Terms and Conditions

Dear visitors!

The site centerpointebank.com is designed to connect consumers to large and reputable lenders. Please read these Terms and Conditions carefully before using this website.

General provisions

These Terms and Conditions are an agreement between the Site Owner and the User and regulate the relationship between the Site Owner represented by the Site Administration and Site Users arising in connection with the use of the Site permitted by these Terms and Conditions. By using this Site. the User accepts these Terms and Conditions.

In the event that certain issues are not regulated by these Terms and Conditions or by another agreement of the parties, the law of the USA shall apply to the relations of the parties.

The provisions of these Terms and Conditions are established, changed and canceled by the Site Owner unilaterally without prior notice. From the moment the new version of the Terms and Conditions is posted on the Site, the previous version is considered invalid. In the event of a significant change in the provisions of the Terms and Conditions, the Administration notifies the Users about this by posting a corresponding message on the Site.

The provisions of the current (latest) version of the Terms and Conditions apply to the rights and obligations of the parties arising on the basis of the revision of the Terms and Conditions, which have lost their force unless otherwise established by the Terms and Conditions or follows from the nature of the relations arising between the parties.

Rights and obligations of the Site Owner and Administration

The Owner of the Site is the owner of exclusive rights to use the Site, including its information materials, graphic images that are elements of the user interface, and other protected objects that are part of the Site, as well as site design.

The owner of the Site, represented by the Site Administration, has the exclusive right to carry out the current management of the Site, determine the composition of the Site's services, its structure and appearance, allow and restrict access to the Site, exercise other rights belonging to it;

The Site Owner, represented by the Site Administration, has the exclusive right to resolve issues related to the commercial use of the Site, in particular questions about the possibility of placing advertisements on the Site, participation in affiliate programs, etc.

In case of violation by the User of these Terms and Conditions, the Administration has the right to temporarily suspend or block the User's access to the Site for an indefinite period.

The Administration has the right but is not obliged to, at its discretion, at any time without any prior notice, the moderation of messages, photos and other materials posted by Users on the Site.

The Administration has the right not to deal with the consideration and resolution of disputes and conflict situations arising between the Users, however, it has the right to block the User's access to the Site in case of receiving motivated complaints from other Users about the incorrect behavior of this User on the Site.

The Site Administration has the right to delete any text, photo, comment of the User without prior notice and explanation.

The Administration of the Site has the right to use information about the actions of the User in order to improve the operation of the Site.

The Site Administration is not responsible for monitoring the observance of copyright for intellectual property and is not responsible for violation of them by the Site Users.

The Site Administration undertakes not to disclose the User's contact information to third parties, except as provided for by applicable law and this Agreement.

Rights and obligations of the Site User

The rights and obligations of the User of the Site arise from the moment of his or her first access to any of the web pages that are part of the Site.

Obscene language, incitement to ethnic hatred, personal insults, insults to the Site Administration, intrusive advertising, intrusive campaigning (including calls to vote in various competitions), spam is blocked without prior notice to the User.

The user has the right to leave messages on the Site and participate in existing discussions, use other services of the Site.

The user undertakes to timely monitor any changes to these Terms and Conditions.

Prohibited actions

The user undertakes not to carry out the following actions, hereinafter referred to as prohibited actions:

  1. Use any automatic or automated means to collect information posted on the Site;
  2. Place on the Site any advertising or other information, including images, videos or links to other sites, which is not directly related to the topics of the site and its headings;
  3. Carry out propaganda or agitation inciting social, racial, national or religious hatred and enmity, propaganda of war, social, racial, national, religious or linguistic superiority;
  4. Post on the Site information of limited access (confidential information), if the User is not the owner of this information;
  5. Post on the Site copies of legally protected results of intellectual activity or parts thereof, if the User does not have the appropriate exclusive or non-exclusive rights to use them in such a way;
  6. Post on the Site text messages, graphic images or other materials, the content of which is offensive to other Users or other persons or can be regarded as such, as well as messages, images and other materials that contain threats, calls for violence, committing illegal acts, antisocial, immoral acts, as well as committing any other actions that contradict the foundations of law and order and morality;
  7. Post on the Site messages containing obscene words and expressions, as well as materials of a pornographic nature or hypertext links to Internet sites containing such materials;
  8. Mislead other Users about their identity, deliberately distorting information about themselves or their relationships with other persons and organizations;
  9. Post on the Site text messages, graphics and other materials that contain advertising (without the prior consent of the Administration);
  10. Carry out actions aimed at destabilizing the normal functioning of the Site, attempt to unauthorized access to the management of the Site or its closed sections (sections to which only the Administration is allowed to access), as well as carry out any other actions that may be regarded as a network attack;
  11. Post on the Site any programs, files that contain or may contain viruses or other programs that can disrupt the normal functioning of the Site, the account of any User;
  12. Use the Site for any commercial purposes without the prior permission of Site Owner;
  13. Use the Site for the purposes of searching and recruiting personnel, posting resumes, searching for debtors or other similar purposes.

