Business Credit Cards vs. Personal Credit Cards: Which One Is
THESE TERMS AND CONDITIONS (the “Terms”) is between Impruvu LLC, a limited liability company duly organized under the laws of the State of New Mexico (“Impruvu, Company, us, we, our”), and the User(s) of this website (“Users, you”), which you must accept to use any aspect of this website.
Please carefully review these terms and conditions of use before using this site or accessing any data thereon. Any use of this website creates a binding agreement to comply with these terms and conditions. By continuing to use this website, you assent to each term in these Terms, and you acknowledge that you have had the chance to review, consider, and agree to these Terms. If you do not understand or agree to these Terms, then you agree to immediately cease your use of this website.
Impruvu is committed to making our website accessible to everyone, including individuals with disabilities, and strives to ensure that our website is user-friendly and easy to navigate for all visitors.
THIS ACCESSIBILITY STATEMENT serves as Impruvu’s pledge to continually improve the user experience for everyone who visits our website at www.impruvu.io, or use any of Impruvu’s applications by applying all relevant accessibility standards.
In accordance with the Americans with Disabilities Act (the “ADA”) and other relevant laws and standards, we have implemented various accessibility features to ensure that the Site is accessible to all users. These features include, but are not limited to:
We are continually working to improve the accessibility of the Sitee and welcome any feedback or suggestions you may have. If you have any difficulty accessing any aspect of the Site or have any suggestions for improving accessibility, please contact us at:
530-B Harkle Road, STE 100,
Santa Fe, NM 87505
CHANGES TO THESE TERMS
Impruvu reserves the right to amend this Agreement at any time and will notify you of any such changes by posting the revised Agreement on the Site. You should check this Agreement on the Site periodically for changes. All changes shall be effective upon posting. Your continued use of the Site after any change to this Agreement constitutes your agreement to be bound by any such changes.
Impruvu may terminate, suspend, change, or restrict access to all or any part of this Site without notice or liability. To the extent Impruvu revises this Agreement while your access to the Site has been suspended or terminated, such revisions will not apply to you.
You can also send questions or comments to:
530-B Harkle Road, STE 100,
Santa Fe, NM 87505
LIMITATIONS OF USE
The copyright in all material on this Site, including without limitation the text, data, articles, design, source code, software, photos, images, and other information (collectively, the “Content“), is held by Impruvu or by the original creator of the material and is protected by U.S. and International copyright laws or treaties. You agree that the Content may not be copied, reproduced, distributed, framed, downloaded, republished, modified, displayed, posted, transmitted, or sold in any form or by any means, in whole or in part, including, but not limited to, electronic, mechanical, photocopying, recording, or otherwise, without the express prior written consent of Impruvu. You acknowledge that the Content is and shall remain the property of Impruvu. You may not reverse engineer, modify, transmit, publish, participate in the sale or transfer of, or create derivative works, or in any way exploit any of Impruvu’s services, including any Content, in whole or in part. The use of the Content on any other website, including by linking or framing, or in any networked computer environment for any purpose, is prohibited without Impruvu’s prior written approval. Unless explicitly stated in this Agreement, nothing in this Agreement will be construed as conferring any license to intellectual property rights, whether by implication, estoppel or otherwise.
You also may not, without Impruvu’s express written permission, “mirror” any material contained on this Site on any other server. Any unauthorized use of any Content on this Site may violate copyright laws, trademark laws, the laws of privacy and publicity, and communications statutes and regulations. Without Impruvu’s prior consent, you may not use the Site in any manner that violates this Agreement, or that could interfere with any other party‘s use and enjoyment of the Site, or that could overburden, impair, damage, or disable the Site. We may disable, terminate, or throttle your use of, or access to, the Site at any time without notice for any reason, with or without cause, in our sole discretion.
You may not use any automated methods to access the Site or collect any information from the Site; frame the Site, utilize framing techniques to enclose any Content or other proprietary information, place pop-up windows over Content, or otherwise affect the display of any Content, engage in the practices of “database scraping,” “screen scraping,” or any other activity with the purpose to obtain content or other information from the Site.
If you are blocked by Impruvu from accessing or using the Site (including by blocking your IP address), you agree not to implement any measures to circumvent such blocking.
