Last Updated: April 14, 2023

1. 1. 1. Acceptance of the Terms of Use

      These terms of use are entered into by and between you and Sundance Medical Financing LLC (“Sundance,” “Company,” “We,” or “Us”). The following terms and conditions (“Terms of Use”) govern your access to and use of https://sundancemedicalfinancing.com, including any content, functionality, and services offered on or through https://sundancemedicalfinancing.com (the “Website”).

      Please read the Terms of Use carefully before you start to use the Website. By using the Website, you accept and agree to be bound and abide by these Terms of Use and our Privacy Policy, found here, incorporated herein by reference. If you do not want to agree to these Terms of Use or the Privacy Policy, you must not access or use the Website.

      This Website is offered and available to users who are 18 years of age or older and reside in the United States or any of its territories or possessions. By using this Website, you represent and warrant that you are of legal age to form a binding contract with the Company and meet all of the foregoing eligibility requirements. If you do not meet all of these requirements, you must not access or use the Website. If you violate these Terms of Use, or any other agreement you may have with Sundance, we may terminate your registration and/or prohibit you from using or accessing our services or the Website.

      THESE TERMS CONTAIN A BINDING ARBITRATION PROVISION AND CLASS ACTION WAIVER (SEE “ARBITRATION” SECTION BELOW). READ CAREFULLY, INCLUDING YOUR RIGHT, IF APPLICABLE, TO OPT OUT OF ARBITRATION. EXCEPT FOR CERTAIN TYPES OF DISPUTES DESCRIBED IN SECTION 22, ARBITRATION, BELOW, OR WHERE PROHIBITED BY LAW, BY ENTERING INTO THESE TERMS OF USE YOU EXPRESSLY AGREE THAT DISPUTES BETWEEN YOU AND THE COMPANY WILL BE RESOLVED BY BINDING, INDIVIDUAL ARBITRATION, AND YOU HEREBY WAIVE YOUR RIGHT OT PARTICIPATE IN A CLASS ACTION LAWSUIT OR CLASS-WIDE ARBITRATION.

      2. Changes to the Terms of Use

      We may revise and update these Terms of Use from time to time in our sole discretion. All changes are effective immediately when We post them. Your continued use of the Website following the posting of revised Terms of Use means that you accept and agree to the changes. You are expected to check this page so you are aware of any changes, as they are binding on you.

      3. Accessing the Website and Account Security

      We reserve the right to withdraw or amend this Website, and any service or material we provide on the Website, in our sole discretion without notice. We will not be liable if for any reason all or any part of the Website is unavailable at any time or for any period. From time to time, We may restrict access to some parts of the Website, or the entire Website, to users, including registered users.

      You are responsible for both:

      • Making all arrangements necessary for you to have access to the Website.
      • Ensuring that all persons who access the Website through your internet connection are aware of these Terms of Use and comply with them.

      To access the Website or some of the resources it offers, you may be asked to provide certain registration details or other information. It is a condition of your use of the Website that all the information you provide on the Website is correct, current, and complete. You agree that all information you provide to register with this Website or otherwise, including, but not limited to, through the use of any interactive features on the Website, is governed by our Privacy Policy, and you consent to all actions We take with respect to your information consistent with our Privacy Policy. If any information you provide is untrue, inaccurate, not current, or incomplete, We have the right to cancel any registration you may have with this Website, restrict your future use of the Website and the services available through it, reject any application you have submitted, or terminate any other agreement We may have with you. We reserve the right to reject any registration and/or decline any application for a loan.

      If you choose, or are provided with, a user name, password, or any other piece of information as part of our security procedures, you must treat such information as confidential, and you must not disclose it to any other person or entity. You also acknowledge that your account is personal to you and agree not to provide any other person with access to this Website or portions of it using your user name, password, or other security information. You agree to notify Us immediately of any unauthorized access to or use of your user name or password or any other breach of security. You also agree to ensure that you exit from your account at the end of each session. You should use particular caution when accessing your account from a public or shared computer so that others are not able to view or record your password or other personal information.

