Terms of Service
This Privacy and Federal Privacy Notice (the “Policy”) is between GWOP Solutions, a limited liability company duly organized under the laws of the State of Colorado (“GWOP Solutions, Company, us, we, our”), and the User(s) of this website (“Users, you”), which you must accept to use any aspect of this website. By continuing to use this website, you assent to each term in this Policy, and you acknowledge that you have had the chance to review, consider, and agree to this Policy. If you do not understand or agree to this Policy, then you agree to immediately cease your use of this website.
We have prepared this Policy to explain how we collect, use, protect, store, and disclose information and data when you use GWOP Solutions’s websites, services, and mobile applications, if one is developed; however, this Privacy Policy does not cover any information that we may receive about you through sources other than the use of our Website. This Privacy Policy also explains your choices for managing information preferences, including opting out of certain uses of your personal information. By accessing or using GWOP Solutions’s websites, mobile applications, or services, you consent to this Privacy Policy.
If you have questions or complaints regarding our Privacy Policy or practices, or if you need assistance in exercising any of your choices under this Privacy Policy, please contact us Info@GWOPSolutions.com.
This policy applies to all current and former GWOP Solutions customers. Note that, in order to use our services, you must be 18 years of age or older.
Effective January 1, 2020, the California Consumer Privacy Act (“CCPA”) provides specific rights and protections to California residents. If you are a California resident, please see the section entitled “Notice to California Residents” below for more information.
INFORMATION GWOP Solutions COLLECTS ABOUT YOU
Depending on how you use our Website, you will be subject to different types of Personal Data collected and different manners of collection:
All Users: The Passive Data Collection that applies to Unregistered users shall also apply to all other users and/or visitors of our Website.
Co-applications: We may also collect information that you provide to us about your co-applicant in connection with a joint application, loan application, and/or any of GWOP Solutions’s other financial products. By submitting information about someone other than yourself, you represent that you are authorized to provide us with that person’s information for the purposes identified in this Privacy Policy and/or in connection with our services.
Combined or Aggregated Information: We may combine or aggregate some of your Personal Data in order to better serve you and to better enhance and update our Website for your and other consumers’ use. We may also share such aggregated information with others, but only if that aggregated information does not contain any Personal Data.
Content Interaction: Our Website may allow you to comment on the content that we provide or the content that other users provide, such as blogs, multimedia, or forum posts. If so, we may collect some Personal Data from you at that time, such as, but not limited to, username or email address.
Email Marketing: You may be asked to provide certain Personal Data, such as your name and email address, for the purpose of receiving email marketing communications. This information will only be obtained through your voluntary disclosure and you will be asked to affirmatively opt-in to email marketing communications.
Financing Platforms: You may also provide your information to certain third-party financing platforms who will process your application for credit and may provide your information to us. The use of your information by that online financing platform is governed by that company’s privacy policy.
Inquiry Data: In addition, we gather names, email addresses, and phone numbers of people who contact us with questions. We collect this information only for the purpose of responding to inquiries. If you use our referral program, we will collect information from you in order to process your referral request.
Registered Users: You, as a user of the Website, may be asked to register in order to use the Website or to purchase the Services available for sale. During the process of your registration, we will collect some of the following Personal Data from you through your voluntary disclosure:
Name, email address, physical address, billing address, phone number, and Personal Data may be asked for in relation to:
Interaction with our representatives in any way;
Making purchases;
Receiving notifications by text message or email about marketing;
Receiving general emails from us; and/or
Commenting on our content or other user-generated content on our Website, such as blogs, articles, photographs or videos, or participating in our forums, bulletin boards, chat rooms or other similar features.
By undergoing the registration process, you consent to us collecting your Personal Data, including the Personal Data described in this clause, as well as storing, using, or disclosing your Personal Data in accordance with this Policy.
Related Entities: We may share your Personal Data, including Personal Data that identifies you personally, with any of our parent companies, subsidiary companies, affiliates or other trusted related entities; however, we shall only share your Personal Data with a trusted related entity if that entity agrees to our privacy standards as set out in this Privacy Policy and to treat your Personal Data in the same manner that we do.
Sales & Billing Information: In order to purchase any of the services on the Website, you will be asked to provide certain credit information, billing address information, and possibly additional specific information, so that you may be properly charged for your purchases. This payment and billing information will not be stored and will be used exclusively to assist with your one-time purchase.
Unregistered Users: If you are a passive user of the Website and do not register for any purchases or other service, you may still be subject to certain passive data collection (“Passive Data Collection”). Such Passive Data Collection may include through cookies, as described below, IP address information, location information, and certain browser data, such as history and/or session information.
User Experience: From time to time we may request information from you to assist us in improving our Website, and the Services we sell, such as demographic information or your particular preferences.
Information Gathered Based on Your Activity on the GWOP Solutions Websites
In order to provide services to you, improve our business, and maintain records required by law, GWOP Solutions collects information about your transactions and activity. For purchasers of GWOP Solutions’s financial products, this includes your payment or transaction history. For all users, GWOP Solutions and/or its service providers collect information about your visits to our website and other GWOP Solutions websites and the computer or device through which you access our websites, such as your IP address, geographical location, operating system, browser type, referral source, time and length of visit, button clicks and/or page views, and your mobile device identifier (IDFA or AAID). With respect to individuals that have not created user accounts with Imrpuvu, we do not associate the information that we collect with a particular consumer or household.
If GWOP Solutions develops a mobile app(s), the mobile app(s) may periodically collect, transmit, and use geolocation information to enable certain features, including features that prevent fraudulent card use and send alerts, but only if you expressly authorize collection of such information. Geolocation information can be monitored on a continuous basis in the background only while the mobile app is being used or not at all, depending on your selection. You can change your location permissions at any time in your mobile device settings.
Tracking Technologies
Cookies and Web Beacons.
GWOP Solutions and our marketing partners and service providers use technologies such as but not limited to cookies, beacons, tags, and scripts, to analyze trends, administer the GWOP Solutions websites, track users’ movements around the GWOP Solutions websites, and gather information about our user base as a whole. We may receive reports on this activity on an individual and aggregated basis.
We use cookies when you interact with GWOP Solutions websites to keep track of your personal session, help authenticate your account, and detect fraud. Cookies are also used to gather statistical data, such as which pages are frequently visited, what is downloaded, and the address of sites visited immediately before or after coming to GWOP Solutions websites. You can control the use of cookies within your web browser; however, if you reject cookies, your ability to use some features or areas of GWOP Solutions websites may be limited.
Social Network Plugins.
This Website incorporates plugins and/or buttons for social networks, in order to allow easy sharing of content on your favorite social networks. These plugins are programmed so as not to set any cookies when accessing the page, to safeguard the privacy of users. Cookies may be set, however, if you make voluntary use of the plugin. Please note that if you browse while being logged into the social network, then you have already consented to the use of cookies conveyed through this Website at the time that you registered with the particular social network.
The collection and use of information obtained by means of the plugin are governed by the respective privacy policies of the social networks, which can be found below:
Facebook:
https://www.facebook.com/help/cookies
Twitter:
https://help.twitter.com/en/rules-and-policies/twitter-cookies
Google+:
https://about.pinterest.com/it/privacy-policy
Pinterest:
https://about.pinterest.com/it/privacy-policy
Add This:
http://www.addthis.com/privacy/privacy-policy
LinkedIn:
https://www.linkedin.com/legal/cookie-policy
Third Party Technologies.
We also may partner with third parties to manage our advertising services on other websites and evaluate overall GWOP Solutions website performance, and/or to collect certain information when you visit and interact with GWOP Solutions websites and services. These third party companies may use technologies such as cookies to recognize browsers and to gather information about your activities on GWOP Solutions websites and other sites in order to provide you advertising based upon your browsing activities and interests or help us track the success of our marketing efforts, your interactions with GWOP Solutions websites, and overall GWOP Solutions website performance.
We may use Third-Party Service Providers to assist with information storage, such as cloud storage, and to host GWOP Solutions websites. In this instance, the Third-Party Service Provider will have access to your Personal Data; however, we will not knowingly share your Personal Data with any third parties other than in accordance with this Policy.
If your Personal Data is ever at risk of being provided to a third party in a manner other than as explained in this Policy, you will be notified, and be given the opportunity to request that we not share that information. Moreover, in general, you may request that we do not share your Personal Data with third parties.
Please contact us via email, at Info@GWOPSolutions.com, but please note this does not opt you out of being served ads. You will continue to receive generic ads.
Usage Data & Site Activity.
GWOP Solutions primarily uses your Personal Data to help us provide a better experience for you on our Website and to provide you the services and/or information you may have requested, such as use of our Website. We also use Local Storage, such as HTML5, to store content information and preferences. Various browsers may offer their own management tools for removing HTML5.
Do-Not-Track Signals
GWOP Solutions does not process or respond to “do not track” signals or other similar signals whereby a visitor to a website requests that it disable collection of information about the visitor’s online activities over time and across different websites.
