Copyright, Licenses and Idea Submissions.

The entire contents of the Site are protected by international copyright and trademark laws. The owner of the copyrights and trademarks are RealMetalCards, its members or other third party licensors. YOU MAY NOT MODIFY, COPY, REPRODUCE, REPUBLISH, UPLOAD, POST, TRANSMIT, OR DISTRIBUTE, IN ANY MANNER, THE MATERIAL ON THE SITE, INCLUDING TEXT, GRAPHICS, CODE AND/OR SOFTWARE. You may print and download portions of material from the different areas of the Site solely for your own non-commercial use provided that you agree not to change or delete any copyright or proprietary notices from the materials. You agree to grant to RealMetalCards a non-exclusive, royalty-free, worldwide, perpetual license, with the right to sub-license, to reproduce, distribute, transmit, create derivative works of, publicly display and publicly perform any materials and other information (including, without limitation, ideas contained therein for new or improved products and services) you submit to any public areas of the Site (such as bulletin boards, forums and newsgroups) or by e-mail to RealMetalCards by all means and in any media now known or hereafter developed. You also grant to RealMetalCards the right to use your name in connection with the submitted materials and other information as well as in connection with all advertising, marketing and promotional material related thereto. You agree that you shall have no recourse against RealMetalCards for any alleged or actual infringement or misappropriation of any proprietary right in your communications to RealMetalCards.

TRADEMARKS

Publications, products, content or services referenced herein or on the Site are the exclusive trademarks or service marks of RealMetalCards. Other product and company names mentioned in the Site may be the trademarks of their respective owners.

Use of the Site.

You understand that, except for information, products or services clearly identified as being supplied by RealMetalCards, RealMetalCards does not operate, control or endorse any information, products or services on the Internet in any way. Except for RealMetalCards- identified information, products or services, all information, products and services offered through the Site or on the Internet generally are offered by third parties, that are not affiliated with RealMetalCards a. You also understand that RealMetalCards cannot and does not guarantee or warrant that files available for downloading through the Site will be free of infection or viruses, worms, Trojan horses or other code that manifest contaminating or destructive properties. You are responsible for implementing sufficient procedures and checkpoints to satisfy your particular requirements for accuracy of data input and output, and for maintaining a means external to the Site for the reconstruction of any lost data.

YOU ASSUME TOTAL RESPONSIBILITY AND RISK FOR YOUR USE OF THE SITE AND THE INTERNET. RealMetalCards PROVIDES THE SITE AND RELATED INFORMATION "AS IS" AND DOES NOT MAKE ANY EXPRESS OR IMPLIED WARRANTIES, REPRESENTATIONS OR ENDORSEMENTS WHATSOEVER (INCLUDING WITHOUT LIMITATION WARRANTIES OF TITLE OR NONINFRINGEMENT, OR THE IMPLIED WARRANTIES OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE) WITH REGARD TO THE SERVICE, ANY MERCHANDISE INFORMATION OR SERVICE PROVIDED THROUGH THE SERVICE OR ON THE INTERNET GENERALLY, AND RealMetalCards SHALL NOT BE LIABLE FOR ANY COST OR DAMAGE ARISING EITHER DIRECTLY OR INDIRECTLY FROM ANY SUCH TRANSACTION. IT IS SOLELY YOUR RESPONSIBILITY TO EVALUATE THE ACCURACY, COMPLETENESS AND USEFULNESS OF ALL OPINIONS, ADVICE, SERVICES, MERCHANDISE AND OTHER INFORMATION PROVIDED THROUGH THE SERVICE OR ON THE INTERNET GENERALLY. RealMetalCards DOES NOT WARRANT THAT THE SERVICE WILL BE UNINTERRUPTED OR ERROR-FREE OR THAT DEFECTS IN THE SERVICE WILL BE CORRECTED. YOU UNDERSTAND THAT NOT ALL OFFERS LISTED AT RealMetalCards ARE NOT THE PROPERTY OF RealMetalCards. FURTHERMORE, YOU AGREE TO READ AND ACCEPT THE TERMS AND CONDITIONS OF OFFERS BEFORE ACCEPTING AN OFFER OR SENDING PERSONAL INFORMATION THROUGH AN APPLICATION OUTSIDE OF RealMetalCards WEBSITE. DATA IS CONSTANTLY UPDATED AS RATES AND FEES CHANGE. YOU AGREE TO VERIFY THIS INFORMATION FOR ANY OFFER YOU ARE CONSIDERING APPLYING FOR BEFORE SENDING PERSONAL INFORMATION ON THE FORM AT THE RELEVANT WEBSITE. YOU UNDERSTAND FURTHER THAT THE PURE NATURE OF THE INTERNET CONTAINS UNEDITED MATERIALS SOME OF WHICH ARE SEXUALLY EXPLICIT OR MAY BE ACCESS TO SUCH MATERIALS IS AT YOUR RISK. RealMetalCards HAS NO CONTROL OVER AND ACCEPTS NO RESPONSIBILITY WHATSOEVER FOR SUCH MATERIALS. YOU AGREE THAT CARD RATINGS ARE USED SOLELY FOR THE PURPOSE OF PERSONAL DATA. YOU AGREE TO VIEW THESE RATINGS WITH DISCRETION AND WILL NOTE THAT THE TEXT SUPPLIED ON THESE RATINGS ARE NOT OPINIONS OF RealMetalCards.