      We have the right to disable any user name, password, or other identifier, whether chosen by you or provided by Us, or to alter or limit your rights to use the Website, at any time in our sole discretion for any or no reason, including if, in our opinion, you have violated any provision of these Terms of Use or any other agreement you may have with Us.

      4. Intellectual Property Rights

      The Website 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) (collectively “Contents”) are owned by the Company, its licensors, or other providers of such material and are protected by United States and international copyright, trademark, patent, trade secret, and other intellectual property or proprietary rights laws. You may not copy, modify, imitate, or use the Website or its Contents, use any illustrations, photographs, video or audio sequences, or any graphics separately from the accompanying text, or delete or alter any copyright, trademark, or other proprietary rights notices from copies of materials from this Website, without Sundance’s prior written consent. You must not access or use for any commercial purposes any part of the Website or any services or materials available through the Website.

      No right, title, or interest in or to the Website or any content on the Website is transferred to you, and all rights not expressly granted are reserved by the Company. Any use of the Website not expressly permitted by these Terms of Use is a breach of these Terms of Use and may violate copyright, trademark, and other laws.

      5. Trademarks

      The Company name, the Company logo, and all related names, logos, product and service names, designs, and slogans are trademarks of the Company or its affiliates or licensors. You must not use such marks without the prior written permission of the Company. All other names, logos, product and service names, designs, and slogans on this Website are the trademarks of their respective owners.

      6. Prohibited Uses

      You may use the Website only for lawful purposes and in accordance with these Terms of Use. You agree not to use the Website:

      • In any way that violates any applicable federal, state, local, or international law or regulation (including, without limitation, any laws regarding the export of data or software to and from the US or other countries).
      • For the purpose of exploiting, harming, or attempting to exploit or harm minors in any way by exposing them to inappropriate content, asking for personally identifiable information, or otherwise.
      • To send, knowingly receive, upload, download, use, or re-use any material that does not comply with the Content Standards set out in these Terms of Use.
      • To transmit, or procure the sending of, any advertising or promotional material, including any “junk mail,” “chain letter,” “spam,” or any other similar solicitation.
      • To impersonate or attempt to impersonate the Company, a Company employee, another user, or any other person or entity, (including, without limitation, by using email addresses or screen names associated with any of the foregoing), or falsely state or otherwise misrepresent yourself.
      • To engage in any other conduct that restricts or inhibits anyone’s use or enjoyment of the Website, or which, as determined by Us, may harm the Company or users of the Website, or expose them to liability.
       

      Additionally, you agree not to:

      • Use the Website in any manner that could disable, overburden, damage, or impair the site or interfere with any other party’s use of the Website, including their ability to engage in real time activities through the Website.
      • Use any robot, spider, or other automatic device, process, or means to access the Website for any purpose, including monitoring or copying any of the material on the Website.
      • Use any manual process to monitor or copy any of the material on the Website, or for any other purpose not expressly authorized in these Terms of Use, without our prior written consent.
      • Use any device, software, or routine that interferes with the proper working of the Website.
      • Introduce any viruses, Trojan horses, worms, logic bombs, or other material that is malicious or technologically harmful.
      • Attempt to gain unauthorized access to, interfere with, damage, or disrupt any parts of the Website, the server on which the Website is stored, or any server, computer, or database connected to the Website.
      • Attack the Website via a denial-of-service attack or a distributed denial-of-service attack.
      • Otherwise attempt to interfere with the proper working of the Website.
       
      7. User Contributions

      The Website may contain message boards, chat rooms, personal web pages or profiles, forums, bulletin boards, chat widgets, and other interactive features (collectively, “Interactive Services“) that allow users to post, submit, publish, display, or transmit to other users or other persons (hereinafter, “post“) content or materials (collectively, “User Contributions“) on or through the Website.

      All User Contributions must comply with the Content Standards set out in these Terms of Use.

