Terms of Use

The website https://aelendingsolutions.com/ (the “Website”), including, without limitation, any and all services made available on or through the Website (“Services”), is brought to you by AE Lending Solutions, LLC (the “Company”).  The following Terms of Use set forth the terms and conditions that govern your use of the Website, Content (as later defined), and Services.  By accessing or using the Website, you acknowledge that you have read, understood, and accept these Terms of Use.

Modification of Terms

The Company reserves the right to, and may, update and change these Terms of Use, at any time, without prior notice, and in Company’s sole discretion.  In the event of any such change or update, the updated or revised Terms of Use shall become effective immediately upon posting to the Website.  By your continued use and/or access of the Website and/or the Services after any such change or revision, you acknowledge that you have read, understood, and accept the changed and/or revised Terms of Service.

Privacy Policy

The Company does not collect personally identifying information from visitors to the Website, unless provided by the visitor or the visitor’s browser.  The Company will not use information provided by the visitor or the visitor’s browser, except to respond to direct inquiries or for purposes of analytics regarding the usefulness of the Website.  The Company does not provide or sell any such information to third parties.  The Company reserves the right to change its policy in this regard, at any time, without advance notice.  Should any new policy go into effect, the Company will post the new policy on the Website, and the new policy will only apply to information collected after that point.

Privacy Notice for California Residents in Compliance with the CCPA

This policy applies solely to visitors, users, and others in the State of California.  The Company adopts this notice to comply with the California Consumer Privacy Act of 2018 (“CCPA”).  Any terms defined in the CCPA have the same meaning in this policy.

The Company does not sell consumer personal information.  The Company collects personal information only in connection with efforts to respond to direct inquiries.  The Company maintains and distributes personal information only in connection with its representation of potential clients, including disclosures mandated by law and for purposes related to the services provided by the Company to clients.

The Company collects personal information of clients, potential clients seeking the Company’s services, and potential clients seeking the Company’s services for partners, officers, directors, and/or employees.

The categories of personal information the Company may collect are: (A) identifiers, such as a real name, alias, postal address, unique personal identifier, online identifier, Internet Protocol Address, email address, account name, social security number, driver’s license number, passport number, or other similar identifiers; (B) information that identifies, relates to, describes, or is capable of being associated with, a particular individual, including, but not limited to—name, signature, social security number, physical characteristics or description, postal address, telephone number, passport number, driver’s license or state identification card number, insurance policy number, education, employment, employment history, bank account number, credit card number, debit card number, or any other financial information; (C) characteristics of protected classifications under California or federal law; (D) commercial information, including records of personal property, products, or services purchased, obtained, or considered, or other purchasing or consuming histories or tendencies; (E) biometric information; (F) internet or other electronic network activity information, including, but not limited to, browsing history, search history, and information regarding a consumer’s interaction with an Internet Web site, application, or advertisement; (G) geolocation data; (H) audio, electronic, visual, thermal, olfactory, or similar information; (I) professional or employment-related information; (J) education information, defined as information that is not publicly available, and personally identifiable information as defined in the Family Educational Rights and Privacy Act (20 U.S.C. section 1232g, 34 C.F.R. Part 99); (K) inferences drawn from any of the information identified above to create a profile about a consumer reflecting the consumer’s preferences, characteristics, psychological trends, predispositions, behavior, attitudes, intelligence, abilities, and aptitudes.

The Company collects personal information from various sources, including directly from clients, potential clients, agents for clients and/or potential clients, from independent investigations, and/or from publicly available sources.

Consumers have a right to know the following about what personal information the Company has collected about them: (1) the categories of personal information the Company has collected about that consumer; (2) the categories of sources from which the personal information is collected; (3) the business or commercial purpose for collecting or selling personal information; (4) the categories of third parties with whom the Company shares personal information; and (5) the specific pieces of personal information the Company has collected about that consumer.  Consumers do not, however, have a right to request deletion of personal information, because of the Company’s legal, professional, and fiduciary obligations, and its use of personal information exclusively in connection therewith.  Consumers may contact the Company with respect to this policy or personal information collected about them by sending an email to info@aelendingsolutions.com.  If seeking information about your personal information that the Company has collected, you may be asked to provide information to verify your identify (including your name, address, and date of birth).  The Company will contact you or your agent within ten (10) business days to acknowledge receipt of your request.  Consumers may make two (2) requests every twelve (12) months.  A verifiable consumer request must: (1) provide sufficient information to allow the Company to reasonably verify the Consumer (or authorized representative) is the person about whom the Company collected personal information; and (2) describe the request with sufficient detail to allow the Company to properly understand, evaluate, and respond.  The Company cannot respond to your request or provide you with personal information if we cannot verify your identify or authority to make the request and confirm the personal information relates to you.

The Company will endeavor to respond to a verifiable consumer request within forty-five (45) days of its receipt.  If the Company requires more time, the Company will inform you of the reason and extension period in writing.  Any disclosures the Company provides will only cover the twelve (12) month period preceding the verifiable consumer request’s receipt.  The response the Company provides will also explain the reasons, if applicable, that the Company cannot comply with the request.  For any data portability requests, the Company will select a format to provide your personal information that is readily usable and should allow you to transmit the information from one entity to another, without hindrance.  The Company will not charge a fee to process or respond to your verifiable consumer request unless it is excessive, repetitive, or manifestly unfounded.  If the Company determines that any such request warrants a fee, the Company will notify you of the cause for the fee and provide a cost estimate before completing the request.

You have a right not to receive discriminatory treatment by the Company for the exercise of privacy conferred by the CCPA.

