Privacy Policy

Welcome to Advance Loan Manager (“ALM”, “we”, “our”, or “us”). You are currently using the advanceloanmanager.com web site (the “Site”). We maintain this Site as a service to our visitors and customers (“you” or “yours”). By using the ALM services and the ALM software described below, you are agreeing to comply with and be bound by the following terms of use. Please review the following terms carefully.

Acceptance of Agreement

You agree to the terms and conditions outlined in this Terms of Use Agreement, together with any documents expressly incorporated by reference (collectively the “Agreement”) with respect to the Site and your use of ALM’ loan management software (the “Software”). This Agreement governs your access to and use of the Site, including any content, functionality, and services offered on or through the Site, whether as a guest or as a registered user. This Agreement constitutes the entire and only agreement between ALM and you related to your use of the Software, and supersedes all prior or contemporaneous agreements, representations, warranties and understandings with respect to the Software, the ALM site, the content, products or Services provided by or through the Site, and the subject matter of this Agreement. This Agreement may be amended at any time by us from time to time in our sole discretion without specific notice to you. The latest Agreement will be posted on the ALM Site, and you should review this Agreement prior to using the ALM Site. All changes to this Agreement are effective immediately when we post them on the ALM Site. If you do not agree to be bound by this Agreement (or any applicable terms) and to abide by all applicable laws, you are not authorized to use the Software and the applicable ALM services and should discontinue use. Your continued use of the ALM Site following the posting of revised terms and conditions means that you accept and agree to the changes. You are expected to check this page from time to time so you are aware of any changes as they are binding on you.

Use of Site and Software; Payment

You understand that the software provides Loan management solution. Simple user interface and flexible for various business use cases. Various analytical reporting and customer notifications. (the “Services”). In using our Software, you agree to pay ALM all applicable fees and taxes. The Services may only be used as authorized, and commercial use is restricted.

All payments, whether transacted through this Site, through a third party’s web site, or through any other means, are governed by this Agreement. Additional terms and conditions may also apply to specific portions, services, or features of this Site and are incorporate herein by this reference. All payments to ALM for the Services or for use of the Software for your Account, as defined herein, must be made using means of payment that we may approve from time to time. We currently require payments to be made by major bank transfer, credit card or online payment mode. You authorize us to charge such credit card for all purchased Services for all subscription terms and any renewal subscription term(s) as set forth in this Agreement. All payments must be made from a payment source on which you are the named Account holder. All payments are not refundable, for any reason.

You will be charged in arrears for the Services at the end of each billing period ("Billing Date"). If we do not receive the full amount of your Service Fees within 15 days of the Billing Date, a late payment charge of 1.5% per month may be added to your bill and immediately become due and payable. You agree to pay us all reasonable attorney's fees and costs incurred by us to collect any past due amounts. Your account will be deactivated without further notice if payment is past due, regardless of the dollar amount. You agree to pay any outstanding balance in full within 30 days of cancellation or termination of the Services. We may change our fee structure at any time with thirty (30) days’ notice. You agree that we will not be liable for any loss caused by any unauthorized use of your credit card or any other method of payment by a third party in connection with the Site. You waive your right to dispute any payment made into your Account and you will bear all costs. Any attempt to defraud the Site through the use of credit cards or other methods of payment, or any failure by you to honor charges or requests for payment will result in immediate termination of your Account and civil and/or criminal prosecution.

ALM may use third party electronic payment processors and/or financial institutions ("ESPs") to process financial transactions. You irrevocably authorize us, as necessary, to instruct such ESPs to handle such transaction and you irrevocably agree that ALM may give such instructions on your behalf in accordance with your requests as submitted on the Site. You agree to be bound by the terms and conditions of use of each applicable ESP, and in the event or conflict between this Agreement and the ESP's terms and conditions then this Agreement shall prevail.

To provide continuous service, ALM automatically renews all paid and upgraded subscriptions upon expiration and upon upgrade. Such renewals are generally for the same duration as the original subscription term (for example, a 1-month subscription will renew on a monthly basis, a 3-month subscription will renew on a 3-month basis, and so on). By using the Site, you acknowledge that your Account will be subject to the above-described automatic renewals. If you do not want your subscription to automatically renew, you must provide ALM with written notice of your intent not to renew your subscription at least thirty (30) days prior to the end of the then-current subscription term. ALM reserves the right to change the prices of ALM’ services at any time in its sole discretion.

Your Account

As a registered user of the Software and Service, you are establishing an account ("Account"). You are solely responsible for maintaining the confidentiality and security of your Account and for all activities that occur on or through your Account, and you agree to immediately notify ALM of any security breach of your Account. ALM shall not be responsible for any losses arising out of the unauthorized use of your Account.

