These Terms & Conditions of Use for Arena Lead Group include our Privacy Policy, along with any applicable operating rules, policies, price schedules, and additional terms and conditions or documents that may be issued periodically. All these documents are incorporated by reference into this agreement.
THIS AGREEMENT INCLUDES DISCLAIMERS OF WARRANTIES, LIMITATIONS OF LIABILITY, RELEASES, A CLASS-ACTION WAIVER, AND A REQUIREMENT TO ARBITRATE ANY CLAIMS THAT MAY ARISE UNDER THIS AGREEMENT. THESE PROVISIONS FORM A FUNDAMENTAL PART OF THE AGREEMENT.
Residents of New Jersey are encouraged to review their rights under this Agreement, as outlined in the New Jersey Truth-in-Consumer Contract Warranty and Notice Act (TCCWNA).
The services and content offered on the site are available only to individuals who are at least eighteen (18) years old (or the legal age of majority in their jurisdiction if it is higher than eighteen) and who are legally capable of entering into binding contracts under applicable law (collectively, the “Usage Requirements”). The Site Offerings are not intended for individuals who do not meet these Usage Requirements, including those under eighteen (18) years old (or the legal age of majority in their jurisdiction) and those who are not legally capable of entering into binding contracts under applicable law. If you do not meet all of the Usage Requirements, you are not permitted to access or use the Site Offerings. By accessing the site and/or using any of the Site Offerings, you represent and warrant that you meet all of the Usage Requirements.
Thank you for visiting the Arena Lead Group website. The Site is owned by Arena Lead Group. By accessing or using the Site, you agree to be bound by these Terms and Conditions in their entirety. This includes when you: (a) access or use the Site; (b) view any links to third-party credit card, personal loan, and auto loan resources and information (c) access text, videos, or other information regarding credit card, personal loan, and auto loan products/services available on the Site; (d) sign up to receive our newsletter featuring various credit card, personal loan, and auto loan products/services from third-party providers and advertisers; or (e) use the contact forms or information on the Site to reach out to us or our third-party service providers about Third-Party Products. Please read these Terms and Conditions carefully. If you do not agree with them in their entirety, you are not authorized to use the Site Offerings.
Arena Lead Group does not directly offer credit card, personal loan, auto loan, or other financial services/products. The terms and conditions of any financial products/services accessed through the Site Offerings are determined by the respective third-party service providers. Arena Lead Group is not an agent for you or any third-party service provider. We provide administrative and marketplace services to connect potential borrowers with third-party providers who may offer the financial products/services you seek. Always consult your financial advisors to ensure any financial products/services offered by third-party providers are suitable for you. Use the information provided through the Site Offerings at your own risk. Arena Lead Group disclaims all liability for any loss or damage resulting from the use of information obtained through the Site Offerings.
(a) Arena Lead Group does not sponsor, recommend, or endorse any third-party service providers or advertisers accessible through the Site Offerings. These third-party entities pay for access to users. We do not guarantee that you will find suitable financial products/services through the Site Offerings.
(b) Exercise caution and common sense when using the Site Offerings. Arena Lead Group does not endorse the content or legality of any statements or promises made by third-party providers or advertisers featured on the Site.
(c) Decisions regarding financial products/services should not be based solely on advertisements or claims of expertise. Arena Lead Group does not verify the standing of third-party providers with regulatory authorities. Before engaging with any third-party providers, check their standing with the relevant agencies.
(d) Arena Lead Group does not involve itself in agreements between users and third-party providers or advertisers. We do not make representations about the trustworthiness or competence of any parties involved. You are responsible for evaluating the suitability of third-party providers you communicate with via the Site Offerings.
The Site Offerings allow users to access information and comparison services for third-party financial products and connect with third-party providers. We do not charge users for access but may receive fees from third-party providers and advertisers. We reserve the right to modify or discontinue any Site Offerings without notice. Certain areas of the Site are restricted to registered users. Arena Lead Group does not provide any third-party products directly, and the terms of these products are set by third-party providers. We are not responsible for any disputes between you and third-party providers or advertisers. Any changes, suspension, or discontinuation of third-party products/services is beyond our control.
