Anthem Loan Group

Terms & Service

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Anthem Loan Group (“ALG”) maintains this Website (“Website”) with the purpose of offering general information about our organization. Within these Terms and Conditions, references to “Us,” “We,” and “Our” pertain to Anthem Loan Group, its subsidiaries, and affiliated entities.

Your access to and usage of this Website are subject to the following terms and conditions (“Terms and Conditions”). By using this Website, you acknowledge and agree to abide by these Terms and Conditions, whether or not you have thoroughly reviewed all the pertinent terms. Please note that these terms may be revised and updated periodically without prior notice. Any such modifications become effective immediately upon being posted on this Website. Therefore, each time you visit this Website, it is advisable to review the current Terms and Conditions and any linked documents, if applicable. Your continued use of this Website indicates your acceptance of the existing Terms and Conditions.

Terms and Conditions:

  1. Contact Information

When you submit your contact details, including your name, phone number, mobile phone number, and email address, you acknowledge that we or a related or unrelated company may contact you via email or phone to discuss your inquiry. You provide your consent for this contact. Additionally, you understand that you may receive SMS/text messages from ALG concerning your transaction, and you consent to such communication. Please note that standard message and data rates may apply, and message frequency may vary.

  1. Representations

Every entry you make on this Website represents your affirmation that the information provided is truthful and reasonable. You affirm that no information, which could substantially affect the accuracy or reasonableness of the entry, has been omitted.

  1. Content

The entirety of the content featured on this Website, including text, graphics, logos, images, audio clips, video, data, music, software, and other materials (collectively “Content”), is either owned or licensed by us or is the property of our licensors. It is safeguarded by copyright, trademark, patent, and other proprietary rights. The compilation, arrangement, and assembly of all Content on this Website are exclusively owned by us and are protected by U.S. and international copyright laws. We and our licensors explicitly retain all intellectual property rights in all Content.

  1. Copyright and Trademarks

This Website is subject to copyright protection, and the Content herein must not be replicated, distributed, altered, or otherwise used in violation of copyright law. You are not permitted to copy, use, distribute, or modify any of the contents of the Website for public or commercial purposes without obtaining prior written consent from us. However, we grant you permission to create one copy of the Content on any or all pages of this Website for personal use or reference, provided that you retain all our copyright or other proprietary notices on all such copies. It is important to note that this permission is automatically revoked upon any violation of these Terms and Conditions. We do not guarantee that your use of the materials displayed on this Website will be exempt from claims of infringement by third parties.

  1. Trademarks:

Our name, logo, and any other marks employed on this Website to signify the source of our information, products, or services are our registered trademarks. Any additional trademarks featured on this Website are the sole property of their respective owners.

  1. No Reliance:

Although we make every effort to maintain the accuracy and currency of the information on this Website, we make no guarantees or representations regarding the currentness or accuracy of any data on this Website. You are strongly advised not to base any actions or decisions on any statement found on this Website. We cannot be held legally responsible for any errors or omissions in the content of this Website.

  1. Disclaimer of Contract:

Except for these Terms and Conditions, no statement on this Website constitutes an independent contract, representation, warranty, an offer to enter into a contract, or an offer of employment. Any statement made by us on this Website is not, and shall not be considered, implicitly or explicitly incorporated into any contract or employment relationship with us. The only terms and conditions applicable to our performance are expressly stated in a separate written agreement executed by us.

  1. Limitation of Liability and Disclaimer of Warranties:

Your use of this Website is entirely at your own risk. Neither We, our directors, our affiliates, nor any other party involved in creating, producing, or delivering this Website will be responsible for any direct, incidental, consequential, indirect, or punitive damages arising from your access to or usage of this Website, regardless of the basis for the claim. The content and functionality of this Website are provided “AS IS” and “WITHOUT WARRANTY OF ANY KIND,” whether expressed or implied. The implied warranties of merchantability and fitness for a specific purpose are disclaimed. Some jurisdictions may not permit the exclusion of implied warranties, so some of these exclusions may not apply to you.