You agree to provide accurate and complete information when you register with, and as you use, the Software, and you agree to update your information to keep it accurate and complete. You agree that ALM may store and use the information you provide for use in maintaining and billing fees to your Account. You understand and agree that failure to provide true and accurate information when registering your Account may result in up to and including termination of Agreement, prohibiting any future use of the Software and registration for the Services.

You agree not to use the Account, username, email address or password of another member or third party at any time or to disclose your password to any third party. You also may not create an Account for anyone other than yourself without the other person's permission. Your Account will be deleted and Services may be terminated without warning, if ALM believes that you have misrepresented your age or identity to ALM in a manner that violates this Agreement or is unlawful. Registered sex offenders and those convicted of violent crimes are not eligible for creation of an Account.

Content Posted

Please choose carefully the information that you post on, through or in connection with your Account and the Services (the “Content”). Information, materials, products or services provided by other users may, in whole or in part, be unauthorized, impermissible or otherwise violate this Agreement, and ALM assumes no responsibility or liability for this material. If you become aware of misuse of the Software or Services by any person, please immediately notify ALM of the misuse.

ALM may reject, refuse to post or delete any Content that, in the sole judgment of ALM, violates this Agreement, is inappropriate for the Services or which may be offensive, illegal or violates the rights of any person or entity, or harms or threatens the safety of any person or entity. However, ALM is not obligated to take any action not required by law. ALM, may, but assumes no responsibility or obligation for reviewing or monitoring the Services for inappropriate Content or conduct. If at any time ALM chooses, in its sole discretion, to review or monitor the Services, ALM nonetheless assumes no responsibility for the Content, no obligation to modify or remove any inappropriate Content, and no responsibility for the conduct of the user submitting any such Content.

You irrevocably grant ALM the sublicensable right to use and exploit your name, persona, likeness, pseudonym, information and Content, and to share it with others, without any obligation or remuneration to you. This may include, without limitation, associating you with commercial, sponsored or related content. If you are not the age of majority where you reside, you represent and warrant that your parent or guardian has read this section and consented and agreed on your behalf.

By posting any Content on, through or in connection with the Site, Software or Services, you hereby grant to ALM a license to use, modify, delete from, add to, combine with other content, publicly perform, publicly display, reproduce, transmit, sell, distribute, and otherwise exploit such Content by all means and manners now or later known, including, without limitation, on, through or in connection with the Services to third party applications; widgets; websites; or mobile, desktop or other services which are linked with your Account at your election (collectively, "Linked Services"), including, without limitation, distributing part or all of the Services and any Content included therein, in any media formats and through any media channels. The license you grant is perpetual. Deleted Content may persist in archival copies on ALM servers for a reasonable period of time. You understand and agree that once Content is distributed to a Linked Service, or incorporated into other aspects of the Software or Services (e.g., as part of a derivative work), ALM is under no obligation to delete or ask other users or a Linked Service to delete that Content; therefore, it may continue to appear and be used indefinitely.

Compliance

You agree that you will abide by all applicable federal, state and local law, rules and regulations, or the orders of any federal, state or local government properly in using the Software and the Site, including all obligations regarding the confidentiality of information relating to ALM’ customers.

Service Availability

ALM may change, suspend or end any Service, or change and modify prices prospectively at its discretion.

Termination

If you fail, or ALM suspects that you have failed, to comply with any of the provisions of this Agreement, ALM, at its sole discretion, without notice to you may: (i) terminate this Agreement and/or your Account, and you will remain liable for all amounts due under your Account up to and including the date of termination; and/or (ii) terminate the license to the Software; and/or (iii) preclude access to the Services (or any part thereof).

ALM reserves the right to modify, suspend, or discontinue the Service (or any part or content thereof) at any time with or without notice to you, and ALM will not be liable to you or to any third party should it exercise such rights.

The following shall survive termination:

  • Our rights to use and disclose your feedback;
  • Members and/or visitor’s rights to further re-share content and information you shared through the Service or Software to the extent copied or re-shared prior to termination;
  • Our rights to use and disclose your feedback;

Any amounts owed by either party prior to termination remain owed after termination.

All fees in connection with use of the Software and registration for Services are non-refundable. There will be no refunds or credits for cancellation of your Account, whether cancelled by you or by ALM, or for partial months or years of Service.

Copyright

The Software and the content, organization, graphics, design, audio, animation, video, compilation, magnetic translation, digital conversion and other matters related to the Site are protected under applicable copyrights, trademarks and other proprietary (including but not limited to intellectual property) rights. The copying, redistribution, use or publication by you of any such matters or any part of the Site is strictly prohibited. You do not acquire ownership rights to any content, document or other materials viewed through the Site. The posting of information or materials on the Site does not constitute a waiver of any right in such information and materials.

