Rated 4.9 by 10,000+ Debt-Free Customers
Get approved for a debt consolidation loan up to $150,000 at
the lowest interest rate & enjoy financial freedom.
Debt Consolidation Loans Funded Since 2020
182 Loans Already Approved Today
Get Pre-Approved In MinutesWe Keep All Your Information 100% secure & confidential
Based on 1248 Reviews
Based on 1895 Reviews
Bases on 2548 Reviews
Since 2020, we've been building the most transparent debt consolidator in the the USA.
We have saved 1000's of families from the financial burden of heavy credit card debt.
Debt Consolidation Loans Funded Since 2020
How It Works
Tell us about yourself and how much unsecured credit card debt youwant to erase.
Compare the lowest rates, favorable terms, and minimum payments in the industry.
Get all your debt consolidated at 5.99% fixed APR.
182 Loans Already Approved Today
Get Pre-Approved In MinutesWe Keep All Your Information 100% secure & confidential
Why consolidate debt?
When you consolidate your debt, you are combining all of your existing unsecured debt into a single
installment loan. Remove the headaches of paying multiple cards every month.
Consolidating into one affordable monthly payment.
A lower fixed-interest rate WILL reduce the total interest you pay while getting you out of debt the fraction of the time.
With an affordable fixed rate, your monthly payment never increases. Talk about simple!
182 Loans Already Approved Today
Get Pre-Approved In MinutesWe Keep All Your Information 100% secure & confidential
Consolidate & Save
Consolidating your credit card debt with a personal loan can help you save in the long run. Enter
your credit card debt amount and see how much you can save.
How much credit card
debt do you owe?
$30,000
$20,000
$150,000+
Your Potential Yearly Savings
$8,100
182 Loans Already Approved Today
Get Pre-Approved In MinutesWe Keep All Your Information 100% secure & confidential
Testimonials
Based on 1248 Reviews
Based on 1895 Reviews
Based on 2548 Reviews
Quick Approval
Consolidated $28,450
I applied and was approved in literally 1 day. Quick, simple and easy. Would recommend to others.
Cathy M. Verified User
Wipe out my credit card debt
Consolidated $32,000
Simple Path Financial helped my wife and I get out of or wedding debt fast. They got me the financing I needed to wipe out my credit card debt.
Jake P. Verified User
Great
Consolidated $41,000
It really was fast & easy! Simple Path Financial is great!
Judith M. Verified User
182 Loans Already Approved Today
Get Pre-Approved In MinutesWe Keep All Your Information 100% secure & confidential
We take your data security very seriously. Rest assured knowing Simple Path Financial protects your data with advanced encryption.
Why Simple Path Financial
Simple Path Financial is free to use for anyone with over $15,000 in credit card debt.
We set you up with our best consolidation partners in minutes.
Checking your rates does not affect your credit score at all.
Credit card consolidations ranging from $15,000 to $150,000
We protect your data with advanced end to end encryption.
182 Loans Already Approved Today
Get Pre-Approved In MinutesWe Keep All Your Information 100% secure & confidential
With Simple Path Financial, you can transparently compare your options and choose the best one, without any pressure.
Questions
Debt consolidation is the process of combining your existing high-interest debt, like credit cards, into one manageable personal loan with a fixed monthly installment payment. Instead of making multiple payments each month to various creditors, you make just one payment at a lower overall interest rate, which reduces your monthly payment obligation and simplifies your bill-paying process.
Each lender has their own set requirements to qualify for a debt consolidation loan. But what they typically look for borrowers who are U.S. citizens or permanent residents that are 18 or older, have a valid Social Security number, have a steady income, and those who have a good credit history.
Based on the information you submit via the Horizons Lending site, the lenders in our network will evaluate your request and pre-qualify you for the products or services you’ve requested.
After submitting your application, you will get a response quickly - usually within seconds.
Horizons Lending's data driven screening allows you to check what rates and terms you prequalify for with leading lenders by completing one short form. There are no strings attached and it won't hurt your credit score.