You agree to use the Content and Site only for lawful purposes. You are prohibited from any use of the Content or Site that would constitute a violation of any applicable law, regulation, rule or ordinance of any nationality, state, or locality or of any international law or treaty, or that could give rise to any civil or criminal liability. Any unauthorized use of the Site, including but not limited to unauthorized entry into Impruvu’s systems, misuse of passwords, or misuse of any information posted on the Site is strictly prohibited. Impruvu makes no claims concerning whether the Content may be downloaded or is appropriate for use outside of the United States. If you access this Site from outside of the United States, you are solely responsible for ensuring compliance with the laws of your specific jurisdiction. Your eligibility for particular products or services is subject to final determination by Impruvu.
Members of the Impruvu community must be U.S. Residents with a valid social security number that are at least eighteen (18) years of age or older. Children under the age of 18 are not eligible to participate in the offerings on the Site.
You agree not to post, upload, publish, display, transmit, share, store or otherwise make or attempt to make publicly available on the Site or on any other website, or in any email, blog, forum, medium or other communication of any kind, any private or personally identifiable information of any Impruvu member or other third party, including, without limitation, names, addresses, phone numbers, email addresses, Social Security numbers, driver’s license numbers, or bank account or credit card numbers, whether or not such private or personally identifiable information is displayed on or ascertainable from the Site, or obtained or obtainable from sources unrelated to the Site (such as from a “Google® search” or other online research).
Please note that all sales of Impruvu’s financial products are final and that we do not offer refunds or cancellations.
For more information on Impruvu’s Refund Policy, please visit our website at:
Impruvu (including the Impruvu logo), Impruvu.io, and all related logos (collectively the “Impruvu Trademarks“) are trademarks or service marks of Impruvu. Other company, product, and service names and logos used and displayed on this Site may be trademarks or service marks owned by Impruvu or others. Nothing on this Site should be construed as granting, by implication, estoppel, or otherwise, any license or right to use any of the Impruvu Trademarks displayed on this Site, without our prior written permission in each instance. You may not use, copy, display, distribute, modify or reproduce any of the trademarks found on the Site unless in accordance with written authorization by Impruvu. Impruvu prohibits use of any of the Impruvu Trademarks as part of a link to or from any site unless establishment of such a link is approved in writing by Impruvu in advance. Any questions concerning any Impruvu Trademarks, or whether any mark or logo is a Impruvu Trademark, should be referred to Impruvu.
LINKS TO THIRD-PARTY SITES
The collection and use of information obtained by means of the plugin are governed by the respective privacy policies of the social networks, which can be found below:
CONSENT TO DOING BUSINESS ELECTRONICALLY
Whether you choose to participate on the Site as a Registered User, or in another manner, from time to time you will receive disclosures, notices, documents, and information (“Communications“) as required by law and otherwise from Impruvu or any bank, financial institution, non-bank lending partner or other entity (each, a “Lending Partner”) that may extend credit to you; or the respective agents of such parties (collectively, “we” or “us”). This section informs you of your rights when receiving Communications from us electronically.
Electronic Communications. You agree Communications relating to your use of the Site or related services may be provided or made available to you electronically by email or at the Site. You have the right to receive a free paper copy of any Communication by contacting us in the manner described below in the section titled “CONTACTING US.” We may discontinue electronic provision of Communications at any time at our sole discretion.
Scope of Consent. Your consent to receive Communications and do business electronically, and our agreement to do so, applies to all of your interactions and transactions to which such Communications relate, whether between you and Prosper or you and any Lending Partner involved in your transaction.
Hardware and Software Requirements. To access and retain the Communications electronically, you will need to use a device with an internet connection and an up-to-date browser capable of opening portable document formats (“PDF“), such as Microsoft Internet Explorer (see www.microsoft.com/ie for current version), Mozilla Firefox (see www.mozilla.com for current version), Google Chrome (see https://www.google.com/chrome/ for the current version), or Safari (see https://www.apple.com/safari/ for the current version), and a valid email address that has been provided to us. You acknowledge that you can receive, access, download, print, and save communications in the formats described herein. For access and optimal printing of your documents in PDF format, please download Adobe Acrobat Reader (to install the free version of Adobe Reader click here: http://get.adobe.com/reader/otherversions/). You acknowledge that you can access the electronic Communications in the designated formats described herein.
Mobile Technology. If you are accessing our site electronically through a mobile device, such as a tablet, smartphone, or similar device, you must be able to print and save the transmitted Communications. You can find apps that support printing and saving for most mobile devices through your mobile device’s app store. If your mobile device does not have this functionality, you must access our website through alternate means that provide you with the ability to print and save the Communications.
