Effective October 20, 2016
Thank you for visiting the Lantern Credit website. The Lantern Credit website is owned and operated by Lantern Credit, LLC (“the Company” or “Lantern”), a Delaware limited liability company.
For purposes of this Agreement, “Service” refers to the Company’s service which can be accessed via our websites, for example, www.lanterncredit.com, or through our mobile application in which users can receive financial services and products to manage their consumer credit profile. The terms “we,” “us,” and “our” refer to the Company. “You” refers to you, as a user of Service.
These Terms apply when you access our Service from any device (smartphone, tablet, computer, etc.).
Signing Up with Lantern
To sign up with Lantern, you must be 18 years of age or older and a resident of the United States (see User Content Rules).
Your permission to use the Lantern Credit website is conditioned on the Use Restrictions and Conduct Restriction in User Content Rules. Please review these rules carefully before creating an account. To set up an account with Lantern, you need provide the following information:
To set up an account with Lantern, you need provide the following information:
- Unique username and password
- Personal information about yourself (name, address, email address, zip code, gender, birth date, social security number, phone number, driver’s license number and other demographic information
- Select your preferred settings (that is, if you would like to receive messages and/or notifications from Lantern)
Closing Your Account
You may terminate this Agreement and close your account at any time.
If you want to close your account, please send us your request by completing the Opt-Out form.
Lantern must comply with data recordkeeping and retention requirements. Therefore, when you close your account, the information is not immediately deleted and may be retained up to two years. Your account is considered inactive and can no longer be accessed by anyone other than Lantern-authorized personnel. Lantern may terminate your access to all or any part of the website at any time, with or without cause, with or without notice, effective immediately.
Consents You Grant by Registering with Lantern
You understand and agree that by registering with Lantern:
- You authorize and instruct Lantern to obtain your non-personal information and personal identifiable information about or concerning you as defined by the Gramm-Leach-Bliley Act (15 U.S.C. sec 6801 et seq);
- You are providing “written instructions” in accordance with the Fair Credit Reporting Act (“FCRA”) for Lantern to obtain credit information from by one or more of the three nationwide credit reporting bureaus.
User Content and Electronic Communications
Opting Out of Electronic Communications
Lantern may use your email address to send you other messages. If you choose not receive these messages and/or notifications, you can opt out by changing your account settings, sending us your request by completing the Opt-Out form.
“Lantern” and other trademarks, trade names, logos of Lantern and/or Lantern Credit, LLC appearing on the Lantern website, including the content provided are the property of Lantern. Other product and company names that are mentioned on the Lantern website may be trademarks of their respective owners. We reserve all rights that are not expressly granted to you under this Agreement.
Location of Services and Territorial Restrictions
Links to Third-Party Websites/Third-party Services
BY USING OUR SERVICE, YOU WILL BE ABLE TO ACCESS THIRD-PARTY CONTENT. YOUR USE OF THE SERVICE IS CONSENT FOR LANTERN TO PRESENT THIS CONTENT TO YOU. YOU ACKNOWLEDGE ALL RESPONSIBILITY FOR, AND ASSUME ALL RISK FOR, YOUR USE OF THIRD-PARTY CONTENT.
AS PART OF THE SERVICE, LANTERN MAY PROVIDE YOU WITH CONVENIENT LINKS TO THIRD-PARTY WEBSITES AS WELL AS OTHER FORMS OF THIRD-PARTY CONTENT. WE HAVE NO CONTROL OVER THIRD-PARTY WEBSITES OR CONTENT OR PROMOTIONS, INFORMATION, PRODUCTS OR SERVICES AVAILABLE ON THEM. BY LINKING TO SUCH CONTENT, WE DO NOT REPRESENT OR IMPLY THAT WE ADOPT OR ENDORSE, NOR ARE WE RESPONSIBLE FOR, THE ACCURACY OR RELIABILITY OF ANY OPINION, ADVICE, OR STATEMENT MADE BY PARTIES OTHER THAN LANTERN. WE ARE NOT RESPONSIBLE FOR ANY THIRD-PARTY CONTENT ACCESSED THROUGH OUR WEBSITE. IF YOU DECIDE TO LEAVE OUR WEBSITE AND ACCESS THIRD-PARTY CONTENT, YOU DO SO AT YOUR OWN RISK AND YOU SHOULD BE AWARE THAT OUR TERMS AND POLICIES NO LONGER GOVERN.