Location
Please be advised the data processing activities take place in the United States, outside the European Economic Area. Data may also be transferred to companies within the United States, but will only be done so in a manner that complies with the EU’s General Data Protection Regulation or GDPR. The location where the data processing activities take place is as follows:
1001 Bannock St. Suite #605 Denver, CO, 80204
HOW GWOP Solutions USES YOUR INFORMATION
Processing Your Transaction/Providing You Services
If you become a Registered User and/or apply for one of GWOP Solutions’s financial products, GWOP Solutions will use your information to facilitate services provided to you. This may include:
Generating your account profile, processing your application for financial products, and verifying your identity and application information;
Improving your personal user experience;
Enabling automatic payments and fund transfers with other financial institutions;
Implementing collection activities as needed;
Communicating with you concerning your application, account, and/or transactions with us;
Marketing and advertising to you;
Fulfilling your purchases;
Providing other customer service to you;
Informing you of updates to the website or related Items; and
Addressing any disputes you may raise.
Analysis & Data Optimization
GWOP Solutions also uses your information to conduct analyses related to our services and GWOP Solutions websites. We use this information to improve our financial services. We also use this information to improve GWOP Solutions websites’ usability and to evaluate the success of particular marketing campaigns and other activities.
Marketing & Surveys
GWOP Solutions may also use your personal information to select you for certain marketing communications, newsletters, surveys and/or requests for feedback regarding your experience. GWOP Solutions may use your personal information both to select you for offers and to communicate offers to you.
Opting out of Transmittals
From time to time, GWOP Solutions may send you informational or marketing communications related to our Website, such as announcements or other information. If you wish to opt-out of such communications, you may contact the following email:
Info@GWOPSolutions.com. You may also click the opt-out link which will be provided at the bottom of any and all such communications.
Please be advised that even though you may opt-out of such communications, you may still receive information from us that is specifically about your use of our Website or about your account with us.
By providing any Personal Data to us, or by using our Website in any manner, you have created a commercial relationship with us. As such, you agree that any email sent from us or third-party affiliates, even unsolicited email, shall specifically not be considered SPAM, as that term is legally defined.
HOW GWOP Solutions SHARES YOUR INFORMATION
GWOP Solutions will share your personal information with nonaffiliates (companies not related by common ownership or control) and among affiliates (companies related by common ownership or control, including but not limited to the companies covered by this policy) only in the ways that are described in this Policy. By law, you are permitted to limit some types of sharing, but not others.
GWOP Solutions shares your information with third parties as permitted by law, including in the following specific ways:
Affiliates.
GWOP Solutions affiliates, including entities covered by this policy and other companies related by common ownership or control may share your information with each other, including information related to your creditworthiness, for purposes of general business analysis, or to present targeted marketing to you or others. Your rights with respect to this sharing are discussed in the following section.
Co-Applicants / Co-Borrowers.
We may share certain limited information with your co-applicant / co-borrower in order to process your application and/or loan or service your account, and as needed to provide our services.
Credit Bureaus.
GWOP Solutions may share your personal information with credit bureaus to meet our credit reporting obligations.
Legal Requests & Regulatory Requirements.
GWOP Solutions may also share information to comply with any applicable law, regulation, legal process, or governmental request; or for the purposes of limiting fraud; or in connection with an audit or the sale of GWOP Solutions to a third party.
Lending Partners.
All types of credit offered through GWOP Solutions are fulfilled by a third party bank(s) or non-bank lending partner(s) that may extend credit to you (“Lending Partners”). If you apply for a loan or credit card through GWOP Solutions, you are also providing your information to the potential Lending Partners, and further information may be provided to those Lending Partners after your loan originates or your card is issued. The use of your information by your Lending Partner is governed by that Lending Partner’s privacy policy.
Merchants or Service Providers.
If you applied for a loan to be used with a merchant or service provider, GWOP Solutions may share your information with the merchant or service provider associated with your loan application.
Public Information.
We may allow users to post their own content or information publicly on our website. Such content or information may include, but is not limited to, photographs, status updates, blogs, articles, or other personal snippets. Please be aware that any such information or content that you may post should be considered entirely public and that we do not purport to maintain the privacy of such public information.
Referral Partners.
If you were referred to GWOP Solutions by another company (a “Referral Partner”) or person, GWOP Solutions will share your information as necessary to honor the terms of its agreement with that Referral Partner or person and to process your transaction. In some cases, GWOP Solutions may share with a Referral Partner for that Referral Partner’s own business purposes, such as to analyze and improve its business and provide targeted marketing to you. Your rights with respect to this sharing are discussed in the following section.
Sharing of Anonymized Data.
GWOP Solutions may share aggregated and anonymized data sets with third parties, including but not limited to business partners, service providers, and among GWOP Solutions affiliates. No personally identifiable information will be included in these data sets.
Third Party Service Providers.
GWOP Solutions relies on third party service providers to help us conduct our business and marketing activities, such as maintaining our files and records, hosting GWOP Solutions website, offering customer service, sending marketing communications, or facilitating fund transfers. GWOP Solutions may share your information with such companies, which are authorized to use your personal information only as necessary to provide these services to GWOP Solutions. Information may also be shared among affiliates (including but not limited to the companies covered by this policy) for this purpose where one affiliated company provides services to or on behalf of another affiliated company in connection with your account or application.
Your Consent.
GWOP Solutions may share your personal information with third parties at your direction or whenever you consent.
IMPORTANT PRIVACY CHOICES
Consent to information sharing with third party companies (Referral Partners)
By accepting this Policy, you agree that GWOP Solutions may immediately begin sharing your information with any third party company that referred you to GWOP Solutions so that that company may use your information for their own business purposes, including to market to you. For example, if you were referred to GWOP Solutions by another company through a website link or telephone transfer, GWOP Solutions may share some of your information, such as the existence and terms of your financial products, with that company. You may revoke this consent at any time by following the procedures outlined below. If you revoke consent we will not subsequently share your information with these companies except as necessary to complete the transaction you initiated.
Right to restrict information sharing with companies we own or control (affiliates)
GWOP Solutions may share your information among affiliated companies whether or not those companies are covered by this policy. Federal law gives you the right to limit this sharing where it includes information about your creditworthiness other than your transactions and experiences with GWOP Solutions or is used for the purpose of marketing to you. If you would like to opt-out of this type of sharing, please follow the instructions below. We may begin sharing your information related to your creditworthiness or any information to be used for marketing purposes thirty (30) days from the date that we first provided this notice if you have not opted-out.
If you wish to opt-out of such information sharing, you may contact the following email: Info@GWOPSolutions.com. Please note that your opt-out choices will also apply to your co-borrower.
Rights in relation to your Personal Data
Specifically, federal law gives you the right to:
Be informed about the processing of your Personal Data;
Have access to your Personal Data;
Update and/or correct your Personal Data;
Portability of your Personal Data;
Oppose or limit the processing of your Personal Data;
Request that we stop processing and delete your Personal Data;
Block any Personal Data processing in violation of any applicable law; and
Launch a complaint with the Federal Trade Commission (the “FTC”) in the United States or applicable data protection authority in another jurisdiction
Such rights can all be exercised by contacting us at the following email: Info@GWOPSolutions.com.
If you would like to exercise your right to opt-out of information sharing by a company affiliated with GWOP Solutions but not covered by this policy, you must consult that company’s privacy policy for instructions on how to exercise your right to opt-out of their information sharing.
ADDITIONAL FACTS ABOUT YOUR PERSONAL INFORMATION
How GWOP Solutions Secures Your Information
GWOP Solutions uses significant safeguards, including physical, technical (electronic), and operational controls to protect your personal information, both during transmission and once received. If you have any questions about the security of your information, you can contact us at the following email: Info@GWOPSolutions.com.
GWOP Solutions equips all servers with a Secure Socket Layer (SSL) certificate to ensure that when you connect to our websites you can tell that you are actually on our site and that all data entered into the websites are transmitted to us in a secure encrypted channel. Once on our system, personal information can only be read or written through defined service access points, the use of which is password-protected. Data security is achieved through technical safeguards that include a combination of encryption, firewalls, intrusion prevention system, malware detection system, and data loss prevention systems. GWOP Solutions also conducts vulnerability scans of applications and systems regularly.
Access to the system is tightly controlled and limited to only those who have a need to access information. Administrative safeguards such as a security awareness program, background checks, and internal information use policy ensure that only trained and trusted staff are permitted to access personal information. Some additional features of our security program include:
Account Authentication
If you have an account, at a minimum, we require that you use a password or follow other secure steps we have instituted to allow you to access your account. If you create a password, you must use both numbers and letters in your password. We have also instituted secure steps by which you can regain access to your account should you forget your password. You should always choose a password that is difficult for others to guess and change your password frequently.
Secure Data Center
We store all sensitive financial information in state-of-the-art, highly secure data centers that are audited per AICPA SOC for Service Organizations. Physical access to the data centers is strictly controlled and we use the latest threat prevention technologies such as network and web application firewalls, VPN, antivirus, Web filtering and antispam technologies.
Additional Steps You Should Take to Ensure the Security of Your Information
GWOP Solutions sends important communications regarding your account or application via email. You should therefore take steps to secure and restrict access to your email account and change your email account password frequently. You should also be aware of fraudulent emails known as “phishing,” from companies claiming to be GWOP Solutions and requesting your login information or other account information. GWOP Solutions will never ask for your login information in an email.
