General Terms for All Services and Uses of TruPro Finance
TruPro Finance, a business operated by Geier Property LLC ("TruPro Finance," "TruPro," "the Company," "we," "us," or "our"), is delighted to offer a range of tools and resources (our "Services") designed to help you discover and explore new financial products to achieve your financial goals.
By accessing the TruPro Finance website at truprofinance.com ("TruPro Finance site" or "Site") and utilizing our Services, through any direct or indirect means, you acknowledge and agree to abide by this Terms of Use Agreement (the "Agreement"). It is essential to carefully read this Agreement to comprehend your legal rights concerning the use of our Site and Services.
SPECIFICALLY, PLEASE NOTE THAT THIS AGREEMENT INCLUDES DISCLAIMERS ABOUT WARRANTIES AND LIABILITY, ALONG WITH IMPORTANT PROVISIONS REQUIRING ARBITRATION OF DISPUTES AND A CLASS ACTION WAIVER (REFER TO SECTIONS BELOW ENTITLED "DISCLAIMERS AND LIMITATIONS OF LIABILITY" AND "DISPUTE RESOLUTION").
If you do not agree to the terms of this Agreement, you are not authorized to access the Site or use our Services.
Our Privacy Policy outlines TruPro Finance's practices regarding information collected from or about Site visitors (our "Users") and is hereby incorporated by reference into this Agreement. In case of a conflict between this Agreement and the Privacy Policy, the Privacy Policy shall prevail.
TruPro Finance reserves the right to (a) change or discontinue any feature of the Site or Services and (b) modify the terms applicable to Users, including this Agreement, at any time and in its sole discretion. Such changes will be immediately effective upon posting on the Site, and your use of the Site or the products and services offered thereon will be deemed as acceptance of these changes. Changes may not be uniform across all platforms. We also reserve the right to prohibit the use of the Site or Services by any User violating these Terms of Use.
The Site is intended for individuals who are at least 18 years old and reside in the United States. If you are under 18 years of age or reside outside the United States, refrain from visiting the Site or using our Services. Use of the Site or Services, including the provision of personally or non-personally identifiable information, by anyone under 18 years of age is strictly prohibited.
For inquiries or concerns about TruPro Finance, the Site features, Site content, or any of our Services, please contact us at
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Introduction to the Site and Services
TruPro Finance provides an online platform for submitting inquiries for various financial loan products ("Products"). In this capacity, we serve as an intermediary between (a) Program Partners, who offer TruPro Finance solutions to Program Partner customers ("Program Partners"), and consumers interested in such Products, and (b) TruPro's network of non-affiliated banks, lenders, and other financial services institutions ("Providers") offering such Products.
An "Inquiry" indicates your choice to submit Personally Identifiable Information ("PII") through a form on our Site, allowing us to forward your information to Providers to retrieve and present customized offers for Products. Additionally, we may collect Non-Personally Identifiable Information ("NPII") during the Inquiry process.
PII and NPII collectively constitute "Information" in this Agreement. The TruPro Finance Privacy Policy describes our practices regarding such Information collected from or about our Users.
TruPro Finance is NOT a bank, lender, credit card issuer, or any other type of creditor; hence, we do NOT make loans or credit decisions related to loans. We provide marketing and other business services to our Partners and Providers advertising their Products through our Site. Lead generation fees may be paid to us by Providers for our Services. While TruPro Finance does not charge fees for its Services, be aware that if you close a Product with a Provider, you are responsible for associated closing costs, if any.
TruPro Finance is ALSO NOT a credit repair organization, credit counselor, financial advisor, or legal advisor as defined under federal or state law. Using our Site or Services is not a substitute for professional advice or assistance concerning your finances or credit profile.
When using any of our Services, consider the following:
TruPro Finance does not endorse or recommend any specific Provider or their products.
The Provider is solely responsible for its products and services, and TruPro Finance will not be liable for any damages or costs arising from your use of such products or services.
TruPro Finance is not an agent of you, our Partners, or any Provider.
Our Services are for informational purposes only and do not cover your complete financial situation. Consider your decision to take out a loan or acquire a new credit product carefully. You are solely responsible for determining which available Product(s) and terms, if any, suit your needs best.
