SpanishLeadsNow

Terms Of Use

PLEASE READ THESE TERMS OF USE CAREFULLY. THEY CONTAIN IMPORTANT INFORMATION REGARDING YOUR LEGAL RIGHTS, INCLUDING A BINDING ARBITRATION AGREEMENT, CLASS ACTION WAIVER, DISCLAIMER OF WARRANTIES, LIMITATION OF LIABILITY, AND OTHER PROVISIONS THAT MAY AFFECT YOUR RIGHTS.

By accessing, browsing, using, submitting information through, or otherwise interacting with HRR Marketing Services LLC, including Spanish Leads Now, VividClone.ai, and Opciones de Credito(collectively, “HRR,” “Company,” “we,” “us,” or “our,” or the “Services”) within the site (the “Site”), you acknowledge that you have read, understood, and agree to be legally bound by these Terms of Use (“Terms”). If you do not agree to these Terms, you must immediately discontinue use of the Site.

These Terms constitute a legally binding agreement between you (“you,” “your,” or “User”) and the operator of the Site (“we,” “our,” or “us”).

1. Eligibility

The Site is intended solely for use by individuals who:

  • Are at least eighteen (18) years of age, or the age of majority in their state of residence, whichever is greater

  • Reside within the United States or its territories where our services are legally available

  • Possess the legal capacity to enter into binding contracts

  • Are seeking financial products for personal, family, or household purposes

  • Provide accurate and truthful information

You represent and warrant that each of these requirements is satisfied.

The Site may refuse access to any person, at any time, for any lawful reason.

2. About the Site

HRR is an online financial marketing platform.

The Site is NOT:

  • a lender

  • a bank

  • a credit union

  • a finance company

  • a loan servicer

  • a debt collector

  • a credit repair organization

  • a mortgage broker

  • an insurance company

  • an investment adviser

  • a financial adviser

  • a legal adviser

  • a tax adviser

The Site does not make loans, originate loans, issue credit, make lending decisions, guarantee approval, guarantee funding, determine interest rates, determine repayment terms, or negotiate loan agreements.

Instead, the Site collects information voluntarily submitted by Users and may transmit that information to independent third parties including, but not limited to:

  • lenders

  • lending partners

  • lending marketplaces

  • financial service providers

  • marketing partners

  • lead purchasers

  • financial institutions

  • consumer finance companies

  • other authorized third parties

Those entities—not the Site—are solely responsible for evaluating your application, determining eligibility, making credit decisions, verifying your identity, approving or denying requests, funding loans, servicing loans, collecting payments, and complying with applicable lending laws.

3. No Guarantee of Loan or Credit

Submission of information through the Site does not guarantee loan approval, loan offers, credit approval, funding, same-day funding, next-day funding, interest rate, repayment terms, loan amount, lender participation, or lender availability.

Some Users may receive no offers whatsoever. Some Users may receive multiple offers. Some Users may be contacted by several financial service providers. All lending decisions remain solely with the applicable lender.

4. No Financial Advice

Information available on the Site is provided solely for informational purposes.

Nothing contained on the Site constitutes financial advice, lending advice, investment advice, tax advice, accounting advice, legal advice, credit counseling, or debt counseling.

Users should independently evaluate all financial decisions and consult qualified professionals where appropriate. No fiduciary relationship is created through use of the Site.

5. User Representations

By using the Site, you represent, warrant, and agree that:

  • all information you submit is truthful, accurate, complete, and current

  • you are submitting information only about yourself unless legally authorized

  • you are not impersonating another individual

  • you are not using stolen or fraudulent information

  • you will promptly update inaccurate information if requested

  • you will not use automated software, bots, scripts, crawlers or similar technology

  • you will not attempt to interfere with the Site’s operation

  • you will not submit malicious code or attempt unauthorized access

  • you will not violate any applicable law

Providing false information may result in immediate denial of services, termination of access, referral to appropriate authorities, civil action, or criminal prosecution where permitted by law.

6. Accuracy of Information

The Site relies upon the information provided by Users. You acknowledge that lenders and other financial service providers may rely upon the information you submit when evaluating your request.

Providing false, misleading, incomplete or fraudulent information may delay processing, result in denial, invalidate offers, constitute fraud, or violate state or federal law.

The Site assumes no responsibility for errors resulting from inaccurate information submitted by Users.

