These Terms of Use ("Terms") govern your use of the Global Legal Funding Corporation (“GLF” or “we”) website (“Site”) and services ("Services"). Please read these Terms before using or continuing to use the Site. Do not agree to the Terms unless you both fully understand and accept each one.
This Agreement is between GLF and any user of the Site or Services. The Services provided by GLF consist of providing credit and related services as stated on the Site to attorneys and their clients.
The Services are offered conditioned on your acceptance without modification of the Terms. By using or continuing to use the Site, you represent and warrant that you understand, agree to, and accept all of the Terms.
1. General Terms
GLF provides this Site to users seeking funding for legal services (“Client(s)”), to attorneys providing those legal services (“Attorney(s)”), and to any other entity on whose behalf users accept these Terms (collectively “user,” “you,” or “your”). These Terms are entered into by and between GLF and you, and you accept them by: (a) registering as an Attorney on the Site; (b) entering into a loan agreement through the Site; (c) using the Site in any other manner; and/or (d) acknowledging agreement with or acceptance of these Terms. If you do not agree to these Terms, do not use the Site.
To the extent that anything in or associated with the Site is in conflict or inconsistent with these Terms, the Terms shall control. Any express waiver or failure to exercise promptly any right under the Terms will not create a continuing waiver or any expectation of non-enforcement. If any provision of the Terms is held invalid by any law or regulation of any government, or by any court or arbitrator, the parties agree that such provision may be replaced with a new provision that accomplishes the original business purpose, and the other provisions of the Terms will remain in full force and effect.
2. Services
The Site offers a marketplace for Clients seeking a method to pay legal fees in installments, and Attorneys who provide those legal services and agree to be paid in installments.
The Attorneys registered on the Site are not employed by GLF. Clients are responsible for selecting the right attorney for their needs. In making hiring decisions, Clients should review and investigate each Attorney’s credentials, education, and experience, as well as reviews from others who have knowledge of the Attorney’s abilities.
GLF controls and operates the Site from various locations and makes no representation that the Site is appropriate or available for use in all locations. GLF’s Services may not be available in your location, and available Services may vary among locations.
3. No Attorney-Client Relationship
You agree that no attorney-client relationship is created between GLF and Client, or between GLF and Attorney. You agree and acknowledge that other than the GLF’s knowledge that a Client is represented by a particular attorney and the fee that is being charged for those legal services, GLF has no other knowledge of the attorney-client relationship and specifically has no knowledge of privileged communications between Attorney and Client. You agree that GLF has no input whatsoever in the amount of the fee that is charged by the Attorney to the Client.
4. Creditor-Debtor Relationship
You agree that by accepting GLF’s Services, a Creditor-Debtor relationship is created between GLF (Creditor) and Client (Debtor). You further agree that no Creditor-Debtor relationship between Attorney and Client is created by GLF’s Services.
Attorney agrees that he or she shall not take any collection action against Client for non-payment of fees other than informing Client that failure to pay may cause, or has caused, Attorney to withdraw from the Attorney-Client relationship, thereby terminating the provision of legal services from Attorney to Client.
Attorney acknowledges that he or she has no right to require any specific collection action be taken by GLF, and Attorney waives any claim against GLF, and holds GLF harmless, for any collection action it takes or for GLF’s failure to take certain or any collection actions.
Client agrees that any claim it has for unlawful collection actions by GLF shall be made against only GLF, and Client waives any claim against Attorney for collection actions taken by GLF.
As long as Attorney is not paid in advance by GLF, he or she has the right to cancel Client’s account and inform GLF not to accept any further payment from Client. Such requests must be made by Attorney in writing.
5. Your Obligations and Conduct
In consideration of your use of the Site, you agree: (a) that you are of legal age and have capacity to agree to these Terms; (b) to provide accurate, current, and complete information about you as may be prompted by an application, registration form, or other questions on the Site ("Registration Data"); (c) to maintain the security of your password and identification; (d) to maintain and promptly update the Registration Data and any information you provide to GLF to keep it accurate, current and complete; and (e) to accept all risks of unauthorized access to information and Registration Data.