  1. Damage to Property:

Electronic communications, databases, and websites are susceptible to errors, malfunctions, tampering, and intrusions, and their use may result in damage to your systems or operations. We bear no responsibility for, and shall not be liable for any damage to your computer equipment, software, or other property, even if it is caused by your access to or usage of this Website or your download of any materials (including text, images, video, or audio) from this Website. It is your responsibility to employ suitable measures, such as virus-detection software, to safeguard your information technology assets.

  1. Termination:

We retain the right, without prior notice, and at our sole discretion, to terminate your use of this Website and to block or prohibit future access to and use of this Website if you breach any of these Terms and Conditions. Upon such termination, your right to use this Website will be immediately revoked. You acknowledge that any termination of your access to or usage of this Website may be executed without advance notice, and we may promptly deactivate or delete your password and username, if applicable, along with all related information and files, or prohibit any further access to such information or files. We are not liable to you or any third party for any termination of your access to this Website.

  1. No Unlawful or Prohibited Uses:

This Website is intended solely for lawful purposes. By using this Website, you warrant to us that you will not employ it for any unlawful or prohibited purpose under these Terms and Conditions.

You grant authorization to your wireless operator (e.g., AT&T, Sprint, T-Mobile, US Cellular, Verizon, or any other branded wireless operator) to employ your mobile number, name, address, email, network status, customer type, customer role, billing type, mobile device identifiers (IMSI and IMEI), and other subscriber status details, if available, for the sole purpose of verifying your identity and comparing the information you have provided to Anthem Loan Group with your wireless operator account profile information for the duration of the business relationship. Please refer to our Privacy Policy for details on how we handle your data.

  1. Links to Third Parties’ Websites:

This Website may contain links and interactive features connecting to third-party websites. We have not examined all of these third-party websites. We hold no responsibility for, and bear no liability for, the functionality, actions, inactions, privacy settings, privacy policies, terms and conditions, and content of any such websites. The links and interactive features for third-party websites on this Website do not constitute an endorsement by us of these third-party websites. YOUR USE OF THIRD-PARTY WEBSITES AND RESOURCES IS AT YOUR OWN RISK.

  1. Cookies

A cookie is a small data file that gets placed on your computer’s hard drive when you visit a website. There are two types of cookies: “session cookies,” which expire when you close your browser, and “persistent cookies,” which store information on your hard drive for future visits to the same website. Additionally, a web beacon, a small piece of code representing a clear graphic image, is used in conjunction with cookies.

When you browse our website, we may employ both session and persistent cookies. These cookies may contain information, such as a unique user ID, to monitor your website usage and, in some cases, your email address. Web beacons help us collect various types of data about your actions on our site, including your cookie number, timestamp, duration, page views, the location of the web beacon, and specifics about any purchases made.

  1. Mobile Privacy

We offer mobile applications, often referred to as “apps,” through which you can submit personal information, including images of documents. Rest assured, all the personal information gathered through our mobile application is safeguarded by our privacy policy.

  1. Referral URL Retargeting

We may present interest-based ads to you using Yahoo’s Referral URL Retargeting, with this sharing adhering to Yahoo’s privacy policy.

  1. Facebook Custom Audience

When you use Facebook, we might display interest-based ads to you through Facebook’s Custom Audience Tool. Importantly, we do not disclose any of your personal information to Facebook. This tool allows us to convert your email address into a unique identifier, which Facebook matches to unique identifiers generated from email addresses of its users.

  1. Social Media Interactions

Feel free to engage with us and share your experiences with your friends through social media tools like Facebook, Twitter, Pinterest, and Instagram. If you choose to use these tools, you may share certain elements of your profile, including your comments. Please be aware that this sharing is subject to the privacy policies of each respective social media platform.

 

  1. Reviews, Comments, Submissions, and Other Interactions

We appreciate your input, whether in the form of reviews, comments, photos, videos, or any other content that you contribute to this website (referred to as “User Content”). However, your User Content must adhere to these Terms and Conditions.

