Terms of Service

Last Updated on May 20, 2022

You are visiting a website owned by SoraFinance, Inc., a Delaware corporation (“Sora”). By using this website and by clicking “I accept”, you are entering into a legal agreement to abide by this Terms of Use Agreement (“Agreement”), and you are agreeing that you have read and fully understand these terms of use.

This Agreement applies to the websites operated by Sora and its affiliates and subsidiaries (“Websites” or each individually “Website”) on which this Agreement is displayed. This Agreement also applies to your use of any goods, facilities or services offered through the Websites (collectively “Services”), regardless of how they are accessed. By accessing, browsing, or using the Websites, you acknowledge that you understand, accept and agree to be bound by this Agreement, as well as our Privacy Policy which is incorporated into this Agreement by reference. You agree that, to the fullest extent required by the law of any state, you have been provided with, have received, and are agreeing to all disclosure and consent requirements.

For purposes of this Agreement, “you” or “your” means the person(s) using the Websites and/or the Services, and any person(s) for whom such person(s) are acting as an agent with respect to the Websites and/or the Services.
“Lending Partner(s)” includes, but may not be limited to, the banks, lenders, financial institutions, insurers, service providers, real estate companies, dealers, agents, brokers and other entities offering products and services through Sora’s Websites.
“Loan” includes, but may not be limited to, any of the credit and related products and services which you inquire about by using the Sora websites.
“Loan Detail Form” refers to information you submit regarding your desired loan that enables us to match you with an appropriate Lending Partner.
“Sora”, “us” or “we” includes SoraFinance, Inc. and any of its affiliates or subsidiaries.

We reserve the right, at our sole discretion, to change or modify the Websites or this Agreement (or any portion thereof) at any time. Such changes and modifications become effective immediately upon posting on the Websites. You agree to review this Agreement for any such changes upon your use of the Websites and that your continued use of the Websites or Services constitutes your acceptance of such changes and modifications. The Websites are intended for individuals who are at least 18 years of age and are accessing the internet from a physical location within the United States of America. By using or accessing the Websites, you acknowledge that you are 18 years of age or older and are accessing the internet from a physical location within the United States of America.

Our Privacy Policy, hereby incorporated by reference into this Agreement, explains how We collect, protect, share, and use your information as part of our technology platforms, and all of our products and services.

Consumer Information Security Policy

Our Consumer Information Security Policy, hereby incorporated by reference into this Agreement, explains the measures we take to protect your information and descriptions of ways we implement these measures for different types of information you may provide to us.

All text, graphics, photographs, videos, sound, trademarks, logos, artwork, interfaces and computer code, including but not limited to the design, coordination, “look and feel” and arrangement of elements contained on the Websites (collectively “Content”) is owned or licensed by or to Sora. The Content is protected by trademark, copyright, and patent laws, and other intellectual property rights and unfair competition laws. Except as expressly stated herein, no part of the Websites or Content may be copied, reproduced, republished, uploaded, posted, publicly displayed, encoded, transmitted or distributed in any way, including the use of framing or mirrors, to any other computer, server, website or other medium for publication or distribution or for any commercial enterprise, without Sora’s prior written permission. Nothing on the Websites should be construed as granting any license or right to use any Content.

Disclaimers and Liability

ALL WEBSITES, CONTENT AND SERVICES ARE PROVIDED FOR USE “AS IS” WITHOUT WARRANTY OF ANY KIND. SORA DOES NOT WARRANT THAT THE WEBSITES, CONTENT OR SERVICES WILL BE ACCURATE, ERROR-FREE OR UNINTERRUPTED. SORA DOES NOT WARRANT THAT THE WEBSITES, CONTENT OR SERVICES WILL PROVIDE SPECIFIC RESULTS.

TO THE MAXIMUM EXTENT NOT PROHIBITED BY LAW:

UNDER NO CIRCUMSTANCES WILL SORA BE LIABLE FOR ANY DAMAGES WHATSOEVER ARISING OUT OF YOUR RELIANCE ON OR USE OF THE WEBSITES, CONTENT, SERVICES OR OTHER ITEMS LOCATED ON THE WEBSITES.
SORA DISCLAIMS ALL WARRANTIES OF ANY KIND, WHETHER STATUTORY, EXPRESS OR IMPLIED, INCLUDING, WITHOUT LIMITATION, IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE.