Other conditions

All Content published on the Site in entries or comments is subject to copyright. All borrowed materials must have an indication of the author's name if it is indicated on the source site.

By posting the Content, the User confirms that this gratuitously grants the Site Owner the right to display, reproduce, modify, store, openly display, adapt, publish, distribute, archive, translate and any other use of the Content or any part of it without limiting the term and territory actions.

Publishing new messages, providing materials for publication on this Site and thus accepting the terms of these Terms and Conditions, the User agrees that: a) When posting Content, the User does not become a co-author of the Site and refuses any claims for such future authorship; b) In case of transfer of any rights to the Content to the Site Owner, the User is deprived of the right to withdraw the work.

By leaving messages on this site, the User thereby agrees to receive system and other notifications from the Site Administration.

Access to the materials of the Site, including the Content, is provided to the User solely for personal use and familiarization. Without the prior written consent of the owners of the respective rights, the User has no right to use, reproduce, distribute in any way, copy, publicly display, broadcast for the public, translate, alter, or use in any other way for any other purpose the materials of the Site.

The Site Administration and the Site Owner do not bear any responsibility for the integrity and safety of the Content posted on the Site.

After the termination of this agreement between the parties, the Site Owner continues to own all the transferred rights to the Content, without any obligation to pay the User for its use.

In the event that the Site Administration or the Site Owner at any time does not require the User to fulfill any conditions of these Terms and Conditions, this does not cancel the right of the Site Administration or the Site Owner to demand such fulfillment later, as well as to take measures aimed at fulfillment by the User of the terms of these Terms and Conditions.

The site provides only a platform for matching with payday lenders and does not make any loan decisions.

Invalidation of one of the terms or conditions of these Terms and Conditions is not a basis for invalidation of any other terms or provisions of the Terms and Conditions.

All arising disputes are resolved by the parties through negotiations, and in case of failure to reach an agreement, all disputes are subject to resolution in accordance with the current US legislation in court in an arbitration court or a court of general jurisdiction.


The services are unavailable to people under the age of 18 or to those who are not citizens/permanent residents of the USA. By using this website, you warrant that you are of legal age and are a citizen/permanent resident of the USA. Keep in mind that payday loans are unavailable in some states. The list of states serviced by centerpointebank.com may change from time to time. Your borrower eligibility is subject to final determination by the lender you got matched with.

Warranties and liability of the parties

The user is fully responsible for the information posted by him. All messages published on the site reflect only the opinions of their authors and may differ from the official position of the Site Administration.

The user guarantees that the posting on the Site of information, copies of legally protected results of intellectual activity or parts thereof, as well as other materials does not violate anyone's rights and legitimate interests.

The Owner of the Site guarantees that the e-mail address specified by the User when publishing messages and when subscribing to the newsletter of new articles of the Site will be used only for communication between the Administration and the User, sending the User notifications and messages to which he or she has subscribed, and will not be passed on to third parties without the prior consent of the User.

The Owner of the Site, represented by the Administration, undertakes to make all reasonable efforts to maintain the Site in a working condition, but does not guarantee the continuous and uninterrupted operation of the Site and is not responsible for ensuring its continuous operation. The site or its services may at one time or another be partially or completely unavailable due to preventive or other work or for any other technical reasons.

The Administration is not responsible for any errors, omissions, interruptions, deletions, defects, delays in processing or transferring data, failure of communication lines, theft, destruction or unauthorized access to User materials posted on the Site or anywhere else. The administration is not responsible for any technical failures or other problems of any telephone networks or services, computer systems, servers or providers, software, failures of e-mail services or scripts for technical reasons.

The Administration is not responsible for any damage to the computer of the User or another person, mobile devices, any other equipment or software caused by or associated with downloading materials from the Site or through links posted on the Site.

The User guarantees that he or she has all the rights and powers necessary to publish the Content.

The User is personally responsible for the Content and all consequences associated with its publication.

For violation of the provisions of these Terms and Conditions, the User's access to the Site or its individual services may be temporarily suspended or blocked for an indefinite period. User access to the Site (its individual services) is restored by the decision of the Administration on the written application of the User.

In the event of damage to third parties, other Users or the Site, the User undertakes to compensate for the damage caused in full and in the amount in accordance with the current legislation of the USA.

The user is responsible and all costs (including reimbursement of losses, damages, fines, legal and other costs and expenses) in the event of any claims by third parties, including but not limited to claims related to the protection of the intellectual rights of third parties, and for any obligations arising from the Site in connection with the requirements of third parties, related or arising as a result of violation by the User of the terms of this Agreement. The user undertakes to take all necessary and possible measures aimed at excluding the Site from the number of respondents.

Except for cases expressly provided for by the legislation of the USA, the Site Owner is not responsible for losses incurred by Users for reasons related to technical failures of hardware or software, as well as for losses resulting from actions of Users that clearly do not comply with the usual rules work with information on the Internet, hardware or software.