The website and brand (the “site”) is owned and operated by the company Khaimira Marketing LLC. The company conducts its business using the brand name referred to further in the text as “”, “we” or “our”. Please note that runs and offers this website for keeping readers informed regarding the terms, conditions and noticed included in our Terms of Use as well as our Privacy Policy. Keep in mind that whenever you use our site you accept and agree without limitation to the following terms of use:

PRODUCTS AND SERVICES

Since the brand is not a lender or a lending partner, the site takes no responsibility regarding any loans and loan offers advertised or offered to our customers, or for any credit or loan decisions concerning our customers. We do not offer any loan services or products to our readers via . All such services and products are offered to customers from lenders and lending partners from our network.

ESIGN CONSENT

Please note that by clicking on the “Get Started” (or any button with the same context used for you to request being connected with a reliable lender) you are giving your e-signature. This means that you grant us your consent and approval to send your loan request to a lender within our network so that they can get in touch with you. In addition, you grant us your consent to send to you electronically any important disclosures, including but not limited to any notices lenders or lending partners are required to provide you with. Furthermore, by using the services of you affirm that you can gain access to any documents electronically sent to you as well as that you have to ability to open and save files in PDF format.

LOAN INQUIRY POLICY

Please note that reserves the right to decline any request from its customers at any time and for any reason not banned by applicable laws. You also agree that may demand from you to provide additional verification or information before processing any loan request. Only after you successfully submit all necessary information by filling out the short form featured on this site, you will be referred to a lender or lending partner, which will further consider your application on the basis on their lending procedures and policies. Please note that being contacted by the lender or lending partner does not indicate that the lender approved your loan request. Whether a loan request is approved or not depends solely on the lender. has no responsibility to take, approve or reject any loan applications submitted by customers. Any time you apply for a loan via , you agree that we can seek for alternative lenders from our network as well as for alternative loan services in case we cannot find a lender with the loan type you initially requested.

CREDIT REFERENCES

Please note that the lenders and lending partners from our network may need to verify your personal details including but not limited to social security number, driver’s license and any other official document of identification you have provided. In addition, lenders from our network may need to review and check your credit score using the services of national databases such as Experian, Transunion, Equifax, and other credit bureaus. Whenever you submit your personal details to , you give permission to the lenders from our network to verify your information as well as to check such credit score reports.

RESTRICTIONS

In order to submit a request for a loan, you must be a legal US resident and have to be at least 18 years old. Furthermore, by using our site, you agree not to use it for any illegal or inappropriate activities.

COMPLIANCE WITH LAWS

When you use our site and/or buy services or products from the third-party vendors of this site, you accept to respect all applicable statutes, regulations, ordinances as well as federal and state laws. In case notices any violations of any applicable laws, reserves the right to report these to the authorities. Moreover, we reserve the right to start an investigation in order to discover the extent and nature of such suspected and/or potential violations as well as to take the appropriate actions against them if we notice any possible or actual violations of our Privacy Policy or Terms of Use. As long as there is an ongoing investigation, we have the right to reject our services to customers who are under investigation as well as to remove information from the servers in order to minimize or prevent any additional violations from that customer. Please note that you agree to fully cooperate with us in case you become a subject of an investigation. Moreover, you are aware and knowledgeable of the fact that violating this Privacy Policy and Term of Use may lead to you becoming a subject to either criminal or civil sanctions.

INTELLECTUAL PROPERTY

Please note that everything that appears on the site, including but not limited to characters, graphics, trademarks, titles, designs, trade names, images, software, and text, represent intellectual property of , third-party licensees and anyone authorized to use those properties.

Viewing and copying any images, documents, content, pages, and materials featured on the site is permitted only for the purpose of submitting a request for a loan. Our customers do not have the right to display, distribute, transmit or disseminate any images, documents, content, pages, and materials featured on the site without receiving prior written consent from our side. Nothing featured on this site should be perceived as granting any licenses or rights to any copyright, trademark or intellectual property rights.

