Echo Credit Terms of Use

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Echo Credit Terms of Use

PLEASE READ THESE TERMS OF USE CAREFULLY BEFORE USING THIS SITE. BY ACCESSING OR USING THIS WEBSITE OR ANY PAGES ON THE SITE, YOU AGREE TO BE BOUND BY THESE TERMS OF USE. IF YOU DO NOT AGREE TO EACH OF THESE TERMS OF USE, YOU ARE NOT GRANTED PERMISSION TO USE THE SITE. IN THIS CASE, DO NOT ACCESS OR USE THE SITE, OR ANY PAGES WITHIN, AND PLEASE EXIT THIS SITE IMMEDIATELY.

1. Terms of Use for All Information and Services on the Site

The following terms and conditions ("Terms of Use") govern your use of the Site. By accessing, viewing, browsing or using any material or content on the Site, you agree that you understand and intend these Terms of Use to be a legally binding Agreement between you and Echo Credit, and agree to be bound by them WITHOUT LIMITATION OR QUALIFICATION. The terms and conditions of this Agreement form an essential basis of our bargain.

"Site" means www.EchoCredit.com and all pages within.

The following are terms of a legal agreement (the "Agreement") between you ("you" as an individual person, or if you are accessing the Site as an employee or representative of any other person or entity, that person or entity) and Echo Credit ("Echo Credit", "we", "us", or "our", Jora and Jora Credit family of companies) that sets forth the terms and conditions for your use of this website (the "Site"). This Site is being provided to you expressly subject to this Agreement.

I understand and agree that Echo Credit, Jora Credit Holdings, LLC and its affiliates will rely upon the email and password combination I have created above to identify me each time I log in to the Echo Credit website. I agree that I will keep the password I have created confidential and I will not share it with any other person.

Certain sections or pages on the Site may contain separate terms and conditions of use, which are in addition to the terms and conditions of this Agreement. In the event of a conflict, the additional terms and conditions will govern for those sections or pages.

We reserve the right to amend this Agreement at any time and will notify you of any such changes by posting the revised Agreement on the Site. You should check this Agreement periodically for changes. All changes shall be effective upon posting. Your continued use of the Site after any change to this Agreement constitutes your agreement to be bound by any such changes. We may terminate, suspend, change, or restrict access to all or any part of this Site without notice or liability. If any modifications we make to these Terms of Use are unacceptable to you, your only recourse is to terminate use of the Site immediately. Your continued use of the Site will constitute binding acceptance of any modification. Any inconsistent terms between these Terms of Use and any subsequent modifications or Terms of Use posted on the Site shall be controlled according to the latest posting.

These Terms of Use comprise the entire agreement between you and Echo Credit relating to your use of the Site, and supersede all prior agreements and negotiations, whether oral or written. These Terms of Use supersede any previous terms of use relating to use of this Site to which you and Echo Credit may have been bound. There are no other agreements, understandings, promises or conditions, oral or written, express or implied, concerning the subject matter of these Terms of Use, except as set forth in these Terms of Use.

2. We Are Not Responsible for Links to Content Provided by Others

LINKS TO OTHER INTERNET WEBSITES OWNED OR OPERATED BY THIRD PARTIES ARE PROVIDED FOR YOUR CONVENIENCE AND INFORMATION ONLY. THE CONTENT IN ANY LINKED WEBSITE IS NOT UNDER OUR CONTROL AND WE ARE NOT RESPONSIBLE FOR IT.

This Site may contain links to websites, banner advertisements or hyperlinks controlled or offered by third parties (non-affiliates). If you visit a link to another website, you do so at your own risk subject to the conditions of use set by that website. We reserve the right to terminate a link to another website at any time. Echo Credit hereby disclaims liability for any information, materials, products or services posted or offered at any of the third-party sites linked to this website. By creating a link to a third-party website, Echo Credit does not endorse, authorize, sponsor or recommend any products or services offered or information contained at that website, nor it indicate that we are affiliated with the site's owners or sponsors. Echo Credit is not liable for any failure of products or services offered or advertised at those websites. Such third party may have a privacy policy different from that of Echo Credit and the third-party website may provide less security than the Echo Credit Site.

You may not link to the Site without our written permission. If you wish to link to the Site, please contact us using the Contact and Notification Information in these Terms of Use.

