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Welcome to The OLiPL Network!
1. Your relationship with The OLiPL Network
1.1 Your use of OLiPL Network's products, software, services and web sites
(referred to collectively as the "Services" in this document and excluding any services
provided to you by OLiPL under a separate written agreement) is subject to the terms of a legal
agreement between you and OLiPL. "OLiPL" means web site
http://www.online-low-interest-personal-loans.com
whose principal place of business is located in the state of Maryland, USA. This document explains
how the agreement is made up, and sets out some of the terms of that agreement.
1.2 Unless otherwise agreed in writing with OLiPL, your agreement with OLiPL will always include,
at a minimum, the terms and conditions set out in this document. These are referred to below
as the "Universal Terms".
1.3 Your agreement with OLiPL will also include the terms of any Legal Notices applicable to the
Services, in addition to the Universal Terms. All of these are referred to below as the
"Additional Terms". Where Additional Terms apply to a Service, these will be accessible for you
to read either within, or through your use of, that Service.
1.4 The Universal Terms, together with the Additional Terms, form a legally binding agreement between
you and OLiPL in relation to your use of the Services. It is important that you take the time
to read them carefully. Collectively, this legal agreement is referred to below as the "Terms".
1.5 If there is any contradiction between what the Additional Terms say and what the Universal Terms
say, then the Additional Terms shall take precedence in relation to that Service.
2. Accepting the Terms
2.1 In order to use the Services, you must first agree to the Terms. You may not use the Services
if you do not accept the Terms.
2.2 You can accept the Terms by:
(A) clicking to accept or agree to the Terms, where this option is made available to you by OLiPL
in the user interface for any Service; or
(B) by actually using the Services. In this case, you understand and agree that OLiPL will treat
your use of the Services as acceptance of the Terms from that point onwards.
2.3 You may not use the Services and may not accept the Terms if (a) you are not of legal age to form
a binding contract with OLiPL, or (b) you are a person barred from receiving the Services under
the laws of the United States or other countries including the country in which you are resident
or from which you use the Services.
2.4 Before you continue, you should print off or save a local copy of the Universal Terms for your
records.
3. Language of the Terms
3.1 OLiPL will only provide an English language version of the Terms. You must agree that the English
language version of the Terms will govern your relationship with OLiPL.
3.2 There are no future plans to provide a foreign language version of the Terms.
4. Use of the Services by you
4.1 In order to access certain Services, you may be required to provide information about yourself
(such as identification or contact details) as part of the registration process for the Service,
or as part of your continued use of the Services. You agree that any registration information
you give to OLiPL will always be accurate, correct and up to date.
4.2 You agree to use the Services only for purposes that are permitted by
(a) the Terms and
(b) any applicable law, regulation or generally accepted practices or guidelines in the relevant
jurisdictions (including any laws regarding the export of data or software to and from the
United States or other relevant countries).
4.3 You agree not to access (or attempt to access) any of the Services by any means other than through
the interface that is provided by OLiPL, unless you have been specifically allowed to do so in a
separate agreement with OLiPL. You specifically agree not to access (or attempt to access) any of
the Services through any automated means (including use of scripts or web crawlers).
4.4 You agree that you will not engage in any activity that interferes with or disrupts the Services
(or the servers and networks which are connected to the Services).
4.5 Unless you have been specifically permitted to do so in a separate agreement with OLiPL, you agree
that you will not reproduce, duplicate, copy, sell, trade or resell the Services for any
purpose.
4.6 You agree that you are solely responsible for (and that OLiPL has no responsibility to you or to
any third party for) any breach of your obligations under the Terms and for the consequences
(including any loss or damage which OLiPL may suffer) of any such breach.
5. Provision of the Services by OLiPL
5.1 OLiPL has affiliated legal entities around the world ("Affiliates"). Sometimes, these companies
will be providing the Services to you on behalf of OLiPL itself. You acknowledge and agree that
Affiliates will be entitled to provide the Services to you.