When you are finished using GWOP Solutions websites, you should log out completely, then close the browser window and clear the browser’s cache files and saved passwords. This step is particularly important if you use a computer that is accessed by other people, such as in a public library or Internet café.
Changes to this policy
Any updates to the privacy policy become effective when posted on GWOP Solutions websites. If we make any material changes, we will notify you by email or by providing the revised privacy policy in your account on www.GWOP Solutions.io if you have one. Your continued use of our services following the update means that you accept GWOP Solutions’s updated privacy policy.
For additional information, or if you have any questions regarding this Policy or the privacy practices at GWOP Solutions, please submit your questions or comments directly to Info@GWOPSolutions.com.
You can also send questions or comments to:
GWOP Solutions
Attention: Compliance
1001 Bannock St. Suite #605 Denver, CO, 80204
NOTICE AT COLLECTION (CALIFORNIA RESIDENTS)
Effective January 1, 2020, the California Consumer Privacy Act (the “CCPA”) provides specific rights to California residents related to their “personal information,” as defined under the CCPA. Virtually all of the information that GWOP Solutions collects about its users is exempt from the CCPA, as it is collected, processed, sold or disclosed pursuant to the federal Gramm-Leach-Bliley Act (the “GLBA”). The information that GWOP Solutions collects about its users pursuant to GLBA is described in the “
Information GWOP Solutions Collects About You” section of this Privacy Policy.
Below is a description of the remaining “personal information” that is collected and disclosed to third parties, as well as your rights pertaining to this information.
This section only applies to California residents. The rights discussed in this section do not extend to individuals who are not California residents.
Personal Information Collected By GWOP Solutions
Information about your interactions with our website and the mobile application. For all users, GWOP Solutions collects information about your interactions with our homepage, landing pages, other GWOP Solutions websites that you may visit prior to beginning the registration and/or application process, and information about the device you use to access the website and the mobile application. This includes your click movements on the webpage and the mobile application, IP address, mobile device identifier (IDFA or AAID), geographical location, operating system, browser type, referral source, time and length of visit, button clicks and/or page views. This information is collected by GWOP Solutions and our third party service providers, who work with us to track your interactions on these pages.
We collect this information in order to:
Help detect security incidents and protect against malicious, deceptive, or fraudulent activity on our websites;
Identify and fix errors that affect the functionality of our websites;
Conduct internal research and analysis;
Determine eligibility for products and services; and
Improve our websites and services.
Information that you provide in surveys, questionnaires, and/or requests for feedback.
For users that complete surveys, questionnaires, and/or requests for feedback regarding their experience, we collect the information that you provide to us. This information is collected by GWOP Solutions and our third party service providers, who may help facilitate these information requests.
We collect this information in order to:
Conduct internal research and analysis; and
Improve our websites and services.
Information from third parties for marketing.
For certain consumers, we may work with marketing service providers to obtain your personal information, such as your name, address, and/or email address.
We collect this information for marketing purposes in order to present you with offers, promotions, advertisements, and other marketing communications.
How GWOP Solutions Discloses Personal Information
GWOP Solutions may share your personal information with third party service providers to help us conduct the business purposes listed above. Our service providers are authorized to use your personal information only as necessary to provide these services to GWOP Solutions. GWOP Solutions does not and will not sell your personal information.
Your Rights Under the CCPARight to Know/Right to Access.
Under the CCPA, California residents have the right to request that GWOP Solutions disclose what personal information we have collected, used, disclosed, or sold over the past twelve (12) months. Once we receive and confirm your verifiable consumer request for such information, (see “How You Can Exercise Your Rights Under CCPA”), we will disclose to you:
The categories of personal information we collected about you over the past twelve (12) months;
The categories of sources from which such personal information has been collected over the past twelve (12) months;
The business or commercial purpose for collecting, disclosing, or selling such personal information over the past twelve (12) months;
The categories of third parties with whom we shared your personal information over the past twelve (12) months; and/or
If we disclosed your personal information for a business purpose, the personal information categories that each category of recipients obtained.
Upon receiving your verified request for such information (see “How You Can Exercise Your Rights Under CCPA”), we will also disclose to you the specific pieces of personal information that we collected about you.
Right to Request Deletion.
Under the CCPA, California residents have the right to request that we delete any of your personal information that we collected from you and retained, subject to certain exceptions. Once we receive and confirm your verifiable consumer request (see “How You Can Exercise Your Rights Under CCPA”), we will delete your personal information from our records, and direct our service providers to do the same, unless an exception applies.
Right to Opt-Out of Sale of Personal Information.
Under the CCPA, California residents have the right to direct us to not sell your personal information (the “right to opt-out”). GWOP Solutions does not and will not sell personal information of consumers.
Right to Non-Discrimination.
Under the CCPA, California residents have the right not to be discriminated against for having exercised the rights established by the CCPA. We will not discriminate against you for exercising any of your CCPA rights. Unless permitted by the CCPA, we will not:
Deny you goods or services;
Charge you different prices or rates for goods or services, including through granting discounts or other benefits or imposing penalties;
Provide you with a different level or quality of goods or services; nor
Suggest that you may receive a different price or rate for goods or services or a different level or quality of goods or services.
We may, however, offer you certain financial incentives permitted by the CCPA that can result in different prices, rates, or quality levels. Such financial incentives may include gift cards, credits, and other monetary offerings; additional details related to the material terms of these financial incentives will be provided to you at the time the incentive is presented to you. Any CCPA-permitted financial incentive we offer will reasonably relate to your personal information’s value and contain written terms that describe the program’s material aspects. Participation in a financial incentive program requires your prior opt in consent, which you may revoke at any time.
How You Can Exercise Your Rights Under CCPA
In order to exercise the right to know/right to access information and the right to request deletion, you or your authorized agent may submit a verifiable consumer request in one of the following ways:
You may exercise these rights by contacting us at the following email: Info@GWOPSolutions.com. Please note that if you contact us with your request via email we may request additional information from you or your authorized representative as needed to authenticate your request. You may only make a verifiable consumer request to know or request for access twice within a 12-month period.
The verifiable consumer request must:
Provide sufficient information to allow us to reasonably verify that you are the person about whom we collected personal information or that you are an authorized representative; andDescribe your request with sufficient detail so that we can properly understand, evaluate, and respond to it.
Upon receiving a request to know/request for access or a request for deletion, we will confirm receipt within ten (10) days. If we are able to verify your request, we will make our best effort to respond within forty-five (45) days of our receipt of your request. If we require more time (up to forty-five (45) additional days), we will inform you of the reason and extension period in writing. Additionally, in our response, we will specify the manner in which we have deleted your personal information, in accordance with the CCPA.
We will not disclose information to you or delete information if we cannot verify your identity.
How California Residents Can Designate an Authorized Representative
Only you as a California resident, or a person registered with the California Secretary of State that you authorize to act on your behalf, may make a verifiable request to know/request for access, request for deletion, or request to opt-out.
To appoint an authorized representative to submit requests on your behalf, please provide us with written instructions stating the identity of the authorized representative and your authorization to have the representative act on your behalf as outlined below:
Please send the written instructions appointing your authorized representative to Info@GWOPSolutions.com. We may also request additional information from you as needed to authenticate your request. If an authorized representative is acting on your behalf to make a request to know/request for access, request for deletion, or request to opt-out, your representative may also contact us at Info@GWOPSolutions.com with a brief description of the request. Please note that we may request additional information from your representative as needed to authenticate your request.
Federal Privacy Notice
FACTS
WHAT DOES GWOP Solutions DO WITH YOUR PERSONAL INFORMATION?
Why?
Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do.
What?
The types of personal information we collect and share depend on the product or service you have with us. This information can include:
Social Security Number and income
Account balances and transaction history
Credit history, credit scores, and employment information
When you are no longer our customer, we continue to share your information as described in this notice
How?
All financial companies need to share customers’ personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers’ personal information; and the reasons GWOP Solutions chooses to share.
Reasons we can share your personal information
For our everyday business purposes — such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus
For our marketing purposes — to offer our products and services to you
For joint marketing with other financial companies
For our affiliates’ everyday business purposes — information about your transactions and experiences
For our affiliates’ everyday business purposes — Information about your creditworthiness
For our affiliates to market to you
For nonaffiliates to market to you
To limit our sharing
All consumers may contact us at Info@GWOPSolutions.com and we will assist you in disabling such information sharing.
Following the instructions above will also revoke your consent provided in the above privacy policy for certain information sharing with non affiliated companies.
Please note that your opt-out choices will also apply to your co-borrower.
Please note:
If you are a new customer, we can begin sharing your information thirty (30) days from the date we sent this notice (except where we have received your affirmative consent to begin sharing information sooner, through our privacy policy or otherwise). When you are no longer our customer, we continue to share your information as described in this notice; however, you can contact us at any time to limit our sharing.
Questions?
Email us at Info@GWOPSolutions.com
Who we are
Who is providing this notice?
GWOP Solutions
What we do
How does GWOP Solutions protect my personal information?
To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and building.
How does GWOP Solutions collect my personal information?
