Terms of Use

Click on the highlighted text for a plain English explanation of our terms.

You don't need to apply for a loan with us for this contract to apply to you; it applies to everyone who visits our website or in any way uses our services, including our free services.*

*The notes we provided here are to assist in your interpretation of the contract language and are in no way intended to be part of the Terms of Use Agreement or constitute a separate agreement. Please read the Terms of Use Agreement carefully.

You don't have the right to take Sindeo to court under this agreement. If you have a dispute with Sindeo, it must be resolved by a private, neutral third-party of Sindeo's choosing. The third party we have chosen is called JAMS, an organization that employs retired judges and experienced lawyers to resolve disputes much faster and at a lower cost than the courts.*

*The notes we provided here are to assist in your interpretation of the contract language and are in no way intended to be part of the Terms of Use Agreement or constitute a separate agreement. Please read the Terms of Use Agreement carefully.

If you're under the age of 13, suffer from severe mental illness or are otherwise in a condition where it wouldn't be fair to bind you to an agreement, you may not use Sindeo's website or any of its other services.*

*The notes we provided here are to assist in your interpretation of the contract language and are in no way intended to be part of the Terms of Use Agreement or constitute a separate agreement. Please read the Terms of Use Agreement carefully.

The privilege of using Sindeo's website or other services is extended to you and only you and may be revoked by Sindeo at any time, for any reason.*

*The notes we provided here are to assist in your interpretation of the contract language and are in no way intended to be part of the Terms of Use Agreement or constitute a separate agreement. Please read the Terms of Use Agreement carefully.

We use different accounts for different reasons and we might change that at any time.*

*The notes we provided here are to assist in your interpretation of the contract language and are in no way intended to be part of the Terms of Use Agreement or constitute a separate agreement. Please read the Terms of Use Agreement carefully.

If you're opening an account on behalf of your company or some other group, then every use of the word “you” in this agreement applies to whatever company or group you open the account for.*

*The notes we provided here are to assist in your interpretation of the contract language and are in no way intended to be part of the Terms of Use Agreement or constitute a separate agreement. Please read the Terms of Use Agreement carefully.

Only you can use your account and you should keep it secure. Use a strong password and don't share it with anyone. You agree to let us know if you think someone else has gained access to your account.*

*The notes we provided here are to assist in your interpretation of the contract language and are in no way intended to be part of the Terms of Use Agreement or constitute a separate agreement. Please read the Terms of Use Agreement carefully.

By giving us your email address, you agree that we can send you stuff via email, including special offers. You can opt out later if you want, but keep in mind that there are some documents we are required by law to send you and opting out won't stop that.*

*The notes we provided here are to assist in your interpretation of the contract language and are in no way intended to be part of the Terms of Use Agreement or constitute a separate agreement. Please read the Terms of Use Agreement carefully.

Are you a search engine? Because if you are, then you can use software to automatically scan portions of our website, subject to some restrictions.

If you're a human being, then you may not use software or any automated systems to access our website, unless that software works at about the same speed a human being would.*

*The notes we provided here are to assist in your interpretation of the contract language and are in no way intended to be part of the Terms of Use Agreement or constitute a separate agreement. Please read the Terms of Use Agreement carefully.

We can change the services we provide and the terms we provide them under at any time. We can also choose to stop providing services at any time. *

*The notes we provided here are to assist in your interpretation of the contract language and are in no way intended to be part of the Terms of Use Agreement or constitute a separate agreement. Please read the Terms of Use Agreement carefully.

We want you to be nice to each other, and we may monitor any disputes you have with other users. We don't have to monitor or resolve--and we assume no responsibility or liability for--your interactions with other users.*

*The notes we provided here are to assist in your interpretation of the contract language and are in no way intended to be part of the Terms of Use Agreement or constitute a separate agreement. Please read the Terms of Use Agreement carefully.

When you submit anything to us, like your picture or a paragraph about yourself, you retain ownership of that thing. You agree, however, that it might be viewed or edited by other users, to the extent your account settings allow.*

*The notes we provided here are to assist in your interpretation of the contract language and are in no way intended to be part of the Terms of Use Agreement or constitute a separate agreement. Please read the Terms of Use Agreement carefully.

Don't use this service to transmit messages that are rude, illegal or mean.*

*The notes we provided here are to assist in your interpretation of the contract language and are in no way intended to be part of the Terms of Use Agreement or constitute a separate agreement. Please read the Terms of Use Agreement carefully.

In this agreement, any time we say “Intellectual Property” we mean that in the broadest possible sense.*

*The notes we provided here are to assist in your interpretation of the contract language and are in no way intended to be part of the Terms of Use Agreement or constitute a separate agreement. Please read the Terms of Use Agreement carefully.

Information you present to us is true and you have the right to transmit that information to us. If you send us information about another person, you agree that you have permission to transmit that information.*

*The notes we provided here are to assist in your interpretation of the contract language and are in no way intended to be part of the Terms of Use Agreement or constitute a separate agreement. Please read the Terms of Use Agreement carefully.

