Last modified: 8/29/2022
Accuracy of Information Provided to Caribou and Caribou’s Lending Partners
You agree to provide Caribou and our lending partners with current, complete, and accurate information in the inquiry and application process. You also agree to promptly update your information, including your home and email address, so that we can complete your transactions and contact you as needed.
Caribou Products and Services
For our refinance customers, Caribou is not a lender and you authorize Caribou to submit your application for credit to a financial institution. To check the refinance rates and terms you qualify for, you authorize Caribou to conduct a credit pull and to obtain your credit report and solicit an offer to refinance your loan with a lending partner. You also authorize Caribou to submit your application to our lending partner(s) and for that lending partner to pull your credit report to evaluate your application. Caribou does not guarantee that a lending partner will make you an offer to refinance your loan and loans are only available to residents of states where Caribou and/or our lending partners operate. Caribou reserves the right to modify or discontinue products and benefits at any time without notice. Participating lenders, rates, and terms are also subject to change at any time without notice.
Insurance products are offered through Caribou Insurance Services, LLC, Caribou Insurance Associates, LLC, and other third parties. In certain states, Caribou may refer you to third parties to offer products through their licensed agents.
Caribou Products and Services are available exclusively through the Caribou Site. We reserve the right, but are not obligated, to limit the sales of Caribou Products and Services to any person, geographic region, or jurisdiction. We may exercise this right on a case-by-case basis. All descriptions of products, services, or pricing are subject to change at any time without notice, at the sole discretion of Caribou. We reserve the right to discontinue any Caribou Product and Service at any time. Any offer for any product or service made on this site is void where prohibited.
If you purchase a product or service, such as a vehicle service contract or a guaranteed asset protection product, from a third party through Caribou or the Caribou Site, Caribou may act as an agent for the third party selling the product or service in order to send the purchase price of the product or service to the third party.
Accuracy, Completeness, and Timeliness of Information
We are not responsible if information made available on the Caribou Site is not accurate, complete, or current. The material on the Caribou Site is provided for general information only and should not be relied upon or used as the sole basis for making decisions without consulting primary, more accurate, more complete, or more timely sources of information. Any reliance on the material on the Caribou Site is at your own risk. Further, material on the Caribou Site does not constitute tax, legal, or financial advice; users should consult their own tax, legal and financial advisors for advice.
Occasionally there may be information on the Caribou Site that contains typographical errors, inaccuracies, or omissions that may relate to product descriptions, auto loan and insurance terms and concepts, pricing, promotions, offers, product charges, transit times, and availability. We reserve the right to correct any errors, inaccuracies, or omissions, and to change or update information or cancel requests if any information on the Caribou Site or related to a Caribou Product and Service is inaccurate at any time without prior notice (including after you have submitted your request).
We undertake no obligation to update, amend, or clarify information on the Caribou Site or related to a Caribou Product and Service, including without limitation, pricing information, except as required by law. No specified update or refresh date applied should be taken to indicate that all information has been modified or updated.
The Caribou Site may contain certain historical information. Historical information, necessarily, is not current and is provided for your reference only. We reserve the right to modify the contents of the Caribou Site at any time, but we have no obligation to update any information on our site. You agree that it is your responsibility to monitor changes to the Caribou Site, as discussed above.
You agree that Caribou and Caribou agents may send SMS notifications to you, and you agree that you have the capability to access, view, and retain such communications. You also understand that you may incur costs to receive any phone messages, text messages, emails, or other correspondence. You agree that you are responsible for any and all charges associated with these messages, including, but not limited to, fees associated with text messaging imposed by your communications service provider.
Third-Party Links, Content, Products, and Services
Certain content, products, and services available via the Caribou Site may include materials from third parties and/or may be provided or fulfilled by third parties. Third-party links on the Caribou Site may direct you to third-party websites that are not affiliated with us. In addition, you may reach the Caribou Site through your use of a third-party website. We are not responsible for examining or evaluating the content or accuracy, and we do not warrant and will not have any liability or responsibility for any third-party materials or websites, or for any other materials, products, or services of third-parties.
