Terms of Service
Overview:
These terms of service govern your use of our website and services. By accessing or using Second Chance Now, you agree to abide by these terms. If you do not agree with any part of these terms, please refrain from using our website.
Privacy:
Your privacy is important to us. Please refer to our Privacy Policy to understand how we collect, use, and disclose your personal information.
Eligibility:
To use Second Chance Now, you must be at least 18 years old, a United States resident, and legally capable of entering into contracts. By using our website, you affirm that you meet these eligibility requirements.
Second Chance Now reserves the right to refuse service to anyone for any reason at any time, unless otherwise prohibited by law. If you violate any of these terms of service or any other agreement with Second Chance Now, we may prohibit you from accessing or using the Second Chance Now website and any Second Chance Now products or services. We reserve the right to exercise these actions at our discretion and without prior notice to you. These actions may be taken in response to violations of our terms of service, unlawful conduct, fraudulent activity, or any other behavior deemed inappropriate by Second Chance Now.
Submitting an Inquiry:
By submitting an inquiry through Second Chance Now, you authorize us to conduct a credit pull and obtain your credit report for prequalification purposes and to obtain offers through our lending partners. Second Chance Now does not guarantee a firm offer of credit. Loans are only available to residents of states where Second Chance Now and/or our lending partners operate. Second Chance Now’s rates, terms and lending partners are subject to change at any time without notice. You may withdraw your inquiry at any time prior to executing any loan agreement.
Accuracy of Information Submitted to Second Chance Now:
You agree to provide accurate and current information when submitting inquiries or using our services. You are solely responsible for the accuracy and completeness of the information you provide to Second Chance Now.
Second Chance Now reserves the right to verify the information provided by users through various means, including credit checks and validation processes. We may request additional documentation to verify the accuracy of the information provided.
Products and Services:
Second Chance Now operates as a platform where customers can apply to refinance their auto loans and explore various options offered by multiple lending partners. It's important to note that Second Chance Now is not a lender itself, but rather a facilitator connecting customers with potential lending partners.
Through our platform, customers can access a range of credit options and ancillary products tailored to their financial needs. While we strive to provide a seamless and transparent experience, it's essential to understand that the products and services offered through Second Chance Now are subject to the terms and conditions of our lending partners.
We encourage customers to review the terms, rates, and fees associated with each offer carefully before making any decisions. By using Second Chance Now, you acknowledge that we act solely as a conduit between you and our lending partners, and we do not guarantee any specific product or service.
Communications:
By using Second Chance Now, you agree that we may contact you through various channels, including but not limited to phone calls, SMS/text messages, emails, and physical letters. By using our services, you consent to receive communications from us via these channels.
It's important to understand that these communications may include important updates, service announcements, promotional offers, and other relevant information related to your account or our services.
You represent and warrant that the phone numbers provided to Second Chance Now belong to you and not to any other individual or entity. You further acknowledge that you have the authority to receive communications at the provided phone numbers.
Please note that standard messaging and data rates may apply for SMS/text messages, and you are responsible for any such charges incurred.
If you wish to opt out of receiving certain types of communications or have any preferences regarding how we contact you, please let us know by contacting our customer support team.
Electronic Records and Signatures:
Second Chance Now utilizes electronic records and signatures for various purposes, including but not limited to inquiries, applications, loan documents, and any additional products or services offered through our platform.
By engaging with Second Chance Now, you acknowledge and agree to the use of electronic communication, documentation, and signatures in all transactions and interactions.
This means that inquiries, applications, loan documents, and any related materials may be transmitted, signed, and stored electronically. Your electronic signature on these documents signifies your agreement and intent to be bound by their terms and conditions.
Please be aware that electronic records and signatures have the same legal effect as handwritten signatures. It is important to ensure the accuracy and completeness of all electronically submitted information and documents.
You are responsible for maintaining the security and confidentiality of your login credentials and access codes associated with your Second Chance Now account. Do not share this information with third parties, and promptly report any unauthorized access or use of your account.
If you do not wish to conduct transactions electronically or do not agree to the use of electronic records and signatures, please refrain from using Second Chance Now.
Trademarks & Copyright:
All trademarks, service marks, logos, and trade names displayed on Second Chance Now are the property of Second Chance Now or their respective owners. You may not use, reproduce, or distribute any of these trademarks or copyrighted materials without the prior written consent of Second Chance Now or the respective owner.
All content on Second Chance Now, including but not limited to text, graphics, logos, images, videos, and software, is protected by copyright laws. You may not modify, distribute, transmit, display, perform, reproduce, publish, license, create derivative works from, transfer, or sell any content obtained from Second Chance Now without the prior written consent of Second Chance Now.
Prohibited Uses:
You agree not to use Second Chance Now for any unlawful or prohibited purpose. This includes, but is not limited to, engaging in any conduct that violates applicable laws or regulations, infringes upon the rights of others, or interferes with the operation of Second Chance Now.
Prohibited uses also include:
Attempting to gain unauthorized access to any portion or feature of Second Chance Now, or any other systems or networks connected to Second Chance Now.
Using any automated means, such as robots, spiders, or scrapers, to access, monitor, or copy any content from Second Chance Now.
Interfering with or disrupting the security or functionality of Second Chance Now or any servers or networks connected to Second Chance Now.
Impersonating any person or entity, or falsely stating or misrepresenting your affiliation with a person or entity.
Limitation of Liability:
Second Chance Now, its officers, directors, employees, agents, and affiliates shall not be liable for any direct, indirect, incidental, special, consequential, or punitive damages arising out of or in any way connected with your use of Second Chance Now or any information, products, or services obtained through Second Chance Now.
This includes, but is not limited to, damages for loss of profits, goodwill, use, data, or other intangible losses, even if Second Chance Now has been advised of the possibility of such damages.
In no event shall the total liability of Second Chance Now and its officers, directors, employees, agents, and affiliates arising out of or in connection with your use of Second Chance Now exceed the amount paid by you, if any, for accessing Second Chance Now.
User Feedback:
Second Chance Now values user feedback as it helps us enhance our services and user experience. By providing feedback, you grant Second Chance Now the right to use, modify, adapt, publish, translate, create derivative works from, distribute, and display such feedback throughout the world in any media.
Second Chance Now will be under no obligation to pay compensation for any comments provided by users. We also reserve the right to maintain comments in confidence or to respond to any comments at our discretion.
Changes to Terms of Service:
Second Chance Now reserves the right to update or modify these terms of service at any time without prior notice. We encourage you to review these terms periodically for any changes. Your continued use of our website after the posting of changes constitutes your acceptance of such changes.
Contact Us:
If you have any questions or concerns about these terms of service, please contact us at info@secondchancenow.com.