LIMITATION OF LIABILITY

IN NO EVENT WILL RealMetalCards BE LIABLE FOR (I) ANY INCIDENTAL, CONSEQUENTIAL, OR INDIRECT DAMAGES (INCLUDING, BUT NOT LIMITED TO, DAMAGES FOR LOSS OF PROFITS, HARDSHIP, FEES, INTEREST RATES, CORRECT CREDIT CARD MATCHING, BUSINESS INTERRUPTION, LOSS OF PROGRAMS OR INFORMATION, AND THE LIKE) ARISING OUT OF THE USE OF OR INABILITY TO USE THE SERVICE, OR ANY INFORMATION, OR TRANSACTIONS PROVIDED ON THE SERVICE, OR DOWNLOADED FROM THE SERVICE, OR ANY DELAY OF SUCH INFORMATION OR SERVICE. THE FREE PROGRAM PROVIDED BY RealMetalCards (SCORE MATCH) IS NOT EXEMPT FROM THIS AGREEMENT. FURTHERMORE, RealMetalCards DOES NOT WARRANTY LIABILITY AGAINST THE USE OF CREDIT CARD MATCHES UNDER THIS SYSTEM. THE USER UNDERSTANDS THAT RealMetalCards MATCHES CREDIT CARDS BASED SOLELY ON ITS STAFF'S KNOWLEDGE FOR MATCHING APPROPRIATE CARDS FOR SPECIFIC SCORES. USE OF THIS SYSTEM IS AT THE USER'S OWN RISK BY ALLOWING RealMetalCards TO ONLY SUGGEST CARDS THAT ARE MORE LIKELY TO BE APPROVED AND INSTITUTES NO LIABILITIES, INCLUDING, BUT NOT LIMITED TO THE POSSIBILITY OF LOWER INTEREST RATES, FEES, REWARDS, AND INCENTIVES FROM OTHER CARD ISSUERS AND LENDERS.

SENSITIVE INFORMATION

THIS IS NOT THE TERMS AND CONDITIONS FOR FINANCIAL OFFERS CONTAINED IN THE RealMetalCards DATABASE. PLEASE SEE WEBSITE AND / OR APPLICATION FOR SPECIFIC TERMS AND CONDITIONS. ALL INFORMATION CONTAINED IN THE RealMetalCards DATABASE SHOULD BE USED FOR INITIAL REFERENCE AND COMPARISON ONLY. THE DATA IS NOT A CONTRACT IN ANY WAY, SHAPE OR FORM. ALL APR'S, FEES, GRACE PERIODS, TIMELINES, OTHER INTEREST RATES, TEXT AND DETAILS ARE UPDATED AS RealMetalCards RECEIVES SUCH NOTICE OF CHANGES OR FINDS THAT CHANGES IN THIS DATA HAVE OCCURRED - THESE SAID INPUTS SHOWN TO THE USER ARE FOR THE LOWEST POSSIBLE RATES, FEES AND TIMELINES AVAILABLE. INFORMATION CONTAINED IN THE DATABASE SHOULD BE VERIFIED BEFORE APPLYING FOR ANY OFFER, WHICH CAN NORMALLY BE FOUND ON THE ISSUING OFFER'S TERMS AND CONDITIONS. EVEN IF RealMetalCards OR ITS AUTHORIZED REPRESENTATIVES HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES, OR (II) ANY CLAIM ATTRIBUTABLE TO ERRORS, OMISSIONS, OR OTHER INACCURACIES IN THE SERVICE AND/OR MATERIALS OR INFORMATION DOWNLOADED THROUGH THE SERVICE. BECAUSE SOME STATES DO NOT ALLOW THE EXCLUSION OR LIMITATION OF LIABILITY FOR CONSEQUENTIAL OR INCIDENTAL DAMAGES, THE ABOVE LIMITATION MAY NOT APPLY TO YOU. IN SUCH STATES, RealMetalCards LIABILITY IS LIMITED TO THE GREATEST EXTENT PERMITTED BY LAW.

RealMetalCards makes no representations whatsoever about any other web site which you may access through this one or which may link to this site. When you access a non-RealMetalCards web site, please understand that it is independent from RealMetalCards, and that RealMetalCards has no control over the content on that web site, including but not limited to: fees, interest rates, terms and conditions or other material. In addition, a link to a RealMetalCards web site does not mean that RealMetalCards endorses or accepts any responsibility for the content, or the use, of such web site.

RELATIONSHIPS

RealMetalCards has financial relationships with some of the cards mentioned here, and RealMetalCards may be compensated if consumers choose to apply for these cards in our content and ultimately sign up for them.

Indemnification.

You agree to indemnify, defend and hold harmless RealMetalCards, its officers, directors, employees, agents, licensors, suppliers and any third party information providers to the Service from and against all losses, expenses, damages and costs, including reasonable attorneys' fees, resulting from any violation of this Agreement (including negligent or wrongful conduct) by you or any other person accessing the Service.

Third Party Rights.

The provisions of paragraphs 2 (Use of the Service), and 3 (Indemnification) are for the benefit of RealMetalCards and its officers, directors, employees, agents, licensors, suppliers, and any third party information providers to the Service. Each of these individuals or entities shall have the right to assert and enforce those provisions directly against you on its own behalf.

Term; Termination.