We may provide you with access to third-party tools over which we neither monitor nor have any control nor input. You acknowledge and agree that we provide access to such tools “as is” and “as available” without any warranties, representations, or conditions of any kind and without any endorsement. We shall have no liability whatsoever arising from or relating to your use of optional third-party tools.
User Comments, Feedback, and Other Submissions
If, at our request, you send certain specific submissions (for example contest entries or responses to request for feedback) or, without a request from us, you send creative ideas, suggestions, proposals, plans, or other materials, whether online, by email, by postal mail, or otherwise (collectively, “Comments”), you agree that we may, at any time, without restriction, edit, copy, publish, distribute, translate and otherwise use in any medium any Comments that you forward to us. We are and shall be under no obligation (1) to maintain any Comments in confidence; (2) to pay compensation for any Comments; or (3) to respond to any Comments.
You agree that your Comments will not violate any right of any third party, including copyright, trademark, privacy, personality, or other personal or proprietary right. You further agree that your Comments will not contain libelous or otherwise unlawful, abusive, or obscene material, or contain any computer virus or other malware that could in any way affect the operation of the Caribou Site, a Caribou Product and Service, or any related website, product, or service. You may not use a false e-mail address, pretend to be someone other than yourself, or otherwise mislead us or third parties as to the origin of any Comments. You are solely responsible for any Comments you make and their accuracy. We take no responsibility and assume no liability for any Comments posted by you or any third party.
Caribou Trademarks and Copyright
Caribou’s trademarks and the material accessible on the Caribou Site are proprietary to Caribou or the party that provided the material to Caribou. Caribou or the party that provided the material to Caribou retains all rights, title, and interest in the material. You agree not to reproduce, duplicate, copy, sell, resell, or exploit any material accessible on the Caribou Site without the prior express written permission of Caribou.
If you have reason to believe that your content has been copied and/or is accessible on the Caribou Site in a way that constitutes copyright infringement, or that the Caribou Site or a Caribou Product and Service contains links or other references to another site, application, destination or service that contains content or activity that infringes your copyright rights, you may send a written notification to us via email at email@example.com or via regular mail at Caribou Financial, Inc. Attn: Legal, 1717 Rhode Island Ave NW, Suite 500, Washington, DC 20036. The notice should include the following information (as required by the Online Copyright Infringement Liability Limitation Act of the Digital Millennium Copyright Act, 17 U.S.C. sec. 512) :
A physical or electronic signature of a person authorized to act on behalf of the owner of an exclusive right that is allegedly infringed;
Identification of the copyrighted work claimed to have been infringed, or if multiple copyrighted works at the Service are covered by a single notification, a representative list of such works at the Service;
Identification of the copyrighted work that is claimed to be infringing or to be the subject of infringing activity and that is to be removed or access to which is to be disabled, and information reasonably sufficient to permit us to locate such copyrighted work;
Information reasonably sufficient to enable us to contact the complaining party, such as an address, telephone number, and if available, an electronic mail address at which the complaining party may be contacted;
A statement that the complaining party has a good faith belief that use of the copyrighted work in the manner complained of is not authorized by the copyright owner, its agent, or the law; and
A statement that the information in the notification is accurate, and under penalty of perjury, that the complaining party is authorized to act on behalf of the owner of an exclusive right that is allegedly infringed.
Submit false or misleading information, including impersonating any person or entity or falsely stating or otherwise misrepresenting yourself, your age, or your affiliation with any person or entity.
Use the Caribou Site or a Caribou Product and Service for any illegal, unauthorized, immoral, or obscene purpose;
Solicit others to perform or participate in any unlawful acts;
Violate any international, federal, provincial, or state regulation, law, or ordinance;
Infringe upon or violate Caribou’s intellectual property rights or the intellectual property rights of others;
Harass, abuse, insult, harm, defame, slander, disparage, intimidate, or discriminate based on sex, gender, sexual orientation, religion, ethnicity, race, color, age, national origin, disability, or any other legally protected characteristic;
Submit content that in Caribou’s judgment is objectionable, such as content that is harmful threatening, inflammatory, obscene, fraudulent, invasive of privacy or publicity rights, hateful, or immoral;
Upload or transmit viruses, worms, ransomware, or any type of malicious code that will or may be used in any way that will affect the functionality or operation of the Caribou Site, other websites, or the Internet;
Disturb or interfere with the operation of the Caribou Site or impede or interfere with others’ access, visitation, and/or use of the Caribou Site;
Collect or track the personal information of others;
Spam, phish, pharm, pretex, spider, crawl, scrape, or otherwise use any bots, cheats, macros, scripts, any form of autoresponder, or automated process to access, visit, capture, compile, and/or use a Caribou Product and Service or any data available through a Caribou Product and Service.
