By accessing, browsing and/or using this website, DoctorsFundingGroup.com (hereinafter the “DoctorsFundingGroup website” or “Website” or “DFG“), and any and all subdomains thereof, including those requiring login, you acknowledge that you have read, understood, and agree to be bound by the following Terms of Use Policy. Content on this Website and the services offered by DoctorsFundingGroup LLC (referred to herein as “DoctorsFundingGroup LLC,” “DoctorsFundingGroup,” “us,” “we,” and other similar pronouns) may change from time to time. If the content of the Terms of Use Policy changes, the changes will be posted on this Website, and a date will be added to the page to indicate the date the changes were made and the date the Terms of Use Policy was last revised. It is your responsibility to keep informed of any changes, and your continued use of the DoctorsFundingGroup Website is your continued acceptance of the DoctorsFundingGroup Website generally, and of the Terms of Use Policy. Some features of this Website, or products or services offered, may be subject to additional terms, conditions and disclaimers not contained in the Terms of Use Policy. If additional terms, conditions, or disclaimers apply to other products or services, DoctorsFundingGroup will make you aware of the same.

WEBSITE

This Website is owned and operated by DoctorsFundingGroup LLC. The DoctorsFundingGroup website is for informational purposes only and may be updated, monitored, amended, or removed without notice.

PROPRIETARY RIGHTS TO DoctorsFundingGroup WEBSITE

All DoctorsFundingGroup website content is the property of DoctorsFundingGroup LLC with all rights reserved. Use of any DoctorsFundingGroup website content without the written permission of DoctorsFundingGroup LLC is strictly prohibited.

INTELLECTUAL PROPERTY

DoctorsFundingGroup is a trade name used by DoctorsFundingGroup LLC. In addition to the DoctorsFundingGroup trade name, additional registered names, logos, graphics, phrases, marks, or designs on the DoctorsFundingGroup website are protected intellectual property, as noted with these names, logos, graphics, phrases, marks or designs when used. Intellectual property owned by DoctorsFundingGroup LLC may not be used without the prior written permission of DoctorsFundingGroup LLC, and unauthorized use of protected material may violate copyright, trademark, privacy, or other laws. Further, no intellectual property owned by DoctorsFundingGroup or other DoctorsFundingGroup website content may be copied, displayed, reproduced, distributed, or modified without the express consent of DoctorsFundingGroup, LLC.

LOANS

All loans are made by DoctorsFundingGroup LLC, a Delaware limited liability company with its principal place of business in Kennesaw, Georgia. DoctorsFundingGroup LLC only makes consumer loans to individuals in which the proceeds are dispersed in full and must be repaid according to the set payment schedule in the loan agreement. The initial principal amount of these loans ranges from $3,500 to $15,000, depending on a variety of factors. All loan determinations are subject to credit review and approval, and rates and fees are subject to change. No information on this DoctorsFundingGroup website should be construed as a guarantee of specific lending results. Not all applicants will qualify for all loan products offered. When making a credit decision, including determining applicable annual percentage rates, DoctorsFundingGroup LLC may consider credit score, loan amount, loan term, credit usage and other information, but reserves the right to consider additional factors. Individual borrowers must be U.S. citizens or permanent residents, must be at least 18 years old or the age of contracting majority in the borrower’s state of residence, must have a valid deposit account with insured deposits located in the United States, and must have a valid social security number. To apply for a loan, you will need to register on this DoctorsFundingGroup website and provide requested information. You represent and warrant that any joint account holder has consented to any withdrawals for payments or other transfers. For individuals who are approved for a loan, the consumer agrees that DoctorsFundingGroup LLC accepts no liability or responsibility for failing to make a transfer of approved loan funds within twenty-four hours if making a transfer would cause DoctorsFundingGroup LLC to violate any law, rule, or regulation to which DoctorsFundingGroup LLC is subject, if circumstances beyond DoctorsFundingGroup LLC’s control prevent the transfer of funds, if DoctorsFundingGroup LLC suspects your DoctorsFundingGroup website account, log-in information or deposit account information has been compromised, or if the transfer is subject to other technical errors as a result of telephone, device, Internet Service Provider, modem, and/or computer hardware or software that fails to perform.