Consult with a competent professional financial advisor before making final decisions, especially if you are unfamiliar with consumer credit or inexperienced in personal financial management.
Regardless of whether you qualify for a Product with a Provider through our Site, the Provider(s) may obtain and retain the information provided by you, us, or any third parties as part of your Inquiry or other use of the Site and Services.
Providers have their own credit application processes and may require additional information before providing a final offer of credit. If you meet their credit and other applicable standards when your application is submitted, the Provider(s) will contact you directly to discuss your application, offer terms, and any additional data or documents they may need from you.
While using any of our Services, you affirm that all information provided to us, whether through our Site or by other means, is accurate and complete. When creating a User Account on the TruPro Finance site, submitting an Inquiry, or using Services through TruPro Finance, the Site, or other methods, you acknowledge and agree that you have established a business relationship with us.
By clicking any button, checking any box, or taking any other action on the Site indicating acceptance of terms, continuation of processing, or submission of an Inquiry, you acknowledge and agree to all terms and conditions related to that action, whether express or implied. These terms and conditions include, but are not limited to, those outlined in more detail in the subsequent sections:
Consent to Electronic Contracting and Communications
Consent to Access Your Credit Profile
Consent to Information Retention and Sharing Between Us and Providers
Consent to Receiving Communications from Us and Providers
Consent to the Use of Electronic Transactions, Signatures, and Communications
By engaging in any action on the TruPro Finance Site, such as clicking buttons, checking boxes, or any other indication of consent to electronic transactions, signatures, and communications, you are expressly agreeing to conduct transactions, sign contracts and documents electronically, and receive all notices, disclosures, and essential communications (collectively referred to as "Communications") related to the Site or our Services online or via email.
This Consent encompasses various Communications, including but not limited to: (a) these Terms of Use and the consent for electronic transactions, signatures, and communications; (b) your agreement to our collection and use of your credit profile and other Information; (c) our Privacy Policy and any subsequent privacy notifications; (d) any other notice or disclosure mandated by federal, state, or local law; and (e) additional disclosures, notices, or communications in connection with an Inquiry.
Communications may be posted on the Site, within your User Account, and/or sent to you via email, which may include attachments or embedded links. To update your email address with us, kindly reach out to us at [email protected]
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To access, obtain, print, and save Communications, you must have:
(1) a personal computer with internet access and a widely-used, up-to-date web browser (e.g., Internet Explorer, Chrome, Safari, or Firefox); (2) a valid and functional email address; and (3) a printer capable of printing from your computer. You may also need a PDF file reader, such as Adobe® Acrobat Reader, for certain documents. In case of any changes to these technical and software requirements for accessing Communications, we will notify you. Please save and print a copy of this Consent to confirm that you have the necessary hardware and software for electronic transactions with us.
You have the option to withdraw this Consent at any time by notifying us at
[email protected] If you choose to withdraw this Consent later on, we will provide any further Communications to you in paper form. No fees will be imposed for withdrawing this Consent, but Communications may be slower, and, in certain cases, we may need to discontinue providing our Services to you. The withdrawal of this Consent becomes effective after a reasonable processing period, and it does not apply to Communications furnished before the withdrawal takes effect.
To obtain a paper copy of any Communication, you can print it from your computer or contact us at
[email protected] There is no charge for a paper copy of any Communication sent electronically. Requesting a paper copy of a Communication does not, by itself, constitute a withdrawal of your Consent to receive Communications electronically. While we reserve the right to send a paper copy of any Communication you authorize us to provide electronically, we are not obligated to do so.
Consent to Access Your Credit Profile
By creating a User Account or submitting an Inquiry on the TruPro Finance Site, you acknowledge that you are providing written instructions, as per the Fair Credit Reporting Act and applicable laws, for TruPro Finance and its affiliates, Providers, and/or other necessary entities to request and receive copies of consumer reports, scores, and related information about you from third-party credit reporting bureaus like TransUnion, Experian, and Equifax. You also agree that TruPro Finance and its affiliates may request and receive such information for as long as your User Account remains active.
When seeking information from credit bureaus, TruPro Finance and/or its Providers will conduct a "soft pull" of your credit file, ensuring that your credit score remains unaffected. However,
please note that Providers may perform a "hard pull" on your credit profile, potentially impacting your credit score. If you submit multiple applications with different Providers, there may be multiple hard pulls, which could affect your score.
