Terms of Use

Revised: May, 2018

PLEASE READ THESE TERMS AND CONDITIONS CAREFULLY. WHEN YOU ACCESS AND USE THIS WEBSITE, INCLUDING SUBMITTING A LOAN APPLICATION, YOU AGREE TO BE BOUND BY THE TERMS AND CONDITIONS BELOW. THESE TERMS AND CONDITIONS ARE SUBJECT TO CHANGE. ANY CHANGES WILL BE POSTED TO THIS WEBSITE FROM TIME TO TIME. IF YOU DO NOT AGREE TO THE TERMS AND CONDITIONS STATED HEREIN, PLEASE EXIT THIS WEBSITE IMMEDIATELY AND DO NOT SUBMIT AN APPLICATION FOR A LOAN.

You are currently viewing americanwebloan.com ("Site"), a website owned and operated by AWL, Inc. ("AWL") a tribal corporation wholly owned and operated by the Otoe-Missouria Tribe of Indians, a federally recognized Indian tribe ("Tribe"). This Site and any of the services provided by AWL in connection with this Site ("Services") are provided expressly subject to the terms and conditions stated herein ("Terms of Use"). By accessing the Site, you ("User") acknowledge that you have read, understand, and agree to be bound by these Terms of Use. If any provision contained in these Terms of Use conflicts with a provision contained in another agreement that you enter into with AWL or related to the AWL Services, the provision of the other agreement shall govern with respect that specific aspect of the Site or Services.

  1. Changes and Modifications

    AWL reserves the right in its sole discretion to temporarily or permanently change, or modify these Terms of Use or discontinue the Site, or any portion of the Site, for any reason, at any time without notice to you. Please review these Terms of Use from time to time because your continued access or use of the Site after any modifications have become effective shall be deemed your conclusive acceptance of the modified Terms of Use.

  2. General Eligibility

    This Site is intended for individuals who are residents of the United States and at least eighteen (18) years of age, and any access by individuals who are under the age of 18 is in violation of these Terms of Use. If you are under 18, please exit this site now. By using the Site, you represent that you are a resident of the United States and 18 or older, and that you agree to abide by all of the terms and conditions of these Terms of Use. Unauthorized use of the Site or Services, including unauthorized access of AWL's systems and misuse of passwords or Site information is strictly prohibited. If you violate any of these Terms of Use or any other agreement between you and AWL, then AWL may restrict, suspend, or terminate your access to any portion or all of the Site and Services without notice.

  3. Verification and Reporting

    You authorize us to verify any information you may provide to us through the Site and when requesting a loan or other Services from us. Verification may be ongoing and may require us to obtain from and share information about you with consumer reporting agencies and other sources to include, without limitation, your identity (including digital identity), employment, income, assets and debts, payment history, and collection activity. You understand that loan processing and provision of any services may be conditioned on obtaining verification to our satisfaction and at our sole discretion.

  4. Privacy

    Your privacy is very important to us. Please carefully read AWL's Privacy Policy, which details how AWL treats your personal information.

  5. Service Rights and Restrictions

    All material and content on this Site including but not limited to text, data, articles, designs, software, photos, images, and other information (collectively the "Site Content") are the proprietary property of AWL with all rights reserved. Site Content may not be copied, reproduced, distributed, republished, displayed, posted, transmitted, or sold in any form or by any means without AWL's express prior written consent. You acknowledge that all Site Content is and shall remain the sole property of AWL. You may only use access the Site and use the Services for their intended purpose, and any use of the Site or Services that is not expressly authorized herein is strictly prohibited.

  6. Trademarks

    Nothing on this Site should be construed as granting the User any license or right to use any trademark, whether owned by AWL or a third party, displayed on the Site, without prior written approval of the trademark owner. You may not use, copy, duplicate, display, distribute, modify or reproduce any trademark contained on the Site without the prior express written consent of the trademark's owner.

  7. Consent to Conduct Business Electronically

    Because AWL operates its platform online and conducts its business solely through the Internet, you must consent to receive all disclosures, notices, documents, agreements, and information associated with the Services ("Communications") electronically in order to transact business with us. This section informs you of your rights when receiving electronic Communications from AWL.