You are entirely responsible for all Content that you upload, post, or otherwise transmit through your use of the Site ("Content"). You agree not to upload, post or otherwise transmit Content that: (a) is inaccurate, harmful, obscene, pornographic, defamatory, racist, sexist, violent, offensive, harassing, or otherwise objectionable to GLF or other users of the Site; (b) includes unauthorized disclosure of personal information; (c) violates or infringes anyone's intellectual property rights; or (d) 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. GLF reserves the right to edit or remove Content that violates these Terms, that contains third-party commercial advertisements, or for any other reason it deems necessary.
You agree to use the Site in a manner that is lawful, relevant and proper to the applicable forum. You agree not to use the Site for any purpose that is in violation of local, state, national, or international law. Any use of the Site that GLF, in its sole discretion, finds illegal, inappropriate and/or offensive may result in suspension and/or termination of a user with or without notice.
You agree not to do any of the following:
(a) Take any action that would undermine any aspect of the Site;
(b) Attempt to gain unauthorized access to the Site, other user accounts, or other devices, computer systems, or networks connected to the Site;
(c) Advertise or offer to sell any goods or services for any commercial purpose on the Site that are not appropriate or relevant to the Site;
(d) Impersonate another person or allow any other person or entity to use your user name, password or membership;
(e) Post the same content repeatedly or spam - spamming is strictly prohibited;
(f) Download any file posted by another user that you know, or reasonably should know, cannot be legally distributed through the Site;
(g) Access, download, or copy any information, content and/or materials from the Site through artificial means (including without limitation spiders, scrapers, hacking devices, computer programs, bots or other such means);
(h) Reproduce, duplicate, copy, sell, re-sell or exploit any information, materials or content on the Site; or
(i) Restrict or inhibit any other user from using and enjoying the Site.
6. Third-party reports
GLF may utilize third party consumer reporting agencies that perform, among other things, credit history checks and identification verifications ("consumer reports"). GLF does not endorse or make any representations or warranties regarding the reliability of such consumer reports or the accuracy, timeliness or completeness of any information in the consumer reports. GLF does not independently verify information in the consumer reports.
If you apply for credit through GLF, you consent to GLF collecting, using and disclosing to the Attorney who represents you the information in the consumer reports. You understand and agree that GLF may, in its sole discretion, review and rely on the information in the consumer reports in deciding whether to approve a credit application. GLF shall not be responsible or liable in any way in the event that any information in the consumer reports about any person, including without limitation any user, is not accurate, timely or complete. Users who are the subject of consumer reports may contact the service provider to dispute the accuracy, timeliness or completeness of such information.
7. Confidentiality of GLF information
You may obtain direct access via the Site to certain confidential information of GLF and its affiliates, including without limitation technical, contractual, product, program, pricing, marketing and other valuable information that should reasonably be understood as confidential ("Confidential Information"). You must hold Confidential Information in strict confidence. Title to Confidential Information remains with GLF and its affiliates.
The Terms impose no obligation upon you with respect to Confidential Information that (a) you possessed prior to your receipt from GLF, without an obligation to maintain its confidentiality; (b) is or becomes generally known to the public through no act or omission by you, or otherwise without violation of the Terms; (c) you obtained from a third party who had the right to disclose it, without an obligation to keep such information confidential; (d) you independently developed without the use of Confidential Information and without the participation of individuals who have had access to it, or (e) you disclose in response to a valid order by a court or other governmental body, as otherwise required by law, or as necessary to establish the rights of either party under these Terms if you provide GLF with notice prior to disclosure that is adequate to afford GLF the opportunity to object to the disclosure.
8. Advertisements and promotions
GLF may run advertisements and promotions from third parties on the Site. Your correspondence or business dealings with, or participation in promotions of, advertisers other than GLF found on or through the Site, including payment and delivery of related goods or services, and any other terms, conditions, warranties or representations associated with such dealings, are solely between you and such advertiser. GLF is not responsible or liable for any loss or damage of any sort incurred as the result of any such dealings or as the result of the presence of such non-GLF advertisers on the Site.
9. Links to other websites
You may find links to other websites or resources on the Site that are operated by parties other than GLF. Such links are provided for your reference only. GLF does not control such websites and is not responsible for their content. The inclusion of links to such websites does not imply any endorsement of the material on such websites or any association with their operators.