5.2 OLiPL is constantly innovating in order to provide the best possible experience for its users.
You acknowledge and agree that the form and nature of the Services which OLiPL provides may
change from time to time without prior notice to you.
5.3 As part of this continuing innovation, you acknowledge and agree that OLiPL may stop
(permanently or temporarily) providing the Services (or any features within the Services) to
you or to users generally at OLiPL's sole discretion, without prior notice to you. You may stop
using the Services at any time. You do not need to specifically inform OLiPL when you stop
using the Services.
5.4 You acknowledge and agree that while OLiPL may not currently have set a fixed upper limit on the
number of transmissions you may send or receive through the Services or on the amount of storage
space used for the provision of any Service, such fixed upper limits may be set by OLiPL at any
time, at OLiPL's discretion.
6. Your passwords and account security
6.1 While accessing the Services and while using available third-party web links, you may be
required to create a user account name and password.
6.2 You agree and understand that you are responsible for maintaining the confidentiality of
user names and passwords associated with any account you use to access the Services.
6.3 Accordingly, you agree that you will be solely responsible to OLiPL for all activities that occur
under your account.
6.4 If you become aware of any unauthorized use of your password or of your account, you agree to
notify OLiPL immediately at the following URL:
http://contacts.online-low-interest-personal-loans.com.
7. Privacy and your personal information
7.1 For information about OLiPL's data protection practices, please read OLiPL's privacy policy at
http://privacy.online-low-interest-personal-loans.com.
This policy explains how OLiPL treats your personal information, and protects your privacy,
when you use the Services.
7.2 You agree to the use of your data in accordance with OLiPL's privacy policies.
8. Content in the Services
8.1 You understand that all information (such as data files, written text, computer software,
photographs, or other images) which you may have access to as part of, or through your use of,
the Services are the sole responsibility of the person from which such content originated.
All such information is referred to below as the "Content".
8.2 Accuracy and efficacy of the Content provided as part of the Services is considered
to be "best practice" possible. Should you disagree with statements provided as part
of the Services, please contact The OLiPL Network at the following link with your
comments and requests. Your subject line should contain the word "Content". Our
support staff will respond in a timely manner to all requests for Service improvements
and correctness.
http://contacts.online-low-interest-personal-loans.com.
8.3 You should be aware that Content presented to you as part of the Services, including but not
limited to advertisements in the Services and sponsored Content within the Services may be
protected by intellectual property rights which are owned by the sponsors or advertisers who
provide that Content to OLiPL (or by other persons or companies on their behalf). You may not
modify, rent, lease, loan, sell, distribute or create derivative works based on this Content
(either in whole or in part) unless you have been specifically told that you may do so by OLiPL
or by the owners of that Content, in a separate agreement.
8.4 OLiPL reserves the right (but shall have no obligation) to pre-screen, review, flag, filter,
modify, refuse or remove any or all Content from any Service.
8.5 You understand that by using the Services you may be exposed to Content that you may find
offensive, indecent or objectionable and that, in this respect, you use the Services at your
own risk.
8.6 You agree that you are solely responsible for (and that OLiPL has no responsibility to you or to
any third party for) any Content that you create, transmit or display while using the Services
and for the consequences of your actions (including any loss or damage which OLiPL may suffer)
by doing so.
9. Proprietary rights
9.1 You acknowledge and agree that OLiPL (or OLiPL's licensors) own all legal right, title and
interest in and to the Services, including any intellectual property rights which subsist in the
Services (whether those rights happen to be registered or not, and wherever in the world those
rights may exist). You further acknowledge that the Services may contain information which is
designated confidential by OLiPL and that you shall not disclose such information without
OLiPL's prior written consent.
9.2 Unless you have agreed otherwise in writing with OLiPL, nothing in the Terms gives you a right to
use any of OLiPL's trade names, trade marks, service marks, logos, domain names, and other
distinctive brand features.
