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Terms of Use

This Terms Of Use Agreement (this “Agreement”) governs your use of the Global Equity Finance, Inc. (“GEQ”) website (the “Site”). This Agreement should be read carefully before accessing or using this Site.

 

By accessing or using this Site, you agree to be bound by this Agreement and, If you do not consent to these terms, please do not utilize the Site or the materials contained therein. GEQ provides the information and services on this Site to you, the user, conditioned on your acceptance without modification of the terms, conditions and notices contained herein. Your use of this Site constitutes your agreement to all such terms, conditions and notices. IF YOU DO NOT WISH TO BE BOUND BY THESE TERMS, YOU MAY NOT ACCESS OR USE THIS SITE.

 

This Site is for general informational purposes. It is not a substitute for actual legal, investment or professional advice from a licensed competent individual in their field of expertise. The information and services offered on this Site is provided with the understanding that GEQ is not engaged in rendering legal, tax or other professional services or advice. Your use of the Site is subject to the additional disclaimers and caveats that may appear throughout the Site. This website is applicable to and should only be used by persons 18 years of age or older. Access and use of this website by persons under the age of 18 is prohibited. This Site is intended to be accessed by persons located within the United States of America. Access and use of this Site by persons from locations other than the United States is prohibited.

 

GEQ and its agents assume no responsibility for any consequences relating directly or indirectly to any action or inaction that you take based on the information, services or other material on this Site. GEQ strives to keep the information on this Site accurate, complete and up-to-date yet does not guarantee, represent or warrant that it is accurate, the most recent information available, nor do we guarantee that all opinions expressed or implied are accurate or reliable. The law and the application of the borrower’s situation is unique to every situation, and your situation needs to be individually analyzed. GEQ and its suppliers cannot guarantee, and will not be responsible for, any damage or losses arising from or related to the accuracy, completeness or timeliness of the information presented or its application in your situation.

Personal and noncommercial use limitation

You may access, download and print materials on this Site solely for your personal and non-commercial use.

no unlawful or prohibited use

As a condition of your use of this Site, you warrant to GEQ, that you will not use this Site for any purpose that is unlawful or prohibited by this Agreement. If you violate any of the terms of this Agreement, your permission to use the Site automatically terminates.

Prohibited uses

Except as set forth herein, you are not authorized to modify, copy, distribute, transmit, display, perform, reproduce, publish, license, create derivative works from, use on any other web site, transfer or sell any information, software, lists of users, databases or other lists, products or services obtained from this Site. If and when requested by GEQ, you agree to provide true, accurate and complete user information and to refrain from impersonating or falsely representing your affiliation with any person or entity. Except with the written permission of GEQ, you agree to refrain from accessing or attempting to access password protected, secure or non-public areas of this Site. Unauthorized individuals attempting to access prohibited areas of this Site will be held accountable and may be subject to prosecution as determined by appropriate law enforcement agencies.

 

You agree that you will not use any robot, spider, other automatic device, or manual process to monitor or copy our web pages or the content contained on the Site without GEQ’s prior expressed written permission. You agree that you will not use any device, software or routine to interfere or attempt to interfere with the proper working of the Site or any transaction being conducted on our Site.

 

You agree that GEQ may terminate your password, account, or use of the Site in GEQ’s sole discretion for any reason. All notices you give to us shall be in writing and shall be made either via e-mail or conventional mail. In addition, GEQ may post notices or links to notices through the Site to inform you of changes to the applicable terms of use, the Site, or other matters of importance.

Proprietary Rights

All materials on this Site, as well as visual appearance, content structure, layout and structure are owned and/or licensed by GEQ. No unauthorized reproduction, distribution, or transmission of the materials at this Site is permitted without the written permission of GEQ. All rights reserved.