You acknowledge and agree that GLF is not responsible for the availability of such external sites or resources, and is not responsible or liable for any content, advertising, products, or other materials on or available from such sites or resources. GLF will not be responsible or liable, directly or indirectly, for any actual or alleged damage or loss 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.
10. Intellectual property rights
Except as expressly authorized by GLF or by content providers, you agree not to reproduce, modify, rent, lease, loan, sell, distribute, mirror, frame, republish, download, transmit, or create derivative works of the content of others, in whole or in part, by any means. You must not modify, decompile, or reverse engineer any software GLF discloses to you, and you must not remove or modify any copyright or trademark notice, or other notice of ownership.
"GLF Trademarks" means all names, marks, brands, logos, designs, trade dress, slogans and other designations GLF uses in connection with its products and services. You may not remove or alter any GLF Trademarks or co-brand your own products or material with GLF Trademarks, without GLF's prior written consent except for downloaded logos and photographs as provided on the Site.
You acknowledge GLF's rights in GLF Trademarks and agree that any use of GLF Trademarks by you shall inure to GLF's sole benefit. You agree not to incorporate any GLF Trademarks into your trademarks, service marks, company names, internet addresses, domain names, or any other similar designations, for use on or in connection with computer or internet-related products, services or technologies, without the express permission of GLF.
11. Termination and suspension
GLF reserves the right to suspend and/or terminate any User with or without notice at any time in its sole discretion, for any reason or no reason. You agree that, if you are suspended and/or terminated, you will make no further use of the Site after termination or during suspension. Termination or suspension will not affect your previously-entered loan agreements unless specifically provided by GLF.
12. Disclaimer of warranties
The content of the Site is provided "as is" without any warranty, representation, condition, undertaking or term of any kind, express or implied, statutory or otherwise, including without limitation, the warranties of merchantability, non-infringement of intellectual property, or fitness for a particular purpose. GLF does not warrant the accuracy or completeness of the information, text, graphics, links or other items accessible hereby or contained within the materials, or security of the access or service. GLF also does not warrant that: (a) the Site will be uninterrupted, timely, secure, or error-free; (b) the results obtained from the use of the Site will be accurate or reliable; or (c) any errors in the Site will be corrected.
GLF may make changes to the service, materials, programs, policies or other information described herein, at any time without notice.
13. Assumption of risk
You agree and understand that you assume all risks when using the Site, including without limitation any and all of the risks associated with any online or offline interactions with other users. You agree to take all necessary precautions when interacting with other users.
You assume all risk for any damage to your computer system or loss of data that results from obtaining any content from the Site, including any damages resulting from computer viruses.
14. Limitation of liability
You understand and agree that GLF has no control over the acts or omissions of any user and that GLF makes no representations or warranties about the quality of the services provided by any user. You understand and agree that GLF is not responsible for the performance or conduct, whether online or offline, of any user of the Site. As such, GLF expressly disclaims, and each user expressly releases GLF from, any and all liability whatsoever for any controversies, claims, suits, injuries and/or damages arising from and/or in any way related to the Site, including without limitation any acts and/or omissions of users on or off the Site.
Users of the Site transact between themselves. GLF will not be involved in any user interactions. GLF is not responsible for disputes, claims, loss, injury, or damage of any kind that might arise during and after user interaction.
To the full extent permitted by law, GLF is not liable for any direct, indirect, punitive, special, incidental, consequential, or exemplary damages (including, without limitation, loss of business, revenue, profits, goodwill, use, data, electronically transmitted orders, or other economic advantage) arising out of or in connection with the Site, even if GLF has previously been advised of, or reasonably could have foreseen, the possibility of such damages, however they arise, whether in breach of contract or in tort (including negligence). This includes without limitation damages due to: (a) the use of or the inability to use the Site; (b) the cost or procurement of substitute goods and services resulting from any goods, data, information, or services purchased or obtained, or messages received or transactions entered into, through or from the Site; (c) statements or conduct of any third party on the Site, including without limitation unauthorized access to or alteration of transmission or data, malicious or criminal behavior, or false or fraudulent transactions; or (d) content or information users may download, use, modify, or distribute.