APPLICATION, LOAN PROCESSING, AND PAYMENT PROCESSING

The business hours of DoctorsFundingGroup LLC are Monday to Friday, 8:30 am to 5:30 pm EST. All application and loan processing are conducted on these days and during these times, including all money transfers related to loans. If applications are submitted after 5 pm EST on any given day, processing will not occur until the following business day. Successful application processing is contingent on the consumer providing all requested information. Successful loan processing is contingent on the consumer providing all executed documents, bank account information, and identity verification processing.

If you are submitting some form of electronic payment through the DoctorsFundingGroup website, automatic clearinghouse debit “ACH,” electronic funds transfer, or otherwise, you acknowledge that fund transfers through a financial institution may take up to three (3) days, and same day transfers may not clear the financial institution until after 3:00 pm PST. Payments to DoctorsFundingGroup LLC are not considered received until the funds representing the full installment payment due have been deposited, transferred, processed or otherwise received from the financial institution to DoctorsFundingGroup. You acknowledge that payments received after the close of business on the date due, whether electronically submitted or by mail, may incur a late fee in accordance with your loan agreement. DoctorsFundingGroup LLC is not responsible for and assumes no liability for late or incomplete payments resulting through no fault of DoctorsFundingGroup LLC’s processing procedures, DoctorsFundingGroup LLC’s website, or DoctorsFundingGroup LLC’s financial institution. Further, you acknowledge that you assume all responsibility for payments considered late and any penalties, fees, or additional consequences resulting from such late payment as a result of a failed transaction due to lack of sufficient funds needed to complete a transaction, any failures in your financial institution’s payment processing system, failure by you to provide the complete or correct payment account information to your financial institution or to DoctorsFundingGroup LLC, and any failure by you or your financial institution as a result of computer, electronic, internet or other issues. Any complaints, disputes, questions, or concerns regarding payment or loan processing may be submitted to DoctorsFundingGroup LLC c/o Processing, 2434 N Greenview, Chicago, IL 60614.

LOCATION FOR LOAN AVAILABILITY

DoctorsFundingGroup LLC only considers making loans to residents of certain states in the United States of America in compliance with federal and specific state laws and requirement. Currently Licensed or Authorized to Lend in 17 States: GA, UT, NM, MO, MT, SD, OR, ND, AL, MI, DE, WA, CO, NJ, IL, CA & TX. Every loan amount may not be available in every state.

EXAMPLE LOAN CALCULATIONS

The DoctorsFundingGroup website may contain information on example loan and calculation tools to help you determine the terms of a loan that you may qualify for. These tools and examples are intended only to provide illustrations of the types of products and services DoctorsFundingGroup may offer and does not bind DoctorsFundingGroup to a specific rate, term, nor amount and is not a loan approval. The results from the examples and calculation tools are based on certain consumer profiles and assumptions that may not apply to you. Therefore, if you are approved for a loan by DoctorsFundingGroup LLC, aspects of your loan may differ from example loans and calculations provided on the DoctorsFundingGroup website.

ACCESSIBILITY

Each visitor to the DoctorsFundingGroup website may establish a user account by providing certain information. The user account requires a username and password, and establishes communication between you and the DoctorsFundingGroup website and/or network. The user account does not create a relationship or loan agreement between you and DoctorsFundingGroup LLC. If you initiate a loan application, DoctorsFundingGroup LLC may request additional information of you, which will be added to your user account information, and will be used to identify and/or track your loan request. If you are approved for a loan, DoctorsFundingGroup LLC may collect additional information from you that may be included in your user account information and may be used to identify you and/or track loan and payment information. By creating a user account, you acknowledge and agree that DoctorsFundingGroup LLC and any agents or third parties with whom DoctorsFundingGroup contracts or engages may gain access to and may utilize certain information submitted by you to determine security access levels, preferences, associations, and other lawful purposes. A user account is only available to a natural person and may not be established by a natural person on behalf of an entity. Individuals under the age of 18 or under the age of contracting majority in the individual’s state of residence are not eligible for a user account.

