Arbitration Agreement

Complete Loan Funding – Arbitration Agreement

This Arbitration Agreement (“Agreement”) governs how any disputes between you (“you” or “the user”) and Complete Loan Funding, LLC (“Complete Loan Funding,” “we,” “our,” or “us”) will be resolved. By using this website or any of our services, you agree to settle disputes through individual arbitration as outlined below.

This Agreement is governed by the Federal Arbitration Act (9 U.S.C. §§ 1–16), and applies to transactions involving interstate commerce. It supersedes any conflicting state law to the extent permitted by law.

  1. Scope of Covered Claims

This Agreement applies to any legal claim, dispute, or controversy (“Claim”) that arises out of or is related to:

  • Your use of our website or services
  • Communications or interactions between you and us
  • Any marketing, offers, or promotions
  • The interpretation or enforcement of this Agreement

This includes claims based in contract, statute, fraud, misrepresentation, tort, or any other legal theory, whether arising before, during, or after your relationship with us.

Filing Deadline: Any Claim must be submitted within one (1) year from the date the dispute arises, unless applicable law prohibits such a limitation. Otherwise, the Claim will be permanently barred.

  1. Attempt at Informal Resolution

Before initiating arbitration or filing a lawsuit, the party bringing the Claim must provide written notice describing the dispute and relevant facts in reasonable detail. This notice must be sent by mail to:

Complete Loan Funding
415 N Benton Ave. Helena, MT 59601, USA

Please include your name, mailing address, phone number, and a clear explanation of the issue. We will respond to such notices at the most recent physical address you provided to us. Both parties agree to make a good faith effort to resolve the issue informally within 30 days of receipt of the notice.

  1. Individual Arbitration Requirement

If a resolution cannot be reached through informal means, the Claim must be resolved exclusively through binding individual arbitration administered by the American Arbitration Association (AAA) under its Consumer Arbitration Rules.

  • The arbitration will be conducted in the county where you live unless otherwise agreed.
  • The arbitrator will have the authority to award the same types of relief a court could, including monetary, declaratory, or injunctive relief.
  • The arbitrator’s decision will be final and may be enforced in any court with jurisdiction.
  1. Waiver of Class and Representative Actions

You and Complete Loan Funding each agree that:

  • Any arbitration or lawsuit must be pursued individually.
  • Class actions, mass actions, and representative claims are not permitted.
  • The arbitrator may not consolidate the claims of multiple parties or preside over any form of representative or collective proceeding.
  1. Right to Opt Out

You have the right to opt out of this Arbitration Agreement. To do so, you must send a written opt-out notice by Certified U.S. Mail (Return Receipt Requested) within 60 days of accepting this Agreement. The notice must include:

  • Your full name and mailing address
  • A clear statement that you are choosing to opt out of the Arbitration Agreement
  • Your signature

Mail your opt-out notice to:

Complete Loan Funding
info@completeloanfunding.com

Notices sent by email, phone, or any method other than certified mail with return receipt will not be accepted. If you do not follow these instructions exactly, your opt-out will be invalid and this Arbitration Agreement will remain in effect.

  1. Waiver of Court and Jury Rights

Unless you submit a valid opt-out notice:

  • You waive your right to file a lawsuit in court (except in small claims court where allowed).
  • You waive your right to a trial by jury.
  • You waive the ability to participate in class actions or other representative proceedings.
  1. Small Claims Court Exception

Claims within the jurisdictional limits of small claims court may be brought in such court instead of arbitration. However, if the case is removed, appealed, or transferred to a different court, either party may elect to proceed with arbitration.

  1. Fees and Costs

Complete Loan Funding will pay any filing, administrative, or arbitrator fees required by the AAA for individual arbitration. Each party is responsible for its own legal fees unless a statute entitles you to recover those costs, in which case that statute will apply.

  1. Military Lending Act Exception

If you are a covered borrower under the Military Lending Act, this Arbitration Agreement does not apply to you. Nothing in this Agreement limits your rights under any applicable federal or state law.

  1. Survival and Severability

This Arbitration Agreement will survive the following:

  • Termination or expiration of any relationship with Complete Loan Funding
  • Bankruptcy or insolvency by either party
  • Transfer or sale of your account
  • Closure of any services or offerings

If any part of this Agreement is found to be unenforceable, the rest will remain in effect. However, if a court finds that the class action waiver is unenforceable, then the entire Arbitration Agreement (except for this sentence) will be null and void in that specific proceeding.

  1. Contact Us

For questions or to initiate a dispute, contact:

Complete Loan Funding
415 N Benton Ave. Helena, MT 59601, USA
Phone: 1-800-203-4416

 

© Complete Loan Funding. All rights reserved.
Address: 415 N Benton Ave. Helena, MT 59601, USA.
 

*Our service offers smart loan solutions and financial resolution solutions. Approval for loans depends on factors like age, credit history, income, loan-to-income ratio, and collateral. Interest rates range from 5.25%-29.99% APR with terms from 12-84 months. No upfront fees are charged for financial resolution, which can reduce loans by 50% before fees and 65%-75% including fees. Fees, ranging from 15-25%, are deferred through zero-interest credit until services are completed. These services may initially impact credit ratings but can improve them over time. Loan forgiveness may be taxable. Services may not be available in all states, and fees may vary by state. Read and understand all agreements before proceeding.