 

THE CONTENTS OF THIS SITE, INCLUDING ITS “LOOK AND FEEL” (E.G., TEXT, GRAPHICS, IMAGES, LOGOS, AND BUTTON ICONS), EDITORIAL CONTENT, NOTICES, SOFTWARE (INCLUDING HTML-BASED COMPUTER PROGRAMS), AND OTHER MATERIAL ARE PROTECTED UNDER BOTH UNITED STATES AND FOREIGN COPYRIGHT, PATENT, TRADEMARK, AND OTHER LAWS. The contents belong to GEQ or to others as indicated. The information and materials contained in the Site may not be copied, displayed, distributed, downloaded, licensed, modified, published, reposted, reproduced, reused, sold, supplemented, transmitted, used to create a derivative work or otherwise used for public or commercial purposes without the express written permission of GEQ. Your right to use the Site is personal to you. You agree not to reproduce, duplicate, copy, sell, resell, use or exploit for any commercial purposes, the Site or use of or access to the Site or any information or technology obtained from the Site.

Link to third party sites
During your use of this Site or at any time in the process, you may be led to other web sites operated by unaffiliated third parties. Inclusion of hyperlinks by GEQ on the Site to such third party web sites does not imply any endorsement of the material on such web sites or any association with their operators, and your access and use such sites, including information, material, products and services therein, solely at your own risk. GEQ is not responsible for the quality or results or any product or service provided by these companies. As with all websites and all services, you should review their products and services carefully. Never give private information to any party or website or person that you have not completely investigated and established credibility. GEQ is not responsible for the use of the information that you give any third parties.
liability disclaimer

You agree that all access and use of the Site and its contents is at your own risk. By using the Site, you acknowledge that GEQ specifically disclaims any liability (whether based in contract, tort, negligence, strict liability or otherwise) for any direct, indirect, incidental, common law, statutory, regulatory, consequential, compensatory, punitive, or special damages arising out of or in any way connected with your access to or use of the Site (even if we have been advised of the possibility of such damages) including, but not limited to, any liability associated with any viruses which may infect your computer equipment. Calculators and tools on the Site provide you with ESTIMATES that may be different than actual amounts.

 

THE INFORMATION, SOFTWARE, PRODUCTS, AND SERVICES PUBLISHED ON THIS SITE MAY INCLUDE INACCURACIES OR TYPOGRAPHICAL ERRORS. CHANGES ARE PERIODICALLY ADDED TO THE INFORMATION HEREIN. GEQ, ITS AFFILIATES AND/OR ITS RESPECTIVE SUPPLIERS MAY WITHOUT PRIOR NOTICE MAKE IMPROVEMENTS AND/OR CHANGES IN THIS SITE INCLUDING BUT NOT LIMITED TO THE INFORMATION, SERVICES, PRODUCTS OR OTHER MATERIAL AT ANY TIME. ALL INFORMATION, PRODUCTS, AND SERVICES ARE PROVIDED “AS IS” AND ON AN “AS AVAILABLE” BASIS WITHOUT WARRANTY OF ANY KIND. IN NO EVENT SHALL GEQ, ITS AFFILIATES AND/OR ITS SUPPLIERS BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL OR CONSEQUENTIAL DAMAGES ARISING OUT OF OR IN ANY WAY CONNECTED WITH THE USE OF THIS SITE OR WITH THE DELAY OR INABILITY TO USE THIS SITE, OR FOR ANY INFORMATION, PRODUCTS, MATERIAL AND/OR SERVICES OBTAINED THROUGH THIS SITE, OR OTHERWISE ARISING OUT OF THE USE OF THIS SITE, WHETHER BASED ON CONTRACT, TORT, STRICT LIABILITY OR OTHERWISE, EVEN IF GEQ, ITS AFFILIATES OR ANY OF ITS SUPPLIERS HAS BEEN ADVISED OF THE POSSIBILITY OF DAMAGES. BECAUSE SOME STATES/JURISDICTIONS DO NOT ALLOW THE EXCLUSION OR LIMITATION OF LIABILITY FOR CONSEQUENTIAL OR INCIDENTAL DAMAGES, THE ABOVE LIMITATION MAY NOT APPLY TO YOU. IF THESE LIMITATIONS OR EXCLUSIONS ARE HELD TO BE INVALID OR UNENFORCEABLE FOR ANY REASON, THE MAXIMUM COLLECTIVE LIABILITY OF GEQ, ITS OFFICERS, DIRECTORS, EMPLOYEES, AND AGENTS, IF ANY, FOR LOSSES OR DAMAGES SHALL NOT EXCEED $500.

