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Website Terms of Use

LOAN PRODUCT

3D Financial offers short term, high interest Flex loans. A Flex loan is an open-end credit plan under which 3D Financial offers repeated noncommercial loans that: 1. may be unsecured or secured by personal property; 2. may be without limitation or fixed maturities as to the length of term; and 3. are subject to prepayment in part or whole at any time without penalty. Flex loans should be used to address short term financial needs only. Flex loans are governed by the terms of our loan agreement and the applicable laws of the State of Tennessee. If you have a complaint concerning 3D Financial, you may file your complaint with the Tennessee Department of Financial Institutions, 312 Rosa L. Parks Avenue, 26th Floor, Nashville, TN 37243, phone: 800-778-4215.

TERMS OF USE ACCEPTANCE

The following terms and conditions, in addition to any document or reference mentioned herein, shall be collectively referred to hereafter as (“Terms of Use”), which govern all access and usage of www.3dfinancial.com (the “Website”), which includes any services, functionality, or content that is contained on or through access or usage to the Website whether through third party or direct services offered by 3D Financial.

Review our Terms of Use before you access or use the Website. By your usage of the Website, you hereby accept and agree to be bound by these Terms of Use and our Privacy Policy found here or at www.3dfinancial.com/privacy, incorporated herein by reference. If you do not agree to these Terms of Use or the Privacy Policy, do not access or use the Website.

The Website and its products are available to persons aged 18 or older. Your access and usage of the Website warrants and represents that you are of legal age to enter into a legal contract with 3D Financial and meet all eligibility requirements set forth herein. If you cannot meet these requirements, you must not access or use the Website.

MODIFICATIONS TO TERMS OF USE

At the sole discretion of 3D Financial, we may modify the Terms of Use at any time. When such modifications are made, they are made effective immediately upon posting, and directly impact your access and usage of the Website from that time. Continued Website access and usage following posted modifications confirms your acceptance and agreement to all modifications as posted. It is expected that you will periodically review this page for any modifications as they impact your access and usage of the Website. All modifications are binding upon all users of the Website.

ACCESSING THE WEBSITE/SECURITY

3D Financial in its sole discretion, reserves the right to modify or shut down the Website, and any service or material we provide on the Website without notice. We will not be liable if all or any part of the Website is unavailable. Access may be restricted to some parts of the Website, or the entire Website, to users, including registered users.

YOUR RESPONSIBILITY

Your access to the Website.
Informing all persons who access the Website through your internet connection of the Terms of Use and ensuring their compliance.

To access the Website, you may be asked to provide registration details or other information. It is a requirement of your use of the Website that all the information you provide is complete, correct, and current. You agree that all information you provide is governed by our privacy policy, and you agree to all actions we take with respect to your information consistent with our privacy policy.

All usernames, passwords, or any other information provided to you as part of our security procedures, must be treated as confidential, and you must not disclose it to any other person or entity. Your account is personal to you, and you agree not to provide any other person with access to the Website using your username, password, or any other security information. You must notify us immediately of any unauthorized access to or use of your username or password. You agree to log out from your account at the end of each session. Use increased caution when accessing your account from a public or shared computer to prevent others from viewing or recording your personal information and or password.

3D Financial in its sole discretion, has the right to disable any username, password, or other identifier, whether chosen by you or provided by us, at any time or for any or no reason.

INTELLECTUAL PROPERTY RIGHTS

The Website, its functionality, and contents, (including but not limited to all text, displays, audio, video, images, software, design, and information) are owned by 3D Financial, its licensors or other providers and are protected by patent, trademark, copyright, trade secrets, and other intellectual property or proprietary laws.

The Website is for your lawful personal use only as permitted in these Terms of Use. You are not permitted to modify, publicly display, copy, distribute, republish, download, store, or transmit any of the material on the Website, with the following exceptions:

You may store files that are automatically cached by your web browser for display purposes.
Your computer may temporarily store copies in RAM as part of accessing and viewing content.
We may provide mobile or desktop applications for download, if available, you may download a single copy to your mobile device or desktop computer. This downloaded copy is for your own personal, non-commercial use.