We collect your personal information, for example, when you
Open an account;
Apply for one of GWOP Solutions’s financial products; and/or
Provide us information including your income and employment information
We also collect your information from others, such as credit bureaus, affiliates, or other companies.
Why can’t I limit all sharing?
Federal law gives you the right to limit only:
Sharing for affiliates’ everyday business purposes—information about your creditworthiness
Affiliates from using your information to market to you
Sharing for nonaffiliates to market to you
State laws and individual companies may give you additional rights to limit sharing.
What happens when I limit sharing for an account I hold jointly with someone else?
Your choices will apply to everyone on your account.
Definitions
Affiliates
Companies related by common ownership or control. They can be financial and nonfinancial companies.
Nonaffiliates
Companies not related by common ownership or control. They can be financial and nonfinancial companies.
Nonaffiliated companies we share with include financial services companies, marketing companies, and other service providers.
Joint marketing
A formal agreement between non affiliated financial companies that together market financial products or services to you.
Other Important Information
Telephone Communications.
GWOP Solutions and its authorized agents, service providers, Lending Partners and partners may monitor and/or record all telephone communications in accordance with applicable law.
Vermont Residents.
We will not disclose information about your creditworthiness to our affiliates and will not disclose your personal information, financial information, credit report, or health information to nonaffiliated third parties to market to you, other than as permitted by Vermont law, unless you authorize us to make those disclosures.
Nevada Residents.
We are providing you this notice pursuant to state law. You may be placed on our internal Do Not Call List by calling 855-755-1919 or emailing Info@GWOPSolutions.com.
Nevada law also requires us to provide you with the following to obtain additional information: Bureau of Consumer Protection, Office of the Nevada Attorney General, 555 E. Washington Street, Suite 3900, Las Vegas, NV 89101; Phone: 702.486.3132; Email:
BCPINFO@ag.state.nv.us.
Last Updated:
Jun 22, 2023
Terms and Conditions
THESE TERMS AND CONDITIONS (the “Terms”) is between GWOP Solutions, a limited liability company duly organized under the laws of the State of Colorado (“GWOP Solutions, Company, us, we, our”), and the User(s) of this website (“Users, you”), which you must accept to use any aspect of this website.
Please carefully review these terms and conditions of use before using this site or accessing any data thereon. Any use of this website creates a binding agreement to comply with these terms and conditions. By continuing to use this website, you assent to each term in these Terms, and you acknowledge that you have had the chance to review, consider, and agree to these Terms. If you do not understand or agree to these Terms, then you agree to immediately cease your use of this website.
USER AGREEMENT
These Terms are terms of a legal agreement (the “Agreement”) between you, individually and/or as an agent on behalf of an entity or another registered member, and GWOP Solutions that sets forth the terms and conditions for your use of this website, including any subdomain thereof (the “Site”). The Site is owned and operated by GWOP Solutions. This Site is being provided to you expressly subject to this Agreement. By accessing, browsing, and/or using the Site, you acknowledge that you have read, understood, and agree to be bound by the terms of this Agreement and to comply with all applicable laws and regulations, regardless of whether or not you are a registered user of the Site, and that you consent to the terms and practices set forth in GWOP Solutions’s Privacy Policy. The terms and conditions of this Agreement form an essential basis of the bargain between you and GWOP Solutions.
ACCESSIBILITY STATEMENT
GWOP Solutions is committed to making our website accessible to everyone, including individuals with disabilities, and strives to ensure that our website is user-friendly and easy to navigate for all visitors.
THIS ACCESSIBILITY STATEMENT serves as GWOP Solutions’s pledge to continually improve the user experience for everyone who visits our website or use any of GWOP Solutions’s applications by applying all relevant accessibility standards.
In accordance with the Americans with Disabilities Act (the “ADA”) and other relevant laws and standards, we have implemented various accessibility features to ensure that the Site is accessible to all users. These features include, but are not limited to:
Resizable text;
Alt text for images;
Keyboard navigation;
High contrast mode; and
Screen reader compatibility.
We are continually working to improve the accessibility of the Site and welcome any feedback or suggestions you may have. If you have any difficulty accessing any aspect of the Site or have any suggestions for improving accessibility, please contact us at:
GWOP Solutions
Attention: Compliance
1001 Bannock St. Suite #605 Denver, CO, 80204
Or
Info@GWOPSolutions.com
CHANGES TO THESE TERMS
GWOP Solutions reserves the right to amend this Agreement at any time and will notify you of any such changes by posting the revised Agreement on the Site. You should check this Agreement on the Site periodically for changes. All changes shall be effective upon posting. Your continued use of the Site after any change to this Agreement constitutes your agreement to be bound by any such changes.
GWOP Solutions may terminate, suspend, change, or restrict access to all or any part of this Site without notice or liability. To the extent GWOP Solutions revises this Agreement while your access to the Site has been suspended or terminated, such revisions will not apply to you.
You can also send questions or comments to:
GWOP Solutions
Attention: Compliance
1001 Bannock St. Suite #605 Denver, CO, 80204
LIMITATIONS OF USE
The copyright in all material on this Site, including without limitation the text, data, articles, design, source code, software, photos, images, and other information (collectively, the “Content“), is held by GWOP Solutions or by the original creator of the material and is protected by U.S. and International copyright laws or treaties. You agree that the Content may not be copied, reproduced, distributed, framed, downloaded, republished, modified, displayed, posted, transmitted, or sold in any form or by any means, in whole or in part, including, but not limited to, electronic, mechanical, photocopying, recording, or otherwise, without the express prior written consent of GWOP Solutions. You acknowledge that the Content is and shall remain the property of GWOP Solutions. You may not reverse engineer, modify, transmit, publish, participate in the sale or transfer of, or create derivative works, or in any way exploit any of GWOP Solutions’s services, including any Content, in whole or in part. The use of the Content on any other website, including by linking or framing, or in any networked computer environment for any purpose, is prohibited without GWOP Solutions’s prior written approval. Unless explicitly stated in this Agreement, nothing in this Agreement will be construed as conferring any license to intellectual property rights, whether by implication, estoppel or otherwise.
All data obtained from or provided by GWOP Solutions, regardless of the method of delivery, is explicitly prohibited from publication and distribution and is subject to the GWOP Solutions’s Data Terms of Use [Insert Link to New Data Terms of Use]. Moreover, you agree not to use data provided by GWOP Solutions, regardless of the method of delivery, for any competing purposes, and you agree to only use such data to facilitate the use of GWOP Solutions’s financial products.
You also may not, without GWOP Solutions’s express written permission, “mirror” any material contained on this Site on any other server. Any unauthorized use of any Content on this Site may violate copyright laws, trademark laws, the laws of privacy and publicity, and communications statutes and regulations. Without GWOP Solutions’s prior consent, you may not use the Site in any manner that violates this Agreement, or that could interfere with any other party‘s use and enjoyment of the Site, or that could overburden, impair, damage, or disable the Site. We may disable, terminate, or throttle your use of, or access to, the Site at any time without notice for any reason, with or without cause, in our sole discretion.
You may not use any automated methods to access the Site or collect any information from the Site; frame the Site, utilize framing techniques to enclose any Content or other proprietary information, place pop-up windows over Content, or otherwise affect the display of any Content, engage in the practices of “database scraping,” “screen scraping,” or any other activity with the purpose to obtain content or other information from the Site.
If you are blocked by GWOP Solutions from accessing or using the Site (including by blocking your IP address), you agree not to implement any measures to circumvent such blocking.
You agree to use the Content and Site only for lawful purposes. You are prohibited from any use of the Content or Site that would constitute a violation of any applicable law, regulation, rule or ordinance of any nationality, state, or locality or of any international law or treaty, or that could give rise to any civil or criminal liability. Any unauthorized use of the Site, including but not limited to unauthorized entry into GWOP Solutions’s systems, misuse of passwords, or misuse of any information posted on the Site is strictly prohibited. GWOP Solutions makes no claims concerning whether the Content may be downloaded or is appropriate for use outside of the United States. If you access this Site from outside of the United States, you are solely responsible for ensuring compliance with the laws of your specific jurisdiction. Your eligibility for particular products or services is subject to final determination by GWOP Solutions.
Members of the GWOP Solutions community must be U.S. Residents with a valid social security number that are at least eighteen (18) years of age or older. Children under the age of 18 are not eligible to participate in the offerings on the Site.
You agree not to post, upload, publish, display, transmit, share, store or otherwise make or attempt to make publicly available on the Site or on any other website, or in any email, blog, forum, medium or other communication of any kind, any private or personally identifiable information of any GWOP Solutions member or other third party, including, without limitation, names, addresses, phone numbers, email addresses, Social Security numbers, driver’s license numbers, or bank account or credit card numbers, whether or not such private or personally identifiable information is displayed on or ascertainable from the Site, or obtained or obtainable from sources unrelated to the Site (such as from a “Google® search” or other online research).
REFUND POLICY
Please note that all sales of GWOP Solutions’s financial products are final and that we do not offer refunds or cancellations.
For more information on GWOP Solutions’s Refund Policy, please visit our Refund Policy page.
