Hillsholding Financial Services Terms and Conditions

Our terms of use our simple and crafted to ensure we maintain a long-term partnership.
This is a legal agreement between you (“you,” “Customer,” or “user”) and Standard Overseas Finance, (“we,” “us, “our,” “Company,” “Hillsholding Financial Services”). By accessing this website, and any sub-sites of this website (together the “Site”) and/or using any of the Services (“Services”), you agree to, and are bound by, the terms and conditions of this Terms of Use agreement and the Hillsholding Financial Services Privacy Policy (collectively, “Terms”) for as long as you continue to use the Site or Services. IF YOU DO NOT AGREE TO BE BOUND BY THE TERMS, YOU MUST STOP USING THE SITE OR THE SERVICES IMMEDIATELY.

1. Hillsholding Financial Services Services

Hillsholding Financial Services Financial offers Services to Customers, who include small business owners and individuals. Hillsholding Financial Services primary service is to offer loans to our small business owner Customers through Hillsholding Financial Services’s own sources of capital, or serves as a marketplace on behalf of banks, non-depository lenders, and other lending sources. For these credit services and products Hillsholding Financial Services originates, Hillsholding Financial Services aids small business owners in preparing required documents, processing the loan, and funding the loan. In addition, Hillsholding Financial Services Financial provides Services through relationships with its third-party partners (“Affiliate Partners) who may connect Customers with offers for products and services relevant to Customers’ personal and/or business needs. For example, Hillsholding Financial Services Financial operates as a referral partner, on behalf of Affiliate Partners, to connect Customers with opt-in offers for Affiliate Partner products and services, including but not limited to personal loans, credit cards and insurance

2. Use of Site and Services

You must be at least 18 years old to use our Services. If you are an individual accepting these Terms on behalf of a company, then you are binding the company to these Terms, and represent and warrant that you have full power and authority to do so. standard overseas finance may modify these Terms from time to time as further described in Section 14. a. Account. You may register to use the Site by following the instructions on the Site to create a Registered User Account (an “Account”). As a user of the Site or a user registered to use any of the Services (a “Registered User”), you agree to the following:

• Exclusive Use. Your Account is to be used only by you for individual purposes, or if applicable, by an authorized representative on Company’s behalf. You may not otherwise authorize others to use your Account, and you may not assign or otherwise transfer your Account to any other person or entity. You acknowledge that standard Hillsholding Financial Services is not responsible for third-party access to your Account that results from theft or misappropriation of your user name and passwords.
• Information Submitted. You are solely responsible for, and assume all liability regarding (i) the information and content you provide through your use of the Site and Services, (ii) the information and content you make available in any manner through the Services, and (iii) your interaction with and the information you might provide to any and all third-parties, including Affiliate Partners.
• Risk Assumption and Precautions. You assume all risk when using the Services, including but not limited to all of the risks associated with any interactions with Affiliate Partners and any other third-parties, such as lenders to which you are matched, referred, or provided.
• Lending/Credit Service. Hillsholding Financial Services will use commercially best efforts to (1) identify the loan category and specific lender(s) that offer loans at competitive terms that meet your credit needs and qualifications; (2) match or introduce you to appropriate lending sources, including banks, non-depository lenders, or other lending or credit sources via our proprietary technology.
• Other Services & Products: Hillsholding Financial Services may offer Customer other services and products that meet your needs directly or via third parties, Affiliate Partners. standard Hillsholding Financial Services may provide Customer’s information to Affiliate Partners with Customer’s prior opt-in consent for potential offers of other services and products. Other services and products may include, but are not limited to, personal loans, credit cards, insurance, and other services and products relevant to our Customers. Please note: These services and products may be limited to Customers who reside in approved jurisdictions.
• No Guarantees. Hillsholding Financial Services, and the third parties Hillsholding Financial Services introduces Customers to, may not be able to offer loans or other services and products. Hillsholding Financial Services and its third parties make no guarantees as to the number of loans, fees, terms, or any other guarantee pertaining to Customer’s ability to access loans or funding. Hillsholding Financial Services only prepares, negotiates, executes credit or other services or product applications, or participates in making any credit decisions on loan or product offers standard Hillsholding Financial Services originates directly. Quality of Information. You agree to provide accurate, true, current and complete information.
• Legal Purpose. You agree to not use the Site or Services for any illegal purpose. You will only use the Site or Service in accordance with federal, state and local laws.