YOU ARE RESTRICTED FROM:

Using any graphics, photographs, illustrations, audio, or video sequences separately from the accompanying text.
Deleting or altering any trademark, copyright, or other proprietary notices from the Website.
Modifying copies of any content from the Website.
Using this Website in any way that violates any applicable federal, state, local, or international law or regulation.
Impersonating or attempting to impersonate 3D Financial, its employees, another user or any other person or entity.
Engaging in conduct that restricts or inhibits anyone’s use of the Website or in 3D Financial’s sole discretion, it is determined that your usage may harm 3D Financial or users of the Website and expose them to liability.
Using any manual process to monitor or copy any of the material on the Website or for any other unauthorized purpose without prior written consent of 3D Financial.
Using any robot, spider or other automatic device, process or means to access the Website, including monitoring or copying any of the material on the Website.
Introducing any viruses, logic bombs, worms, Trojan horses, or other material which is harmful to the Website or its users.
Using any device, routine or software that interferes with the proper working of the Website.
Attacking the Website by use of a denial-of-service attack or a distributed denial-of-service attack.
Attempting to gain unauthorized access, damage or disrupt any parts of the Website, the server for the Website, or any computer, database, or server connected to the Website.
Using the Website in any way that could overburden, damage, or disable the Website.

If you use or provide any other person with access to any part of the Website in breach of these Terms of Use, your right to use the Website will be immediately terminated and you must destroy any copies of Website content you have made. No right, title, or interest in or to the Website or any content on the Website is transferred to you, and all rights not expressly granted are reserved by 3D Financial. Any use of the Website not expressly permitted by these Terms of Use is a breach of these Terms of Use and may violate trademark, copyright, and other laws.

The name “3D Financial”, logo, and all related names, designs, slogans, product, and service names are trademarks of 3D Financial or its affiliates, partners, or licensors. Without prior written permission from 3D Financial, use of these trademarks is prohibited. All other logos, names, designs, slogans, product, and service names on this Website are trademarks of their respective owners.

WEBSITE INFORMATION

The information provided on the Website is made available for general information purposes only. 3D Financial does not warrant the usefulness, completeness, or accuracy of this information. Your reliance on this information is strictly at your own risk. 3D Financial disclaims all responsibility and liability arising from any reliance placed on such information by you or any other visitor to the Website, or by anyone who may be informed of any of the Website’s contents.

This Website may include content provided by third parties. All statements and/or opinions expressed by third parties are solely the statements, opinions, and responsibility of the third-party providing the content. These third-party contents do not necessarily reflect the opinion or policy of 3D Financial. 3D Financial is not responsible, or liable to you or any third-party, for the content, accuracy, or services provided by any third parties.

CHANGES TO THE WEBSITE

3D Financial may change the content of this Website at any time. The content may not be complete or up-to-date and 3D Financial is under no obligation to complete or update the Website content.

INFORMATION 3D FINANCIAL COLLECTS

All information 3D Financial collects on this Website is subject to our Privacy Policy found at www.3dfinancial.com/privacy. By using the Website, you consent to all actions taken by 3D Financial with respect to your information in compliance with 3D Financial’s Privacy Policy.

ONLINE LOANS TERMS AND CONDITIONS

All loans issued through the Website or as a result of visits made by you are governed by the loan terms you agree to when you request a loan, which are hereby incorporated into these Terms of Use.

SOCIAL MEDIA AND LINKING TO THE WEBSITE

You may link to our homepage, provided you do so legally and do not damage our reputation. You must not establish a link in such a way as to suggest any form of endorsement, association, or approval on our part without 3D Financial’s written consent.

YOU ARE RESTRICTED FROM:

Establishing a link from any website that is not owned by you.
Linking to any part of the Website other than the homepage.
Causing the Website or portions of it to be displayed or appear to be displayed on any other website.

The Website from which you are linking, or on which you make certain content accessible, must comply with the content standards set out in these Terms of Use.

3D Financial reserves the right to withdraw linking permission without notice.

LINKS FROM THE WEBSITE

If the Website contains links to other sites and resources provided by third parties, these links are provided for your convenience only. 3D Financial has no control over the contents of those sites or resources and accepts no responsibility for them or for any loss or damage that may arise from your use of them. Should you decide to access any of the third-party websites linked to this Website, you do so at your own risk and are subject to the terms and conditions of use for such websites.

GEOGRAPHICAL RESTRICTIONS

3D Financial is the owner of the Website and is based in the State of Tennessee in the United States. We provide this Website for use only by persons located in the State of Tennessee in the United States. We make no claims that the Website or any of its content is accessible or appropriate outside of the State of Tennessee in the United States. Access to the Website may not be legal by certain persons or in certain countries. If you access the Website from outside the State of Tennessee in the United States, you do so at your own risk and you are responsible for compliance with local laws.