TRADEMARKS
GWOP Solutions (including the GWOP Solutions logo), GWOP Solutions website, and all related logos (collectively the “GWOP Solutions Trademarks“) are trademarks or service marks of GWOP Solutions. Other company, product, and service names and logos used and displayed on this Site may be trademarks or service marks owned by GWOP Solutions or others. Nothing on this Site should be construed as granting, by implication, estoppel, or otherwise, any license or right to use any of the GWOP Solutions Trademarks displayed on this Site, without our prior written permission in each instance. You may not use, copy, display, distribute, modify or reproduce any of the trademarks found on the Site unless in accordance with written authorization by GWOP Solutions. GWOP Solutions prohibits use of any of the GWOP Solutions Trademarks as part of a link to or from any site unless establishment of such a link is approved in writing by GWOP Solutions in advance. Any questions concerning any GWOP Solutions Trademarks, or whether any mark or logo is a GWOP Solutions Trademark, should be referred to GWOP Solutions.
LINKS TO THIRD-PARTY SITES
This site may contain links to web sites controlled, owned, and operated by third parties (the “third-party sites“). GWOP Solutions cannot control and has no responsibility for the accuracy or availability of information provided on the third-party sites. You acknowledge that use of any third-party sites is governed by the terms of use for those websites, and not by this Agreement. Links to third-party sites do not constitute an endorsement or recommendation by GWOP Solutions of such sites or the content, products, advertising, or other materials presented on such sites, but are only for your convenience and you access them at your own risk. Such third-party sites may have a privacy policy different from that of GWOP Solutions and the third-party site may provide less security than this Site. GWOP Solutions is not responsible for the content of any third-party web sites, nor does GWOP Solutions make any warranties or representations, express or implied, regarding the content (or the accuracy of such content) on any third-party web sites, and GWOP Solutions shall have no liability of any nature whatsoever for any failure of products or services offered or advertised at such sites or otherwise.
Social Network Plugins.
This Site incorporates plugins and/or buttons for social networks, in order to allow easy sharing of content on your favorite social networks. These plugins are programmed so as not to set any cookies when accessing the page, to safeguard the privacy of users. Cookies may be set, however, if you make voluntary use of the plugin. Please note that if you browse while being logged into the social network, then you have already consented to the use of cookies conveyed through this Website at the time that you registered with the particular social network.
The collection and use of information obtained by means of the plugin are governed by the respective privacy policies of the social networks, which can be found below:
Facebook:
https://www.facebook.com/help/cookies
Twitter:
https://help.twitter.com/en/rules-and-policies/twitter-cookies
Google+:
https://about.pinterest.com/it/privacy-policy
Pinterest:
https://about.pinterest.com/it/privacy-policy
AddThis:
http://www.addthis.com/privacy/privacy-policy
LinkedIn:
https://www.linkedin.com/legal/cookie-policy
CONSENT TO DOING BUSINESS ELECTRONICALLY
Whether you choose to participate on the Site as a Registered User, or in another manner, from time to time you will receive disclosures, notices, documents, and information (“Communications“) as required by law and otherwise from GWOP Solutions or any bank, financial institution, non-bank lending partner or other entity (each, a “Lending Partner”) that may extend credit to you; or the respective agents of such parties (collectively, “we” or “us”). This section informs you of your rights when receiving Communications from us electronically.
Electronic Communications.
You agree Communications relating to your use of the Site or related services may be provided or made available to you electronically by email or at the Site. You have the right to receive a free paper copy of any Communication by contacting us in the manner described below in the section titled “CONTACTING US.” We may discontinue electronic provision of Communications at any time at our sole discretion.
Scope of Consent.
Your consent to receive Communications and do business electronically, and our agreement to do so, applies to all of your interactions and transactions to which such Communications relate, whether between you and Prosper or you and any Lending Partner involved in your transaction.
Hardware and Software Requirements.
To access and retain the Communications electronically, you will need to use a device with an internet connection and an up-to-date browser capable of opening portable document formats (“PDF“), such as Microsoft Internet Explorer (see
www.microsoft.com/ie
for current version), Mozilla Firefox (see
www.mozilla.com
for current version), Google Chrome (see
https://www.google.com/chrome/
for the current version), or Safari (see
https://www.apple.com/safari/
for the current version), and a valid email address that has been provided to us. You acknowledge that you can receive, access, download, print, and save communications in the formats described herein. For access and optimal printing of your documents in PDF format, please download Adobe Acrobat Reader (to install the free version of Adobe Reader click here:
http://get.adobe.com/reader/otherversions/
). You acknowledge that you can access the electronic Communications in the designated formats described herein.
Mobile Technology.
If you are accessing our site electronically through a mobile device, such as a tablet, smartphone, or similar device, you must be able to print and save the transmitted Communications. You can find apps that support printing and saving for most mobile devices through your mobile device’s app store. If your mobile device does not have this functionality, you must access our website through alternate means that provide you with the ability to print and save the Communications.
Withdrawing Consent.
You may withdraw your consent to receive Communications electronically by contacting us in the manner described in the “CONTACTING US” section below. If you withdraw your consent, from that time forward any pending applications, listings, or content will automatically terminate and be removed from the GWOP Solutions platform. The withdrawal of your consent will not affect the legal validity and enforceability of any financial obligations obtained through the GWOP Solutions platform, or any electronic Communications provided or business transacted between us prior to the time you withdraw your consent. With respect to financial obligations on which you are a borrower, we will send you any further Communications by mail or other non-electronic means. Please note that withdrawal of your consent will not apply to your co-borrower.
Assignment.
In addition, you further acknowledge that your consent to have all Communications provided or made available to you in electronic form and to do business on or through the GWOP Solutions platform is assignable to any entity that succeeds GWOP Solutions in servicing your financial obligation.
Changes in Your Contact Information.
You agree to keep us informed of any changes in the telephone number, email, and mailing address you provide to us so that you continue to receive all Communications without interruption. To do so, please contact us using the method listed below under the “CONTACTING US” section.
PERMISSION TO CONTACT
When you give us your contact information (including but not limited to your home and/or mobile phone number, work phone number, address and email address), you grant us permission to contact you at any of those numbers or addresses, and any other number, address, or email address that you have provided in the past or may provide in the future or that we believe we may reach you through, about your GWOP Solutions accounts, and about our products and services (even if you previously opted out of these types of communications). Your consent allows us to use written, electronic, or verbal means to contact you, including but not limited to text messaging and emails, for all purposes not prohibited by applicable law. Message and data rates may apply. Some of the purposes for calls and messages may include (but are not limited to):
Suspected fraud or identity theft;
Obtaining information;
Transactions on or servicing of your account;
Marketing our products and services; and
Collecting on your account.
Our rights under this Section extend to our affiliates, subsidiaries, parents, agents, vendors, and anyone who is or may be affiliated with the owner of any note evidencing a financial obligation you incur or the owner of any other financial obligation you incur through GWOP Solutions’s financial products. You agree to notify us immediately of any changes to your contact information. Please refer to the “CONTACTING US” section at the bottom of this document for instructions on how to contact us.
DISCLAIMER OF WARRANTIES
You expressly understand and agree to the following disclaimers to the extent permitted by applicable law:
Your use of the Data is at your sole risk. GWOP Solutions does not warrant or guarantee the accuracy, adequacy, timeliness, reliability, completeness, or usefulness of the Data and GWOP Solutions disclaims liability for errors or omissions in the Data. The Data is provided on an “as-is” and “as available” basis, without any warranty, either express or implied. GWOP Solutions disclaims all warranties, including, but not limited to, any implied warranties of non-infringement, title, merchantability, or fitness for a particular purpose, or any warranty that the site is free of viruses or other harmful components. This does not affect those warranties that are incapable of exclusion, restriction, or modification under the laws applicable to this Agreement.
Any material downloaded or otherwise obtained through the Site or the Data is acquired at your own discretion and risk and you will be solely responsible for any damage to your own computer system or loss of data that results from the download of any such material.
No advice or information, whether written or oral, obtained by you from GWOP Solutions shall create any warranty not expressly stated in these Terms.
For more information on GWOP Solutions’s Disclaimers, please visit our Disclaimer page.
ASSUMPTION OF RISK
The Site and services are provided for communication purposes only. You acknowledge and agree that any information posted on the Site is not intended to be legal advice, medical advice, or financial advice, and no fiduciary relationship has been created between You and GWOP Solutions. You further agree that your purchase of any of the products on the Site is at your own risk. GWOP Solutions does not assume responsibility or liability for any advice or other information given on the Site.
LIMITATION OF LIABILITY
EXCLUDING DAMAGES ARISING FROM THE COMPANY’S BREACH OF CONFIDENTIALITY OBLIGATIONS, THE COMPANY SHALL NOT BE LIABLE TO THE USER, REGARDLESS OF THE FORM OF ACTION, WHETHER IN CONTRACT, TORT, OR OTHERWISE, FOR ANY LOST PROFITS BUSINESS INTERRUPTION, OR FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES ARISING OUT OF OR RELATING TO THIS AGREEMENT, EVEN IF THE USER HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES OR LIABILITY, NOR SHALL THE COMPANY’S AGGREGATE LIABILITY FOR ANY OTHER DAMAGES ARISING OUT OF THIS AGREEMENT EXCEED THE LIQUIDATION FEE PAID BY THE “USER” TO THE “COMPANY” IN ACCORDANCE WITH THE TERMS OF THIS AGREEMENT.
