Terms of Service

1. Description of Services

BPL Market provides an online platform that acts as a marketplace to help Borrowers find and connect with potential Lenders. We facilitate the submission of loan inquiries and applications by Borrowers to our network of Lenders.

Important Note:

• BPL Market is NOT a lender, broker, or financial institution. We do not make credit decisions, fund loans, or act as a loan broker.
• We do not endorse or recommend any specific Lender or loan product.
• Any loan offers you receive originate from Lenders, not from BPL Market. Your relationship concerning a loan product will be directly with the Lender.
• We do not guarantee that you will receive a loan offer or that any offer will be on terms you desire.

2. Eligibility and User Accounts

• Eligibility: By using the Site, you represent and warrant that you are at least 18 years of age, are a legal resident of the United States, and have the legal capacity to enter into a binding contract.
• Account Creation: You may be required to create an account to access certain features of the Site. 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.
• Account Security: You are solely responsible for maintaining the confidentiality of your account password and for all activities that occur under your account. You agree to notify BPL Market immediately of any unauthorized use of your account or any other breach of security. We are not liable for any loss or damage arising from your failure to comply with this section.

3. Your Responsibilities

By using the Site, you agree to:

• Provide Accurate Information: All information you submit through the Site, including loan applications and contact forms, must be truthful, accurate, complete, and current.
• Lawful Use: Use the Site only for lawful purposes and in accordance with these Terms.
• No Misrepresentation: Not misrepresent your identity or financial information.
• Respect Intellectual Property: Not infringe upon our intellectual property rights or the rights of others.
• No Prohibited Activities: Not engage in any conduct that is unlawful, harmful, threatening, abusive, harassing, defamatory, vulgar, obscene, or otherwise objectionable.
• No System Interference: Not attempt to interfere with the proper working of the Site, including but not limited to hacking, phishing, or distributing viruses or other malicious code.

4. Intellectual Property

All content on the Site, including text, graphics, logos, images, software, and the compilation thereof, is the property of BPL Market LLC or its licensors and is protected by copyright, trademark, and other intellectual property laws. You may not reproduce, distribute, modify, create derivative works of, publicly display, publicly perform, republish, download, store, or transmit any of the material on our Site without our prior written consent.

5. Third-Party Links and Services

The Site may contain links to third-party websites, including those of Lenders, and may use third-party services (e.g., analytics, advertising). These third-party sites and services are not owned or controlled by BPL Market, and we are not responsible for their content, privacy policies, or practices. Your interactions with these third parties are solely between you and the third party. We encourage you to review their terms and policies before engaging with them.

6. Disclaimer of Warranties

THE SITE AND ITS SERVICES ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS, WITHOUT ANY WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED. BPL MARKET DISCLAIMS ALL WARRANTIES, INCLUDING, BUT NOT LIMITED TO, IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.

BPL MARKET DOES NOT WARRANT THAT THE SITE WILL BE UNINTERRUPTED, SECURE, OR ERROR-FREE, OR THAT DEFECTS WILL BE CORRECTED. WE DO NOT WARRANT THAT ANY LOAN OFFERS WILL BE AVAILABLE OR THAT ANY LOAN TERMS WILL BE FAVORABLE. BPL MARKET DOES NOT GUARANTEE THE ACCURACY, COMPLETENESS, OR USEFULNESS OF ANY INFORMATION ON THE SITE, INCLUDING INFORMATION PROVIDED BY LENDERS. FURTHER, YOU ACKNOWLEDGE THAT INFORMATION DISPLAYED ON THE SITE, SUCH AS LOAN TERMS, RATES, OR ELIGIBILITY CRITERIA, MAY BE OUTDATED, INACCURATE, OR INCOMPLETE. IT IS YOUR SOLE RESPONSIBILITY TO CONFIRM ALL LOAN DETAILS, TERMS, AND CONDITIONS DIRECTLY WITH THE LENDER BEFORE MAKING ANY DECISIONS.

7. Limitation of Liability

TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL BPL MARKET, ITS AFFILIATES, OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, LICENSORS, OR SERVICE PROVIDERS BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO, LOSS OF PROFITS, DATA, USE, GOODWILL, OR OTHER INTANGIBLE LOSSES, RESULTING FROM (I) YOUR ACCESS TO OR USE OF OR INABILITY TO ACCESS OR USE THE SITE; (II) ANY CONDUCT OR CONTENT OF ANY THIRD PARTY ON THE SITE; (III) ANY CONTENT OBTAINED FROM THE SITE; AND (IV) UNAUTHORIZED ACCESS, USE, OR ALTERATION OF YOUR TRANSMISSIONS OR CONTENT, WHETHER BASED ON WARRANTY, CONTRACT, TORT (INCLUDING NEGLIGENCE), OR ANY OTHER LEGAL THEORY, WHETHER OR NOT WE HAVE BEEN INFORMED OF THE POSSIBILITY OF SUCH DAMAGE.

BPL MARKET'S TOTAL LIABILITY TO YOU FOR ANY CLAIM ARISING OUT OF OR RELATING TO THESE TERMS OR YOUR USE OF THE SITE SHALL NOT EXCEED THE GREATER OF (A) THE AMOUNT YOU PAID, IF ANY, TO BPL MARKET FOR ACCESSING OR USING THE SITE IN THE TWELVE (12) MONTHS PRECEDING THE CLAIM, OR (B) $100.00 USD.

8. Indemnification

You agree to defend, indemnify, and hold harmless BPL Market LLC, its affiliates, licensors, and service providers, and its and their respective officers, directors, employees, contractors, agents, licensors, suppliers, successors, and assigns from and against any claims, liabilities, damages, judgments, awards, losses, costs, expenses, or fees (including reasonable attorneys' fees) arising out of or relating to:

• Your violation of these Terms.
• Your use of the Site, including, but not limited to, your submissions and any use of the Site's content, services, and products other than as expressly authorized in these Terms.
• Your interaction with any Lenders or third parties found through the Site.
• Any misrepresentation or inaccuracy in the information you provide.

9. Governing Law and Dispute Resolution

These Terms shall be governed by and construed in accordance with the laws of the State of New York, without regard to its conflict of law principles.

Mandatory Arbitration: Any dispute, controversy, or claim arising out of or relating to these Terms or the breach, termination, or validity thereof shall be resolved by binding arbitration administered by the American Arbitration Association ("AAA") in accordance with its Commercial Arbitration Rules. The arbitration shall take place in New York City, New York, unless otherwise agreed by the parties. The arbitration award shall be final and binding, and judgment on the award may be entered in any court having jurisdiction thereof.

Class Action Waiver: You agree that any arbitration or proceeding shall be limited to the dispute between us and you individually. To the full extent permitted by law, (a) no arbitration or proceeding shall be joined with any other; (b) there is no right or authority for any dispute to be arbitrated or resolved on a class-action basis or to utilize class action procedures; and (c) there is no right or authority for any dispute to be brought in a purported representative capacity on behalf of the general public or any other persons.