your credit. your control.

Terms of Use

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.

Please review the following Terms of Use (“Agreement”) carefully.

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).

If you sign up with Lantern, you are agreeing to these Terms of Use. Please review Lantern Credit’s Privacy Policy, which explains how we collect, use, and disclose information that pertains to your privacy. When you access or use the Lantern Credit website, you are agreeing to this Privacy Policy.

Account Security

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

By signing up with Lantern, you consent to receive promotional offers, notifications, and other communications from Lantern electronically using the email address you have provided in your user profile. You agree that all Terms of Use, agreements, other communications and/or notifications that Lantern provides to you electronically satisfy any legal requirement that such communications would satisfy if it were in writing.

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.

Intellectual Property

“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

These Terms of Use and your use of the Lantern website 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 agree that any and all disputes arising under this Agreement or out of Lantern’s provision of services to you, if submitted to a court of law, shall be submitted in Orange County, California, USA.

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.

Third-Party Accounts

Lantern allows you to connect your Lantern account to a third-party account. When connecting to your third-party account, you acknowledge and agree that you are consenting to the release of personal and non-personal information about you to that third-party. Before using this feature, Lantern strongly recommends that you review the Lantern Credit Privacy Policy and the Privacy Policies of these third-party sites. If you do not agree or consent to your information being shared in this manner, do not use this feature.

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.

Warranty Disclaimer

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.

Governing Law

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

The Company reserves the right to change our Terms of Use at any time. We will notify you of significant changes to our Privacy Policy by sending a notice to the primary email address specified in your account or by placing a prominent notice on our site. Significant changes will go into effect 30 days following such notification. Non-material changes or clarifications will take effect immediately.

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.”

YOU ACKNOWLEDGE THAT YOU HAVE READ THESE TERMS OF USE, UNDERSTAND THE TERMS OF USE, AND WILL BE BOUND BY THESE TERMS AND CONDITIONS. YOU FURTHER ACKNOWELEDGE THAT THESE TERMS OF USE TOGETHER WITH THE PRIVACY POLICY REPRESENT THE COMPLETE AND EXCLUSIVE STATEMENT OF THE AGREEMENT BETWEEN US AND THAT IT SUPERSEDES ANY PROPOSAL OR PRIOR AGREEMENT ORAL OR WRITTEN, AND ANY OTHER COMMUNICATIONS BETWEEN US RELATING TO THE SUBJECT MATTER OF THIS AGREEMENT.

Contact us

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

Email Address:
customersupport@lanterncredit.com