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Credit Monitoring and Restoration & Much More
Formation Of Businesses & More
Providing Business Phone Solutions
Certified Business Valuations
“I created my profile and got my loan. It was SO SIMPLE. ZOOMERAL truly delivered. I love the platform!”
R.S. Jr., Technology Company Owner/Executive
“Creating my profile was very easy. The software just asked me some simple questions and I was all done.”
John C., Individual Borrower
"As an investor, I have never had an easier time finding a loan to make. I just found a company and made them a loan! HUGE FAN OF YOUR PLATFORM. Can’t wait to see and do more!”
Todd M., Accredited Investor
“I am 90 years old and it couldn't have been more user-friendly. I was able to get an offer very quickly. My Promoter, John was outstanding. Thanks again!” -
As a lender I found it easy to communicate with my borrower. And I love
that I can talk to, send and receive documents securely at any time of day! - G.I.
Perfect Lead Generation! - Borrower's Choice Investments LLC
"When I got into a pinch, and needed my escrow deposit refunded, the team at Zoomeral made it very easy for me. I had my funds back within 48hrs of my written request. Thanks, Zoomeral, I look forward to doing business with you in the very near future."
Effective Date: October 9, 2020
Products and Services
Once a subscriber submits their information on this site, you are making your advertisement/ information available to one or more participating lenders or investors either while keeping your identity anonymous or not, which is entirely your choice. By submitting data, you understand and agree that you are submitting an inquiry about a possible loan or investment product to each of the participating lenders or investors sing the Zoomeral.com site. By submitting any application form, you are extending an express invitation to each of the participating lenders with whom your information is shared to contact you by any means you have made available or input into our directory (including, without limitation, email, telephone, text and direct mail) so that they may assist you with your transaction or provide information to you about additional offers in which you may be interested.
Participating lenders who review your financial profile, or receive your application information, review your information in real-time to determine whether your information meets their loan qualification criteria. By submitting your information or any application form, you are providing express consent for participating lenders to, among other things, to verify your social security number, perform a credit check, and review your information against national databases that track consumer transactions with lending institutions. By submitting the application form, you are also providing express consent for the participating third-party lender you are connected with to share among its affiliates, loan servicers, and bank partners any information related to financial products or services received for the purpose of evaluating you for credit. Lenders may ask for additional identifying information (e.g., driver's license documentation), in conjunction with running credit reports.
Zoomeral.com is not a lender or a broker dealer and does not make loans or credit decisions in connection with its loan directory service. Zoomeral is only a directory whereby someone can place an advertisement and someone else can choose to search to view that advertisement. Zoomeral.com does not guarantee acceptance into any loan program or specific loan terms or conditions with any participating lender or that anyone will ever be contacted at all from another party using our website for that matter. Zoomeral.com is not an agent of any participating lender.
Zoomeral.com is not involved with a lender's use and/or review of your application information or in deciding whether you meet a lender’s loan qualification criteria. The lender is solely responsible for its services to you, and you agree that Zoomeral.com shall not be liable for any damages or costs of any type arising out of or in any way connected with your use of the loan connecting service. You may be contacted by a third party that requires a fee to proceed. In this event, we strongly advise you to seek professional counsel before you pay any fee to proceed. Zoomeral.com cannot possibly dictate 3rd party fees of any kind and we will not put ourselves in a position to do so.
Opt-In Programs and Advertisements
Regarding, any and all, opt-in programs and your financial profile, you acknowledge that you are freely electing, on your sole election, to enter into these programs and other advertisements by checking the box and opting into any of them or by inputting, updating, or submitting your personal or business data. By opting into any program or advertisement, again, there is absolutely no guarantee, of any kind, that any potential lender or funding source will offer you or your business, any amount of capital at all. In addition, Zoomeral.com cannot guarantee that any third party will ever even attempt to communicate with you or your business.
Product and Service Fees for Businesses
Zoomeral neither charges, nor accepts any fees, of any kind, in connection with equity transactions. Zoomeral charges businesses Three Percent (3%) for any debt transaction. For example, if your business accepts and closes a $500,000.00 line of credit or loan with a lender sourced from our platform, then your business would owe Zoomeral, Inc. $15,000.00 at loan closing and funding. This includes any restructuring efforts with your current lender(s). Our platform and process promotes maximum competition in order to save all our subscriber’s money. It is very common for current lenders to evaluate what they currently charge you and then restructure or refinance your current loan/s in order to not lose your business. In this event, Zoomeral, Inc. would charge for this successful restructuring with any or all of your current lender(s). The charge would be the same Three Percent (3%) success fee.
