Terms and Conditions For e-money and e-currency exchange and sale:

The following document outlines the terms of use of the STN website. You can also review our Privacy policy, which outlines our practices towards handling any personal information that you may provide to us.

Before using any of the STN services, you are required to read, understand and agree to these terms. You may only create an account after reading and accepting these terms. The column on the right provides a short explanation of the terms of use and is not legally binding.

 Acceptance Of Terms:

The web pages available at STNLoans.com and all linked pages ("Site"), are owned and operated by STN Loans & Exchange Corporation. ("STN") a UK corporation and is accessed by you under the Terms of Use described below ("Terms").

Please read these terms carefully before using the services. By accessing the site, viewing any content or using any services available on the site (as each is defined below) you are agreeing to be bound by these terms, which together with our Privacy policy, governs our relationship with you in relation to the site. If you disagree with any part of the terms then you may not access the site.

Basically,

By using STN you agree to all the terms below.

 Description Of Service:

The Site is an online community which enables User to User e-money tranactions and Digital e-currency exchange with Admin and access and/or purchase services from time to time made available on the Site ("Services"). Services include, but are not limited to, any service and/or content STN makes available to or performs for you, as well as the offering of any materials displayed, transmitted or performed on the Site or through the Services. Content ("Content") includes, but is not limited to text, user comments, messages, information, data, graphics, news articles, photographs, images, illustrations, and E-products.

Your access to and use of the Site may be interrupted from time to time as a result of equipment malfunction, updating, maintenance or repair of the Site or any other reason within or outside the control of STN. STN reserves the right to suspend or discontinue the availability of the Site and/or any Service and/or remove any Content at any time at its sole discretion and without prior notice. STN may also impose limits on certain features and Services or restrict your access to parts of or all of the Site and the Services without notice or liability. The Site should not be used or relied upon for storage of your E-products and images and you are directed to retain your own copies of all Content posted on the Site.

Basically,

User to User e-money transaction's and Digital e-currency exchange with Admin and access and/or purchase services from time to time made available on the Site ('Services'). At times things can go wrong and the service may be interrupted. Unlikely, we are responsible but not liable.

 Registration:

As a condition to using Services, you are required to open an account with STN and select a password and username, and to provide registration information. The registration information you provide must be accurate, complete, and current at all times. Failure to do so constitutes a breach of the Terms, which may result in immediate termination of your STN account.

You may not use as a username the name of another person or entity or that is not lawfully available for use, a name or trade mark that is subject to any rights of another person or entity other than you without appropriate authorization, or a name that is otherwise offensive, vulgar or obscene.

You are responsible for maintaining the confidentiality of your password and are solely responsible for all activities resulting from the use of your password and conducted through your STN account.

Services are available only to individuals who are either (i) at least 18 years old, or (ii) at least 14 years old, and who are authorized to access the Site by a parent or legal guardian. If you have authorized a minor to use the Site, you are responsible for the online conduct of such minor, and the consequences of any misuse of the Site by the minor. Parents and legal guardians are warned that the Site does display photographs and images containing nudity and violence that may be offensive to some.

The Services are for use by individuals who are use the site for personal or business. Accounts may be opened by, agents and other market intermediaries and entities who represent or are Digital exchangers to sell their products. If you do not qualify for registration you are not permitted to open an account or use the Services.

Basically,

To fully use the services you need to create your own account, without violating other peoples/ business's rights.

 User Conduct:

All Content posted or otherwise submitted to the Site is the sole responsibility of the account holder from which such Content originates and you acknowledge and agree that you, and not STN are entirely responsible for all Content that you post, or otherwise submit to the Site. STN does not control user submitted Content and, as such, does not guarantee the accuracy, integrity or quality of such Content. You understand that by using the Site you may be exposed to Content that is offensive, indecent or objectionable.

