Terms of Use


Terms of Use

Last Update Posted: September 20, 2018

Fiserv Automotive Solutions, LLC and Fiserv LS LLC, together with their affiliates (collectively, “Sagent Lending Technologies”), offers you a wide range of content and information about solutions and trends in the lending industries, Sagent Lending Technologies’ products and services and Sagent Lending Technologies as a company as well as, in certain circumstances, content provided by other persons and entities (collectively, “Materials”) via this and Sagent Lending Technologies’ related websites, social media pages and other similar sources, including features and services available through such sites and sources, such as RSS feeds, podcasts, video and downloads (collectively, this “Site”). By using this Site, you are agreeing to accept and comply with these terms and conditions of use, as stated below (these “Terms”), as well as Sagent Lending Technologies’ Privacy Policy (“Privacy Policy”) at all times. YOU MUST READ THESE TERMS (AND THE PRIVACY POLICY) FULLY. Please contact Sagent Lending Technologies at info@sagentlending.com with any questions you may have.

1. Limited Right to Use. This Site is owned and operated by Sagent Lending Technologies. Unless otherwise specified, all Materials on this Site are the property of Sagent Lending Technologies and are protected by the copyright laws of the United States. You may use, view, print, and/or download the Materials from this Site solely for your personal, informational use within your organization, provided that you must keep intact all copyright and other proprietary notices. You may not copy or distribute any Materials published by Sagent Lending Technologies on this Site or any portion of those Materials beyond your organization without Sagent Lending Technologies’ prior written permission (or permission of Sagent Lending Technologies’ third-party provider if the Material is owned by that provider). This includes any copying, reproduction, modification, republication, uploading, posting or directly or indirectly sending any Materials (or portions of Materials) in any form or by any means. However, this does not restrict you from linking to publicly available Materials, excluding any Materials available in a part of the Site that requires a password to enter or is otherwise restricted (“Publicly Available Materials”), using any sharing methods Sagent Lending Technologies provides on this Site for sharing Publicly Available Materials, or referencing or citing Publicly Available Materials, provided that, in all of these instances, you must properly identify Sagent Lending Technologies as the source of the Publicly Available Materials. Materials available in a part of the Site that requires a password to enter or is otherwise restricted must be treated as Confidential Information unless otherwise marked and may not be not used or disclosed except as expressly permitted in a written agreement with Sagent Lending Technologies.

2. Eligibility. This Site is not offered to any person under the age of 18. If you are over the age of 18 but under the age of 18, you must either: (i) be an emancipated minor, or (ii) have obtained the legal consent of your parent or legal guardian to use this Site and enter into these Terms. Further, this Site is intended and offered to residents of the United States, and may not be appropriate for use in, or comply with the Laws of, any other location or jurisdiction.

3. Links and Frames. Links to other sites may be provided on this Site for your convenience. By providing these links, Sagent Lending Technologies is not endorsing, sponsoring or recommending such sites or the materials disseminated by or services provided by them, and are not responsible for the materials, services or other situations at or related to or from any other site, and make no representations concerning the content of sites listed in any part of this Site. Consequently, Sagent Lending Technologies cannot be held responsible for the accuracy, relevancy, copyright compliance, legality or decency of material contained in sites listed in any search results or otherwise linked to this Site. For example, if you “click” on a banner advertisement or a search result, your “click” may take you off this Site. This may include links from advertisers, sponsors, and content partners that may use Sagent Lending Technologies’ logo(s) as part of a co-branding agreement. These other sites may send their own cookies to users, collect data, solicit personal information, or contain information that you may find inappropriate or offensive. In addition, advertisers may send cookies to users that Sagent Lending Technologies does not control. Sagent Lending Technologies reserves the right to disable links from any third-party sites to this Site. To learn more about Sagent Lending Technologies’ use of cookies, please read the Cookie Statement.