DISCLAIMER OF WARRANTIES

You understand and agree that 3D Financial does not guarantee or warrant that files available for downloading from the internet or the Website will be free of viruses or other destructive code. You are responsible for implementing procedures for anti-virus protection and for maintaining a means external to our Website for any reconstruction of any lost data. 3D Financial will not be liable for any loss or damage caused by a distributed denial-of-service attack, viruses or any other harmful content that may infect your computer equipment, programs, or data due to your use of the Website or any services or items obtained through the Website or to your downloading of any content posted on it, or on any website linked to it.

Your use of the Website, its content and any services or items obtained through the Website is at your own risk. The Website, its content and any services or items obtained through the Website are provided on an “AS IS” and “AS AVAILABLE” basis, without any warranties of any kind, either express or implied. Neither 3D Financial nor any person associated with 3D Financial makes any warranty or representation with respect to the completeness, quality, reliability, security, accuracy, or availability of the Website. Neither 3D Financial nor anyone associated with 3D Financial represents or warrants that the Website, its content or any services or items obtained through the Website will be error free, uninterrupted, reliable or accurate, that defects will be corrected, that our Website or the server that houses our Website are free of viruses or other harmful components or that the Website or any services or items obtained through the Website will otherwise meet your needs or expectations.

3D Financial hereby disclaims all warranties of any kind, whether express or implied, statutory, or otherwise, including but not limited to any warranties of merchantability, non-infringement, and fitness for particular purpose.

The foregoing does not affect any warranties which cannot be excluded or limited under applicable law.

LIMITATION ON LIABILITY

In no event will 3D Financial, its affiliates, or their licensors, service providers, employees, agents, officers or directors be liable for damages of any kind, under any legal theory, arising out of or in connection with your use or inability to use, the Website, any websites linked to it, any content on the Website or such other websites or any services or items obtained through the Website or such other websites, including any direct, indirect, special, consequential, incidental or punitive damages, including but not limited to, personal injury, pain and suffering, emotional distress, loss of business, loss of revenue, loss of profits, loss of data, loss of use, loss of good will, and whether caused by tort (including negligence), breach of contract or otherwise, even if foreseeable.

The foregoing does not affect any liability which cannot be excluded or limited under applicable law.

INDEMNIFICATION

You agree to defend, indemnify and hold harmless 3D Financial, its affiliates, licensors and service providers, and their respective officers, directors, employees, agents, contractors, successors, suppliers and assigns from and against any claims, damages, liabilities, losses, judgments, awards, costs, expenses or fees (including reasonable attorneys’ fees) arising out of or relating to your violation of these Terms of Use or your use of the Website, including, but not limited to, any use of the Website’s content, products and services other than as expressly authorized in these Terms of Use or your use of any information obtained from the Website.

WAIVER AND SEVERABILITY

No waiver by 3D Financial of any term or condition set forth in these Terms of Use shall be deemed a further or continuing waiver of such term or condition or a waiver of any other term or condition, and any failure of 3D Financial to assert a right or provision under these Terms of Use shall not constitute a waiver of such right or provision.

If any provision of these Terms of Use is held by a court or other tribunal of competent jurisdiction to be invalid, unenforceable, or illegal for any reason, such provision shall be eliminated or limited to the minimum extent such that the remaining provisions of the Terms of Use will continue in full force and effect.

GOVERNING LAW AND JURISDICTION

All matters relating to the Website and these Terms of Use and any dispute or claim arising there from or related there to, shall be governed by and construed in accordance with the laws of the State of Tennessee without giving effect to any choice or conflict of law provision or rule (whether of the State of Tennessee or any other jurisdiction).

Any legal suit, action or proceeding arising out of, or related to, these Terms of Use or the Website shall be instituted exclusively in the courts of the State of Tennessee located in the city of Shelbyville and county of Bedford. You waive any and all objections to the exercise of jurisdiction over you by such courts and to venue in such courts.

LIMITATION ON TIME TO FILE CLAIMS

Any cause of action or claim you may have arising out of or relating to these Terms of Use or the Website must be commenced within one (1) year after the cause of action accrues, otherwise, such cause of action or claim is permanently barred.

ENTIRE AGREEMENT

The Terms of Use, our Privacy Policy, Communications Policy, Sweepstakes Rules, and our Loan Terms & Conditions constitute the sole and entire agreement between you and 3D Financial with respect to the Website and supersede all prior representations, understandings, agreements, and warranties, both written and oral, with respect to the Website.