9.3 If you have been given an explicit right to use any of these brand features in a separate written
agreement with OLiPL, then you agree that your use of such features shall be in compliance with
that agreement.
9.4 You agree that you shall not remove, obscure, or alter any proprietary rights notices
(including copyright and trade mark notices) which may be affixed to or contained within the
Services.
9.5 Unless you have been expressly authorized to do so in writing by OLiPL, you agree that in using
the Services, you will not use any trade mark, service mark, trade name, logo of any company or
organization in a way that is likely or intended to cause confusion about the owner or
authorized user of such marks, names or logos.
10. License from OLiPL
10.1 OLiPL gives you a personal, worldwide, royalty-free, non-assignable and non-exclusive licence
to use the software provided to you by OLiPL as part of the Services as provided to you by
OLiPL (referred to as the "Software" below). This licence is for the sole purpose of enabling
you to use and enjoy the benefit of the Services as provided by OLiPL, in the manner permitted
by the Terms.
10.2 You may not (and you may not permit anyone else to) copy, modify, create a derivative work of,
reverse engineer, decompile or otherwise attempt to extract the source code of the Software or
any part thereof, unless this is expressly permitted or required by law, or unless you have
been specifically told that you may do so by OLiPL, in writing.
10.3 Unless OLiPL has given you specific written permission to do so, you may not assign (or grant a
sub-licence of) your rights to use the Software, grant a security interest in or over your
rights to use the Software, or otherwise transfer any part of your rights to use the
Software.
11. Content licence from you
11.1 You retain copyright and any other rights you already hold in Content which you submit, post or
display on or through, the Services. By submitting, posting or displaying the content you
give OLiPL a perpetual, irrevocable, worldwide, royalty-free, and non-exclusive licence to
reproduce, adapt, modify, publish, publicly perform, publicly display and distribute
any Content which you submit, post or display on or through, the Services. This licence is for
the sole purpose of enabling OLiPL to display, distribute and promote the Services and may be
revoked for certain Services as defined in the Additional Terms of those Services.
11.2 You agree that this licence includes a right for OLiPL to make such Content available to other
companies, organizations or individuals with whom OLiPL has relationships for the provision of
syndicated services, and to use such Content in connection with the provision of those
services.
11.3 You understand that OLiPL, in performing the required technical steps to provide the Services
to our users, may (a) transmit or distribute your Content over various public networks and in
various media; and (b) make such changes to your Content as are necessary to conform and adapt
that Content to the technical requirements of connecting networks, devices, services or media.
You agree that this licence shall permit OLiPL to take these actions.
11.4 You confirm and warrant to OLiPL that you have all the rights, power and authority necessary to
grant the above licence.
12. Software updates
12.1 The web software which you use may automatically download and install web updates from time to
time from OLiPL. These updates are designed to improve, enhance and further develop the
Services and may take the form of bug fixes, enhanced functions, new software modules and
completely new versions. You agree to receive such updates
(and permit OLiPL to deliver these to you) as part of your use of the Services.
13. Ending your relationship with OLiPL
13.1 The Terms will continue to apply until terminated by either you or OLiPL as set out below.
13.2 If you want to terminate your legal agreement with OLiPL, you may do so by
(a) notifying OLiPL at any time and
(b) closing your accounts for all of the Services which you use, where OLiPL has made this
option available to you. Your notice should be sent to OLiPL's email address as
follows:
http://contacts.online-low-interest-personal-loans.com.
13.3 OLiPL may at any time, terminate its legal agreement with you if:
(A) you have breached any provision of the Terms (or have acted in a manner which clearly shows that
you do not intend to, or are unable to comply with the provisions of the Terms); or
(B) OLiPL is required to do so by law (for example, where the provision of the Services to you is,
or becomes, unlawful); or
(C) the partner with whom OLiPL offered the Services to you has terminated its relationship with
OLiPL or ceased to offer the Services to you; or
(D) OLiPL is transitioning to no longer providing the Services to users in the country in which
you are resident or from which you use the service; or
(E) the provision of the Services to you by OLiPL is, in OLiPL's opinion, no longer commercially
viable.
