Policy on Responsible Lending
Totalfortunes.com wants consumers to be educated, make smart financial decisions, and to be protected from malicious personal
consumer lenders and other unsavory businesses that engage in unlawful and unethical lending practices.
Trust and Truth
Totalfortunes.com’s policies and practices conform to applicable provisions of fair lending laws like the Truth in Lending
Act. Before a consumer enters into a loan agreement, the lender should provide you in writing (this can be electronically)
with the exact fees, rates, charges, roll over charges and other details. Visit the Rates and Fees section of this website
to learn about current regulations and laws in your state.
The Dodd-Frank Wall Street Reform Act states that all lenders must engage in “fair lending” practices. The Consumer Financial
Protection Bureau enforces fair lending rules and regulations.
Current State Regulations
Totalfortunes.com encourages lenders to follow applicable federal and state regulations. This includes conformity with local
laws regarding interest rates, maximum loan terms, rollover limits, fees, cooling-off periods in between loans, and other
loan terms. Lenders that are an extension of a federally recognized Indian Tribe act as independent sovereign nations and
may not be required to follow local laws regarding rates, fees and other loan terms, although such lenders conform to federal
lending laws including the Truth in Lending Act.
Totalfortunes.com doing business as
Totalfortunes.com” or “we” or “our”), owns and operates the website located at
Totalfortunes.com (the “Site”).
Totalfortunes.com provides and maintains this Site for your information, conditioned on your acceptance, without
and using the Site, you accept and agree without limitation to the following:
You agree that clicking “Get Cash Now” (or other such button you use to submit your loan request) acts as your electronic signature. You further consent that we and any lender we share your request with can communicate with you electronically and that any required disclosures may be provided to you electronically, including without limitation any notices of adverse action that a lender is required send to you. You also confirm that you have the ability to access documents electronically, including the ability to view and save PDF files.
Products and Services
Totalfortunes.com is not a lender and is not responsible for any lending product advertised or offered to you,
or for any credit decisions made about you. No specific loan products are offered to you on this Site. Specific loan products
are offered to you directly by the lender.
Loan Inquiry Policy
Totalfortunes.com reserves the right to reject your inquiry at any time for any reason not prohibited by law.
Totalfortunes.com may require additional information or verification before your loan request is accepted. When
you submit your information through a form on our Site, you will be connected with a lender for further consideration based
on the lender’s policies and procedures. This does not mean your loan has been approved. Loan approval is solely the lender’s
Totalfortunes.com is not responsible for taking, approving or denying your loan request. By submitting your information,
you agree that if we cannot find a lender that can offer you the type of loan you initially requested, we will search our
network of lenders and lending partners to see if we can find other lenders and lending partners with different loan products
to help you.
Participating lenders and lending partners may verify your social security number, driver’s license number or other federal
or state identification, as well as review your credit worthiness through national databases that may include Equifax,
Transunion, Experian and other credit bureaus. By submitting your information to us, you agree that lenders and lending
partners may obtain such credit reports and verify your information.
You must be 18 years or older and a legal resident of the United States to submit a loan request. You agree not to use this
Site for any illegal or inappropriate activities.
Compliance With Laws
You agree to comply with all applicable laws, statutes, ordinances and regulations regarding your use of this Site and your
acceptance or purchase of products or services through any of this Site’s third party vendors.
Totalfortunes.com may, in its sole discretion, report actual or perceived violations of law to law enforcement
we may (but are not obligated to) conduct an investigation to determine the nature and extent of the suspected violation
and the appropriate enforcement action to be taken. During such investigation, we may suspend services to any customer
being investigated and may delete data from our servers in order to prevent or minimize further violations. You agree to
you to criminal or civil penalties.
The trademarks, titles, characters, trade names, graphics, designs and other properties, including all software, text and
images appearing on this Site is the intellectual property of
Totalfortunes.com, its licensees, or other third parties who have authorized use of such properties on the Site.
You have permission to view and make copies of documents, pages, images or other materials or content on this site for the
sole purposes of requesting a loan.
Totalfortunes.com reserves all other rights in this Site and its contents. You may not distribute, display, transmit
or disseminate any documents, pages, images, materials or content without our prior written consent. Nothing contained
on this Site should be construed as conferring any right or license to any trademark, copyright or other intellectual property
Limitation of Liability and Disclaimer of Warranties
Totalfortunes.com uses commercially reasonable efforts to ensure that the information on this Site is accurate,
but accuracy is not guaranteed.