LIMITATION OF LIABILITY AND DISCLAIMER OF WARRANTIES

Please note that tries within all commercially reasonable efforts to provide accurate information on the site, yet that accuracy of information is not guaranteed. No representations are offered by when it comes to customers using the site or any results they may or may not achieve by using the site.

PLEASE NOTE THAT AND ALL OTHER PARTIES INVOLVED IN THE CREATION, DELIVERY AND PRODUCTION OF THIS SITE BEAR NO LIABILITY FOR ANY DAMAGES (INDIRECT, DIRECT, INCIDENTAL, CONSEQUENTIAL, PUNITIVE OR SPECIAL) THAT RESULT FROM YOU ACCESSING OR USING THIS SITE. EVERYTHING FEATURED ON THE SITE IS “AS IS” AND DOES NOT CARRY ANY WARRANTY OF ANY IMPLIED OR EXPRESS DESCRIPTION, INCLUDING BUT WITHOUT LIMITATIONS TO, ANY IMPLIED SUITABILITY FOR A WARRANTY OF MERCHANTABILITY, NON-INFRINGEMENT OR PURPOSE. ALL THESE EXCLUSION AND LIMITATIONS APPLY TO THE FULLEST SCOPE AS ALLOWED BY APPLICABLE LAWS.

THIRD PARTY CONTENT

Please, note that the site may have a third-party website link. has no responsibility for the content or privacy policies of such third-party websites. Moreover, you should not perceive those third-party website links as recommendations or endorsements of the services or products of those websites or any other party in association with the websites.

PRIVACY

The Privacy Policy of , featured here by reference, applies to any information and data submitted via this site. You can find clarification of your rights and responsibilities related to any personal data you provide. agrees not to use any customer data or information in a way considered inconsistent with the purposes and limitations guaranteed in this Privacy Policy. has the right, at ’s sole discretion, to update the Privacy Policy at any given time and without giving you prior notice. Such Privacy Policy updates and modifications come into effect from the moment of posting. By keep using and this site, you agree to those updates and modifications.

SECURITY

Your personal data is protected by via well-established technology. Despite taking all commercially reasonable measures to protect customer personal data submitted via this site, does not guarantee that other people will not decrypt or intercept your personal data. As long as all commercially reasonable security measures are applied by , takes no responsibility regarding any possible decryptions or interceptions of data except as demanded by applicable laws.

SITE USE

Please note that never charges any fees for using our services or this site. has the role of connecting customers with lenders or lending partners and is not an agent for you, lenders or vendors/suppliers and does not evaluate any loan requests submitted via this site. may get payments from lenders and any possible third parties for the services it provides to them.

LAW AND VENUE

Please note that the Bangkok, Pathumwan-based company Khaimira Marketing LLC owns and operates with . When you use the ’s site and any of its services, you agree to comply with the laws of the Bangkok, Pathumwan jurisdiction. Both the Privacy Policy and the Terms of Use of are created in compliance with the laws of Bangkok, Pathumwan, disregarding any law provision conflicts. Please note that any legal action against must be via binding arbitration and will be in accordance with the Bangkok, Pathumwan laws. Furthermore, you agree and acknowledge that any disputes with will be resolved in Bangkok, Pathumwan as the sole jurisdiction.

BINDING ARBITRATION

Please note that in case an issue arises as a result of an interpretation of any term or provision featured in the site’s Terms of Use or from any customer dealings with or any lender has connected you with will be resolved by binding arbitration. Any such arbitration resolutions shall be in compliance of all relevant regulations of JAMS based in Bangkok, Pathumwan or the American Arbitration Association. Please note that the arbitrator’s decision is final and binding for both parties. The winning party is entitled to recovery of any arbitration-related costs such as expert testimony expenses, expert travel expenses, travel expenses, and any other expenses related to proving or disproving the arbitration claim. This recovery of costs shall be provided by the other party except when the law prohibits it.