182 Loans Already Approved Today
Get Pre-Approved In MinutesWe Keep All Your Information 100% secure & confidential
Privacy Policy | Terms & Conditions | Contact
*Simple Path Financial is not responsible for third party products, services, sites, recommendations, endorsements, reviews, etc. The use of trademarks does not signify or suggest the endorsement, affiliation, or sponsorship, of or by Simple Path Financial of those trademark owners or their sites, products or services, or they of us or ours. HorizonsLending.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website.
The operator of this website is not a lender, does not broker loans to lenders and does not make loans or credit decisions. This website does not constitute an offer or solicitation to lend. This website will submit the information you provide to a lender. Providing your information on this website does not guarantee that you will be approved for a loan. The operator of this website is not an agent, representative or broker of any lender and does not endorse or charge you for any service or product. Simple Path Financial or its affiliates may call you or send you SMS text messages as part of our/their service offering. The phone number or other service belonging to the called/messaged person(s) could incur charges for such contact. REPLY "HELP" FOR HELP, REPLY "STOP" TO CANCEL. By using this site you agree to the Terms & Conditions and Privacy Policy.
**The Annual Percentage Rates (APR), interest rates, loan types, loan terms, loan amounts, origination fees and other terms provided in this website are estimated based on information you provided, data offered by partners, and publicly available information. All information is presented without warranty, and the estimated APR, terms and other features are not binding in any way. Lenders offer a range of APRs and loan programs depending on your credit history, income, and other factors. Only borrowers with excellent credit qualify for the lowest rates. Your actual APR will depend on your credit score, loan amount, term, income, and credit history. All loans must be reviewed and approved by the lenders. All loan terms, rates, and other features are subject to change.
† To check the rates and terms you qualify for, one or more soft credit pulls may be done by Simple Path Financial, and/or Simple Path Financial's lending partners, that will not affect your credit score. However, if you choose to continue your application at a lending partners' website or by phone, they will request your full credit report from one or more consumer reporting agencies, which is considered a hard credit pull and may affect your credit.
© Simple Path Financial. All rights reserved.
Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do.
The types of personal information we collect and share depend on the product or service you have with us. This information can include:
All financial companies need to share Customers' personal information to run their everyday business. In the section below, we list the reasons financial companies can share their Customers' personal information; the reasons Simple Path Financial chooses to share; and whether you can limit this sharing.
Reasons we can share your personal information |
Does Simple Path Financial Share? |
Can you limit this sharing? |
---|---|---|
For our everyday business purposes— |
Yes |
No |
For our marketing purposes— |
Yes |
No |
For joint marketing with other financial companies |
Yes |
No |
For our affiliates' everyday business purposes— |
Yes |
Yes |
For our affiliates' everyday business purposes— |
Yes |
Yes |
For our affiliates to market to you |
Yes |
Yes |
For nonaffiliates to market to you |
Yes |
Yes |
Call (000)-000-0000. Our menu will prompt you through your choice(s) or
Email us: support@trysimplepath.com
Please note:
If you are a new customer, we can begin sharing your information 30 days from the date we sent this notice. When you are no longer our customer, we continue to share your information as described in this notice.
However, you can contact us at any time to limit our sharing.
Call (000)-000-0000 or
Email us: support@trysimplepath.com
Simple Path Financial
To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings.
We collect your personal information, for example, when you:
Open an account
Provide income information
Provide account information
Provide employment information
Give us your contact information
We also collect your personal information from others, such as credit bureaus, affiliates or other companies.
Federal law gives you the right to limit only:
Sharing for affiliates' everyday business purposes—information about your creditworthiness
affiliates from using your information to market to you
sharing for nonaffiliates to market to you
State laws and individual companies may give you additional rights to limit sharing.
Simple Path Financial will limit sharing for joint account holders
Companies related by common ownership or control. They can be financial and nonfinancial companies.
Companies not related by common ownership or control. They can be financial and nonfinancial companies.
Nonaffiliates we can share with include direct marketing companies, service providers, insurance companies and broker/dealers.
A formal agreement between nonaffiliated financial companies that together market financial products or services to you.
Simple Path Financial joint marketing partners include Financial Institutions, Lead Generators, and Marketing and Sales organizations.
