Last updated 9/14/2023
We make no representation that materials on this Site are appropriate or available for use in other locations. Spotloan’s Services may not be available to residents of all states.
Spotloans are an expensive form of credit intended only for short-term financial needs. Spotloans are designed to help you deal with emergencies such as rent, medical bills, car repairs, or expenses related to your job. Spotloans are not intended to solve longer-term credit or other financial needs, and alternative forms of credit may be better for you. These include borrowing from a friend or relative, using a credit card cash advance, taking out a personal loan, or using a home equity loan or savings.
Spotloan is a wholly owned economic arm and instrumentality of the Turtle Mountain Band of Chippewa Indians (the “Tribe”), a federally recognized Native American tribe. Spotloan is organized under the laws of the Tribe. The Tribe regulates financial services provided to anyone choosing to access such services from the Tribe’s jurisdiction, such as you, under the Turtle Mountain Band of Chippewa Tribal Lending Code, Title 43 (available at www.spotloan.com/faq). Spotloan offers such services within the Tribe’s jurisdiction through a license issued by the Turtle Mountain Band of Chippewa Tribal Lending Regulatory Commission. BY CHOOSING TO VISIT THE TRIBE’S JURISDICTION THROUGH THIS SITE AND ACCESS SERVICES OFFERED AND REGULATED UNDER THE TRIBE’S LAWS, YOU FREELY CONSENT TO THE TRIBE’S JURISDICTION REGARDING ALL ASPECTS OF YOUR USE OF THIS SITE AND ANY SPOTLOAN YOU MAY OBTAIN.
As an economic arm of the Tribe, Spotloan possesses sovereign immunity which will limit any actions, if any, you may bring in a dispute.
The contents of this Site, including without limitation, text, design, graphics, images, and other content (collectively, the “Content”) are owned by or licensed to Spotloan, its third party vendors, and/or other third parties. The Content is protected under copyright law. Your use of this Site provides limited access to view, download, and print the Content, solely in conjunction with your permitted use. No portion of this Site should otherwise be reproduced, stored, or transmitted by any means for any purpose.
Such unauthorized use will constitute a violation of copyright, trademark, and other laws. Any copies of copyrighted or trademarked materials, or names obtained from this Site, should retain all copyright and proprietary notices and should not be used without permission. Use of any Content on this Site does not grant ownership rights to such Content or to this Site. You may not sell or modify Content or display Content for public or commercial use.
Our Site may contain links to websites owned by third parties. Such sites are provided solely as resources and as a convenience to our users. These links, and any associated content, are not intended to be an endorsement, recommendation, or referral for any website or third party, and we are not responsible nor do we make representation for any content, information, security practices, or privacy policies for these websites and/or third parties. If you, as a user of our Site, decide to access any third party website using links from our Site, you do so at your own risk. Site users are expected to independently assess whether information and resources from any website, including ours, will meet their needs.
If you are directed to this Site from a non-affiliated third-party, you acknowledge that Spotloan does not make any representations or warranties regarding any non-affiliated third-party, the content of their site, or any acknowledgements you make by using a non-affiliated third party’s site.
You agree not to provide any user information that: (a) is false, inaccurate, defamatory, abusive, libelous, unlawful, obscene, threatening, harassing, fraudulent, pornographic, or harmful, or that could encourage criminal or unethical behavior; (b) violates or infringes the privacy, copyright, trademark, trade dress, trade secrets, or intellectual property rights of any person or entity; or (c) contains or transmits a virus or any other harmful component.
When you submit a loan application and/or become a Spotloan customer, you agree that Spotloan may contact you using written, electronic, or verbal means. We may contact you regarding your loan application or loan, to verify your identity and/or phone number, and on other loan-related issues. This consent includes, but is not limited to, contact by prerecorded or artificial voice messages, text messages, emails and/or automatic telephone dialing systems. You agree that Spotloan may use any email address or phone number you provide, including a number for a cellular phone or other wireless device, even if you incur charges as a result. You may opt out of receiving text messages by replying STOP to a Spotloan text message.
Spotloan collects information from Site users, such as your browser type, operating system, access times, and pages viewed. Information is also collected regarding the device used to access the website, such as a mobile device ID, model, manufacturer, and IP address of the mobile device. None of this information is PII, and is collected primarily to maintain the security and operation of the services offered by Spotloan.
This Site uses Mouseflow (https://mouseflow.com), a third-party analytics tool, to track page content and click/touch, movement, scroll, and keystroke activity. You can opt-out at: https://mouseflow.com/opt-out/.
SPOTLOAN SHALL NOT BE LIABLE TO ANY USER OF THIS SITE FOR ANY DAMAGES WHATSOEVER RESULTING FROM YOUR USE OR INABILITY TO USE THIS SITE, ITS MATERIAL, OR ANY THIRD PARTY WEBSITES LINKED TO THIS SITE, INCLUDING, BUT NOT LIMITED TO, DIRECT, INDIRECT, INCIDENTAL, PUNITIVE, SPECIAL, EXEMPLARY, OR CONSEQUENTIAL DAMAGES (INCLUDING, BUT NOT LIMITED TO, ANY LOST PROFITS, BUSINESS INTERRUPTION, LOST SAVINGS, OR LOSS OF PROGRAMS OR OTHER DATA), WHETHER BASED ON WARRANTY, CONTRACT, TORT, OR ANY OTHER LEGAL THEORY, AND WHETHER WE ARE ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.
You agree that your sole remedy to any problem with this Site, including errors from and inaccuracies within, is to cease using this Site and the Services offered. Spotloan and any third party who promotes the Services or provides you with a link to this Site, shall not be liable for your use of this Site, including, but not limited to, any errors or omissions in any content, any infringement by any content of the intellectual property rights or other rights of third party, or for any loss or damage of any kind incurred as a result of its use.
THE SITE AND ITS CONTENT ARE PROVIDED “AS-IS” AND WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESSED AND IMPLIED, INCLUDING, BUT NOT LIMITED TO, THE WARRANTY OF MERCHANTABILITY, NON-INFRINGEMENT OF THIRD PARTIES’ RIGHTS, THE WARRANTY OF FITNESS FOR A PARTICULAR PURPOSE, ACCURACY OF DATA, AND SYSTEM INTEGRATION. IN ADDITION, WE MAKE NO WARRANTY THAT THE SITE AND ITS SERVER ARE FREE FROM VIRUSES OR OTHER HARMFUL TECHNOLOGIES.
Spotloan makes every effort to ensure that the information contained in our correspondence, reports, on the website, and given verbally by our directors, officers, and staff is accurate to the best of our belief at the time the information is provided, but we cannot guarantee the accuracy of all such information in all circumstances and contexts. You must check all correspondence between us, and promptly notify Spotloan if something appears to be wrong or not made in accordance with your instructions.
You acknowledge that from time to time you may not be able to access this Site, including without limitation when the Site is unavailable to allow for repairs, maintenance, or the introduction of new facilities or services.
You acknowledge and agree that Spotloan using the Site to provide its Services allows it to have complete authority, responsibility, supervision, and control over the provision of all such Services it offers.