3. Our Proprietary Rights and Your Restricted Use

The Site's content, including but not limited to all music, images, icons, text, software, logos, expressions and ideas, is copyrighted and protected by U.S. and worldwide copyright laws and treaty provisions. In addition, the Site's content is protected by patent and trademark laws, the laws of privacy and publicity, and various communication regulations and statutes. The copyright for all material on this Site, including without limitation the text, data, articles, design, source code, software, photos, images and other information (collectively the "Content"), is held by Jora Credit Holdings, LLC or by the original creator of the material. You are not authorized to post on or transmit to or from the Site any unlawful, threatening, libelous, defamatory, obscene, scandalous, inflammatory, pornographic, immoral or profane material, or any other content that could give rise to any civil or criminal liability under the law. You agree that the Content may not be copied, reproduced, distributed, republished, displayed, posted or transmitted in any form or by any means, including, but not limited to, electronic, mechanical, photocopying, recording, or otherwise, without the express prior written consent of Echo Credit. You acknowledge that the Content is and shall remain the property of Echo Credit. You may not modify, participate in the sale or transfer of, or create derivative works based on any Content on this site, in whole or in part. The use of the Content on any other site, including by linking or framing, or in any networked computer environment for any purpose, is prohibited without Echo Credit’s prior written approval. You may not "mirror" any material contained on this Site on any other server, without Echo Credit’s express written permission. Any unauthorized use of any Content on this Site may violate copyright laws, trademark laws, the laws of privacy and publicity, and communications statutes and regulations. Any commercial use of the Site or its content beyond the specific use licensed herein or by written authorization from us is prohibited. You may print a copy of the information contained on the Site only for your personal use subject to the following: (i) you may not reproduce or distribute the text or graphics to others or substantially copy the information on your own server without the prior written permission of Echo Credit; (ii) you may not modify the content or make derivative works therefrom; and (iii) on any and all copies you make of the information you must retain all copyright, trademark, service mark and other proprietary notices contained in the original information. The right given in this paragraph may be revoked by us at any time.

You agree to use the Content and Site only for lawful purposes. You are prohibited from any use of the Content of Site that would constitute a violation of any applicable law, regulation, rule or ordinance of any national, state, or locality or of any international law or treaty, or that could give rise to any civil or criminal liability. Any unauthorized use of the Site, including but not limited to unauthorized entry into Echo Credit’s systems, misuse of passwords, or misuse of any information posted on the Site is strictly prohibited. Echo Credit makes no claims concerning whether the Content may be downloaded or is appropriate for use outside of the United States. If you access this Site from outside of the United States, you are solely responsible for ensuring compliance with the laws of your specific jurisdiction. Your eligibility for particular products or services is subject to final determination by Echo Credit.

4. We Do Not Allow You to Use Trademarks, Service-Marks, Tradenames and Logos Used and Displayed on the Site

Echo Credit (Including the Echo Credit logo), EchoCredit.com, Jora Credit Holdings, LLC and all related logos (collectively the "Echo Credit trademarks") are registered and unregistered trademarks, service marks or licensed brands of Jora Credit Holdings, LLC. Other company, product, and service names, logos trademarks, service marks and names used and displayed on this Site are trademarks or service marks owned by Echo Credit or other third parties. Nothing on this Site should be construed as granting, by implication, estoppel, or otherwise, any license or right to use any of the Echo Credit trademarks displayed on this Site, without our prior written permission in each instance. Other than as specified in the preceding section, and notwithstanding any other information on the Site, you are not allowed to use any Mark or TP Mark, by implication, estoppel, or otherwise, and you are not granted any license or right to use any Mark or TP Mark without our prior written permission. No Mark may be used in any way, including in hyperlinks, advertising or publicity pertaining to distribution of materials on the Site, without our prior written permission.

You may not copy, display, distribute, modify or reproduce any of the trademarks found on the Site, We prohibit use of any of the Echo Credit trademarks, service marks or licensed brands as part of a link to or from any site unless establishment of such a link is approved in writing by us in advance. Any questions concerning any Echo Credit trademarks, or whether any mark or logo is an Echo Credit trademark, should be referred to Echo Credit.

5. Our Liability Is Limited

Although we try to provide accurate and timely information on the Site, there may be inadvertent, technical or factual inaccuracies and typographical errors. Furthermore, there are certain aspects of web usage, electronic mail, your computer and your link to the Internet which we cannot control. We therefore make no representation or warranty that the operation of the Site will be uninterrupted or error free, and we will not be liable for the consequences of any interruptions or errors or loss. For these reasons we cannot warrant the accuracy, completeness or timeliness of the information, text, graphics, links or other items on the Site or the privacy of responses to you by electronic mail.

