PRIVACY & SECURITY

(Updated February 2015)

LA-Finance is strongly committed to protecting your privacy and offering the highest quality experience to all visitors of www.la-finance.com (the "Website"). By using the Website, you agree to the terms of this Privacy Policy. Because we gather certain types of information about and from you, we believe it is important that you understand our collection and use of this information. This Privacy Policy discloses what information we gather, how we use it, how to correct or change it, and what steps we take to safeguard personal information provided to us online. Please read the complete Privacy Policy below, as well as our Terms of Use, and contact us if you have any questions. By visiting the Website you are accepting the practices described in this Privacy Policy and the separately-posted Terms of Use. This Privacy Policy applies only to information that you provide to LA-Finance through this Website.

1. Our Commitment to Privacy

Your privacy is important to us. To better protect your privacy we provide this notice explaining our online information practices and the choices you can make about the way your information is collected and used. To make this notice easy to find, we make it available on our homepage and at every point where personally identifiable information may be requested.

2. The Information We Collect

This notice applies to all information collected or submitted on the LA-Finance web site. The types of personal information we collect at these pages are information typically necessary to evaluate your credit or to send you our marketing material. Examples include (but are not limited to) address, telephone numbers, e-mail address, social security and driver's license numbers, and employment information, including occupation and income.

3. The Way We Use Information

We use the information you provide about yourself when applying for credit to communicate with you, and to determine whether we can offer you credit, and how much. Even if we indicate you have been approved for credit, we do not finalize your credit application or open an account for you online - in order to complete an application and open an account, you must visit us at one of our stores. We may share this information with affiliates. We do not share this information with outside parties, except to the extent necessary to process your request for credit (for example, when we contact credit rating agencies).

We use e-mail addresses to answer requests and e-mails we receive, and to send marketing and other information about us. Such addresses may be shared with affiliates, but are not shared with outside parties.

We use non-identifying and aggregate information to better design our web site and to share with advertisers. For example, we may tell an advertiser that X number of individuals visited a certain area on our web site, or that Y number of men and Z number of women filled out our registration form, but we would not disclose anything that could be used to identify those individuals.

Finally, we do not use or share the personally-identifiable information provided to us online in ways unrelated to those described above. Marketing e-mails sent by us and our affiliates include a link that provides you an opportunity to opt out of receiving such e-mails.

Important Note: We reserve the right to use or disclose any information without notice or consent for the following purposes: as needed to satisfy any law, regulation or legal request; to conduct or cooperate with investigations of consumer complaints, possible breaches of law or other legal investigations; to protect the integrity of our Website and our property; to protect the safety of our visitors or others; to fulfill your requests.

4. Our Commitment to Data Security

To prevent unauthorized access, maintain data accuracy, and ensure the correct use of information, we have put in place appropriate physical, electronic, and managerial procedures to safeguard and secure the information we collect online.

We use Secure Sockets Layer (SSL) technology to encrypt important information in an effort to prevent unauthorized access during transmission of information over the Internet. We incorporate standard industry practices internally and with our service providers, which we believe suit the degree of sensitivity of the information involved, in order to maintain the security of your personal information and to avoid its disclosure except as described in this Privacy Policy.

Although we have implemented systems and procedures to secure the data maintained by us, security during Internet transmissions can never be assured. Our policy is to limit access to personal data to those Company agents with a specific need to access or retrieve this information. To maintain security, we conduct internal reviews of our security measures on a regular basis. Remember, however, that any personal information you post in chat rooms or on message boards is available to anyone.

5. Third-Party Advertising

Advertisements appearing on our Website may be delivered to users by us or one of our advertising partners. Our advertising partners may set cookies. These cookies allow the ad server to recognize your computer each time they send you an online advertisement. In this way, ad servers may compile information about where you, or others who are using your computer, saw their advertisements and determine which ads are clicked on. This information allows an ad network to deliver targeted advertisements that they believe will be of most interest to you. This Privacy Policy covers the use of cookies by us and does not cover the use of cookies by any advertisers.

6. Our Commitment to Children's Privacy

Protecting the privacy of the very young is especially important. For that reason, we never collect or maintain information at our web site from those we actually know are under 13, and no part of our web site is structured to attract anyone under 13.