ADDITIONALLY, THE INCLUSION OR OFFERING OF ANY PRODUCTS OR SERVICES ON THE WEBSITES DOES NOT CONSTITUTE ANY ENDORSEMENT OR RECOMMENDATION OF SUCH PRODUCTS OR SERVICES BY US. ALL SUCH INFORMATION, PRODUCTS AND SERVICES ARE PROVIDED “AS IS” WITHOUT WARRANTY OF ANY KIND.

Limitation on Damages

SORA’S LIABILITY, IF ANY, SHALL BE LIMITED TO DIRECT AND FORESEEABLE DAMAGES, WHICH SHALL NOT EXCEED THE AMOUNT PROVIDED BELOW. UNDER NO CIRCUMSTANCES SHALL SORA BE LIABLE FOR INDIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL, STATUTORY, PUNITIVE OR EXEMPLARY DAMAGES SUCH AS, BUT NOT LIMITED TO, LOSS OF REVENUE OR ANTICIPATED PROFITS OR LOST BUSINESS, LOSS OF OR DAMAGE TO DATA, OR EMOTIONAL DISTRESS NOTWITHSTANDING ANY OTHER PROVISION OF THIS AGREEMENT, IN NO EVENT SHALL SORA’S TOTAL LIABILITY EXCEED U.S. $100.00. THESE LIMITATIONS AND EXCLUSIONS APPLY EVEN IF THIS REMEDY DOES NOT FULLY COMPENSATE YOU FOR ANY LOSSES OR FAILS OF ITS ESSENTIAL PURPOSE OR IF WE KNEW OR SHOULD HAVE KNOWN ABOUT THE POSSIBILITY OF THE DAMAGES. TO THE MAXIMUM EXTENT PERMITTED BY LAW, THESE LIMITATIONS AND EXCLUSIONS APPLY TO ANY CLAIMS RELATED TO THIS AGREEMENT OR TO THE SERVICES.

Links to Third Party Websites

The Websites may contain links to websites maintained by third parties. Such links are provided for your convenience and reference only. We do not operate or control in any respect any information, software, products or services available on non-affiliated third-party websites. Our inclusion of a link to a website does not imply any endorsement of the services or the website, its contents, or its sponsoring organization. Your use of any such third-party websites may be subject to other terms and conditions imposed by the third parties maintaining those websites. When you leave the Websites, you agree that We are not responsible for the accuracy or content of the information provided by that website, nor is it liable for any direct or indirect technical or system issues arising out of your access to or use of third-party technologies or programs available through that website.

Errors and Delays

You agree that Sora is not responsible for any errors or delays in responding to a request or referral form caused by, including but not limited to, an incorrect email address or other information provided by you or other technical problems beyond our reasonable control.

Governing Law, Waivers and Limitations

All matters relating to the Services and this Agreement, and any dispute or claim arising therefrom or related thereto shall be governed by and construed in accordance with the internal laws of the State of California without giving effect to any choice or conflict of law provision or rule. You agree that the Services, and all Websites provided by or on behalf of Sora do not give rise to personal jurisdiction over Sora, either specific or general, in any jurisdiction other than the State of California. Any legal suit, action, or proceeding arising out of, or related to, these Terms of Service or the Services shall be instituted exclusively in the state or federal courts located in the City of San Francisco, State of California. You waive any and all objections to the exercise of jurisdiction over you by such courts and to venue in such courts.

You also agree that any dispute or cause of action arising out of or related to the Websites, Services or Content must be commenced within one year from the later of (1) when the dispute or cause of action accrues or, (2) through the exercise of reasonable diligence you should have known about the accrual of the cause of action. Otherwise, such cause of action is permanently barred.

This Agreement (including all referenced or incorporated policies, agreements and other provisions) constitutes the entire agreement between you and Sora and supersedes all prior or contemporaneous oral or written agreements or other communications between the parties with respect to the subject matter hereof. If a conflict between the language of this Terms of Use Agreement and the language of any terms incorporated by reference, the latter incorporated terms shall control.