CAUTION: ANY ATTEMPT TO DO ANY OF THE ABOVE DISCUSSED PROHIBITED ACTS, OR TO OTHERWISE UNDERMINE THE OPERATION OF THE CARIBOU SITE OR ANY CARIBOU PRODUCT AND SERVICE, MAY BE A VIOLATION OF CRIMINAL AND CIVIL LAW. SHOULD SUCH AN ATTEMPT BE MADE, WE RESERVE THE RIGHT, IN ADDITION TO OUR OTHER REMEDIES, TO SEEK DAMAGES (INCLUDING WITHOUT LIMITATION PUNITIVE DAMAGES AND ATTORNEYS' FEES) FROM ANY SUCH INDIVIDUAL OR ENTITY TO THE FULLEST EXTENT PERMITTED BY LAW, INCLUDING CRIMINAL PROSECUTION.
Limitation of Liability
You agree that all access and use of the Caribou Site and your use of a Caribou Product and Service is at your own risk. In no case shall Caribou, our directors, officers, employees, affiliates, agents, contractors, interns, suppliers, service providers or licensors be liable for any injury, loss, claim, or any direct, indirect, incidental, punitive, special, or consequential damages of any kind, including, without limitation lost profits, lost revenue, lost savings, loss of data, replacement costs, or any similar damages, whether based in contract, tort (including negligence), strict liability, or otherwise, arising from your use of the Caribou Site or Caribou Products and Services, or for any other claim related in any way to your use of the Caribou Site or Caribou Products and Services, including, but not limited to, any errors or omissions, failure of performance, interruption, defect, delay in operation or transmission, computer virus, line or system failure, or any loss or damage of any kind incurred as a result of the use of the Caribou Site, Caribou Products and Services, or any content posted, transmitted, or otherwise made available via the the Caribou Site, even if Caribou or any third party are advised of the possibility of such damages, losses, or expenses. Because some states or jurisdictions do not allow the exclusion or the limitation of liability for consequential or incidental damages, in such states or jurisdictions, our liability shall be limited to the maximum extent permitted by law.
Disclaimer of Warranties
We do not guarantee, represent, or warrant that your use of the Caribou Site and Caribou Products and Services will be uninterrupted, timely, secure, or error-free.
We do not warrant that the results that may be obtained from the use of the Caribou Site or any Caribou Products and Services will be accurate or reliable. Any information about a potential loan or insurance policy provided prior to final agreement with our lending or insurance partners are estimates that are subject to change and may be different from actual amounts.
You expressly agree that your use of, or inability to use, the Caribou Site and Caribou Products and Services is at your sole risk. The Caribou Site and Caribou Products and Services are (except as expressly stated by us) provided ‘as is’ and ‘as available’ for your use, without any representation, warranties or conditions of any kind, either express or implied, including all implied warranties or conditions of merchantability, merchantable quality, fitness for a particular purpose, durability, title, and non-infringement.
Even if a Caribou Product and Service or your ability to access, visit, and/or use the Caribou Site or Caribou Product and Service or any portion thereof is terminated, discontinued, suspended, or restricted, by you or by us, we have no obligation to (but we may in our discretion) remove any content, and therefore copies of all information you may have posted, uploaded, transmitted, sent, or otherwise made available on or through the Caribou Site and/or Caribou Product and Service may be retained and/or remain viewable by us, our licensors, vendors, service providers, and/or other third parties. Caribou has no obligation to retain, store, or provide you with any information with regard to content you may have posted, uploaded, transmitted, sent, or otherwise made available on or through the Caribou Site.
Governing Law, Waiver, and Severability
Caribou reserves the right to modify or discontinue the Caribou Site or any Caribou Product and Service at any time and for any reason without notice to you. We shall not be liable to you or to any third-party for any modification, price change, suspension, or discontinuance.