    Electronic Communications. You agree that AWL, its agents and representatives, may provide all Communications to you electronically via email or through our website. You may still request a paper copy of any Communication by following the procedure outlined below.

    Hardware and Software Requirements. In order to receive electronic Communications, you must have the following: (1) access to the Internet; (2) an active email account; (3) software capable of receiving email through the Internet; (4) supported Web browsing software (Chrome version 32.0 or higher, Firefox version 26.0 or higher, Internet Explorer version 8.0 or higher, or Safari version 7.0 or higher); and (5) hardware capable of running this software. To ensure access and optimal printing of your loan documents in PDF format, you must have Adobe Reader. To install the free version of Adobe Reader, click here.

    Additional Mobile Technology Requirements. If you access our Site and Communications electronically via a mobile device (such as a smart phone or tablet) or if you download and use our Mobile App, then in addition to the above requirements, you must make sure that you have software on your mobile device that allows you to print and save the Disclosures presented to you during the application process. If you do not have these capabilities on your mobile device, please access our site through a device that provides these capabilities.

    Requesting a Paper Copy. You may request from us a paper copy of any Communication that we have provided or made available to you electronically without charge, provided that such request is made within a reasonable time after we first provided the Communication to you. To request paper copies, you must send an e-mail to customercare@awlinc.com with the subject line "Paper Copy Request" and in the body of the e-mail you must state your e-mail address, full name, US Postal address, and telephone number. You may also submit your request by mail to AWL, Inc. 2128 N. 14th Street, #1 Box 130, Ponca City, OK 74601, Attention: Compliance Dept.

    Withdrawing Consent. You may withdraw your consent to receive future Communications electronically by changing your settings within the AWL borrower portal, or by sending an email to customercare@americanwebloan.com with the subject line of "Withdraw Electronic Consent" and including your full name, US Postal Address, email address, and telephone number in the body of the email. Your withdrawal of consent will be effective only after we have had a reasonable period to process your request. Withdrawing consent will not affect the validity or effectiveness of any prior electronic notifications or disclosures.

    Telephone Communications. You consent to be contacted by us, our agents, representatives, affiliates, or anyone calling on our behalf for any and all purposes, at any telephone number, or physical or electronic address you provide to us. You agree we may contact you in any way including SMS text messages, calls using prerecorded messages or artificial voice, and calls and messages delivered using an auto telephone dialing system or an automated texting system. Automated messages may be played when the telephone is answered, whether by you or someone else. In the event that an agent or representative calls, he or she may also leave a message on your answering machine, voice mail, or via text.

    You consent to receive SMS messages (including text messages), calls and messages (including prerecorded and artificial voice and autodialed) from us, our agents, representatives, affiliates or anyone calling on our behalf at the specific number(s) you have provided to us, or number(s) we can reasonably associate with your account (through skip tracing, caller ID capture, or other methods), with information or questions about your application, loan and/or account. Your provider's messaging and data rates may apply to all SMS text messages. You may opt out and remove your SMS information by: (1) sending "STOP" to the SMS text message you received; (2) logging on to our website at www.americanwebloan.com and updating your account information; (3) calling us at (972) 481-3506; or (4) emailing customer service at customercare@americanwebloan.com

    You certify, warrant and represent that the telephone numbers that you provide to us are your numbers and not someone else's. You represent that you are permitted to receive calls at each of the telephone numbers you have provided to us. You agree to alert us whenever you stop using a particular telephone number.

    Marketing Calls and Texts. We will not use autodialed or prerecorded calls or texts to contact you for marketing purposes unless you provide us with prior express written consent. If you have provided consent to receive marketing calls, you agree that AWL's employees, agents, and representatives may use autodialed or pre-recorded phone calls and SMS text messages to contact your mobile phone at the number you provide for the purpose of describing goods and services that may be of interest to you, whether offered by AWL, affiliates, or third parties. If provided, your consent will be effective even if the number you have provided is registered on any state or federal Do-Not-Call (DNC) list. This consent for telemarketing calls shall remain in effect until you revoke it. Your consent to receive telephone communications is not a condition of obtaining a loan and may be revoked at any time by email at customercare@americanwebloan.com, by writing to us at AWL, Inc. c/o Compliance Department, 2128 N. 14th Street, #1 Box 130, Ponca City, OK 74601, or by calling us at (972) 481-3506.