Withdrawing Consent. You may withdraw your consent to receive Communications electronically by contacting us in the manner described in the “CONTACTING US” section below. If you withdraw your consent, from that time forward any pending applications, listings, or content will automatically terminate and be removed from the Impruvu platform. The withdrawal of your consent will not affect the legal validity and enforceability of any financial obligations obtained through the Impruvu platform, or any electronic Communications provided or business transacted between us prior to the time you withdraw your consent. With respect to financial obligations on which you are a borrower, we will send you any further Communications by mail or other non-electronic means. Please note that withdrawal of your consent will not apply to your co-borrower.
Assignment. In addition, you further acknowledge that your consent to have all Communications provided or made available to you in electronic form and to do business on or through the Impruvu platform is assignable to any entity that succeeds Impruvu in servicing your financial obligation.
Changes in Your Contact Information. You agree to keep us informed of any changes in the telephone number, email, and mailing address you provide to us so that you continue to receive all Communications without interruption. To do so, please contact us using the method listed below under the “CONTACTING US” section.
PERMISSION TO CONTACT
When you give us your contact information (including but not limited to your home and/or mobile phone number, work phone number, address and email address), you grant us permission to contact you at any of those numbers or addresses, and any other number, address, or email address that you have provided in the past or may provide in the future or that we believe we may reach you through, about your Impruvu accounts, and about our products and services (even if you previously opted out of these types of communications). Your consent allows us to use written, electronic, or verbal means to contact you, including but not limited to text messaging and emails, for all purposes not prohibited by applicable law. Message and data rates may apply. Some of the purposes for calls and messages may include (but are not limited to):
Our rights under this Section extend to our affiliates, subsidiaries, parents, agents, vendors, and anyone who is or may be affiliated with the owner of any note evidencing a financial obligation you incur or the owner of any other financial obligation you incur through Impruvu’s financial products. You agree to notify us immediately of any changes to your contact information. Please refer to the “CONTACTING US” section at the bottom of this document for instructions on how to contact us.
DISCLAIMER OF WARRANTIES
You expressly understand and agree to the following disclaimers to the extent permitted by applicable law:
Your use of the Data is at your sole risk. Impruvu does not warrant or guarantee the accuracy, adequacy, timeliness, reliability, completeness, or usefulness of the Data and Impruvu disclaims liability for errors or omissions in the Data. The Data is provided on an “as-is” and “as available” basis, without any warranty, either express or implied. Impruvu disclaims all warranties, including, but not limited to, any implied warranties of non-infringement, title, merchantability, or fitness for a particular purpose, or any warranty that the site is free of viruses or other harmful components. This does not affect those warranties that are incapable of exclusion, restriction, or modification under the laws applicable to this Agreement.
Any material downloaded or otherwise obtained through the Site or the Data is acquired at your own discretion and risk and you will be solely responsible for any damage to your own computer system or loss of data that results from the download of any such material.
No advice or information, whether written or oral, obtained by you from Impruvu shall create any warranty not expressly stated in these Terms.
For more information on Impruvu’s Disclaimers, please visit our website at:
ASSUMPTION OF RISK
The Site and services are provided for communication purposes only. You acknowledge and agree that any information posted on the Site is not intended to be legal advice, medical advice, or financial advice, and no fiduciary relationship has been created between You and Impruvu. You further agree that your purchase of any of the products on the Site is at your own risk. Impruvu does not assume responsibility or liability for any advice or other information given on the Site.
LIMITATION OF LIABILITY
EXCLUDING DAMAGES ARISING FROM THE COMPANY’S BREACH OF CONFIDENTIALITY OBLIGATIONS, THE COMPANY SHALL NOT BE LIABLE TO THE USER, REGARDLESS OF THE FORM OF ACTION, WHETHER IN CONTRACT, TORT, OR OTHERWISE, FOR ANY LOST PROFITS BUSINESS INTERRUPTION, OR FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES ARISING OUT OF OR RELATING TO THIS AGREEMENT, EVEN IF THE USER HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES OR LIABILITY, NOR SHALL THE COMPANY’S AGGREGATE LIABILITY FOR ANY OTHER DAMAGES ARISING OUT OF THIS AGREEMENT EXCEED THE LIQUIDATION FEE PAID BY THE “USER” TO THE “COMPANY” IN ACCORDANCE WITH THE TERMS OF THIS AGREEMENT.