You consent to our use and analysis of your credit profile, credit score(s), and other credit information as needed to provide our Services. This includes, but is not limited to, (a) offering an overview of your credit history and scores; (b) presenting customized product and service recommendations; and (c) delivering targeted ads and other communications based on your preferences and/or Information.
Consent to Information Retention and Sharing
TruPro Finance adheres to state and federal regulations and its internal policies concerning data reporting and record retention for both Personally Identifiable Information (PII) submitted to us and potentially other Information received from third parties. As outlined earlier, we share the Information you provide with our Providers as part of delivering our Inquiry or other Services. Additionally, we may be required to collect information about you or your credit Products from Providers.
By submitting an Inquiry, creating a User Account, or saving your Information on or through our Site, you grant TruPro Finance permission to retain all provided information and any other Information we collect or receive about you. You also authorize TruPro Finance and our Providers, along with other necessary lenders, brokers, or third parties involved in providing the Services, to mutually share the Information you submit, Information received from third parties, and Information about you and/or your transactions with our Site and Services, or their websites and services, as necessary. Providers' privacy policies on their websites provide more details about the use and protection of your Information.
By using or continuing to use the Site and Services, you provide explicit written consent for TruPro Finance and its Providers to share your PII and other Information for purposes including, but not limited to, litigation, regulatory actions/investigations, law enforcement requests, internal analytics, and/or marketing. This Information may encompass the outcome of your loan application, loan amount, interest rate, APR, duration, fees charged, delinquency status (if any), or other details.
By using or continuing to use the Site and Services, you provide explicit written consent for TruPro Finance to share the following information with Program Partners: (a) The fact that an unidentified Provider has made a loan offer on unspecified terms and in an unspecified amount; (b) The fact that TruPro Finance was unable to find a loan offer; and (c) The fact that an unidentified Provider made a loan to you on unspecified terms and in an unspecified amount (collectively referred to as "Loan Offer Information").
Consent to Receiving Communications from TruPro Finance and Providers
By utilizing the Services, you expressly invite TruPro Finance and our Providers to contact you via phone at the numbers you have supplied, irrespective of whether they are landline or cellular numbers. This contact is intended to assist you with your transactions, and you hereby grant consent to such calls, even if your phone number is listed on any Do Not Call list. Furthermore, you acknowledge and agree that TruPro Finance and Providers, to whom Inquiries are directed, or associated third parties, may utilize an automatic dialing system for calls made to any provided phone number, including cellular phone numbers, or other numbers or services for which charges may apply to the called person(s).
You also grant consent to receive emails at the email address you provided, or at an alternative email address associated with you that we may receive from Providers or other parties. You confirm that such emails will not be considered spam or unauthorized under any local, state, or federal law or regulation.
If you wish to discontinue receiving communications from TruPro Finance, please reach out to Customer Service by emailing
[email protected]. You also agree to directly inform specific Providers if you no longer wish to receive communications from them.
Additional Terms for Inquiry Services
When submitting an Inquiry for a Product on the Site, we collect specific Information from you, including data such as your name, address, phone number, and social security number (SSN). This Information is then submitted to our Providers who obtain additional Information about you, including your credit report and history, from designated data vendors, including one or more of the national credit bureaus.
It is essential to note the following key conditions of the Inquiry process:
TruPro Finance does not guarantee approval for any particular loan or other Product, nor does it guarantee credit on specific terms. Approval is subject to further application review, market conditions, and other variables.
A Provider's conditional offer of credit is not legally binding and may be contingent upon additional review, market conditions, and other factors.
Your credit request may be denied even after receiving a conditional offer, or the terms on which credit is granted may change.
The final rates and fees for the Product may differ from those shown in the conditional offer on our Site based on additional information received by the Provider, including debt-to-income ratio, collateral value assessments, or other factors.
Product approval standards are solely determined by individual Providers, and TruPro Finance does not guarantee that the terms or rates offered are the best available in the market.
Providers may not offer their products in all states, and if you reside in a state where a Provider does not offer credit, you will not receive offers from that Provider.
TruPro Finance and our Providers reserve the right to discontinue, suspend, or terminate any loan or other product offering in any state or jurisdiction at any time without prior notice.
