TERMS OF USE

BLUE COAST FINANCIAL SERVICES, INC., a Delaware corporation, doing business as GetABetterTitleLoan.com and Blue Coast Cash ("Blue Coast" or "we" or "our"), owns and operates the websites located at GetABetterTitleLoan.com, BlueCoastFinancialServices.com and BlueCoastFinancialServices.autopal.info (the "Sites").

BLUE COAST PROVIDES AND MAINTAINS THE SITES FOR YOUR INFORMATION, CONDITIONED ON YOUR ACCEPTANCE, WITHOUT MODIFICATION, OF THE TERMS, CONDITIONS AND NOTICES CONTAINED IN THESE TERMS OF USE. IF YOU DO NOT AGREE TO BE BOUND BY THE TERMS AND CONDITIONS, PROMPTLY EXIT THE SITES. BY ACCESSING AND USING THE SITES, YOU ACCEPT AND AGREE, WITHOUT LIMITATION, TO THE FOLLOWING:

LENDING AND BROKERING SERVICES

You understand and agree that Blue Coast is a lender and broker. Loans are made or arranged to California borrowers only pursuant to Blue Coast’s California Finance Lender’s License # 60DBO-74450. On some transactions, Blue Coast may act as either a broker, a lender or both.

LOAN REQUEST ACCEPTANCE POLICY

Your receipt of an electronic or other form of order confirmation does not signify any acceptance of your loan request, nor does it constitute confirmation of any offer to fund. Blue Coast reserves the right at any time after receipt of your loan request to accept or decline your loan request for any lawful reason. Blue Coast may require additional verifications or information before accepting any loan request. Blue Coast is not responsible for requests that cannot be funded or unsuccessful funding requests arising from an individual's ineligibility to qualify for the funding opportunity.

RESTRICTIONS

You must be 18 years or older and be a legal resident of California to submit a loan request. You agree not to use the Sites, or any content contained in it for any illegal or inappropriate activities.

CREDIT CHECK - FCRA COMPLIANCE

By submitting your information to Blue Coast, you are providing your express written consent under the Fair Credit Reporting Act for Blue Coast and our selected lenders, (“lenders”) to obtain your consumer credit profile or other information from contracted Credit Bureau's associated with your loan inquiry. While the "soft pull" that Blue Coast may initiate will not affect your credit score, please note that credit inquires by selected lenders, will likely impact your credit score.

FINANCIAL INFORMATION VERIFICATION

Requesting a loan though Blue Coast will require you to submit to Blue Coast information about, including without limitation, your personal income, expenses, assets, liabilities, and collateral. (“Financial Information”) This information will be passed on to our selected lenders in order to provide you with the proper loan. Some lenders may require you to verify your Financial Information before they offer you a loan. By submitting your Financial Information to Blue Coast, you promise that it is completely accurate information. Verification includes without limitation, copies of pay stubs, other wage/income/salary document, bank statements, proof of expenses, and collateral title documents. You further agree that such a proof of Financial Information may be a necessary step in receiving a loan.

E-CONSENT

By using the services available through the Sites, you consent to receive electronically all disclosures, notices or other records that we, and the lenders, are required by law to disclose to you in writing regarding your loan request or the making or brokering of your loan (e.g., written disclosures required under the California Financing Law, Truth in Lending Act, Gramm-Leach-Bliley Act, California Financial Information Privacy Act, Federal Credit Reporting Act, Rosenthal Fair Debt Collection Practices Act, and the Equal Credit Opportunity Act) (the “Disclosures”). Each time you submit a loan request through Blue Coast, you consent to the receipt of electronic Disclosures with respect to that specific loan request and the resulting loan, if any. Your consent does not apply to any future transactions between us, and the lenders. The lenders may ask you to agree to an additional electronic consent agreement (or similar agreement). You are responsible for reading and understanding the terms of these additional consent agreements.

CUSTOMER COMMUNICATIONS

Because we operate on the Internet, whether you choose to participate on our platform as a borrower, or in any other manner, it is necessary for you to consent to transact business with us online and electronically. The decision to do business with us and the lenders electronically is yours. This document informs you of your rights concerning Disclosures.