Use of Information

We may use the information you provide about yourself and/or your business to fulfill your requests for our Services, to respond to your inquiries about our Services, and to offer you other products, programs, or services that we believe may be of interest to you. We may use your information to complete transactions you request, to verify the existence and condition of your accounts, or to assist with a transaction. We may use your information to improve and personalize the Services and any related services, including future products and services. For example, we may use your information to pre-fill form fields on the sites for your convenience.

3. User Information

License Regarding User Information. You retain all ownership interest in and to the User Information and other content you provide to the Site or as part of your use of the Services. By submitting your content, including your personal and business information, you hereby grant to Hillsholding Financial Services a perpetual, non-exclusive, irrevocable, royalty-free license to: reproduce, adapt, edit, modify, translate, publish, transfer, and/or distribute any of your content. This license specifically includes the right for Hillsholding Financial Services to make such content available to other trusted companies, organizations, and/or individuals with whom Hillsholding Financial Services has a business relationship in order to carry out the performance of the Services. Disclosure by Law. You acknowledge and agree that Hillsholding Financial Services may disclose information you provide if required or permitted to do so by law, at the request of a third-party, or if we, in our sole discretion, believe that disclosure is reasonable to (i) comply with law, requests, or orders from law enforcement, or any legal process (whether or not such disclosure is required by applicable law); or (ii) protect or defend standard Hillsholding Financial Services’s, or a third-party’s rights or property. Information Security. We work hard to protect Hillsholding Financial Services and our Customers from unauthorized access to or unauthorized alteration, disclosure, or destruction of information we hold. In particular: We encrypt many of our services using SSL. We review our information collection, storage and processing practices, including physical security measures, to guard against unauthorized access to systems. We restrict access to personal information to Hillsholding Financial Services employees, contractors and agents who need to know that information in order to process it, and who are subject to strict contractual confidentiality obligations and may be disciplined or terminated if they fail to meet these obligations. Use of Aggregate/Anonymous Information for Research. By using the Site and/or Services, you agree to allow Hillsholding Financial Services to anonymously use the information you provide to us and from your experiences through the Services to continue Hillsholding Financial Services’s research into successful business practices, as well as to improve the Services.

4. Proprietary Rights

Ownership of Proprietary Information. You hereby acknowledge and agree that standard Hillsholding Financial Services is the owner of and has all rights to the Site and Services. You are permitted to use the Site and Services only as expressly authorized by these Terms. You may not copy, reproduce, distribute or create derivative works, reverse engineer or reverse compile any of the Site or Services or technology. Content. All text, graphics, user interfaces, visual interfaces, photographs, trademarks (whether registered or not), logos, sounds, artwork of any kind, and computer code (collectively, “Content”), including but not limited to the design, structure, coordination, selection, appearance, and arrangement of the Content, contained on the Site is owned by Hillsholding Financial Services and is protected by trade dress, copyright, trademark, and other property laws and unfair competition laws.

Any misuse of the Content will be at your peril and Hillsholding Financial Services will do all that is lawful to enforce and protect the Content. No Use of Confidential Information. You will not post, copy, modify, transmit, disclose, show in public, create any derivative works from, distribute, make commercial use of, or reproduce in any way any (i) confidential information or (ii) other copyrighted material, trademarks, or other proprietary information accessible via the Site or Services, without first obtaining the prior written consent of the owner of such proprietary rights. License to Provided Content. By providing information or content to any Account or via the Site or Services, you automatically grant, and you represent and warrant that you have the right to grant, to Hillsholding Financial Services and its users, an irrevocable, perpetual, non-exclusive, fully-paid, worldwide license to use, reproduce, publicly perform, publicly display and distribute such information and content, and to prepare derivative works of, or incorporate into other works, such information and content, and to grant and authorize sub-licenses of the foregoing. From time to time, we may create, test or implement new features or services on the Site in which you may voluntarily choose to participate, in accordance with the additional terms and conditions of such features or programs. By your voluntary participation in such features or programs, you grant us the rights stated in this subsection in connection with the additional terms and conditions (if any) of such features or services.