Terms and Conditions of Use
Welcome to RGV Loans! These Terms and Conditions (“Terms”) apply to all users of our website (the “Site”), our loan products, and other related services (collectively, the “Services”). By accessing or using our Services, you agree to be bound by these Terms and our Privacy Policy, which is incorporated herein by reference. If you do not agree to these Terms, please do not use our Services.
1. Acceptance of Terms
a. By creating an account, applying for a loan, or using any aspect of our Services, you accept and agree to be bound by these Terms.
b. We may modify these Terms at any time without notice to you by posting revised terms on this Site. Your continued use of the Services after such changes have been posted will signify your acceptance of the new Terms.
2. User Accounts
a. You must register for an account to apply for a loan and access certain features of our Services. You agree to provide accurate, current, and complete information during the registration process and to update such information to keep it accurate, current, and complete.
b. You are responsible for maintaining the confidentiality of your account and password and for all activities that occur under your account.
3. Loan Application and Approval Process
a. To apply for a loan, you must submit the required information through our Site or otherwise provide to us as part of our application process.
b. Our loan approval process is at our sole discretion. We may require additional information or documentation before approving a loan.
c. Approval of a loan is contingent upon your completion of any necessary paperwork, and your agreement to the terms of the specific loan offer.
4. Use of Services
a. You agree to use our Services solely for lawful purposes and in accordance with these Terms.
b. You must not use the Services in any manner that could damage, disable, overburden, or impair the Site or interfere with any other party’s use of the Services.
c. You may not attempt to gain unauthorized access to any parts of the Services or the servers on which the Services are hosted.
5. User Conduct
a. You are responsible for all your activities in connection with the Services. You shall not:
- Post or transmit any content that is infringing, libelous, defamatory, obscene, pornographic, abusive, offensive, profane, or that violates any law or right of any third party.
- Use the Services to harm minors in any way.
- Impersonate any person or entity, or falsely state or otherwise misrepresent your affiliation with a person or entity.
- Forge headers or otherwise manipulate identifiers in order to disguise the origin of any content transmitted through the Services.
6. Intellectual Property Rights
a. The Services, including all content and materials available on or through the Services, are our property or the property of our licensors and are protected by intellectual property laws.
b. Except as expressly permitted in these Terms, you may not copy, reproduce, distribute, publish, display, modify, or transmit any content from the Services.
7. Fees and Payment Terms
a. Loans obtained through our Services may be subject to fees and interest rates as disclosed in your loan agreement.
b. You agree to pay all amounts due under your loan agreements, including principal, interest, and fees, in accordance with the terms thereof.
c. Late payments may incur additional fees or interest as provided in your loan agreement.
8. Termination of Accounts
a. We may terminate or suspend your account and bar access to the Services if you violate these Terms.
b. Upon termination, your rights to use and access the Services will cease, except that the following sections will survive: 4 (User Conduct), 6 (Intellectual Property Rights), 7 (Fees and Payment Terms), 8 (Termination of Accounts), and 9 (Dispute Resolution and Governing Law).
9. Dispute Resolution and Governing Law
a. These Terms shall be governed by and construed in accordance with the laws of the State of Texas without regard to its conflict of law provisions.
b. Any claim or dispute between you and us arising out of or relating to these Terms, your use of the Services, or your loan transactions will be resolved in a state or federal court located in Hidalgo County, Texas.
10. General Provisions
a. These Terms constitute the entire agreement between you and us regarding the use of the Services and supersede all prior agreements concerning such subject matter.
b. Our failure to enforce any term of these Terms shall not be construed as a waiver of any rights under these Terms.
c. If any part of these Terms is determined to be invalid or unenforceable, that provision will be replaced with a similar provision that best reflects the intentions of the parties, and the remaining provisions will continue to be valid and enforceable.
11. Contact Information
If you have any questions about these Terms, please contact us at [email protected].