As a condition of use, you promise not to use the Services for any purpose that is unlawful or prohibited by these Terms, or any other purpose not reasonably intended by STN. By way of example, and not as a limitation, you agree not to use the Services:

To abuse, harass, threaten, impersonate or intimidate any person;To post or transmit, or cause to be posted or transmitted, any Content that is libellous, defamatory, obscene, pornographic, abusive, offensive, profane, or that infringes any copyright or other right of any person or business;For any purpose (including posting or viewing Content) that is not permitted under the laws of the jurisdiction where you use the Services; To post or transmit, or cause to be posted or transmitted, any communication or solicitation designed or intended to obtain password, account, or private information from any STN user; To create or transmit unwanted 'spam' to any person or any URLTo create multiple accounts for the purpose of voting for or against users' products or images; To post copyrighted Content which doesn't belong to you, with exception of Blogs, where you may post such Content with explicit mention of the author's name and a link to the source of the Content; With the exception of accessing RSS feeds, you will not use any robot, spider, scraper or other automated means to access the Site for any purpose without our express written permission. Additionally, you agree that you will not: (i) take any action that imposes, or may impose in our sole discretion an unreasonable or disproportionately large load on our infrastructure; (ii) interfere or attempt to interfere with the proper working of the Site or any activities conducted on the Site; or (iii) bypass any measures we may use to prevent or restrict access to the Site;To artificially in?ate or alter vote counts, blog counts, comments, or any other Service or for the purpose of giving or receiving money or other compensation in exchange for votes, or for participating in any other organized effort that in any way artificially alters the results of Services; To advertise to, or solicit, any user to buy or sell any products or services, or to use any information obtained from the Services in order to contact, advertise to, solicit, or sell to any user without their prior explicit consent; To promote or sell Content of another personTo sell or otherwise transfer your profile.

To report a suspected abuse of the Site or a breach of the Terms (other than relating to copyright infringement which is addressed under "COPYRIGHT COMPLAINTS" below) please send written notice to STN at email: support@stnloans.com.

You are solely responsible for your interactions with other users of the Site. STN reserves the right, but has no obligation, to monitor disputes between you and other users.

Basically,

You cannot use our site to post pornographic material, harass people, send spam, negatively vote on all products, and do other crazy stuff. Be reasonable and responsible, don't do anything stupid and you'll be fine.

 Content Submitted Or Made Available For Inclusion On The Service:

Please read this section carefully before posting, uploading, or otherwise submitting any Content to the site. By submitting content to the site you are granting STN a worldwide, Non exclusive license to use the content and are representing and warranting to STN That the content is owned or duly licensed by you, and that STN is free to publish, Distribute and use the content as hereinafter provided for without obtaining permission Or license from any third party.

In consideration of STN's agreement to allow you to post Content to the Site and STN's agreement to publish such Content and for other valuable consideration the receipt and sufficiency of which are hereby expressly and irrevocably acknowledged, you agree with STN as follows:

You acknowledge that: By uploading your products or images works to STN you retain full rights to those works that you had prior to uploading.By posting Content to the Site you hereby grant to STN a non-exclusive, transferable, fully paid, worldwide license (with the right to sublicense) to use, distribute, reproduce, modify, adapt, publicly perform and publicly display such Content in connection with the Services. This license will exist for the period during which the Content is posted on the Site and will automatically terminate upon the removal of the Content from the Site;The license granted to STN includes the right to use your Content fully or partially for promotional reasons and to distribute and redistribute your Content to other parties, web-sites, applications, and other entities, provided such Content is attributed to you in accordance with the credits (i.e. username, profile picture, photo title, descriptions, tags, and other accompanying information) if any and as appropriate, all as submitted to STN by you;STN uses industry recognized software and measures to restrict the ability of users and visitors to the Site to buy products from the site. Notwithstanding this, STN makes no representation and warranty that Content posted on the Site will not be unlawfully copied without your consent. STN does not restrict the ability of users and visitors to the Site to make low resolution or 'thumbnail' copies of Content posted on the Site and you hereby expressly authorize STN to permit users and visitors to the Site to make such low resolution copies of your Content; andSubject to the terms of the foregoing license, you retain full ownership or other rights in your Content and any intellectual property rights or other proprietary rights associated with your Content.You represent and warrant that: You are the owner of all rights, including all copy rights in and to all Content you submit to the site;You have the full and complete right to enter into this agreement and to grant to STN the rights in the Content herein granted, and that no further permissions are required from, nor payments required to be made to any other person in connection with the use by STN of the Content as contemplated herein; andThe Content does not defame any person and does not infringe upon the copyright, moral rights, publicity rights, privacy rights or any other right of any person, or violate any law or judicial or governmental order. You shall not have any right to terminate the permissions granted herein, nor to seek, obtain, or enforce any injunctive or other equitable relief against STN, all of which such rights are hereby expressly and irrevocably waived by you in favour of STN.