7. No Agency Relationship

Use of the Site does not create any agency relationship, fiduciary relationship, partnership, employment relationship, joint venture, or brokerage relationship.

The Site acts solely as an independent technology and marketing platform facilitating the transmission of consumer information to participating third parties.

8. Service Availability

The Site makes no representation that services are available in every state, at all times, to every consumer, or through every lender.

Availability depends upon numerous factors including geographic location, state licensing, lender participation, credit criteria, fraud screening, identity verification, technical availability, and applicable law.

The Site may modify, suspend or discontinue any portion of its services at any time without prior notice.

9. Electronic Communications

By accessing or using the Site, you consent to receive communications electronically.

You agree that any notices, disclosures, agreements, records, documents, policies, confirmations, and other communications provided electronically satisfy any legal requirement that such communications be provided in writing.

Electronic communications may include, without limitation: email, text message, website notices, electronic disclosures, account notifications, browser notifications, electronic signatures, and downloadable documents.

You are responsible for maintaining equipment capable of receiving such communications.

10. E-Sign Consent

By clicking any button indicating your agreement, including but not limited to “Submit,” or “Continue,” or similar language, you consent to conduct business electronically under the Electronic Signatures in Global and National Commerce Act (“E-SIGN Act”), 15 U.S.C. §7001 et seq.

You agree that your electronic signature has the same legal effect as a handwritten signature, electronic records satisfy legal writing requirements, electronic agreements are legally binding, and you may retain copies of disclosures for your records.

You may withdraw your consent to receive electronic records by discontinuing use of the Site; however, doing so may prevent us or participating providers from processing your request.

11. Consent to Share Information

By submitting information through the Site, you expressly authorize the Site to collect, use, analyze, store, transfer, transmit, and disclose the information you provide to one or more third parties for purposes including, but not limited to:

  • evaluating your request

  • matching you with potential financial products or services

  • verifying identity

  • fraud prevention

  • compliance with applicable law

  • quality assurance

  • customer support

  • servicing requests

  • marketing where permitted by applicable law

  • improving Site functionality

Recipients may include banks, lenders, lending marketplaces, lending partners, marketing partners, financial institutions, identity verification providers, fraud detection providers, analytics providers, technology providers, and service providers.

You acknowledge that once your information has been transmitted to an independent third party, that party’s privacy policy, terms, and practices govern its use of your information. The Site is not responsible for the acts or omissions of independent third parties.

12. Telephone, SMS, and TCPA Consent

PLEASE READ THIS SECTION CAREFULLY.

By voluntarily providing your telephone number(s) and submitting your information through the Site, you expressly consent to receive communications from the Site and from participating third parties that may include lenders, lending partners, financial service providers, loan marketplaces, marketing partners, and service providers.

Communications may occur by telephone, mobile phone, SMS, MMS, prerecorded voice, artificial voice, automatic telephone dialing systems, automated text messaging systems, or email.

You understand that telemarketing consent is not a condition of obtaining credit, you are not required to agree to receive marketing calls to submit a request, participating providers may contact you regarding products or services that may be of interest, and you may receive communications relating to your request even if your number is registered on a Do Not Call list.

Message and data rates may apply, message frequency varies, and wireless carriers are not responsible for delayed or undelivered messages.

You certify that you are the subscriber or customary user of any telephone number you provide or that you have authority to provide such number. You agree to notify the Site if your telephone number changes.

Nothing in this section limits any rights you may have under applicable law to revoke consent directly with the party contacting you.

13. Email Communications

By providing an email address, you consent to receive electronic communications from the Site and participating third parties regarding your request, potential financial products, customer support, required disclosures, account notifications, legally required notices, service announcements, and promotional communications where permitted by law.

You may unsubscribe from promotional emails by using the unsubscribe mechanism contained in those communications. Transactional communications may continue where permitted by law.

14. Identity Verification

The Site and participating providers may verify information you provide using third-party sources.

Verification methods may include public records, identity databases, device information, IP address analysis, fraud detection tools, geolocation analysis, document verification, phone verification, and email verification.

Failure to successfully verify identity may result in denial of service. The Site has no obligation to disclose specific fraud prevention methods or verification criteria.

15. Credit Authorization

Where permitted by law and where authorized by you through the application process, participating lenders or financial service providers may obtain information concerning your creditworthiness from consumer reporting agencies or alternative data providers.