By submitting User Content, you agree that it will be:

  • Accurate
  • Compliant with all applicable laws and regulations
  • Respectful of third-party rights, including copyrights, trademarks, privacy, and publicity rights
  • Harmless to individuals or entities
  • Free from obscene, profane, or threatening language, malware, political campaigning, commercial solicitation, chain letters, mass mailings, spam, or any material that could be considered harmful, sexually explicit, indecent, lewd, violent, abusive, or degrading

You are solely responsible for the User Content you provide, and we bear no liability for any User Content submitted by you. Please note that we reserve the right, at our discretion, to:

  • Monitor User Content
  • Modify, remove, or decline to post User Content
  • Disclose User Content and the circumstances surrounding its transmission to third parties

When you submit User Content, you grant us a non-exclusive, sublicensable, fully paid-up, perpetual, irrevocable, royalty-free, transferable right and license to use, display, perform, transmit, copy, modify, delete, adapt, publish, translate, create derivative works from, sell, and distribute such User Content. This includes incorporating the User Content into any form, medium, or technology, whether now known or developed in the future, worldwide, and without any compensation to you. Please avoid sending us User Content that you do not wish to license to us, including confidential information or original creative materials such as stories, product ideas, computer code, or original artwork. Additionally, you grant us the right to include the name provided along with the User Content you submit, although we are not obligated to do so. We do not take responsibility for the use or disclosure of any personal information you voluntarily share in connection with any User Content you submit. You affirm that you possess all necessary rights to grant the licenses outlined in this section and, furthermore, waive any “moral rights” or other rights related to attribution of authorship or integrity of materials under any applicable law or legal theory.

Content on this website may also be provided by third-party visitors. Please be aware that these visitors may post content that is inaccurate, misleading, or deceptive. We do not endorse or take responsibility for any opinions, advice, information, or statements made by third parties. We shall not be held liable for any loss or damage resulting from your reliance on such information or materials. The opinions expressed by third parties solely represent the views of the individuals who submitted them and may not reflect our own opinions.

  1. Indemnification and Defense

By using this website, you agree to defend, indemnify, and hold us, along with our employees, directors, officers, agents, vendors, and suppliers, harmless from any liabilities, losses, investigations, inquiries, claims, suits, damages, costs, and expenses (including reasonable attorney’s fees and expenses), collectively referred to as “Claims.” These Claims arise from your use of this website, including any User Content you submit and any Claims alleging facts that, if true, would constitute a breach of these Terms and Conditions.

  1. Notices and Electronic Communication

Unless explicitly specified otherwise, any notices sent to us must be mailed to 314 Cherry Avenue Suite 100, Voorhees, NJ 08043, Attn: Legal Notices. As for notices we send to you, you agree to receive them through postings on this website, emails sent to the address you provided, or physical mail sent to your previously provided address. You acknowledge that all agreements, notices, disclosures, and other communications conforming to the aforementioned methods meet the legal requirement for written communication. Notice shall be considered given (i) 24 hours after being posted on this website or an electronic message is sent, unless the sending party receives notice that the message didn’t reach the recipient, or (ii) in the case of mailing, three days after the mailing date. You agree that a printed version of these Terms and Conditions or any notice delivered electronically is admissible in judicial or administrative proceedings related to these Terms and Conditions, subject to the same conditions as other business documents and records initially created and maintained in printed form.

  1. Rules for Promotions

Any Promotions, including sweepstakes, contests, or other offerings accessible through this website, may be subject to separate rules distinct from these Terms and Conditions. If you participate in any Promotions, please review the applicable rules and our Privacy Policy. In case of conflicts between the Promotion rules and these Terms and Conditions, the Promotion rules will take precedence.

  1. Miscellaneous

These Terms and Conditions, including any policies or information linked or incorporated herein, constitute the full agreement between you and us concerning this website, replacing all prior or contemporaneous communications, agreements, and proposals. No provision of these Terms and Conditions can be waived except through a written agreement executed by the party against whom the waiver is sought. The failure to exercise, partially exercise, or delay in exercising any right or remedy under these Terms and Conditions will not result in a waiver or estoppel of any right, remedy, or condition. If any provision in these Terms and Conditions is found invalid, illegal, or unenforceable, the validity, legality, and enforceability of the remaining provisions will not be affected. You may not assign, transfer, or sublicense any of your rights or obligations under these Terms and Conditions without our express prior written consent. We will not be responsible for failing to fulfill any obligation due to causes beyond our control.