By clicking any button on the Site indicating acceptance of terms, continuation of processing, or submission of an Inquiry, you acknowledge and agree that you are submitting an Inquiry for a credit Product through TruPro Finance and the Providers in its Network.
Additional Terms for Other TruPro Finance Services
Periodically, TruPro Finance may promote offers for other products and services on the Site. This could include display or email advertising for third-party personal finance or other products, additional options to submit Inquiries for conditional customized offers, and attempts to connect you with lenders or other third-party providers if you are declined for conditional offers of credit after submitting an initial Inquiry.
In addition to our product marketing services, we may utilize your credit profile, credit score, and other pertinent information obtained from third parties or from you to organize, analyze, and report on that data for internal analytics and for your education and benefit. This may involve providing assessments of your outstanding debt balances, trends in those balances over time, comparisons of your credit score and profile to your peer group, aggregation of transactions across your financial accounts, or other similar information and features.
It is important to note that various credit profile data sources and credit score types typically do not align, and therefore, we do not guarantee that the information presented as part of our Services, including credit profile or credit score information, is the same information used or reviewed by any third parties for assessing your creditworthiness or eligibility for any particular product or service.
Moreover, any estimates or analyses provided are for illustrative and informational purposes only. These estimates and analyses are based on assumptions made by us, taking into account the limited data available to us. They are neither endorsed nor commissioned by any of our Providers or marketing partners. The strategies, procedures, and methodologies used to determine which product offers, estimates, analyses, or other information to present are confidential and proprietary.
Your TruPro Finance User Account
While exploring our Site and using our Services, you may have the option to sign up for a TruPro Finance User Account. While signing up is optional, failure to do so may restrict your access to certain parts of our Site and Services.
By signing up for a TruPro Finance User Account, you affirm that:
You are 18 years of age or older.
You possess a valid U.S. Social Security Number.
Any information provided to us at the time of sign-up, or subsequently, is true, accurate, current, and complete.
You will keep all information in your User Account up to date.
You are registering a User Account solely for yourself.
You will not sell, transfer, or assign your User Account to any third party.
You will maintain the confidentiality of your password and will not allow anyone else to log in to your User Account. You are solely responsible for maintaining the confidentiality of your User Account and the associated information.
You are solely responsible for any and all activities that occur under your User Account, whether by authorized or unauthorized persons.
You will comply with applicable laws when using our Site and Services and will not use our Services for obtaining consumer credit information under false pretenses or in violation of the Fair Credit Reporting Act or applicable laws.
You will use your User Account for personal, non-commercial purposes only.
If you believe that your User Account has been compromised or is no longer secure, please notify us immediately at
[email protected]. You can also contact the Federal Trade Commission, the national credit reporting bureaus (TransUnion, Experian, and Equifax), and/or local law enforcement.
Upon signing up as a User, you authorize us to create and maintain a User Account in your name using your account sign-up information and other Information collected about you in accordance with this Agreement and our Privacy Policy (referred to as your "User Profile"). We reserve the right to repossess or deny access to use any password and/or User Account ID that has been created.
Links to Third-Party Websites or Applications
We may display third-party content or links to third-party websites or applications on the TruPro Finance site or in emails we send to you. This content may include advertisements for third-party products and services, or applications that allow you to connect your TruPro Finance User Account with your social media, financial institution, and other third-party accounts. We do not operate, control, or endorse any such third-party content, products, services, systems, or applications ("Third-Party Features") or the companies providing them.
When you leave the TruPro Finance Site and interact with any Third-Party Features, TruPro Finance is not responsible for the accuracy or reliability of the information
Disclaimers and Limitations of Liability
TruPro Finance strives to provide accurate and reliable information on the Site and through its Services. However, errors may occur. TruPro Finance will not be held liable for any loss or damage resulting from your reliance on information obtained through the Site or Services. It is your responsibility to assess the accuracy, completeness, and usefulness of any information, opinion, advice, or other content available on the Site or through the Services. Additionally, TruPro Finance is not responsible for errors or delays in responding to an Inquiry or other communication caused by technical or other problems beyond our reasonable control.
