Conditions are applicable to you when using 8KFUNDS website (hereinafter “Service”) or loan connection service (hereinafter “Service”).

Terms & Conditions and Terms of Use When using this Service, you agree to be bound by the terms and conditions below. Please read these carefully. If you do not agree to these terms and conditions, please do not access or use this Service. This Service is operated by 8KFUNDS.

Services and Products on offer You understand and agree that 8KFUNDS is not a lender and is not the creditor for or issuer of the products featured on this Service. Additional services or products shown on this Service after you have received a loan are offered by and remain the sole responsibility of the respective product vendors and service providers.

Credit Authorization You acknowledge and agree, under the Consumer Reporting Act, authorize 8KFUNDS, lenders and/or service providers to obtain consumer and related information about you from one or more consumer reporting agencies for the purposes of connecting you with lenders and/or service providers, (b) that your information may be sent to lenders and/or service providers on your behalf, (c) that your information may be used in order to make sure you are who you say you are, and to determine how much debt you currently have in order to determine your debt-to-income ratio, (d) such lenders and/or service providers may obtain consumer reports and related information about you from one or more consumer reporting agencies, such as TransUnion, Experian and Equifax, (e) and your information may be used by lenders and/or service providers to make prequalification and other credit decisions.

Security Every endeavor is made to protect your personal information; however, we cannot guarantee that personal information will not be intercepted or decrypted by others. We accept no responsibility for such interception or decryption.

Cookies This Service utilizes “cookies” and web server logs to collect information regarding the usage of this Service. This may include the date and time of visits, the pages viewed, time spent at our Service, and the website visited just prior and just following our website. None of this information is associated with you as an individual. “Cookies” are a feature of web browser software that allows web servers to recognize the computer used to access a website. Cookies are small pieces of data that are stored by a user’s web browser on the user’s hard drive. Cookies can remember what information a user accesses on one web page to simplify subsequent interactions with that website by the same user or to use the information to streamline the user’s transactions on related web pages. This makes it easier for a user to move from web page to web page and to complete commercial transactions over the Internet. Cookies should make your online experience easier and more personalized.

Service Use This Service is a free service to you. We may receive compensation from Suppliers for goods, facilities and services that we may provide to them under separate contract. Such goods, facilities or services may or may not relate in any way to your use of our Service. You agree to any such compensation arrangement whether or not related in any way to your use of our Service.

Limitation of Liabilities and Warranties THIS SERVICE AND THE INFORMATION, SOFTWARE, PRODUCTS, AND SERVICES ASSOCIATED WITH IT ARE PROVIDED “AS IS”. 8KFUNDS DISCLAIMS ANY WARRANTY OF ANY KIND, WHETHER EXPRESS OR IMPLIED, AS TO ANY MATTER WHATSOEVER RELATING TO THIS SERVICE AND ANY INFORMATION, SOFTWARE, PRODUCTS OR SERVICES PROVIDED HEREIN, INCLUDING WITHOUT LIMITATION THE WARRANTIES OF TITLE, NON-INFRINGEMENT, MERCHANTABILITY, OR FITNESS FOR A PARTICULAR PURPOSE. 8KFUNDS MAKES NO WARRANTY AS TO THE RESULTS THAT MAY BE ACHIEVED BY USING THIS SERVICE AND THE INFORMATION, SOFTWARE, PRODUCTS AND SERVICES ASSOCIATED WITH IT. USE OF THIS SERVICE AND/OR 8KFUNDS SERVICES IS AT YOUR OWN RISK. 8KFUNDS AND/OR ITS PARTICIPATING LENDERS OR ADVERTISERS OR ANY OF THEIR OFFICERS, DIRECTORS, AGENTS, SUBSIDIARIES, AFFILIATES, EMPLOYEES, SUCCESSORS, ASSIGNS, CONTENT PROVIDERS, OR SERVICE PROVIDERS WILL NOT BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL, OR PUNITIVE DAMAGES OR OTHER INJURY ARISING OUT OF OR IN ANY WAY CONNECTED WITH THE USE OF THIS SERVICE AND/OR 8KFUNDS SERVICES OR WITH THE DELAY OR INABILITY TO USE THIS SERVICE, OR FOR ANY INFORMATION, SOFTWARE, PRODUCTS AND SERVICES OBTAINED THROUGH THIS SERVICE, OR OTHERWISE ARISING OUT OF THE USE OF THIS SERVICE, WHETHER RESULTING IN WHOLE OR IN PART, FROM BREACH OF CONTRACT, TORTIOUS BEHAVIOR, NEGLIGENCE, STRICT LIABILITY OR OTHERWISE, EVEN IF 8KFUNDS OR ITS PARTICIPATING LENDERS HAVE BEEN ADVISED OF THE POSSIBILITY OF DAMAGES. SOME PROVINCES DO NOT ALLOW THE LIMITATION OF LIABILITY AND DISCLAIMER OF IMPLIED WARRANTIES, SO THE DISCLAIMERS AND LIMITATIONS ABOVE MAY NOT APPLY TO YOU. IN SUCH PROVINCES, THE RESPECTIVE LIABILITY OF 8KFUNDS, ITS PARTICIPATING LENDERS, AND THEIR OFFICERS, DIRECTORS, AGENTS, SUBSIDIARIES, AFFILIATES, EMPLOYEES, SUCCESSORS, ASSIGNS, CONTENT PROVIDERS AND SERVICE PROVIDERS IS LIMITED TO THE GREATEST EXTENT PERMITTED BY LAW.

Indemnity As a condition of your use of this Service, you agree to indemnify 8KFUNDS and any company that provides services in the operation of this Service, from and against any and all damages, liabilities, losses, costs or expenses (including attorneys’ fees) arising out of, relating to or resulting from your use or attempted use of this Service.

Disputes and Resolution If you have any dispute concerning any aspect of these Terms of Website Use, the Website, or any of our services, you agree to submit your dispute for resolution by arbitration before the Canadian Arbitration Association in the province where you live by filing a Demand for Arbitration. The arbitrator will have exclusive authority to resolve any dispute including any claim that all or any part of these Terms of Website Use are unenforceable.