4. Registration. You may be given the opportunity to create and register a user account (your “Account”) that you may use to receive information from Sagent Lending Technologies and/or participate in certain features and functionalities of this Site. By registering, you represent, warrant and otherwise fully confirm to Sagent Lending Technologies that all information that you provide on the registration form is complete, current and otherwise accurate. Sagent Lending Technologies may rely on the information you provide, including any user ids or passwords you create, to identify you and your activity, and you must promptly update and otherwise maintain your information to keep your Account current at all times. You agree that Sagent Lending Technologies may use the information you provide for any purpose, so long as such use does not violate the Privacy Policy.

5. Password and Security. You are responsible for maintaining the confidentiality of your account and for restricting access to your computer, and you agree to accept all responsibility for the activities occurring under your account or password. If you are issued or create any password or other credentials to access this Site or any parts of functionalities that are part of this Site, you agree not to give or make available your password or credentials to any unauthorized individuals, and you agree to be responsible for all actions taken by anyone to whom you have provided such credentials. If you believe that your credentials have been lost or stolen or that someone may attempt to use them to access this Site without your consent, you must notify Sagent Lending Technologies at once at the address specified below.

6. Interactive Features. This Site may include opportunities for you to access, view and provide content for this Site, such as blogs, comment sections, discussion forums and other similar interactive features (“Interactive Features”). If you have any questions specifically regarding the Interactive Features (or the related portions of this Site), please contact Sagent Lending Technologies at info@sagentlending.com. You alone are responsible for your use of any Interactive Features and you use them at your own risk. Any content questions, comments, suggestions, information, ideas, concepts, photographs, graphics or other materials, whether oral, written or electronic (collectively, “Content”) which you submit through an Interactive Feature must pertain to the designated topic or theme of the applicable Interactive Feature. You may not use this Site or any Interactive Features in any way that (as determined by Sagent Lending Technologies) impairs, restricts or inhibits anyone else from enjoying or using this Site or the Interactive Features. More specifically, you represent, warrant and otherwise confirm the following:
• All of your Content is accurate and not misleading, and use and posting or other transmission of your Content does not violate applicable law or these Terms, and will not violate any rights of or cause injury to any person or entity.
• Except as specified in the Privacy Policy, you are providing your Content without any expectation or obligation of privacy, remuneration or attribution, and you recognize and agree that your Content will not be considered proprietary to you or be subject to any limitations of use by Sagent Lending Technologies (See Paragraph 8 below).
• You will not violate, jeopardize, or otherwise interfere with any other person’s right to privacy (whether that person is a user of this Site or not), including the collection, solicitation or aggregation of any information about any person or selling, transmitting or otherwise posting private information about a person or any third party.
• You will not upload, post or otherwise transmit any Content and/or otherwise take any action in connection with this Site that: (i) violate or infringe in any way upon the rights of others, including any statements which may defame, harass, stalk or threaten others; (ii) is offensive, including blatant expressions of hatred, racism, bigotry, abusiveness, profanity, vulgarity or indecency; (iii) includes, directly or indirectly, any pornographic materials or references or materials or references involving obscene content; or (iv) violates any law, regulation, otherwise constitutes a criminal offense or gives rise to a civil liability, regulatory fine or obligation, or advocates or provides instructions or ideas relating to any illegal activity or any intent to commit any illegal activity.
• You will not upload, post or otherwise transmit Content that contains any advertisement or solicitation with respect to any products, materials, services or other offerings of you or any third party, including junk mail, SPAM, chain letters or any other solicitation or marketing materials.
• You will not post Content or otherwise take any action in connection with this Site where you impersonate any person or entity, falsely state or mischaracterize your affiliation with any entity, including Sagent Lending Technologies, or falsely deny your affiliation with an entity, including Sagent Lending Technologies.
• You have, prior to uploading, posting or otherwise transmitting any Content, obtained all required consents from every person or entity involved in such Content (including any person’s name or likeness) to include any such person or entity’s name, likeness, creation, materials or any other information in or with such Content;
• You will not upload, post, or otherwise transmit any Content protected by any intellectual property right, including any copyright, trademark, trade secret, right of publicity or other proprietary right, without the express permission of the owner of such intellectual property right; provided that (i) you are solely responsible for determining whether any Content is not protected by any intellectual property rights, and (ii) you shall be solely liable for any damage resulting from infringement of any such intellectual property rights or any other harm resulting from the Content you upload, post or otherwise transmit.
• You acknowledge and agree that other users may and are authorized to access, view, store or reproduce your Content for personal use.
• You will not post any information which is personal to you or any other person or entity, such as address, telephone number, or social security number.