13.4 Nothing in this Section shall affect OLiPL's rights regarding provision of Services under
Section 5 of the Terms.
13.5 When these Terms come to an end, all of the legal rights, obligations and liabilities that you
and OLiPL have benefited from, been subject to (or which have accrued over time while the
Terms have been in force) or which are expressed to continue indefinitely, shall be unaffected
by this cessation, and the provisions of paragraph 20.6 shall continue to apply to such rights,
obligations and liabilities indefinitely.
14. Copyright and trade mark policies
14.1 It is OLiPL's policy to respond to notices of alleged copyright infringement that comply with
applicable international intellectual property law (including, in the United States, the
Digital Millennium Copyright Act) and to terminating the accounts of repeat infringers.
14.2 OLiPL operates a trade mark complaints procedure in respect of OLiPL's advertising business.
Complaints should be sent to OLiPL using the Contact form at the following URL:
http://contacts.online-low-interest-personal-loans.com.
Please enter the phrase "Copyright Complaint" in the subject line of the email.
15. Limitation of Liability
15.1 Subject to overall provision in paragraph 16.1 below, you expressly understand and agree that
OLiPL, its affiliates, and its licensors shall not be liable to you for:
(a) Any direct, indirect, incidental, special consequential or exemplary damages which may be
incurred by you, however caused and under any theory of liability. This shall include,
but not be limited to, any loss of profit (whether incurred directly or indirectly), any
loss of goodwill or business reputation, any loss of data suffered, cost of procurement of
substitute goods or services, or other intangible loss;
(b) Any loss or damage which may be incurred by you, including but not limited to loss or
damage as a result of:
(i) Any reliance placed by you on the completeness, accuracy or
existence of any advertising, or as a result of any relationship or transaction
between you and any advertiser or sponsor whose advertising appears on the
services;
(ii) Any changes which OLiPL may make to the services, or for any permanent or
temporary cessation in the provision of the services (or any features within the
services);
(iii) The deletion of, corruption of, or failure to store, any content and other
communications data maintained or transmitted by or through your use of the
services;
(iv) Your failure to provide OLiPL with accurate account information;
(v) Your failure to keep your password or account details secure and
confidential;
15.2 The limitations on OLiPL's liability to you in paragraph 15.1 above shall apply whether or not
OLiPL has been advised of or should have been aware of the possibility of any such losses
arising.
16. Exclusion of Warranties
16.1 Nothing in these terms, including sections 15 and 16, shall exclude or limit OLiPL's warranty or
liability for losses which may not be lawfully excluded or limited by applicable law. Some
jurisdictions do not allow the exclusion of certain warranties or conditions or the limitation
or exclusion of liability for loss or damage caused by negligence, breach of contract or breach
of implied terms, or incidental or consequential damages. Accordingly, only the limitations
which are lawful in your jurisdiction will apply to you and our liability will be limited to
the maximum extent permitted by law.
16.2 You expressly understand and agree that your use of the Services is at your sole risk and that
the Services are provided "as is" and "as available."
16.3 In particular, OLiPL, its affiliates, and its licensors do not represent or warrant to you
that:
(a) Your use of the Services will meet your requirements,
(b) Your use of the Services will be uninterrupted, timely, secure or free from error,
(c) Any information obtained by you as a result of your use of the Services will be accurate
or reliable, and
(d) That defects in the operation or functionality of any software provided to you as part of
the Services will be corrected.
16.4 Any material downloaded or otherwise obtained through the use of the Services is done at your
own discretion and risk and that you will be solely responsible for any damage to your computer
system or other device or loss of data that results from the download of any such material.