Basically,

Your products and images will preserve whatever copyright they had before uploading to this site. We will protect the Seller and will not sell your products without your permission.

 Premium Services:

STN provides premium services to holders of its 'Plus' or 'Trader' ("premium") accounts. In addition to the general terms and conditions provided for by these Terms, the following terms and conditions apply specifically to Exchanger account holders:

Services available to premium account holders are described by contacting support.STN may modify, suspend or discontinue Services provided to premium account holders at any time at its sole discretion and without prior notice.Any refund owing to you will be paid within 30 days of the Termination Date provided your request for termination included your username and full name as it appears in your account.

Basically,

We offer offer Exchangers all the features of Trader and Plus accounts.

 Exchange:

We are currently not accepting US citizens for any of the Money Exchange Services, we will not ban people using USA - IP address from office networks, but we ask citizens of the US and those residing and holding residence in the USA not to sign up and hold account for exchange purposes.

For buying of product on STN Store, US citizens are allowed to sign up, but they are not allowed to use Traditional Money Services for loading of account and must use a Digital currency only and be allowed by the provider of the e-money account to be allowed to use such service in with connection with the USA. Please check with your E-money wallet or purse provider that they are accepting US citizens.

 Bank Wire and Tradititonal Money Services:

For some of the tradditional money services such as Bank Wire and Money Sending Service's we must ask for secondary verfication and that the user complies with the following conditions:

We do not support payments from a 3'rd party. (friend, partner, family member), do not use us to receive/exchange money from someone else. We do not support payments from US citizens or residents Do not hide your real IP addressIdentification documents and payment receipt will be required.

 Money Laundering:

We have to comply with International Anti-Money laundering Policy, subject to the laws of UK and any country where the traditional money wire's/ transfers originates from' for that reason we have Secondary KYC requirements on users using traditional money sending services, such as Bank Wire and Other Money Services that have to comply with International Anti-Money laundering laws

Second to that with Digital currencies we may ask for Secondary verification should the user pass normal limitations and succumb to larger transactions, please ask online support for details of limitations before you make order and the act of your exchange request or Store Deposit.

Please understand that we are in support of our User's however in order to protect our accounts and our business we may need to forego Secondary verification should the event arise.

Basically,

US citizens and residents pay attention.

 Store:

If you choose to register to use the STN Store (the "Store") the following terms and conditions apply in addition to the general Terms. Throughout these Terms, a reference to the 'purchase' or 'sale'(or similar words) of Store Products (as defined below) means the purchase or sale of a Customer products (as defined below) to use a Store Products.

 About the Store:

The Store is a Service provided by STN that allows users to post products and images for sale to the public. Products and images are sold by STN pursuant to the license granted to STN below. To use the Store you must be at least 18 years of age and have a valid STN account. By uploading any productss or images to the Store (collectively your "Store Products") you make the following additional representations and warranties to STN:

You can lawfully enter into contracts under applicable law and you are at least 18 years old.You hereby irrevocably waive all moral rights in your Store Products; andYou have obtained and have copies of model releases from all subjects depicted in your Store Products, and such persons voluntarily consented to publication and/or dissemination of their products for all legal purposes. Upon our request you will provide a copy of the model release from any subject depicted in your Store Products to STN. Use of the Content and Grant of License

STN will use your Store Products for the purpose licensing your Store Products to customers of the Store ("Customers") in such formats as we may, from time to time make available to Customers, including without limiting the generality of the foregoing, via electronic download and email. In connection with the foregoing, in addition to the licenses you grant to STN elsewhere in these Terms, you grant to STN a non-exclusive, transferable, worldwide license (with the right to sublicense) to use, publish, copy, publicly perform, publicly display, reformat, translate, excerpt (in whole or in part) and distribute copies of your Store Products (the "Store License").

The Store License includes the right for STN to use screen resolution images and thumbnails of your Store Products for display and promotional purposes on the STN Site, the Store, third party sites, and in connection with internet search results, and embeddable codes. Screen resolution images will be accompanied by your user name.