Access:changes to agreement
GEQ reserves the right to modify or discontinue, temporarily or permanently, the Site for any reason, at its sole discretion, with or without notice to you. Likewise, GEQ may modify this Agreement at any time, and such modifications shall be effective immediately upon posting of the modified Agreement. Accordingly, you agree to review the legal terms and conditions that govern your use of the Site periodically, and your continued access or use of this Site shall be deemed your acceptance of the modified Agreement.
Miscellaneous

This Agreement and the resolution of any dispute related to this Agreement or this Site shall be governed by and construed in accordance with the laws of California without giving effect to any principles of conflicts of law. Failure by GEQ, to insist upon strict enforcement of any provision of this Agreement shall not be construed as a waiver of any provision or right. You agree that regardless of any statute or law to the contrary, any claim or cause of action arising out of or related to use of this Site or this Agreement must be filed within one (1) year after such claim or cause of action arose or be forever barred. Any legal action or proceeding between GEQ and you related to this Agreement shall be brought exclusively in federal district court.

 

GEQ logos, product and service names are trademarks / service marks owned by GEQ, (the “Marks”). You agree not to display or use the Marks in any manner without the prior written permission of GEQ.

Indemnification
You agree to indemnify, defend and hold harmless GEQ, its affiliates and suppliers from any liability, loss, claim and expense (including attorney’s reasonable fees) arising from or related to your violation of this Agreement.
Identity Verification

To help the government fight funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. Consequenlty, we must ask for your name, street address, mailing address, date of birth, and other information that will allow us to identify you.

privacy policy

Global Equity Finance, Inc. (“GEQ”, “us”, “we”, or “our”) are committed to maintaining the confidentiality of your private information. Please read below and learn how we collect, protect, and use your information as part of our technology platforms, and all of our products and services.

This privacy policy applies to this site www.geqfinance.com and all websites owned and operated by GEQ on which this privacy policy is displayed (such websites referred to hereafter as the “Site”, whether individually or collectively).