7. How You Can Access or Correct Your Information

You can access all your personally-identifiable information that we collect online and maintain by registering at www.la-finance.com. Registration requires that you provide your identifying information, in order to confirm your identity, and create a password in order to establish your online access. We use this procedure to better safeguard your information.

You can correct factual errors in your personally-identifiable information by sending us a written request that credibly shows the error to LA-Finance, Attention: Legal Dept., 700 S. Main Street, Los Angeles, CA 90014. To protect your privacy and security, we will also take reasonable steps to verify your identity before granting online access to your personally-identifiable information, and before we make corrections to such information.

8. How to Contact Us

Should you have other questions or concerns about these privacy policies, please call us at (213) 279-2932 or send us an e-mail by using the "Contact Us" link at www.la-finance.com.

9. Changes to Privacy Policy

We will occasionally update this Privacy Policy as necessary to protect our users and to comply with a changing environment. We recommend that you check the Privacy Policy when you visit our Website to be sure that you are aware of and understand our current policy. If we make material changes to this policy, or in how we use or collect your personally identifiable information, we will prominently post such changes prior to implementing the change. We will not make any retroactive material changes in how we handle previously collected personal information unless you allow us to do so, or unless we are legally required to do so, and in such a case we will e-mail registered Website visitors information on material changes to this Privacy Policy.

10. Changes in Corporate Structure

In developing our business, we may engage in the sale of certain assets and the company itself (or parts of it) may be sold, merged or otherwise transferred. When such transactions and changes in ownership occur, user information, whether personally identifiable or otherwise, may constitute one of the transferred assets. LA-Finance will notify affected users in accordance with the procedure for changing this Privacy Policy described above.

11. California Privacy Rights Notice

Under California Civil Code sections 1798.83-1798.84, California residents are entitled to ask us for a notice describing what categories of personal information we share with third parties or corporate affiliates for their direct marketing purposes. That notice will identify the categories of information shared and will include a list of the third parties and affiliates with which it was shared, along with their names and addresses. If you are a California resident and would like a copy of this notice, please submit a written request to the following address: LA-Finance, Attention: Legal Dept., 700 S. Main Street, Los Angeles, CA 90014. In your request, please specify that you want "Your California Privacy Rights Notice." Please allow at least 21 days for a response.

12. Conditions of Use

If you choose to visit our Website, your visit and any dispute over privacy is subject to this Privacy Policy and our Terms of Use, including limitations on damages, resolution of disputes, and application of the laws of the State of California. If you have any concern about privacy at our Website, please contact us with a thorough description and we will try to resolve it.

13. Contact Information

If you have questions or concerns about LA-Finance' application of this Privacy Policy, or if you would like to inform LA-Finance about changes in your personal information (such as your address), you may e-mail us using the "Contact Us" link at www.la-finance.com.




Terms and Conditions of Use

Updated June 2014

The website located at www.la-finance.com ("Website") is the property of LA-Finance. Access to the Website is subject to the following terms and conditions of use (these "Terms of Use"), which incorporate the separately-posted Privacy Policy. PLEASE READ THESE TERMS OF USE CAREFULLY BEFORE USING THE WEBSITE. By using the Website, you signify your agreement to these Terms of Use. If you do not agree to these Terms of Use, you may not use the Website. In addition, when you use any of our current or future services, you will also be subject to our guidelines, terms, conditions and agreements applicable to those services. If these Terms of Use are inconsistent with the guidelines, terms and agreements applicable to those services, these Terms of Use will control. If you are using the Website on behalf of your employer, you represent that you are authorized to accept these Terms of Use on your employer's behalf.

1. Consideration

You agree that these Terms of Use are supported by reasonable and valuable consideration, the receipt and adequacy of which you hereby acknowledge, including, without limitation, your access to and use of the Website and data, materials and information available at or through the Website.

2. Restrictions on Use; Limited License

All content contained on the Website (collectively, "Content"), such as text, graphics, logos, icons, images, audio and video clips, digital downloads, data compilations, and software, is our property or the property of our licensors or licensees, and the compilation of the Content on the Website is our exclusive property, protected by United States and international copyright laws, treaties and conventions. All software used on the Website is our property or the property of our software suppliers and protected by United States and international copyright laws, treaties and conventions.