      Any User Contribution you post to the site will be considered non-confidential and non-proprietary. By providing any User Contribution on the Website, you grant us and our affiliates and service providers, and each of their and our respective licensees, successors, and assigns the right to use, reproduce, modify, perform, display, distribute, and otherwise disclose to third parties any such material for any purpose.

      You represent and warrant that:

      • You own or control all rights in and to the User Contributions and have the right to grant the license granted above to Us and our affiliates and service providers, and each of their and our respective licensees, successors, and assigns.
      • All of your User Contributions do and will comply with these Terms of Use.
       

      You understand and acknowledge that you are responsible for any User Contributions you submit or contribute, and you, not the Company, have full responsibility for such content, including its legality, reliability, accuracy, and appropriateness.

      We are not responsible or liable to any third party for the content or accuracy of any User Contributions posted by you or any other user of the Website.

      8. Monitoring and Enforcement; Termination

      We have the right to:

      • Remove or refuse to post any User Contributions for any or no reason in our sole discretion.
      • Take any action with respect to any User Contribution that we deem necessary or appropriate in our sole discretion, including if we believe that such User Contribution violates the Terms of Use, including the Content Standards, infringes any intellectual property right or other right of any person or entity, threatens the personal safety of users of the Website or the public, or could create liability for the Company.
      • Disclose your identity or other information about you to any third party who claims that material posted by you violates their rights, including their intellectual property rights or their right to privacy.
      • Take appropriate legal action, including without limitation, referral to law enforcement, for any illegal or unauthorized use of the Website.
      • Terminate or suspend your access to all or part of the Website for any or no reason, including without limitation, any violation of these Terms of Use.

      Without limiting the foregoing, We have the right to cooperate fully with any law enforcement authorities or court order requesting or directing us to disclose the identity or other information of anyone posting any materials on or through the Website. YOU WAIVE AND HOLD HARMLESS THE COMPANY AND ITS AFFILIATES, LICENSEES, AND SERVICE PROVIDERS FROM ANY CLAIMS RESULTING FROM ANY ACTION TAKEN BY ANY OF THE FOREGOING PARTIES DURING, OR TAKEN AS A CONSEQUENCE OF, INVESTIGATIONS BY EITHER SUCH PARTIES OR LAW ENFORCEMENT AUTHORITIES.

      However, We do not undertake to review material before it is posted on the Website, and cannot ensure prompt removal of objectionable material after it has been posted. Accordingly, We assume no liability for any action or inaction regarding transmissions, communications, or content provided by any user or third party. We have no liability or responsibility to anyone for performance or nonperformance of the activities described in this section.

      9. Content Standards

      These content standards apply to any and all User Contributions and use of Interactive Services. User Contributions must in their entirety comply with all applicable federal, state, local, and international laws and regulations. Without limiting the foregoing, User Contributions must not:

      • Contain any material that is defamatory, obscene, indecent, abusive, offensive, harassing, violent, hateful, inflammatory, or otherwise objectionable.
      • Promote sexually explicit or pornographic material, violence, or discrimination based on race, sex, religion, nationality, disability, sexual orientation, or age.
      • Infringe any patent, trademark, trade secret, copyright, or other intellectual property or other rights of any other person.
      • Violate the legal rights (including the rights of publicity and privacy) of others or contain any material that could give rise to any civil or criminal liability under applicable laws or regulations or that otherwise may be in conflict with these Terms of Use and our Privacy Policy.
      • Be likely to deceive any person.
      • Promote any illegal activity, or advocate, promote, or assist any unlawful act.
      • Cause annoyance, inconvenience, or needless anxiety or be likely to upset, embarrass, alarm, or annoy any other person.
      • Impersonate any person, or misrepresent your identity or affiliation with any person or organization.
      • Involve commercial activities or sales, such as contests, sweepstakes, and other sales promotions, barter, or advertising.
      • Give the impression that they emanate from or are endorsed by us or any other person or entity, if this is not the case.
       