PRIVACY

We may use standard software to collect information about visitors to the DoctorsFundingGroup website. Additionally, visitors and current clients may provide us with personal information via email or through the use of online forms. This personal information may include but is not limited to your name, date of birth, social security number, home address and telephone number, account login information, and other information that may be used to determine your eligibility for loans, verify your identity, or for other lawful purposes. This information may be used internally or externally, as appropriate, to handle the sender’s request, to perform services, or for any other permissible purpose. We may listen to and/or record phone calls between you and our representatives as permitted by applicable law.

Finally, we collect information about your computer and your visits to the DoctorsFundingGroup website, such as your IP address, geographical location, browser type, referral source, length of visit, and page views through the use of log files. We use this aggregated information in the administration of our DoctorsFundingGroup website to improve its usability and to evaluate the success of particular marketing/advertising campaigns, search engine optimization strategies and other marketing activities. We use non-identifying and aggregated information to help optimize the DoctorsFundingGroup website based on the needs of our users.

DATA OWNERSHIP & SHARING WITH THIRD PARTIES

From time to time, DoctorsFundingGroup LLC will share consumer information with third parties so that we may provide the products or services that you have requested. These third parties may assist us with responding to your requests, processing loans, and other related functions. We may also be required to disclose this information by law in conjunction with a law enforcement mandate, judicial proceeding, a court order, subpoena, search warrant or other such request. User acknowledges that data, information, and records obtained by DoctorsFundingGroup in the course of your visiting the DoctorsFundingGroup website, whether stored in electronic or hard copy, will be the sole property of DoctorsFundingGroup to the extent permissible by law. User acknowledges that DoctorsFundingGroup owns all rights and interest to such information obtained or provided, and user places no restriction on the lawful use of this information by DoctorsFundingGroup. User expressly authorizes and DoctorsFundingGroup reserves the right, based on this authorization, to utilize, distribute, transfer, share, trade, disclose, and/or sell, or offer to utilize, distribute, transfer, share, trade, disclose, and/or sell data received about user to third parties for any lawful purpose. Such lawful purposes may include, but not be limited to, the purposes of marketing, underwriting, fraud detection, account and portfolio management, collections, and overall consumer risk assessment. This information may include, but is not limited to, information relating to a user’s visit to and use of the DoctorsFundingGroup website, information provided during the application process, and/or user’s account history or payment history under any agreements user may have with DoctorsFundingGroup. This data may include, in some instances, but is not limited to, personally identifiable information. Please review the DoctorsFundingGroup LLC Privacy Notice, hereby incorporated by reference into this Policy, which explains the information that is collected through the DoctorsFundingGroup website and which may be transmitted to third parties.

COMPLETING ONLINE FORMS

When you complete a form online, DoctorsFundingGroup LLC has programs in place to protect the information provided. The information you supply is encrypted and then decoded to begin processing when it arrives at DoctorsFundingGroup LLC.

SECURITY

DoctorsFundingGroup LLC considers protecting your personal and confidential information very important and takes various precautions to protect this information, no matter how the information is initially received. We use industry-recognized safeguards, including encryption, to secure and protect your personal information. Further information regarding DoctorsFundingGroup’s security policies and procedures is available upon request by contacting customer service at 1-844-275-2007.

DISCLAIMER

You understand and agree that your use of the DoctorsFundingGroup website is entirely at your own risk. DoctorsFundingGroup LLC is not responsible for the actions or content of users or third parties. DoctorsFundingGroup LLC does not promise any specific results from the use of the DoctorsFundingGroup website or related to a user’s attempt to obtain a loan. The DoctorsFundingGroup website may be temporarily unavailable from time to time. DoctorsFundingGroup LLC reserves the right to deny you access to or use of the DoctorsFundingGroup website. DoctorsFundingGroup LLC is not responsible for any loss or damages that result from use of the DoctorsFundingGroup website or the services offered by the DoctorsFundingGroup website.

EXTERNAL CONTENT

The DoctorsFundingGroup website may include links to third-party content, advertising or websites. Unless otherwise stated, DoctorsFundingGroup LLC does not investigate or monitor these websites, is not responsible for these websites, and does not endorse or otherwise provide any warranties or representations related to these websites. You acknowledge and agree that DoctorsFundingGroup LLC and the DoctorsFundingGroup website are not responsible for and do not endorse any advertising, products or resources available from such outside resources or websites. These external sites are not subject to the DoctorsFundingGroup LLC Terms of Use nor to the Privacy Notice. If you decide to leave the DoctorsFundingGroup website and access third party websites or content, you do so at your own risk, without any liability to DoctorsFundingGroup.