Totalfortunes.com makes no representations regarding your use of this Site or results that you may or may not obtain
through such use.
Totalfortunes.com NOR ANY OTHER PARTY INVOLVED IN CREATING, PRODUCING OR DELIVERING THIS SITE SHALL BE LIABLE FOR
ANY DIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL, INDIRECT OR PUNITIVE DAMAGES ARISING OUT OF YOUR ACCESS TO, OR USE OF,
THIS SITE. EVERYTHING ON THIS SITE IS PROVIDED “AS IS” AND WITHOUT WARRANTY OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING
BUT NOT LIMITED TO, ANY IMPLIED WARRANTY OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE OR NON-INFRINGEMENT. THESE
EXCLUSIONS AND LIMITATIONS ARE APPLIED TO THE FULLEST EXTENT PERMITTED BY LAW.
Third Party Content
This Site may contain links to websites maintained by third parties.
Totalfortunes.com is not responsible for the content or privacy policies of third party websites, and the existence
of such links should not be considered an endorsement or recommendation of those websites, the product or service offered
or any third parties associated with those websites.
Totalfortunes.com will not use your information in any way inconsistent with the purposes and limitations provided
acceptance of such modifications.
Totalfortunes.com uses industry-recognized technology to protect your personal information. Although
Totalfortunes.com takes commercially reasonable measures to secure your personal information submitted through
Totalfortunes.com cannot guarantee that your information will not be intercepted or decrypted by others. So long
Totalfortunes.com uses commercially reasonable security measures, it accepts no responsibility for such interception
or decryption except as required by law.
Totalfortunes.com does not charge you any fees for your use of this Site or our marketplace service.
Totalfortunes.com is not acting as an agent for (1) you, (2) any lender or (3) any supplier or vendor used in the
evaluation of your loan inquiry or other use of this Site.
Totalfortunes.com may receive compensation from lenders and lending partners and other third parties for its services.
Law and Venue
Totalfortunes.com or with any lender you borrow from as a result of
Totalfortunes.com’s service, those issues shall be decided by binding arbitration. Arbitration proceeding shall
be conducted under the applicable rules of the American Arbitration Association or JAMS in Clark County, Nevada. The decision
of the arbitrator shall be final and binding on both parties. The prevailing party shall be entitled to recover the cost
of arbitration, travel expenses, expert testimony, travel expenses of experts, and all other expenses reasonably incurred
in bringing or defending an arbitration claim, from the other party unless otherwise prohibited by law.
Your use of this Site after such modification constitutes your acceptance of and agreement to any new or amended terms.
By using this Site, you agree to indemnify, defend and hold harmless
Totalfortunes.com, its subsidiaries, affiliates, officers, agents and other partners and employees, from any loss,
liability, claim or demand, including reasonable attorneys’ fees, made by any third party due to or arising out of your
use or attempted use of the Site.
By using the Site, you understand and agree that
Totalfortunes.com in its sole discretion and without prior notice may terminate your access to this Site and to
any services offered, and may remove any content you have provided if
Policy or their intent, or that such content may be disruptive, offensive or in violation of applicable laws.
Class Action Waiver
ANY PROCEEDINGS TO RESOLVE, LITIGATE OR ARBITRATE ANY DISPUTE IN ANY FORUM WILL BE CONDUCTED SOLELY ON AN INDIVIDUAL BASIS.
NEITHER YOU NOR
Totalfortunes.com WILL SEEK TO HAVE ANY DISPUTE HEARD AS A CLASS ACTION, PRIVATE ATTORNEY GENERAL ACTION, OR IN
ANY OTHER PROCEEDING IN WHICH EITHER PARTY ACTS OR PROPOSES TO ACT IN A REPRESENTATIVE CAPACITY. NO ARBITRATION OR PROCEEDING
WILL BE COMBINED WITH ANOTHER WITHOUT THE PRIOR WRITTEN CONSENT OF ALL PARTIES TO ALL AFFECTED ARBITRATIONS OR PROCEEDINGS.
