Low Credit Score Financing - Bad Credit Loans | TGUC Financial

Terms and Conditions

General
Welcome to the TGUC Financial Inc. (“TGUC Financial,” “we,” “us” or “our”) website (the “Site”). The following are the rules and terms that govern your use of this Site and any use you make of this Site. TGUC Financial reserves the right to modify these terms of use at any time, effective immediately upon reposting of the revised terms on this Site.

Permitted Use
You agree that you are authorized to use and view this Site for your personal non-commercial use and that you will not duplicate, download, publish, modify, or otherwise distribute any material on this Site for any purpose other than for personal use unless authorized in advance and in writing by TGUC Financial. You also agree not to deep-link to any page on this Site for any purpose, unless you have TGUC Financial’s prior written approval, and agree that all of the content and software on this Site is property of TGUC Financial and protected by U.S. and other countries’ laws.

Disclaimer of Warranties and Limitation of Liability
YOUR USE OF THIS SITE IS AT YOUR OWN RISK AND THIS SITE IS PRESENTED “AS IS.” ACCORDINGLY, TGUC Financial DISCLAIMS ALL WARRANTIES AND CONDITIONS WITH REGARD TO ANY INFORMATION ON THE SITE, INCLUDING ALL WARRANTIES AND CONDITIONS OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE AND NON-INFRINGEMENT. IN NO EVENT SHALL TGUC Financial NOR ANY OF ITS AFFILIATES BE LIABLE FOR ANY SPECIAL, INDIRECT OR CONSEQUENTIAL DAMAGES OR ANY DAMAGES WHATSOEVER RESULTING FROM LOSS OF USE, DATA OR PROFIT, WHETHER SUCH ACTION ARISES OUT OF CONTRACT, NEGLIGENCE OR TORT, ARISING OUT OF OR IN CONNECTION WITH THE USE OF THIS SITE OR ANY INFORMATION ON THIS SITE (INCLUDING ERRORS OR OMISSIONS IN THE CONTENT ON THIS SITE). CERTAIN STATE LAWS DO NOT ALLOW LIMITATIONS ON IMPLIED WARRANTIES OR THE EXCLUSION OR LIMITATION OF CERTAIN DAMAGES. IF THESE LAWS APPLY TO YOU, SOME OR ALL OF THE ABOVE DISCLAIMERS, EXCLUSIONS, OR LIMITATIONS MAY NOT APPLY TO YOU, AND YOU MIGHT HAVE ADDITIONAL RIGHTS.

Copyrights
All copyrighted and copyrightable materials on this Site, including, without limitation, the design, text, graphics, pictures, sound files and other files (the “Materials”) are copyrighted and all rights are reserved Copyright ©2021 TGUC Financial. Except as stated herein, none of the Materials may be copied, reproduced, distributed, republished, downloaded, displayed, posted or transmitted in any form or by any means, including, but not limited to, electronic, mechanical, photocopying, recording or otherwise, without the prior written permission of TGUC Financial. Permission is granted to display, copy, distribute and download the materials on this Site for personal, non-commercial and informational use only; provided that, you may not, without the prior written permission of TGUC Financial (a) copy, publish or post any Materials on any computer network, broadcast or publication, (b) modify the Materials or (c) remove or alter any copyright or other proprietary notices contained in the Materials. Any other trademarks, product names and company names or logos within this Site are the property of their respective owners, and may not be copied, distributed, republished, downloaded, displayed, posted or transmitted without the prior written permission of their respective owners.

Trademarks
TGUC Financial and www.tgucfinancial.com are among the trademarks, service marks or registered trademarks owned or exclusively licensed by TGUC Financial. These marks may not be copied, imitated or used, without the prior written permission of TGUC Financial. In addition, all page headers, custom graphics, button icons and scripts are service marks, trademarks and/or trade dress owned or controlled by TGUC Financial and may not be copied, imitated or used, without the prior written permission of TGUC Financial.

Site Policies, Modification, and Severability
Please review our other policies, such as our privacy statement, posted on this Site. These policies also govern your visit to www.tgucfinancial.com. We reserve the right to make changes to our site, policies, and these Terms of Use at any time. If any of these conditions shall be deemed invalid, void, or for any reason unenforceable, that condition shall be deemed severable and shall not affect the validity and enforceability of any remaining condition.

Disputes
By your use of this Site, you agree that any dispute will be governed by the laws of the State of Colorado without regard to its conflict of law provisions. You agree to personal jurisdiction by and venue in the federal and state courts of the City of Denver.

Links to Other Websites and Services
This Site contains links to third party website information, services, and resources. TGUC Financial does not develop or manage the content found on these sites. Any concerns regarding any such information, service, or resource, or any policy of such site, should be directed to the particular third party.

Communications
You agree that TGUC Financial may send electronic mail to you for the purpose of informing you of upcoming events or other offers, notifying you of significant Site changes, or other purposes we deem appropriate.

CONSENT FOR ELECTRONIC SIGNATURES, RECORDS, AND DISCLOSURES (“E-Consent”)

Please read this information carefully and print a copy and/or retain this information for future reference.

