighteen and is subject to change without prior notice. In addition, changes and improvements to the information provided herein and are provided “as-is” without warranty of any kind, implied, expressed or otherwise. Under no circumstances will Car Payment Helper be liable for any loss or damage caused by your reliance on information obtained through the Websites. It is your responsibility to evaluate the accuracy, completeness or usefulness of any information, opinion, advice or other content available through the Websites.

THE WEBSITES AND THE INFORMATION, SOFTWARE, PRODUCTS AND SERVICES ASSOCIATED WITH IT ARE PROVIDED “AS IS”. CAR PAYMENT HELPER AND/OR ITS SUPPLIERS, LENDERS, PROVIDERS OR REAL ESTATE COMPANIES DISCLAIM ANY WARRANTY OF ANY KIND, WHETHER EXPRESS OR IMPLIED, AS TO ANY MATTER WHATSOEVER RELATING TO THE WEBSITES AND ANY INFORMATION, SOFTWARE, PRODUCTS AND SERVICES PROVIDED HEREIN, INCLUDING WITHOUT LIMITATION THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NONINFRINGEMENT. USE OF THE WEBSITES AND/OR CAR PAYMENT HELPERS SERVICES IS AT YOUR OWN RISK. CAR PAYMENT HELPER AND/OR ITS SUPPLIERS, LENDERS, PROVIDERS ARE NOT LIABLE FOR ANY DIRECT, INDIRECT, PUNITIVE, INCIDENTAL, SPECIAL OR CONSEQUENTIAL DAMAGES OR OTHER INJURY ARISING OUT OF OR IN ANY WAY CONNECTED WITH THE USE OR THE INABILITY TO USE THE WEBSITES AND/OR CAR PAYMENT HELPER’S SERVICES OR WITH THE DELAY OR INABILITY TO USE THE WEBSITES, OR FOR ANY INFORMATION, SOFTWARE, PRODUCTS AND SERVICES OBTAINED THROUGH THE WEBSITES, INCLUDING BUT NOT LIMITED TO RELIANCE BY YOU ON ANY INFORMATION OBTAINED AT THE WEBSITES, OR THAT RESULT FROM MISTAKES, OMISSIONS, INTERRUPTIONS, DELETION OF FILES OR EMAILS, ERRORS, DEFECTS, VIRUSES, WORMS, TROJAN HORSES, TRAP DOORS, BACK DOORS, EASTER EGGS, TIME BOMBS, CANCELBOTS OR OTHER CODE OR COMPUTER PROGRAMMING ROUTINES THAT CONTAIN CONTAMINATING OR DESTRUCTIVE PROPERTIES OR THAT ARE INTENDED TO DAMAGE, DETRIMENTALLY INTERFERE WITH, SURREPTITIOUSLY INTERCEPT OR EXPROPRIATE ANY SYSTEM, DATA OR PERSONAL INFORMATION, DELAYS IN OPERATION OR TRANSMISSION, OR ANY FAILURE OF PERFORMANCE, WHETHER OR NOT RESULTING FROM ACTS OF GOD, COMMUNICATIONS FAILURE, THEFT, DESTRUCTION OR UNAUTHORIZED ACCESS TO CAR PAYMENT HELPER RECORDS, PROGRAMS OR SERVICES, OR OTHERWISE ARISING OUT OF THE USE OF THE WEBSITES, WHETHER RESULTING IN WHOLE OR IN PART, FROM BREACH OF CONTRACT, TORTIOUS BEHAVIOR, NEGLIGENCE, STRICT LIABILITY OR OTHERWISE, EVEN IF CAR PAYMENT HELPER AND/OR ITS SUPPLIERS, PROVIDERS HAVE BEEN ADVISED OF THE POSSIBILITY OF DAMAGES. SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OF IMPLIED WARRANTIES, SO THE ABOVE EXCLUSION MAY NOT APPLY TO YOU.

ELECTRONIC COMMUNICATIONS/NOTICES AND INFORMATION DELIVERED ELECTRONICALLY

Car Payment Helper, Lenders, Providers and real estate companies may choose to electronically deliver all information related to its services and your requests. Car Payment Helper Lenders, Providers and real estate companies’ electronic communications to you may transmit or convey information about action taken on your request, portions of your request that may be incomplete or require additional explanation, any notices required under applicable law, which may include any Federal Truth-in-Lending disclosures, State disclosures, other terms, conditions and documents, and the privacy policies of Car Payment Helper, Lenders, Providers and real estate companies.
You agree to receive all current and future notices, disclosures, communications and information, and to do business electronically with Car Payment Helper, Lenders, Providers and real estate companies. This means that Car Payment Helper, Lenders, Providers and real estate companies may communicate with you by sending a message to the email address you provided or at another address that may be associated with you that we receive from Lenders, Providers and real estate companies or other parties. You agree that you meet the below technical requirements and are able to access and retain copies of notices and information sent or made available electronically.