Any trademarks, service marks, graphics, logos, page headers, icons, scripts and trade names (each, a "Mark") contained on the Website are proprietary to us or our licensors or licensees. Our Marks may not be used in connection with any product or service that is not ours in any manner that is likely to cause confusion among users or that disparages or discredits us or anyone else. All other Marks not owned by us that appear on the Website are the property of their respective owners, who may or may not be affiliated with, connected to, or sponsored by us.

We grant you a limited license to access and make personal use of the Website. No Content of the Website or any other Internet site owned, operated, licensed, or controlled by us may be copied, reproduced, republished, downloaded (other than page caching), uploaded, posted, transmitted or distributed in any way, or sold, resold, visited, or otherwise exploited for any commercial purpose, except that you may download one (1) copy of the Content that we make available to you for such purposes on a single computer for your personal, noncommercial, home use only, provided that you: (a) keep intact all copyright, trademark and other proprietary rights notices; (b) do not modify any of the Content; (c) do not use any Content in a manner that suggests an association with any of our products, services or brands; and (d) do not download Content so as to avoid future downloads from the Website. Your use of Content on any other website or computer environment is strictly prohibited.

The license granted to you does not include, and specifically excludes, any rights to: resell or make any commercial use of the Website or any Content; collect and use any product listings, descriptions, or prices; make any derivative use of the Website or Content; download or copy account information for the benefit of anyone else; or use any form of data mining, robots, or similar data gathering and extraction tools. You may not frame, or utilize framing techniques to enclose, any Mark, Content or other proprietary information, or use any meta tags or any other "hidden text" utilizing any such intellectual property, without our and each applicable owner's express written consent. Any unauthorized use automatically terminates the license granted to you hereunder. You are granted a limited, revocable, and non-exclusive right to create a hyperlink only to our home page provided that the link does not portray us or our licensors or licensees, or their respective products or services, in a false, misleading, derogatory, or otherwise offensive matter. You may not use any of our or any such party's intellectual property as part of the link without our and each such party's express written consent.

3. Links

You should be aware that when you visit the Website, you could be directed to other sites beyond our control, including links to or from affiliates and content partners that may use our Marks as part of an affiliate relationship ("Third Party Sites"). LA-Finance does not operate or control any of the Third Party Sites, and is not responsible or liable for any content, functionality, accessibility, information, products, services or other materials on or available from them. LA-Finance provides these links without warranties or representations of any kind, whether express or implied, and does not in any way endorse the Third Party Sites, or any products or services described or provided therein. When you click on a link that directs you away from the Website, the site to which you are directed may not be controlled by us and different terms of use and privacy policies may apply which you should carefully read and evaluate. You acknowledge that we are not responsible for examining or evaluating, and that we do not warrant the offerings of, any such third-party or the content of their sites. We do not assume any responsibility or liability for the actions, products, or content of any third party or any third-party site. We reserve the right to disable links from or to third-party sites, although we are under no obligation to do so.

4. Website Content; Modification to Terms of Use

The information and materials posted on the Website may contain errors, omissions, or typographical errors or may be out of date. LA-Finance reserves the right at any time and from time to time to modify or discontinue, temporarily or permanently, the Website (or any part thereof), with or without notice. LA-Finance shall also have right at any time and without prior notice, in our sole discretion, to revise these Terms of Use or to impose new terms and conditions with respect to access to or use of the Website. Such modifications shall be effective immediately upon posting or other notice thereof. Your access or use of the Website after notice of any such modifications shall constitute and be deemed your agreement to be bound by such modifications.

5. Users

Access to, and use of, the services offered by LA-Finance through the Website is limited to Users, and certain sections of the Website may be accessible only by clients of LA-Finance (each a "Client"). Each Client hereby represents and warrants that each User is a duly authorized representative of such Client, can form legally-binding contracts under applicable law, and will comply with the provisions of these Terms of Use. A Client shall notify LA-Finance immediately upon: (i) the removal of authorization of such User to use the Website on behalf of the Client, or (ii) the use of the Website by any User which is unlawful, improper, or in violation of these Terms of Use.