The Site itself does not make lending decisions and does not determine whether any credit inquiry will occur. Whether a soft inquiry, hard inquiry, or no inquiry is performed is determined solely by the participating financial institution in accordance with applicable law and its own underwriting policies.

Any credit inquiry performed by a participating provider may appear on your credit report if applicable.

16. Fraud Prevention

The Site reserves the right to investigate any activity it reasonably believes may involve identity theft, account takeover, synthetic identity fraud, stolen personal information, money laundering, terrorist financing, sanctions violations, deceptive practices, abuse of the Site, or violations of applicable law.

The Site may, without notice, suspend processing, reject submissions, request additional verification, block IP addresses, retain evidence, or report suspicious activity to appropriate governmental or regulatory authorities where required or permitted by law.

Nothing in these Terms obligates the Site to investigate every submission.

17. Prohibited Uses

You agree not to submit false information, impersonate another person, use another individual’s identity, use stolen payment or banking information, interfere with Site security, attempt unauthorized access, distribute malware, upload viruses, reverse engineer the Site, scrape data, harvest user information, interfere with servers, overload infrastructure, circumvent security measures, use automated bots or scripts to submit applications, exploit vulnerabilities, or violate any applicable law.

Violation of this section may result in immediate termination of access without notice and may expose you to civil and criminal liability.

18. Right to Refuse Service

The Site reserves the absolute right, in its sole discretion and without prior notice, to reject any submission, refuse service, terminate access, suspend processing, restrict availability, remove content, discontinue any service, deny access from any jurisdiction, or deny access to any person for any lawful reason.

Nothing in these Terms obligates the Site to process any request or to match any User with a lender or other financial service provider.

19. Intellectual Property

All content made available through the Site, including but not limited to text, software, source code, object code, graphics, logos, icons, images, videos, audio, trademarks, service marks, trade dress, databases, page layouts, user interfaces, workflows, compilations, designs, algorithms, business methods, and functionality, is owned by the Site, its licensors, or other authorized parties and is protected by United States and international intellectual property laws.

Nothing contained on the Site grants any ownership interest, license, or other right except the limited right to access and use the Site for its intended personal, non-commercial purpose.

You may not, without prior written permission, reproduce, copy, distribute, publish, modify, adapt, translate, sell, lease, sublicense, reverse engineer, decompile, disassemble, create derivative works from, or exploit any portion of the Site.

20. User Content

If you submit any information, feedback, suggestions, ideas, reviews, comments, or other content to the Site, you grant the Site a perpetual, worldwide, irrevocable, royalty-free, transferable, sublicensable license to use, reproduce, modify, publish, distribute, display, adapt, and otherwise exploit such content for any lawful purpose.

You represent that you have all rights necessary to grant this license and that your submissions do not infringe any third-party rights.

The Site has no obligation to maintain any submitted content in confidence unless otherwise required by applicable law or our Privacy Policy.

21. Third-Party Websites and Services

The Site may contain links to or redirect Users to websites, applications, services, advertisements, or resources operated by independent third parties. These third parties are not owned, operated, or controlled by the Site.

The Site does not endorse, recommend, guarantee, warrant, supervise, or monitor the products, services, content, policies, security, availability, or business practices of any third party.

Any interactions you have with third parties are solely between you and the applicable third party. The Site is not responsible for any damages, losses, claims, disputes, or liabilities arising from your use of third-party websites or services.

22. No Warranties

THE SITE IS PROVIDED ON AN “AS IS,” “AS AVAILABLE,” AND “WITH ALL FAULTS” BASIS.

TO THE MAXIMUM EXTENT PERMITTED BY LAW, THE SITE DISCLAIMS ALL WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED, STATUTORY, OR OTHERWISE, INCLUDING, WITHOUT LIMITATION: MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, TITLE, QUIET ENJOYMENT, ACCURACY, RELIABILITY, AVAILABILITY, SECURITY, AND PERFORMANCE.

THE SITE DOES NOT WARRANT THAT THE SITE WILL ALWAYS BE AVAILABLE, OPERATE WITHOUT INTERRUPTION, BE ERROR-FREE, BE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS, THAT ANY LOAN REQUEST WILL BE MATCHED, THAT ANY LENDER WILL RESPOND, THAT ANY CREDIT WILL BE APPROVED, OR THAT ANY LOAN WILL BE FUNDED.

YOUR USE OF THE SITE IS ENTIRELY AT YOUR OWN RISK.

