Permissible Use. Unless you are acting in your business or professional capacity, you agree to use the Services for your personal use, and your commercial use is limited to transactions done on your own behalf. Subject to the restrictions set forth in the following paragraphs, you may copy information from the Services only as necessary for your personal use to view, save, print, fax and/or e-mail such information. You agree otherwise not to reproduce, modify, distribute, display or otherwise provide access to, create derivative works from, decompile, disassemble or reverse engineer any portion of the Services.
You acknowledge and agree that Great Percent will have no obligation to provide you with any support or maintenance in connection with the Services.
Restrictions and Additional Terms. You agree not to remove or modify any copyright or other intellectual property that appear in the Services. You will not use the Services for resale, service bureau, time-sharing or other similar purposes. Further:
Automated Queries. Automated queries (including screen and database scraping, spiders, robots, crawlers and any other automated activity with the purpose of obtaining information from the Services) are strictly prohibited on the Services, unless you have received express written permission from Great Percent. As a limited exception, publicly available search engines and similar Internet navigation tools (“Search Engines”) may query the Services and provide an index with links to the Services’ Web pages, only to the extent such unlicensed “fair use” is allowed by applicable copyright law. Search Engines are not permitted to query or search information protected by a security verification system (“captcha”) which limits access to human users.
You authorize Great Percent to provide your name, address and contact information and other identifying information you provide to third-parties. You may receive telephone calls or electronic communications from or on behalf of the Great Percent or third-parties at the telephone number(s) you provide.
Materials You Provide; Account Use; Privacy; Third Party Web Sites. For materials you post or otherwise provide to Great Percent in connection with the Services or related to the Services (your “Submission”), you grant Great Percent an irrevocable, perpetual, royalty-free worldwide license to (a) use, copy, distribute, transmit, publicly display, publicly perform, reproduce, edit, modify, prepare derivative works of or incorporate into other works, and translate your Submission, in connection with the Services or in any other media, and (b) sublicense these rights, to the maximum extent permitted by applicable law. Great Percent will not pay you for your Submission or to exercise any rights related to your Submission set forth in the preceding sentence. Great Percent may remove or modify your Submission at any time and for any reason. For each Submission, you agree to provide accurate and complete information and represent that you have all rights necessary to grant Great Percent the rights in this paragraph, that Great Percent’s use of the Submission will not infringe any third party rights and that the Submission complies with Sections 1 and 2 above. You are solely responsible for all Submissions made through your user account(s) on the Services or that you otherwise make available through the Services.
You understand and agree that the Services may include advertisements, and that these are necessary to support the Services. To help make the advertisements relevant and useful to you, Great Percent may serve advertisements based on the information we collect from you or in relation to your interaction on our site. See the Privacy Section for more details.
The Role of Great Percent; Disclaimer. Great Percent is not a lender; a licensed broker or agent in any state. Great Percent does not act as an agent or fiduciary for you or any other user. Great Percent does not sell, buy, or negotiate loans. Great Percent does not and is not responsible for and makes no warranties or representations pertaining to the any broker or lender hired through the Services. Great Percent does not endorse or recommend the products of any particular broker or lender or third party service provider, unless explicitly recommended or endorsed. Nothing contained in the Services is an offer to lend money. Great Percent is not an agent of either any consumer or broker or lending professional. Great Percent is only providing an administrative service to consumers and lending professionals. Great Percent assumes no responsibility for any result or consequence related directly or indirectly to any action or inaction that consumers take based on the Services, including and any other information available there.
Great Percent is free to borrowers. For lending professionals, the service fees we charge for using our Services are based on a separated integrated agreement.
Lending professionals must have a payment method on file when using the Services and pay all fees and applicable taxes associated with our Services by the payment due date. If your payment method fails or your account is past due, we may collect fees owed by charging other payment methods on file with us, retaining collection agencies and legal counsel. In addition, you will be subject to late fees equal to two (2%) percent per month (up to the maximum amount permissible by law) and collections fees or the collection agencies we retain, may also report information about your account to credit bureaus, and as a result, late payments, missed payments, or other defaults on your account may be reflected in your credit report. To protect Great Percent from risk of non-payment, a hold may be placed on your payment method to secure your payment. Great Percent may terminate Services immediately upon non-payment.