LA-Finance, in its sole discretion, may refuse to permit a Client or User to use the Website and/or limit a Client's or any User's use of the Website in the event that LA-Finance believes that the Client or User is in breach of one or more of the terms of these Terms of Use.

LA-Finance may, in its sole discretion, assign a password and account ID to you so you can access certain areas of the Website to, among other things, submit personal information. Each User who uses such assigned password and ID shall be deemed to be authorized by you to access and use the Website, and LA-Finance shall have no obligation to investigate the authorization or source of any such access or use. YOU ACKNOWLEDGE AND AGREE THAT AS BETWEEN YOU AND LA-Finance, YOU WILL BE SOLELY RESPONSIBLE FOR ALL ACCESS TO AND USE OF THE WEBSITE BY ANYONE USING THE PASSWORD AND ID ASSIGNED TO YOU, WHETHER OR NOT SUCH ACCESS TO AND USE OF THE WEBSITE IS ACTUALLY AUTHORIZED BY YOU, INCLUDING ALL COMMUNICATIONS AND TRANSMISSIONS AND ALL OBLIGATIONS THAT MAY RESULT FROM SUCH ACCESS OR USE.

6. Transaction Fees

Client agrees to pay all fees that may be applicable to such Client's use of the Website as are set forth in any other applicable agreements between Client and LA-Finance.

7. Access to the Website

Use of certain areas of the Website requires Internet access, Internet browser software or other software (the "Software"). LA-Finance may, at any time and from time to time, in its sole discretion, modify, revise, or otherwise change the system requirements for the Website and the format of any downloadable content, in whole or in part, without notice or liability to you. Internet access or use of the Software may result in fees in addition to any fees incurred on the Website. Software may require you to obtain updates or upgrades from time to time. Your ability to use the Website may be affected by the performance of the Software or your Internet connection. You acknowledge and agree that it is your sole responsibility to comply with the system requirements of your Software, as in effect from time to time, and to maintain, update, and upgrade your Software, including the payment of all Internet access and Software fees without recourse to LA-Finance.

8. Website Availability

While LA-Finance objective is to make the Website accessible as much as possible, the Website may be unavailable from time to time for any reason whatsoever, including, without limitation, for routine maintenance. Access to the Website may be interrupted, suspended or terminated from time to time without notice. Client agrees that LA-Finance shall not be liable for any damages arising from any such interruption, suspension or termination of the Website and that Client shall put in place contingency plans to account for such periodic interruptions or suspensions of the Website.

9. Appropriate Activities

You shall comply with all applicable local, state, federal, and international laws, statutes, rules and regulations in connection with using the Website. You shall not tamper in any way with the software or functionality of the Website. Without limiting the foregoing, you agree that you shall not place any material onto the Website which contains any viruses, malicious code, time bombs, Trojan horses, worms, or other devices that may damage, interfere with, intercept or expropriate any system, data or information contained in or encompassing the Website. You shall maintain the confidentiality of non-public information you may receive from the Website and may not share any such information with any third party except as required by law or authorized in writing by LA-Finance. You shall not take any action, or omit to take any reasonable action, which would constitute an invasion of privacy of any individual or entity in any applicable jurisdiction. Use or distribution of tools designed for compromising privacy or security is strictly prohibited. You agree not to manipulate the price of any assets or services offered on the Website, including, but not limited to, the use of shills, aliases, or decoys.

10. DISCLAIMER OF WARRANTIES

THE CONTENT ON THE WEBSITE IS PROVIDED "AS IS" AND WITHOUT WARRANTY OF ANY KIND, EXPRESSED OR IMPLIED. TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, WE DISCLAIM ANY AND ALL WARRANTIES, EXPRESSED OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE AND NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE FUNCTIONS CONTAINED IN ANY CONTENT (INCLUDING, WITHOUT LIMITATION, USER-GENERATED CONTENT) WILL BE UNINTERRUPTED OR ERROR-FREE, THAT DEFECTS WILL BE CORRECTED, OR THAT THE WEBSITE OR THE SERVERS THAT MAKE SUCH CONTENT AVAILABLE ARE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS AND YOU ASSUME THE ENTIRE COST OF ALL NECESSARY SERVICING, REPAIR OR CORRECTION OF ANY OF YOUR EQUIPMENT OR SOFTWARE. WE MAKE NO REPRESENTATIONS OR WARRANTIES REGARDING USE, OR THE RESULTS OF USE, OF ANY CONTENT, PRODUCT OR SERVICE CONTAINED ON OR OFFERED, MADE AVAILABLE THROUGH, OR OTHERWISE RELATED IN ANY WAY TO THE WEBSITE, INCLUDING, WITHOUT LIMITATION, ANY THIRD PARTY SITE OR SERVICE LINKED TO OR FROM THE WEBSITE (AND SPECIFICALLY, NO REPRESENTATION OR WARRANTY OF CORRECTNESS, ACCURACY, COMPLETENESS, RELIABILITY OR SAFETY).