Your Store Products will be licensed to Customers by STN in accordance with the STN Customer License in effect at the time the Customer purchases your Store Products. The STN Customer License is available at: STNLoans.com/terms/download_license.pdf.

 Removal of Store Products:

At any time you can remove your Store Products from the Store automatically using the Store settings. In addition, STN may remove any Store Products that it believes to be in breach of the Terms. In all cases copies of your Store Products posted on any third party sites and used for promotional purposes shall be removed within a reasonable period of time following your removal request, however submitted. Except as otherwise provided for herein, the Store License will exist for the period during which a Store Products is posted on the Store and will automatically terminate upon the removal of the Store Products from the Store. Notwithstanding the foregoing, the Store License will continue in respect of any Store Products which were purchased by Customers prior to their removal of the Store until fulfillment of such purchase requests.

Subject to the licenses granted to STN in these Terms you retain ownership of your Store Products until sale to the Buyer user.

 Payment of Fees upon Sale of Store Products:

You will be paid fees ("Fees") for the sale of Store Products in accordance with the STN fee schedule in effect at the time a Customer purchases a Store Product. STN reserves the right to change the fee schedule from time to time and at any time at its sole discretion. We will notify you of changes to the fee schedule by posting an announcement on the Site. You shall be responsible for reviewing any such changes. Your continued use of the Store, including the continued posting of your Store Products in the Store after a change in fees will signify your acceptance of the revised fee schedule. The fee schedule is available at: STNLoans.com/terms/fee_schedule.pdf.

In addition to the foregoing, the following terms and conditions shall apply to payment of Fees to you for your Store Products sold through the Store:

The purchase and sale of your Store Products will be deemed to be complete 24-48 hours after payment is received by STN from the Customer.Fees shall not be paid in respect of any Store Products that is returned by the Customer for exchange or refund.Payment will be processed via any of the payment modes available as indicated in your STN account .STN may deduct or withhold from any amount owing to you by complaints, or other levies as required by applicable law. [The STN sales report will include all such deductions and withholdings.] You are otherwise responsible for paying all taxes, etc. payable in respect of the Fees paid to you.

STN shall not be obligated to pay any Fees in respect of Store Products that are used in the Store, the Site, third party sites, or in other locations for promotional purposes.

 Termination:

You may terminate your Store account at any time in your sole discretion. STN may terminate your store account at any time for any reason or no reason. All Store Products remaining in your Store account will be removed by STN upon termination of your store account.

Basically,

If you are using the Market to sell products and sale and thus downloads of your products take place, you give us permission to and deliver downloads. Until then your products will be kept safe.

 Copyright Complaints:

STN respects the intellectual property rights of others. It is our policy to respond promptly any claim that Content posted on the Site infringes the copyright or other intellectual property infringement ("Infringement") of any person. STN will use reasonable efforts to investigate notices of alleged Infringement and will take appropriate action under applicable intellectual property law and these Terms where it believes an Infringement has taken place, including removing or disabling access to the Content claimed to be infringing and/or terminating accounts and access to the Site.

To notify STN of a possible Infringement you must submit your notice in writing to the attention of "Copyright Infringement" care of support@stnloans.com and include in your notice a detailed description of the alleged Infringement sufficient to enable STN to make a reasonable determination. Please note that you may be held accountable for damages (including costs and attorneys' fees) for misrepresenting that any Content is infringing your copyright.

If we remove or disable access to Content in response to a notice of Infringement, we will make reasonable attempts to contact the user who posted the affected Content. If you feel that your Content is not infringing, you may provide STN with a counter notice in writing to the attention of "Copyright Infringement Counter Notification" at support@stnloans.com. >You must include in your counter notice sufficient information to enable STN to make a reasonable determination. Please note that you may be held accountable for damages (including costs and attorneys' fees) if you materially misrepresent that your Content is not infringing the copyrights of others.

If you are uncertain whether an activity constitutes Infringement, we recommended seeking advice of an attorney.

Basically,

We respect copyright. If anything is wrong, please send an email with all the details to support@stnloans.com

 Links:

The Services may provide, or third parties may provide, links to other World Wide Web sites or resources. Because STN has no control over such sites and resources, you acknowledge and agree that STN is not responsible for the availability of such external sites or resources, and does not endorse and is not responsible or liable for any content, advertising, products or other materials on or available from such sites or resources. You further acknowledge and agree that STN shall not be responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with use of or reliance on any such content, goods or services available on or through any such site or resource.

