Terms And Condition

By accessing, browsing and/or using this website, RankOcean.com (hereinafter the “RankOcean website” or “Website” or “RO“), and any and all subdomains thereof, including those requiring login, you acknowledge that you have read, understood, and agree to be bound by the following Terms of Use Policy. Content on this Website and the services offered by RankOcean Inc. (referred to herein as “RankOcean Inc.,” “RankOcean,” “us,” “we,” and other similar pronouns) may change from time to time. If the content of the Terms of Use Policy changes, the changes will be posted on this Website, and a date will be added to the page to indicate the date the changes were made and the date the Terms of Use Policy was last revised. It is your responsibility to keep informed of any changes, and your continued use of the RankOcean Website is your continued acceptance of the RankOcean Website generally, and of the Terms of Use Policy. Some features of this Website, or products or services offered, may be subject to additional terms, conditions and disclaimers not contained in the Terms of Use Policy. If additional terms, conditions, or disclaimers apply to other products or services, RankOcean will make you aware of the same.

WEBSITE

This Website is owned and operated by RankOcean Inc.. The RankOcean website is for informational purposes only and may be updated, monitored, amended, or removed without notice.

PROPRIETARY RIGHTS TO RankOcean WEBSITE

All RankOcean website content is the property of RankOcean Inc. with all rights reserved. Use of any RankOcean website content without the written permission of RankOcean Inc. is strictly prohibited.

INTELLECTUAL PROPERTY

RankOcean is a trade name used by RankOcean Inc.. In addition to the RankOcean trade name, additional registered names, logos, graphics, phrases, marks, or designs on the RankOcean website are protected intellectual property, as noted with these names, logos, graphics, phrases, marks or designs when used. Intellectual property owned by RankOcean Inc. may not be used without the prior written permission of RankOcean Inc., and unauthorized use of protected material may violate copyright, trademark, privacy, or other laws. Further, no intellectual property owned by RankOcean or other RankOcean website content may be copied, displayed, reproduced, distributed, or modified without the express consent of RankOcean, Inc..

LOANS

All loans are made by RankOcean Inc., a Delaware limited liability company with its principal place of business in Kennesaw, Georgia. RankOcean Inc. only makes consumer loans to individuals in which the proceeds are dispersed in full and must be repaid according to the set payment schedule in the loan agreement. The initial principal amount of these loans ranges from $3,500 to $15,000, depending on a variety of factors. All loan determinations are subject to credit review and approval, and rates and fees are subject to change. No information on this RankOcean website should be construed as a guarantee of specific lending results. Not all applicants will qualify for all loan products offered. When making a credit decision, including determining applicable annual percentage rates, RankOcean Inc. may consider credit score, loan amount, loan term, credit usage and other information, but reserves the right to consider additional factors. Individual borrowers must be U.S. citizens or permanent residents, must be at least 18 years old or the age of contracting majority in the borrower’s state of residence, must have a valid deposit account with insured deposits located in the United States, and must have a valid social security number. To apply for a loan, you will need to register on this RankOcean website and provide requested information. You represent and warrant that any joint account holder has consented to any withdrawals for payments or other transfers. For individuals who are approved for a loan, the consumer agrees that RankOcean Inc. accepts no liability or responsibility for failing to make a transfer of approved loan funds within twenty-four hours if making a transfer would cause RankOcean Inc. to violate any law, rule, or regulation to which RankOcean Inc. is subject, if circumstances beyond RankOcean Inc.’s control prevent the transfer of funds, if RankOcean Inc. suspects your RankOcean website account, log-in information or deposit account information has been compromised, or if the transfer is subject to other technical errors as a result of telephone, device, Internet Service Provider, modem, and/or computer hardware or software that fails to perform.

APPLICATION, LOAN PROCESSING, AND PAYMENT PROCESSING

The business hours of RankOcean Inc. are Monday to Friday, 8:30 am to 5:30 pm EST. All application and loan processing are conducted on these days and during these times, including all money transfers related to loans. If applications are submitted after 5 pm EST on any given day, processing will not occur until the following business day. Successful application processing is contingent on the consumer providing all requested information. Successful loan processing is contingent on the consumer providing all executed documents, bank account information, and identity verification processing.