FURTHERMORE, YOU AGREE THAT YOU WILL NOT SEEK TO HAVE ANY DISPUTE AGAINST ANY LENDER TO WHOM YOU ARE REFERRED HEARD AS
A CLASS ACTION, PRIVATE ATTORNEY GENERAL ACTION, OR IN ANY OTHER PROCEEDING IN WHICH EITHER PARTY ACTS OR PROPOSES TO ACT
IN A REPRESENTATIVE CAPACITY. THIS CLASS ACTION WAIVER MAY BE LIMITED BY APPLICABLE LAW, BUT IS INTENDED TO BE ENFORCED
TO THE FULL EXTENT ALLOWED BY LAW.
Any reference to
Totalfortunes.com includes Totalfortunes.com. All rights not expressly granted to you are reserved to
the construction and interpretation thereof.
be invalid or unenforceable, such determination shall not affect such provision in any other respect or any other provision
the entire agreement and understanding between the parties with respect to the subject matter contained herein and supersedes
and replaces any and all prior written or oral agreements related to the subject matter hereof.
Company name: Totalfortunes.com
INFORMATION FOR ISPs:
Company name: Totalfortunes.com
PLEASE NOTE THAT FOR QUESTIONS PERTAINING TO YOUR LOAN REQUEST STATUS, YOU MUST CONTACT YOUR LENDER DIRECTLY.
Totalfortunes.com IS NOT YOUR LENDER AND CANNOT ACCESS INFORMATION ABOUT YOUR LOAN APPROVAL OR STATUS.
Notice and Take Down Procedures
If you believe any materials accessible on or from the Site infringe your copyright or other intellectual property, you may
request removal of those materials (or access thereto) from the Site by contacting our copyright agent (identified below)
and providing the following information:
- Identification of the copyrighted work that you believe to be infringed. Please describe the work, and where possible include
a copy or the location (for example, the URL) of an authorized version of the work.
- Identification of the material that you believe to be infringing and its location. Please describe the material, and provide
a URL or any other pertinent information that will allow location of the material.
- Your name, address, telephone number and email address.
- A statement that in good faith you believe the complained of use of the materials is not allowed by the copyright owner,
its agent, or the law.
- A statement that your submission is accurate and that “under penalty of perjury” you are the copyright owner or the owner’s
- A signature or the electronic equivalent from the copyright holder or authorized agent.
Send the above information to:
For all email submissions, please include the subject line: DMCA Takedown Request.
Totalfortunes.com 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
|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; the reasons
chooses to share; and whether you can limit this sharing.
|Reasons we can share your personal information||Does
|Can you limit this sharing?|
|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||Yes||No|
|For joint marketing with other financial companies||Yes||No|
|For our affiliates’ everyday business purposes – information about your transactions and experiences||Yes||No|
|For our affiliates’ everyday business purposes – information about your creditworthiness||Yes||Yes|
|For our affiliates to market to you||Yes||Yes|
|For nonaffiliates to market to you||Yes||Yes|
|To limit our sharing||
If you are a new customer, we can begin sharing your information 30 days from the date we sent this notice. When
However, you can contact us at any time to limit our sharing as noted above.
|Who are we|
|Who is providing this notice?||Totalfortunes.com (dba
|What do we do|
Totalfortunes.com 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 buildings.
Totalfortunes.com collect my personal information?
|We collect your personal information, for example, when you
We also collect your personal 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
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.|
|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.|
|Joint Marketing||A formal agreement between nonaffiliated financial companies that together market financial products or services to
|Other important information|
notice to you. We do not maintain a process for consumers to review and request changes to any personally identifiable
information that is collected here.Vermont residents: We will not disclose information about you with affiliates or non-affiliated, third
party companies or financial institutions, other than as required or permitted by law, without your express permission.California residents: We will not share information we collect about you with affiliated or non-affiliated
third parties, except in the limited circumstances permitted under state law, or if you give us your permission
(i.e., via a request form). Also please note that in order to provide better services to consumers, when we receive
a Do Not Track signal, we may ignore such signals. Other parties may collect personally identifiable information
about an individual consumer’s online activities over time and across different web sites when a consumer uses
our website or service.North Dakota residents: We will not disclose information about you with non-affiliated, third party companies
or financial institutions, other than as required or permitted by law, without your express permission.Nevada residents: If you would like more information regarding this notice or Nevada’s law regarding corporate
do-not-call registries, you can contact us at the toll-free number or address included in this notice or the Bureau
of Consumer Protection, Office of the Nevada Attorney General at 555 E. Washington Street, Suite 3900, Las Vegas,