Technical Requirements

To access and retain information and notices we send or make available to you electronically, you will need:

  • Internet access with 128-bit encryption
  • Adobe Acrobat Reader 6 or higher
  • Ability to Print Internet Explorer 6 or higher
  • Netscape 8.04 and above (Use in IE mode)
  • Email Access or Firefox version 1.5

You have the right to receive any document in non-electronic form and to withdraw your consent to electronic delivery at any time by contacting Car Payment Helper Customer Service at (800) 255-8186 or by emailing  contact@carpaymenthelper.com

Privacy policies

The Car Payment Helper Privacy Policy is incorporated into this agreement and explains the policy that applies to the information that is collected through the websites or received directly from you.

Exemption from Liability for Damages.

As a condition of use of the websites and or Car Payment Helper’s services, you agree to exempt from liability, expenses and damages arising out of claims resulting from the use of the website by you, including limitation any claims asserting facts would be a breach by you of this agreement.

LIMITATION ON DAMAGES

In no case will Car Payment helper have any liability for any excess of actual compensatory damages. You permanently waive any claim to consequential, punitive or exemplary damages.

LINKS TO THIRD PARTY WEBSITES

The Websites may contain links to websites maintained by third parties. Such links are

The Car Payment Helper website may contain links to websites that are maintained by third parties. Such links are provided for your reference purposes only. Car Payment Helper does not in any way control any services, information or content on such websites. Car Payment Helper is in no way liable for any endorsement of the services of the website, its contents etc. When you leave the website do take a note that Car Payment Helper is not responsible for the accuracy or content of the information provided by that website neither is Car Payment Helper liable for any direct or indirect technical issues arising out of your access to or use of third party technologies or programs available through that website.

ERRORS AND DELAYS

Car Payment Helper is not responsible for any errors or delays in responding to a request or referral form caused by an incorrect email address provided by you or any other technical problems beyond our control.

DISPUTE RESOLUTION

If you feel Car Payment Helper is liable for any acts or omissions and any claim or controversy that arises out of or relating to the use of websites, goods or services, shall be settled by arbitration.

The arbitration shall be held before one arbitrator under the Supplementary Procedures for Consumer Related Disputes of the American Arbitration Association (“AAA”). The arbitration shall be venued in consumer location reasonably convenient to the consumer. The arbitrator shall be selected pursuant to the AAA rules. Should no AAA rule regarding the selection of an arbitrator be in effect, the parties shall agree on an arbitrator mutually agreeable to both parties. Should the AAA decline to accept a matter submitted for individual (non-class) arbitration under these Terms of Use, the parties shall jointly select another arbitrator. In the event the parties are unable to agree on a neutral arbitrator, the claimant may file suit in any court of competent jurisdiction solely for the purpose of requesting the appointment of an arbitrator for individual (non-class) arbitration, as provided for in Section 5 of the Federal Arbitration Act. To begin the arbitration process, a party must make a written demand thereof.

Any judgment upon the award rendered by the arbitrators may be entered in any court of competent jurisdiction. The agreement to arbitrate shall not be construed as an agreement to the joiner or consolidation of arbitration under this agreement with arbitration of disputes or claims of any non-party, regardless of the nature of the issues or disputes involved. To the fullest extent permitted by applicable law, no arbitration under this Agreement shall be joined to an arbitration involving any other party subject to this Agreement, whether through class arbitration proceedings or otherwise.

THIS AGREEMENT PROVIDES THAT ALL DISPUTES BETWEEN YOU AND CAR PAYMENT HELPER WILL BE RESOLVED BY BINDING ARBITRATION. YOU THUS GIVE UP YOUR RIGHT TO GO TO COURT TO ASSERT OR DEFEND YOUR RIGHTS. YOU ALSO GIVE UP YOUR RIGHT TO PARTICIPATE IN OR BRING CLASS ACTIONS. YOUR RIGHTS WILL BE DETERMINED BY NEUTRAL ARBITRATORS AND NOT A JUDGE OR JURY.

You are entitled to a fair hearing, and the arbitration procedures are simpler and more limited than rules applicable in court. Arbitrator decisions are enforceable as any court order and are subject to very limited review by a court. By using Car Payment helper’s goods, facilities and services, you consent to these restrictions.
Should a Dispute arise and should the arbitration provisions herein become inapplicable or unenforceable, or in any instance of any lawsuit between you and Car Payment Helper, the parties agree that jurisdiction over and venue of any suit shall be exclusively in the state and federal courts. If either party employs attorneys to enforce any right in connection with any Dispute or lawsuit, the prevailing party shall be entitled to recover reasonable attorneys’ fees.