THE TRUPRO FINANCE SITE AND THE INFORMATION, CONTENT, SOFTWARE, PRODUCTS, AND SERVICES ASSOCIATED WITH IT ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT ANY WARRANTY OR CONDITION OF ANY KIND, EXPRESS OR IMPLIED. TRUPRO FINANCE, ON BEHALF OF ITSELF, ITS AFFILIATES, AND ITS ASSOCIATED PARTIES, DISCLAIMS, TO THE EXTENT PERMITTED BY APPLICABLE LAW, ANY WARRANTY OF ANY KIND, WHETHER EXPRESS OR IMPLIED, RELATING TO THE SITE AND ANY INFORMATION, CONTENT, SOFTWARE, PRODUCTS, OR SERVICES PROVIDED HEREIN. THIS INCLUDES, WITHOUT LIMITATION, IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NONINFRINGEMENT.
YOUR USE OF THE SITE, ANY CONTENT CONTAINED THEREIN, AND TRUPRO FINANCE SERVICES IS AT YOUR OWN DISCRETION AND RISK. TRUPRO FINANCE AND ITS AFFILIATES AND ASSOCIATED PARTIES ARE NOT LIABLE FOR ANY DIRECT, INDIRECT, PUNITIVE, INCIDENTAL, SPECIAL, OR CONSEQUENTIAL DAMAGES OR OTHER INJURY ARISING OUT OF OR IN ANY WAY CONNECTED WITH THE USE, OR THE INABILITY TO USE, THE SITE OR TRUPRO FINANCE SERVICES. THIS INCLUDES DELAYS OR INABILITY TO USE THE SITE OR SERVICES, OR FOR ANY INFORMATION, CONTENT, SOFTWARE, PRODUCTS, OR SERVICES OBTAINED THROUGH THE SITE. SUCH DAMAGES MAY RESULT FROM DEFECTS, MISTAKES, INTERRUPTIONS, DELETION OF INFORMATION, ERRORS, OMISSIONS, VIRUSES, WORMS, TROJAN HORSES, BACK DOORS, OR OTHER CODE OR PROGRAMMING THAT IS MALICIOUS, DESTRUCTIVE, OR INTENDED TO DAMAGE, DETRIMENTALLY INTERFERE WITH, SURREPTITIOUSLY INTERCEPT, OR EXPROPRIATE ANY SYSTEM, DATA, OR PERSONAL INFORMATION. THESE DAMAGES MAY ALSO RESULT FROM DELAYS IN OPERATION OR TRANSMISSION, OR ANY FAILURE OF PERFORMANCE, WHETHER OR NOT RESULTING FROM ACTS OF GOD, COMMUNICATIONS FAILURE, THEFT, DESTRUCTION, OR UNAUTHORIZED ACCESS TO TRUPRO FINANCE RECORDS, PROGRAMS, OR SERVICES.
NO ADVICE OR INFORMATION, WHETHER ORAL OR WRITTEN, OBTAINED BY YOU FROM OUR SITE, CONTENT, OR SERVICES WILL CREATE ANY WARRANTY REGARDING TRUPRO FINANCE OR ANY OF OUR SERVICES THAT IS NOT EXPRESSLY STATED IN THESE TERMS. YOU ASSUME ALL RISK FOR ANY DAMAGE THAT MAY RESULT FROM YOUR USE OF OR ACCESS TO OUR SITE AND SERVICES, YOUR INTERACTIONS WITH ANY OTHER TRUPRO FINANCE USER OR OTHER THIRD PARTY, AND YOUR USE OF CONTENT MADE AVAILABLE THROUGH OUR SITE OR SERVICES. YOU ARE ALSO SOLELY RESPONSIBLE FOR ANY DAMAGE TO YOUR PROPERTY (INCLUDING ANY COMPUTER SYSTEM OR MOBILE DEVICE USED IN CONNECTION WITH OUR SERVICES), OR THE LOSS OF DATA THAT MAY RESULT FROM THE USE OF OUR SITE OR SERVICES OR THE USE OF ANY CONTENT MADE AVAILABLE THROUGH OUR SITE OR SERVICES.