If you are submitting some form of electronic payment through the RankOcean website, automatic clearinghouse debit “ACH,” electronic funds transfer, or otherwise, you acknowledge that fund transfers through a financial institution may take up to three (3) days, and same day transfers may not clear the financial institution until after 3:00 pm PST. Payments to RankOcean Inc. are not considered received until the funds representing the full installment payment due have been deposited, transferred, processed or otherwise received from the financial institution to RankOcean. You acknowledge that payments received after the close of business on the date due, whether electronically submitted or by mail, may incur a late fee in accordance with your loan agreement. RankOcean Inc. is not responsible for and assumes no liability for late or incomplete payments resulting through no fault of RankOcean Inc.’s processing procedures, RankOcean Inc.’s website, or RankOcean Inc.’s financial institution. Further, you acknowledge that you assume all responsibility for payments considered late and any penalties, fees, or additional consequences resulting from such late payment as a result of a failed transaction due to lack of sufficient funds needed to complete a transaction, any failures in your financial institution’s payment processing system, failure by you to provide the complete or correct payment account information to your financial institution or to RankOcean Inc., and any failure by you or your financial institution as a result of computer, electronic, internet or other issues. Any complaints, disputes, questions, or concerns regarding payment or loan processing may be submitted to RankOcean Inc. c/o Processing, 429 North Weber Road, Suite 281 Romeoville, 60446 IL

LOCATION FOR LOAN AVAILABILITY

RankOcean Inc. only considers making loans to residents of certain states in the United States of America in compliance with federal and specific state laws and requirement. Currently Licensed or Authorized to Lend in 17 States: GA, UT, NM, MO, MT, SD, OR, ND, AL, MI, DE, WA, CO, NJ, IL, CA & TX. Every loan amount may not be available in every state.

EXAMPLE LOAN CALCULATIONS

The RankOcean website may contain information on example loan and calculation tools to help you determine the terms of a loan that you may qualify for. These tools and examples are intended only to provide illustrations of the types of products and services RankOcean may offer and does not bind RankOcean to a specific rate, term, nor amount and is not a loan approval. The results from the examples and calculation tools are based on certain consumer profiles and assumptions that may not apply to you. Therefore, if you are approved for a loan by RankOcean Inc., aspects of your loan may differ from example loans and calculations provided on the RankOcean website.

ACCESSIBILITY

Each visitor to the RankOcean website may establish a user account by providing certain information. The user account requires a username and password, and establishes communication between you and the RankOcean website and/or network. The user account does not create a relationship or loan agreement between you and RankOcean Inc.. If you initiate a loan application, RankOcean Inc. may request additional information of you, which will be added to your user account information, and will be used to identify and/or track your loan request. If you are approved for a loan, RankOcean Inc. may collect additional information from you that may be included in your user account information and may be used to identify you and/or track loan and payment information. By creating a user account, you acknowledge and agree that RankOcean Inc. and any agents or third parties with whom RankOcean contracts or engages may gain access to and may utilize certain information submitted by you to determine security access levels, preferences, associations, and other lawful purposes. A user account is only available to a natural person and may not be established by a natural person on behalf of an entity. Individuals under the age of 18 or under the age of contracting majority in the individual’s state of residence are not eligible for a user account.

PRIVACY

We may use standard software to collect information about visitors to the RankOcean website. Additionally, visitors and current clients may provide us with personal information via email or through the use of online forms. This personal information may include but is not limited to your name, date of birth, social security number, home address and telephone number, account login information, and other information that may be used to determine your eligibility for loans, verify your identity, or for other lawful purposes. This information may be used internally or externally, as appropriate, to handle the sender’s request, to perform services, or for any other permissible purpose. We may listen to and/or record phone calls between you and our representatives as permitted by applicable law.

Finally, we collect information about your computer and your visits to the RankOcean website, such as your IP address, geographical location, browser type, referral source, length of visit, and page views through the use of log files. We use this aggregated information in the administration of our RankOcean website to improve its usability and to evaluate the success of particular marketing/advertising campaigns, search engine optimization strategies and other marketing activities. We use non-identifying and aggregated information to help optimize the RankOcean website based on the needs of our users.

DATA OWNERSHIP & SHARING WITH THIRD PARTIES

From time to time, RankOcean Inc. will share consumer information with third parties so that we may provide the products or services that you have requested. These third parties may assist us with responding to your requests, processing loans, and other related functions. We may also be required to disclose this information by law in conjunction with a law enforcement mandate, judicial proceeding, a court order, subpoena, search warrant or other such request. User acknowledges that data, information, and records obtained by RankOcean in the course of your visiting the RankOcean website, whether stored in electronic or hard copy, will be the sole property of RankOcean to the extent permissible by law. User acknowledges that RankOcean owns all rights and interest to such information obtained or provided, and user places no restriction on the lawful use of this information by RankOcean. User expressly authorizes and RankOcean reserves the right, based on this authorization, to utilize, distribute, transfer, share, trade, disclose, and/or sell, or offer to utilize, distribute, transfer, share, trade, disclose, and/or sell data received about user to third parties for any lawful purpose. Such lawful purposes may include, but not be limited to, the purposes of marketing, underwriting, fraud detection, account and portfolio management, collections, and overall consumer risk assessment. This information may include, but is not limited to, information relating to a user’s visit to and use of the RankOcean website, information provided during the application process, and/or user’s account history or payment history under any agreements user may have with RankOcean. This data may include, in some instances, but is not limited to, personally identifiable information. Please review the RankOcean Inc. Privacy Notice, hereby incorporated by reference into this Policy, which explains the information that is collected through the RankOcean website and which may be transmitted to third parties.