The lending professionals participating on the Services are solely responsible for their services to consumers. Great Percent shall not be liable for any damages or costs of any type arising out of or in any way connected with any consumers’ use of the Services, or the services offered by lending professionals. Great Percent is not responsible for any errors, misrepresentations or delays caused by consumers or any lending professionals. Great Percent reserves the right, at any time and in its sole discretion, to discontinue, suspend, or terminate the participation of any consumer, lending professional or other user from the Services at any time, for any reason. Consumers should confirm credentials if they choose to move forward with a lending professional. Lending professional pay a fee to Great Percent to use the Services. Such fees are not considered part of any loan transaction.
Linked Materials and Third-Party Materials. The Services include links to third-party products, services and websites, as well as materials provided by third parties. Great Percent does not endorse, and takes no responsibility for such products, services, websites, and materials. You understand that Great Percent has no obligation to, and generally does not, approve or monitor materials provided by third parties through the Services. Your dealings with any third party arising in connection with the Services are solely between you and such third party, and Great Percent takes no responsibility for any damages or costs of any type arising out of or in any way connected with your dealings with these third parties.
Claims of Copyright Infringement. Great Percent respects the intellectual property rights of others, and asks that everyone using the Services do the same. Anyone who believes that their work has been reproduced on the Services in a way that constitutes copyright infringement may notify Great Percent’s copyright agent in accordance with Title 17, United States Code, Section 512(c)(2), by providing the following information:
Identification of the copyrighted work that you claim has been infringed;
Identification of the material that you claim is infringing and needs to be removed, including a description of where it is located on the Services so that the copyright agent can locate it;
Your address, telephone number, and, if available, e-mail address, so that the copyright agent may contact you about your complaint; and
A signed statement that the above information is accurate; that you have a good faith belief that the identified use of the material is not authorized by the copyright owner, its agent, or the law; and, under penalty of perjury, that you are the copyright owner or are authorized to act on the copyright owner’s behalf in this situation.
Notices of copyright infringement claims should be sent as follows:
Great Percent Agency
1000 S Lenola Road, Building One, Suite 105, Maple Shade, NJ 08052
By e-mail: DMCA to [email protected]
By facsimile: (856) 600-4455
If you give notice of copyright infringement by e-mail, we may begin investigating the alleged copyright infringement; however, we must receive your signed statement by mail or as an attachment to your e-mail before we are required to take any action.
NO WARRANTY. GREAT PERCENT PROVIDES THE SERVICES “AS IS,” “WITH ALL FAULTS” AND “AS AVAILABLE,” AND THE ENTIRE RISK AS TO SATISFACTORY QUALITY, PERFORMANCE, ACCURACY, AND EFFORT IS WITH YOU. TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, GREAT PERCENT AND ITS SUPPLIERS MAKE NO REPRESENTATIONS, WARRANTIES OR CONDITIONS, EXPRESS OR IMPLIED. GREAT PERCENT AND ITS SUPPLIERS EXPRESSLY DISCLAIM ANY AND ALL WARRANTIES OR CONDITIONS, EXPRESS, STATUTORY AND IMPLIED, INCLUDING WITHOUT LIMITATION (A) WARRANTIES OR CONDITIONS OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, WORKMANLIKE EFFORT, ACCURACY, TITLE, QUIET ENJOYMENT, NO ENCUMBRANCES, NO LIENS AND NON-INFRINGEMENT, (B) WARRANTIES OR CONDITIONS ARISING THROUGH COURSE OF DEALING OR USAGE OF TRADE, AND (C) WARRANTIES OR CONDITIONS OF UNINTERRUPTED OR ERROR-FREE ACCESS OR USE.
If you are a California resident, you may report complaints to the Complaint Assistance Unit of the Division of Consumer Product of the California Department of Consumer Affairs by contacting them in writing at 400 R Street, Sacramento, CA 95814, or by telephone at (800) 952-5210.
You release Great Percent, its affiliates, and their respective directors, officers, employees and agents from all liability related to any and all claims and demands you may assert against any third party arising out of the Services. If you are a California resident, you waive California Civil Code Section 1542, which states, “A general release does not extend to claims which the creditor does not know or suspect to exist in his or her favor at the time of executing the release, which if known by him or her must have materially affected his or her settlement with the debtor.”
— Updated November 1, 2019
At Great Percent, LLC (“Great Percent” or “we” or “us” or “our”), we value users’ privacy. Our website, our mobile and desktop applications, our other properties and/or our related services are collectively known as the “Services,” or, each individually, a “Service”. Great Percent respects your privacy and is committed to protecting your personal information.
Generally, Great Percent does not use advertising. However, from time to time the Services may be supported by advertising revenue. If we use advertising, we will try to make advertisements relevant and useful to you. Therefore, we may serve advertisements to you based on the information we collect from you or in relation to your interaction with the Services.