WE EXPLICITLY DISCLAIM ANY RESPONSIBILITY FOR THE ACCURACY, COMPLETENESS, RELIABILITY, SAFETY OR AVAILABILITY OF INFORMATION, CONTENT AND MATERIALS FOUND ON SITES THAT LINK TO OR FROM THE WEBSITE. WE CANNOT ENSURE THAT YOU WILL BE SATISFIED WITH ANY PRODUCT OR SERVICE THAT YOU PURCHASE FROM A THIRD PARTY WEBSITE THAT LINKS TO OR FROM THE WEBSITE OR THIRD PARTY INFORMATION, CONTENT OR MATERIALS CONTAINED ON OUR WEBSITE. WE DO NOT ENDORSE ANY OF THE CONTENT, NOR HAVE WE TAKEN ANY STEPS TO CONFIRM THE ACCURACY, COMPLETENESS OR RELIABILITY OF ANY OF THE INFORMATION, CONTENT OR MATERIALS CONTAINED ON ANY THIRD PARTY WEBSITE. WE DO NOT MAKE ANY REPRESENTATIONS OR WARRANTIES AS TO THE SECURITY OF ANY INFORMATION, CONTENT OR MATERIALS (INCLUDING, WITHOUT LIMITATION, CREDIT CARD AND OTHER PERSONAL INFORMATION) YOU MIGHT BE REQUESTED TO GIVE TO ANY THIRD PARTY. YOU HEREBY IRREVOCABLY AND UNCONDITIONALLY WAIVE ANY AND ALL CLAIMS AGAINST US WITH RESPECT TO INFORMATION, CONTENT AND MATERIALS CONTAINED ON THE WEBSITE (INCLUDING, WITHOUT LIMITATION, USER-GENERATED CONTENT) AND THIRD PARTY SITES, AND ANY INFORMATION, CONTENT AND MATERIALS YOU PROVIDE TO OR THROUGH ANY SUCH THIRD PARTY SITES (INCLUDING, WITHOUT LIMITATION, CREDIT CARD AND OTHER PERSONAL INFORMATION). WE STRONGLY ENCOURAGE YOU TO MAKE WHATEVER INVESTIGATION YOU FEEL NECESSARY OR APPROPRIATE BEFORE PROCEEDING WITH ANY ONLINE OR OFFLINE TRANSACTION WITH ANY THIRD PARTY.

YOU ACKNOWLEDGE THAT YOU HAVE CAREFULLY READ THIS "WAIVER AND RELEASE" AND FULLY UNDERSTAND THAT IT IS A RELEASE OF LIABILITY. YOU EXPRESSLY AGREE TO RELEASE AND DISCHARGE ALL INDEMNIFIED PARTIES (AS DEFINED BELOW) FROM ANY AND ALL CLAIMS OR CAUSES OF ACTION AND YOU AGREE TO VOLUNTARILY GIVE UP AND IRREVOCABLY WAIVE AND RELEASE ANY RIGHT THAT YOU MAY OTHERWISE HAVE TO BRING A LEGAL ACTION AGAINST ANY INDEMNIFIED PARTY FOR PERSONAL INJURY OR PROPERTY DAMAGE.

CERTAIN STATE LAWS DO NOT ALLOW LIMITATIONS ON IMPLIED WARRANTIES OR THE EXCLUSION OR LIMITATION OF CERTAIN DAMAGES. IF THESE LAWS APPLY TO YOU, SOME OR ALL OF THE FOREGOING DISCLAIMERS, EXCLUSIONS OR LIMITATIONS MAY NOT APPLY TO YOU, AND YOU MIGHT HAVE ADDITIONAL RIGHTS.