15. Indemnification
You agree to indemnify, defend, and hold harmless GLF and its subsidiaries, affiliates, shareholders, officers, directors, agents, licensors, suppliers, other partners, employees, and representatives from and against any and all claims, demands, causes of action, losses, expenses, damages and/or liabilities, including reasonable attorneys’ fees and court costs, incurred by GLF in any way related to your (a) acts and/or omissions on or off the site; (b) your violation of any rights of another; (c) breach of these Terms; (d) disputes with or between other users; (e) use and/or misuse of the site, including without limitation any information, content and/or materials thereon; (f) violation of any applicable law or regulation; (g) inaccurate, untimely, incomplete or misleading user information, including without limitation with respect to registration, profile or eligibility; (h) misstatements and/or misrepresentations; (i) use of links to third-party websites, including without limitation such websites' availability, terms of use, privacy policy, information, content, materials, advertising, products and/or services; (j) user information and any acts or omissions with respect to such user information; (k) use of any information in third-party reports; (l) use of third-party payment processing services; (m) use of telephone support services; and/or (n) use of any services or products or any contracts or arrangements made or provided based on information, content and/or materials obtained on or through the Site. You further agree that you will cooperate as requested by GLF in the defense of such claims. GLF reserves the right, at its own expense, to assume the exclusive defense and control of any matter otherwise subject to indemnification by users, and you shall not, in any event, settle any claim or matter on behalf of GLF without the written consent of GLF.
16. Arbitration
Any controversy, claim, suit, injury or damage arising from or in any way related to the Site or the Terms shall be settled by binding arbitration in accordance with the commercial arbitration rules of the American Arbitration Association then in effect and before a single arbitrator chosen by GLF. Any such controversy, claim, suit, injury or damage shall be arbitrated on an individual basis, and shall not be consolidated in any arbitration with any controversy, claim, suit, injury or damage of any other party. The arbitration shall be conducted in the state of Florida, and judgment of the arbitration award may be entered into any court having jurisdiction thereof. GLF may seek any interim or preliminary relief from a court of competent jurisdiction in Florida necessary to protect its rights pending the completion of arbitration. Each party shall assume its own costs of arbitration, including attorneys’ fees.
17. Injunction
You agree that any material breach of the Terms will result in irreparable harm to GLF for which damages would be an inadequate remedy, and therefore, in addition to its rights and remedies otherwise available at law, GLF will be entitled to equitable relief, including both a preliminary and permanent injunction, if such a breach occurs. You waive any requirement for the posting of a bond or other security if GLF seeks such an injunction.
18. Notices; modification and termination of services
GLF may provide notice to users via email, regular mail, or posting notices or links to notices on the Site. GLF reserves the right at any time to modify, suspend or terminate the Services (or any part thereof), and/or use of or access to them, with or without notice. GLF may also delete, or bar access to or use of, all related information and files. GLF will not be liable to users or any third-party for any modification, suspension, or termination of service, or loss of related information.
19. Governing law
This Agreement shall be governed by and construed in accordance with the substantive laws, without regard to choice of law rules, of the State of Florida, United States of America.
20. Entire agreement
These Terms constitute the entire agreement between you and GLF relating to their subject matter, and cancel and supersede any prior versions of the Terms. You may not assign or otherwise transfer the Terms or any right granted hereunder. You also may be subject to additional terms and conditions that may apply when you use GLF or third-party products or services.
21. Changes to Terms
GLF may at any time in its sole discretion modify the Terms by posting the amended Terms on the Site. Your continued use of the Site following any such modification shall be deemed acceptance of such modification.
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22. Miscellaneous
No failure or delay on the part of GLF in exercising any right or remedy hereunder or enforcing the Terms will operate as a waiver thereof.
If any part or provision of this Agreement is found to be invalid, unenforceable or void, then the remaining portion shall remain in full force and effect.
Headings are for convenience only and not for use in interpretation of the Terms.
You agree that no joint venture, partnership, employment, or agency relationship exists between you and GLF as a result of this agreement or use of the Services.
Any rights not expressly granted herein are reserved.