Sagent Lending Technologies reserves the right to, at any time and at its sole discretion, (1) restrict or prevent your access to this Site or any Interactive Features, (2) move, remove or edit any Content posted, uploaded or referenced by you and/or (3) terminate or suspend your Account for any reason. SAGENT LENDING TECHNOLOGIES IS NOT RESPONSIBLE FOR ANY CONTENT POSTED, UPLOADED OR REFERENCED BY ANY USER IN CONNECTION WITH THIS SITE OR ANY INTERACTIVE FEATURES, INCLUDING COMMENTS SECTIONS, DISCUSSION BOARDS OR OTHER SUCH AREAS.

7. Interference and Malicious Code. You may not use this Site, including uploading, posting or otherwise transmitting any Content, that could in any way transmit, directly or indirectly, any form of malicious or unwanted code or program to this Site or any websites, servers, networks, systems or equipment of Sagent Lending Technologies or any third party, or would otherwise interfere with or disrupt this Site or any websites, servers, networks, systems or equipment of Sagent Lending Technologies or any third party. You must at all times abide by all policies, procedures and other requirements established by any networks connected to this Site. You also may not employ any spiders, robots or other similar data mining programs or techniques on any Materials or otherwise in connection with your use of this Site.

8. Monitoring. You agree that Sagent Lending Technologies has the right, but not the obligation, to monitor your use of this Site as well as any Content posted or uploaded to this Site. Sagent Lending Technologies performs this monitoring for purposes of ensuring compliance with these Terms, compliance with any applicable laws or regulations, and understanding users’ use of this Site and the Interactive Features, but this monitoring may be for any purpose permitted or authorized by applicable law, regulation or government or industry agent. Sagent Lending Technologies may (although is not obligated to), screen, disable, remove or otherwise edit any Content you or any other user posts, uploads or references to or in connection with this Site. You agree that Sagent Lending Technologies is not required to notify you (or any other user) of any such screening or editing. Furthermore, you agree that you have no expectation that Sagent Lending Technologies will return that Content or otherwise make such Content available to you or any other user after it is edited or deleted (including any expectation that Sagent Lending Technologies will create or maintain any backup or archival copies of such Content for any period of time), and Sagent Lending Technologies has no responsibility to do so or liability if it does not do so.

9. License to Content. If you submit any Content in connection with this Site or your use of this Site, you directly and expressly agree that these submissions are not confidential. These submissions will not, in any way, create any confidential or other relationship between you and Sagent Lending Technologies. By posting, uploading, referencing or otherwise submitting any Content to this Site or to Sagent Lending Technologies directly, you grant Sagent Lending Technologies and its affiliates a perpetual, irrevocable, non-exclusive, worldwide right and license to use, publish, reproduce, modify, adapt, edit, translate, create derivative works from, incorporate into other works, distribute, sublicense and otherwise exploit all such Content, in part or in whole, in any way and in any form, whether now known or otherwise developed hereafter. Further, you agree that you will not receive any royalty or any other payment or attribution or acknowledgement and that neither Sagent Lending Technologies nor its affiliates shall owe you any other obligation. You agree that Sagent Lending Technologies may take any and all legal action available to it against any person or entity if that person or entity violates your or Sagent Lending Technologies’ rights in your Content through a breach of these Terms. If you retain moral rights (including rights of attribution or integrity) in your Content, you hereby declare that: (a) you do not require that any personally identifying information be used in connection with the use of your Content, or any updates, improvements or derivative works made to or from your Content; (b) you do not object to any publication, modification, editing, deletion or other use of your Content by Sagent Lending Technologies or any of its successors or assigns; (c) you fully and forever waive any right you have to claim or assert entitlement to any and all moral rights of an author regarding your Content; and (d) you fully and forever release Sagent Lending Technologies and its directors, officers, employees, agents, licensees, successors and assigns from any claims that you could otherwise assert against Sagent Lending Technologies by virtue of any such moral rights. You represent and warrant that you own or otherwise control all rights to the Content, that the Content is accurate does not violate this Terms of Service and will not cause injury to any person or entity; you will indemnify Sagent Lending Technologies, and its affiliates, subsidiaries, parents and its and their officers, employees and service providers for all claims resulting from your Content.