11. INDEMNIFICATION

You hereby agree to indemnify, defend, and hold us, and our licensors, licensees, successors, distributors, agents, representatives and other authorized users, and each of their respective officers, directors, owners, managers, members, employees, agents, representatives and assigns (collectively, the "Indemnified Parties"), harmless from and against any and all loss, cost, damage, liability and expense (including, without limitation, settlement costs and legal or other fees and expenses) suffered or incurred by any of the Indemnified Parties arising out of, in connection with or related to any breach or alleged breach by you of these Terms of Use. You shall use your best efforts to cooperate with us in the defense of any claim. We reserve the right, at our own expense, to employ separate counsel and assume the exclusive defense and control of the settlement and disposition of any claim that is subject to indemnification by you.

12. LIMITATION OF LIABILITY

UNDER NO CIRCUMSTANCES (INCLUDING NEGLIGENCE) SHALL WE BE LIABLE TO YOU OR ANYONE ELSE FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL OR CONSEQUENTIAL DAMAGES (INCLUDING LOST PROFITS), PERSONAL INJURY (INCLUDING DEATH) OR PROPERTY DAMAGE OF ANY KIND OR NATURE WHATSOEVER THAT ARISE OUT OF OR RESULT FROM: (A) THE USE OF, OR ANY INABILITY TO USE, THE WEBSITE OR ANY CONTENT OR FUNCTIONS THEREOF; OR (B) ANY ACT OR OMISSION, ONLINE OR OFFLINE, OF ANY USER OF THE WEBSITE OR ANYONE ELSE, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. IN NO EVENT SHALL OUR TOTAL LIABILITY TO YOU FOR ALL LOSS, COST, DAMAGE, LIABILITY OR EXPENSE (INCLUDING ATTORNEYS FEES AND COSTS) THAT YOU MAY SUFFER OR INCUR, UNDER ANY THEORY OF LIABILITY, IN CONTRACT, TORT (INCLUDING, BUT NOT LIMITED TO, NEGLIGENCE) OR OTHERWISE, EXCEED THE LESSER OF THE AMOUNT PAID BY YOU, IF ANY, FOR THE RIGHT TO ACCESS OR PARTICIPATE IN ANY SERVICES RELATED TO THE WEBSITE OR $100.00.

UNDER NO CIRCUMSTANCES SHALL WE OR ANY OF THE INDEMNIFIED PARTIES BE LIABLE FOR ANY DELAY OR FAILURE IN PERFORMANCE RESULTING, DIRECTLY OR INDIRECTLY, FROM ANY EVENT OF FORCE MAJEURE OR OTHER CAUSE BEYOND OUR OR THEIR CONTROL, INCLUDING, WITHOUT LIMITATION, ACTS OF GOD, WAR, EQUIPMENT AND TECHNICAL FAILURES, ELECTRICAL POWER FAILURES OR FLUCTUATIONS, STRIKES, LABOR DISPUTES, RIOTS, CIVIL DISTURBANCES, SHORTAGES OF LABOR OR MATERIALS, NATURAL DISASTERS, GOVERNMENTAL ACTIONS, ORDERS OF DOMESTIC OR FOREIGN COURTS OR TRIBUNALS, OR NON-PERFORMANCE OF THIRD PARTIES. NEITHER WE NOR ANY OTHER INDEMNIFIED PARTY IS RESPONSIBLE OR LIABLE FOR: (A) ANY INCOMPATIBILITY BETWEEN THE WEBSITE AND ANY SITE, SERVICE, SOFTWARE OR HARDWARE; OR (B) ANY DELAY OR FAILURE YOU MAY EXPERIENCE WITH ANY TRANSMISSION OR TRANSACTION RELATED TO THE WEBSITE.

THE LIMITATIONS, EXCLUSIONS AND DISCLAIMERS HEREIN AND ELSEWHERE IN THESE TERMS OF USE APPLY TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW. APPLICABLE LAW MAY NOT ALLOW CERTAIN OF THE EXCLUSIONS, LIMITATIONS, OR DISCLAIMERS OF LIABILITY SET FORTH IN THESE TERMS OF USE, SO SUCH EXCLUSIONS, LIMITATIONS OR DISCLAIMERS MAY NOT APPLY TO YOU.

