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Last revision: 9/8/2012
This Agreement sets forth the terms and conditions that apply to your access and use of the Internet Web site located at www.interestradar.com ("Interest Radar"). By using Interest Radar you agree to be bound by the terms and conditions of this Agreement, as they may be amended from time to time in the future (see "Modifications" section).
You may not use the Service and you may not accept this Agreement if you are not of a legal age to form a binding contract with Interest Radar.
If you accept this Agreement, you represent that you have the capacity to be bound by it or if you are acting on behalf of a company or entity that you have the authority to bind such entity. Before you continue, you should print or save a copy of this Agreement for your records.
The services provided by Interest Radar are not intended to provide investments, legal, tax or financial advice of any kind. All information is provided in an "as-is" and "as available" basis, with no warranty of accuracy, veracity, completeness, suitability for a particular need or any express or implied advice of how to use the information for any purpose. You agree that any liabilities you incur using the information found in Interest Radar is solely your responsibility and will not hold Interest Radar or any of its affiliates responsible for damages of any kind.
You also understand that Interest Radar is not affiliated with LendingClub or any other Peer-To-Peer Lending provider. The tools offered by Interest Radar are intended as a complement of the search engine and portfolio analysis offered by LendingClub.
2. Description of the Service
The Service is a set of computer programs, accessible through Interest Radar, that helps analyze current and past loans from the LendingClub platform, and determine statistically what consumer attributes are more likely to produce risk of default on money borrowed. This is accomplished by compiling and segmenting the database of issued or in funding loans, offered free of charge by LendingClub to the public.
3. Your Use of the Service
Your right to access and use Interest Radar and the Service is personal to you and is not transferable by you to any other person or entity. You are only entitled to access and use Interest Radar for lawful purposes.
Your access and use of Interest Radar may be interrupted from time to time for any of several reasons, including, without limitation, the malfunction of equipment, periodic updating, maintenance or repair, or any other actions that Interest Radar, in its sole discretion, may elect to take.
Interest Radar is continuously changing the Service to make it better and more reliable. Some features of the Service are considered in a BETA stage. Interest Radar will determine the end of the BETA stage for individual features on its solely discretion.
You agree that Interest Radar may use your feedback, suggestions, or ideas in any way, including in future modifications of the Service, other products or services, advertising or marketing materials. You grant Interest Radar a perpetual, worldwide, fully transferable, sublicensable, irrevocable, fully paid-up, royalty free license to use the feedback you provide to Interest Radar in any way. Interest Radar will not sell, publish or share your feedback in a way that could identify you without your explicit permission.
4. Access and Interference
You agree that you will not:
- Use any robot, spider, scraper, crawler, deep link or other similar automated data gathering or extraction tools, program, algorithm or methodology to access, acquire, copy or monitor Interest Radar;
- Use or attempt to use any engine, software, tool, agent, or other device or mechanism (including without limitation browsers, spiders, robots or intelligent agents) to navigate or search Interest Radar;
- Access the Service in a frequency or intensity that is not consistent to personal use (for example executing the analysis tool hundred times within a short period of time);
- Attempt to decipher, decompile, disassemble, or reverse-engineer any of the software comprising or in any way making up a part of Interest Radar or the Service.
5. Your Indemnification of Interest Radar
You shall defend, indemnify and hold harmless Interest Radar and its officers, directors, shareholders, and employees, from and against all claims and expenses, including but not limited to attorneys fees, in whole or in part arising out of or attributable to any breach of this Agreement by you.
Interest Radar may modify this Agreement from time to time. Any and all changes to this Agreement will be posted on Interest Radar site. In addition, the Agreement will always indicate the date it was last revised. You are deemed to accept and agree to be bound by any changes to the Agreement when you use the Service after those changes are posted.