COMPLETING ONLINE FORMS

When you complete a form online, RankOcean Inc. has programs in place to protect the information provided. The information you supply is encrypted and then decoded to begin processing when it arrives at RankOcean Inc..

SECURITY

RankOcean Inc. considers protecting your personal and confidential information very important and takes various precautions to protect this information, no matter how the information is initially received. We use industry-recognized safeguards, including encryption, to secure and protect your personal information. Further information regarding RankOcean’s security policies and procedures is available upon request by contacting customer service at 1-773-554-3817.

DISCLAIMER

You understand and agree that your use of the RankOcean website is entirely at your own risk. RankOcean Inc. is not responsible for the actions or content of users or third parties. RankOcean Inc. does not promise any specific results from the use of the RankOcean website or related to a user’s attempt to obtain a loan. The RankOcean website may be temporarily unavailable from time to time. RankOcean Inc. reserves the right to deny you access to or use of the RankOcean website. RankOcean Inc. is not responsible for any loss or damages that result from use of the RankOcean website or the services offered by the RankOcean website.

EXTERNAL CONTENT

The RankOcean website may include links to third-party content, advertising or websites. Unless otherwise stated, RankOcean Inc. does not investigate or monitor these websites, is not responsible for these websites, and does not endorse or otherwise provide any warranties or representations related to these websites. You acknowledge and agree that RankOcean Inc. and the RankOcean website are not responsible for and do not endorse any advertising, products or resources available from such outside resources or websites. These external sites are not subject to the RankOcean Inc. Terms of Use nor to the Privacy Notice. If you decide to leave the RankOcean website and access third party websites or content, you do so at your own risk, without any liability to RankOcean.

USER REPRESENTATIONS

You represent, warrant and agree that you will not:

Submit any materials through your account or otherwise that violate or infringe on the rights of any third party;
Use the RankOcean website to upload, post, email, transmit, or otherwise make available any unsolicited or unauthorized advertising, promotional materials, “junk mail,” “spam,” “chain letters,” “pyramid schemes” or any other form of commercial or non-commercial solicitation or bulk communications of any kind to any RankOcean website user or third party.
Use the RankOcean website in any unlawful manner or in such a way that it could damage, disable, overburden or impair the RankOcean website;
Register for more than one user account, except where authorized by RankOcean Inc.;
Register for a user account on behalf of someone other than yourself, including a group or entity, except where authorized by RankOcean Inc.;
Operate a user account for someone who is not eligible for a user account, except where authorized by RankOcean Inc.;
Impersonate someone else or falsely represent any information about yourself; or
Use or attempt to use someone else’s account without authorization from the account user and not otherwise violate the provisions of the Account Security stipulations below.
If RankOcean Inc. finds that you are in violation of the User Representations and/or Terms of Use Policy, RankOcean Inc. reserves the right to suspend or terminate your use of the RankOcean website. If your use of the RankOcean website is terminated or suspended, you acknowledge that termination or suspension of your RankOcean website privileges does not cancel payments or outstanding obligations. Further, you agree that you will remain responsible for all transactions initiated through the RankOcean website prior to the suspension and/or termination and any fees incurred indat connection with the services provided by RankOcean Inc..

CONTACT INFORMATION

You must keep us informed of any change in your contact information, including email address, mailing address and phone number, so that you can receive all information from us in a timely manner.

ELECTRONIC TRANSACTIONS

It is your decision to do business with us electronically. Accordingly, it is necessary for you to consent to transact business with us electronically and online. You will be provided with an electronic transaction consent form if you create an account and pursue a loan with RankOcean Inc.. This consent form will obtain your consent to participate in standard electronic transactions, including receiving electronic documents and disclosures instead of paper documents, and providing authorization through the use of electronic signatures. If at any time you withdraw your consent to transact business electronically, your withdrawal may impact your ability to transact business with RankOcean Inc.. If you withdraw your consent to receive disclosures and information electronically while your loan request is still pending, RankOcean Inc. will terminate your loan request and will no longer consider your loan application. If you withdraw your consent to receive disclosures and information electronically after you have entered into a loan agreement or your use of the RankOcean website is otherwise terminated or suspended, then all other terms and conditions will remain the same, and RankOcean Inc. will mail disclosures and any other required information to the most recent home address you have provided. You may withdraw your consent to transact business electronically by sending a written statement indicating the effective date of your withdrawal and the updated address to which you wish to receive further communications to: RankOcean Inc., 429 North Weber Road, Suite 281 Romeoville, 60446 IL

