Terms and Conditions

By using this website, you agree to be bound by the following terms and conditions ("Service Agreement"). If you do not agree to the Service Agreement, you are not authorized to use this website.

EZborrow.com’s Terms and Conditions

1. We provide EZborrow's Web Site, www.EZborrow.com ("our Web site" or "the site" or "the EZborrow Web site"), in order to provide users with information about the EZborrow loan and purchase process. The following terms and conditions (the “Terms and Conditions”) govern your use of the site. Your use of certain areas or features may be subject to additional or separate terms and conditions, which will be posted or otherwise made available to you in connection with such area or feature. All content on our Web site is owned and operated by EZborrow, Inc. (“EZborrow” or "EZborrow.com" or “we” or “us” or “our” or other similar pronouns).

We may change the Terms and Conditions from time to time, at any time without notice to you. BY ACCESSING, USING, BROWSING, OR INDIRECTLY PURCHASING VIA THE SITE, YOU ACCEPT AND AGREE TO BE BOUND BY THESE TERMS AND CONDITIONS. If you do not agree to these Terms and Conditions, you may not access or otherwise use the site.

2. This Site (company) offers loans to borrowers located in New York State. We lend fixed sums of money on a secured basis at a fixed interest rate over a fixed period of time. All loans are subject to our approving your application and executing a formal Loan Agreement with EZborrow. The Loan Agreement contains amongst other information the duration of the loan, the applicable APR, loan repay options including paying the loan off early, the total amount you have to repay, and any charges that may be payable under the Loan Agreement if you are in default.

3. The information and materials contained on this Site, and the terms, conditions, are subject to change. Please review this Service Agreement frequently for any changes.

4. The information contained on this site is provided “as is”. EZborrow does not warrant the adequacy, accuracy, or completeness of the information contained herein and hereby expressly disclaims liability for errors or omissions, materials. We offer no warranty, implied, expressed, or written of any kind whether implied, expressed, or offered.

5. All information submitted to EZborrow via this site shall be deemed and remain the property of EZborrow. We shall reserve the right to, and be free to use, for any purpose, any information provided by a visitor to this Site. We shall not be subject to any obligations except as agreed by us or as otherwise specifically agreed or required by law. Nothing contained herein shall be construed as limiting or reducing our responsibilities and obligations to customers in accordance with our Privacy Notice.

6. By agreeing to our terms and conditions, you confirm that we may share information about Your Property with third parties for the purpose of authentication and / or valuation. We will not share your personal information with any third parties as according to our Privacy Policy

7. This site, nor any information contained or ascertained herein is intended for any purpose except as understood herein to distribution to, or be used by, any person or entity in any jurisdiction or country where such distribution or use would be contrary to local law or regulation.

8. This Service Agreement will be governed by the laws of the Town of Oyster Bay and New York State, without regard to its conflict of laws provisions. The exclusive venue for the resolution of any disputes under this Agreement shall be the state and federal courts located in the County of Nassau, State of New York, and you hereby agree that you consent to the jurisdiction of those courts and laws.

9. We are regulated by The Town of Oyster Bay Consumer Affairs under the Collateral Loan Brokers Law, under the Collateral Loan Brokers Law, Code of Oyster Bay 3-31-2009 by L.L No. 3-2009 Chapter 94

10. If any part of this Service Agreement is found to be not consistent with the laws or codes of state, county, or town illegal or unenforceable, such violations or inconsistencies will not affect the validity or enforceability of the remainder of the Service Agreement.

11. We hold the right to investigate and respond to all claims of intellectual property infringement and will take appropriate action under the Digital Millennium Copyright Act and any other applicable intellectual property laws of the State and or county.

Shipment of Property Terms

12. In the event that act of shipping items is part of your loan agreement, you agree to the additional terms and conditions regarding shipping and insurance of your property. By agreeing to our terms you agree for EZborrow to arrange shipping of your property that you wish to use as security for your loan. You hereby confirm that you are at least 18 years of age and that you are the sole owner of such property. Further, you represent that you hold clear title to the property being shipped / pledged against your loan.

13. You agree that EZborrow with act on your authority to engage a shipping agent to ship your property to and from our premises for the purpose of evaluating and storing your property. You agree and understand that it is your responsibility to make sure that you secure and package your property to be shipped. EZborrow is not responsible for damage to items shipped that are not appropriately packaged.

14. EZborrow will provide insurance coverage for loss or damage to your property in transit when using one of EZborrow’s shipping services up to a market replacement value as determined by EZborrow. We will not be held responsible for packages / property If you use your own shipping agent or shipping services. EZborrow requires you (the shipper) to retain a receipt and tracking number from the shipping agent. This receipt is required for any insurance claim.

15. It is also required of you to take and keep in your possession a photograph(s) of your property as well as any ownership papers that will prove ownership and the current replacement value of Your Property. You must keep safe all documentation relating to Your Property, including, but not limited purchase receipts, shipping receipts, certificates, appraisals, insurance documents or photos. You agree that we ultimately are not responsible or liable in any way if our insurers refuses any insurance claims in relation to Your Property. Upon receiving your property, we will inspect the item(s), and confirm that your property matches your photos and or description of your property.

16. EZborrow will appraise your property in accordance with industry standards. EZborrow reserves the right to refuse to make an offer to lend against your property in the event your property does not match your photos or description, which you provide. Any quote or offer that EZborrow makes to you is subject to our being able to confirm that the property shipped is indeed owned by you, and we can positively identify you. An offer from EZborrow is contingent on you executing a formal Loan Agreement with EZborrow and agreeing to our terms and conditions.

17. We shall use industry standards in appraising and determining the purity of gold and all precious metals. In doing so you agree that we may use an acid or an electronic test. If you do not accept an offer or we find us unable to loan against your property, we will ship them back to you. In accordance with industry standards you agree to allow EZborrow to disclose to any law enforcement or government agencies all information both personal and relating to your property. In the event that a law enforcement agent or agency request possession of your property, you agree and understand that EZborrow will consent, and you therefore consent that we shall give your property to the agent /agency.

18. You hereby agree and confirm that:

- You are at least 18 years of age

- You are the owner of the property in which you are borrowing against

- The property you are offering is not stolen

- You adhere to all of our policies and procedures

- No liability is accepted for entries that are not received for any reason by EZborrow.

19. Miscellaneous. The Terms and Conditions and the relationship between you and us shall be governed by the laws of the State of New York, without regard to its conflict of law provisions. You agree that any cause of action that may arise under the Terms and Conditions shall be commenced and be heard in the appropriate Nassau county court, within the State of New York. You agree to submit to the personal and exclusive jurisdiction of the courts located within Nassau County, within the State of New York. Our failure to exercise or enforce any right or provision of the Terms and Conditions shall not constitute a waiver of such right or provision. Any waiver of any provision of these Terms and Conditions by EZborrow must be made in writing and signed by an authorized representative of EZborrow, specifically referencing these Terms and Conditions and the provision to be waived. Headings used in these Terms and Conditions are for convenience only and are not to be relied upon. If any provision of the Terms and Conditions 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 and Conditions remain in full force and effect. These Terms and Conditions will inure to the benefit of, and are intended to be enforceable by, EZborrow successors, assigns and licensees. There are no third party beneficiaries to this Agreement; a person who is not a party to this Agreement has no rights under the Contracts (Rights of Third Parties) Act 1999 to rely upon or enforce any term or provision of this Agreement.

20. Further Inquiries. You may direct questions about these Terms and Conditions, or other issues, to:

71 Gazza Blvd
Farmingdale, NY 11735t

Last Modified: Jan 20, 2014

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