MODIFICATION

Please note that has the right to update the site’s Terms of Use from time to time without sending a prior notice to customers. By continuing to use the site after such updates and modifications are made, you agree and accept any such updates and modifications.

INDEMNIFICATION

By using the ’s site, you accept that and any of its affiliates, officers, agents, partners, subsidiaries and employees are defended, indemnified and deemed harmless from any claim, loss, liability or demand such as attorney’s fees, created by any third party and arising from your attempted or actual use of this site.

VIOLATION OF THE TERMS OF USE

Please note that in case suspects or discovers any violation of the Terms of Use and/or the Privacy Policy or if believes that any content provided by you is offensive or disruptive or violates any applicable laws, reserves the right at its own discretion and without sending a prior notice to you to restrict your access to the site alongside any services offered to you and to remove any such content provided by you.

CLASS ACTION WAIVER

PLEASE NOTE THAT ANY RESOLUTION, ARBITRATION OR LITIGATION ANY DISPUTES SHALL BE RESOLVED EXCLUSIVELY ON THE CASE-BY-CASE PRINCIPLE. YOU AGREE THAT NEITHER NOR YOU WILL DEMAND TO HAVE A DISPUTE RESOLVED AS A CLASS ACTION, OR ALTERNATIVELY AS A PRIVATE ATTORNEY GENERAL ACTION, OR ANY OTHER RESOLUTION WHERE ANY OF THE CONCERNED PARTIES WILL PROPOSE TO ACT OR ACTUALLY ACT IN A REPRESENTATIVE CAPACITY. NO DISPUTE, ARBITRATION OR PROCEEDING SHALL BE COMBINED WITH ANOTHER DISPUTE, ARBITRATION OR PROCEEDING WITHOUT A PRIOR CONSENT IN WRITING PROVIDED BY ALL CONCERNED PARTIES TO ALL SUCH DISPUTES, ARBITRATIONS OR PROCEEDINGS. MOREOVER, BY USING THIS SITE AND SERVICES YOU ACKNOWLEDGE AND ACCEPT NOT TO SEEK HEARING AS A CLASS ACTION OR ALTERNATIVELY A PRIVATE ATTORNEY GENERAL ACTION OR ANY OTHER PROCEEDING WHERE ANY CONCERNED PARTY PROPOSES TO ACT OR ACTUALLY ACTS IN A REPRESENTATIVE CAPACITY ANY DISPUTE AGAINST ANY LENDER WITH WHOM YOU HAVE BEEN CONNECTED BY USING THIS SITE. PLEASE NOTE THAT THIS CLASS ACTION WAIVER SHALL BE APPLIED TO THE FULL SCOPE ALLOWED BY APPLICABLE LAWS BUT MAY BE LIMITED BY APPLICABLE LAWS AS WELL.

MISCELLANEOUS

Any references to the brand include the company Khaimira Marketing LLC. Please note that any rights that have not been expressly granted to our users remain solely for . uses the Terms of Use headings to provide ease of reference and these headings do not have any effect on the construction or interpretation thereof. Any failure by to either enforce or insist upon enforcing any of the provisions in these Terms of Use does not work as a waiver of such provision or any other provision or right. In case any of the provisions featured in the Terms of Use are invalid or unenforceable, that does not affect those provisions in any other regard or any other provision included in the Terms of Use, which apply in full scope and force. Please note that the Terms of Use and the Privacy Policy of represents the full agreement and understanding between the concerned parties and regarding the subject matter featured in them. They also replace and supersede any previous oral or written agreements regarding the subject matter.