See below for specific state information
For California Residents
In accordance with California law, we will not share information we collect about you with nonaffiliates, except as allowed by law. For example, we may share information with your consent or to service your accounts. See below for your right to limit our sharing among our affiliates and with non-affiliated third parties.
For Nevada Residents
We are providing you this notice pursuant to state law. You may be placed on our internal “do not call” list by calling (000)-000-0000. Nevada law requires that we also provide you with the following contact information: Bureau of Consumer Protection, Office of the Nevada Attorney General, 555 E. Washington St. – Suite 3900, Las Vegas, NV
89101; 702- 486-3132 – BCPINFO@ag.state.nv.us.
For Vermont Residents
In accordance with Vermont law, we will not share information we collect about Vermont residents with companies who are not affiliates, except as permitted by law, such as with your consent or to service your accounts. We will not share information about your creditworthiness with our affiliates without your authorization or consent but we may share information about our transactions or experiences with you with our affiliates without your consent.
Additional Rights for California Residents – Important Privacy Choices for Consumers
You have the right to control whether we share some of your personal information. Please read the following information carefully before you make your choices below.
1. Your Rights
You have the following rights to restrict the sharing of personal and financial information with our affiliates (companies we own or control) and outside companies that we do business with. Nothing in this form prohibits the sharing of information necessary for us to follow the law, as permitted by law, or to give you the best service on your accounts with us. This includes sending you information about some other products or services.
2. Your Choices
Restrict Information Sharing With Companies We Own or Control (Affiliates): Unless you say “No,” we may share personal and financial information about you with our affiliated companies.
Restrict Information Sharing With Other Companies We Do Business With To Provide Financial Products And Services: Unless you say “No,” we may share personal and financial information about you with outside companies we contract with to provide financial products and services to you.
3. Time Sensitive Reply
You may make your privacy choice(s) at any time. Your choice(s) will remain unless you state otherwise. However, if we do not hear from you we may share some of your information with affiliated companies and other companies with whom we have contracts to provide products and services. To exercise your choices do one of the following:
Option 1:
Reply electronically by contacting us through the Internet at support@trysimplepath.com
Option 2:
Call this toll-free number: (000)-000-0000
Simple Path Financial Services. Website Terms of Use
Last updated: June 10, 2024
These Website Terms of Use (including any document incorporated reference herein) for the
Simple Path Financial Services. Website Terms of Use
These Website Terms of Use (including any document incorporated reference herein) for the Simple Path Financial Services and any and all of its subsidiaries and affiliates websites and covers all aspects of your use of the websites and, to the extent not superseded by the terms and conditions of any contract we may sign with you, of any product or service that we may supply to you.
PLEASE READ THESE TERMS OF USE CAREFULLY. BY REGISTERING FOR, ACCESSING, BROWSING OR OTHERWISE USING THE WEBSITES YOU ACKNOWLEDGE THAT YOU HAVE READ, UNDERSTOOD AND AGREE TO BE BOUND BY THESE TERMS OF USE. IF AT ANY TIME YOU DISAGREE WITH ANY OF THESE TERMS AND CONDITIONS, YOU SHOULD IMMEDIATELY CEASE YOUR USE OF THE WEBSITES.
The products and services offered through the websites are not available to persons under the age of 18 or to persons who are not legal residents of the United States, by visa or otherwise. BY CLICKING ANY “SUBMIT” OR OTHER BUTTON OR BY ACCESSING, BROWSING OR OTHERWISE USING THE WEBSITES YOU REPRESENT AND WARRANT TO US THAT YOU ARE AT LEAST 18 YEARS OF AGE AND ARE A LEGAL RESIDENT OF THE UNITED STATES.
Some of the products and services offered through the websites may be subject to additional terms and conditions, including those products and services offered by or through third-party providers. To the extent not inconsistent with these Terms of Use, these additional terms and conditions are hereby incorporated herein by reference; however, in the case of any inconsistency between these Terms of Use and any other document that is incorporated by reference herein, these Terms of Use shall control.
Simple Path Financial has made a commitment to protecting the privacy of those who visit our websites and access the products and services available therein. Privacy Policy is hereby incorporated herein by reference.