We keep information private between you and Great Percent, except as explained below.
Collection of Information
When you use the Services, we collect a variety of information.
Information you provide. When using the Services, you may provide information about yourself, such as name, address, phone number, email, and details around a potential loan transaction. This may occur, for example, when you register on the Services, provide information via the Services, speak to a Great Percent representative, engage with us on Social Media or complete other forms. You may also provide information if you communicate via email or SMS or the like. We may combine this information with other information we collect from your interaction with the Services or from other companies.
Mobile Device and Mobile Browser. You may adjust settings on your mobile device and mobile browser regarding cookies and sharing of certain information, such as your mobile device model or the language your mobile device uses, by adjusting the privacy and security settings on your mobile device. Please refer to the instructions provided by your mobile service provider or mobile device manufacturer.
Usage logs. When you use the Services, your computer or other electronic device communicates a variety of information to computer servers, including the existence of cookies, your Internet Protocol address, and information about your browser program. We also create a record of what information you are requesting, such as the page or subject areas you’re visiting.
Calls to Great Percent or to third parties through Great Percent may be recorded or monitored for quality assurance and customer service purposes. If a call is recorded between you and a third party, it will be deemed private information of both you and the third party, and may be released to either of you.
Usage and Disclosure
In general, Great Percent uses the information collected from you to communicate with you and operate our Services. Great Percent also uses this information to respond to your requests and present you with advertising that we believe will be of interest or useful to you.
Your privacy is important and we are committed to protecting information that identifies you personally, where you have chosen to keep it private (“Personal Information”). We will only share Personal Information that you provide outside the public areas of the Services in the following circumstances:
When you consent or direct Great Percent to share the Personal Information. For example, if you choose to contact a lender or broker through the Services, your name and email address and other information will appear to the recipient of the message
Merger or sale. If and when Great Percent is involved in a merger, acquisition, or any form of transfer or sale of some or all of its business, whether as a going concern or as part of bankruptcy, liquidation, or similar proceeding. Personal Information may be transferred along with the business.
Email and Telephone Calls
You may receive email or telephone calls from Great Percent for a variety of reasons – for example, if you took an action through the Services, you signed up for a regular report, or you requested to be contacted regarding a loan. Lending professionals may also be notified of opportunities via email or telephone calls. We respect your desire to manage email correspondence. If you have an account with Great Percent, you can select your preferences through your account settings. Also, you can manage your receipt of some types of communication by following the instructions included in the email we send you. Please note that, even if you unsubscribe from certain email correspondences, we may still need to email you with important transactional or administrative information.
In addition, if you have provided your email address to us, we may use a scrambled, unreadable form (a hash) of your email address to deliver tailored advertisements to you on the Services or on other websites, including via Facebook’s Custom Audience Feature or other similar Facebook tools. We will not share your email address with Facebook
You may opt-out of cookie tracking and analysis as described in the section below entitled ‘Opting Out of Collection of Information’. The Services do not otherwise respond to ‘do not track’ signals.
Opting Out of Collection of Information by Third Parties
Great Percent marketing service providers. If you do not want Great Percent and its marketing services providers to follow your usage of our Services via cookies and Web beacons, you can opt out of Cookies/Web beacons from: comScore, Google Analytics, Omniture and Yahoo! Opting out of these services does not mean you will no longer receive online advertising. It does mean that the service from which you opted out will no longer deliver ads tailored to your Web preferences and usage patterns. Please note that, if you opt out and later delete your cookies, use a different browser, or use a different computer or other electronic device, you will need to renew your opt-out choices.
Great Percent can provide you with helpful information based on where you are. If you tell Great Percent where you are (e.g., by allowing your mobile device to send Great Percent your location), Great Percent may use that information to provide you with location-based information and advertising. If you wish to deactivate this feature, you can disable location services on your mobile device.
Children Under the Age of 13
Great Percent will not knowingly collect personally identifiable information from any person under the age of 13. The Services are not designed to attract the attention of persons under the age of 13.
Storage, Security and Retention of Information
You acknowledge that Personal Information will be processed and stored by Great Percent in databases. Great Percent has taken reasonable steps to protect the information users share with us, including, but not limited to, setup of processes, equipment and software to avoid unauthorized access or disclosure of this information. No transmission of information via the Internet can be entirely secure, however, so please always use caution when submitting Personal Information.
Contacting Great Percent
We are ready to assist you in managing the Personal Information you provide to us, we cannot always delete records due to financial reporting, contractual, compliance, or other reasons.
If you have any questions about this privacy statement, or the privacy practices of Great Percent, please email us [email protected]