  • Information We Collect.
    • Personally Identifiable Information: We collect personally identifiable information that can identify you such as your name, address, telephone number, mobile number, email address, and Social Security Number (collectively, “Personally Identifiable Information” or “PII”). PII could also be information you provide on others, such as co-borrowers.
    • Non-Personally Identifiable Information: We may also collect information such as demographic data, data about your online activity, and other information which could not be used to identify you (collectively, “Non-Personally Identifiable Information” or “NPII”).
    • Information: PII and NPII are known together as “Information”.
  • How We Collect Information
    • Information provided by you: Information is collected from you when you enter information in connection with an inquiry into our services. This Information could be provided via an online form, over the phone, or via other means in which you interact with our services.
    • Information from service providers: Information is collected from third party service providers, such as credit bureaus and service providers who may have data on your financial profile, home, or other demographic information.
    • Information from cookies and other tracking technologies: Like many websites, we use cookies, web beacons, and similar technologies to record your preferences, track the use of our Site and collect Information. This information may include internet protocol (IP) addresses, browser type, internet service provider (ISP), referring/exit pages, operating system, date/time stamp, and/or click stream data. We may combine this automatically collected log information with other Information we collect about you. You may choose to set your web browser to refuse cookies, or to alert you when cookies are being sent. If you do so, please note that some parts of our Site may not function properly.
  • How We Use Information
    • In General: We may use Information to:
      • Deliver the products and services you requested
      • Improve customer service
      • Personalize your user experience
      • Communicate with you about products or services that may be of interest to you
      • Manage our business
  • Who Do We Share Your Information With?
    • Global Equity Finance affiliated businesses: We may share your Information with the companies directly affiliated with GEQ.
    • Global Equity Finance Vendors: We may share your Information with vendors that perform certain services on our behalf (“GEQ Vendors”) including, but not limited to, credit bureaus, investors, marketing partners, or entities providing business analysis and/or website or product support.
    • Other Situations: We may also disclose your information at our sole discretion
      • In response to a subpoena or similar investigative demand, a court order, a request for cooperation from a law enforcement agency, self-regulatory body, or other governmental agency; to establish or exercise our legal rights; to defend against legal claims; or as we reasonably believe is required by law. In such cases, we may raise or waive any legal objection or right available to us.
      • When we believe disclosure is appropriate in order to investigate, prevent, or take action regarding actual or suspected illegal activity or other wrongdoing; to protect and defend the rights, property, or safety of the GEQ, our users, our employees, or others; or to enforce our Site’s terms and condition or other agreements or policies.
      • In connection with a substantial corporate transaction involving GEQ, such as a sale of GEQ or any entity, brand or division thereof, a divestiture, merger, consolidation, asset sale, or bankruptcy.
      • In connection with state and/or federal licensing requirements regarding the reporting of Information contained in the loan inquiries we receive from you. You authorize GEQto provide your information to comply with current laws and regulations as well as with any requests from state or federal regulators. This information could include, but is not necessarily limited to, the loan you selected and the terms of the loan you selected.
      • We may share Non-Personally Identifiable Information with third parties in our discretion.
  • Unsubscribe
    • Unsubscribe: If at any time you do not wish to receive communications from GEQ, you may email privacy@geqfinance.comto unsubscribe. There may be an unsubscribe link at the bottom of emails sent from GEQ.
    • Advertising on third party sites: We may use third-party tracking technology. This technology allows targeted advertisements to you from GEQ. Some of these advertising companies may be networks that are members of the Network Advertising Initiative which offers a single location to opt out of ad targeting from member companies. The opt-out is available at http://optout.networkadvertising.org/#!/
    • Updating and Accessing Your Information We may also disclose your information at our sole discretion
      • The appropriate method(s) for accessing your Information, if any, will depend on which Site or services you have used. Depending on the respective Site or service, you may have the ability to view or edit some of your Information online. If you have submitted a loan request with GEQ, you can update your personal information by contacting our Customer Service Department at customerservice@geqfinance.com. Our address is 4747 Morena Blvd. Suite 201, San Diego, CA 92117
  • How We Protect Your Information
    • We take what we believe to be industry standard security measures (including physical, electronic, and procedural measures) to help safeguard your Information from unauthorized access and disclosure. We also require employees to comply with information security safeguards, we use encryption in the transmission of your Information between your system and ours, and we use firewalls and other intrusion detection and prevention controls to help prevent unauthorized persona from gaining access to your Information.
    • No system can be completely secure. Therefore, although we take steps to secure your Information, we cannot guarantee that your Information, searches, or other communication will always remain secure.
  • Changes to this Privacy Policy
    • GEQ has the discretion to update this privacy policy at any time. When we do, we will revise the date at the bottom of this page. We encourage you to frequently check this page for any changes to stay informed about how we are helping to protect the Information we collect. You acknowledge and agree that it is your responsibility to review this privacy policy periodically and become aware of modifications.
  • Visiting our Websites From Outside the United States
    • The Site is governed by the laws of the United States, and is intended for the enjoyment of residents of the United States only. We make no representation that the Site is governed by or operated in accordance with the laws of any other nation.
  • Compliance with Children’s Online Privacy Protection Rule
    • We do not knowingly collect, use or disclose personally identifiable information from anyone under 13 years of age. If we determine upon collection that a user is under this age, we will not use or maintain his/her PII without the parent/guardian’s consent. If we become aware that we have unknowingly collected PII from a child under the age of 13, we will make reasonable efforts to delete such information from our records.
  • How to Contact Us
    • If you have any questions about this privacy policy, the practices of GEQ, or your dealings with us, please contact us at:

      Compliance Officer
      404 CAMINO DEL RIO SOUTH, SUITE 300
      SAN DIEGO, CA 92108
      or
      privacy@geqfinance.com