Certain of the websites function as an online marketplace where visitors can research and submit requests for debt resolution services and research different types of home and consumer loans, as well as other products and services. You understand and agree that if you submit a request for a product or service or for further information relating to a product or service offered through any of the websites, Simple Path Financial will share such of your information as may be required in order to match you with selected providers of the products and/or services that you request.
By submitting your contact information to us, you are expressly consenting to be contacted by us or by one or more providers of products and services by telephone, email or postal mail even if you have opted into the national Do Not Call List administered by the Federal Trade Commission, any state equivalent Do Not Call List or the Do Not Call List of any specific institution.
Subject to your compliance with these Terms of Use,
Simple Path Financial expressly reserves all rights not specifically granted herein, including but not limited to the right to exercise whatever lawful means it deems necessary or appropriate to prevent unauthorized use of the websites.
By using the websites, you hereby grant to a worldwide, non-exclusive, perpetual, irrevocable, transferable, sublicensable (through multiple tiers), assignable, royalty-free license to transfer, display, reproduce, distribute, modify and otherwise use your personal and other information, subject to the restrictions set forth herein (including Privacy Policy).
Simple Path Financial hereby grants you a personal, limited, non-exclusive, non-transferable revocable license to use the websites for purposes of accessing the information and contacting the providers of the products and services contained therein.
By using the websites, you agree not to:
Use the websites for any purpose other than to access the information and contact the providers of the products and services advertised therein; submit, transmit or facilitate the distribution of information or content that is illegal, harmful, abusive, racially or ethnically offensive, vulgar, sexually explicit, defamatory, infringing, invasive of personal privacy or publicity rights, or in a reasonable person’s view, objectionable; attempt to interfere with, compromise the system integrity or security or decipher any transmissions to or from the servers running the websites or bypass the measures we may use to prevent or restrict access to the websites; take any action that imposes, or may impose at our sole discretion an unreasonable or disproportionately large load on our infrastructure; use any robot, spider, scraper or other similar system to access the websites; impersonate another person or otherwise misrepresent your affiliation with a person or entity, conduct fraud, hide or attempt to hide your identity; or submit, upload, post, email, transmit or otherwise make available any information or content that you do not have a right to make available under any law or under contractual or fiduciary relationships.
The websites may include links or references to other web sites owned or operated by third parties with which Simple Path Financial may have a relationship. Simple Path Financial has no control over such third party web sites and, thus, is not responsible for their availability, content or advertising, or any products or services available from such third parties. Your correspondence or business dealings with such third parties are solely between you and such third party. Access and use of such web sites is solely at your own risk.
Your correspondence or business dealings with any third parties, including, but not limited to, business dealings with credit counseling services, debt settlement services, mortgage brokers or lenders, insurance agents or carriers or any other product or service provider are solely between you and such third party. Simple Path Financial is not responsible for any terms, conditions, warranties or representations associated with such dealings or liable for any loss or damage of any sort incurred as the result of such dealings.
By using the websites as directed, you are acknowledging that Simple Path Financial does not make credit decisions in connection with any product or service offered to you, does not recommend, endorse, warrant or guarantee the products or services of any third party and is not party to any discussions that you may have or agreement that you may make with any third party. Simple Path Financial does not charge anyone a fee to use the websites.
TO THE FULLEST EXTENT PERMISSIBLE PURSUANT TO APPLICABLE LAW, Simple Path Financial AND ITS THIRD PARTY SUPPLIERS AND BUSINESS PARTNERS DISCLAIM ALL WARRANTIES, STATUTORY, EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE AND NON-INFRINGEMENT OF PROPRIETARY RIGHTS. NO ADVICE OR INFORMATION, WHETHER ORAL OR WRITTEN, OBTAINED BY YOU FROM Simple Path Financial OR THROUGH THE WEBSITES WILL CREATE ANY WARRANTY NOT EXPRESSLY PROVIDED IN THESE TERMS OF USE.