For more information on Impruvu’s Limitation of liability, please visit our website at:
The User agrees to defend, protect, indemnify, and hold the Company, and its affiliates, officers, managers, directors, employees, contractors, and subcontractors, harmless against any and all claims, demands, causes of action, and judgments of every kind and character, including regulatory agency costs, court costs, and attorneys fees, arising, occurring, growing out of, incident to, or resulting directly or indirectly from any misrepresentation made by the User on this website or in connection with the services offered on this website, regardless of whether such misrepresentation was intentional or unintentional.
The User also agrees to defend, protect, indemnify, and hold the Company, and its affiliates, officers, managers, directors, employees, contractors, and subcontractors, harmless against any and all claims, demands, causes of action, and judgments of every kind and character asserted by any third-party that arise out of or in connection with the services offered on this website, or any breach by the User of any provision of this website’s terms and conditions. The indemnities set forth in this here are subject to the restrictions or limitations imposed by law, but only to the extent of such restrictions or limitations.
For more information on Impruvu’s Indemnification, please visit our website at:
MONITORING OF THE SITE
Impruvu has no obligation to monitor the Site; however, you acknowledge and agree that Impruvu has the right to monitor the Site electronically from time to time and to disclose any information as necessary or appropriate to satisfy any law, regulation, or other governmental request, to operate the Site, present marketing, or other promotional offers to you either on the Site or on a third party site, or to protect itself or other users of the Site.
SUBMISSIONS TO THE SITE
USE OF PERSONALLY IDENTIFIABLE INFORMATION
This Site is not intended for distribution to, or use by, any person or entity in any jurisdiction or country where such distribution or use would be contrary to applicable law or regulation. By offering this Site and Content no distribution or solicitation is made by Impruvu to any person to use the Site or Content in jurisdictions where the provision of the Site and/or Content is prohibited by law.
Failure by Imrpuvu to enforce any of its rights under this Agreement shall not be construed as a waiver of those rights or any other rights in any way whatsoever.
RESOLUTION OF DISPUTES: THE USER ACKNOWLEDGES THAT IT HAS READ THIS PROVISION CAREFULLY, AND UNDERSTANDS THAT THIS PROVISION LIMITS THE USER’S RIGHTS IN THE EVENT OF A DISPUTE BETWEEN THE USER AND IMPRUVU.
In this Resolution of Disputes provision:
“You” and “your” mean the individual entering into this Agreement, as well as any person claiming through such individual;
“We” and “us” mean Impruvu LLC, and each its affiliates;
“Claim” means any dispute, claim, or controversy (whether based on contract, tort, intentional tort, constitution, statute, ordinance, common law, or equity; whether pre-existing, present, or future; and whether seeking monetary, injunctive, declaratory, or any other relief) arising from or relating to this Agreement or the relationship between us and you (including claims arising prior to or after the date of the Agreement, and claims that are currently the subject of purported class action litigation in which you are not a member of a certified class), and includes claims that are brought as counterclaims, cross claims, third party claims or otherwise, as well as disputes about the validity or enforceability of this Agreement or the validity or enforceability of this Arbitration clause.
Any Claim shall be resolved, upon the election of either us or you, by binding arbitration administered by the American Arbitration Association or JAMS, under the applicable arbitration rules of the administrator in effect at the time a Claim is filed (the “Rules”). Any arbitration under this Agreement will take place on an individual basis; class arbitrations and class actions are not permitted. The Party to file that claim chooses the administrator. You can obtain the Rules and other information about initiating arbitration by contacting the American Arbitration Association at 1633 Broadway, 10th Floor, New York, NY 10019, (800) 778-7879, www.adr.org; or by contacting JAMS at 1920 Main Street, Suite 300, Irvine, CA 92614, (949) 224-1810, www.jamsadr.com.
The address for serving any arbitration demand or claim on us is: Impruvu LLC, 530-B Harkle Road, STE 100, Santa Fe, NM 87505, Attention: Compliance.
Claims will be arbitrated by a single, neutral arbitrator, who shall be a retired judge or a lawyer with at least ten (10) years’ experience. We agree not to invoke our right to elect arbitration of an individual Claim filed by you in a small claims or similar court (if any), so long as the Claim is pending on an individual basis only in such court.
We will pay all filing and administration fees charged by the administrator and arbitrator fees up to one thousand ($1,000) USD, and we will consider your request to pay any additional arbitration costs; however, if an arbitrator issues an award in our favor, you will be required to reimburse us for any fees we have previously paid to the administrator or for which we are responsible. If you receive an award from the arbitrator, we will reimburse you for any fees paid by you to the administrator or arbitrator. Each Party shall bear its own attorney’s, expert’s and witness fees, which shall not be considered costs of arbitration; however, if a statute gives you the right to recover these fees, or fees paid to the administrator or arbitrator, then these statutory rights will apply in arbitration.