This Agreement may be terminated by either party without notice at any time for any reason. The provisions of paragraphs 1 (Copyright, Licenses and Idea Submissions), 2 (Use of the Service), 3 (Indemnification), 4 (Third Party Rights) and 6 (Miscellaneous) shall survive any termination of this Agreement.

Miscellaneous.

This Agreement shall all be governed and construed in accordance with the laws of The United States of America applicable to agreements made and to be performed in The United States of America. You agree that any legal action or proceeding between RealMetalCards and you for any purpose concerning this Agreement or the parties' obligations hereunder shall be brought exclusively in a federal or state court of competent jurisdiction sitting in The United States of America . Any cause of action or claim you may have with respect to the Service must be commenced within one (1) year after the claim or cause of action arises or such claim or cause of action is barred. RealMetalCards failure to insist upon or enforce strict performance of any provision of this Agreement shall not be construed as a waiver of any provision or right. Neither the course of conduct between the parties nor trade practice shall act to modify any provision of this Agreement. RealMetalCards may assign its rights and duties under this Agreement to any party at any time without notice to you.

Any rights not expressly granted herein are reserved

Permitted Uses

Subject to the provisions in these Terms and Conditions, you may use the Services for non-commercial purposes to: (i) learn about the Services; (ii) open Accounts to participate in the Services; (iii) select a Service or Services; (iv) access and print or download copies of the current version of these Terms and Conditions and other documentation relating to the Services; and (v) make such other use of the Services as we may expressly permit from time to time in furtherance of the objectives and growth of the Services. Subject to these Terms and Conditions, we hereby grant you a personal, nontransferable, nonexclusive, non-sub licensable license to use the Services and their Content in accordance with these Terms and Conditions, and for no other purpose. All rights, title and interest in and to the customer interface and Content, including any software, on or through the Services shall belong to us or our Licensors and Suppliers, including all modifications thereof and enhancements thereto. The Content and customer interface made available from, on or through the Services may not be copied, modified, republished, assigned, sold or distributed to you, nor may derivative works be prepared there from. The license granted to you pursuant to these Terms and Conditions is solely for your personal use (but not for resale or redistribution) as a customer of the Services and may not be used for any other purposes. You shall not reverse engineer, de-compile, or otherwise translate, in any way, the Content and customer interface made available from, on, or through the Services. You have no right or claim of right to the Content or any unique ideas found on the Services. No ownership rights are granted to you hereunder and no title is transferred hereby.

You agree that you will use the Services to protect against or prevent actual fraud, unauthorized transactions, claims or other liabilities.

Prohibited Uses

You may not use the Services for illegal or unlawful or malicious activities, or for activities that we deem improper for any reason whatsoever in our sole judgment, including, without limitation, the laundering of proceeds of any unlawful activity, the financing of terrorism, the commission of fraud or market manipulation, the harassing or making disparaging comments to any customer of the Services. We reserve the right to take preventative or corrective actions to protect ourselves and our customers. Your use of the Services is conditioned in part on your compliance with the rules of conduct provided herein, and your failure to comply may result in termination of your access to and use of the Services and liability for damages caused by your noncompliance. In addition to the foregoing, while using the Services, you may not, except as may be expressly set forth above under "Permitted Uses" (a) impersonate any person or entity, falsely state or otherwise misrepresent your affiliation with any person or entity, or use or provide any fraudulent, misleading or inaccurate information; (b) defame, abuse, harass, stalk, intimidate, bully, threaten or otherwise violate the rights of others, including without limitation others' privacy rights or rights of publicity; (c) access or use (or attempt to access or use) another customer's Account without permission, or solicit another customer's login information; (d) transmit any software or materials that contain any viruses, worms, Trojan horses, defects, or other items of a destructive nature; (e) modify, adapt, sublicense, translate, sell, reverse engineer, decompile or disassemble any portion of the Services; (f) "frame" or "mirror" any portion of the Services; (g) use any robot, spider, site search/retrieval application or other manual or automatic device or process to retrieve, index, "data mine" or in any way reproduce or circumvent the navigational structure or presentation of the Services; (h) harvest or collect information about or from other customers of the Services; (i) use the Services for any illegal activity; (j) probe, scan or test the vulnerability of the Services, nor breach the security or authentication measures on the Services or take any action that imposes an unreasonable or disproportionately large load on the infrastructure of the Services, such as a denial of service attack; (k) send or otherwise post unauthorized commercial communications (such as spam); (l) engage in unlawful multi-level marketing, such as a pyramid scheme; (m) post content that is hateful, threatening or pornographic, incites violence, or contains nudity or graphic or gratuitous violence; (n) access or use any portion of the Content if you are a direct or indirect competitor of RealMetalCards, or provide, disclose or transmit any portion of the Content to any direct or indirect competitor of RealMetalCards; (o) use or distribute any Content, including Content that has been verified or confirmed by you or anyone else, to directly or indirectly create or contribute to the development of any database or product; or (p) facilitate or encourage any violations of this Section.

RealMetalCards Unauthorized Transaction Policy

This policy applies to unauthorized and/or erroneous transactions involving your RealMetalCards Account and/or the registered bank account on file.

Notification Terms

You should immediately notify RealMetalCards in the event that you believe any of the following has occurred:

Notification must be provided to RealMetalCards within thirty (30) days after the issuance of any bank account or RealMetalCards Account statement containing any error. RealMetalCards reserves the right to release liability if the disputed claim is not presented to us in a timely fashion as described above.