16.5 No advice or information, whether oral or written, obtained by you from OLiPL or through or from
the Services shall create any warranty not expressly stated in the terms.
16.6 OLiPL further expressly disclaims all warranties and conditions of any kind, whether express or
implied, including, but not limited to the implied warranties and conditions of merchantability,
fitness for a particular purpose and non-infringement.
17. Advertisements
17.1 Some of the Services are supported by advertising revenue and may display advertisements and
promotions. These advertisements may be targeted to the content of information stored on the
Services, queries made through the Services or other information.
17.2 The manner, mode and extent of advertising by OLiPL on the Services are subject to change
without specific notice to you.
17.3 In consideration for OLiPL granting you access to and use of the Services, you agree that OLiPL
may place such advertising on the Services.
18. Other content
18.1 The Services may include hyperlinks to other web sites or content or resources. OLiPL may have
no control over any web sites or resources which are provided by companies or persons other
than OLiPL.
18.2 You acknowledge and agree that OLiPL is not responsible for the availability of any such external
sites or resources, and does not endorse any advertising, products or other materials on or
available from such web sites or resources.
18.3 You acknowledge and agree that OLiPL is not liable for any loss or damage which may be incurred
by you as a result of the availability of those external sites or resources, or as a result of
any reliance placed by you on the completeness, accuracy or existence of any advertising,
products or other materials on, or available from, such web sites or resources.
19. Changes to the Terms
19.1 OLiPL may make changes to the Universal Terms or Additional Terms from time to time. When these
changes are made, OLiPL will make a new copy of the Universal Terms and Additional Terms
available at the following URL:
http://tos.online-low-interest-personal-loans.com.
19.2 You understand and agree that if you use the Services after the date on which the Universal
Terms or Additional Terms have changed, OLiPL will treat your use as acceptance of the updated
Universal Terms or Additional Terms.
20. General legal terms
20.1 Sometimes when you use the Services, you may (as a result of, or through your use of the
Services) use a service or download a piece of software, or purchase goods, which are provided
by another person or company. Your use of these other services, software or goods may be subject
to separate terms between you and the company or person concerned. If so, the Terms do not
affect your legal relationship with these other companies or individuals.
20.2 The Terms constitute the whole legal agreement between you and OLiPL and govern your use of the
Services (but excluding any services which OLiPL may provide to you under a separate written
agreement), and completely replace any prior agreements between you and OLiPL in relation to
the Services.
20.3 You agree that OLiPL may provide you with notices, including those regarding changes to the
Terms, by email, regular mail, or postings on the Services.
20.4 You agree that if OLiPL does not exercise or enforce any legal right or remedy which is contained
in the Terms (or which OLiPL has the benefit of under any applicable law), this will not be
taken to be a formal waiver of OLiPL's rights and that those rights or remedies will still be
available to OLiPL.
20.5 If any court of law, having the jurisdiction to decide on this matter, rules that any provision
of these Terms is invalid, then that provision will be removed from the Terms without affecting
the rest of the Terms. The remaining provisions of the Terms will continue to be valid and
enforceable.
20.6 The Terms, and your relationship with OLiPL under the Terms, shall be governed by the laws of the
State of Maryland, USA, without regard to its conflict of laws provisions. You and OLiPL agree to
submit to the exclusive jurisdiction of the courts located within the County of Baltimore,
Maryland, USA, to resolve any legal matter arising from the Terms. Notwithstanding this, you
agree that OLiPL shall still be allowed to apply for injunctive remedies (or an equivalent type
of urgent legal relief) in any jurisdiction.
20.7 You acknowledge and agree that each member of the group of companies of which OLiPL is the parent
shall be third party beneficiaries to the Terms and that such other companies shall be entitled
to directly enforce, and rely upon, any provision of the Terms which confers a benefit on
(or rights in favor of) them. Other than this, no other person or company shall be third party
beneficiaries to the Terms.
Last updated: June 17, 2009
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