By accepting these Terms of Use, you expressly consent to be contacted by us, the lenders we work with, or anyone calling on our behalf for any and all purposes, at any telephone number, or physical or electronic address you provide or at which you may be reached. You agree we may contact you in any way, including SMS messages (including text messages), calls using prerecorded messages or artificial voice, and calls and messages delivered using auto telephone dialing system or an automatic texting system. Automated messages may be played when the telephone is answered, whether by you or someone else. In the event that one of our representatives calls, he or she may also leave a message on your answering machine, voice mail, or send one via text.

You consent to receive SMS messages (including text messages), calls and messages (including prerecorded and artificial voice and autodialed) from us, our representatives, or the lenders, or anyone calling on our behalf at the specific number(s) you have provided to us, or numbers we can reasonably associate with your account (through skip trace, caller ID capture or other means), with information or questions about your application, loan and/or account. You certify, warrant and represent that the telephone numbers that you have provided to us are your numbers and not someone else's. You represent that you are permitted to receive calls at each of the telephone numbers you have provided to us. You agree to alert us whenever you stop using a particular telephone number.

We offer you the chance to enroll to receive SMS/text messages from Blue Coast, such as account-related news and alerts and/or offers for products and services. By enrolling in Blue Coast’s SMS/text messaging service, you agree to receive text messages from Blue Coast to your mobile phone number provided, and you certify that your mobile number provided is true and accurate and that you are authorized to enroll the designated mobile number to receive such text messages. You acknowledge and agree that the text messages may be sent using an automatic telephone dialing system and that standard message and data rates apply. Consent to receive SMS/text messages is not required as a condition of purchase.

To unsubscribe from text messages at any time, text STOP to 833-229-3100 or reply STOP to any text message you receive from Blue Coast. You consent that following such a request to unsubscribe, you may receive one final text message from Blue Coast confirming your request. For help, text HELP to 833-229-3100 or contact us at servicing@bluecoastfinancialservices.com.

TELEMARKETING CALLS: If you have provided consent for telemarketing calls, you agree that (i) we, our representatives, the lenders, and anyone calling on our behalf may call, email or SMS messages (including text messages) you at the numbers and addresses you have provided for purposes of describing goods and services that may be of interest to you, offered by us, and/or the lenders; (ii) agree these calls, text and email messages may be made using an automatic dialing or email system technology and/or involve prerecorded and/or artificial voice messaging. Your consent, if provided, will be effective even if the number you have provided is registered on any state or federal Do-Not-Call (DNC) list. This consent for telemarketing calls shall remain in effect until you revoke it. Your consent to telemarketing calls may be revoked by informing the telemarketing representative, or any other method, which ensures we receive the revocation.

Your consent to telemarketing calls is not a condition of obtaining your loan.

You also understand that your cellular or mobile telephone provider will charge you according to the type of plan you carry.

Opt-Out: You can revoke your consent by contacting us via email at servicing@bluecoastfinancialservices.com or by calling Member Support at (833) 229-3100. You may also reach us in writing to us at the following address:

BLUE COAST FINANCIAL SERVICES, INC.

3912 Brayton Avenue

Long Beach, California 90807

CALL RECORDING AND MONITORING: You consent to the recording and monitoring, for quality assurance, training, risk management and/or collection purposes, of any call that you place with us (or our representatives, and lenders or anyone calling on our behalf) or that we (or our representatives, the lenders or anyone calling on our behalf) place to you.

COMPLIANCE WITH LAWS

You agree to comply with all applicable laws, statutes, ordinances and regulations regarding your use of the Site and your purchase of products or services through the Sites’ of lenders. Blue Coast may, in its sole discretion, report actual or perceived violations of law to law enforcement or appropriate authorities. If Blue Coast becomes aware, through a complaint or otherwise, of any potential or suspected violation of these Terms of Use or of its privacy policy ("Privacy Policy"), Blue Coast may (but is not obligated to) conduct an investigation to determine the nature and extent of the suspected violation and the appropriate enforcement action, during which investigation, Blue Coast may suspend services to any customer being investigated and/or remove any material from Blue Coast's servers. You agree to cooperate fully with any such investigation. You acknowledge that violations of the Terms of Use or the Privacy Policy could be subject to criminal or civil penalties.