RealMetalCards encourages its customers to log into their RealMetalCards Account often to ensure that there has not been an unauthorized transaction or error. RealMetalCards will send an email to the email address provided in order to notify you of each transaction from your RealMetalCards Account. We recommend that you review these loan payment confirmations to ensure that each transaction is accurate and authorized.

If you believe that the transaction or loan payment history in your RealMetalCards Account contains an error, or if you need any information regarding your RealMetalCards Account or transactions to determine whether an error exists, you should contact us as soon as possible by using the Contact Us page, or writing to us at:

When you contact us about an error or an unauthorized transaction, you may be asked to provide us with the following information:

If you provide us with this information over the phone, we may require that you send us your grievance or question in writing within ten (10) Business Days of your inquiry. If we ask you to put your grievance or question in writing and we do not receive a response from you within ten (10) Business Days, we will consider the inquiry dismissed.

Resolution Process Once you notify us of any suspected unauthorized activity or error, or we learn of one otherwise, we will do the following:

- If we determine that there was no error and/or unauthorized transactions, we will send you a written explanation via email of our justification.

- In the event that we do find issues of error and/or instances of unauthorized transactions, we will promptly correct the error by appropriately crediting or debiting the bank account on file. If a credit is issued to your account, the credit will take 2-3 business days from the date of determination to process.

RealMetalCards Processing Errors

RealMetalCards will take the appropriate actions needed to rectify any error that we discover or that is brought to our attention. If the error resulted in you receiving less than the correct amount to which you were entitled, RealMetalCards will credit your bank account for the difference. If the error resulted in you receiving more than the correct amount to which you were entitled, RealMetalCards will debit the extra funds from your registered bank account.

RealMetalCards reserves the right to waive liability if it is determined that (a) our system was not working properly and you knew about the breakdown when you started the transaction, or (b) circumstances beyond our control (such as fire, flood or loss of Internet connection) prevented the transaction, despite our reasonable precautions, (c) notification was not given to RealMetalCards in a timely fashion as per our Notification Terms (above), (d) other exceptions allowed by law or provided in our agreement with you.

Authorization for Automatic Payments

If your credit limit is funded by one of financial institutions listed on the Site, you hereby authorize RealMetalCards.com, as the servicer on your credit limit, and its successors and assigns, to initiate electronic funds transfers from your designated account provided to RealMetalCards on the date of this agreement for monthly repayments on your loan. EACH MONTH, THE DEBIT AMOUNT MAY BE A RANGE OF PAYMENTS, WHICH WOULD INCLUDE YOUR MONTHLY PRINCIPAL AND INTEREST, AND FEES, IF ANY. ANY FEES AUTHORIZED TO BE CHARGED ON YOUR CREDIT LIMIT MAY BE COLLECTED USING ELECTRONIC FUNDS TRANSFERS INITIATED BY US FROM YOUR DESIGNATED ACCOUNT.

Specific Consents Granted upon Submission of Your Registration Form

At the time that you submit your registration form to us to register for the Services and related analysis of information in connection therewith, you agree that you are providing to us the following specific consents (in addition to being subject to these Terms and Conditions)

I understand that by submitting this registration form I am authorizing RealMetalCards, once it has obtained my personal information and credit and identify information in its records along with the other information I am submitting through this registration form (collectively, the "Registration Profile"), to use that Registration Profile to match me with product and services offers from time to time from its marketing partners, which offers it will send to me either by e-mail (based upon my communication preferences) or through the display of advertisements and to further use that Registration Profile to provide statistical analysis, reports and summaries of my Registration Profile in comparison to other customer's Registration Profiles. I understand that RealMetalCards will not be sharing my Registration Profile with any of those marketing partners and that it is completely up to me to decide whether I would like to accept any of the offers I receive.

Third Party Offers

We will match offers from third parties against your Registration Profile, in order to ensure that you receive offers that are tailored to you if you opt-in to receiving such offers. RealMetalCards believes that customers who have demonstrated positive behavior through loan repayment should be able to reap the rewards of those efforts, including by receiving discounted and favorable pricing and rates on financial products and services. Our technology for matching your Registration Profile to the valuable offers for products and services provided by our third parties is proprietary and, in carrying out such matching, we may elect to consider, ignore, emphasize, or de-emphasize any relevant factors in our sole discretion. We do not guarantee that you will receive offers for any particular types of products or services.

Credit Reporting Services

You understand that by accepting these Terms and Conditions you are providing "written instructions" to our third-party service provider, Data Link Corporation, and its employees, agents, subsidiaries, members, contractors, third party data providers, and all other credit reporting agencies under the Fair Credit Reporting Act ("FCRA"), as amended, including Experian, TransUnion, Equifax and affiliated entities, to access your credit files from each national credit reporting agency and to exchange information about you with each such national credit reporting agency in order to verify your identity and to provide the services to you. You agree and hereby authorize Data Link Corporation, its agents and employees, to provide your personally identifiable information (or, if applicable, information about your child you have enrolled) to third parties as provided in our Privacy Policy, as may be amended from time to time. You further authorize Data Link Corporation and its agents and employees to obtain various information and reports about you (or about your child that you have enrolled, if applicable) in order to provide the services, including, but not limited to, address history reports, name and alias reports, criminal reports or sex offender reports, and to provide monitoring and alerts.

