LAGUNA POINT CAPITAL
Terms of Service
Notice:
Please read these terms and conditions carefully. By accessing this site and any pages thereof, you agree to be bound by the terms and conditions below. If you do not agree to the terms and conditions below, do not access this site, or any pages thereof.
Use of Information and Materials
The information and materials contained in these pages, and the terms, conditions, and descriptions that appear, are subject to change. Unauthorized use of the Laguna Point Capital web site and systems including but not limited to unauthorized entry into Laguna Point Capital systems, misuse of passwords, or misuse of any information posted on a site is strictly prohibited. Not all products and services are available in all geographic areas. Your eligibility for particular products and services is subject to final determination by Laguna Point Capital.
No Warranty
The information and materials contained in this site, including text, graphics, links or other items are provided "as is", "as available". Laguna Point Capital does not warrant the accuracy, adequacy or completeness of this information and materials and expressly disclaims liability for errors or omissions in this information and materials. No warranty of any kind, implied, expressed or statutory including but not limited to the warranties of non-infringement of third party rights, title, merchantability, fitness for a particular purpose and freedom from computer virus, is given in conjunction with the information and materials.
Limitation of Liability
In no event will Laguna Point Capital be liable for any damages, including without limitation direct or indirect, special, incidental, or consequential damages, losses or expenses arising in connection with this site or any linked site or use thereof or inability to use by any party, or in connection with any failure of performance, error, omission, interruption, defect, delay in operation or transmission, computer virus or line or system failure, even if Laguna Point Capital, or representatives thereof, are advised of the possibility of such damages, losses or expenses.
Copyright
The Laguna Point Capital logo and all designs, text, graphics, pictures, information, data, software, sound files, other files and the selection and arrangement thereof (collectively, "Site Materials") are the proprietary property of Laguna Point Capital or its licensors or users and are protected by U.S. and international copyright laws.
Submissions
All information submitted to Laguna Point Capital via this site shall be deemed and remain the property of Laguna Point Capital and Laguna Point Capital shall be free to use, for any purpose, any idea, concepts, know-how or techniques contained in information a visitor to this site provides Laguna Point Capital through this site. Laguna Point Capital shall not be subject to any obligations of confidentiality regarding submitted information except as agreed by the Laguna Point Capital entity having the direct customer relationship or as otherwise specifically agreed or required by law.
Availability
This site is not intended for distribution to, or use by, any person or entity in any jurisdiction or country where such distribution or use would be contrary to local law or regulation. By offering this site and information, or any products or services via this site, no distribution or solicitation is made by Laguna Point Capital to any person to use this site, or such information, products or services in jurisdictions where the provision of this site and such information, products and services is prohibited by law.
Additional Terms
Certain sections or pages on this site may contain separate terms and conditions, which are in addition to these terms and conditions. In the event of a conflict, the additional terms and conditions will govern those sections or pages.
Governing Law
Use of this site shall be governed by all applicable federal laws of the United States of America and the laws of the state of California
Loans Provided
The loans available are not mortgage loans, are not originated or funded by Laguna Point Capital, Laguna Point Capital (LPC) and are not affiliated with the loan providers offering them. All loans are subject to credit approval. Programs, rates, terms and conditions are subject to change and may expire without notice. Other restrictions may apply. This advertisement is not a loan disclosure and all disclosures provided after applying should be reviewed carefully. This is not a commitment to provide a loan approval or a specific interest rate. LPC provides research and matching services to individuals interested in obtaining a consumer loan (a loan made to an individual for personal, family, household or investment purposes). LPC does not make credit decisions, fund loans, service loans, or offer any other similar loan services. Furthermore, LPC does not and cannot issue approvals or commitments on any lender’s behalf, in fact lenders will require additional information from consumers in order to complete their loan application. LPC only charges a consulting and advising fee to the consumer, which means the payment of a consulting and advising fee to the Company from the consumer is contingent upon the consumer finding a satisfactory lender from the list generated by LPC, and the exchange of money between lender and consumer. The consumer makes the ultimate decision on whether to move forward with the application from a specific lender on the list provided by LPC, or not move forward at all. LPC does not charge the consumer any money up front and does not collect any money from the consumer unless the consumer successfully obtains a loan from a lender through the services provided by LPC. Personal Loans: Loan amounts vary from $10,000.00 to a maximum of $100,000 and carry a repayment period of 3 to 5 years. Not all lenders are capable of providing loans in the amount of $100,000. Your loan agreement will clearly identify the lender. APR/Interest rates will vary depending on individual lender terms. *Interest rates will vary and are based on lender terms. Ranges from 5%-35.36%. For example, with a credit grade of A1 you could receive a loan of $10,000 with an interest rate of 5% and a 1.11% origination fee of $111 for an APR of 5.74%. In this example you will receive $9,889 and will make 36 monthly payments of $299.66. Your APR will be determined based on your credit at time of application. There is no down payment and there is never a prepayment penalty.