USER REPRESENTATIONS

You represent, warrant and agree that you will not:

Submit any materials through your account or otherwise that violate or infringe on the rights of any third party;
Use the DoctorsFundingGroup website to upload, post, email, transmit, or otherwise make available any unsolicited or unauthorized advertising, promotional materials, “junk mail,” “spam,” “chain letters,” “pyramid schemes” or any other form of commercial or non-commercial solicitation or bulk communications of any kind to any DoctorsFundingGroup website user or third party.
Use the DoctorsFundingGroup website in any unlawful manner or in such a way that it could damage, disable, overburden or impair the DoctorsFundingGroup website;
Register for more than one user account, except where authorized by DoctorsFundingGroup LLC;
Register for a user account on behalf of someone other than yourself, including a group or entity, except where authorized by DoctorsFundingGroup LLC;
Operate a user account for someone who is not eligible for a user account, except where authorized by DoctorsFundingGroup LLC;
Impersonate someone else or falsely represent any information about yourself; or
Use or attempt to use someone else’s account without authorization from the account user and not otherwise violate the provisions of the Account Security stipulations below.
If DoctorsFundingGroup LLC finds that you are in violation of the User Representations and/or Terms of Use Policy, DoctorsFundingGroup LLC reserves the right to suspend or terminate your use of the DoctorsFundingGroup website. If your use of the DoctorsFundingGroup website is terminated or suspended, you acknowledge that termination or suspension of your DoctorsFundingGroup website privileges does not cancel payments or outstanding obligations. Further, you agree that you will remain responsible for all transactions initiated through the DoctorsFundingGroup website prior to the suspension and/or termination and any fees incurred indat connection with the services provided by DoctorsFundingGroup LLC.

CONTACT INFORMATION

You must keep us informed of any change in your contact information, including email address, mailing address and phone number, so that you can receive all information from us in a timely manner.

ELECTRONIC TRANSACTIONS

It is your decision to do business with us electronically. Accordingly, it is necessary for you to consent to transact business with us electronically and online. You will be provided with an electronic transaction consent form if you create an account and pursue a loan with DoctorsFundingGroup LLC. This consent form will obtain your consent to participate in standard electronic transactions, including receiving electronic documents and disclosures instead of paper documents, and providing authorization through the use of electronic signatures. If at any time you withdraw your consent to transact business electronically, your withdrawal may impact your ability to transact business with DoctorsFundingGroup LLC. If you withdraw your consent to receive disclosures and information electronically while your loan request is still pending, DoctorsFundingGroup LLC will terminate your loan request and will no longer consider your loan application. If you withdraw your consent to receive disclosures and information electronically after you have entered into a loan agreement or your use of the DoctorsFundingGroup website is otherwise terminated or suspended, then all other terms and conditions will remain the same, and DoctorsFundingGroup LLC will mail disclosures and any other required information to the most recent home address you have provided. You may withdraw your consent to transact business electronically by sending a written statement indicating the effective date of your withdrawal and the updated address to which you wish to receive further communications to: DoctorsFundingGroup LLC, 2434 N Greenview, Chicago, IL 60614.

ACCOUNT SECURITY

As a user of the DoctorsFundingGroup website, you agree to: (1) provide truthful, accurate, current, and complete information as requested during the registration and lending process and promptly update any information that changes; (2) keep your account information, including your password, secure; and (3) take full responsibility for your account and proper usage of both your account and the DoctorsFundingGroup website. DoctorsFundingGroup LLC assumes no responsibility for unauthorized access by a third party to your user account, and considers all access attempts using the correct username and password, by the named user or by someone authorized by the named user to access the account, to be valid. Such authorized access by a third party includes providing to the third party information about your account intended to be secure and sufficient to access the account. If you believe that there is an error with regard to your account services or believe that your account is no longer secure, you may contact Customer Service at 1-844-275-2007.

GOVERNING LAW

By visiting and/or using the DoctorsFundingGroup website, you agree that the laws of the State of Georgia will govern the Terms of Use Policy and terms therein. If you obtain a loan from DoctorsFundingGroup LLC, you agree that the loan will be governed by federal laws and other laws as stated in the loan documents.