We will report credit limit payments made by you to the credit reporting agencies ("CRAs"), which in part is designed to assist parties in establishing a credit history.

Notwithstanding the above, any party may dispute any entry on a credit report provided by RealMetalCards to a CRA. Please see the "Dispute of Credit Reporting Information by Customer" section, below.

RealMetalCards is not responsible for how any CRA may manage or use the information provided to them by RealMetalCards and you agree to hold RealMetalCards harmless against any such claims, with all being subject to the "Dispute of Credit Reporting Information by Customer" section of these Terms and Conditions and the Fair Credit Reporting Act. See such CRA for the terms and conditions of how they collect, store, manage, use, modify, disseminate and distribute such information. Once the information is transmitted from RealMetalCards to the CRA, that CRA will obtain an ownership interest in that data.

Potential Effect of Delinquency of Credit Reporting

Notice of Dispute

A customer may dispute an entry on their credit report derived from information provided by RealMetalCards's financial partner, to a credit reporting agency by notifying RealMetalCards either by mail or by other means available to the customer. The customer shall provide the following information as part of any dispute:

- Name of consumer

- A brief description of the disputed information

- Address of customer or other means for RealMetalCards to contact customer with results of investigation

Investigation of Disputed Information

Upon receipt of a notice of dispute from a customer, RealMetalCards and a third-party financial institution partner will, free of charge, conduct a reasonable investigation and make a determination of the status of the disputed information within fifteen (15) business days of receipt of the notice of dispute from the customer. The investigation shall include, but is not limited to, all relevant information provided by the customer. The determination shall be one of the following three options:

The dispute is frivolous or irrelevant and the information originally provided is accurate;

The disputed information is inaccurate; or

More information is necessary to make a final determination regarding the disputed information.

Notification of Determination

Once a final determination has been made regarding the disputed information, RealMetalCards will notify the customer for that purpose, by other means available to RealMetalCards and/or a third-party financial institution within five (5) business days of the determination regarding the disputed information. If RealMetalCards determines that the dispute is frivolous or irrelevant, RealMetalCards and/or a third-party financial institution shall notify the customer by mail or, if authorized by the consumer for that purpose, by other means available to RealMetalCards and/or a third-party financial institution. Said notice shall include:

The reasons for the determination; and

Identification of any information required to investigate the disputed information.

If RealMetalCards and/or a third-party financial institution determines that the disputed information is inaccurate, RealMetalCards and/or a third-party financial institution shall notify the customer by mail or, if authorized by the consumer for that purpose, by other means available to RealMetalCards and/or a third-party financial institution within five (5) business days of the determination and will promptly notify all CRA's to which RealMetalCards provided said information and request that they delete or modify the information as appropriate. If RealMetalCards and/or a third-party financial institution determines that more information is necessary to complete its investigation, RealMetalCards and/or a third-party financial institution will notify the customer, and the customer's counterparty if necessary, and request additional information from them to help make a final determination as to the disputed information.

Additional Information Request

Upon receipt of the additional information, RealMetalCards and/or a third-party financial institution shall make a final determination on the disputed information, considering all information provided by all parties, within thirty (30) days of receipt of the notice of dispute by RealMetalCards and/or a third-party financial institution under this section. Notice of said determination shall be forwarded to the customer as described above.

Intellectual Property Information and Restrictions

Copyright.

The copyright in the Content is held by RealMetalCards and is protected by U.S. and International copyright laws and treaties. You are authorized to use the Content sent to you through the Services. You consent that the Content may not be copied, reproduced, distributed, republished, displayed, posted or transmitted in any form or by any means, including, but not limited to, electronic, mechanical, photocopying, recording, or otherwise, without the express prior written consent of RealMetalCards. You agree that the Content is and shall remain the sole property of RealMetalCards. You may not alter, sell, transfer or create derivative works based on any Content, in whole or in part. The utilization of the Content on any other web site is not permissible without prior written approval from RealMetalCards. You may not, without RealMetalCards's prior consent, "copy" any material on the Services on any other server. You may not reverse engineer any of the Services' technologies. Unpermitted application of any Content on the Services may breach copyright laws, trademark laws, the laws of privacy and publicity, and communications statutes and regulations.

Trademarks.

RealMetalCards (including the RealMetalCards logo), RealMetalCards.com, and all related logos (collectively the "RealMetalCards Trademarks") are trademarks or service marks of RealMetalCards. Other company, product, and service names and logos used and exhibited on the Services may be trademarks or service marks owned by RealMetalCards or others. Nothing in the Services should be interpreted as allowing, by association, estoppel, or otherwise, any license or right to use any of the RealMetalCards Trademarks displayed on the Services without our prior written permission in each case. You may not use, copy, display, distribute, modify or reproduce any of the RealMetalCards Trademarks found on the Services unless following written permission by us. We forbid use of any of the RealMetalCards Trademarks as part of a link to or from any site unless such a link is approved, prior, in writing by us. Any questions concerning any RealMetalCards Trademarks, or whether any mark or logo is a RealMetalCards Trademark, should be referred to RealMetalCards.