Strict No Refund Policy
Zoomeral.com has a strict No Refund policy in place at all times for all products and services. You are fee to cancel your subscription at any time. In the event that you do, we offer absolutely no refunds or partial refunds of any kind.
You agree that submitting your loan request and/or your financial profile advertisement acts as your electronic signature. You further consent that we and any lender we share with, or that reviews any information you place on our platform can communicate with you electronically or by any other manner and that any required disclosures may be provided to you electronically or by any other manner. Some lenders may require information be provided on the Zoomeral platform.
Disclaimers and Limitations
This website and the information, software, products and services associated with it are provided 'as is.' Zoomeral.com expressly disclaims any warranty of any kind, whether express or implied, as to any matter whatsoever relating to this website and any information, software, products provided herein, including without limitation the warranties of title, non-infringement, merchantability, or fitness for a particular purpose. Zoomeral.com makes no warranty as to the results that may be achieved by using this website and the information, software, products, and services associated with it.
Use of this website and/or its services is at your own risk. Zoomeral.com and/or its participating lenders or advertisers or any of their officers directors, agents, subsidiaries, affiliates, employees, attorneys, 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 website and/or its services with the delay or inability to use this website, or for any information, software, products and services obtained through this website, or otherwise arising out of the use of this website, whether resulting in whole or in part, from breach of contract, tortuous behavior, negligence, strict liability or otherwise, even if Zoomeral.com or its participating lenders have been advised of the possibility of damages.
Zoomeral.com makes no representation that materials on the site are appropriate or available for use in locations other than the United States. Those who n choose to access Zoomeral.com from outside the United States do so on their own initiative and at their own risk, and are responsible for compliance with federal, state and local laws, if and to the extent applicable.
As a condition of using this website and/or the services offered herein, you and your business agree to indemnify Zoomeral.com and its participating lenders, from and against, ANY and ALL liabilities, expenses (including attorneys' fees) and damages arising out of any claims that YOU or YOUR BUSINESS could choose to make resulting from your use of this website, including without limitation any claims alleging facts that if true would constitute a breach by you of these Terms. In addition, you agree, to pay Zoomeral.com, within five (5) calendar days, upon its first demand, a reasonable $5,000.00 (Five Thousand Dollar), retainer fee that Zoomeral.com will use for legal expenses, to remedy ANY claim you or your business has made to any third party, or any written post you have chosen to publicize about Zoomeral or any of its employees on ANY media platform. In addition, you agree to pay, any and all, of the necessary additional reasonable, attorney fees until your claim or action is resolved to Zoomeral's sole satisfaction. This includes any claims or negative statements that you may submit/create on ANY social media platform of any kind. Zoomeral.com will not tolerate any form of damaging statements. If you are ever unhappy with the services, you are free to cancel your subscription and abandon the use of the site entirely.
Links to Third Parties
This website may contain links to other websites operated by participating lenders or other third parties. Such links are provided for your convenience and reference only. Zoomeral.com does not operate or control in any respect any information, software, products or services available on such third-party sites. Zoomeral.com's inclusion of a link to a web site does not imply any endorsement of the services or the site, its contents, or its sponsoring organization.
Trademark and Intellectual Property & Non-Competition
The trademarks, logos, and service marks (collectively, the "Trademarks") displayed on the site, are registered and unregistered Trademarks of Zoomeral.com. Nothing contained on the site should be construed as granting, by implication or otherwise, any license or right to use any content on the site without the written permission of Zoomeral.com. You and your business, as a subscriber, (individually and Collectively, “Subscriber”)acknowledge that during the use of this platform with, or through Subscriber’s involvement with this platform, Subscriber has and will become familiar with trade secrets and other Confidential Information concerning Zoomeral, and with investment opportunities relating to potential lenders. Therefore, you agree that, during the use of Zoomeral.com and for a period of two years hereafter (the “Noncompete Period”), Subscriber will not directly or indirectly own, manage, control, participate in, consult with, render services for, or in any other manner engage in any business, or invest in or lend money to any business (in each case, including on Subscriber’s own behalf or on behalf of another person) which constitutes or is competitive with (including, without limitation, by competing for the same subscriber or customer base) any business conducted by Zoomeral or lenders (any such business, a “Competitive Business”). Nothing in this section will prohibit Subscriber from (i) being a passive owner of less than 5% of the outstanding stock of a corporation of any class of any Competitive Business which is publicly traded, so long as you have no direct or indirect participation in the business of such corporation or (ii) at any time during the portion of the Noncompete Period following the termination date of the
Zoomeral services, being employed in any Competitive Business or investing in or lending money to any Competitive Business, provided that Subscriber has no direct involvement in any aspect of such Competitive Business. By using this site, Subscriber acknowledges that Subscriber has read carefully and had the opportunity to consult with legal counsel regarding the provisions of this section. Any Subscriber that does or discloses that they have any intention of competing shall be immediately terminated, in the event that they are a referral agent, their account shall be immediately deleted, and finally, in accordance with our no-refund policy, shall not be entitled to any refund or partial refund of any kind.