The Company’s Content and Proprietary Rights

The Company claims a copyright in all proprietary and copyrightable text, graphics, and computer code on the Website, the overall design of the Website, and the selection, arrangement, and presentation of all materials on the Website, including information in the public domain (the “Content’).  You may view, copy, download, or print any materials on the Website for noncommercial and informational purposes only.  All other uses of the materials on the Website are strictly prohibited, including, but not limited to, any modification of the materials on the Website.  All rights not expressly granted herein by the Company and/or its licensors are expressly reserved by the Company and/or its licensors.  Should you violate any of the Terms of Use contained herein, the Company shall prosecute you and enforce its rights to the fullest extent permitted by law.

Third-Party Websites and Services 

Third-party resources that can be accessed with hypertext links from the Website are not under the control of the Company.  The Company is not responsible for the contents of any of these third-party resources.  The third-party hypertext links presented on this site are provided for your convenience only.  The inclusion of any link on this site does not imply any recommendation, approval, or endorsement of that site by the Company.

Services Not Financial, Tax, Legal, or Investment Advice

By using the Website, you expressly acknowledge that nothing contained on the Website, nor your use of any Services provided via the Website, shall constitute general financial advice and/or financial advice regarding any registered or unregistered securities.  By accessing and/or using the Website and Services, you acknowledge and agree that the Company does not engage in the business of effecting securities transactions or providing investment advice, and the Company is not registered with the Securities Exchange Commission or any state securities regulator as a broker or investment advisor.

You acknowledge that any and all Services provided by the Company and/or made available through the Website are not intended as financial or investment advice, and that by providing the Services, the Company does not intend or purport to provide financial, investment, legal, tax, or any other advice of any kind.  Your use of the Services and any decisions made pursuant thereto are made at your own risk.

All Content is provided for informational purposes only. The Company recommends that you consult with your financial and/or investment advisors, accountants, attorneys, agents, managers, and/or other authorized representatives responsible for management of your assets and/or financial interests before acting on any Content or other information made available on the Website or via the Services.  You acknowledge and accept that there are certain risks involved in reviewing the Content and utilizing the Services made available through the Website.  Any questions regarding the Content or Services should be addressed directly to the Company using the contact information provided in the Privacy Policy or set forth on the Website; provided, any questions or actions regarding tax, legal, financial, or investment advice should be directed to your appropriate representative.  In no event shall your access to and/or use of the Content or Services create any fiduciary or agency relationship between you and the Company unless otherwise set forth in separate written agreement(s) signed between you and the Company. 

Disclaimer of Warranties

The Website, Services, and Content available on or accessed through the Website are provided “as is” and without warranty of any kind, either express or implied, including, without limitation, any warranties for information, data, uptime, or uninterrupted access; any warranties concerning the availability, accuracy, displayability, completeness, or usefulness of content; any warranties of title, non-infringement, merchantability or fitness for a particular purpose.  The Company and its affiliates do not assume any responsibility and shall not be held liable for any damages to, or viruses that may infect, your equipment on account of your access, use, or browsing of the website, or any downloading of materials, content, text, images, video, or audio content from the Website.  The Company does not make any warranties, representations, or claims of any kind concerning the information presented on or through this site.

Limitation of Liability

Your use of this website is at your own risk.  The materials presented on this site may not reflect the most current information and these materials may be changed, improved, or updated without notice.  The Company is not responsible or liable for any errors or omissions in the content of this Website or for damages arising from the use or performance of this site under any circumstances.

Governing Law and Dispute Resolution

These Terms of Use shall be construed and enforced in accordance with the laws of the State of California without regard to any conflict of law provisions.  By using the Website and/or Services, you agree that all disputes, claims, or causes of action arising from or related to your use of the Website or Services will be resolved through binding arbitration in Los Angeles County, California in accordance with the Arbitration Rules of ADR Services, Inc., which can be found at http://www.adrservices.com//srv/htdocs/wp-content/uploads/2020/07/ADR-ARBITRATION-RULES-FINAL-7-9-20.pdf.  ARBITRATION OF A DISPUTE, CLAIM OR CAUSE OF ACTION SHALL BE IN AN INDIVIDUAL CAPACITY AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS OR REPRESENTATIVE PROCEEDING.  Nothing in this Section shall prevent the Company from seeking injunctive or other equitable relief from the courts for matters related to data security, or unauthorized access to the Website or Services.

General Terms and Conditions

These Terms of Use set forth the entire understanding between you and the Company regarding your use of the Website, the Content, and Services.  These Terms of Use constitute the sole agreement between you and Company for your use of the Website, the Content, and Services and the subject matter hereof.  Any representations, statements, or inducements, oral or written, which are not contained in these Terms of Use shall not bind either you or Company.  If any part or portion of these Terms of Use is held, by a court or other tribunal of competent jurisdiction, to be invalid, illegal, or unenforceable, the remaining parts and portions of these Terms of Use will be severable and remain in effect.  The Company’s failure to insist upon strict adherence to any term contained in these Terms of Use shall not constitute a waiver of such term and shall not be considered a waiver or limit of any right thereafter to insist upon strict adherence to that term or any other term contained in these Terms of Use.  The Company may assign, transfer, subcontract, or otherwise deal with all of its rights, including those set forth herein, without notifying you or obtaining your consent.  You may not assign, transfer, delegate, subcontract, or otherwise deal with your rights and/or obligations under these Terms of Use.  These Terms of Use shall be binding upon and inure to the benefit of each of the parties and the parties’ respective successors and permitted assigns.