10. Third-Party Content. Sagent Lending Technologies receives some of the Materials on this Site from third parties, including other users. All statements, opinions, advice, criticisms, offers or other information stated or expressed by any such third parties reflect solely the opinion and belief of the respective third party making such statement, and not that of Sagent Lending Technologies or any of its affiliates. Sagent Lending Technologies makes no endorsement, guarantee or other statement, express or implied, about such third-party Materials, including that any such third-party Materials are accurate, complete, timely, corroborated or otherwise useful or appropriate for any use or circumstance. You must independently evaluate any such third-party Materials yourself if you intend to rely in any way on the information contained in or provided in connection with such third-party Materials, and you alone must engage any appropriate professionals necessary or prudent in making that evaluation (which Sagent Lending Technologies recommends you do).

11. Copyright Notice. Materials may be made available to you via this Site that come from third parties not within Sagent Lending Technologies’ control. In connection with the Digital Millennium Copyright Act (DMCA), while Sagent Lending Technologies fully respects the copyright interest of all of Sagent Lending Technologies’ users and all such third parties, Sagent Lending Technologies has no obligation to, and does not, scan Materials or any content uploaded, provided, posted or otherwise used in connection with this Site for the inclusion of illegal, infringing, improper, unauthorized or impermissible content. However, as a matter of policy, Sagent Lending Technologies does not allow Materials it knows are infringing another person or entity’s copyright to remain on this Site. To assist Sagent Lending Technologies with this policy, you agree that, if you believe any Materials on this Site may infringe or otherwise violate your or any other person or entity’s copyright, you will write to Sagent Lending Technologies (at info@sagentlending.com ) as soon as you reasonably can specifying the Materials you believe are infringing and the reasons why. If you wish to send a formal notice of infringement of your copyright under the DMCA, your notice (to the email address listed above) must specify or provide, at least:
• A physical or electronic signature of a person authorized to act on behalf of the owner of the exclusive right that is allegedly infringed;
• Identification of the copyrighted work claimed to have been infringed, or, if multiple copyrighted works at a single online site are covered by a single notification, a representative list of such works at that site;
• Identification of the material that is claimed to be infringing or to be the subject of infringing activity that is to be removed or access to which is to be disabled, and information reasonably sufficient to permit Sagent Lending Technologies to locate the material;
• Information reasonably sufficient to permit Sagent Lending Technologies 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 material 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 the exclusive right(s) that is allegedly infringed.

12. Required Technology. Your access and use of this Site may require certain equipment, connectivity services and other technology (e.g., computers or other similar devices, internet connectivity, reading programs, etc.). It is your responsibility to obtain and maintain all of this required technology at your own expense. Although Sagent Lending Technologies generally tries to make this Site compatible with available technology, Sagent Lending Technologies does not imply or guarantee in any way that this Site will be compatible or otherwise accessible using any specific model, brand or type of technology.

13. Ownership. Sagent Lending Technologies reserves all rights, title and interest in all Materials posted to this Site, including without limitation all patents, copyrights, trademarks, trade names, service marks and logos of Sagent Lending Technologies and its affiliates and licensors (“Intellectual Property”). Except expressly stated in Paragraph 1 above, you have no right to use any of this Intellectual Property, and nothing contained in this Site or these Terms shall imply or grant to you or any other third party any right to use any such Intellectual Property without the prior written permission of Sagent Lending Technologies or the respective owner.

14. Indemnity. You are solely responsible for any unauthorized use of this Site. You agree to indemnify, defend, and hold Sagent Lending Technologies harmless from and against any and all claims, liabilities, damages, losses, or expenses (including reasonable attorney’s fees and costs) arising out of, based on, or in connection with your access and/or use of this Site.

