No more late rent fees
We've got your back!
Paying a 3% credit card fee?
Keep it for your savings!
Link rent to payroll
Pay when you get paid!
Manage your expenses
Get back on track!
How it works
STEP 1
Download Lvble through the App store or Google Play
STEP 4
Choose a monthly repayment plan that best suits you!
STEP 3
We pay your Property Manager directly on the first day of the month
STEP 2
Once onboarded, we seamlessly integrate with your rental portal system
STEP 3
We pay your Property Manager directly on the first day of the month
STEP 4
Choose a monthly repayment plan that best suits you!
Our Mission
As living costs are on the rise nation-wide, we aim to alleviate the burden of one's largest expense. Rent.
Lvble allows tenants to pay their monthly rent at a time that better suits their household cashflow. We help tenants avoid late rent fees and costly alternatives.
We look forward to helping you get back onto a rent schedule that suits you!
Partnerships
Empowering the next generation of tenants to rent with confidence
Private and confidential © Copyright Lvble
Last updated: [1st March 2022]
If you visit our website or download or use our mobile application (“App,” together, the “Services”), Lvble Inc. ("Lvble," "we," "us," and "our") will ask for, collect, and store personal information about you (your “Personal Data”). This document (“Privacy Policy”) describes the types of personal information we collect, how we use the information, with whom we may share it, and the choices available to you regarding our use of the information. We also describe measures we take to protect the security of the information and how you can contact us about our privacy practices.
If you do not want us to collect Personal Data from you or share Personal Data with any third parties or otherwise disclose your Personal Data, you should not use the Services.
We also may use the information in other ways for which we provide specific notice at the time of collection.
To submit a request to exercise any of the rights described above, you may email us at [contact@nowlvble.com]. We will verify your identity before responding to your request by either verifying that the email address from which you send the request matches your email address that we have on file, or by requiring you to log into your account.
Consumer Request by an Authorized Agent
If any authorized agent submits a consumer request under the CCPA on your behalf, we require the authorized agent to submit the following information so that we can confirm their authority to act on your behalf:
NOTICE TO CALIFORNIA RESIDENTS – YOUR CALIFORNIA PRIVACY RIGHTS (AS PROVIDED BY CALIFORNIA CIVIL CODE SECTION 1798.83)
A CALIFORNIA RESIDENT WHO HAS PROVIDED PERSONAL DATA TO A BUSINESS WITH WHOM HE/SHE HAS ESTABLISHED A BUSINESS RELATIONSHIP FOR PERSONAL, FAMILY, OR HOUSEHOLD PURPOSES (A “CALIFORNIA CUSTOMER”) MAY REQUEST INFORMATION ABOUT WHETHER THE BUSINESS HAS DISCLOSED PERSONAL DATA TO ANY THIRD PARTIES FOR THE THIRD PARTIES’ DIRECT MARKETING PURPOSES. IN GENERAL, IF THE BUSINESS HAS MADE SUCH A DISCLOSURE OF PERSONAL DATA, UPON RECEIPT OF A REQUEST BY A CALIFORNIA CUSTOMER, THE BUSINESS IS REQUIRED TO PROVIDE A LIST OF ALL THIRD PARTIES TO WHOM PERSONAL DATA WAS DISCLOSED IN THE PRECEDING CALENDAR YEAR, AS WELL AS A LIST OF THE CATEGORIES OF PERSONAL DATA THAT WERE DISCLOSED. CALIFORNIA CUSTOMERS MAY REQUEST FURTHER INFORMATION ABOUT OUR COMPLIANCE WITH THIS LAW BY E-MAILING [contact@nowlvble.com]. PLEASE NOTE THAT WE ARE REQUIRED TO RESPOND TO ONE REQUEST PER CALIFORNIA CUSTOMER EACH YEAR AND WE ARE NOT REQUIRED TO RESPOND TO REQUESTS MADE BY MEANS OTHER THAN THROUGH THIS E-MAIL ADDRESS.
Welcome to Lvble! These TERMS OF USE (this “Agreement”) are agreed to between Lvble Inc., a Delaware corporation (“Lvble”, “we”, “us”, or “our”) and you (as “User”, “you” or “your”) and govern your use of and access to any website, mobile website, mobile application, or other digital system owned by and/or operated for Lvble (collectively, the “Platform”) in connection with Lvble’s delivery of lending and other services (collectively, the “Services”), including loans to qualified Users that can be used to pay rent to designated landlords or property management companies.
Before becoming a User, and before accessing or using the Platform, you are required to agree to the terms of this Agreement. This Agreement is the complete and exclusive agreement between you and Lvble regarding your access to and use of the Platform and supersedes any oral or written proposal, unsigned agreements or other communication between you and Lvble regarding your access to and use of the Platform; provided, however, specific portions of the Platform, or aspects of the Services, may be governed by additional terms, which will govern in the event of a conflict between the terms of this Agreement and such additional terms to the extent of such conflict.
PLEASE CAREFULLY READ THIS AGREEMENT. BY DOWNLOADING, ACCESSING, OR USING THE PLATFORM, OR BY CLICKING A BOX THAT STATES THAT YOU ACCEPT OR AGREE TO THESE TERMS, YOU AGREE THAT YOU HAVE READ AND AGREE TO BE BOUND BY THIS AGREEMENT. IF YOU DO NOT AGREE TO THE TERMS OF THIS AGREEMENT, DO NOT DOWNLOAD, ACCESS, OR USE THE PLATFORM OR CLICK THAT YOU ACCEPT OR AGREE TO THESE TERMS.