Copyright Complaints

It can be difficult to assess whether your intellectual property rights have been infringed. We may request additional information before we delete any violating material. If a dispute develops as to the correct owner of the rights in question, we reserve the right to remove your content along with that of the alleged infringer pending resolution of the matter. Warranties, Disclaimers and Limitations of Liability Your Warranties You represent and warrant to RealMetalCards that (a) all information, including, without limitation, personal information, that you provide to us is accurate and truthful, and you will update such information with RealMetalCards as soon as it changes, (b) you have the authority to share personal information with us and to grant us the right to use personal information as provided in these Terms and Conditions and RealMetalCards Privacy Policy, (c) you have the right to grant us the licenses specified in the section titled "Content and Materials" above, if applicable, (d) your acceptance and use of the Services pursuant to these Terms and Conditions does not violate any applicable law or other contract or obligation to which you are a party or are otherwise bound, (e) you will not use the Services in connection with any fraudulent or illegal activity or in any manner which interferes with the operations of the Services, (f) the account with your mobile service provider for the mobile device on which you are using the Services, including the Application, is current and in good standing, (g) you are at least 18 years of age and have the right, power, and authority to enter into these Terms and Conditions, and (h) the Materials do not infringe the intellectual property rights, including any copyrights, trademarks, trade secrets, right of privacy, or right of publicity, of any person.

Disclaimer of Warranties

The Services are provided on an "as is" and "as available" basis. RealMetalCards's third party service provider Data Link Corporation and its data providers make no representations or warranties, express or implied, with respect to the Services and disclaim any express or implied warranties with respect thereto. Without limiting the foregoing, Data Link Corporation and its data providers do not guarantee or warrant the accuracy, timeliness, completeness, currentness, merchantability, non-infringement, or fitness for a particular purpose of the services and shall not be liable for any loss or injury arising out of or caused in whole or in part by use of the Services or data therein.

Although RealMetalCards makes efforts to provide an accurate Site and Application, the Site and Application and all respective parts thereof are provided "as is", "with all faults", and "as available". RealMetalCards and its members and their respective managing members, officers, directors, employees and third party suppliers (collectively, the "Company Parties") disclaim any and all representations, warranties or guarantees of any kind, whether express, implied or statutory, including without limitation (1) as to title, merchantability, fitness for ordinary purposes and fitness for a particular purpose and non-infringement, (2) the quality, accuracy, timeliness or completeness of the site, the application and their respective content, (3) those arising through course of dealing, course of performance or usage of trade, (4) the Site, the Application and their content conforming to any function, demonstration or promise by any Company Party and (5) that access to or use of the Site, Application, or their Content will be uninterrupted, error-free or completely secure. Any reliance upon the Site, the Application and their respective Content is at your own risk and RealMetalCards makes no warranties. RealMetalCards reserves the right to restrict or terminate your access to the Site, the Application and their respective Content or any feature or part thereof at any time. If you download the Application or any Content from the Site, you do so at your own discretion and risk. You will be solely responsible for any damage to your computer system or mobile device or loss of data that results from the download of any such Content.

Your reliance upon the information available on the Site or Application or located through utilization of the Services and your interactions with third-party customers identied through the Services is SOLELY AT YOUR OWN RISK. Your interactions with other customers or advertisers, including payment and delivery of goods or services, and any other terms, conditions, warranties or representations associated with such dealings, are solely between you and the other person or entity, and you agree that we will not be responsible for any loss or damage incurred as the result of any such dealings or with respect to any other person's or entity's use or disclosure of your personally identiable information. If there is a dispute between you and any third party, we are under no obligation to become involved, and you agree that you will manage any such dispute or disagreement directly, and that you will not make any claims against us with respect to products or services purchased through your use of the Services.

You acknowledge that access to the Services may be subject to limitations, delays, and other problems inherent in the use of the Internet, mobile devices and electronic communications. For instance the Services may be limited or unavailable from time to time, including due to systems maintenance or enhancements, usage demands, software or hardware malfunctions, or occurrences beyond the control of RealMetalCards and its third parties (including operator errors, market volumes and volatility, power failures, equipment failures, communications failures, natural disasters, terrorist acts, and warfare). We are not responsible for any delays, delivery failures or other damages resulting from such problems. We do not guarantee the Services will be operable at all times or at any particular time or that access will be continuous or uninterrupted.

We reserve the right to do any of the following, at any time, without notice: (1) to modify, suspend or terminate operation of or access to the Services, or any portion of the Services; (2) to modify or change the Services, or any portion of the Services, and any applicable policies or terms (except as described in the RealMetalCards Privacy Policy); and (3) to interrupt the operation of the Site or Application and/or provision of Services, or any portion of the Application or Services, as necessary to perform routine or non-routine maintenance, error correction, or other changes.

THESE DISCLAIMERS ARE INDEPENDENT OF ANY OTHER TERM IN THESE TERMS AND CONDITIONS.

Limitation of Remedies

In no event shall RealMetalCards be liable for any direct, indirect, punitive, incidental, special, consequential damages or any damages whatsoever including, without limitation, damages for loss of use, data or profits, arising out of or in any way connected with the use or performance of the Site, Application, or their Content, with the delay or inability to access or use the Site, Application, or related Services, the provision of or failure to provide services, or for any content, software, products and services made available or obtained through the Site, Application, or their Content, or otherwise arising out of the use or access of the Services, whether based on contract, tort, negligence, strict liability or otherwise, even if RealMetalCards has been advised of the possibility of damages. Any services or content made available or obtained through the use of the Services is done at your own discretion and risk and you will be solely responsible for any damage to your computer system or loss of data that results there from.