THE USE OF THE WEBSITES IS AT YOUR SOLE RISK. THE WEBSITES AND ANY DATA, INFORMATION, COMMERCIAL CONTENT, THIRD-PARTY WEB SITES, PRODUCTS OR SERVICES MADE AVAILABLE THROUGH THE WEBSITES ARE PROVIDED ON AN “AS IS” AND “AS AVAILABLE,” “WITH ALL FAULTS” BASIS AND WITHOUT WARRANTIES OR REPRESENTATIONS OF ANY KIND EITHER EXPRESS OR IMPLIED.
NONE OF Simple Path Financial OR ITS THIRD PARTY SUPPLIERS AND BUSINESS PARTNERS WARRANT THAT ANY DATA, INFORMATION, COMMERCIAL CONTENT, THIRD-PARTY WEB SITES, PRODUCTS OR SERVICES OFFERED ON OR THROUGH THE WEBSITES OR ANY THIRD PARTY WEB SITES WILL BE UNINTERRUPTED OR FREE OF ERRORS, VIRUSES OR OTHER HARMFUL COMPONENTS OR THAT ANY OF THE FOREGOING, IF PRESENT, WILL BE CURED OR STOPPED. YOUR USE OF THE WEBSITES OR ANY THIRD PARTY WEB SITES IS AT YOUR OWN RISK AND YOU WILL BE SOLELY RESPONSIBLE FOR ANY DAMAGE TO YOUR PROPERTY (INCLUDING YOUR COMPUTER SYSTEM) OR LOSS OF DATA THAT RESULTS FROM THE USE OF SUCH WEBSITES.
In the event of a dispute between you and Simple Path Financial that arises out of these Terms of Use or any product or service you obtain through the websites (“Claim”), you and Simple Path Financial agree to resolve that Claim in accordance with the procedures set forth below or as we may otherwise agree in writing. Before resorting to these dispute resolution mechanisms, you must first contact us directly to seek a resolution. If, however, we are unable to resolve our differences informally, Simple Path Financial will consider reasonable requests to resolve the dispute through alternative dispute resolution procedures, such as mediation or arbitration, as alternatives to litigation.
For any Claim (excluding claims for injunctive or other equitable relief) where the total amount of the award sought is less than $10,000, either party may elect to resolve the dispute in a cost effective manner through binding non-appearance-based arbitration. In the event a party elects arbitration, they shall initiate such arbitration through an established alternative dispute resolution (“ADR”) provider chosen by the party seeking arbitration. The ADR provider and the parties must comply with the following rules:
14.1 Notice
Simple Path Financial may provide you with notices by e-mail, regular mail or postings on any website. Notice will be deemed given twenty-four hours after e-mail is sent, unless Simple Path Financial is notified that the e-mail address used is invalid. Alternatively, Simple Path Financial may give you legal notice by mail to a postal address, if provided by you through any website. In such case, notice will be deemed given three (3) calendar days after the date of mailing.
All notices to Simple Path Financial must be made in writing and mailed to:
14.2 Waiver and Severability of Terms
The failure of Simple Path Financial to exercise or enforce any right or provision of these Terms of Use shall not constitute a waiver of such right or provision. Any waiver of any provision of these Terms of Use will be effective only if in writing and signed by Simple Path Financial. If any provision of these Terms of Use is found by a court of competent jurisdiction to be invalid, the other provisions of these Terms of Use shall remain in full force and effect and the parties agree that such court should endeavor to give effect to the parties’ intentions.
14.3 Choice of Law; Forum
These Terms of Use shall be governed in all respects by the laws of the State of New York as they apply to agreements entered into and to be performed entirely within New York between New York residents, without regard to conflict of law provisions.
Any claim or dispute you may have against Simple Path Financial must be resolved by a court located in New York County, New York, except as otherwise agreed by the parties or as described in Paragraph 13. You agree to submit to the personal jurisdiction of the courts located within New York, New York for the purpose of litigating all such claims or disputes.
All claims filed or brought contrary to either Section 13 or this Section 14.3 shall be considered improperly filed. Should you file a claim improperly, Simple Path Financial may recover reasonable attorneys’ fees and costs, provided that Simple Path Financial has notified you in writing of the improperly filed claim and you have failed to withdraw the claim promptly.