      10. Copyright Infringement

      If you believe that any content on the Website violate a copyright you own or control, you may send a written notification to Us via email at cs@sundanceservicing.com, or via regular mail at 50 W. Broadway, Suite 335, Salt Lake City, UT, 84101. It is the policy of the Company to terminate the user accounts of repeat infringers. In your notification please:

      • Confirm you are the owner, or authorized to act on behalf of the owner, of the copyrighted work that has been infringed;
      • Identify the copyrighted work or works you claim has been infringed;
      • Identify the material that you claim is infringing or is the subject of infringing activity and that is to be removed; please include information reasonably sufficient to permit Us to locate the material;
      • Provide your contact details, including an email address; and
      • Provide a statement that the information you have provided is accurate and that you have a good-faith belief that use of the material in the manner complained of is not authorized by the copyright owner, its agent, or the law.
       
      11. Reliance on Information Posted

      The information presented on or through the Website is made available solely for general information purposes. We do not warrant the accuracy, completeness, or usefulness of this information. Any reliance you place on such information is strictly at your own risk. We disclaim all liability and responsibility arising from any reliance placed on such materials by you or any other visitor to the Website, or by anyone who may be informed of any of its contents.

      This Website may include content provided by third parties, including materials provided by other users, bloggers, and third-party licensors, syndicators, aggregators, and/or reporting services. All statements and/or opinions expressed in these materials, and all articles and responses to questions and other content, other than the content provided by the Company, are solely the opinions and the responsibility of the person or entity providing those materials. These materials do not necessarily reflect the opinion of the Company. We are not responsible, or liable to you or any third party, for the content or accuracy of any materials provided by any third parties.

      12. Changes to the Website

      We may update the content on this Website from time to time. We reserve the right to temporarily or permanently modify or discontinue this Website, or any portion of the Website, for any reason, without notice to you. Any of the material on the Website may be out of date at any given time, and We are under no obligation to update such material.

      13. Information About You and Your Visits to the Website

      All information We collect on this Website is subject to our Privacy Policy. By using the Website, you consent to all actions taken by Us with respect to your information in compliance with the Privacy Policy.

      14. Financing Agreements and Other Terms and Conditions

      All transactions for a loan or financing are governed by and subject to the terms and conditions contained in those financing documents (collectively the “Loan Agreement”). In the event that there is a conflict between the Loan Agreement and these Terms of Use, the terms of the Loan Agreement shall prevail. In the event there is a conflict between the Loan Agreement and the Privacy Policy, the terms of the Loan Agreement shall prevail.

      15. Linking to the Website and Social Media Features

      You may link to our homepage, provided you do so in a way that is fair and legal and does not damage our reputation or take advantage of it, but you must not establish a link in such a way as to suggest any form of association, approval, or endorsement on our part without our express written consent. You agree to cooperate with Us in causing any unauthorized linking within your control immediately to stop. We reserve the right to withdraw linking permission without prior notice. We may disable all or any social media features and any links at any time without notice in our discretion.

      16. Links from the Website

      If the Website contains links to other sites and resources provided by third parties, these links are provided for your convenience only. This includes links contained in any advertisements, including banner advertisements and sponsored links. We have no control over the contents of those sites or resources, and accept no responsibility for them or for any loss or damage that may arise from your use of them. If you decide to access any of the third-party websites linked to this Website, you do so entirely at your own risk and subject to the terms and conditions of use for such websites.

      17. Geographic Restrictions

      The owner of the Website is based in the State of Utah in the United States. We provide this Website for use only by persons located in the United States or any of its territories or possessions. We make no claims that the Website or any of its content is accessible or appropriate outside of those locations. Access to the Website may not be legal by certain persons or in certain countries. If you access the Website from outside those locations, you do so on your own initiative and are responsible for compliance with local laws.