15. Disclaimer. USE OF THIS SITE AND ANY MATERIALS YOU ACCESS, DOWNLOAD OR OTHERWISE OBTAIN IN CONNECTION WITH YOUR USE OF THIS SITE ARE SOLELY AT YOUR OWN DISCRETION AND RISK. THIS SITE AND ALL MATERIALS ARE PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS. SAGENT LENDING TECHNOLOGIES HAS AND SHALL HAVE NO RESPONSIBILITY FOR ANY DAMAGE CAUSED TO YOU OR ANY OF YOUR PROPERTY (INCLUDING ANY DAMAGE TO YOUR COMPUTER SYSTEM OR LOSS OF DATA) THAT RESULTS FROM YOUR USE OF THIS SITE OR ANY MATERIALS. SAGENT LENDING TECHNOLOGIES EXPRESSLY DISCLAIMS ALL WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE AND NON-INFRINGEMENT WITH RESPECT TO THIS SITE AND ALL MATERIALS PROVIDED ON OR THROUGH THE SITE. SPECIFICALLY, SAGENT LENDING TECHNOLOGIES MAKES NO WARRANTY OR STATEMENT THAT: (A) THIS SITE OR ANY MATERIALS WILL MEET YOUR REQUIREMENTS; (B) THIS SITE WILL BE AVAILABLE ON AN UNINTERRUPTED, TIMELY, SECURE, OR ERROR-FREE BASIS; (C) THE MATERIALS THAT MAY BE OBTAINED FROM THE USE OF THIS SITE (OR ANY INFORMATION RELATED TO SUCH MATERIALS OR USE) WILL BE ACCURATE OR RELIABLE; (D) THIS SITE OR THE MATERIALS ON THIS SITE WILL BE MAINTAINED OR UPDATED OR WILL BE FREE FROM VIRUSES OR OTHER HARMFUL COMPONENTS; OR (E) ANY MATERIALS YOU ACCESS, VIEW, OBTAIN OR OTHERWISE CONSIDER WILL MEET ANY EXPECTATIONS YOU MAY HAVE.

16. Limitation of Liability. IN NO EVENT SHALL SAGENT LENDING TECHNOLOGIES OR ANY OF ITS AFFILIATES, SUBSIDIARIES, PARENTS, OR ITS OR THEIR OFFICERS, EMPLOYEES OR SERVICE PROVIDERS BE LIABLE FOR ANY DAMAGES WHATSOEVER, INCLUDING WITHOUT LIMITATION DIRECT, INDIRECT, INCIDENTAL, SPECIAL OR CONSEQUENTIAL DAMAGES, OR DAMAGES FOR LOSS OF PROFITS, REVENUE, DATA OR USE, INCURRED BY YOU OR ANY THIRD PARTY, WHETHER IN AN ACTION IN CONTRACT OR TORT, ARISING FROM YOUR ACCESS TO, OR USE OF, THIS SITE OR ANY MATERIALS OR OTHER CONTENT PROVIDED ON OR THROUGH THIS SITE. FURTHERMORE, IN NO EVENT SHALL SAGENT LENDING TECHNOLOGIES OR ANY OF ITS AFFILIATES BE LIABLE FOR THE DEFAMATORY, OFFENSIVE OR ILLEGAL CONDUCT OF YOU, OTHER USERS OR ANY OTHER THIRD PARTIES. YOU ACKNOWLEDGE AND AGREE THAT THE RISK OF ANY INJURY RELATING THERETO RESTS SOLELY AND ENTIRELY WITH YOU.
CERTAIN STATE LAWS DO NOT ALLOW LIMITATIONS OR THE EXCLUSION OF CERTAIN DAMAGES. IF THESE LAWS APPLY TO YOU, SOME OR ALL OF THE ABOVE DISCLAIMERS, EXCLUSIONS, OR LIMITATIONS MAY NOT APPLY TO YOU, AND YOU MAY HAVE ADDITIONAL RIGHTS.

17. Remedies for Breach. If Sagent Lending Technologies has reason to believe that you have engaged in any of the prohibited activities described in these Terms or have otherwise breached your obligations under these Terms, Sagent Lending Technologies may terminate, suspend or limit your access to or use of this Site; notify law enforcement, regulatory authorities, impacted third parties, and others as we deem appropriate; refuse to provide access to this Site to you in the future; and/or take legal action against you. In addition, Sagent Lending Technologies, in its sole discretion, reserves the right to terminate your access to this Site for any reason and at any time.