If you are dissatisfied with any portion of the Site, the Application, or their respective content, or with any of these terms and conditions, your sole and exclusive remedy is to discontinue using the Site and uninstall the Application.

Returns and Refunds Policy

We do not issue refunds for products or services once the order is confirmed and the product sent and/or service rendered. We recommend contacting us for assistance if you experience any issues receiving or using our products or services. If you have any questions about our Returns and Refunds Policy, please contact us at customerservice@RealMetalCards.com.

Indemnication

Content and Materials

You will indemnify and hold RealMetalCards and its members harmless with respect to any suits or claims arising out of (i) your breach or alleged breach of these Terms and Conditions, including, but not limited to, any infringement or alleged infringement by you of the copyright or intellectual property rights of any third party; (ii) your fraudulent or malicious use of the Services or your misuse or abuse of the Services; (iii) your violation or alleged violation of applicable laws, rules or regulations in connection with your use of the Services, or (iv) our use of Materials generated or uploaded by you in accordance with these Terms and Conditions. You agree to indemnify and hold RealMetalCards, its third-party vendors, corporate members, directors, officers, employees and agents harmless from any and all claims and demands, including, but not limited to reasonable attorneys' fees, made by any third-party due to or arising out of any content submitted, posted, or otherwise provided by you to RealMetalCards and/or its third party advertisers and any breach by you or your members, employees, agents and representatives of any provisions of these terms and conditions.

Governing Law and Dispute Resolution

These Terms and Conditions shall be subject to and construed under the laws of the State of Texas, without reference to the conflicts of law provisions thereof.

These Terms and Conditions contain a pre-dispute arbitration clause, which applies to these Terms and Conditions. By clicking "Agree" and consenting to these Terms and Conditions, RealMetalCards and you agree as follows:

These Terms and Conditions shall be subject to and construed under the laws of the State of Texas, without reference to the conflicts of law provisions thereof.

These Terms and Conditions shall be subject to and construed under the laws of the State of Texas, without reference to the conflicts of law provisions thereof.

Pre-dispute arbitration clause: You understand and agree that all claims, disagreements, disputes or controversies between you and RealMetalCards, and its officers, directors, employees, representatives, agents, parents, members, subsidiaries and/or related companies, including related to the Services, shall be resolved by final and binding arbitration. Because the Services provided to you by RealMetalCards concern interstate commerce, the Federal Arbitration Act ("FAA") governs the arbitrability of all disputes. However, applicable federal or state law may also apply to the substance of any disputes. The arbitration shall take place in Houston, Texas. The arbitration shall be administered by the American Arbitration Association ("AAA") in accordance with Title 9 of the US Code (United States Arbitration Act) under the AAA's Commercial Dispute Resolution Procedures as supplemented by the Supplementary Procedures for Consumer-Related Disputes (and as stated therein, if there is a difference between the Commercial Dispute Resolution Procedures and the Supplementary Procedures, the Supplementary Procedures will be used). Neither you nor we shall be entitled to join or consolidate claims in arbitration by or against other customers/consumers or arbitrate any claim as a representative or member of a class or in a private attorney general capacity. The parties voluntarily and knowingly waive any right they have to a jury trial.

NO CLASS ACTIONS. To the fullest extent permitted by applicable law, you agree that any and all disputes, claims and causes of action you may against RealMetalCards in connection with or related to the Services will be resolved individually, without resort to any form of class action.

You and RealMetalCards agree that any controversy or claim between You and RealMetalCards, or between You and any of the officers, employees, agents, or affiliated companies of RealMetalCards, arising out of or relating to these Terms and Conditions, any of the transactions contemplated under these Terms and Conditions, any of the Services provided pursuant to these Terms and Conditions, any of the discussions or negotiations leading up to the making of these Terms and Conditions, or any relationship that results from any of the foregoing, whether based in contract, or an alleged tort, or on any other legal theory, and whether asserted as an original or amended claim, counterclaim, cross claim, or otherwise, shall be governed by federal law and all applicable substantive laws of the State of Texas (without regard to its conflict of laws principles). Governing Texas law may be supplemented as necessary by federal law. You agree that if there is any inconsistency between the terms of these Terms and Conditions and any applicable law, regulation or rule, the terms of these Terms and Conditions will prevail to the extent any such law, regulation or rule may be modified by agreement.

To the maximum extent permitted by applicable law, no action, regardless of form, arising out of these Terms and Conditions may be brought by either party more than two (2) years after the claiming party knew or should have known of the cause of action.

You agree that no joint venture, partnership, employment, or agency relationship exists between you and RealMetalCards as a result of these Terms and Conditions or accessing the Services. RealMetalCards's performance under these Terms and Conditions is subject to existing laws and legal process, and nothing contained in these Terms and Conditions is in derogation of RealMetalCards's right to comply with governmental, court and law enforcement requests or requirements relating to your access or use of the Services or information provided to or gathered by RealMetalCards with respect to such use.