      18. Disclaimer of Warranties

      You understand that We cannot and do not guarantee or warrant that files available for downloading from the internet or the Website will be free of viruses or other destructive code. You are responsible for implementing sufficient procedures and checkpoints to satisfy your particular requirements for anti-virus protection and accuracy of data input and output, and for maintaining a means external to our site for any reconstruction of any lost data. TO THE FULLEST EXTENT PROVIDED BY LAW, WE WILL NOT BE LIABLE FOR ANY LOSS OR DAMAGE CAUSED BY A DISTRIBUTED DENIAL-OF-SERVICE ATTACK, VIRUSES, OR OTHER TECHNOLOGICALLY HARMFUL MATERIAL THAT MAY INFECT YOUR COMPUTER EQUIPMENT, COMPUTER PROGRAMS, DATA, OR OTHER PROPRIETARY MATERIAL DUE TO YOUR USE OF THE WEBSITE OR ANY SERVICES OR ITEMS OBTAINED THROUGH THE WEBSITE OR TO YOUR DOWNLOADING OF ANY MATERIAL POSTED ON IT, OR ON ANY WEBSITE LINKED TO IT.

      YOUR USE OF THE WEBSITE, ITS CONTENT, AND ANY SERVICES OR ITEMS OBTAINED THROUGH THE WEBSITE IS AT YOUR OWN RISK. THE WEBSITE, ITS CONTENT, AND ANY SERVICES OR ITEMS OBTAINED THROUGH THE WEBSITE ARE PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS, WITHOUT ANY REPRESENTATIONS OR WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED. NEITHER THE COMPANY NOR ANY PERSON ASSOCIATED WITH THE COMPANY MAKES ANY WARRANTY OR REPRESENTATION WITH RESPECT TO THE COMPLETENESS, SECURITY, RELIABILITY, QUALITY, ACCURACY, FITNESS FOR A PARTICULAR PURPOSE, OR AVAILABILITY OF THE WEBSITE. WITHOUT LIMITING THE FOREGOING, NEITHER THE COMPANY NOR ANYONE ASSOCIATED WITH THE COMPANY REPRESENTS OR WARRANTS THAT THE WEBSITE, ITS CONTENT, OR ANY SERVICES OR ITEMS OBTAINED THROUGH THE WEBSITE WILL BE ACCURATE, RELIABLE, ERROR-FREE, OR UNINTERRUPTED, THAT DEFECTS WILL BE CORRECTED, THAT OUR SITE OR THE SERVER THAT MAKES IT AVAILABLE ARE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS, OR THAT THE WEBSITE OR ANY SERVICES OR ITEMS OBTAINED THROUGH THE WEBSITE WILL OTHERWISE MEET YOUR NEEDS OR EXPECTATIONS.

      TO THE FULLEST EXTENT PROVIDED BY LAW, SUNDANCE HEREBY DISCLAIMS ALL WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, STATUTORY, OR OTHERWISE, INCLUDING BUT NOT LIMITED TO ANY WARRANTIES OF MERCHANTABILITY, NON-INFRINGEMENT, FITNESS FOR PARTICULAR PURPOSE, AND ANY OTHER WARRANTY THAT MIGHT ARISE OUT OF ANY LAW.

      THE FOREGOING DOES NOT AFFECT ANY WARRANTIES THAT CANNOT BE EXCLUDED OR LIMITED UNDER APPLICABLE LAW.