    Standard calling and text messaging rates will apply, based on your cellular telephone carrier and service plan.

    Changes in Contact Information. Please keep us informed of any changes in you contact information so that you can continue to receive timely electronic Communications from us. You may update your contact information by logging into your account through AWL's Account Portal, by calling us at (877) 860-7171, by emailing customercare@americanwebloan.com, or by writing to us at AWL, Inc. c/o Compliance Department, 2128 N. 14th Street, #1 Box 130, Ponca City, OK 74601.

  8. Copyright Complaints

    If you believe that any material on the Site infringes upon any copyright that you own or control, you may send a written notification to us via email at legal@awlinc.com, or via regular mail at 2128 N. 14th Street, #1 Box 130, Ponca City, OK 74601, Attn: Legal Department. In your notification, please:

    Confirm that 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 that you claim have 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;
    • 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.
  9. Links to Third-Party Sites

    We are not responsible for the information practices employed by sites that may be linked to or from our website. In most cases, links to third-party websites are provided solely as pointers to information on topics that may be useful to our users. Since third-party websites may have different privacy policies and/or security standards governing their sites, we advise you to review the privacy policies and terms and conditions of these sites prior to providing any personal information.

  10. Disclaimer of Warranties

    AWL PROVIDES THE SITE AND SERVICES "AS IS" AND "AS AVAILABLE" WITH ALL FAULTS AND WITHOUT ANY EXPRESS OR IMPLIED WARRANTIES INCLUDING, BUT NOT LIMITED TO, IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. ADDITIONALLY, AWL MAKES NO CLAIM OR GUARANTEE AS TO THE ACCURACY OF ANY INFORMATION PROVIDED OR SITE CONTENT.

  11. Limitation of Liabilities

    IN NO EVENT WILL AWL OR ITS DIRECTORS, OFFICERS, EMPLOYEES, OR AGENTS BE LIABLE TO YOU OR TO ANY OTHER PARTY FOR LOST PROFITS OR ANY OTHER SPECIAL, CONSEQUENTIAL, INCIDENTAL, OR INDIRECT DAMAGES ARISING FROM YOUR USE OF THE SITE OR SERVICES, EVEN IF AWL IS AWARE OR HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. TO THE EXTENT ALLOWED BY APPLICABLE LAW, AWL'S LIABILITY TO YOU FOR ANY CAUSE OF ACTION REGARDLESS OF FORM WILL AT ALL TIMES BE LIMITED TO THE AMOUNT PAID BY YOU TO AWL, IF ANY, AND IN NO CASE SHALL AWL'S LIABILITY TO YOU EXCEED $50.00.

  12. Indemnification

    You agree to indemnify, defend, and hold harmless AWL and its affiliates, officers, directors, shareholders, managers, members, employees, agents, partners, attorneys, and representatives for damages, injuries, losses, liabilities, settlements and expenses (including without limitation costs and attorneys' fees), arising in connection with any claim, suit, proceeding, or other action arising from your use of the Site or Services, your conduct in connection with your use of the Site or Services, or any violation of these Terms of Use or of any law or the rights of any third party.

  13. Waiver of Jury Trial And Agreement to Arbitrate:

    These Terms of Use Agreement includes the following binding Waiver of Jury Trial and Agreement to Arbitrate (the "Agreement to Arbitrate"). You may opt out of the Agreement to Arbitrate by following these instructions:

    RIGHT TO OPT-OUT: IF YOU DO NOT AGREE TO ARBITRATE ALL DISPUTES (DEFINED BELOW) IN ACCORDANCE WITH THE TERMS AND CONDITIONS OF THE AGREEMENT TO ARBITRATE, YOU MUST ADVISE US IN WRITING EITHER BY (A) MAILING A LETTER POSTMARKED NO LATER THAN 60 DAYS FOLLOWING THE ORIGINATION DATE SET FORTH AT THE TOP OF THIS AGREEMENT, TO 2128 N. 14TH STREET, #1 BOX 130, PONCA CITY, OKLAHOMA 74601, OR, IN THE EVENT YOU OBTAIN A LOAN FROM AWL, (B) BY EMAIL DATED NO LATER THAN 60 DAYS FOLLOWING THE ORIGINATION DATE SET FORTH AT THE TOP OF YOUR LOAN AGREEMENT TO CUSTOMERCARE@AMERICANWEBLOAN.COM. YOUR OPT-OUT CORRESPONDENCE MUST CLEARLY PRINT OR TYPE YOUR NAME AND ACCOUNT NUMBER OR SOCIAL SECURITY NUMBER AND STATE THAT YOU REJECT ARBITRATION. YOUR REJECTION OF ARBITRATION WILL NOT BE EFFECTIVE IF IT IS NOT IN WRITING OR IF IS DATED LATER THAN 60 DAYS FOLLOWING THE ORIGINATION DATE SET FORTH AT THE TOP OF THIS AGREEMENT; IT IS NOT SUFFICIENT TO TELEPHONE US. IN THE EVENT YOU OPT OUT OF THE AGREEMENT TO ARBITRATE, ANY DISPUTES SHALL NONETHELESS BE GOVERNED BY APPLICABLE LAW. THE DISPUTE MUST BE BROUGHT WITHIN THE COURT SYSTEM OF THE OTOE-MISSOURIA TRIBE.

    PLEASE CAREFULLY READ THIS AGREEMENT TO ARBITRATE. UNLESS YOU EXERCISE YOUR RIGHT TO OPT-OUT OF ARBITRATION AS DESCRIBED ABOVE, YOU AGREE THAT ANY DISPUTE YOU HAVE RELATED TO THE SITE OR THE SERVICES PROVIDED BY AWL WILL BE RESOLVED BY BINDING ARBITRATION. ARBITRATION REPLACES THE RIGHT TO GO TO COURT, INCLUDING THE RIGHT TO HAVE A JURY, TO ENGAGE IN DISCOVERY (EXCEPT AS MAY BE PROVIDED IN THE ARBITRATION RULES), AND TO PARTICIPATE AS A REPRESENTATIVE OR MEMBER OF ANY CLASS OF CLAIMANTS OR IN ANY CONSOLIDATED ARBITRATION PROCEEDING OR AS A PRIVATE ATTORNEY GENERAL. OTHER RIGHTS THAT YOU WOULD HAVE IF YOU WENT TO COURT MAY ALSO BE UNAVAILABLE IN ARBITRATION.

    Agreement to Arbitrate. Before providing us a Notice of Dispute (defined below) and initiating Arbitration, you (defined below) agree to first submit your Dispute (defined below) informally to Customer Service by contacting us (defined below) at (877) 860-7171, or by sending an email to customercare@americanwebloan.com. Upon receipt of such correspondence, we will gather sufficient facts regarding your issue and inform you of our determination as soon as reasonably practicable, but shall not exceed fifteen (15) business days from the date of receipt of your correspondence. Should our determination not resolve the Dispute, you and we agree that the Dispute will be resolved by Arbitration.

    What Arbitration Is. "Arbitration" is having an independent third party resolve a Dispute. A "Dispute" is any claim or controversy of any kind between you and us or otherwise involving the Site, the Services, this Agreement, or, if you have obtained a loan from us, the Loan Agreement or the Loan. The term Dispute is to be given its broadest possible meaning and includes, without limitation, all federal, state or Tribal Law claims or demands (whether past, present, or future), based on any legal or equitable theory and regardless of the type of relief sought (i.e., money, injunctive relief, or declaratory relief). A Dispute includes any issue concerning the validity, enforceability, or scope of this Agreement or this Agreement to Arbitrate.

    For purposes of this Agreement to Arbitrate, (a) the terms "you" and "your" include you, the borrower, and include your heirs, guardian, personal representative, or trustee in bankruptcy, and (b) the terms "we," "our," and "us" mean Lender, our agents, servicers, assigns, vendors or any third party, Lender's affiliated companies, the Tribe, Lender's servicing and collection companies, representatives and agents, and each of their respective agents, representatives, employees, officers, directors, members, managers, attorneys, successors, predecessors, and assigns.