Any in-person arbitration hearing will be held in the State of Oregon, or in such other locations as mutually agreed upon. The arbitrator shall apply applicable substantive law consistent with the Federal Arbitration Act, 9 U.S.C. 1-16, and, if requested by either Party, provide written reasoned findings of fact and conclusions of law. The arbitrator shall have the power to award any relief authorized under applicable law. Any appropriate court may enter judgment upon the arbitrator’s award. The arbitrator’s decision will be final and binding except that:
Any Party may exercise any appeal right under the FAA; and
Any Party may appeal any award relating to a claim for more than one-hundred thousand ($100,000) USD to a three-arbitrator panel appointed by the administrator, which will reconsider de novo any aspect of the appealed award. The panel’s decision will be final and binding, except for any appeal right under the FAA. Unless applicable law provides otherwise, the appealing Party will pay the appeal’s cost, regardless of its outcome; however, we will consider any reasonable written request by you for us to bear the cost.
YOU AND WE AGREE THAT EACH MAY BRING CLAIMS AGAINST THE OTHER ONLY IN OUR INDIVIDUAL CAPACITY, AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS OR REPRESENTATIVE PROCEEDING. Further, unless both you and we agree otherwise in writing, the arbitrator may not consolidate more than one person’s claims. The arbitrator shall have no power to arbitrate any Claims on a class action basis or Claims brought in a purported representative capacity on behalf of the general public, other borrowers, or other persons similarly situated. The validity and effect of this Arbitration clause shall be determined exclusively by a court, and not by the administrator or any arbitrator.
If any portion of this Arbitration clause is deemed invalid or unenforceable for any reason, it shall not invalidate the remaining portions of this clause. However, if this Arbitration clause is deemed invalid or unenforceable in whole or in part, then this entire Arbitration clause shall be deemed invalid and unenforceable. The terms of this Arbitration clause will prevail if there is any conflict between the Rules and this section.
YOU AND WE AGREE THAT, BY ENTERING INTO THIS AGREEMENT, THE PARTIES ARE EACH WAIVING THE RIGHT TO A TRIAL BY JURY OR TO PARTICIPATE IN A CLASS ACTION. YOU AND WE ACKNOWLEDGE THAT ARBITRATION WILL LIMIT OUR LEGAL RIGHTS, INCLUDING THE RIGHT TO PARTICIPATE IN A CLASS ACTION, THE RIGHT TO A JURY TRIAL, THE RIGHT TO CONDUCT FULL DISCOVERY, AND THE RIGHT TO APPEAL (EXCEPT AS PERMITTED IN THIS ARBITRATION CLAUSE OR UNDER THE FEDERAL ARBITRATION ACT).
You and we acknowledge and agree that the arbitration agreement set forth in this Arbitration clause is made pursuant to a transaction involving interstate commerce, and thus the Federal Arbitration Act shall govern the interpretation and enforcement of this Arbitration clause.
For more information on Impruvu’s Arbitration clause, please visit our website at:
This Agreement shall be subject to any other agreements you have entered into with Impruvu.
Certain sections or pages on the Site may contain separate terms and conditions of use, which are in addition to the terms and conditions of this Agreement. In the event of a conflict, the additional terms and conditions will govern those sections or pages.
If any provision of this Agreement is found to be invalid or unenforceable, the remaining provisions shall be enforced to the fullest extent possible, and the remaining provisions of the Agreement shall remain in full force and effect.
This Agreement will be binding on, inure to the benefit of, and be enforceable against the parties to this Agreement and their respective successors and assignees. Neither the course of conduct between the parties to this Agreement nor trade practice shall serve to modify any provision of this Agreement. All rights not expressly granted herein are hereby reserved. Section headings are for reference purposes only and in no way define, limit, construe or describe the scope or extent of such section
If you believe, in good faith, that any materials on the Site infringe your copyrights, notifications of claimed copyright infringement should be sent to Impruvu. Notification should include:
You may contact Impruvu for notification of claimed copyright infringement by email at email@example.com or by regular mail at:
530-B Harkle Road, STE 100,
Santa Fe, NM 87505
For additional information, or if you have any questions regarding these Terms, please submit your questions or comments directly to firstname.lastname@example.org.
You can also send questions or comments to:
530-B Harkle Road, STE 100,
Santa Fe, NM 87505
Last Updated: June 22, 2023
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