INTELLECTUAL PROPERTY

The copyrights, trademarks, titles, characters, trade names, graphics, designs and other properties, including all software, text and images appearing on this Sites are protected intellectual properties owned by Blue Coast, its licensees, or other third parties who have authorized use of such properties on the Sites.

Blue Coast grants you permission to view and make copies of documents, pages, images or other materials or content on the Sites for the purposes of obtaining a loan. Blue Coast reserves all other rights in the Sites and their contents. You may not distribute, display, transmit or disseminate any such documents, pages, images, materials or content without the prior written consent of Blue Coast. Except as expressly provided on Sites, nothing contained on the Sites shall be construed as conferring any right or license under any trademark, copyright, patent, or other intellectual property right.

TRADEMARK NOTICE

GetABetterTitleLoan.com and Blue Coast Financial Services are logos, trademarks, and service marks of Blue Coast. All other trademarks, service marks and logos used in the Sites are the trademarks, service marks or logos of their respective owners.

WARRANTY DISCLAIMER

THE SITES, INCLUDING ANY CONTENT OR INFORMATION CONTAINED WITHIN THEM OR ANY SITE-RELATED SERVICE, ARE PROVIDED “AS IS,” WITH ALL FAULTS, WITH NO REPRESENTATIONS OR WARRANTIES OF ANY KIND, EITHER EXPRESSED OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NONINFRINGEMENT. YOU ASSUME TOTAL RESPONSIBILITY AND RISK FOR YOUR USE OF THE SITES, SITE-RELATED SERVICES, AND HYPERLINKED WEBSITES.

BLUE COAST, ITS AFFILIATES AND ITS SPONSORS ARE NEITHER RESPONSIBLE NOR LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL, EXEMPLARY, PUNITIVE, OR OTHER DAMAGES ARISING OUT OF OR RELATING IN ANY WAY TO THE SITES, SITES-RELATED SERVICES, CONTENT OR INFORMATION CONTAINED WITHIN THE SITES, AND/OR ANY HYPERLINKED WEBSITE. YOUR SOLE REMEDY FOR DISSATISFACTION WITH THE SITES, SITED-RELATED SERVICES, AND/OR HYPERLINKED WEBSITES IS TO STOP USING THE SITED AND/OR THOSE SERVICES.

Although Blue Coast attempts to ensure the integrity and accurateness of the Sites, it makes no guarantees whatsoever as to the correctness or accuracy of the Sites. It is possible that the Sites could include inaccuracies or errors, and that unauthorized additions, deletions and alterations could be made to the Sites by third parties. In the event that an inaccuracy arises, please inform Blue Coast so that it can be corrected. Information contained on the Sites may be changed or updated without notice.

THIRD PARTY CONTENT

The Sites may contain links to websites maintained by third parties. Blue Coast is not responsible for the content or privacy policies of those websites, and the existence of such links should not be considered an endorsement or recommendation of those websites or of any product or service offered on those websites or of any party that is associated with those websites.

Blue Coast makes no representations whatsoever about any other Website that you may access though the Sites. When you access a non-Blue Coast Website, please understand that it is independent from Blue Coast, and that Blue Coast has no control over the content on that Website. In addition, a hyperlink to a non-Blue Coast Website does not mean that Blue Coast endorses or accepts any responsibility for the content, or the use, of the linked site. It is up to you to take precautions to ensure that whatever you select for your use or download is free of such items as viruses, worms, Trojan horses, and other items of a destructive nature.

PRIVACY

Blue Coast's Privacy Policy, which is incorporated herein by reference, is applicable to any data supplied through the Sites in accordance with the Privacy Policy available here: LINK to WS Privacy Policy pdf. The Privacy Policy sets out your rights and Blue Coast's responsibilities with regard to your personal information. Blue Coast will not use your information in any way inconsistent with the purposes and limitations provided in the Privacy Policy. You agree that Blue Coast, in its sole discretion, may modify the Privacy Policy, and you further agree that, by using the Sites, after such modifications become effective, you have agreed to these modifications. You acknowledge that if you do not agree to any such modification, you will terminate the use of the Sites.

SECURITY

Blue Coast utilizes secure technology to protect your personal information. Although Blue Coast has taken reasonable measures to provide for the security of certain information that you submit to the Sites, Blue Coast cannot guarantee that this information will not be intercepted or decrypted by others. Blue Coast accepts no responsibility for such interception or decryption.