Please read these terms and conditions carefully before using Our Service.
These Terms of Use govern your access to and use of our online platforms, including our website and any mobile applications that link to or reference these Terms (collectively referred to as the “Sites”). “My Policy Loan,” “we,” “us,” or “our” refers to My Policy Loan and its affiliated brands, subsidiaries, and partners. “You,” “your,” or “user” refers to any individual accessing or using the Sites. By using the Sites, you confirm that you have read, understood, and agree to be bound by these Terms of Use (referred to as “Terms”). If you do not agree to these Terms, you must stop using the Sites immediately. Additionally, by using the Sites, you confirm that you have reviewed and understood our Privacy Policy, which explains how we collect, use, disclose, and protect your information.
My Policy Loan reserves the right to modify these Terms and any additional terms at any time without prior notice, at our sole discretion. Any changes will be reflected by updating the “Effective Date” at the top of these Terms. Continued use of the Sites after changes have been made constitutes your acceptance of the updated Terms.
The information and content (“Content”) provided on our Site are intended to give general guidance and are not comprehensive descriptions of all terms, conditions, or exclusions of the products and services offered. For more detailed information about our offerings, please refer to the specific sections related to each product or service on the Site. All products and services are subject to qualification requirements and may be modified at any time without prior notice. Availability may vary by jurisdiction, and not all offerings may be available through every affiliate. This Site does not define the terms of any specific policy, and coverage may vary depending on state laws and individual circumstances.
Our Site may include links to third-party websites for your convenience. These external sites are not under our control, and we are not responsible for their content, accuracy, availability, or the privacy policies of those sites. We do not endorse, verify, or assume liability for the information or services provided by external websites.
Our Sites are not intended for users under the age of sixteen (16), and we do not knowingly collect personal information from children under this age. If we become aware that we have inadvertently collected such information, we will promptly delete it from our records.
The content provided on this Site is accurate at the time of publication. However, it may change without notice, and we do not guarantee its accuracy or timeliness. We are not liable for any errors, omissions, or availability issues concerning the content. The Site and its content are provided "as is" and "as available," without any warranties or representations. We reserve the right to modify, remove, or add content at any time without prior notice.
Your use of this Site is at your own risk. We do not guarantee that the Site's content is always current or accurate. We are not responsible for any issues arising from outdated or inaccurate content. The content on the Site is provided "as is," and we disclaim all warranties, whether express or implied, including those related to merchantability or fitness for a particular purpose. We are not liable for any damages, whether direct, indirect, or incidental, that arise from your use of this Site.
You agree to indemnify and hold My Policy Loan, its affiliates, employees, and agents harmless from any third-party claims, damages, or losses that arise from your misuse of the Site or failure to comply with these Terms.
The content on this Site is for informational purposes only. We recommend consulting with financial, legal, and other professionals before making any decisions. The Site does not offer tax, legal, investment, or accounting advice. Any information posted here is not a recommendation to engage in specific transactions.
A failure or delay in exercising any right or provision of these Terms does not waive that right or provision.
These Terms, along with any Additional Terms, form the complete and exclusive agreement between you and My Policy Loan regarding your use of the Sites. If any provision is found to be invalid, the remaining provisions will continue to be in effect.
You agree not to use the Site in any manner that violates laws or regulations, or attempts unauthorized access to our systems or networks. Additionally, you are prohibited from sharing harmful, offensive, or illegal content, as well as introducing malicious software that may disrupt the Site’s functionality. The Site may not be used for advertising or solicitation purposes, nor may you copy, distribute, or modify its content without proper authorization. Automated tools to extract data are not permitted, except in specific cases. Furthermore, you must not use the Site for unauthorized purposes or reproduce its content on other websites without permission.
We reserve the right to modify, suspend, or discontinue access to the Site at any time, for any reason, at our discretion, without prior notice.
My Policy Loan reserves the right to terminate or limit your access to the Site without notice and for any reason. Certain provisions will remain in effect even after termination, including those regarding content usage, liability, and governing law.
You are granted a limited, non-exclusive, revocable license to access and use the Site in accordance with these Terms. If you disagree with these Terms, you must cease using the Site immediately.
While we take measures to protect the Site, no online service is completely secure. By using the Site, you acknowledge and accept the risks of unauthorized access or misuse. You are responsible for securing your devices and utilizing appropriate password protection.
By submitting materials (excluding personal data governed by our Privacy Policy) to the Site, you grant My Policy Loan a non-exclusive, irrevocable, royalty-free license to use, reproduce, and display those materials. You may not submit offensive, discriminatory, or unlawful content, and we reserve the right to take appropriate actions against such submissions.
We reserve the right to update or add new features to the Site. If you use our mobile app, you may be required to accept new Terms of Use when updates are available. We are not obligated to support older versions of the Site once updates are released.
If you have any questions or concerns regarding these Terms, please contact us via email contact@mypolicyloan.com or you can write to us at 2332, Stutler Lane Rockland, Palau, 16374.