For more information on GWOP Solutions’s Limitation of liability, please visit our Disclaimer page.
INDEMNIFICATION
The User agrees to defend, protect, indemnify, and hold the Company, and its affiliates, officers, managers, directors, employees, contractors, and subcontractors, harmless against any and all claims, demands, causes of action, and judgments of every kind and character, including regulatory agency costs, court costs, and attorneys fees, arising, occurring, growing out of, incident to, or resulting directly or indirectly from any misrepresentation made by the User on this website or in connection with the services offered on this website, regardless of whether such misrepresentation was intentional or unintentional.
The User also agrees to defend, protect, indemnify, and hold the Company, and its affiliates, officers, managers, directors, employees, contractors, and subcontractors, harmless against any and all claims, demands, causes of action, and judgments of every kind and character asserted by any third-party that arise out of or in connection with the services offered on this website, or any breach by the User of any provision of this website’s terms and conditions. The indemnities set forth in this here are subject to the restrictions or limitations imposed by law, but only to the extent of such restrictions or limitations.
For more information on GWOP Solutions’s Indemnification, please visit our Disclaimer page.
MONITORING OF THE SITE
GWOP Solutions has no obligation to monitor the Site; however, you acknowledge and agree that GWOP Solutions has the right to monitor the Site electronically from time to time and to disclose any information as necessary or appropriate to satisfy any law, regulation, or other governmental request, to operate the Site, present marketing, or other promotional offers to you either on the Site or on a third party site, or to protect itself or other users of the Site.
SUBMISSIONS TO THE SITE
All remarks, discussions, ideas, concepts, know-how, techniques, graphics, or other submissions communicated to GWOP Solutions through this Site or in any other manner (collectively, “Submissions“) will be deemed and remain the property of GWOP Solutions, and GWOP Solutions is entitled to use any Submission for any purpose, without restriction or compensation to the individual who has provided the Submission. GWOP Solutions shall not be subject to any obligations of confidentiality regarding Submissions except as expressly agreed by GWOP Solutions or as otherwise required by applicable law. Nothing herein contained shall be construed as limiting GWOP Solutions’s responsibilities and obligations under its Privacy Policy.
USE OF PERSONALLY IDENTIFIABLE INFORMATION
GWOP Solutions’s practices and policies with respect to the collection and use of personally identifiable information are governed by GWOP Solutions’s Privacy Policy.
For more information on GWOP Solutions’s Privacy Policy, please visit our Privacy Policy page.
AVAILABILITY
This Site is not intended for distribution to, or use by, any person or entity in any jurisdiction or country where such distribution or use would be contrary to applicable law or regulation. By offering this Site and Content no distribution or solicitation is made by GWOP Solutions to any person to use the Site or Content in jurisdictions where the provision of the Site and/or Content is prohibited by law.
WAIVER
Failure by Imrpuvu to enforce any of its rights under this Agreement shall not be construed as a waiver of those rights or any other rights in any way whatsoever.
ARBITRATION
RESOLUTION OF DISPUTES: THE USER ACKNOWLEDGES THAT IT HAS READ THIS PROVISION CAREFULLY, AND UNDERSTANDS THAT THIS PROVISION LIMITS THE USER’S RIGHTS IN THE EVENT OF A DISPUTE BETWEEN THE USER AND GWOP Solutions.
In this Resolution of Disputes provision:
“You” and “your” mean the individual entering into this Agreement, as well as any person claiming through such individual;
“We” and “us” mean GWOP Solutions, and each its affiliates;
“Claim” means any dispute, claim, or controversy (whether based on contract, tort, intentional tort, constitution, statute, ordinance, common law, or equity; whether pre-existing, present, or future; and whether seeking monetary, injunctive, declaratory, or any other relief) arising from or relating to this Agreement or the relationship between us and you (including claims arising prior to or after the date of the Agreement, and claims that are currently the subject of purported class action litigation in which you are not a member of a certified class), and includes claims that are brought as counterclaims, cross claims, third party claims or otherwise, as well as disputes about the validity or enforceability of this Agreement or the validity or enforceability of this Arbitration clause.
Any Claim shall be resolved, upon the election of either us or you, by binding arbitration administered by the American Arbitration Association or JAMS, under the applicable arbitration rules of the administrator in effect at the time a Claim is filed (the “Rules”). Any arbitration under this Agreement will take place on an individual basis; class arbitrations and class actions are not permitted. The Party to file that claim chooses the administrator. You can obtain the Rules and other information about initiating arbitration by contacting the American Arbitration Association at 1633 Broadway, 10th Floor, New York, NY 10019, (800) 778-7879,
www.adr.org
; or by contacting JAMS at 1920 Main Street, Suite 300, Irvine, CA 92614, (949) 224-1810,
www.jamsadr.com
.
The address for serving any arbitration demand or claim on us is:
GWOP Solutions, 1001 Bannock St. Suite #605 Denver, CO, 80204,
Attention: Compliance.
Claims will be arbitrated by a single, neutral arbitrator, who shall be a retired judge or a lawyer with at least ten (10) years’ experience. We agree not to invoke our right to elect arbitration of an individual Claim filed by you in a small claims or similar court (if any), so long as the Claim is pending on an individual basis only in such court.
We will pay all filing and administration fees charged by the administrator and arbitrator fees up to one thousand ($1,000) USD, and we will consider your request to pay any additional arbitration costs; however, if an arbitrator issues an award in our favor, you will be required to reimburse us for any fees we have previously paid to the administrator or for which we are responsible. If you receive an award from the arbitrator, we will reimburse you for any fees paid by you to the administrator or arbitrator. Each Party shall bear its own attorney’s, expert’s and witness fees, which shall not be considered costs of arbitration; however, if a statute gives you the right to recover these fees, or fees paid to the administrator or arbitrator, then these statutory rights will apply in arbitration.
Any in-person arbitration hearing will be held in the State of Oregon, or in such other locations as mutually agreed upon. The arbitrator shall apply applicable substantive law consistent with the Federal Arbitration Act, 9 U.S.C. 1-16, and, if requested by either Party, provide written reasoned findings of fact and conclusions of law. The arbitrator shall have the power to award any relief authorized under applicable law. Any appropriate court may enter judgment upon the arbitrator’s award. The arbitrator’s decision will be final and binding except that:
Any Party may exercise any appeal right under the FAA; and
Any Party may appeal any award relating to a claim for more than one-hundred thousand ($100,000) USD to a three-arbitrator panel appointed by the administrator, which will reconsider de novo any aspect of the appealed award. The panel’s decision will be final and binding, except for any appeal right under the FAA. Unless applicable law provides otherwise, the appealing Party will pay the appeal’s cost, regardless of its outcome; however, we will consider any reasonable written request by you for us to bear the cost.
YOU AND WE AGREE THAT EACH MAY BRING CLAIMS AGAINST THE OTHER ONLY IN OUR INDIVIDUAL CAPACITY, AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS OR REPRESENTATIVE PROCEEDING.
Further, unless both you and we agree otherwise in writing, the arbitrator may not consolidate more than one person’s claims. The arbitrator shall have no power to arbitrate any Claims on a class action basis or Claims brought in a purported representative capacity on behalf of the general public, other borrowers, or other persons similarly situated. The validity and effect of this Arbitration clause shall be determined exclusively by a court, and not by the administrator or any arbitrator.
If any portion of this Arbitration clause is deemed invalid or unenforceable for any reason, it shall not invalidate the remaining portions of this clause. However, if this Arbitration clause is deemed invalid or unenforceable in whole or in part, then this entire Arbitration clause shall be deemed invalid and unenforceable. The terms of this Arbitration clause will prevail if there is any conflict between the Rules and this section.
YOU AND WE AGREE THAT, BY ENTERING INTO THIS AGREEMENT, THE PARTIES ARE EACH WAIVING THE RIGHT TO A TRIAL BY JURY OR TO PARTICIPATE IN A CLASS ACTION. YOU AND WE ACKNOWLEDGE THAT ARBITRATION WILL LIMIT OUR LEGAL RIGHTS, INCLUDING THE RIGHT TO PARTICIPATE IN A CLASS ACTION, THE RIGHT TO A JURY TRIAL, THE RIGHT TO CONDUCT FULL DISCOVERY, AND THE RIGHT TO APPEAL (EXCEPT AS PERMITTED IN THIS ARBITRATION CLAUSE OR UNDER THE FEDERAL ARBITRATION ACT).
You and we acknowledge and agree that the arbitration agreement set forth in this Arbitration clause is made pursuant to a transaction involving interstate commerce, and thus the Federal Arbitration Act shall govern the interpretation and enforcement of this Arbitration clause.
For more information on GWOP Solutions’s Arbitration clause, please visit our Disclaimer page.
OTHER AGREEMENTS
This Agreement shall be subject to any other agreements you have entered into with GWOP Solutions.
ADDITIONAL TERMS
Certain sections or pages on the Site may contain separate terms and conditions of use, which are in addition to the terms and conditions of this Agreement. In the event of a conflict, the additional terms and conditions will govern those sections or pages.