If you register on our Site, you will be given a user ID and password, which you must keep confidential. We may disable your account at our discretion without notice. You are responsible for ensuring you have the necessary equipment and internet connection to access the Site Offerings. Arena Lead Group does not guarantee the availability or quality of your internet connection or that the Site Offerings will be accessible on all devices or through all browsers. Any charges incurred for accessing the Site Offerings through your device are your responsibility.
This Agreement constitutes the entire agreement between you and Arena Lead Group regarding your use of the Site Offerings, superseding all prior agreements. We may amend the Agreement at our discretion without specific notice to you, except for changes to arbitration provisions which will not apply to disputes arising before the amendment. The latest Agreement will be posted on the Site, and your continued use of the Site Offerings indicates your acceptance of the updated terms. Any future offers that enhance the Site Offerings will be subject to this Agreement. Arena Lead Group is not responsible for your inability to use or qualify for any third-party products or services. If we terminate this Agreement, we have no liability to you. Your sole remedy for any dispute with Arena Lead Group is to stop using the Site Offerings. This Agreement only governs your use of the Site Offerings.
When you engage with our Contact Services or sign up for the Newsletter, you may need to provide certain information. Arena Lead Group may collect the following details: (a) your email address; (b) your full name; (c) your telephone number; (d) your mailing address; (e) your date of birth; (f) the amount of the loan requested, if applicable; (g) your yearly income; (h) your credit score; (i) whether you rent or own a home; (j) your driver's license number; (k) the state that issued your driver's license; (l) your primary source of income; (m) your tenure at your current job; (n) your employer's name; (o) your employer's phone number; (p) your monthly income; (q) your pay frequency; (r) your pay dates; (s) whether you are a member of the active military; (t) your bank account number; (u) your bank routing number; (v) your bank name; (w) your tenure at the bank; (x) your account type; (y) whether you use direct deposit; (z) your social security number, and any other relevant information collected via the Contact Services form, collectively referred to as "Contact Data."
Upon submitting your Contact Data on the Site, the following may occur: (i) Arena Lead Group may share your Contact Data with one or more of its Third-Party Service Providers and/or Third-Party Advertisers; (ii) you may receive communication from Arena Lead Group and/or one or more Third-Party Service Providers regarding your request; and/or (iii) you may receive communication from one or more Third-Party Advertisers offering third-party services or products of potential interest. If you have provided "prior express written consent" as defined by the Telephone Consumer Protection Act, Arena Lead Group and/or its designated Third-Party Service Providers and/or Third-Party Advertisers may contact you via telephone, including artificial voice calls, pre-recorded messages, and SMS text messaging. Any information you provide to a Third-Party Service Provider and/or Third-Party Advertiser will be subject to their respective privacy policies.
If Arena Lead Group contacts you regarding your submission of Contact Data, a representative may request additional information over the telephone, collectively referred to as "Follow-Up Data," which, together with the Contact Data, constitutes "User Data." You agree to provide accurate, current, and complete User Data, and Arena Lead Group's use of User Data will be governed by the Privacy Policy. For a copy of the Privacy Policy, please click here.
Please note that Arena Lead Group does not provide Third-Party Products or similar services itself. The terms and conditions of any product or service featured on the Site will be determined by the relevant Third-Party Service Providers and/or Third-Party Advertisers. Arena Lead Group is not responsible or liable for your use of, or inability to use or qualify for, any Third-Party Products or other featured products/services, nor for any disputes between you and Third-Party Service Providers and/or Third-Party Advertisers. Arena Lead Group shall not be liable for any modifications, suspensions, or discontinuations of Third-Party Products or other offerings by Third-Party Service Providers and/or Third-Party Advertisers.
The Site offers users the chance to subscribe to the Newsletter, which may include Third-Party Products, along with details about selected Third-Party Service Providers and Third-Party Advertisers. To register for the Newsletter, users need to submit their first name and email address on the Site. After this submission, the Site will send a confirmation email containing a confirmation link. To complete the registration process, users must activate this confirmation link.
