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Website Terms of Use
This website is offered to you conditioned on your acceptance, without modification, of the terms, conditions and notices contained in these Terms of Use (this "Agreement"). Your use of this website constitutes your agreement to the terms, conditions and notices from time to time set forth at this website.
General Information
The lender that provides the loans is First Bank of Delaware, Wilmington, Delaware. An Equal Opportunity Lender, Member FDIC. By using this website, you have chosen to do business in Delaware. All loan applications are submitted, and all loans are made, in Delaware.
Products and Services

Loans are not available to consumers that are residents of any of the following states: Georgia, Indiana, Iowa, Maryland, Massachusetts, New Jersey, New York, North Carolina, or Wisconsin.

Not all consumers will be eligible for the loans described at this website, and First Bank of Delaware reserves the right to reject applications that do not comply with its requirements.

Security
We use sophisticated secure technology to protect your personal information. Although we have taken reasonable measures to provide for the security of certain information that you send to our website, we cannot guarantee and accept no responsibility for any interception or decryption by others.
How Do We Secure Information Transmissions?
When you send personal loan application information through our website, a secure server software, such as Secure Socket Layer (SSL) or Secure Electronic Transaction (SET), encrypts all information you input before it is sent. The information is scrambled en route and decoded once it reaches its destination. Other e-mail that you may send to us may not be secure unless we advise you that security measures will be in place prior to your transmitting the information. For that reason, we ask that you do not send confidential information such as social security or account numbers through an unsecured e-mail. Sensitive communications should be transmitted by calling us toll free 1-800-713-6650.
How Do We Protect Your Information?

Information Security. We utilize Secure Socket Layer (SSL) and Transport Layer Security (TLS) to safeguard the confidentiality of personal information from unauthorized access or disclosure and accidental loss, alteration or destruction.

Evaluation of Information Protection Practices. Periodically, our operations and business practices are reviewed for compliance with corporate policies and procedures governing the security, confidentiality and quality of our information.

Employee Access, Training and Expectations. Our corporate values, ethical standards, policies and practices are committed to the protection of your information. In general, our business practices limit employee access to confidential information and the use and disclosure of such information to authorized persons, processes and transactions.

How Do We Protect Children?
We do not knowingly solicit data from nor knowingly market to children. Our website is directed to adult existing and potential customers. Parents can use various readily available software packages to prevent their children from accessing websites, which they deem to be inappropriate. Parents can choose to utilize this and other methods to limit the websites to which their children have access.
Website Use Information and Cookies

Similar to other commercial websites, our website utilizes a standard technology called "cookies" and web server logs to collect information about how our website is used. Information gathered through cookies and web server logs may include the date and time of visits, the pages viewed, time spent at our website, and the website visited just before and just after our website. This information is collected on an aggregate basis. None of this information is associated with you as an individual.

"Cookies" are a feature of web browser software that allows web servers to recognize the computer used to access a website. Cookies are small pieces of data that are stored by a user's web browser on the user's hard drive. Cookies can remember what information a user accesses on one web page to simplify subsequent interactions with that website by the same user or to use the information to streamline the user's transactions on related web pages. This makes it easier for a user to move from web page to web page and to complete secure commercial transactions over the Internet. Cookies should make your online experience easier and more personalized.

Website Use
You may use this website free of charge. Any solicitation to obtain a loan is made solely by First Bank of Delaware, which is the lender that makes the loan. Any provider of services in connection with the operation of this website is providing services solely to First Bank of Delaware and is not assisting you in any manner with respect to obtaining a loan.
Limitation of Liabilities and Warranties
We intend that the information at this website be accurate and reliable but shall not be responsible if errors occur. We can make changes and improvements to this website and information at this site at any time. WE DISCLAIM ANY WARRANTY, WHETHER EXPRESS OR IMPLIED, RELATED IN ANY WAY TO THIS WEBSITE, TO THE FULLEST EXTENT OF THE LAW. USE THIS WEBSITE AT YOUR OWN RISK. NEITHER WE, NOR ANY COMPANY THAT OPERATES THIS WEBSITE, WILL BE LIABLE FOR ANY DIRECT, INDIRECT, PUNITIVE, INCIDENTAL, CONSEQUENTIAL OR SPECIAL DAMAGES IN ANY WAY ARISING OUT OF, OR CONNECTED TO, THE USE OF OR, ANY INABILITY TO USE THIS WEBSITE OR FOR ANY ERROR OR DELAY IN THE TRANSMISSION OF INFORMATION TO, FROM OR THROUGH THIS WEBSITE. Any links from this website to websites maintained by third parties are provided for your convenience only. We are not in any way responsible for the content, or your use, of any such third party website. The appearance here of any third party website does not imply any endorsement by us with respect to any such third party website, its contents, its sponsor or any products or services offered at or through such third party website.
Indemnity
As a condition of your use of this website, you agree to indemnify First Bank of Delaware and any company that provides services in the operation of this website from and against any and all damages, liabilities, losses, costs or expenses (including attorneys' fees) arising out of, relating to or resulting from your use or attempted use of this website.
Governing Law and Other Terms
This Agreement is subject to and is to be construed in accordance with the laws of the State of Delaware, without regard to internal principles of conflicts of laws, and applicable Federal law of the United States of America. You consent to the exclusive jurisdiction of the federal and state courts located in NewCastle County, in the State of Delaware, for any and all disputes arising out of this Agreement. You may not use this website in any jurisdiction that does not give effect to each and every provision of this Agreement. This Agreement constitutes the entire agreement between you and us and supersedes any and all prior or contemporaneous agreements, whether oral, written or electronic, between us. The headings used in this Agreement are for the convenience of reference only and are not intended to define or describe the scope or intent of any portion of this Agreement. In the event that any provision of this Agreement is determined to be invalid or unenforceable for any reason, then such provision should be deemed to be reformed to match as closely as possible the intent of the original provision and all other provisions of this Agreement shall remain in effect. Any bona fide printed or electronic version of this Agreement shall be admissible in any proceeding before a court, arbitrator or other authority.
Copyrights and Trademarks
Copyright© 2005 Consumer Direct Lending Services, LLC. All rights reserved. All names and trademarks used at this website are the property of their respective owners. Any names and trademarks that are owned by third parties are used here by us with permission.
First time customers are eligible to receive no more than $300. Loans are currently not available to residents of GA , IN , IA , MD , MA , NJ , NY , NC , or WI .
©2005 Consumer Direct Lending Services, LLC. All rights reserved.
Loans are made by First Bank of Delaware. Member FDIC.

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