1. Introduction

Welcome to Pacific Financial (“Company”, “we”, “our”, “us”). These Terms and Conditions (“Terms”) govern your use of our website www.pacificfinancial.com (the “Site”), including any content, functionality, and services offered on or through the Site, as well as any loan or financial products provided by the Company. By accessing or using the Site or our services, you agree to comply with and be bound by these Terms. If you do not agree with these Terms, you must not use our Site or services.

2. Eligibility

• Age Requirement: You must be at least 18 years old to use our Site or apply for a loan or financial product from the Company.
• Legal Capacity: By using our services, you represent that you have the legal capacity to enter into a binding contract with us.
• Compliance: You agree to comply with all applicable laws and regulations when using our Site and services.

3. Loan Applications

• Accuracy of Information: You agree to provide accurate, current, and complete information when applying for a loan. Any false or misleading information may result in the rejection of your application and may constitute a criminal offense.
• Credit Checks: By submitting a loan application, you authorize the Company to perform credit checks and obtain credit reports to evaluate your creditworthiness.
• Loan Approval: Approval of any loan application is at the sole discretion of the Company. We reserve the right to deny any application without providing a reason.

4. Loan Terms

• Interest Rates and Fees: The specific terms of your loan, including interest rates, fees, and repayment schedules, will be provided to you in a separate loan agreement. You agree to review and accept the terms of the loan agreement before proceeding with the loan.
• Repayment Obligations: You are responsible for repaying the loan in accordance with the terms set forth in the loan agreement. Failure to repay the loan as agreed may result in additional fees, interest charges, and legal action.
• Early Repayment: You may have the option to repay your loan early without penalty, subject to the terms of your loan agreement.

5. Use of the Site

• Account Registration: To access certain features of the Site, you may be required to register for an account. You agree to provide accurate, current, and complete information during the registration process and to update such information as necessary.
• Prohibited Activities: You agree not to use the Site for any unlawful purpose or in any way that could harm the Company, its clients, or other users. Prohibited activities include, but are not limited to:
  • Attempting to gain unauthorized access to the Site or the Company’s systems.
  • Using the Site to transmit any unlawful, fraudulent, or harmful content.
  • Engaging in any conduct that interferes with the normal operation of the Site.

6. Intellectual Property

• Ownership: The Site and its entire contents, features, and functionality (including but not limited to all information, software, text, displays, images, video, and audio, and the design, selection, and arrangement thereof) are owned by Pacific Financial, its licensors, or other providers of such material and are protected by intellectual property laws.
• Limited License: We grant you a limited, non-exclusive, non-transferable, and revocable license to access and use the Site for your personal and non-commercial use. You must not reproduce, distribute, modify, or create derivative works of the Site without our prior written consent.

7. Disclaimers and Limitation of Liability

• No Warranties: The Site and our services are provided on an “as is” and “as available” basis, without warranties of any kind, either express or implied, including but not limited to the implied warranties of merchantability, fitness for a particular purpose, or non-infringement.
• Limitation of Liability: To the fullest extent permitted by law, we will not be liable for any direct, indirect, incidental, consequential, or punitive damages arising out of or related to your use of the Site or our services, even if we have been advised of the possibility of such damages.

8. Indemnification

You agree to indemnify, defend, and hold harmless Pacific Financial, its officers, directors, employees, agents, licensors, and suppliers from and against all claims, losses, liabilities, expenses, damages, and costs, including reasonable attorneys’ fees, arising out of or related to your use of the Site, your violation of these Terms, or your infringement of any intellectual property or other rights of any person or entity.

9. Governing Law and Dispute Resolution

• Governing Law: These Terms are governed by and construed in accordance with the laws of California, without regard to its conflict of laws principles.
• Dispute Resolution: Any disputes arising out of or related to these Terms or your use of the Site or our services will be resolved through binding arbitration in accordance with the rules of [Arbitration Organization], and judgment on the arbitration award may be entered in any court having jurisdiction thereof.

10. Changes to These Terms

We reserve the right to modify these Terms at any time without prior notice. Any changes will be effective immediately upon posting on the Site. Your continued use of the Site or our services after any changes to these Terms will constitute your acceptance of such changes.

11. Contact Information

If you have any questions or concerns about these Terms or our services, please contact us at:

• Pacific Financial
• Email: info@pacificfinancial.com
• Address: 
• Phone: 818.874.9334