      19. Limitation on Liability

      TO THE FULLEST EXTENT PROVIDED BY LAW, IN NO EVENT WILL THE COMPANY, ITS AFFILIATES, OR THEIR LICENSORS, SERVICE PROVIDERS, EMPLOYEES, MEMBERS, AGENTS, OFFICERS, OR DIRECTORS BE LIABLE FOR DAMAGES OF ANY KIND, UNDER ANY LEGAL THEORY, ARISING OUT OF OR IN CONNECTION WITH YOUR USE, OR INABILITY TO USE, THE WEBSITE, ANY WEBSITES LINKED TO IT, ANY CONTENT ON THE WEBSITE, OR SUCH OTHER WEBSITES, INCLUDING ANY DIRECT, INDIRECT, SPECIAL, INCIDENTAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO, PERSONAL INJURY, PAIN AND SUFFERING, EMOTIONAL DISTRESS, LOSS OF REVENUE, LOSS OF PROFITS, LOSS OF BUSINESS OR ANTICIPATED SAVINGS, LOSS OF USE, LOSS OF GOODWILL, LOSS OF DATA, AND WHETHER CAUSED BY TORT (INCLUDING NEGLIGENCE), BREACH OF CONTRACT, OR OTHERWISE, EVEN IF FORESEEABLE. IN THE EVENT SUNDANCE IS FOUND LIABLE TO YOU FOR ANY DAMAGES WHATSOEVER, YOU AGREE THAT SUCH DAMAGES SHALL APPLY ONLY TO SUNDANCE AND NOT TO ANY OTHER SUBSDIARY, AFFILIATE, OR PARENT COMPANY.

      THE FOREGOING DOES NOT AFFECT ANY LIABILITY THAT CANNOT BE EXCLUDED OR LIMITED UNDER APPLICABLE LAW.

      20. Indemnification

      You agree to defend, indemnify, and hold harmless the Company, its parents, subsidiaries, affiliates, licensors, and service providers, and their respective members, officers, directors, employees, contractors, agents, licensors, suppliers, successors, and assigns from and against any claims, liabilities, damages, judgments, awards, losses, costs, expenses, or fees (including reasonable attorneys’ fees) arising out of or relating to your violation of these Terms of Use or your use of the Website, including, but not limited to, your User Contributions and any use of the Website’s content other than as expressly authorized in these Terms of Use, or your use of any information obtained from the Website.

      21. Governing Law and Jurisdiction

      If you have entered into a Loan Agreement with Us, any claims or disputes between you and Us shall be resolved in accordance with the terms contained in the Loan Agreement, including choice of law and jurisdictional issues. Otherwise, all matters relating to the Website and these Terms of Use, 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 Utah without giving effect to any choice or conflict of law provision or rule (whether of the State of Utah or any other jurisdiction). Any legal suit, action, or proceeding arising out of, or related to, these Terms of Use or the Website shall be instituted as set forth in Section 22 below.

      22. Arbitration

a. If you have entered into a Loan Agreement with Us, any claims or disputes between you and Us have shall be resolved in accordance with the terms contained in the Loan Agreement. If you have not entered into a Loan Agreement with Us, you agree to the dispute resolution process contained in this Arbitration Section.

b. Mandatory Arbitration of Disputes. We each agree that any dispute, claim or controversy arising out of or relating to these Terms of Use (“Disputes”) will be resolved solely by binding, individual arbitration and not in a class, representative or consolidated action or proceeding. You and Sundance agree that the U.S. Federal Arbitration Act (or equivalent laws in the State of Utah) governs the interpretation and enforcement of these Terms of Use and that you and Sundance are each waiving the right to a trial by jury or to participate in a class action. This arbitration provision shall survive termination of these Terms of Use.

c. Exceptions and opt-out. As limited exceptions to Arbitration section b above:

i. You may seek to resolve a Dispute in small claims court if it qualifies; and

ii. We each retain the right to seek injunctive or other equitable relief from a court to prevent (or enjoin) the infringement or misappropriation of our respective intellectual property rights.

d. Initial Dispute Resolution and Notification. You agree that before initiating any Dispute or arbitration proceeding, you and Sundance will attempt to negotiate an informal resolution of any dispute. To begin this process, before initiating any arbitration proceeding, you must send a Notice of Dispute (“Notice”) by certified mail to the attention of Sundance’s Legal Department at the address set out in the “Notice” Section below. In the Notice, you must describe the nature and basis of the Dispute and the relief you are seeking. If you and Sundance are unable to resolve the Dispute within 45 days after Our receipt of the Notice, then you or Sundance may initiate arbitration proceedings as set out below.