You acknowledge and agree that, in entering into this Agreement, you are not relying on any representation, warranty, statement or promise, express or implied, not explicitly set forth in this Agreement, and you hereby waive any claimed reliance on same. If any provision of this Agreement shall be found to be invalid or unenforceable, you agree such provision shall, to the maximum extent feasible, be modified by to render it enforceable with respect to the Dispute at issue and to reflect to the maximum extent possible the intent of the existing language of the provision when considered in the context of this Agreement as a whole, that such modified provision shall be enforced with respect to the underlying claims in the Dispute at issue, and that such a finding of invalidity or unenforceability shall not affect the validity or enforceability of this Agreement as a whole or of any other provision of this Agreement.

Terms Applicable to the Services

We provide a platform that enables consumers to comparison shop on Sora’s Websites for financial products and services offered by Sora’s network of Lending Partners.

By submitting any Loan Detail Form through the Website, you are indicating that you desire to be matched with and contacted by the relevant Lending Partner(s), and you are providing express written consent that Sora, a third party on Sora’s behalf, and Sora’s Lending Partners with whom you are matched, may deliver calls or text messages to you, including for marketing purposes, using an automatic telephone dialing system or an artificial or prerecorded voice to the phone number you have provided. You understand that you are providing this consent to receive such telephone calls even if your telephone number is currently listed on any federal, state, local, internal, or corporate Do-Not-Call (“DNC”) Lists. You understand that you are not required to consent to receive these communications as a condition of using Sora’s services.

In addition, you agree that by utilizing the Services, you authorize Sora to perform a “soft credit pull” via various third-party credit rating agencies, which will require the use of the last four (4) digits of your Social Security Number.

You consent to receive email from Sora, its affiliates, and its Lending Partners at the email address you provided or at other addresses that may be associated with you that we receive from Lending Partners or other parties. You hereby consent to any such email, so it will not be considered spam or unauthorized by any local, state or federal law or regulation. You agree that the consents described herein shall remain valid and in effect until you revoke them by opting out as described below.

You may opt out of receiving calls from Sora at any time by engaging in any of the following reasonable means: (1) emailing contact@SoraFinance.com to expressly state in writing that you no longer wish to be contacted by Sora and are revoking your consent to be contacted; (2) notifying a Sora customer service representative that you no longer wish to be contacted by Sora and are revoking your consent to be contacted; or (3) Responding to any SMS, mobile, or text message you receive from Sora in accordance with the express written instructions of that particular messaging program. At any time, you may update your preferred method of contact by calling +1 (650) 714-8444. You agree to notify any particular Lending Partner directly if you no longer want to receive communications from them. You further agree that Sora is not responsible for a Lending Partner’s failure to follow your or our instructions to stop contacting you.

Sora is not a lender or a creditor. Sora is not an agent of either you or any Lending Partner. Sora’s services are only administrative. You agree you will rely on your own judgment and research independent of any communications or information you receive from Sora in deciding which available product, terms and Lending Partner best suits your needs and financial situation.

Any Loan Application Form you submit is not an application for credit. Rather, it is an inquiry to be matched with Lending Partners that may be able to present conditional offers. The Lending Partner is solely responsible for its services to you, and you agree that Sora shall not be liable for any damages or costs of any type arising out of or in any way connected with your use of such services or your interactions with any Lending Partner. You understand that Lending Partners may keep your Loan Detail Form information and any other information provided by Sora or received by them in the processing of your Loan Detail Form, whether you are qualified for a product with them or complete a formal application for services with them.

For any Service, by saving your information with Sora or submitting a Loan Detail Form, you represent that all the information you have provided is true, accurate, current and complete. You further acknowledge that you alone will use your account to access the Services. You must not sell, transform or assign your account to anyone else. You agree to keep your login information confidential, to employ reasonable and appropriate safeguards to prevent unauthorized access to your account, and to not share your account credentials with any third party or allow anyone else to log into our Services as you. You are responsible for all activities that occur under your member account. If you believe that your account is no longer secure, you agree to notify us immediately.