IN NO EVENT WILL ECHO CREDIT BE LIABLE FOR ANY DIRECT OR INDIRECT, SPECIAL, INCIDENTAL OR CONSEQUENTIAL DAMAGES THAT MAY ARISE IN CONNECTION WITH THE SITE, OR FROM YOU OR ANY OTHER PARTY’S USE OF, OR INABILITY TO USE, THE SITE OR ANY INFORMATION PROVIDED ON THE SITE; OR ANY THIRD-PARTY SITE TO WHICH THIS SITE IS LINKED, OR IN CONNECTION WITH ANY FAILURE OF PERFORMANCE, ERROR, OMISSION, INTERRUPTION, DEFECT, DELAY IN OPERATION OR TRANSMISSION, COMPUTER VIRUS, OR TECHNOLOGICAL MEANS INTENDED TO DISRUPT, DAMAGE, OR INTERFERE WITH THE USE OF COMPUTERS OR RELATED SYSTEMS, OR LINE OR SYSTEM FAILURE OF PERFORMANCE, OR DISCLOSURE OF INFORMATION WHEN REPLYING TO YOU BY ELECTRONIC MAIL OR OTHER ELECTRONIC MEANS OR RECEIVING ELECTRONIC MAIL FROM YOU; EVEN IF ECHO CREDIT, OUR REPRESENTATIVES THEREOF ARE ADVISED OF THE POSSIBILITY OF SUCH DAMAGES, LOSSES, OR EXPENSES. YOUR SOLE REMEDY FOR DISSATISFACTION WITH THIS SITE IS TO STOP USING THE SITE. IF YOUR USE OF MATERIALS FROM THIS SITE RESULTS IN THE NEED FOR SERVICING, REPAIR OR CORRECTION OF EQUIPMENT OR DATA, YOU ASSUME ANY COSTS THEREOF. IF THE FOREGOING LIMITATION IS FOUND TO BE INVALID, YOU AGREE THAT ECHO CREDIT’S TOTAL LIABILITY FOR ALL DAMAGES, LOSSES, OR CAUSES OF ACTION OF ANY KIND OR NATURE SHALL BE LIMITED TO THE GREATEST EXTENT PERMITTED BY APPLICABLE LAW.

Disclaimer of warranties

THE INFORMATION AND MATERIALS CONTAINED IN THIS SITE, INCLUDING TEXT, GRAPHICS, LINKS OR OTHER ITEMS AND CONTENT ARE PROVIDED "AS IS", "AS AVAILABLE", WITHOUT ANY WARRANTY, EITHER EXPRESS OR IMPLIED, INCLUDING THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT OR TITLE.

WE ASSUME NO RESPONSIBILITY, AND SHALL NOT BE LIABLE FOR, ANY COMPUTER VIRUS OR OTHER COMPUTER INSTRUCTIONS OR TECHNOLOGICAL MEANS INTENDED TO DISRUPT, DAMAGE, OR INTERFERE WITH THE USE OF COMPUTERS OR RELATED SYSTEMS THAT MAY INFECT OR DAMAGE YOUR COMPUTER EQUIPMENT OR OTHER PROPERTY AS A RESULT OF YOUR ACCESS TO, USE OF, OR BROWSING OF THE SITE, THE WEB OR YOUR DOWNLOADING OF ANY MATERIALS, DATA, TEXT, IMATES, VIDEO, OR AUDIO FROM THE SITE OR THE WEB.

WE DO NOT REPRESENT OR WARRANT THAT YOUR USE OF MATERIALS DISPLAYED ON THE SITE WILL NOT INFRINGE RIGHTS OF THIRD PARTIES NOT OWNED OR AFFILIATED WITH US.

ADDITIONALLY, THERE ARE NO WARRANTIES AS TO THE RESULTS OF YOUR USE OF THE CONTENT. ECHO CREDIT DOES NOT WARRANT THAT THE SITE IS FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS. THIS DOES NOT AFFECT THOSE WARRANTIES WHICH ARE INCAPABLE OF EXCLUSION, RESTRICTION OR MODIFICATION UNDER THE LAWS APPLICABLE TO THIS AGREEMENT.