ACCOUNT SECURITY

As a user of the RankOcean website, you agree to: (1) provide truthful, accurate, current, and complete information as requested during the registration and lending process and promptly update any information that changes; (2) keep your account information, including your password, secure; and (3) take full responsibility for your account and proper usage of both your account and the RankOcean website. RankOcean Inc. assumes no responsibility for unauthorized access by a third party to your user account, and considers all access attempts using the correct username and password, by the named user or by someone authorized by the named user to access the account, to be valid. Such authorized access by a third party includes providing to the third party information about your account intended to be secure and sufficient to access the account. If you believe that there is an error with regard to your account services or believe that your account is no longer secure, you may contact Customer Service at 1-773-554-3817.

GOVERNING LAW

By visiting and/or using the RankOcean website, you agree that the laws of the State of Georgia will govern the Terms of Use Policy and terms therein. If you obtain a loan from RankOcean Inc., you agree that the loan will be governed by federal laws and other laws as stated in the loan documents.

LIMITATION OF LIABILITY

RankOcean Inc. is not liable for any damages, losses, or expenses arising from the use of or inability to use the RankOcean website or any reliance on any information contained herein. Further, RankOcean Inc. is not liable for any losses caused by or resulting from malicious software or codes, viruses, system failure, interruption, defect, delay in operation or transmission of the RankOcean website, or remote access of computer equipment by third parties. RankOcean Inc. is not responsible for any losses or damages incurred as a result of inaccurate information provided or any charges imposed by another financial institution in connection with RankOcean Inc.’s performance of any electronic service or transaction or collection of payment.

INDEMNIFICATION

You agree to indemnify and hold harmless RankOcean from and against any and all claims, losses, expenses, demands or liabilities, including attorneys’ fees and costs, incurred by RankOcean in connection with any claim by a third party (including any intellectual property claim) arising out of (i) materials and content you submit to, post to or transmit through the RankOcean website, or (ii) your use of the RankOcean website in violation of this Terms of Use Policy or in violation of any applicable law. You further agree that you will cooperate fully in the defense of any such claims. RankOcean reserves the right, at its own expense, to assume the exclusive defense and control of any matter otherwise subject to indemnification by you, and you shall not in any event settle any such claim or matter without the written consent of RankOcean. You further agree to indemnify and hold harmless RankOcean from any claim arising from a third party’s use of information or materials of any kind that you post to the RankOcean website.

NON-WAIVER

RankOcean Inc.’s failure to enforce any provisions of the Terms of Use Policy shall not be considered a waiver of such provision.

SEVERABILITY

If any provision of the Terms of Use Policy is found to be invalid or unenforceable, the remaining provisions will remain in full force and effect.

MARRIED APPLICANTS

California law requires us to provide the following disclosure to all applicants: A married applicant may apply for a separate account.

ONLINE TRACKING DISCLOSURE

RankOcean itself does not store user data in cookies. As RankOcean does not use tracking cookies, the RankOcean website does not respond to a browser’s Do Not Track signal or other such mechanisms. RankOcean’s website is operated by RankOcean itself, and third parties do not participate or have access to its content. RankOcean’s website may automatically store generic, non- person specific information, relating to the number of visitors to the website, geographic locations, and other generalized information for internal website performance purposes. If you leave RankOcean’s website to access a third party, said third party may have a different policy or procedures and you should familiarize yourself with them. If you apply for a loan, RankOcean will electronically store the personal information you provide and in the underwriting process may seek to identify the IP address from which you are applying for the loan. How RankOcean uses and how your information might be shared with third parties and your options in relation thereto are more fully set forth in the Privacy Notice contained on this website and can be viewed by clicking on the following link: Privacy Notice. In addition to using personal information to respond to or fulfill a loan request, RankOcean uses said information for multiple purposes including, but not limited to, analyzing and enhancing web, products and marketing aspects. For more information relating to RankOcean’s privacy policies and practices, please call 844-275-2007, Option 6 for Customer Service, send an email to customerservice@RankOcean.com, or send a letter to RankOcean, Inc., Attn: Customer Service, 429 North Weber Road, Suite 281 Romeoville, 60446 IL.

DEBIT CARD PAYMENT REFUND POLICY

RankOcean accepts debit card payments on its loans. A customer may make a loan payment via a debit card and the money received will be credited to the customer’s loan account. RankOcean does not offer refunds on debit card payment transactions that have been completed and applied to a loan account.

CONTACT

Please contact RankOcean Inc. for additional information at: Phone at 1-773-554-3817, mail to address 429 North Weber Road, Suite 281 Romeoville, 60446 IL, or via email to info@RankOcean.com