TERMS AND CONDITIONS REGARDING SMS

Our SMS Subscription Service is available on most carrier including AT&T, T-Mobile, U.S. Cellular, Sprint, Cellular One, MetroPCS, Virgin Mobile, Boost and Alltel Wireless. We send 3 messages per week and please note that certain Messaging and Data rates may apply. To receive SMS from us you need a text-enabled handset. Text STOP to 55702 in order to cancel your SMS subscription. Text HELP to 55702 to get information directly on your phone. Alternatively, you can get in touch with us at info@charm.co. Our SMS Subscription Service will be valid and ongoing until you cancel the service. Carriers take no responsibility for any undelivered or delayed messages.

All licensees agree to all Khaimira Marketing LLC policies as well as to the policies of carries when it comes to user-interaction, transmission, and content of the messages as explained below in the text. Any violations of the clauses may lead to disabling the short code on supporting carriers of Licensees.

When it comes to SMS-mobile marketing, all licensees agree to follow the MMA guidelines as well as the appropriate code of conduct.

All licensees must make sure that all content and materials will not be or include anything:

  • inappropriate, including but not limited to profane language, drug references, references to gambling or promotion of drug use;
  • defamatory, obscene, or unlawful;
  • violation of intellectual property rights or third-party rights;
  • false, misleading, deceiving (such as information related to the source or author of the messages);
  • sexually explicit images;
  • promoting violence of discrimination;
  • assisting illegal and unlawful activities;
  • advertising or promoting competitors of the carrier in case the content is delivered to customers using a certain carrier.

Licensees must give all consumers instructions on how to “unsubscribe” from getting messages from them. These instructions must be included in the first message sent by the licensee to a user. The message must feature all the points listed below, not particularly in the same order:

  • name or identity of the licensee;
  • a short description of the service;
  • the number and frequency of messages sent via the service;
  • any details regarding charging fees;
  • instructions on how to “unsubscribe”
  • contact details;
  • information about where to seek assistance or URL.

The sole responsibility for providing details, through the Software of Khaimira Marketing LLC, to consumers on how to subscribe for SMS Subscription Service and how to unsubscribe from receiving any campaigns in case they do not wish to receive such text messages anymore belongs to the licensee. The licensee guarantees and ensures that it will send and keep sending text messages only to customers who have subscribed for such text messages and who have not used the unsubscribe option.

Subject to all the conditions and terms featured in this Agreement, you hereby acknowledge and agree on the following:

The service provided by us can only be used for lawful and legal purposes.

You will neither access nor use any third-party mailing lists for mobile phone numbers, instant message screen names, email addresses or in any other way prepare or distribute any unsolicited messages related to our services.

You accept and acknowledge to use, access or import only mailing lists where all listed parties have previously given their consent and approval to receive text messages from you (such lists are known as “Permission Based Lists”), in relation to your use of our products and services. Furthermore, you hereby agree not to use or obtain any other kinds of lists where members have not provided prior consent to receive correspondence related to our services.

You acknowledge and accept that not all Khaimira Marketing LLC service messages will be received by the intended recipient.

Any message related to our services you send to consumers must feature the Khaimira Marketing LLC “unsubscribe” option that enables consumers to easily remove themselves from the mailing lists.

Our licensee must include a prominent link on a public website that leads to the Terms and Conditions of the SMS Subscription Service, where recipients can find instructions on how to either update or remove their data from the mailing database as well as for instructions on how to unsubscribe.

Khaimira Marketing LLC has the right to allow particular keywords and templates within campaigns in order to guarantee the continued availability of the short code given to licensees via supporting wireless carriers. For instance, here are the keywords that will be featured in all mailing campaigns:

- (in-built-unsubscribe) STOP, QUIT, CANCEL, END, UNSUBSCRIBE

– (in-built-help) HELP

Please note that any advertising material (printed, online, television or radio) that encourages participation in text-based activities with licensees MUST feature the following disclaimer: “Standard messaging charges may apply in accordance to your carrier prices. Send HELP to [enter a short code number] for additional information. Send STOP to [enter a short code number] to unsubscribe from the service. Visit [insert URL of T&C] to find full Terms & Conditions.” When applicable, the featured URL must be linked to the contest rules and/or the particular promotion. Please note that the licensees should consult with a legal counsel.

