Service Agreement

Introduction and Summary

Below, you will find the details of the agreement which will apply if you use the services of CONSULYTICA. By using the services, you agree to and will be bound by this agreement.

We encourage you to read the entire “Terms and Conditions.” Here is a short summary of your agreement.

  1. We will, at our discretion, use all the personal, payment, billing and financial information you give us, and all the information from your online bank, financial institution, utility companies, landlords, subscriptions, and social media accounts to which you give us access, to:
    1. Provide information to lenders where you are making an application (lenders may access your traditional consumer report through us, to which you consent);
    2. Match your financial information with lenders with which you may not have made an application so that they can decide if they want to offer you a financial service, such as a loan (lenders may access your traditional consumer report through us, to which you consent);
    3. Help our vendors, and other third party advertisers decide whether to send you an advertisement for their non-financial products or services;
    4. Conduct research and analysis;
    5. Add the information to our credit reporting database;
    6. Communicate with you directly.
  2. We will retain the personal, payment, billing and financial information you give us and to which you give us access so long as we are allowed to do so under law.
  3. We encourage you to read the entire “Terms and Conditions” to get the full detail.
  4. If you do not agree to these terms and conditions, please do not use this website.

Terms and Conditions

Consulytica (“CONSULYTICA”), the “Company” “we” or “us”), affords you (“you” “your” or “User”) with access to this website and the products and services available hereunder (collectively, the “Website”), subject to the within terms and conditions (the “Agreement”). We provide account verification, aggregation, analytic tools and proprietary scoring algorithms to help lenders from whom you may seek a loan to determine if to approve your application as well as other financial products and services as described in these Terms and Conditions. This Agreement is between you, the User of this Website and Company. You are using this Website so that Company may create a score for you based on your submitted and gathered personal, payment, billing and financial information and assist a lender to carry out a financial transaction that you have currently requested or applied for, or in support of future applications you may make for a loan with a lender, future requests for another financial product from a financial institution as well as to offer other financial products to you. As a result, a lender may access your traditional consumer report through us, to which you consent. Please read this Agreement carefully before accessing this Website or using any Company product or service. By accessing this Website or using any Company product or service, you confirm that you are over the age of eighteen (18), agree to be legally bound by all terms and conditions of this Agreement and Privacy Policy and consent to be automatically enrolled as a member of CONSULYTICA.

These are the terms regarding the privacy of the personal, payment, billing and financial information you furnish to us through this Website and the personal, payment, billing and financial information we obtain from the online bank, financial institution, utility companies, landlords, subscriptions, and social media accounts to which you give us access. By using this Website, you are consenting to the information collection and use practices described herein. You agree to appoint Company as your agent to act on your behalf to access your online bank, financial institution, utility companies, landlords, subscriptions, and social media accounts and acknowledge that such may be inconsistent with the terms or rules of such institutions. You agree that information you submit shall be as complete and accurate as possible

Privacy Policy

  1. We may collect the following information (all or any portion of which, hereinafter the “Information”):
  2. We will at our discretion, use Information to:
  3. Retention:
  4. Opt Out
  5. Collection
  6. Disclaimer

Company does not make any direct, indirect, manual or automated determinations regarding approval of financial transactions for you. Company verifies your application information and submitted Information with your online bank, financial institution, utility companies, landlords, subscriptions, and social media accounts by requesting current and ninety days of your account history details based on the Information you provided, returns such information to the lender (whom makes the approval determination) from whom you may seek a loan and then retains such Information in its credit reporting systems, for use to help you with your future applications for credit at lenders whom use our credit reporting system or services or as otherwise permitted by the FCRA.  A lender may access your traditional consumer report through us, to which you consent.

  1. Maintenance of Accurate Information
  2. Use of Cookies
  3. Use of Web Beacons
  4. Opting-Out From Cookies

We recognize how important your online privacy is to you, so we offer the following options for controlling the targeted ads you receive from us and our third party vendors:

  1. Limiting Employee Access to Information

All Company employees are educated about the importance of privacy and confidentiality. Only those employees having a legitimate business reason for knowing submitted Information have access to such.

  1. Updates to this Agreement

Company reserves the right to modify this Agreement at any time, with or without notice. Any modifications will become effective immediately upon posting to this Website. You agree that it is your responsibility to visit the Website and review the Agreement periodically to be aware of such modifications, as your continued access or use of this Website shall be deemed your conclusive acceptance of the modified Agreement.