LIMITATION OF LIABILITY

DoctorsFundingGroup LLC is not liable for any damages, losses, or expenses arising from the use of or inability to use the DoctorsFundingGroup website or any reliance on any information contained herein. Further, DoctorsFundingGroup LLC is not liable for any losses caused by or resulting from malicious software or codes, viruses, system failure, interruption, defect, delay in operation or transmission of the DoctorsFundingGroup website, or remote access of computer equipment by third parties. DoctorsFundingGroup LLC is not responsible for any losses or damages incurred as a result of inaccurate information provided or any charges imposed by another financial institution in connection with DoctorsFundingGroup LLC’s performance of any electronic service or transaction or collection of payment.

INDEMNIFICATION

You agree to indemnify and hold harmless DoctorsFundingGroup from and against any and all claims, losses, expenses, demands or liabilities, including attorneys’ fees and costs, incurred by DoctorsFundingGroup in connection with any claim by a third party (including any intellectual property claim) arising out of (i) materials and content you submit to, post to or transmit through the DoctorsFundingGroup website, or (ii) your use of the DoctorsFundingGroup website in violation of this Terms of Use Policy or in violation of any applicable law. You further agree that you will cooperate fully in the defense of any such claims. DoctorsFundingGroup reserves the right, at its own expense, to assume the exclusive defense and control of any matter otherwise subject to indemnification by you, and you shall not in any event settle any such claim or matter without the written consent of DoctorsFundingGroup. You further agree to indemnify and hold harmless DoctorsFundingGroup from any claim arising from a third party’s use of information or materials of any kind that you post to the DoctorsFundingGroup website.

NON-WAIVER

DoctorsFundingGroup LLC’s failure to enforce any provisions of the Terms of Use Policy shall not be considered a waiver of such provision.

SEVERABILITY

If any provision of the Terms of Use Policy is found to be invalid or unenforceable, the remaining provisions will remain in full force and effect.

MARRIED APPLICANTS

California law requires us to provide the following disclosure to all applicants: A married applicant may apply for a separate account.

ONLINE TRACKING DISCLOSURE

DoctorsFundingGroup itself does not store user data in cookies. As DoctorsFundingGroup does not use tracking cookies, the DoctorsFundingGroup website does not respond to a browser’s Do Not Track signal or other such mechanisms. DoctorsFundingGroup’s website is operated by DoctorsFundingGroup itself, and third parties do not participate or have access to its content. DoctorsFundingGroup’s website may automatically store generic, non- person specific information, relating to the number of visitors to the website, geographic locations, and other generalized information for internal website performance purposes. If you leave DoctorsFundingGroup’s website to access a third party, said third party may have a different policy or procedures and you should familiarize yourself with them. If you apply for a loan, DoctorsFundingGroup will electronically store the personal information you provide and in the underwriting process may seek to identify the IP address from which you are applying for the loan. How DoctorsFundingGroup uses and how your information might be shared with third parties and your options in relation thereto are more fully set forth in the Privacy Notice contained on this website and can be viewed by clicking on the following link: Privacy Notice. In addition to using personal information to respond to or fulfill a loan request, DoctorsFundingGroup uses said information for multiple purposes including, but not limited to, analyzing and enhancing web, products and marketing aspects. For more information relating to DoctorsFundingGroup’s privacy policies and practices, please call 844-275-2007, Option 6 for Customer Service, send an email to customerservice@doctorsfundinggroup.com, or send a letter to DoctorsFundingGroup, LLC, Attn: Customer Service, 2434 N Greenview, Chicago, IL 60614.

DEBIT CARD PAYMENT REFUND POLICY

DoctorsFundingGroup accepts debit card payments on its loans. A customer may make a loan payment via a debit card and the money received will be credited to the customer’s loan account. DoctorsFundingGroup does not offer refunds on debit card payment transactions that have been completed and applied to a loan account.

CONTACT

Please contact DoctorsFundingGroup LLC for additional information at: Phone at 1-844-275-2007, mail to address 2434 N Greenview, Chicago, IL 60614, or via email to info@doctorsfundinggroup.com