ECHO CREDIT MAY DISCONTINUE OR MAKE CHANGES IN THE CONTENT AND SITE AT ANY TIME WITHOUT PRIOR NOTICE TO YOU AND WITHOUT ANY LIABILITY TO YOU. ANY DATED INFORMATION IS PUBLISHED AS OF ITS DATE ONLY, AND ECHO CREDIT DOES NOT UNDERTAKE ANY OBLIGATION OR RESPONSIBILITY TO UPDATE OR AMEND ANY SUCH INFORMATION. ECHO CREDIT RESERVES THE RIGHT TO TERMINATE ANY OR ALL SITE OFFERINGS OR TRANSMISSIONS WITHOUT PRIOR NOTICE TO YOU. FURTHERMORE, BY OFFERING INFORMATION, PRODUCTS OR SERVICES THROUGH THE SITE, NO SOLICITATION IS MADE BY ECHO CREDIT TO ANY PERSON TO USE SUCH INFORMATION, PRODUCTS OR SERVICES IN JURISDICTIONS WHERE THE PROVISION OF INFORMATION, PRODUCTS OR SERVICES IS PROHIBITED BY LAW. INFORMATION ON THE SITE IS NOT INTENDED FOR DISTRIBUTION TO, OR USE BY, ANY PERSON OR ENTITY IN ANY JURISDICTION OR COUNTRY WHERE SUCH DISTRIBUTION OR USE IS NOT AUTHORIZED OR LICENSED, OR WHERE ANY CONTENT DISPLAYED ON OR TRANSACTION OFFERED THROUGH THE SITE IS UNLAWFUL. THIS SITE COULD CONTAIN TECHNICAL INACCURACIES OR TYPOGRAPHICAL ERRORS. USE OF THIS SITE IS AT YOUR OWN RISK.

6. Indemnification

You agree to indemnify and hold harmless Echo Credit from and against any and all claims, losses, expenses, demands or liabilities, including attorneys' fees and costs, incurred by Echo Credit in connection with any claim by a third party (including any intellectual property claim) arising out of (i) materials and content you submit to, post to or transmit through the Site, or (ii) your use of the Site in violation of this Agreement or in violation of any applicable law. You further agree that you will cooperate fully in the defense of any such claims. Echo Credit reserves the right, at their own expense, to assume the exclusive defense and control of any matter otherwise subject to indemnification by you, and you shall not in any event settle any such claim or matter without the written consent of Echo Credit.

You further agree to indemnify and hold harmless Echo Credit from any claim arising from a third party's use of information or materials of any kind that you post to the Site.

You use the Site on your own initiative and are responsible for compliance with local laws.

The Site may provide general information about Echo Credit and the products and services offered by Echo Credit. Information on the Site does not constitute an offer to sell or a solicitation of any particular product or service. Some products and services may not be available in all states, and no product or service is available outside the United States. Your eligibility for particular products and services is subject to final determination, restrictions and acceptance by Echo Credit.

7. We Do Not Provide Investment Advice or Solicit Offers to Purchase our Securities on the Site

Jora Holdings, Inc. is not a public company. We do not solicit offers to purchase securities on the Site. The information displayed on this Site does not constitute investment advice or an offer or a solicitation for the purchase or sale of any securities or insurance product.

YOU AGREE THAT NO CLIENT, ADVISORY, FIDUCIARY OR PROFESSIONAL RELATIONSHIP IS CREATED, IMPLIED OR ESTABLISHED BETWEEN YOU AND ECHO CREDIT AND THAT YOU AGREE AND UNDERSTAND THAT NO PERSON OR ENTITY IS, IN CONNECTION WITH THE SITE, ENGAGED IN RENDERING AUDITING, ACCOUNTING, INVESTMENT, SECURITIES, TAX, LEGAL ADVICE OR CONSULTING OPINIONS AND THAT YOU WILL CONSULT APPROPRIATE LICENSED PROFESSIONALS FOR OPINIONS AND ADVICE RELATING TO THE SPECIFIC FACTS, LAWS AND ROLES WHICH MAY APPLY IN YOUR SPECIFIC CASE.

8. No Use of Site By Minors

No person under the age of 18 may use the Site. We do not knowingly solicit business by minors or children and request that any person under the age of 18 have their parent or responsible adult contact us. If you are under age 18 please leave the Site immediately. You agree to report all information you have about any person under 18 who uses the Site to us immediately using the Contact and Notification Information in Section 25 of these Terms of Use.