23. Limitation of Liability

TO THE FULLEST EXTENT PERMITTED BY LAW, THE SITE, ITS OWNERS, AFFILIATES, LICENSORS, OFFICERS, DIRECTORS, EMPLOYEES, CONTRACTORS, AGENTS, SUCCESSORS, ASSIGNS, AND SERVICE PROVIDERS SHALL NOT BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, PUNITIVE, OR MULTIPLE DAMAGES, LOST PROFITS, LOST BUSINESS OPPORTUNITIES, LOSS OF GOODWILL, LOSS OF DATA, LOSS OF USE, BUSINESS INTERRUPTION, PERSONAL INJURY, EMOTIONAL DISTRESS, OR REPUTATIONAL HARM ARISING OUT OF OR RELATED TO USE OF THE SITE, INABILITY TO USE THE SITE, ANY THIRD-PARTY WEBSITE, ANY LENDER, ANY MARKETING PARTNER, ANY SERVICE INTERRUPTION, ANY SECURITY INCIDENT, ANY DATA LOSS, ANY CREDIT DECISION, ANY DENIAL OF CREDIT, OR ANY DELAY IN FUNDING.

TO THE MAXIMUM EXTENT PERMITTED BY LAW, THE TOTAL AGGREGATE LIABILITY OF THE SITE FOR ALL CLAIMS ARISING OUT OF OR RELATING TO THESE TERMS OR YOUR USE OF THE SITE SHALL NOT EXCEED THE GREATER OF: (a) ONE HUNDRED U.S. DOLLARS (US $100); OR (b) THE AMOUNT, IF ANY, PAID BY YOU TO THE SITE DURING THE TWELVE (12) MONTHS IMMEDIATELY PRECEDING THE EVENT GIVING RISE TO THE CLAIM.

BECAUSE USE OF THE SITE IS PROVIDED TO CONSUMERS WITHOUT A FEE, THIS LIMITATION OF LIABILITY IS A MATERIAL BASIS OF THE AGREEMENT BETWEEN YOU AND THE SITE.

24. Release

To the fullest extent permitted by law, you release and forever discharge the Site and its affiliates, owners, officers, directors, employees, contractors, successors, assigns, and service providers from any and all claims, demands, actions, liabilities, damages, losses, costs, and expenses arising from disputes between you and any lender, disputes with any marketing partner, credit decisions, loan terms, loan servicing, debt collection, repayment obligations, identity verification decisions, fraud determinations, or third-party conduct.

25. Indemnification

You agree to defend, indemnify, and hold harmless the Site and its owners, affiliates, officers, directors, employees, contractors, licensors, agents, successors, assigns, and service providers from and against any and all claims, actions, proceedings, investigations, liabilities, judgments, damages, losses, costs, penalties, fines, settlements, and expenses (including reasonable attorneys’ fees and litigation costs) arising out of or relating to your violation of these Terms, your misuse of the Site, your submission of inaccurate or fraudulent information, your violation of any law or regulation, your infringement of any intellectual property or other rights of a third party, or your negligent, reckless, or intentional misconduct.

The Site reserves the right, at its own expense, to assume the exclusive defense and control of any matter otherwise subject to indemnification by you. You agree to cooperate fully with the defense of any such claim.

26. Force Majeure

The Site shall not be liable for any failure or delay in performance caused by events beyond its reasonable control, including but not limited to acts of God, natural disasters, severe weather, war, terrorism, civil unrest, labor disputes, governmental actions, changes in law, pandemics, public health emergencies, utility failures, internet outages, cyberattacks, denial-of-service attacks, failures of telecommunications providers, failures of third-party service providers, or power outages.

Any affected obligations shall be suspended for the duration of the force majeure event.

27. Mandatory Binding Arbitration

PLEASE READ THIS SECTION CAREFULLY. IT AFFECTS YOUR LEGAL RIGHTS.

Except where prohibited by applicable law, you and the Site agree that any dispute, claim, controversy, or cause of action arising out of or relating to these Terms, your use of the Site, information submitted through the Site, any services provided through the Site, any alleged representations, any advertising, any communications, any privacy issue, any statutory claim, any tort claim, or any contract claim shall be resolved exclusively by final and binding arbitration in Phoenix, Arizona, rather than in court.

This agreement to arbitrate shall be interpreted broadly and shall survive termination of these Terms.