Basically,

Some people may post links, we are not responsible for those links and we will remove the links on encounter.

 Release And Indemnity:

You hereby expressly and irrevocably release and forever discharge STN, its affiliated and associated companies, and their respective directors, officers, employees, agents, representatives, independent and dependent contractors, licensees, successors and assigns of and from any and all actions, causes of action, suits, proceedings, liability, debts, judgments, claims and demands whatsoever in law or equity which you ever had, now have, or hereafter can, shall or may have, for or by reason of, or arising directly or indirectly out of your use of the Site and the Services.

You hereby agree to indemnify and hold harmless STN, its affiliated and associated companies, and their respective directors, officers, employees, agents, representatives, independent and dependent contractors, licensees, successors and assigns from and against all claims, losses, expenses, damages and costs (including, but not limited to, direct, incidental, consequential, exemplary and indirect damages), and reasonable attorneys' fees, resulting from or arising out of (i) a breach of these Terms, (ii) Content posted on the Site, (iii) the use of the Services, by you or any person using your account or STN Username and password, (iv) the sale or use of your Store Products, or (v) any violation of any rights of a third party.

Basically,

We are not liable if something goes really wrong. Always have a backup of your products..

 Limitation Of Liability:

In no event shall STN be liable under contract, tort, strict liability, negligence or other Legal theory with respect to the site, the service or any content (i) for any lost profits or Special, indirect, incidental, punitive, or consequential damages of any kind whatsoever, (ii)

To provide substitute goods or services (however arising), or (iii) for any direct damages in Excess of (in the aggregate) $500.

Basically,

Again, we are not liable. But we may pay you $500 if our server breaks down.

 Trademarks:

STN, STN.com and other STN graphics, logos, designs, page headers, button icons, scripts, and service names are registered trademarks, trademarks or trade dress of STN. STN's trademarks and trade dress may not be used in connection with any product or service without the prior written consent of STN. The images and icons available in the STN icon pack may used by partners and third party sites in connection with providing appropriate links to the STN Site.

Basically,

Please respect our trademarks and brands.

 Termination:

STN may terminate or suspend any and all Services and/or your STN account immediately, without prior notice or liability, for any reason whatsoever, including without limitation if you breach the Terms. Upon termination of your account, your right to use the Services will immediately cease. If you wish to terminate your STN account, you may simply discontinue using the Services. All provisions of the Terms which by their nature should survive termination shall survive termination, including, without limitation, ownership provisions, warranty disclaimers, indemnity and limitations of liability.

It is your responsibility to remove all Content from your account prior to termination. Upon termination of your account STN will automatically remove all Content posted to your account.

Basically,

We may stop providing services at any time. You can stop using your account or close it at any time as well.

 Change:

STN reserves the right, at its sole discretion, to modify or replace the terms at any time. If the alterations constitute a material change to the terms, STN will notify you by posting an announcement on the site. What constitutes a material change will be determined at STN's sole discretion. You shall be responsible for reviewing and becoming familiar with any such modifications. Using any service or viewing any content following notification of a material change to the terms shall constitute your acceptance of the Terms as modified.

Basically,

If these terms of use change, we will notify you.

 Miscellaneous:

No agency, partnership, joint venture, or employment is created as a result of the Terms and you do not have any authority of any kind to bind STN in any respect whatsoever. The failure of either party to exercise in any respect any right provided for herein shall not be deemed a waiver of any further rights hereunder. STN shall not be liable for any failure to perform its obligations hereunder where such failure results from any cause beyond STN's reasonable control, including, without limitation, mechanical, electronic or communications failure or degradation (including "line-noise" interference). If any provision of the Terms is found to be unenforceable or invalid, that provision shall be limited or eliminated to the minimum extent necessary so that the Terms shall otherwise remain in full force and effect and enforceable. STN may transfer, assign or delegate the Terms and its rights and obligations without consent. The Terms shall be governed by and construed in accordance with the laws of UK, as if made within UK between two residents thereof, and the parties submit to the exclusive jurisdiction of UK courts. Both parties agree that the Terms is the complete and exclusive statement of the mutual understanding of the parties and supersedes and cancels all previous written and oral agreements, communications and other understandings relating to the subject matter of the Terms, and that all modifications must be in a writing signed by both parties, except as otherwise provided herein.