Licensees agree that all SMS messages will include a reference to the name or brand of the licensee.

Contests:

Any licensees official contest rules must feature the complete and full Khaimira Marketing LLC provided Contest Rules text. Licensees should use their legal counsel for advice where and when official contest rules must be advertised or posted.

The licensee must send a “REBOUND” message as an entry confirmation and the message must include the following details: [sponsor name], HELP to Help, STOP to Unsubscribe, standard messaging charges apply.

Please note that Khaimira Marketing LLC does not endorse or approve any message that features references to alcohol or gambling. Any promotion of these topics to SMS subscribers must be considered and advised by the licensees’ legal counsel and in accordance with FCC, FTC and all applicable state laws. The legal counsel of the licensee must take into consideration the fact that SMS subscribers who receive such promotions could be of any age. Licensees acknowledge and accept that no legal advice shall be provided by Khaimira Marketing LLC to them.

Licensees accept and acknowledge to make all reasonable efforts to guarantee that any messages, especially pushes, will go to recipients who have subscribed to receive such messages from licensees. All the risks and responsibilities of sending messages to recipients who have not subscribed for the services belong to the licensees.

Licensees acknowledge that the messaging services will support only Google Chrome ™ / Internet Explorer 6.0 or newer / Firefox ™ / Apple Safari ™. Khaimira Marketing LLC does not guarantee support in case licensees decide to use the platform of Khaimira Marketing with a different web browser.

Please note that any standards and restrictions may occasionally change depending on the requirements from the carrier. Khaimira Marketing LLC has the right to update them at any moment in order to remain compliant with the requirements of the carrier and the best practice standards of the industry.

ANTI-SPAM Policy – Khaimira Marketing LLC grants businesses and organizations a rich range of tools for collecting names, email addresses, IM screen names, and mobile numbers. Any services provided by Khaimira Marketing LLC must NOT be used for sending spam i.e. unsolicited messages. Khaimira Marketing LLC has a strict “no tolerance” policy regarding spam. The customer support team of Khaimira Marketing LLC will diligently track large import lists alongside messages sent to a considerable number of individuals. Khaimira Marketing LLC will instantly ban from using their services any licensee that uses the company’s services for spamming. In case you know or suspect any such violators, please get in touch with us immediately. All messages sent using the Khaimira Marketing LLS services must include a compulsory link for unsubscribing. If that unsubscribe link is either deactivated or non-existent, depending on the situation, Khaimira Marketing LLC shall either terminate or suspend the account of that customer, until the unsubscribe link is reactivated.

The Do Not Text List. In a case, a consumer has demanded either verbally or in writing that they do not wish to receive any Service from you or on your behalf, you accept and promise to remove all their data and provided information from this mailing list. Furthermore, you accept and acknowledge to keep any contact lists and database delivered to Khaimira Marketing LLC updated, before the start of the Khaimira Marketing LLC Services on behalf of you. You agree to make sure that no email address or phone number of individuals who have unsubscribed from receiving any correspondence or SMS will be included in any contact list (phone and/or email) you provide to us. There is a Global Permanent Removal List owned and maintained by Khaimira Marketing LLC that includes addresses and domains and that does not allow customers to add to the database. You accept and acknowledge that Khaimira Marketing LLC reserves the right to, at its own discretion, prevent the adding of any mobile phone number that is included in the Global Permanent Removal List and has no liability for blocking such addresses from any customer database. Any recipient of messages can unsubscribe from receiving any further correspondence from licensees via the Khaimira Marketing LLC platform simply by clicking on the footer of Khaimira Marketing, the Unsub button or by contacting Khaimira Marketing LLC at the info@charm.com address. You accept and understand that Khaimira Marketing LLC reserves the right to add individuals on its Global Permanent Removal List if such a situation arises.