18. Waiver of Jury Trial. Both parties agree to waive any right to have a jury participate in the resolution of any dispute or claim between the parties or any of their respective affiliates or employers or any other intended beneficiary arising under or relating to these Terms and the use of this Site.

19. Waiver of Class Action Claims. Both parties agree to waive any right to assert any dispute or claim against the other party or any other intended beneficiary arising under or relating to these Terms or this Site as a class action.

20. No Waiver. Sagent Lending Technologies shall not be deemed to have waived any of its rights or remedies hereunder unless such waiver is in writing and signed by an authorized representative of Sagent Lending Technologies. No delay or omission on the part of Sagent Lending Technologies in exercising any rights or remedies shall operate as a waiver of such rights or remedies or any other rights or remedies. A waiver on any one occasion shall not be construed as a bar or waiver of any rights or remedies on future occasions.

21. Regional Information. Information Sagent Lending Technologies publishes on this Site may contain references or cross references to Sagent Lending Technologies products and services that are not announced or available in your country or region of the world. Such references do not imply that Sagent Lending Technologies intends to announce such products or services in your country.

22. Site Modifications. Sagent Lending Technologies may, in its discretion, change, limit or remove all or portions of this Site. Sagent Lending Technologies may also limit the availability of this Site temporarily or permanently.

23. Modifications to these Terms. Sagent Lending Technologies may add to or otherwise modify these Terms (in whole or in part) at any time. Such changes are at Sagent Lending Technologies’s discretion, and such additions or modifications shall be effective immediately upon posting to this Site. By using this Site after such additions or modifications are posted, you are agreeing to accept and comply with the Terms as modified.

24. Your Privacy. Protecting your privacy is very important to Sagent Lending Technologies. Please review the Privacy Policy in order to better understand our commitment to maintaining your privacy, as well as our use and disclosure of your information.

25. Privacy of Others. If you receive information about another person through this Site, you agree to keep the information confidential and only use it in connection with this Site.

26. Our Relationship With You. Sagent Lending Technologies is an independent contractor for all purposes with respect to this Site.

27. General. These Terms, as well as any other rules, procedures or protocols established by Sagent Lending Technologies (including the Privacy Policy), will, to the extent inconsistent with the terms of previous agreements and arrangements between you or your organization and Sagent Lending Technologies, whether written or oral, will supersede such agreements and arrangements with respect to the subject matter they address. Sagent Lending Technologies and its affiliates, and their directors, officers, employees, agents, successors, and assigns shall be considered beneficiaries under these Terms and shall each have the right to enforce the provisions of these Terms directly, jointly or on its own behalf. These Terms shall be construed in accordance with the laws of the State of New York, without regard to its conflict of laws rules. No waiver by Sagent Lending Technologies (or any of its agents) of any right under these Terms shall be deemed to be a waiver of any other term, right or obligation hereunder. To the extent any provision of these Terms, including without limitation any disclaimers set forth herein, are deemed to be unenforceable as a matter of law, all remaining provisions of these Terms shall remain in effect as written. Section headings are provided solely for convenience and shall not be given any legal import.

28. Other Sagent Lending Technologies Sites. These Terms are applicable to Sagent Lending Technologies’ Sites, as specified above. However, Sagent Lending Technologies may host and provide access to other websites, including websites that provide services, and any Other Sagent Lending Technologies Site may have its own terms and conditions posted. Those other terms and conditions shall apply to that Other Sagent Lending Technologies Site and the use of any services, functionalities or other offerings made in connection with that Other Sagent Lending Technologies Site, and these Terms shall not apply in such circumstances. Furthermore, these Terms shall not apply to any websites Sagent Lending Technologies creates for any individual client, and such websites shall be subject to the terms and conditions set forth in the applicable agreement between Sagent Lending Technologies and that client.

29. Contact and Inquiries. If you have any questions regarding these Terms or use of this Site generally, please contact Sagent Lending Technologies at info@sagentlending.com.