 Terms and Conditions For Loan Application:

These terms of use ("Terms of Use") are provided on behalf of STN Loans & Exchange, Inc. and its affiliates ("STN", "we", "us", "our"). By using www.stnloans.com, including any sub-domain thereof (the "Site"), you signify that you have read, understand and agree to be bound by these Terms of Use, regardless of whether you are a registered member of the Service. Please read them very carefully. If you do not wish to be bound by these terms of use, you should not access or use the Site. In addition to these Terms of Use, you may enter into other agreements with us, STN Loans & Exchange that will govern your use of the products and services offered on the Site. If there is any contradiction between these Terms of Use and another agreement you enter into that is applicable to a product or service offered on the Site then the other agreement will take precedence as it applies to the product or service.

 Eligibility:

This Site is intended solely for users who are 18 years of age or older, and any registration or use of the Site by anyone under 18 is unauthorized and in violation of these Terms of Use. By using the Site, you represent you are 18 or older and that you agree to and to abide by all of the terms and conditions of these Terms of Use. If you violate any of these Terms of Use, or violate any other agreement with us, we may terminate your registration, delete your loan listing and any content or information that you have posted on the Site and/or prohibit you from using or accessing our products and services or the Site.

 Privacy:

Your privacy is very important to us. We will not share or sell any of your information with any third party, except as specifically described in our privacy statement, which is incorporated by reference into these Terms of Use.

 Registrations and Applications:

You may be presented with the opportunity to register, apply for a loan or register to be an investor through the Site. When you register, become an investor, or apply for a loan, you agree to provide current, complete, and accurate information about yourself. If any information you provide is untrue, inaccurate, not current, or incomplete, we have the right to cancel your registration, reject any application you have submitted, terminate any agreement we have with you, and restrict your future use of the Site and our products and services. We reserve the right to reject any registration and/or decline any application for a loan.

 Your Account:

When you successfully register with us you will be required to create an account on the Site. When you create an account, you must pick a user name and a password. You may not disclose your user name or password to any third party. If you learn of any unauthorized use of your password or account, please contact us immediately. You may be required to login in order to use certain parts of the Site.

 Your Content and Information Sharing:

By providing information or content on the Site, you expressly agree to all of the following:

You grant us a non-exclusive, transferable, sub-licensable, royalty-free, worldlicense to use any information or content that you provide in connection with your use of the Site and our services, subject to the privacy provisions described in our privacy policy. We have the right to review, delete, edit, modify, reformat, excerpt, or translate any of your information or content.

You are solely responsible for the content and information you make available through or in connection with our products and services.

All the information and content posted on the Site or privately transmit through the Site or via other means in connection with our services is the sole responsibility of the person from which that content originated. We will not be responsible for any errors or omission in any information or content posted by a user.

 Restrictions on Use:

You agree to abide by all applicable laws and regulations in your use of the Site and our products and services. In addition, you agree that you will not do any of the following:

register for more than one account, or register for an account on behalf of an individual other than yourself or on behalf of any group or entity;

post or otherwise make available content, or take any action on the Site, that may constitute libel or slander or that infringes or violates someone else's rights or is protected by any copyright or trademark, or otherwise violates the law;

post or otherwise make available content that in our judgment is objectionable, such as content that is harmful, threatening, inflammatory, obscene, fraudulent, invasive of privacy or publicity rights, hateful, or otherwise objectionable, or which restricts or inhibits any other person from using or enjoying the Site, or which may expose us or our users to any harm or liability of any type

post or otherwise make available any unsolicited or unauthorized advertising, solicitations, promotional materials, or any other form of solicitation;

use the information or content on our Site to send unwanted messages to any other user;

impersonate any person or entity, or falsely state or otherwise misrepresent yourself, your age or your affiliation with any person or entity;

post or otherwise make publicly available on the Site any personal or financial information of any third party;

solicit personal information from anyone under 18 or solicit passwords or personally identifying information for commercial or unlawful purposes;

use the Site or our products and services in any manner that could damage, disable, overburden or impair the Site;

harvest or collect email addresses or other contact information of our users from the Site by electronic or other means, including via the use automated scripts; or

post or otherwise make available any material that contains software viruses or any other computer code, files or programs designed to interrupt, destroy or limit the functionality of any computer software or hardware or telecommunications equipment.