Trademarks

The trademarks, logos, and service marks ("Marks") displayed on this Site are the property of ALM or other third parties. You are not permitted to use the Marks without the prior written consent of ALM or such third party that may own the Marks. By uploading any trademarks, logs, or service marks on the Site, you are providing ALM rights of use to those Marks.

Use of Software

The Software and accompanying documentation that is made available on the Site is the copyrighted and/or patented work of ALM and/or its suppliers. Use of the Software is governed by the terms of this Agreement. If you do not agree to or abide by these terms, you will not be able to use the Software. You agree that you will not decompile, reverse engineer, or otherwise attempt to discover the source code of the Software available on the Site.

Limited Right to Use

The viewing, printing or downloading of any content, graphic, form or document from the Site grants you only a limited, nonexclusive license for use solely by you for your own personal use and not for republication, distribution, assignment, sublicense, sale, preparation of derivative works or other use. No part of any content, form or document may be reproduced in any form or incorporated into any information retrieval system, electronic or mechanical, other than for your personal use (but not for resale or redistribution). ALM reserves the right to revoke the authorization to view, download, and print the ALM Software content available on its Site at any time, and any such use shall be discontinued immediately upon notice from ALM. The rights granted to you constitute a license and not a transfer of title.

Editing, Deleting and Modification.

ALM reserves the right in its sole discretion to edit or delete any documents, information or other content appearing on the Site.

Indemnification

BY USING THE SOFTWARE AND SERVICES, YOU AGREE, TO THE EXTENT PERMITTED BY LAW, TO INDEMNIFY AND HOLD ALM, ITS DIRECTORS, OFFICERS, EMPLOYEES, AFFILIATES, AGENTS, CONTRACTORS, AND LICENSORS HARMLESS WITH RESPECT TO ANY CLAIMS ARISING OUT OF YOUR BREACH OF THIS AGREEMENT, YOUR USE OF THE SOFTWARE AND SERVICE, OR ANY ACTION TAKEN BY ALM AS PART OF ITS INVESTIGATION OF A SUSPECTED VIOLATION OF THIS AGREEMENT OR AS A RESULT OF ITS FINDING OR DECISION THAT A VIOLATION OF THIS AGREEMENT HAS OCCURRED. THIS MEANS THAT YOU CANNOT SUE OR RECOVER ANY DAMAGES FROM ALM, ITS DIRECTORS, OFFICERS, EMPLOYEES, AFFILIATES, AGENTS, CONTRACTORS, AND LICENSORS AS A RESULT OF ITS DECISION TO REMOVE OR REFUSE TO PROCESS ANY INFORMATION OR CONTENT, TO WARN YOU, TO SUSPEND OR TERMINATE YOUR ACCESS TO THE SOFTWARE OR SERVICE, OR TO TAKE ANY OTHER ACTION DURING THE INVESTIGATION OF A SUSPECTED VIOLATION OR AS A RESULT OF ALM’ CONCLUSION THAT A VIOLATION OF THIS AGREEMENT HAS OCCURRED. THIS WAIVER AND INDEMNITY PROVISION APPLIES TO ALL VIOLATIONS DESCRIBED IN OR CONTEMPLATED BY THIS AGREEMENT.

Nontransferable

Your right to use the Software and Site is not transferable. Any password or right given to you to obtain information or documents is not transferable.

Use of Information

ALM reserves the right, and you authorize ALM, to the use and assignment of all information regarding Site and Software uses by you and all information provided by you in any manner consistent with ALM’ privacy policy. By using the Services, Software and the Site, you consent to the collection, storage, processing, sharing and use of your data in accordance with these terms of use. By using the Services, you further agree that ALM may change, alter, or modify the settings or configurations on your device used in connection with your use of the Software and Services (e.g., in order to allow for or optimize use).

Links to other Web Sites

The Site may contain links to other websites. ALM not responsible for the content, accuracy or opinions express in such websites, and such websites are not investigated, monitored or checked for accuracy or completeness by ALM. Inclusion of any linked Web site on our Site does not imply approval or endorsement of the linked website by us. If you decide to leave our Site and access these third-party sites, you do so at your own risk.

Communications

When you communicate with ALM electronically, such as via e-mail and text message, you consent to receive communications from ALM by the same method. Please note that ALM is not obligated to respond to inquiries that it receives. You agree that all agreements, notices, disclosures, and other communications that we provide to you electronically satisfy any legal requirement that such communications be in writing.

ALM may interact with law enforcement regarding your use of the Software or Services. You acknowledge and agree that ALM may make your information available to law enforcement.