You acknowledge and consent that Lantern may share information about you with any third-party with whom Lantern has a contractual relationship to provide the requested service on behalf of Lantern’s users.
Mobile Devices App
If you are using your mobile phone to access or use the Lantern app, charges may apply. Please consult with your carrier prior to enabling any mobile feature associated with this service.
LANTERN, INCLUDING ALL CONTENT, PRODUCTS AND SERVICES MADE AVAILABLE ON OR ACCESSED THROUGH THIS SITE, IS PROVIDED TO YOU “AS IS”, WITH NO WARRANTIES OF ANY KIND.
SPECIFICALLY, LANTERN MAKES NO REPRESENTATION OR WARRANTY THAT THE INFORMATION WE PROVIDE OR THAT IS PROVIDED THROUGH THE SERVICE IS ACCURATE, RELIABLE OR CORRECT; THAT THE SERVICE WILL MEET YOUR REQUIREMENTS; THAT THE SERVICE WILL BE AVAILABLE AT ANY PARTICULAR TIME OR LOCATION, THAT THE SERVICE WILL FUNCTION IN AN UNINTERRUPTED MANNER OR BE SECURE; THAT ANY DEFECTS OR ERRORS WILL BE CORRECTED; OR THAT THE SERVICE IS FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS. YOU ASSUME FULL RESPONSIBILITY AND RISK OF LOSS RESULTING FROM YOUR USE OF INFORMATION, CONTENT OR OTHER MATERIAL OBTAINED FROM THE SERVICE.
Limitation of Liability
To the extent permitted by applicable law, in no event will Lantern be liable to you for any loss of profits, use, or data, or for any incidental, indirect, special, consequential or exemplary damages, however arising, that result from:
- The use, disclosure, or display of your user-generated content;
- Your use or inability to use the Service;
- The Service generally or the software or systems that make the Service available; or
- Any other interactions with Lantern or any other user of the Service, whether based on warranty, contract, tort (including negligence) or any other legal theory, and whether or not Lantern has been informed of the possibility of such damage, and even if a remedy set forth in this Agreement is found to have failed of its essential purpose. Lantern will have no liability for any failure or delay due to matters beyond our reasonable control. Some jurisdictions limit or do not permit disclaimers of liability, so this provision may not apply to you.
No Liability for User Interactions
Any liability, loss or damage that occurs as a result of any user interactions, including, without limitation that you input or receive through your use of the Service is your responsibility. At our discretion, we, or technology we employ, may monitor and/or record your interactions with the Service.
Except to the extent applicable law provides otherwise, this Agreement between you and Lantern and any access to or use of the website or the Service are governed by the federal laws of the United States of America and the laws of the State of California, without regard to conflict of law provisions. You and Lantern agree to submit to the exclusive jurisdiction and venue of the courts located in the County of Orange, California.
Changes to Terms
We encourage visitors to frequently check this page for any changes to this Agreement. Your continued use of the Service after the effective date of a revised version of this Agreement constitutes your acceptance of its terms.
Release and Indemnification
You agree to indemnify and hold harmless Lantern from and against any and all claims and expenses, including attorneys’ fees, arising out of your use of the Website and the Service, including but not limited to your violation of this Agreement.
If you have a dispute with one or more users, you release Lantern from claims, demands and damages of every kind and nature, known and unknown, arising out of or in any way connected with such disputes. If you are a California resident, you waive California Civil Code §1542, which says: “A general release does not extend to claims which the creditor does not know or suspect to exist in his favor at the time of executing the release, which if known by him must have materially affected his settlement with the debtor.”
If you have questions or comments regarding the Terms, please contact us at:
Lantern Credit, LLC.
Attn: Customer Support
100 Bayview Circle, Suite 3000
Newport Beach, California 92660