Nothing in this section prevents either party from seeking temporary injunctive or equitable relief in a court of competent jurisdiction where necessary to protect intellectual property, confidential information, or other rights pending arbitration.

28. Arbitration Procedure

Unless otherwise required by applicable law, arbitration shall be administered by the American Arbitration Association (“AAA”) under its Consumer Arbitration Rules then in effect.

The arbitrator shall be neutral, have authority to award any remedy available under applicable law, issue a written decision upon request, and determine issues of arbitrability except where otherwise reserved by law.

Arbitration may be conducted in the county where you reside, by videoconference, by telephone, through written submissions, or at another mutually agreed location.

The arbitrator’s decision shall be final and binding and may be entered as a judgment in any court having jurisdiction.

29. Informal Dispute Resolution

Before commencing arbitration, you agree to first provide written notice of your dispute to Leads@Spanishleadsnow.com.

Your notice must include your full name, mailing address, email address, the telephone number used with the Site (if applicable), a detailed description of the dispute, and the relief requested.

The parties agree to attempt to resolve the dispute informally for 60 days before either party initiates arbitration. If the dispute is resolved during this period, neither party may commence arbitration regarding that dispute.

30. Class Action Waiver

TO THE MAXIMUM EXTENT PERMITTED BY LAW, YOU AND THE SITE AGREE THAT EACH MAY BRING CLAIMS ONLY IN AN INDIVIDUAL CAPACITY.

Neither party may bring a class action, participate in a class action, serve as a class representative, act as a private attorney general, participate in any representative proceeding, or consolidate claims with those of other individuals except where expressly permitted by the arbitration administrator and applicable law.

The arbitrator shall have no authority to hear or decide any class, collective, consolidated, or representative proceeding.

If this waiver is found unenforceable with respect to a particular claim, that claim shall proceed in court only to the extent required by applicable law, while all remaining claims remain subject to arbitration.

31. Jury Trial Waiver

To the fullest extent permitted by applicable law, you and the Site knowingly, voluntarily, and irrevocably waive any right to a trial by jury in any proceeding arising out of or relating to these Terms or your use of the Site.

32. Limitation Period

To the fullest extent permitted by law, any claim or cause of action arising out of or relating to the Site or these Terms must be commenced within one (1) year after the claim arose. Any claim not brought within that period shall be permanently barred.

This provision does not apply where a shorter limitation period is prohibited by applicable law.

33. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the State of Arizona, without regard to its conflict of law principles, except to the extent that federal law requires otherwise.

Nothing in this section shall deprive consumers of non-waivable rights afforded by applicable federal or state law.

34. Severability

If any provision of these Terms is determined by a court or arbitrator of competent jurisdiction to be invalid, illegal, or unenforceable, that provision shall be modified only to the minimum extent necessary to make it enforceable. If modification is not possible, the provision shall be severed. The remaining provisions shall remain in full force and effect.

35. Waiver

No waiver of any provision of these Terms shall be effective unless in writing. Any failure by the Site to enforce any right or provision shall not constitute a waiver of that right or provision. A waiver of one breach shall not constitute a waiver of any subsequent breach.

36. Assignment

The Site may assign, transfer, delegate, or otherwise dispose of its rights and obligations under these Terms, in whole or in part, without notice or consent. You may not assign or transfer your rights or obligations under these Terms without the prior written consent of the Site. Any attempted assignment by you in violation of this section shall be void.

37. No Third-Party Beneficiaries

Except as expressly provided herein, these Terms are intended solely for the benefit of you and the Site. Nothing in these Terms creates any rights in favor of any third party.

38. Entire Agreement

These Terms, together with any documents expressly incorporated by reference (including the Privacy Policy and any other applicable disclosures presented to you), constitute the entire agreement between you and the Site regarding your use of the Site and supersede all prior or contemporaneous communications, understandings, and agreements relating to the same subject matter.

39. Changes to These Terms

The Site reserves the right to modify these Terms at any time. Updated Terms will become effective upon posting to the Site unless a later effective date is stated.

Your continued use of the Site after revised Terms are posted constitutes your acceptance of those revised Terms. If you do not agree to the revised Terms, you must discontinue use of the Site.

40. Contact Information

If you have any questions regarding these Terms, you may contact the Site at:

Leads@Spanishleadsnow.com or 1801 East Camelback Road, Suite 201, Phoenix, AZ 85016