By providing "prior express written consent" as defined by the TCPA, you agree to receive SMS messages from Arena Lead Group and/or its designated Third-Party Service Providers and/or Third-Party Advertisers. You may receive a maximum of fifteen (15) such SMS messages per calendar month. Standard message and data rates may apply to any SMS/text messages. To opt-out from receiving future messages, text “STOP”. Please note that no other words or combination of words will successfully opt you out. For assistance, text “HELP” or email us at [email protected]. We are not liable for delayed or undelivered messages. Message and data rates may apply.
Participating Carriers: The following mobile carriers are not liable for delayed or undelivered messages: AT&T, Alltel, T Mobile, Verizon Wireless, U.S. Cellular, Sprint, Boost, Metro PCS, Cellcom, Cellular One, Cellular South, Cincinnati Bell, nTelos, Virgin Mobile, ACS Wireless, Bluegrass, Centennial, Cox Communications, ECIT - Cellular One of East Central Illinois, EKN - Appalachian Wireless, GCI Communications, Immix - PC Management, Inland Cellular, IVC - Illinois Valley Cellular, Nex-Tech Wireless, RCC/Unicel, Revol, RINA/All West Wireless, RINA/CTC Telecom-Cambridge, RINA/FMTC-Farmers Mutual Telephone Co., RINA/Nucla-Naturita Telephone Co., RINA/Silverstar, RINA/Snake River PCS, RINA/South Central, RINA/Syringa Wireless, RINA/UBET, and West Central Wireless.
The Site features content including text, video, and information related to credit card, personal loan, and auto loan-related products and/or services, along with regularly updated third-party links. This content is provided for informational purposes only and is subject to the disclaimers on the Site.
The offerings provided on the Arena Lead Group site, including its design, graphics, software, and other related matters, are safeguarded by applicable copyrights, trademarks, and other proprietary rights. Users do not acquire ownership rights to any content, software, or materials on the site. While users are granted a limited license to access and use the site offerings, this license can be terminated by Arena Lead Group at any time for any reason. Unless expressly authorized, users may only use the site offerings for personal, non-commercial purposes. Reproduction, modification, or exploitation of the site offerings in any form is strictly prohibited without explicit permission.
The trademarks "Arena Lead Group" and its logo are owned by Arena Lead Group. All other trademarks appearing on the site are the property of their respective owners. Unauthorized use of any trademark is strictly prohibited. Arena Lead Group reserves all rights not explicitly granted in the agreement.
Users are prohibited from using the site offerings to distribute malicious software or conduct automated data collection activities. Collecting information about other users of the site offerings is also prohibited. Users may not use the site offerings in any way that causes damage to the site or for unlawful purposes.
Arena Lead Group reserves the right to edit or delete any content on the site offerings at its discretion.
Users agree to indemnify and hold Arena Lead Group and its affiliates harmless from any claims arising out of their use of the site offerings or any violation of the agreement.
The site offerings are provided on an "as is" basis, and Arena Lead Group disclaims all warranties, express or implied, including warranties of merchantability and fitness for a particular purpose. Arena Lead Group does not guarantee that the site offerings will meet users' requirements or be error-free.
Arena Lead Group shall not be liable for any damages arising from users' use of the site offerings, including loss of profits or data. Liability is limited to the maximum extent permitted by law.
Arena Lead Group is not responsible for the content or availability of third-party websites linked to from the site offerings.
Users' use of the site offerings is subject to Arena Lead Group's Privacy Policy, and Arena Lead Group may use information about users' use of the site in accordance with this policy.
Tampering with the operation of the site offerings is a violation of law, and Arena Lead Group will pursue legal remedies against offenders.
20. Dispute Resolution ProvisionsAny disputes arising from the agreement will be resolved through arbitration in New York, New York, in accordance with the American Arbitration Association's rules.
If any part of the agreement is held invalid, the remaining provisions will still be enforceable. These terms and conditions take precedence over any conflicting statements on the site offerings.
For questions about the agreement or more information from Arena Lead Group, users can contact via email or mail.