When you “submit” information, create an account or otherwise register for Services through our Websites, you understand and agree that you have established a business relationship between you and Sora. Accordingly, Sora may send your information to certain affiliates and third parties as provided in the Privacy Policy and you agree that Sora, its affiliates, and persons calling on Sora’s behalf may contact you using information you provided with information and offers of services available through Sora and the Websites.

We do not guarantee acceptance into any particular program or specific terms or conditions with any Lending Partner; approval standards are established and maintained solely by individual Lending Partners. Likewise, we do not guarantee that the rates offered by Lending Partners include the lowest rates available in the market or the rate that the Lending Partners will ultimately charge. A Lending Partner’s conditional Loan offer may be subject to market conditions, approval and qualification. The rates and fees actually provided by Lending Partners may be higher or lower depending on your complete credit profile, collateral/property considerations (if applicable) including but not limited to location, equity and value and income/asset consideration including but not limited to Loan to value and debt to income ratios. Unless expressly stated in writing, nothing contained herein shall constitute an offer or promise for a Loan commitment or interest rate lock-in agreement. Lending Partners may not offer all products as well as not offer products in all states. You might not be matched with the Lending Partner making any specific offer. If you agree to terms with any Lending Partner with whom you are matched on our Websites, you will be responsible for paying for any closing costs associated with your Loan (such as settlement services, Loan processing, underwriting or funding fees) at closing.

By clicking on any button indicating an acceptance or agreement to terms, a continuance of processing or submission (collectively, a “submission”) you understand that you are consenting, acknowledging and agreeing to the stated terms and conditions of that submission and that you are submitting an inquiry for a Service through Sora to each of the Lending Partners to whom your Loan request is transmitted.

User-Generated Content

You may from time to time be asked to submit user generated content. By submitting any content on these Websites or through any social media channel associated with Sora, you represent and warrant that:

that all information you post is true and accurate to your knowledge, information and belief;
you are the sole author and owner of the intellectual property rights thereto;
all “moral rights” that you may have in such content have been voluntarily waived by you;
you are at least 18 years old; and
use of the content you supply does not violate this Agreement and will not cause injury to any person or entity.

You further agree and warrant that you shall not submit any content:

that is known by you to be false, inaccurate or misleading;
that infringes any third party’s copyright, patent, trademark, trade secret or other proprietary rights or rights of publicity or privacy;
that violates any law, statute, ordinance or regulation (including, but not limited to, those governing export control, consumer protection, unfair competition, anti-discrimination or false advertising);
that is, or may reasonably be considered to be, defamatory, libelous, hateful, racially or religiously biased or offensive, unlawfully threatening or unlawfully harassing to any individual, partnership or corporation;
for which you were compensated or granted any consideration by any third party;
that includes any information that references other websites, addresses, email addresses, contact information or phone numbers; or
that contains any computer viruses, worms or other potentially damaging computer programs or files.

You agree to indemnify and hold Sora (and its officers, directors, agents, subsidiaries, joint ventures, employees and third-party service providers), harmless from all claims, demands, and damages (actual and consequential) of every kind and nature, known and unknown including reasonable attorneys’ fees, arising out of a breach of your representations and warranties set forth above, this Agreement, or your violation of any law or the rights of a third party.

All content that you submit may be used at our sole discretion. We reserve the right to change, condense or delete any content on any website or social media property that we deem, in our sole discretion, to violate the content guidelines or any other provision of these Terms of Use. We reserve the right to remove or to refuse to post any submission for any reason. You acknowledge that you, not Sora, are responsible for the contents of your submission. None of the content that you submit shall be subject to any obligation of confidence on the part of us, our agents, subsidiaries, affiliates, partners or third-party service providers and their respective directors, officers and employees.

By submitting content or submitting your email address in connection with your rating and review, you agree that Sora and its third-party service providers or the entity being reviewed may use your email address to contact you about the status of your review and other administrative purposes.

How We Are Compensated

Sora is paid a fee by Lending Partners for connecting Lender Partners with borrowers who utilize the Lending Partners’ financial products. Sora is also compensated by wealth managers who use Sora as a tool to assist their clients. Your use of the Websites and/or Sora’s services constitutes your agreement with such compensation arrangements.