  1. Termination

Company shall have the right to terminate, discontinue, suspend or modify this Website, the products or services at any time, in whole or in part, with or without notice, at Company’s sole discretion and you agree that Company shall have no liability for doing so. In addition, Company may, in its sole discretion, refuse or restrict its products or services to anyone at any time. Further, Company reserves the right to investigate, involve and cooperate with appropriate investigatory departments or authorities regarding any suspected or actual fraudulent or other illegal or unauthorized activities involving this Website, products or services and to disclose any information necessary for such purpose.

  1. Ownership and Trademarks
  2. Disclaimer of Warranties

THE WEBSITE, SERVICES AND PRODUCTS THEREIN ARE PROVIDED TO YOU ON AN “AS IS” AND “AS AVAILABLE” BASIS AND ALL WARRANTIES, EXPRESS AND IMPLIED, ARE DISCLAIMED TO THE FULLEST EXTENT PERMISSIBLE PURSUANT TO APPLICABLE LAW (INCLUDING, BUT NOT LIMITED TO, THE DISCLAIMER OF ANY WARRANTIES OF MERCHANTABILITY, NON-INFRINGEMENT OF INTELLECTUAL PROPERTY AND/OR FITNESS FOR A PARTICULAR PURPOSE). IN PARTICULAR, BUT NOT AS A LIMITATION THEREOF, COMPANY MAKES NO WARRANTY THAT: (A) THE WEBSITE, PRODUCTS OR SERVICES WILL MEET YOUR REQUIREMENTS: (B) THE WEBSITE, PRODUCTS OR SERVICES WILL BE UNINTERRUPTED, CONTINUOUS, TIMELY, SECURE OR ERROR-FREE; OR (C) THE RESULTS THAT MAY BE OBTAINED FROM THE USE OF THE WEBSITE OR SERVICES WILL BE ACCURATE OR RELIABLE. THE WEBSITE, PRODUCTS OR SERVICES MAY CONTAIN BUGS, ERRORS, PROBLEMS OR OTHER LIMITATIONS. COMPANY WILL NOT BE LIABLE FOR THE AVAILABILITY OF THE UNDERLYING INTERNET CONNECTION ASSOCIATED WITH THE WEBSITE, PRODUCTS OR SERVICES. NO ADVICE OR INFORMATION, WHETHER ORAL OR WRITTEN, OBTAINED BY YOU FROM COMPANY OR THROUGH OR FROM THE WEBSITE, PRODUCTS OR SERVICES SHALL CREATE ANY WARRANTY NOT EXPRESSLY STATED HEREIN.

  1. Limitation of Liability

YOU EXPRESSLY UNDERSTAND AND AGREE THAT COMPANY SHALL NOT BE LIABLE TO YOU OR ANY THIRD PARTY FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL AND/OR EXEMPLARY DAMAGES INCLUDING, BUT NOT LIMITED TO, PERSONAL INJURY OR DEATH, DAMAGES FOR LOSS OF PROFITS, GOODWILL, USE, DATA OR OTHER INTANGIBLE LOSSES (EVEN IF COMPANY HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES), TO THE FULLEST EXTENT PERMISSIBLE BY LAW FOR: (A) ANY COMMUNICATION LINE, COMPUTER, SYSTEM, INTERNET, SERVER, EQUIPMENT, SOFTWARE OR E-MAIL FAILURE, MALFUNCTION, ERROR, OMISSION, INTERRUPTION, DELETION, DEFECT, DELAY IN OPERATION OR TRANSMISSION; (B) THE USE OR THE INABILITY TO USE THE WEBSITE, OR ANY PRODUCT AND/OR SERVICE OFFERED VIA THE WEBSITE; (C) ANY MATTER RELATING TO ANY PROMOTIONS THAT MAY BE AVAILABLE VIA THE WEBSITE; (D) THE COST OF PROCUREMENT OF SUBSTITUTE GOODS AND SERVICES RESULTING FROM ANY PROBLEM(S) WITH THE GOODS, DATA, INFORMATION AND/OR SERVICES PURCHASED OR OBTAINED FROM THE WEBSITE, OR TRANSACTIONS ENTERED INTO, THROUGH OR FROM THE WEBSITE; OR (E) THE UNAUTHORIZED ACCESS TO, OR ALTERATION OF, YOUR SUBMITTED INFORMATION. THIS LIMITATION APPLIES TO ALL CAUSES OF ACTION, IN THE AGGREGATE INCLUDING, BUT NOT LIMITED TO, BREACH OF CONTRACT, BREACH OF WARRANTY, NEGLIGENCE, STRICT LIABILITY, MISREPRESENTATIONS, AND ANY AND ALL OTHER TORTS. YOU HEREBY RELEASE COMPANY, AND ITS SUPPLIERS, FROM ANY AND ALL OBLIGATIONS, LIABILITIES, AND CLAIMS IN EXCESS OF THE LIMITATIONS STATED HEREUNDER. IF APPLICABLE LAW DOES NOT PERMIT SUCH LIMITATIONS, THE MAXIMUM LIABILITY OF COMPANY TO YOU UNDER ANY AND ALL CIRCUMSTANCES WILL BE EQUAL TO THE AMOUNTS YOU PAID, IF ANY, FOR ANY PRODUCTS AND/OR SERVICES. YOU HEREBY RELEASE COMPANY FROM ANY AND ALL OBLIGATIONS, LIABILITIES AND CLAIMS IN EXCESS OF THE LIMITATIONS SET FORTH IN THIS SECTION. THE NEGATION OF DAMAGES SET FORTH ABOVE IS A FUNDAMENTAL ELEMENT OF THE BASIS OF THE BARGAIN BETWEEN YOU AND COMPANY. THE WEBSITE, PRODUCTS AND SERVICES WOULD NOT BE PROVIDED TO YOU WITHOUT SUCH LIMITATIONS.