    How Arbitration Works. If a Dispute arises, the party asserting the claim or demand must initiate arbitration, provided you or we may first try to resolve the matter informally or through customary business methods, including collection activity. A party who intends to seek arbitration must first send to the other, by email, a Notice of Dispute (Notice). You must send the Notice to Lender at customercare@americanwebloan.com. The Notice must (a) have the subject heading "Notice of Dispute;" (b) describe the nature and basis of the claim or dispute; and (c) set for the specific relief sought (Demand). If Lender and you do not reach an agreement to resolve the claim within thirty (30) days after the Notice is received, you or Lender may commence an arbitration proceeding. The party requesting arbitration must choose either of the following arbitration firms for initiating and pursuing arbitration: the Institute for Conflict Prevention & Resolution, Inc. ("CPR") or JAMS, The Resolution Experts ("JAMS"). If you claim you have a Dispute with us, but do not initiate arbitration or select an arbitration firm, we may do so. You may obtain copies of the current rules of each of the arbitration firms and forms and instructions for initiating arbitration by contacting them as follows:

    International Institute for Conflict Prevention & Resolution, Inc.575 Lexington Ave, 21st FloorNew York, NY 10022Website: http://www.cpradr.orgTelephone: (212) 949-6490
    JAMS, The Resolution Experts1920 Main Street, Suite 300Irvine, CA 92614Website: http://www.jamsadr.com/Telephone: (949) 224-1810 or (800) 352-5267

    The policies and procedures of the selected arbitration firm applicable to consumer transactions will apply provided such policies and procedures do not contradict this Agreement to Arbitrate or Tribal Law. To the extent the arbitration firm's rules or procedures are different than the terms of this Agreement to Arbitrate, the terms of this Agreement to Arbitrate will apply.

    What Arbitration Costs. No matter which party initiates the arbitration, we will advance or reimburse filing fees and other costs or fees of arbitration for all non-frivolous claims, provided each party will be initially responsible for its own attorneys' fees and related costs. The arbitrator may award fees, costs, and reasonable attorneys' fees to you if you substantially prevail in the arbitration. If, after finding in your favor in any respect on the merits of your claim, the arbitrator issues you an award that is greater than the value of our last written settlement offer made before an arbitrator was selected, then we will pay you the amount of the award or $10,000 ("Alternative Payment"), whichever is greater; and pay your attorney, if any, twice the amount of attorneys' fees, and reimburse any expenses (including expert witness fees and costs) that your attorney reasonably accrues for investigating, preparing, and pursuing your claim in arbitration ("Attorney Premium").

    If we did not make a written offer to settle the dispute before an arbitrator was selected, you and your attorney will be entitled to receive the Alternative Payment and the Attorney Premium, respectively, if the arbitrator awards you any relief on the merits. The arbitrator may make rulings and resolve disputes as to the payment and reimbursement of fees, expenses, and the Alternative Payment and the Attorney Premium at any time during the proceeding and upon request from either party made within 14 days of the arbitrator's ruling on the merits.

    The right to attorneys' fees and expenses discussed in this paragraph supplements any right to attorneys' fees and expenses you may have under Applicable Law. Thus, if you would be entitled to a larger amount under applicable law, this provision does not preclude the arbitrator from awarding you that amount. However, you may not recover duplicative awards of attorneys' fees or costs. Although under some laws, we may have a right to an award of attorneys' fees and expenses if it prevails in an arbitration, we agree to not seek such an award.

    Location Of Arbitration. Any arbitration under this Agreement may be conducted either on Tribal land or within thirty (30) miles of your then current residence, at your choice, provided that this accommodation for you shall not be construed in any way (a) as a relinquishment or waiver of the sovereign status or immunity of the Tribe, or (b) to allow for the application of the laws of your state of residence, or (c) to constitute a transaction of business in any place other than the Indian country of the Tribe. Any party may participate in arbitration exclusively by telephonic or other electronic means.

    WAIVER OF RIGHTS. BY ENTERING INTO THIS AGREEMENT, YOU ACKNOWLEDGE AND AGREE THAT YOU ARE WAIVING YOUR RIGHT TO (A) HAVE A JURY TRIAL TO RESOLVE DISPUTES, (B) HAVE A COURT RESOLVE DISPUTES, (C) PARTICIPATE IN A CLASS ACTION LAWSUIT, AND (D) HAVE ACCESS TO DISCOVERY AND OTHER PROCEDURES THAT ARE AVAILABLE IN A LAWSUIT.