 Copyright Complaints:

If you believe that any material on the Site infringes upon any copyright that you own or control, you may send a written notification to us via email at support@stnloans.com. In your notification please:

confirm you are the owner, or authorized to act on behalf of the owner, of the copyrighted work that has been infringed;

identify the copyrighted work or works you claim has been infringed;

identify the material that you claim is infringing or is the subject of infringing activity and that is to be removed; please include information reasonably sufficient to permit us to locate the material;

provide your contact details, including an email address; and

provide a statement that the information you have provided is accurate and that you have a good-faith belief that use of the material in the manner complained of is not authorized by the copyright owner, its agent or the law.

 Changes and Modifications:

We reserve the right to temporarily or permanently modify or discontinue the Site, or any portion of the Site, for any reason, without notice to you. We may also change the Terms of Use from time to time without notice to you. Please review these Terms of Use from time to time because your continued access or use of the Site after any modifications have become effective shall be deemed your conclusive acceptance of the modified Terms of Use.

 Links:

We are not responsible for the information practices employed by sites linked to or from our web site. In most cases, links to non-STN web sites are provided solely as pointers to information on topics that may be useful to our users. Since third party web sites may have different privacy policies and/or security standards governing their sites, we advise you to review the privacy policies and terms and conditions of these sites prior to providing any personal information.

 No Warranty; Errors:

The Site and our products and services are provided "as is" and without any representation or warranty, whether express, implied or statutory. STN, our officers, directors, agents, employees and suppliers specifically disclaim any implied warranties of title, merchantability, fitness for a particular purpose and non-infringement. We do not warrant the accuracy, adequacy or completeness of the information provided on the Site and expressly disclaims liability for any errors or omissions in such information. We do not guarantee continuous, uninterrupted or secure access to the Site or any of our Services, and the operation of the Site may be interfered with by numerous factors outside of our control. We cannot guarantee and do not promise any specific results from use of the Site and/or our products and services. Calculators and tools on the Site provide you with estimates that may be different than actual amounts. Although we provide rules for user conduct and postings, we do not control nor are we responsible for what users post on the Site or any offensive, inappropriate, obscene, unlawful or otherwise objectionable content you may encounter on the Site. We are not responsible for the conduct, whether online or offline, of any user of the Site or our products or services.

You agree that we may promptly correct any error that we discover, including any error in calculating your loan rates. If the error results in your receipt of an incorrect interest rate, APR or origination fee, we will notify you and provide you with the correct rate. You agree to provide any additional consents necessary to correct any errors that occur.

 Limitation of Liability:

You agree that all access and use of the Site and its contents and your use of the products and services is at your own risk. In no event shall we be held liable for any damages, including direct or indirect, special, incidental, or consequential damages, losses or expenses arising in connection with the Site or any linked site or use thereof or inability to use by any party, or in connection with any failure of performance, error, omission, interruption, defect, delay in operation or transmission, computer virus or line or system failure, even if we or our representatives are advised of the possibility of such damages, losses or expenses.

 Intellectual Property:

You agree that "STNLoans.com", "STN", and all logos related to our products and services are our or our licensors' trademarks or registered trademarks. You may not copy, imitate or use them without our prior written consent. In addition, all page headers, custom graphics, button icons, and scripts are our service marks, trademarks, and/or trade dress. You may not copy, imitate, or use them without our prior written consent. All right, title and interest in and to the Website, any content thereon, our products and services, the technology related to our products and services, and any and all technology and any content created or derived from any of the foregoing is our or our licensors' exclusive property.

 Miscellaneous:

These Terms of Use shall be governed in all respects by the laws of the State of California, without regard to its provisions relating to conflict of laws. Our failure to exercise or enforce any right or provision of the Terms of Use shall not constitute a waiver of such right or provision. If any provision of the Terms of Use is found by a court of competent jurisdiction to be invalid, the parties nevertheless agree that the court should endeavor to give effect to the parties' intentions as reflected in the provision, and the other provisions of the Terms of Use remain in full force and effect.