13. Termination

These Terms of Use are effective until terminated by either you or us. You may terminate these Terms of Use prospectively at any time by discontinuing your access to and use of the Website and destroying all materials obtained from the Website and all related documentation and all copies and installations thereof, whether made under these Terms of Use or otherwise. If you terminate these Terms of Use, you shall notify us by sending notice of such termination by certified United States mail, postage pre-paid to: LA-Finance, Attn.: Webmaster, 700 S. Main Street, Los Angeles, CA 90014.

We may terminate these Terms of Use (including your access to and use of the Website) without cause and without notice to you, in our sole discretion. Upon termination, you must cease any access to or use of the Website and destroy all materials obtained from the Website and all related documentation and all copies and installations thereof, whether made under these Terms of Use or otherwise. The provisions of these Terms of Use, which by their nature should survive the termination of these Terms of Use, shall survive such termination.

14. General

These Terms of Use constitute the entire agreement of the parties with respect to the subject matter hereof, and supersede all previous written or oral agreements between the parties with respect to such subject matter. These Terms of Use shall be construed and enforced in accordance with the laws of the State of California, without regard to its choice of law principles. Sole and exclusive jurisdiction for any action or proceeding arising out of, or related to, this agreement or use of the Website shall be in the state or federal courts located in Los Angeles County, California.

15. Copyright Complaints

We respect the intellectual property rights of others. If you believe that your work has been copied on the Website in a way that constitutes copyright infringement, please follow our Notice and Procedure for Making Claims of Copyright Infringement below.

16. Electronic Communications

When you visit the Website or send e-mails to us, you are communicating with us electronically. You consent to receive communications from us electronically. We will communicate with you by e-mail or by posting notices on the Website. You agree that all agreements, notices, disclosures and other communications that we provide to you electronically satisfy any legal requirement that such communications be in writing.

17. Miscellaneous Legal Provisions

We may discontinue the Website at any time and for any reason, without notice. We may change the contents, operation, or features of the Website at any time for any reason, without notice. You agree that no joint venture, partnership, employment, or agency relationship exists between you and us as a result of these Terms of Use or your use of the Website. Nothing contained in these Terms of Use shall limit our right to comply with governmental, court, and law enforcement requests or requirements relating to your use of the Website or information provided to or gathered by us with respect to such use. A printed version of these Terms of Use and of any notice given in electronic form shall be admissible in judicial or administrative proceedings based upon or relating to these Terms of Use to the same extent and subject to the same conditions as other business documents and records originally generated and maintained in printed form.

Our failure to enforce any provision of these Terms of Use or respond to a breach by you or others shall not constitute a waiver of our right to enforce any other provision of these Terms of Use as to that breach or any other. If any provision of these Terms of Use is invalid or unenforceable under applicable law, the remaining provisions will continue in full force and effect, and the invalid or unenforceable provision will be deemed superseded by a valid, enforceable provision that most closely matches the intent of the original provision. These Terms of Use constitute the entire agreement between you and us regarding the Website and supersedes any prior or contemporaneous agreement regarding that subject matter.

Notice and Procedure for Making Claims of Copyright Infringement

If you believe that your work has been copied in a way that constitutes copyright infringement, please provide our copyright agent the written information specified below. Please note that this procedure is exclusively for notifying us that your copyrighted material has been infringed.

  • An electronic or physical signature of the person authorized to act on behalf of the owner of the copyright interest;
  • A description of the copyrighted work that you claim has been infringed;
  • A description of where the material that you claim is infringing is located on the Website;
  • Your address, telephone number, and e-mail address;
  • A statement by you that you have a good-faith belief that the disputed use is not authorized by the copyright owner, its agent, or the law;
  • A statement by you, under penalty of perjury, that the foregoing information in your notice is accurate and that you are the copyright owner or authorized to act on the copyright owner's behalf.

Our Copyright Agent for notice of claims of copyright infringement on the Website can be reached as follows:
  LA-Finance, Attn: Webmaster, 700 S. Main Street, Los Angeles, CA 90014.