You and only you are liable for any content you upload while using our services. It's unlikely, but you might encounter content that you find offensive while using our services. You agree that we won't be held liable if that does happen.*

*The notes we provided here are to assist in your interpretation of the contract language and are in no way intended to be part of the Terms of Use Agreement or constitute a separate agreement. Please read the Terms of Use Agreement carefully.

You agree that we can use anything you transmit to us, including your own intellectual property, without paying you any license fee.*

*The notes we provided here are to assist in your interpretation of the contract language and are in no way intended to be part of the Terms of Use Agreement or constitute a separate agreement. Please read the Terms of Use Agreement carefully.

We might provide services to you via a mobile app or website. We can't guarantee that services will be compatible with your device. All the restrictions that apply to any of our other services apply to our mobile offerings, too.*

*The notes we provided here are to assist in your interpretation of the contract language and are in no way intended to be part of the Terms of Use Agreement or constitute a separate agreement. Please read the Terms of Use Agreement carefully.

The content you upload belongs to you but everything else belongs to us.*

*The notes we provided here are to assist in your interpretation of the contract language and are in no way intended to be part of the Terms of Use Agreement or constitute a separate agreement. Please read the Terms of Use Agreement carefully.

There is one exception to the “your stuff belongs to you” rule and that is if you submit an idea or a suggestion to help us improve our service. If you submit an idea or a suggestion, it essentially belongs to us. We can use it or share it with others and we will not pay you to do so.*

*The notes we provided here are to assist in your interpretation of the contract language and are in no way intended to be part of the Terms of Use Agreement or constitute a separate agreement. Please read the Terms of Use Agreement carefully.

Any benefit you get from using our services belongs to Sindeo. That means while your profile is yours to use, it actually belongs to us. Same thing with something like a pre-approval letter: even though it gives you a benefit, the letter would still belong to Sindeo. We reserve the right to alter or delete anything on our servers, even something that benefits you, without compensating you for it.*

*The notes we provided here are to assist in your interpretation of the contract language and are in no way intended to be part of the Terms of Use Agreement or constitute a separate agreement. Please read the Terms of Use Agreement carefully.

We are here to advise you, but you shouldn't consider our advice professional advice like you might receive from your lawyer or your accountant.*

*The notes we provided here are to assist in your interpretation of the contract language and are in no way intended to be part of the Terms of Use Agreement or constitute a separate agreement. Please read the Terms of Use Agreement carefully.

We use industry standard technologies to protect your data.*

*The notes we provided here are to assist in your interpretation of the contract language and are in no way intended to be part of the Terms of Use Agreement or constitute a separate agreement. Please read the Terms of Use Agreement carefully.

We respect copyright law and if you think something on this site infringes your copyright you can follow this process to request its removal.*

*The notes we provided here are to assist in your interpretation of the contract language and are in no way intended to be part of the Terms of Use Agreement or constitute a separate agreement. Please read the Terms of Use Agreement carefully.

You might encounter third-party links while using our service. You agree not to hold us responsible for anything that happens if you click one of those links.*

*The notes we provided here are to assist in your interpretation of the contract language and are in no way intended to be part of the Terms of Use Agreement or constitute a separate agreement. Please read the Terms of Use Agreement carefully.

You use our service at your own risk and agree to not to sue us. You also agree to defend us if we are sued because of your use of our services.*

*The notes we provided here are to assist in your interpretation of the contract language and are in no way intended to be part of the Terms of Use Agreement or constitute a separate agreement. Please read the Terms of Use Agreement carefully.

We are going to do our best, but we can't guarantee anything about your experience using our service.*

*The notes we provided here are to assist in your interpretation of the contract language and are in no way intended to be part of the Terms of Use Agreement or constitute a separate agreement. Please read the Terms of Use Agreement carefully.

We cannot be held liable for anything that happens as a result of you using our service, and, to the extent we can be held liable, we limit the total dollar amount you can recover to $100.00*

*The notes we provided here are to assist in your interpretation of the contract language and are in no way intended to be part of the Terms of Use Agreement or constitute a separate agreement. Please read the Terms of Use Agreement carefully.

This agreement is governed by the laws of California and any disputes will be resolved in California. Any dispute will be settle by arbitration and not in the courts.*

*The notes we provided here are to assist in your interpretation of the contract language and are in no way intended to be part of the Terms of Use Agreement or constitute a separate agreement. Please read the Terms of Use Agreement carefully.

You can't transfer your rights under this agreement to someone else. We might notify you of changes to this agreement via a post to our website, email or other means. This document is our entire agreement and nothing written outside of it is intended to be binding. Just because we don't enforce a right under this agreement doesn't mean we've waived that right or no longer intend for this agreement to govern our relationship.*

*The notes we provided here are to assist in your interpretation of the contract language and are in no way intended to be part of the Terms of Use Agreement or constitute a separate agreement. Please read the Terms of Use Agreement carefully.