You represent and are responsible for any cell phone number owners who have subscribed or given consent to receive messages or broadcasts via the Khaimira Marketing LLC Services. You understand and promise to add a clear unsubscribe or opt-out instructions in every fourth message send through the Khaimira Marketing LLC Services. Furthermore, you agree to work in compliance with the Mobile Marketing Association advocated Consumer Best Practices Guidelines.

Additionally, you acknowledge and accept to immediately place on the “Do-Not-Call” (“DNC”) account list any person who requests to have a DNC status as well as to immediately remove them from any approved contact lists provided to Khaimira Marketing LLC Service and Khaimira Marketing LLC Sites. You accept and promise to follow and stay updated with any applicable national, state, local and international regulations and laws. Moreover, you accept and acknowledge that you hold the sole responsibility for any acts or omissions occurring in your account, including but not limited to any content or message sent via the Services of Khaimira Marketing LLC. In addition, you accept and promise to stay up to date with the legal status of any messages, calls, campaigns, and broadcasts sent via the Services of Khaimira Marketing LLC by regularly visiting the following websites:

  1. The Federal Communications Commission, http://www.fcc.gov
  2. The DoNotCall Registry http://www.donotcall.gov
  3. The Federal Trade Commission, http://www.ftc.gov
  4. The DNC list registry rules (http://www.donotcall.gov)

Furthermore, you must make sure to follow different regulations, rules and state laws when it comes to restrictions applicable to the particular text message or phone call types. Khaimira Marketing LLC does not attempt to interpret any such regulations, rules, and laws. Khaimira Marketing LLC simply provides this information to you as a courtesy. This does not replace your responsibility to stay up to date and in compliance with all applicable legal requirements related to your campaigns, messages, and broadcasts before sending them via the Khaimira Marketing LLC Services. You are solely responsible for making your own informed decisions when it comes to any of your campaigns, messages, and broadcasts.

CONTACT DETAILS:

Name of Company: Khaimira Marketing LLC
Address: 23rd Floor, Athenee Tower 63 Wireless Road Athenee Tower, Bangkok, Pathumwan, 10330
Email Address: info@charm.co

DETAILS FOR ISPs:

Website: www.
Email Address: info@charm.co

PLEASE BE AWARE THAT IN CASE YOU HAVE ANY QUESTIONS REGARDING THE STATUS OF YOUR LOAN REQUEST, YOU SHOULD CONTACT THE LENDER DIRECTLY. IS NOT A LENDER AND THEREFORE CANNOT ACCESS ANY INFORMATION REGARDING THE STATUS OR APPROVAL OF YOUR LOAN.

NOTICE AND TAKEDOWN PROCEDURES

In case you believe or have a cause to suspect that any content or materials featured on this site infringe your copyright or any other intellectual property, you can demand the removal of any such content (or access) from this site by getting in touch with our own copyright agent (whose details are provided below) and by providing the following necessary information:

Identification of any copyrighted content that you believe is being infringed. Please note that our copyright agent will need a description of the content and, if possible, a copy of the content or a location (URL, for example) of a version that has been authorized.

  1. Identification of any copyrighted content that you believe is infringed alongside its location.
  2. Describe the content and, if possible, provide a URL or any other relevant details that can enable locating the content.
  3. Please provide your name, telephone number, address, and email address.
  4. Your good faith statement that you believe that the use of the content is not allowed by the owner of the copyrights or its agent or any applicable laws.
  5. A statement that your submission is true and “under penalty of perjury” you own the copyrights of the content or that you are an authorized agent of the owner of the copyrights.
  6. Please provide a signature or electronic equivalent either from the holder of the copyrights or their authorized agent.

Please send all the above mentioned information to the email address:

Legal Department

Email Address: info@charm.co

Please make sure to include the following subject line for any email submissions regarding takedown requests:

DMCA Takedown Request.