    The arbitrator has the ability to award all remedies available under Applicable Law, whether at law or in equity, to the prevailing party, except that you and we agree that the arbitrator has no authority to conduct class-wide proceedings and will be restricted to resolving individual Disputes. The arbitrator may award such remedies only in favor of the individual party seeking relief and only to the extent necessary to provide relief warranted by that party's individual claim. Further, unless both you and we agree otherwise, the arbitrator may not consolidate more than one person's claims, and may not otherwise preside over any form of a representative or class proceeding. Except as otherwise specified herein, you irrevocably consent to the jurisdiction of the Tribal courts for purposes of this Agreement.

    Conduct of Arbitration. The arbitrator shall apply Applicable Law and the terms of this Agreement, including this Agreement to Arbitrate and the waivers included herein. The arbitrator may decide, with or without a hearing, any motion that is substantially similar to a motion to dismiss for failure to state a claim or a motion for summary judgment. Regardless of the manner in which the arbitration is conducted, the arbitrator shall issue a reasoned written decision sufficient to explain the essential findings and conclusions on which the award is based. During the arbitration, the amount of any settlement offer made by us or you shall not be disclosed to the arbitrator until after the arbitrator determines the amount, if any, to which you or we are entitled. In the event that any provision of this Agreement or the whole thereof, including its choice of law provisions, shall be determined to be unenforceable by a court of competent jurisdiction, the validity or enforceability of the remaining provisions will not be affected. To the extent any provision of this Agreement or the whole thereof is determined to be unenforceable, including its choice of law provisions, the arbitrator may reform any such provision to make it enforceable; provided, however, that the arbitrator may not reform this arbitration clause or the waiver of the right to participate in a class action as herein provided. The provisions of this Agreement will, where possible, be interpreted so as to sustain its legality and enforceability.

    Survival. This Agreement to Arbitrate will survive: (1) the termination of the Services; (2) the cancellation, payment, charge-off, or assignment of your Loan Agreement; (3) the bankruptcy of any party; and (4) any transfer, sale, or assignment of your Loan Agreement, or any amounts owed under your Agreement, to any other person or entity.

  14. Miscellaneous

    Choice of Law; Jurisdiction and Venue. These Terms of Use shall be governed by the laws of the Tribe without regard to any conflict of laws provision. If any provision of these Terms of Use is held unenforceable, including any provision of the Waiver of Jury Trial and Agreement to Arbitrate, the remainder of these Terms of Use will remain in full force and effect. AWL may choose to voluntarily use certain federal laws as guidelines for the provision of Services. Such voluntary use does not represent acquiescence of the Tribe to any federal law unless found expressly applicable to the operations of the Tribe or otherwise stated herein.

    Severability. If any provision of these Terms of Use is held by a court of competent jurisdiction to be unenforceable for any reason, such provision shall be changed and interpreted so as to best accomplish the objectives of the original provision to the fullest extent allowed by law and the remaining provisions of these Terms of Use shall remain in full force and effect.

    Acknowledgement and Certification. When you access and use the Site, and when you apply for a Loan via the Site, you also consent to the dispute resolution provision including the provision consenting and limiting disputes to tribal law and to tribal courts, to arbitration and to the provision not to bring, join or participate in any class action. In any proceeding in which AWL is a party in interest with respect to any transactions with you under Tribal law, AWL's rights and remedies shall be granted based upon sufficient proof and entitlement based upon the terms of these Terms of Use and the payment and business records maintained by AWL in the ordinary course of business.

    Waiver. AWL's failure or delay in exercising any right, power, or remedy under these Terms of Use shall not operate as a waiver of any such right, power, or remedy.

  15. Contacting Us

    If you have questions, comments, or complaints regarding these Terms of Use, the Site, or Services, you may call (877) 860-7171, email us at customercare@americanwebloan.com or write to AWL, Inc. c/o Customer Service, 2128 N. 14th Street, #1 Box 130, Ponca City, OK 74601.