14.4 Assignment
You may not transfer or assign any of your rights and obligations under these Terms of Use without the express prior written consent of Simple Path Financial, give in its sole discretion. However, you acknowledge and agree that Simple Path Financial may freely and without restriction or limitation assign or transfer any of its rights and obligations under these Terms of Use.
14.5 Entire Agreement
These Terms of Use and any document incorporated by reference herein constitute the entire agreement between you and Simple Path Financial and govern your use of the websites, superseding any prior agreements between you and Simple Path Financial. Notwithstanding the foregoing, you also may be subject to additional terms and conditions that may apply when you use or purchase certain products and/or services provided by Simple Path Financial or one of Simple Path Financial’s third party business partners.
14.6 Survival
The following paragraphs shall survive termination or your refusal to continue to use the Service: 4, 6, 7, 8, 9, 10, 11, 12, 13 and 14.
PLEASE PRINT AND RETAIN A COPY OF THESE TERMS OF USE FOR YOUR RECORDS.
For additional information, Contact us at (000)-000-0000
Carriers are not responsible for delayed or undelivered messages.
. Website Terms of Use
Last updated: June 10, 2024
These Website Terms of Use (including any document incorporated reference herein) for the Simple Path Financial Services, LLC and any and all of its subsidiaries and affiliates (“Simple Path Financial”) websites and covers all aspects of your use of the websites and, to the extent not superseded by the terms and conditions of any contract we may sign with you, of any product or service that we may supply to you.
PLEASE READ THESE TERMS OF USE CAREFULLY. BY REGISTERING FOR, ACCESSING, BROWSING OR OTHERWISE USING THE WEBSITES YOU ACKNOWLEDGE THAT YOU HAVE READ, UNDERSTOOD AND AGREE TO BE BOUND BY THESE TERMS OF USE. IF AT ANY TIME YOU DISAGREE WITH ANY OF THESE TERMS AND CONDITIONS, YOU SHOULD IMMEDIATELY CEASE YOUR USE OF THE WEBSITES.
The products and services offered through the websites are not available to persons under the age of 18 or to persons who are not legal residents of the United States, by visa or otherwise. BY CLICKING ANY “SUBMIT” OR OTHER BUTTON OR BY ACCESSING, BROWSING OR OTHERWISE USING THE WEBSITES YOU REPRESENT AND WARRANT TO US THAT YOU ARE AT LEAST 18 YEARS OF AGE AND ARE A LEGAL RESIDENT OF THE UNITED STATES.
Some of the products and services offered through the websites may be subject to additional terms and conditions, including those products and services offered by or through third-party providers. To the extent not inconsistent with these Terms of Use, these additional terms and conditions are hereby incorporated herein by reference; however, in the case of any inconsistency between these Terms of Use and any other document that is incorporated by reference herein, these Terms of Use shall control.
Simple Path Financial has made a commitment to protecting the privacy of those who visit our websites and access the products and services available therein. Simple Path Financial’s Privacy Policy is hereby incorporated herein by reference.
Certain of the websites function as an online marketplace where visitors can research and submit requests for debt resolution services and research different types of home and consumer loans, as well as other products and services. You understand and agree that if you submit a request for a product or service or for further information relating to a product or service offered through any of the websites, Simple Path Financial will share such of your information as may be required in order to match you with selected providers of the products and/or services that you request.
By submitting your contact information to us, you are expressly consenting to be contacted by us or by one or more providers of products and services by telephone, email or postal mail even if you have opted into the national Do Not Call List administered by the Federal Trade Commission, any state equivalent Do Not Call List or the Do Not Call List of any specific institution.
Subject to your compliance with these Terms of Use, Simple Path Financial hereby grants you a personal, limited, non-exclusive, non-transferable revocable license to use the websites for purposes of accessing the information and contacting the providers of the products and services contained therein.
Simple Path Financial expressly reserves all rights not specifically granted herein, including but not limited to the right to exercise whatever lawful means it deems necessary or appropriate to prevent unauthorized use of the websites.