e. Conducting Arbitration and Arbitration Rules. Any arbitration will be conducted by JAMS pursuant to its Streamlined Arbitration Rules and Procedures (the “JAMS Rules”) then in effect, except as modified by these Terms. The JAMS Rules are available at www.jamsadr.com or by calling 1-800-352-5267. A party who wishes to start arbitration must submit a written Demand for Arbitration to JAMS and give notice to the other party as specified in the JAMS Rules. JAMS provides a form Demand for Arbitration at www.jamsadr.com. JAMS will appoint an arbitrator that is a retired federal or state court judge. The arbitration will be conducted by an in-person hearing, unless we both agree otherwise.

f. If JAMS fails or declines to conduct the arbitration for any reason, you and Sundance will mutually select a different arbitration administrator. If you and Sundance cannot agree, a court will appoint a different arbitration administrator.

g. Any arbitration hearings will take place in Salt Lake City, Utah, unless you and Sundance both agree to a different location. The parties agree that the arbitrator shall have exclusive authority to decide all issues relating to the interpretation, applicability, enforceability and scope of this arbitration agreement. During the arbitration, both you and Sundance may take one deposition of the opposing party, limited to 4 hours. If you and Sundance cannot agree on a time and location for a deposition, the arbitrator will resolve any scheduling disputes.

h. Notwithstanding any language into the contrary, you and Sundance adopt and agree to implement JAMS Optional Arbitration Appeal Procedures (as it exists on the effective date of this Agreement) with respect to any final award in an arbitration arising out of or related to this Terms of Use.

i. Payment of all filing, administration and arbitrator fees, including any appeals, will be governed by the JAMS Rules.

j. Class Action Waiver. YOU AND SUNDANCE AGREE THAT EACH OF US MAY BRING CLAIMS AGAINST THE OTHER ONLY IN AN INDIVIDUAL CAPACITY, AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS OR REPRESENTATIVE PROCEEDING. Further, if the parties’ dispute is resolved through arbitration, neither JAMS nor the arbitrator may not consolidate another person’s claims with your claims or otherwise preside over any form of a representative or class proceeding for any purpose. If this specific provision is found to be unenforceable, then the entirety of this Section 22 shall be null and void.

k. Effect on Changes on Arbitration. Notwithstanding the provisions of Section 2 “Changes to the Terms of Use”, if Sundance changes any of the terms of this Section 22 after the date you first accepted these Terms (or accepted any subsequent changes to these Terms), you may reject any such change by sending us written notice within 30 days of the date such change became effective, as indicated in the “Last Updated” date above. By rejecting any change, you are agreeing that you will arbitrate any Dispute between you and Sundance in accordance with the terms of this Section 22 as of the date you first accepted these Terms (or accepted any subsequent changes to these Terms).

l. Severability. With the exception of any of the provisions in Section 20(i) above, if an arbitrator or court of competent jurisdiction decides that any part of these Terms is invalid or unenforceable, the other parts of these Terms will still apply.

23. Interpretation; Waiver; Severability; and Remedies

Headings are for convenience only and shall not be used to construe these Terms of Use. If any term of these Terms of Use is found invalid or unenforceable by any court of competent jurisdiction, that term shall be severed from these Terms of Use or limited to the minimum extent such that the remaining provisions of the Terms of Use will continue in full force and effect. No failure or delay by Sundance in exercising any right hereunder will waive any further exercise of that right. The waiver of any such right or provision will be effective only if in writing and signed by a duly authorized representative of Sundance. Sundance’s rights and remedies hereunder are cumulative and not exclusive.

1. 1. 1. 1. 1. 1. 24. Entire Agreement

Your relationship with Us is governed by these Terms of Use, the Privacy Policy, and any Loan Agreement you enter into with Sundance. These documents represent the entire agreement between you and Us and supersede all prior agreements and understandings regarding the same. In the event of any inconsistency in these documents, the terms of the Loan Agreement shall control.

1. 1. 1. 1. 1. 1. 25. Questions, Comments, or Concerns

If you have questions, comments, or concerns regarding these Terms of Use, you should contact us by emailing us at cs@sundanceservicing.com.