  1. Legal Warning
  2. Resolution of Claims and Disputes; Arbitration

We will try work in good faith to resolve any issue you have with this Website and the products and services available hereunder, if you timely bring the issue to our attention. However, we realize that there may be rare cases when we may not be able to resolve an issue to your complete satisfaction. In those instances, you agree that any dispute or claim arising out of or relating in any way to your use of this Website and the products and services available hereunder, must be resolved exclusively by binding arbitration. The only exception would be if you have violated or threatened to violate the intellectual property rights of Company or any third party, in which case Company, or such third party may go to court to seek an injunction or other appropriate relief.

The arbitration will be conducted before a single arbitrator in accordance with the rules of the American Arbitration Association (“AAA”). No claims of any other parties may be joined or otherwise combined in the arbitration proceeding. In other words, you agree that you will not be allowed to file a class action or any kind of class or joint arbitration regarding Company, this Website and the products and services available hereunder.

Each party is responsible for its own attorneys’ fees without regard to which party is deemed the prevailing party in the arbitration proceeding. Except for punitive and consequential damages (which the arbitrator is not authorized to award), and subject to the terms and conditions of this Agreement, the arbitrator is authorized to award either party any money damages or any provisional or equitable remedy permitted by applicable law.

If this arbitration provision is held to be invalid or otherwise unenforceable for any reason, it will be severed from this Agreement and the parties agree that exclusive jurisdiction and venue for any claims will be in the state or federal courts in North Carolina.

You agree that, even if a statute of limitations or other law provides for a longer time period, any action against Company, their officers, directors, shareholders, employees, attorneys, agents, contractors, licensors, suppliers and any third party providers of information, products, or services relating to this Website or any information, products, or services available on or from this Website must be brought within twelve (12) months after the event that gave rise to the cause of action or it is forever barred.

BECAUSE YOUR USE OF THIS WEBSITE REQUIRES THAT YOU CONSENT TO ARBITRATION OF YOUR CLAIMS OR DISPUTES, YOU WILL NOT HAVE THE RIGHT TO PURSUE YOUR CLAIM IN COURT OR BEFORE A JUDGE OR JURY OR TO PARTICIPATE IN A CLASS ACTION OR ANY OTHER COLLECTIVE OR REPRESENTATIVE PROCEEDING. THE ARBITRATOR’S DECISION WILL BE FINAL AND BINDING. OTHER RIGHTS THAT EITHER PARTY WOULD HAVE IF THAT PARTY WENT TO COURT, INCLUDING WITHOUT LIMITATION THE RIGHT TO CONDUCT DISCOVERY OR TO APPEAL, MAY BE LIMITED OR UNAVAILABLE IN ARBITRATION. IF ANY COURT WERE TO FIND THAT THIS ARBITRATION CLAUSE WERE UNENFORCEABLE FOR ANY REASON, THEN YOU AGREE TO PURSUE YOUR CLAIM EXCLUSIVELY IN A STATE OR FEDERAL COURT IN NEW JERSEY AND AGREE THAT A JUDGE RATHER THAN A JURY IS TO ADJUDICATE YOUR CLAIM.

  1. Acknowledgement and Acceptance