Terms and Conditions

Welcome to Nourican Portfolio 1. These Terms and Conditions ("Terms") govern your use of our website and services. By accessing or using our website, you agree to be bound by these Terms. If you do not agree with any part of these Terms, please do not use our services.

Acceptance of Terms

By accessing and using the services provided by Nourican Portfolio 1, you acknowledge that you have read, understood, and agree to be bound by these Terms and Conditions, as well as our Privacy Policy. These Terms constitute a legally binding agreement between you and Nourican Portfolio 1.

Eligibility

To use our services, you must:

• Be at least 18 years of age
• Have the legal capacity to enter into a binding contract
• Provide accurate and complete information
• Comply with all applicable laws and regulations
• Not be prohibited from receiving our services under applicable law

Services Description

Nourican Portfolio 1 provides direct lending services, including personal loans, business financing, debt consolidation, and related financial products. All lending decisions are subject to our underwriting criteria and approval process.

We reserve the right to:

• Modify or discontinue any service at any time
• Refuse service to anyone for any lawful reason
• Change our lending criteria and terms
• Update fees, rates, and product offerings

Application and Approval Process

When you submit a loan application, you authorize us to:

• Verify the information you provide
• Obtain credit reports and scores from credit bureaus
• Contact your employer, references, or financial institutions
• Conduct identity verification checks
• Assess your creditworthiness and ability to repay

Submission of an application does not guarantee approval. All applications are subject to our underwriting standards and lending criteria. We reserve the right to approve, deny, or request additional information for any application.

SMS Terms & Conditions

Loan Terms and Conditions

If your loan application is approved, you will receive specific loan terms including:

• Loan amount
• Interest rate (APR)
• Repayment term
• Monthly payment amount
• Total amount to be repaid
• Any applicable fees

You must carefully review and accept these terms before your loan is finalized. Once accepted, the loan agreement becomes a binding contract between you and Nourican Portfolio 1.

Repayment Obligations

You agree to repay your loan according to the terms specified in your loan agreement. Failure to make timely payments may result in:

• Late fees and penalties
• Negative impact on your credit score
• Collection actions
• Legal proceedings
• Additional interest charges

Prepayment

Unless otherwise specified in your loan agreement, you may prepay your loan in full or in part at any time without penalty. Prepayment may reduce the total interest you pay over the life of the loan.

User Responsibilities

As a user of our services, you agree to:

• Provide accurate, current, and complete information
• Maintain the security of your account credentials
• Notify us immediately of any unauthorized use
• Update your information as necessary
• Use our services only for lawful purposes
• Comply with all applicable laws and regulations

Intellectual Property

All content on our website, including text, graphics, logos, images, and software, is the property of Nourican Portfolio 1 or its licensors and is protected by copyright, trademark, and other intellectual property laws. You may not:

• Copy, modify, or distribute our content without permission
• Use our trademarks or branding without authorization
• Reverse engineer or attempt to extract source code
• Create derivative works based on our content

Website Use and Restrictions

You agree not to:

• Use our website for any illegal or unauthorized purpose
• Interfere with or disrupt the website or servers
• Attempt to gain unauthorized access to our systems
• Transmit viruses, malware, or harmful code
• Harvest or collect information about other users
• Impersonate another person or entity
• Submit false or misleading information

Disclaimer of Warranties

Our website and services are provided "as is" and "as available" without warranties of any kind, either express or implied, including but not limited to warranties of merchantability, fitness for a particular purpose, or non-infringement. We do not warrant that:

• Our services will be uninterrupted or error-free
• Defects will be corrected
• Our website is free of viruses or harmful components
• The results obtained from our services will be accurate or reliable

Limitation of Liability

To the fullest extent permitted by law, Nourican Portfolio 1 shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to loss of profits, data, or goodwill, arising from:

• Your use or inability to use our services
• Unauthorized access to your account or information
• Errors or omissions in our content
• Any conduct or content of third parties

Indemnification

You agree to indemnify, defend, and hold harmless Nourican Portfolio 1, its officers, directors, employees, and agents from any claims, liabilities, damages, losses, costs, or expenses (including reasonable attorneys' fees) arising from:

• Your use of our services
• Your violation of these Terms
• Your violation of any rights of another party
• Your violation of applicable laws or regulations

Third-Party Links

Our website may contain links to third-party websites or services. We are not responsible for the content, privacy policies, or practices of these external sites. Your use of third-party websites is at your own risk.

Governing Law and Dispute Resolution

These Terms shall be governed by and construed in accordance with the laws of the State of Connecticut, without regard to its conflict of law provisions. Any disputes arising from these Terms or your use of our services shall be resolved through:

• Good faith negotiations between the parties
• Mediation, if negotiations are unsuccessful
• Binding arbitration, if mediation fails
• Litigation in the courts of Hartford County, Connecticut, as a last resort

Modifications to Terms

We reserve the right to modify these Terms at any time. We will notify you of material changes by posting the updated Terms on our website and updating the "Last Updated" date. Your continued use of our services after such changes constitutes acceptance of the modified Terms.

Severability

If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions shall continue in full force and effect. The invalid provision shall be modified to the minimum extent necessary to make it valid and enforceable.

Entire Agreement

These Terms, together with our Privacy Policy and any loan agreements you enter into, constitute the entire agreement between you and Nourican Portfolio 1 regarding your use of our services.

Contact Information

If you have any questions or concerns about these Terms and Conditions, please contact us:

Nourican Portfolio 1
12 Crissroads Plaza
Hartford, CT 06117
Email: gary@nourican-portfolio-1.com