Effective Date: October 9, 2020
Information We Collect Personally, Identifiable Information Zoomeral collects several types of information that may identify a particular individual (“personally identifiable information“). Zoomeral collects personally identifiable information when you provide it to us through our use of this site, such as completing one or more steps of an application form to apply for a loan from a lender participating in our lender network. The types of personally identifiable information we collect include your name, telephone number, social security number, email address, date of birth, driver's license number and state, employment information, active military information, amount and frequency of pay checks, and information about your banking account.
Zoomeral may share this non-personally identifiable information only in summary form with its partners for the purpose of aggregate web site statistical and trend analysis. This information is not associated to any personally identifiable information that can identify an individual person.
We may review and use your financial information and your social security number to connect you with participating lenders in our lender network or other third-party lenders with whom we have a business relationship. We may also review your financial information and social security number to verify your identity and protect against possible fraudulent transactions. Under Section 326 of the USA PATRIOT ACT, in order to help the government fight identity theft, the funding of terrorism and money laundering activities, and to help attempt to verify a customer's identity, lenders may obtain, verify, and record information identifying the customer.
Disclosing Personally-Identifiable Information Zoomeral may share your personally identifiable information (including, without limitation, your financial account information and social security number) with lenders participating in our lender network and other third-party lenders with whom we have a business relationship. These third-party lenders may use your personally identifiable information to offer you a personal loan or to communicate with you about other business or promotional offers.
Zoomeral will disclose your personally identifiable information in response to a subpoena or similar investigative demand, a court order, or a request for cooperation from a law enforcement agency or other government agency; to establish or exercise our legal rights; to defend against legal claims; or otherwise required by law. We will disclose your personally identifiable information when we believe disclosure is necessary to investigate, prevent, or take action regarding illegal activity, suspected fraud or other wrongdoing; to protect and defend the rights, property, or safety of our company, our employees, our website users, or others; or to enforce our website terms and conditions or other agreements or policies.
When you submit your information on Zoomeral, you may receive email messaging or third party marketing messages. You will be given the opportunity, in any commercial email that we send to you, to opt out of receiving such messages in the future. You may also opt out of receiving commercial emails by using the 'Unsubscribe' link on our site. Please allow for up to 10 business days for your request to be processed. If you remove your information from our database it will no longer be used for secondary purposes, disclosed to third-parties, or used by us or third-parties to send promotional correspondence to you. If your information has already been shared with a third party, it may be necessary to contact the third party directly to opt out of receiving information from them.
California Privacy Rights California Civil Code Section 1798.83, also known as the 'Shine The Light' law, permits users who are residents of California to request and obtain once a year, free of charge, information about the information (if any) that was disclosed to third parties for direct marketing purposes in the preceding calendar year. If applicable, this information would include a list of the categories of personal information that was shared and the names and addresses of all third parties with which we shared information with in the preceding calendar year. If you are a California resident and would like to make a request, please submit your request in writing to firstname.lastname@example.org.
Wireless Privacy Rights We may use personal information you've provided on this site to administer the services you've requested, including wireless services that display customized content and advertising. In addition to any fee of which you are notified of, your wireless provider's standard message rates apply to our confirmation and all subsequent SMS correspondence. You may opt out from further SMS messages and remove your SMS information from our database by responding 'STOP', 'END' or 'QUIT' to the SMS text message you received. If you remove your SMS information from our database it will no longer be used by us for secondary purposes, disclosed to third-parties, or used by us or third-parties to send promotional correspondence to you.
Security - How We Protect Your Information Zoomeral takes appropriate and reasonable security measures to help safeguard your personal and sensitive information. The information you enter into this website is protected using industry-compliant 256-bit encryption technology, keeping your information safe from unauthorized access, use, modification and disclosure. Transmission is also secured by secure socket layer technology (SSL). Please be advised that, although we take every reasonable technological precaution available to protect your data, no data transmission over the Internet can be guaranteed to be 100% secure.
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