By using the websites, you hereby grant to Simple Path Financial a worldwide, non-exclusive, perpetual, irrevocable, transferable, sublicensable (through multiple tiers), assignable, royalty-free license to transfer, display, reproduce, distribute, modify and otherwise use your personal and other information, subject to the restrictions set forth herein (including Simple Path Financial’s Privacy Policy).
By using the websites, you agree not to:
Use the websites for any purpose other than to access the information and contact the providers of the products and services advertised therein;
submit, transmit or facilitate the distribution of information or content that is illegal, harmful, abusive, racially or ethnically offensive, vulgar, sexually explicit, defamatory, infringing, invasive of personal privacy or publicity rights, or in a reasonable person’s view, objectionable; attempt to interfere with, compromise the system integrity or security or decipher any transmissions to or from the servers running the websites or bypass the measures we may use to prevent or restrict access to the websites; take any action that imposes, or may impose at our sole discretion an unreasonable or disproportionately large load on our infrastructure;
use any robot, spider, scraper or other similar system to access the websites; impersonate another person or otherwise misrepresent your affiliation with a person or entity, conduct fraud, hide or attempt to hide your identity; or submit, upload, post, email, transmit or otherwise make available any information or content that you do not have a right to make available under any law or under contractual or fiduciary relationships.
The websites may include links or references to other web sites owned or operated by third parties with which Simple Path Financial may have a relationship. Simple Path Financial has no control over such third party web sites and, thus, is not responsible for their availability, content or advertising, or any products or services available from such third parties. Your correspondence or business dealings with such third parties are solely between you and such third party. Access and use of such web sites is solely at your own risk.
Your correspondence or business dealings with any third parties, including, but not limited to, business dealings with credit counseling services, debt settlement services, mortgage brokers or lenders, insurance agents or carriers or any other product or service provider are solely between you and such third party. Simple Path Financial is not responsible for any terms, conditions, warranties or representations associated with such dealings or liable for any loss or damage of any sort incurred as the result of such dealings.
By using the websites as directed, you are acknowledging that Simple Path Financial does not make credit decisions in connection with any product or service offered to you, does not recommend, endorse, warrant or guarantee the products or services of any third party and is not party to any discussions that you may have or agreement that you may make with any third party. Simple Path Financial does not charge anyone a fee to use the websites.
TO THE FULLEST EXTENT PERMISSIBLE PURSUANT TO APPLICABLE LAW, Simple Path Financial AND ITS THIRD PARTY SUPPLIERS AND BUSINESS PARTNERS DISCLAIM ALL WARRANTIES, STATUTORY, EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE AND NON-INFRINGEMENT OF PROPRIETARY RIGHTS. NO ADVICE OR INFORMATION, WHETHER ORAL OR WRITTEN, OBTAINED BY YOU FROM Simple Path Financial OR THROUGH THE WEBSITES WILL CREATE ANY WARRANTY NOT EXPRESSLY PROVIDED IN THESE TERMS OF USE.
THE USE OF THE WEBSITES IS AT YOUR SOLE RISK. THE WEBSITES AND ANY DATA, INFORMATION, COMMERCIAL CONTENT, THIRD-PARTY WEB SITES, PRODUCTS OR SERVICES MADE AVAILABLE THROUGH THE WEBSITES ARE PROVIDED ON AN “AS IS” AND “AS AVAILABLE,” “WITH ALL FAULTS” BASIS AND WITHOUT WARRANTIES OR REPRESENTATIONS OF ANY KIND EITHER EXPRESS OR IMPLIED.
NONE OF Simple Path Financial OR ITS THIRD PARTY SUPPLIERS AND BUSINESS PARTNERS WARRANT THAT ANY DATA, INFORMATION, COMMERCIAL CONTENT, THIRD-PARTY WEB SITES, PRODUCTS OR SERVICES OFFERED ON OR THROUGH THE WEBSITES OR ANY THIRD PARTY WEB SITES WILL BE UNINTERRUPTED OR FREE OF ERRORS, VIRUSES OR OTHER HARMFUL COMPONENTS OR THAT ANY OF THE FOREGOING, IF PRESENT, WILL BE CURED OR STOPPED. YOUR USE OF THE WEBSITES OR ANY THIRD PARTY WEB SITES IS AT YOUR OWN RISK AND YOU WILL BE SOLELY RESPONSIBLE FOR ANY DAMAGE TO YOUR PROPERTY (INCLUDING YOUR COMPUTER SYSTEM) OR LOSS OF DATA THAT RESULTS FROM THE USE OF SUCH WEBSITES.