Interpretation

If any part of these Terms and Conditions is determined to be invalid or unenforceable pursuant to applicable law including, but not limited to, the warranty disclaimers and liability limitations contained herein, then the invalid or unenforceable provision will be deemed superseded by a valid, enforceable provision that most closely matches the intent of the original provision and the remainder of the Terms and Conditions shall continue in effect. A printed version of these Terms and Conditions and of any notice given in electronic form shall be admissible in judicial or administrative proceedings based upon or relating to the Terms and Conditions to the same extent and subject to the same conditions as other business documents and records originally generated and maintained in printed form. Except as otherwise specified in these Terms and Conditions, all notices, permissions and approvals hereunder shall be in writing and shall be deemed to have been given upon: (i) personal delivery, (ii) the second business day after mailing, (iii) the second business day after sending by confirmed facsimile, or (iv) the first business day after sending by email. Notices to us must be sent in writing to the following address: 614 Texas Pkwy Ste. 600, Missouri City, Texas 77489 or via email addressed to: customerservice@RealMetalCards.com and notices to you will be sent to the email address you provide to us, which addresses may be updated from time to time upon written notice to the other party. The Services, Content, other technology we may make available, and derivatives thereof may be subject to laws and regulations of the United States and other jurisdictions. No forbearance or delay by either party in enforcing its rights shall prejudice or restrict the rights of that party and no waiver of any such rights or of any breach of any contractual terms shall be deemed to be a waiver of any other right or of any later breach. You may not assign any of your rights or obligations hereunder, whether by operation of law or otherwise. We may assign our rights and privileges under these Terms and Conditions (including your customer registration), without your consent in connection with a merger, acquisition, corporate reorganization, or sale of all or substantially all of our assets, or to an affiliate, or in connection with a change in control. Subject to the foregoing, these Terms and Conditions shall bind and inure to the benefit of the parties, their respective successors and permitted assigns.

Termination

The term of these Terms and Conditions will continue until terminated by you or RealMetalCards as set forth below.

We may terminate your Accounts participation privileges immediately if you fail to comply with these Terms and Conditions. RealMetalCards also reserves the right to terminate your participation at any time, in RealMetalCards's absolute discretion, without cause. Sections titled "Content and Materials," "Warranties, Disclaimers and Limitations of Liability," "Applicable Law and Jurisdiction," "Interpretation," and "Indemnification," and this Section shall survive any termination or expiration of these Terms and Conditions.

If you want to terminate the Terms and Conditions with RealMetalCards, you may do so by notifying RealMetalCards in writing at 614 Texas Pkwy Ste. 600, Missouri City, Texas 77489 and including your name, date of birth, and email address for your RealMetalCards Account. You may also terminate your account online.

Entire Agreement

These Terms and Conditions represent the entire understanding between you and RealMetalCards governing the Services. In the event of any conflict between these Terms and Conditions and the terms of a third-party agreement, the terms of these Terms and Conditions will prevail as between you and RealMetalCards.

Questions

Should you have any questions concerning these Terms and Conditions, please contact us by email at info@SelfLender.com or by regular mail at RealMetalCards.com, 614 Texas Pkwy Ste. 600, Missouri City, Texas 77489. For an online copy of these Terms and Conditions, please go to www.RealMetalCards.com. Terms of Use for Consumer Report Disclosure Agreement The RealMetalCards Pre-qualification Program (the "Program") is a tool that matches you with pre-qualified offers from our participating partners ("Participating Partners"). By participating in the Program you agree to these terms and conditions ("Terms"). Please read these Terms carefully.

Participating Partners may vary. RealMetalCards will determine, in its sole discretion, the Participating Partners that may participate in the Program. We do not include all available financial products within the pre-qualification experience. You are instructing RealMetalCards to share your information with Participating Partners. By participating in the Program, you are consenting to have your information shared with Participating Partners on an ongoing basis so they may pre-qualify you for personalized offers.

You are consenting to soft inquiries on your credit, which will not impact your credit score. This means you are authorizing Participating Partners and/or RealMetalCards to access your credit report information from one or more consumer credit reporting agencies. Some Participating Partners may first use your information to determine if there are any previously matched offers available without pulling a new credit report, and if no offers are available, you are authorizing each Participating Partner to make a soft inquiry on your credit. These soft inquiries are used to match you with pre-qualified offers and will not impact your credit score, but understand that your consumer report record may indicate that a Participating Partner has made a promotional inquiry about you.

Offers are not guaranteed. The products offered by Participating Partners are subject to change at any time and pre-qualified offers are not guaranteed. If you are pre-qualified for any offers, please understand these pre-qualified offers will expire.

Approval is not guaranteed. It is important for you to understand that this is not an application for credit, and approval is not guaranteed. Even if you are pre-qualified for a product, you must still complete and submit an application with the Participating Partner. If you choose to apply with the Participating Partner for a pre-qualified offer you have received, the Participating Partner may run a hard inquiry on your credit, which could impact your credit score. RealMetalCards will not be able to provide any information relating to qualification or non-qualification for any particular product.

You are consenting to receive communications from RealMetalCards. You understand that by participating in the Program you are agreeing to receive communications or notifications about pre-qualified offers from RealMetalCards.

Opting Out. You will be enrolled in the program for as long as you have an account with RealMetalCards, or until your account is deemed in our sole discretion to be dormant. If you no longer wish to participate in the Program, you can opt-out by notifying RealMetalCards in writing at 614 Texas Pkwy Ste. 600, Missouri City, Texas 77489 and including your name, date of birth, and email address for your RealMetalCards Account or by unsubscribing from all marketing communications https://www.RealMetalCards.com/unsubscribe.