9. Communications to You by Us

We may respond to your inquiries and questions by electronic mail if you provide us with an e-mail address. However, be advised that information sent by electronic mail may not be completely confidential not only because of certain aspects of electronic transfer, but also because others may have access to the computer or e-mail address to which the electronic mail response is sent. Unless you specifically state in capital letters within your inquiry as follows: "DO NOT RESPOND TO THIS INQUIRY BY E-MAIL", you hereby consent to response to your inquiries and questions by electronic mail, notwithstanding the risks inherent in using electronic mail.

Application Information Verification

You authorize Echo Credit ("us" or "we") to verify the information provided on your loan application, and you consent to our obtaining third party information about you from consumer reporting agencies or other sources to do this verification. If there is any missing or erroneous information on your loan application regarding your Bank Account, you authorize us to verify and correct such missing or erroneous information.

Credit Reporting Disclosure

We may make inquiries concerning your credit history and standing, and may report information concerning your performance including, but not limited to, late payments, missed payments, or other defaults, to credit reporting agencies. Late payments, missed payments or other defaults on your Loan may be reflected in your credit report.

Collection and Use of Bank Account and Other Information About You

As part of our credit underwriting and information collection process, we will consider the bank account information provided by you as eligible for us to process payments against, we may detect additional bank accounts under your ownership, and we also may collect and consider information about you from non-credit reporting agency data providers and publicly available information about you.

We collect the following additional information about the customer and store it in our system from the FE perspective. This doesn’t include information collected from third party during the decision process.

  1. Device Language
  2. Device Character Set
  3. Browser Type, Version
  4. Cookie Enabled or Not
  5. Additional Device Information
  6. Device Operating System
  7. Screen Size
  8. IP Address of the customer
  9. IP Address Latitude
  10. IP Address Country
  11. IP Address Region

We create cookies in the customer’s device and use that information between sessions.

We collect customers navigation and analytics information thru Google Analytics and Heap.

We collect customer bank transaction detail when they go thru DL process.

10. Confidentiality of Internet Not Guaranteed

Although we try to protect information you send us, we cannot guarantee that information sent over the Internet is completely confidential. There are certain aspects of Internet usage, your computer and your links to the Internet we cannot control. Therefore, transmission of information to us on the Internet must be undertaken at your own risk.

11. General provisions

This Agreement supersedes any previous Terms of Use Agreement to which you and Echo Credit may have been bound. This Agreement will be binding on, inure to the benefit of, and be enforceable against the parties and their respective successors and assigns. Neither the course of conduct between parties nor trade practice shall act to modify any provision of the Agreement. All rights not expressly granted herein are hereby reserved. Headings are for reference purposes only and in no way define, limit, construe or describe the scope or extent of such section.

Submissions

All information submitted to Echo Credit via this Site shall be deemed and remain the property of Echo Credit and Echo Credit shall be free to use, for any purpose, any idea, concepts, know-how or techniques contained in information a visitor to this Site provides Echo Credit through this Site. Echo Credit shall not be subject to any obligations of confidentiality regarding submitted information except as agreed by the Echo Credit entity having the direct customer relationship or as otherwise specifically agreed or required by law. Nothing contained herein shall be construed as limiting or reducing Echo Credit’s responsibilities and obligation to customers in accordance with the Echo Credit Privacy Policy.

Monitoring of the Site

Echo Credit has no obligation to monitor the Site; however, you acknowledge and agree that Echo Credit has the right to monitor the Site electronically from time to time and to disclose any information as necessary or appropriate to satisfy any law, regulation, or other governmental request, to operate the Site, or to protect itself or other users of the Site.

Waiver

Failure by Echo Credit to enforce any of its rights under this Agreement shall not be construed as a waiver of those rights or any other rights in any way whatsoever.

Termination

This Agreement is effective until terminated by Echo Credit. Echo Credit may terminate this Agreement at any time without notice, or suspend or terminate your access and use of the Site at any time, with or without cause, in Echo Credit’s absolute discretion and without notice. The following provisions of the Agreement shall survive termination of your use or access to the Site: the sections concerning Indemnification, Disclaimer of Warranties, Limitation of Liability, Waiver, Applicable Law and Dispute Resolution, and General Provisions, and any other provision that by its terms survives termination of your use or access to the Site.

Severability

If any provision of this Agreement is found to be invalid or unenforceable, the remaining provisions shall be enforced to the fullest extent possible, and the remaining provisions of the Agreement shall remain in full force and effect.

© 2019 Jora Credit Holdings, LLC. All Rights Reserved.

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Last Updated: April 05, 2019