SEVERABILITY
If any provision of this Agreement is found to be invalid or unenforceable, the remaining provisions shall be enforced to the fullest extent possible, and the remaining provisions of the Agreement shall remain in full force and effect.
GENERAL PROVISIONS
This Agreement will be binding on, inure to the benefit of, and be enforceable against the parties to this Agreement and their respective successors and assignees. Neither the course of conduct between the parties to this Agreement nor trade practice shall serve to modify any provision of this Agreement. All rights not expressly granted herein are hereby reserved. Section headings are for reference purposes only and in no way define, limit, construe or describe the scope or extent of such section
COPYRIGHT COMPLAINTS
If you believe, in good faith, that any materials on the Site infringe your copyrights, notifications of claimed copyright infringement should be sent to GWOP Solutions. Notification should include:
An electronic or physical signature of the person authorized to act on behalf of the owner of the copyright interest;
A description of the copyrighted work that you claim has been infringed;
A description of where the material you claim is infringing is located on the Site;
A statement by you that you have a good faith belief that the disputed use is not authorized by the copyright owner, its agent or the law; and
A statement by you, made under penalty of perjury, that the above information in your notice is accurate and that you are the copyright owner or duly authorized to act on the copyright owner’s behalf.
You may contact GWOP Solutions for notification of claimed copyright infringement by email at Info@GWOPSolutions.com
or by regular mail at:
GWOP Solutions
Attention: Compliance
1001 Bannock St. Suite #605 Denver, CO, 80204
CONTACTING US
For additional information, or if you have any questions regarding these Terms, please submit your questions or comments directly to Info@GWOPSolutions.com.
You can also send questions or comments to:
GWOP Solutions
Attention: Compliance
1001 Bannock St. Suite #605 Denver, CO, 80204
Last Updated:
June 22, 2023
Disclaimer
THESE DISCLAIMERS (the “Disclaimers”) are between GWOP Solutions, a limited liability company duly organized under the laws of the State of Colorado (“GWOP Solutions, Company, us, we, our”), and the User(s) of this website (“Users, you”), which you must accept to use any aspect of this website. By continuing to use this website, you assent to each term in these Disclaimers.
If you do not understand or agree to this Policy, then you agree to immediately cease your use of this website.
ARBITRATION.
RESOLUTION OF DISPUTES: THE USER ACKNOWLEDGES THAT IT HAS READ THIS PROVISION CAREFULLY, AND UNDERSTANDS THAT THIS PROVISION LIMITS THE USER’S RIGHTS IN THE EVENT OF A DISPUTE BETWEEN THE USER AND GWOP Solutions.
In this Resolution of Disputes provision:
“You” and “your” mean the individual entering into this Agreement, as well as any person claiming through such individual;
“We” and “us” mean GWOP Solutions, and each its affiliates;
“Claim” means any dispute, claim, or controversy (whether based on contract, tort, intentional tort, constitution, statute, ordinance, common law, or equity; whether pre-existing, present, or future; and whether seeking monetary, injunctive, declaratory, or any other relief) arising from or relating to this Agreement or the relationship between us and you (including claims arising prior to or after the date of the Agreement, and claims that are currently the subject of purported class action litigation in which you are not a member of a certified class), and includes claims that are brought as counterclaims, cross claims, third party claims or otherwise, as well as disputes about the validity or enforceability of this Agreement or the validity or enforceability of this Arbitration clause.
Any Claim shall be resolved, upon the election of either us or you, by binding arbitration administered by the American Arbitration Association or JAMS, under the applicable arbitration rules of the administrator in effect at the time a Claim is filed (the “Rules”). Any arbitration under this Agreement will take place on an individual basis; class arbitrations and class actions are not permitted. The Party to file that claim chooses the administrator. You can obtain the Rules and other information about initiating arbitration by contacting the American Arbitration Association at 1633 Broadway, 10th Floor, New York, NY 10019, (800) 778-7879,
www.adr.org
; or by contacting JAMS at 1920 Main Street, Suite 300, Irvine, CA 92614, (949) 224-1810,
www.jamsadr.com
.
The address for serving any arbitration demand or claim on us is:
GWOP Solutions, 1001 Bannock St. Suite #605 Denver, CO, 80204,
Attention: Compliance.
Claims will be arbitrated by a single, neutral arbitrator, who shall be a retired judge or a lawyer with at least ten (10) years’ experience. We agree not to invoke our right to elect arbitration of an individual Claim filed by you in a small claims or similar court (if any), so long as the Claim is pending on an individual basis only in such court.
We will pay all filing and administration fees charged by the administrator and arbitrator fees up to one thousand ($1,000) USD, and we will consider your request to pay any additional arbitration costs; however, if an arbitrator issues an award in our favor, you will be required to reimburse us for any fees we have previously paid to the administrator or for which we are responsible. If you receive an award from the arbitrator, we will reimburse you for any fees paid by you to the administrator or arbitrator. Each Party shall bear its own attorney’s, expert’s and witness fees, which shall not be considered costs of arbitration; however, if a statute gives you the right to recover these fees, or fees paid to the administrator or arbitrator, then these statutory rights will apply in arbitration.
Any in-person arbitration hearing will be held in the State of Oregon, or in such other locations as mutually agreed upon. The arbitrator shall apply applicable substantive law consistent with the Federal Arbitration Act, 9 U.S.C. 1-16, and, if requested by either Party, provide written reasoned findings of fact and conclusions of law. The arbitrator shall have the power to award any relief authorized under applicable law. Any appropriate court may enter judgment upon the arbitrator’s award. The arbitrator’s decision will be final and binding except that:
Any Party may exercise any appeal right under the FAA; and
Any Party may appeal any award relating to a claim for more than one-hundred thousand ($100,000) USD to a three-arbitrator panel appointed by the administrator, which will reconsider de novo any aspect of the appealed award. The panel’s decision will be final and binding, except for any appeal right under the FAA. Unless applicable law provides otherwise, the appealing Party will pay the appeal’s cost, regardless of its outcome; however, we will consider any reasonable written request by you for us to bear the cost.
YOU AND WE AGREE THAT EACH MAY BRING CLAIMS AGAINST THE OTHER ONLY IN OUR INDIVIDUAL CAPACITY, AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS OR REPRESENTATIVE PROCEEDING.
Further, unless both you and we agree otherwise in writing, the arbitrator may not consolidate more than one person’s claims. The arbitrator shall have no power to arbitrate any Claims on a class action basis or Claims brought in a purported representative capacity on behalf of the general public, other borrowers, or other persons similarly situated. The validity and effect of this Arbitration clause shall be determined exclusively by a court, and not by the administrator or any arbitrator.
If any portion of this Arbitration clause is deemed invalid or unenforceable for any reason, it shall not invalidate the remaining portions of this clause. However, if this Arbitration clause is deemed invalid or unenforceable in whole or in part, then this entire Arbitration clause shall be deemed invalid and unenforceable. The terms of this Arbitration clause will prevail if there is any conflict between the Rules and this section.
YOU AND WE AGREE THAT, BY ENTERING INTO THIS AGREEMENT, THE PARTIES ARE EACH WAIVING THE RIGHT TO A TRIAL BY JURY OR TO PARTICIPATE IN A CLASS ACTION. YOU AND WE ACKNOWLEDGE THAT ARBITRATION WILL LIMIT OUR LEGAL RIGHTS, INCLUDING THE RIGHT TO PARTICIPATE IN A CLASS ACTION, THE RIGHT TO A JURY TRIAL, THE RIGHT TO CONDUCT FULL DISCOVERY, AND THE RIGHT TO APPEAL (EXCEPT AS PERMITTED IN THIS ARBITRATION CLAUSE OR UNDER THE FEDERAL ARBITRATION ACT).
You and we acknowledge and agree that the arbitration agreement set forth in this Arbitration clause is made pursuant to a transaction involving interstate commerce, and thus the Federal Arbitration Act shall govern the interpretation and enforcement of this Arbitration clause.
This clause shall not apply to covered borrowers as defined in the Military Lending Act.
INDEMNIFICATION
The User agrees to defend, protect, indemnify, and hold the Company, and its affiliates, officers, managers, directors, employees, contractors, and subcontractors, harmless against any and all claims, demands, causes of action, and judgments of every kind and character, including regulatory agency costs, court costs, and attorneys fees, arising, occurring, growing out of, incident to, or resulting directly or indirectly from any misrepresentation made by the User on this website or in connection with the services offered on this website, regardless of whether such misrepresentation was intentional or unintentional.
The User also agrees to defend, protect, indemnify, and hold the Company, and its affiliates, officers, managers, directors, employees, contractors, and subcontractors, harmless against any and all claims, demands, causes of action, and judgments of every kind and character asserted by any third-party that arise out of or in connection with the services offered on this website, or any breach by the User of any provision of this website’s terms and conditions. The indemnities set forth in this here are subject to the restrictions or limitations imposed by law, but only to the extent of such restrictions or limitations.