YOU ACKNOWLEDGE THAT TRUPRO FINANCE IS SOLELY AN INTERMEDIARY: (A) BETWEEN YOU AND ANY CREDIT BUREAU OR OTHER INFORMATION PROVIDERS SUPPLYING YOUR CREDIT PROFILE, CREDIT SCORES, AND OTHER INFORMATION; AND (B) BETWEEN YOU AND OUR PROVIDERS AND OTHER MARKETING PARTNERS WHOSE OFFERS WE PRESENT. TRUPRO FINANCE EXPRESSLY DISCLAIMS ANY LIABILITY FOR ANY ERRORS OR OMISSIONS IN OUR CONTENT OR OUR SERVICES, INCLUDING THE INACCURACY OR INCOMPLETENESS OF ANY SUCH CREDIT OR OTHER INFORMATION, TOOLS MADE AVAILABLE, OR ANALYSES PRESENTED THROUGH OUR SITE OR SERVICES.
NOTWITHSTANDING THE FOREGOING, NOTHING HEREIN SHALL AFFECT WARRANTIES THAT ARE INCAPABLE OF EXCLUSION OR RESTRICTION UNDER APPLICABLE LAW.
IF YOU ARE A CALIFORNIA RESIDENT, YOU WAIVE CALIFORNIA CIVIL CODE SECTION 1542, WHICH STATES, IN PART: “A GENERAL RELEASE DOES NOT EXTEND TO CLAIMS WHICH THE CREDITOR DOES NOT KNOW OR SUSPECT TO EXIST IN HIS OR HER FAVOR AT THE TIME OF EXECUTING THE RELEASE, WHICH IF KNOWN BY HIM OR HER MUST HAVE MATERIALLY AFFECTED HIS OR HER SETTLEMENT WITH THE DEBTOR.”
Indemnification
As a condition of use of the Site and/or TruPro Finance services, you agree to defend, indemnify, and hold harmless TruPro Finance and its Associated Parties from and against any and all liabilities, claims, expenses (including attorneys’ fees), demands, and damages arising out of or in any way related to (a) your use of our Site or Services; (b) your violation or alleged violation of this Agreement or any applicable law; (c) your infringement or alleged infringement of any intellectual property or other right of any other person or entity; or (d) any dispute between you and a third party, including any provider of Content. You must not settle any such claim or matter without the prior written consent of TruPro Finance. TruPro Finance and its Associated Parties reserve the right, at their own expense, to assume the exclusive defense and control of any matter subject to indemnification by you, and you further agree that you will cooperate fully in the defense of any such claims.
Dispute Resolution
You and we each agree to resolve exclusively through final and binding arbitration any and all disputes or claims that have arisen or may arise between you and us, relating to any aspect of our relationship or any contact between us, direct or indirect, or arising out of this or previous versions of this Agreement, your use of or access to our Site or Services, or any products or services sold, offered, or purchased through our Site or Services (“Dispute”).
You and we agree to submit the Dispute to a single arbitrator under the then-current Commercial Arbitration Rules of the American Arbitration Association (AAA), including when applicable the Optional Rules for Emergency Measures of Protection and the Consumer Arbitration Rules, or, by separate mutual agreement, at another arbitration institution. The AAA’s rules, information regarding initiating a claim, and a description of the arbitration process are available at www.adr.org. The location of the arbitration and the allocation of fees and costs for such arbitration shall be determined in accordance with the AAA rules. As an alternative, you or we may bring a claim in your local “small claims” court, if permitted by that small claims court’s rules.
The Federal Arbitration Act governs the interpretation and enforcement of this section regarding our agreement to arbitrate any Dispute (“Agreement to Arbitrate”), and the arbitrability of the Dispute. The arbitrator will decide whether the Dispute can be arbitrated.
You and we agree that each of us may bring a Dispute against the other only on our own behalf, and not on behalf of a government official or other person or entity, or a class of persons or entities. You and we agree, if we are a party to the proceeding, not to participate in a class action, a class-wide arbitration, a claim brought in a private attorney general or representative capacity, or a consolidated claim involving another person’s use of the site or our services. You and we agree not to combine a claim that is subject to arbitration under this Agreement with a claim that is not eligible for arbitration under this Agreement. You and we agree to waive the right to a trial by jury for all disputes.
This Agreement to Arbitrate will survive the termination of your relationship with us.