Introduction. You are submitting a request for a loan from us. In order to offer you a loan, we need your consent to use and accept electronic signatures, records, and disclosures (“E-Consent”). This form notifies you of your rights when receiving electronic disclosures, notices, and information. By clicking on the link assenting to our terms, you acknowledge that you received this E-Consent and that you consent to conduct transactions using electronic signatures, electronic disclosures, electronic records, and electronic contract documents (“Disclosures”).

Option for Paper or Non-Electronic Records. You may request any Disclosures in paper copy by contacting us at [email protected] We will provide paper copies at no charge. We will retain all Disclosures as applicable law requires.

Scope of Consent. This E-Consent applies to all interactions online concerning you and us and includes those interactions engaged in on any mobile device, including phones, smart-phones, and tablets. By exercising this E-Consent, we may process your information and interact during all online interactions with you electronically. We may also send you notices electronically related to our interactions and transactions. Disclosures may be provided online at our website and may be provided by e-mail.

Consenting to Do Business Electronically. Before you decide to do business electronically with us, you should consider whether you have the required hardware and software capabilities described below.

Hardware and Software Requirements. To access and retain Disclosures, you must have:

  • A computer or mobile device with Internet or mobile connectivity.

For website-based Disclosures, a current web browser that includes 128-bit encryption. Minimum recommended browser standards are Microsoft Internet Explorer version 8.0 and above (see www.microsoft.com/ie for current version), Mozilla Firefox current version (see www.mozilla.com for current version), Apple Safari current version (see www.apple.com/safari for current version), or Chrome current version (see www.google.com/chrome for current version). The browser must have cookies enabled.

  • Access to the email address used to create an account for TGUC Financial.
  • Sufficient storage space to save Disclosures and/or a printer to print them.

If you use a spam filter or similar software that blocks or re-routes emails from untrusted senders, we recommend that you add TGUC Financial to your email address book to ensure you receive Disclosures by email.

Withdrawing Consent. You may withdraw this E-Consent by contacting us at [email protected] However, if you withdraw this E-Consent before receiving credit, you may be prevented from obtaining credit from us. If you decide to withdraw this E-Consent, the legal effectiveness, validity, and enforceability of prior electronic Disclosures will not be affected.

Change to Your Contact Information. You should keep us informed of any change in your electronic address or mailing address. You may update such information by emailing us at [email protected], logging into our website or by sending us a written update by mail at P.O. Box 100071, Denver, CO 80250.

YOUR ABILITY TO ACCESS DISCLOSURES. BY CLICKING THE LINK, YOU ACKNOWLEDGE THAT YOU CAN ACCESS THE DISCLOSURES IN THE DESIGNATED FORMATS DESCRIBED ABOVE.

CONSENT. BY CLICKING THE LINK, YOU ASSENT TO THE TERMS. YOU ACKNOWLEDGE YOU HAVE READ THIS INFORMATION ABOUT ELECTRONIC SIGNATURES, RECORDS, DISCLOSURES, AND DOING BUSINESS ELECTRONICALLY. YOU CONSENT TO USING ELECTRONIC SIGNATURES, HAVING ALL DISCLOSURES PROVIDED OR MADE AVAILABLE TO YOU IN ELECTRONIC FORM AND TO DOING BUSINESS WITH US ELECTRONICALLY. YOU ACKNOWLEDGE THAT YOU MAY REQUEST A PAPER COPY OF THE ELECTRONIC RECORDS AND DISCLOSURES, WHICH WILL BE PROVIDED TO YOU AT NO CHARGE. IF YOU REFRAIN FROM PROCEEDING THEN YOU NEITHER WISH TO USE ELECTRONIC SIGNATURES NOR CONDUCT THIS TRANSACTION ELECTRONICALLY. YOU ALSO ACKNOWLEDGE THAT YOUR CONSENT TO ELECTRONIC DISCLOSURES IS REQUIRED TO RECEIVE SERVICES FROM US OVER THE INTERNET.

Written Instructions to Obtain Consumer Report 

You understand that by accepting the “Terms of Use” and clicking the “I Agree / Submit” button in the inquiry, you are providing written instructions to TGUC Financial under the Fair Credit Reporting Act to obtain information from your personal credit profile or other information from Experian and/or TransUnion and/or Equifax.

CONSENT TO CONTACT BY TELEPHONE AND EMAIL

By voluntarily providing TGUC Financial with your phone number, you expressly authorize TGUC Financial to communicate with you through live telephone call or message regarding your inquiry at the phone number(s) (including mobile device numbers) you provide or associate with your account and/or loan, including, but not limited to calling or texting via an automated dialing service, leaving a voice message (including a prerecorded or artificial message sent via an automated dialing device), and sending an email or other electronic message to you for any purpose related to your use of this website, or an application started on this website, even if you will be charged by your mobile service provider and even if you have opted into the national Do Not Call List, any state equivalent Do Not Call List or the internal Do Not Call List of any company. You can opt out of various contact methods by notifying us at [email protected]