LIMITATION ON LIABILITY:
EXCLUDING DAMAGES ARISING FROM THE COMPANY’S BREACH OF CONFIDENTIALITY OBLIGATIONS, THE COMPANY SHALL NOT BE LIABLE TO THE USER, REGARDLESS OF THE FORM OF ACTION, WHETHER IN CONTRACT, TORT, OR OTHERWISE, FOR ANY LOST PROFITS BUSINESS INTERRUPTION, OR FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES ARISING OUT OF OR RELATING TO THIS AGREEMENT, EVEN IF THE USER HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES OR LIABILITY, NOR SHALL THE COMPANY’S AGGREGATE LIABILITY FOR ANY OTHER DAMAGES ARISING OUT OF THIS AGREEMENT EXCEED THE LIQUIDATION FEE PAID BY THE “USER” TO THE “COMPANY” IN ACCORDANCE WITH THE TERMS OF THIS AGREEMENT.
MILITARY LENDING ACT.
The Military Lending Act provides specific protections for active duty service members and their dependents in consumer credit transactions. This Military Lending Act clause includes information on the protections provided to covered borrowers as defined in the Military Lending Act.
Statement of MAPR.
Federal law provides important protections to members of the Armed Forces and their dependents relating to extensions of consumer credit. In general, the cost of consumer credit to a member of the Armed Forces and his or her dependents may not exceed an annual percentage rate of thirty-six (36%) percent. This rate must include, as applicable to the credit transaction or account:
The costs associated with credit insurance premiums;
Fees for ancillary products sold in connection with the credit transaction;
Any application fee charged (other than certain application fees for specified credit transactions or accounts); and
Any participation fee charged (other than certain participation fees for a credit card account).
NO WARRANTIES:
Through your use of this website, you acknowledge and agree that information and/or documents provided by the Company is simply information and should not be considered legal advice, tax advice, brokerage advice, or investment advice.
If you are in need of legal advice or financial advice, please consult the appropriate advisor, such as your own attorney, accountant, or other professional.
You agree that your use of the website is at your sole and exclusive risk and that any services provided by the Company are on an “As Is” basis. The Company hereby expressly disclaims any and all express or implied warranties of any kind, including, but not limited to the implied warranty of fitness for a particular purpose and the implied warranty of merchantability. Documents, information, or other services received on or through this website may not be appropriate for your particular situation, the assessment of which is your sole and exclusive responsibility.
The Company makes no warranties that the website will meet your needs or that the website will be uninterrupted or error-free. The Company also makes no warranties as to the reliability or accuracy, completeness, or quality of any information on the website or obtained through any services. You agree that the Company is not liable for any errors, omissions, losses, or damages, which may have been caused by your use of this website to the extent permitted by law.
Moreover, you agree not to use the website:
To reproduce, distribute the Company IP in any way, or violate any intellectual property rights of the Company or a third party;
To harass, abuse, or threaten others or otherwise violate any person’s legal rights;
To upload or otherwise disseminate any computer viruses or other software that may damage the property of another;
To perpetrate any fraud;
To engage in or create any unlawful gambling, sweepstakes, or pyramid scheme;
To publish or distribute any obscene or defamatory material;
To publish or distribute any material that incites violence, hate, or discrimination towards any group;
To unlawfully gather information about others;
To damage the website or the general business of the Company; or
For any unlawful purpose.
ORAL DISCLOSURES.
Please call +1 (833) 863-3863 to obtain oral disclosures, including the statement of MAPR, required under the Military Lending Act.
STATE LAW DISCLOSURES.
CA Residents: Interest is compounded on unpaid Interest Charges on Purchases, Cash Advances and Balance Transfers.
IA Residents:
NOTICE TO CONSUMER:
Do not sign this paper before you read it;
You are entitled to a copy of this paper; and
You may prepay the unpaid balance at any time without penalty and may be entitled to receive a refund of unearned charges in accordance with law.
KS Residents:
NOTICE TO CONSUMER:
Do not sign this agreement before you read it;
You are entitled to a copy of this agreement; and
You may prepay the unpaid balance at any time without penalty.
MA Residents:
Massachusetts law prohibits discrimination based upon marital status or sexual orientation.
MD Residents:
You have the right under Section 12-510 of the Commercial Law Code to receive an answer to a written inquiry concerning the status of your Account directly from the Third-Party Lender.
ME Residents:
NOTICE TO CONSUMER:
Do not sign this agreement before you read it. You are entitled to a copy of this agreement. Maine law requires that the following disclosures be provided to you before any contract is signed with, and before any money is paid to, GWOP Solutions or to third parties. The agreement between you and GWOP Solutions must be in writing and signed, and must contain a description of the services to be performed, payment details, any guarantees, the time frame of the contract, and offers of full or partial refunds, as well as a notice informing you of the importance of reading the contract and retaining a copy.
MO Residents:
Oral agreements or commitments to loan money, extend credit, or to forbear from enforcing repayment of a debt including promises to extend or renew such debt are not enforceable. To protect you and GWOP Solutions from misunderstanding or disappointment, any agreements we reach covering such matters will be contained in writing, which shall be the complete and exclusive statement of the agreement between us, except as we may later agree in writing to modify it.
ND Residents:
MONEY BROKERS ARE LICENSED AND REGULATED BY THE DEPARTMENT OF FINANCIAL INSTITUTIONS, 2000 SCHAFER STREET, SUITE G, BISMARCK, NORTH DAKOTA 58501-1204. THE DEPARTMENT OF FINANCIAL INSTITUTIONS HAS NOT PASSED ON THE MERITS OF THE CONTRACT AND LICENSING DOES NOT CONSTITUTE AN APPROVAL OF THE TERMS OF THE BROKER’S ABILITY TO ARRANGE ANY LOAN. COMPLAINTS REGARDING THE SERVICES OF MONEY BROKERS SHOULD BE DIRECTED TO THE DEPARTMENT OF FINANCIAL INSTITUTIONS.
NJ Residents:
Because certain provisions of this Agreement are subject to applicable laws, they may be void, unenforceable or inapplicable in some jurisdictions. None of these provisions, however, is void, unenforceable, or inapplicable in New Jersey.
OH Residents:
The Ohio laws against discrimination require that all creditors make credit equally available to all credit worthy customers, and that credit reporting agencies maintain separate credit histories on each individual upon request. The Ohio civil rights commission administers compliance with this law.
TX Residents:
For questions or complaints about personal loans, contact GWOP Solutions, LLC at [Insert Number for GWOP Solutions] or Info@GWOPSolutions.com. If a complaint or question cannot be resolved by contacting GWOP Solutions, LLC, consumers can contact the OCCC to file a complaint or ask a general credit-related question.
OCCC address:
2601 N. Lamar Blvd., Austin, Texas 78705. Phone: (800) 538-1579. Fax: (512) 936-7610.
Website:
occc.texas.gov
.
E-mail:
consumer.complaints@occc.texas.gov
Complaints or questions relating to a credit card surcharge may be sent to the Consumer Protection Division of the Office of the Attorney General of Texas at:
Office of the Attorney General
Consumer Protection Division
PO Box 12548
Austin, TX 78711-2548
1-800-621-0508
UT Residents:
As required by Utah law, you are hereby notified that a negative credit report reflecting on your credit record may be submitted to a credit reporting agency if you fail to fulfill the terms of your credit obligations.
WA Residents:
Oral agreements or oral commitments to loan money, extend credit, or to forbear from enforcing repayment of a debt are not enforceable under Washington law.
WI Residents:
NOTICE TO CUSTOMER:
DO NOT SIGN THIS IF IT CONTAINS ANY BLANK
SPACES.YOU
ARE ENTITLED TO AN EXACT COPY OF ANY AGREEMENT YOU SIGN; ANDYOU HAVE THE RIGHT AT ANY TIME TO PAY IN ADVANCE THE UNPAID BALANCE DUE UNDER THIS AGREEMENT AND YOU MAY BE ENTITLED TO A PARTIAL REFUND OF THE FINANCE CHARGE.
No provision of a marital property agreement, a unilateral statement, or a court decree adversely affects the interest of the creditor unless the creditor, prior to the time the credit is granted, is furnished a copy of the agreement, statement or decree or has actual knowledge of the adverse provision when the obligation to the creditor is incurred.
For questions or comments regarding these Disclaimers, please contacts us at:
Info@GWOPSolutions.com
Last Updated:
Jun 22, 2023
Refund Policy
THIS REFUND POLICY (the “Policy”) is between GWOP Solutions, a limited liability company duly organized under the laws of the State of Colorado (“GWOP Solutions, Company, us, we, our”), and the User(s) of this website (“Users, you”), which you must accept to use any aspect of this website. By continuing to use this website, you assent to each term in this Policy. If you do not understand or agree to this Policy, then you agree to immediately cease your use of this website.
Please note that all sales of GWOP Solutions’s financial products are final and that we do not offer refunds or cancellations.
By purchasing our products or services, you agree to the terms and conditions outlined in your sale agreement(s), the Terms and Conditions of this website, and this Policy. It is important that you read and understand your sale agreement(s), the Terms and Conditions of this website, and this Policy before making any purchases on this website.
For questions or comments regarding GWOP Solutions’s Refund Policy, please contacts us at:
Info@GWOPSolutions.com; or at our website.
Last Updated:
June 22, 2023