Unless you and we agree otherwise, if the Agreement to Arbitrate is found by a court to be unenforceable, if your claim is not covered by the Agreement to Arbitrate, or if you neither are a resident of nor have a principal place of business in the US or Canada, you agree that any Dispute that has arisen, or may arise, between you and us must be resolved exclusively by a state or federal court located in Chicago, Illinois. You and we agree to submit to the personal jurisdiction of the courts located within Chicago, Illinois for the purpose of litigating all such claims or disputes.
Notwithstanding any provision in the Agreement to the contrary, you and we agree that if we make a change to this Agreement to Arbitrate (other than a change to the notice address or the site link provided herein) in the future, that change shall not apply to a claim that was filed in a legal proceeding between you and us prior to the effective date of the change. The change shall apply to all other disputes or claims governed by the Agreement to Arbitrate that have arisen, or may arise, between you and us. We will notify you of a change to this Agreement to Arbitrate by posting the amended terms on our Site at least 30 days before the effective date of the change.
Unless you and TruPro Finance agree otherwise, if the agreement to arbitrate is found by a court to be unenforceable, if your claim is not covered by the agreement to arbitrate, or if you neither are a resident of nor have a principal place of business in the United States or Canada, you agree that any dispute that has arisen, or may arise, between you and us must be resolved exclusively by a state or federal court located in Chicago, Illinois. You and we agree to submit to the personal jurisdiction of the courts located within Chicago, Illinois for the purpose of litigating all such claims or disputes. If either party employs attorneys to enforce any right in connection with any Dispute or lawsuit, the prevailing party shall be entitled to recover reasonable attorneys’ fees. You and TruPro Finance both agree that, despite the foregoing, nothing in this Agreement will limit the right of either of us to bring an individual action in a local small claims court.
Miscellaneous Terms
This Agreement hereby incorporates by reference any other provisions applicable to the use of the Site and Services, including, but not limited to, any supplemental terms governing the use of certain specific material contained in the Site or through the Services, and any operating rules for the Site established by TruPro Finance.
This Agreement, our Privacy Policy, the User Content Rules, and any other agreements you may enter into in the course of using the Site and Services constitute the entire agreement between you and TruPro Finance. It supersedes all prior or contemporaneous communications, promises, and proposals, whether oral, written, or electronic, between you and TruPro Finance with respect to the Site and information, software, products, and Services associated with it.
This Agreement shall be subject to and construed in accordance with the laws of the State of Illinois, excluding conflict of laws provisions.
If any provision of this Agreement is deemed to be invalid or unenforceable pursuant to applicable law, including, but not limited to, the warranty disclaimers and liability limitations set forth above, then the invalid or unenforceable provision will be deemed superseded by a valid, enforceable provision that most closely matches the intent of the original provision. The remainder of the Agreement shall continue in full force and effect. Nothing in the Agreement shall affect any non-waivable statutory rights or remedies that apply to you.
Our failure to enforce any of our rights or act with respect to a breach by you or others of the Agreement does not constitute a waiver of any rights and will not limit our rights with respect to that breach or any subsequent breaches. No waiver by TruPro Finance of any of the provisions in the Agreement will be of any force or effect unless made in writing and signed by a duly authorized officer of the Company.
We may modify this Agreement at any time by posting a revised version on the Site. If we do so, we will post a notice of change on the Site. Any modification will be effective on the effective date that appears at the top of the page of the amended Agreement. You acknowledge and agree that it is your responsibility to review this Agreement from time to time to learn about any modifications. By continuing to use our Services following any modification to these terms, our Privacy Policy, or any other associated terms, you are agreeing to the Agreement(s) as modified.
A printed version of this Agreement and of any notice given in electronic form shall be admissible in judicial or administrative proceedings based upon or relating to this Agreement to the same extent and subject to the same conditions as other business documents and records originally generated and maintained in printed form. All rights not expressly granted herein are reserved.
We may assign this Agreement to any party at any time without notice to you. You may not assign your rights under the Agreement without our consent.
The section titles contained in this Agreement are inserted only for convenience and have no legal or contractual effect. The Agreement will not be construed against TruPro Finance because we drafted it.
PLEASE PRINT AND RETAIN A COPY OF THIS AGREEMENT FOR YOUR RECORDS.
Last updated February 8, 2024