In the event of a dispute between you and Simple Path Financial that arises out of these Terms of Use or any product or service you obtain through the websites (“Claim”), you and Simple Path Financial agree to resolve that Claim in accordance with the procedures set forth below or as we may otherwise agree in writing. Before resorting to these dispute resolution mechanisms, you must first contact us directly to seek a resolution. If, however, we are unable to resolve our differences informally, Simple Path Financial will consider reasonable requests to resolve the dispute through alternative dispute resolution procedures, such as mediation or arbitration, as alternatives to litigation.
For any Claim (excluding claims for injunctive or other equitable relief) where the total amount of the award sought is less than $10,000, either party may elect to resolve the dispute in a cost effective manner through binding non-appearance-based arbitration. In the event a party elects arbitration, they shall initiate such arbitration through an established alternative dispute resolution (“ADR”) provider chosen by the party seeking arbitration. The ADR provider and the parties must comply with the following rules:
14.1 Notice
Simple Path Financial may provide you with notices by e-mail, regular mail or postings on any website. Notice will be deemed given twenty-four hours after e-mail is sent, unless Simple Path Financial is notified that the e-mail address used is invalid. Alternatively, Simple Path Financial may give you legal notice by mail to a postal address, if provided by you through any website. In such case, notice will be deemed given three (3) calendar days after the date of mailing.
All notices to Simple Path Financial must be made in writing and mailed to:
14.2 Waiver and Severability of Terms
The failure of Simple Path Financial to exercise or enforce any right or provision of these Terms of Use shall not constitute a waiver of such right or provision. Any waiver of any provision of these Terms of Use will be effective only if in writing and signed by Simple Path Financial. If any provision of these Terms of Use is found by a court of competent jurisdiction to be invalid, the other provisions of these Terms of Use shall remain in full force and effect and the parties agree that such court should endeavor to give effect to the parties’ intentions.
14.3 Choice of Law; Forum
These Terms of Use shall be governed in all respects by the laws of the State of New York as they apply to agreements entered into and to be performed entirely within New York between New York residents, without regard to conflict of law provisions.
Any claim or dispute you may have against Simple Path Financial must be resolved by a court located in New York County, New York, except as otherwise agreed by the parties or as described in Paragraph 13. You agree to submit to the personal jurisdiction of the courts located within New York County, New York for the purpose of litigating all such claims or disputes.
All claims filed or brought contrary to either Section 13 or this Section 14.3 shall be considered improperly filed. Should you file a claim improperly, Simple Path Financial may recover reasonable attorneys’ fees and costs, provided that Simple Path Financial has notified you in writing of the improperly filed claim and you have failed to withdraw the claim promptly.
14.4 Assignment
You may not transfer or assign any of your rights and obligations under these Terms of Use without the express prior written consent of Simple Path Financial, give in its sole discretion. However, you acknowledge and agree that Simple Path Financial may freely and without restriction or limitation assign or transfer any of its rights and obligations under these Terms of Use.
14.5 Entire Agreement
These Terms of Use and any document incorporated by reference herein constitute the entire agreement between you and Simple Path Financial and govern your use of the websites, superseding any prior agreements between you and Simple Path Financial. Notwithstanding the foregoing, you also may be subject to additional terms and conditions that may apply when you use or purchase certain products and/or services provided by Simple Path Financial or one of Simple Path Financial’s third party business partners.
14.6 Survival
The following paragraphs shall survive termination or your refusal to continue to use the Service: 4, 6, 7, 8, 9, 10, 11, 12, 13 and 14.
PLEASE PRINT AND RETAIN A COPY OF THESE TERMS OF USE FOR YOUR RECORDS.
Contact us at 800-998-0304 or support@brightpathfs.com.
115 West 27th Street, 7th Floor
New York, NY 10001