IF YOU DO NOT AGREE TO THIS AGREEMENT, OR DO NOT MEET THE QUALIFICATIONS INCLUDED IN THIS AGREEMENT, LVBLE IS NOT WILLING TO PROVIDE YOU WITH ACCESS TO OR USE OF THE PLATFORM AND YOU MUST NOT ACCESS OR USE THE PLATFORM OR ASSOCIATED SERVICES.
THESE TERMS CONTAIN AN ARBITRATION PROVISION, WHICH LIMITS YOUR RIGHTS TO BRING AN ACTION IN COURT AND HAVE DISPUTES DECIDED BY A JUDGE OR JURY, AND PROVISIONS THAT LIMIT LVBLE’S LIABILITY TO YOU.
3.1 Account Creation and Responsibility. In order to access certain Services, you may be required to establish an account on the Platform (an “Account”). Approval of your request to establish an Account will be at the sole discretion of Lvble. Each Account and the User identification and password for each Account (the “Account ID”) is for your sole use and may only be used by you. You may not: (a) select or use an Account ID of another person with the intent to impersonate that person; and (b) use an Account ID that Lvble, in its sole discretion, deems offensive, unacceptable, contrary to community standards, defamatory or in violation of Lvble’s policies. You may not distribute or transfer your Account or Account ID or provide a third-party with the right to access your Account or Account ID. You are solely responsible for all use of the Platform through your Account. All transactions completed through your Account or under your Account ID will be deemed to have been authorized and completed by you. You will ensure the security and confidentiality of your Account ID and will notify Lvble immediately, by email at contact@nowlvble.com if any Account or Account ID is lost, stolen, improperly accessed, or otherwise compromised.
3.2 Registration Information. In connection with establishing an Account or accessing or applying for particular Platform features or Services, you will be required to provide certain information about yourself (“Registration Information”). Registration Information may include information about your financial transactions and experiences and other sensitive non-public information. You represent, warrant, and agree that: (1) all Registration Information you provide will be complete, accurate, and current; (2) you shall maintain and promptly update your Registration Information to keep it accurate and current; and (3) you have full right, power, and authority to provide such Registration Information to us.
3.3 Third-Party Site Access. Your Registration Information may include information about you that we obtain from third-party websites, applications, and accounts made available to us by you. If you provide us with login or other access credentials to such third-party websites, applications, and accounts, you agree that such credentials also constitute Registration Information, and you authorize us to use such credentials to access Registration Information as your appointed attorney-in-fact and agent for the limited purposes of obtaining and using such information as if you were accessing it personally yourself and providing it to us and, in the case of your designated landlord or property management companies, authorizing or directing rent payments to such parties in accordance with the applicable Services. By providing us with such credentials, you represent and warrant to us that any Registration Information obtained by us through the use of such credentials is true, correct, and complete in all respects. Notwithstanding the foregoing, we are under no obligation to monitor, update, maintain, or review any aspect of your Registration Information and provide no endorsement or guarantee in relation to such information or any third-party websites, applications, or accounts by which you make it available to us.
3.4 Identity Verification. Lvble may require that you verify your identity before accessing or using certain Services. Promptly following Lvble’s request, you shall provide Lvble any and all Registration Information and other Content, including your full name and any documents or photographs, necessary for Lvble to verify your identity. You hereby represent, warrant and covenant that such Content is complete, accurate, and current. Lvble reserves the right to freeze your Account until your identity has been verified pursuant to this Section and to terminate your Account should you fail to comply with your obligations under this Section. You authorize Lvble and its agents to make such investigative inquiries and request such third-party reports as it deems necessary to verify your identity.
3.5 Fees. Platform fees, if any, will vary by feature and Service. Except as otherwise provided by law, Platform fees are subject to change without notice at any time and you are responsible for reviewing and understanding applicable fees by reviewing the applicable terms prior to engaging in Platform activity. You will be responsible for any and all use, sales, and other taxes imposed on your access to and use of the Platform.
3.6 Your Content. You are solely responsible for all Content you provide, upload, submit, post to, make available, or generate through access to or use of the Platform including by connecting or communicating with other Users (“Your Content”), whether through an Account or otherwise, including any Registration Information. Your responsibility for Your Content extends to resolving any disputes that may arise between you and any other User because of Your Content. By providing, uploading, submitting, posting, making available, or generating Your Content, you grant Lvble and its authorized representatives and contractors a perpetual and non-exclusive right and license to use, process, store transmit, and disclose Your Content (a) to provide the Services and fulfill other obligations described in this Agreement and (b) to further develop and provide services for Lvble customers. You agree to allow us, if we elect in our sole discretion, to provide Your Content to third parties in connection with identity verification measures, described above, or to activate or validate your access to the Platform. You represent, warrant, and covenant that Your Content: (a) does not violate this Agreement or any applicable law which is now in effect or may hereinafter be enacted; (b) is not libelous, defamatory, obscene, abusive, pornographic, threatening, or an invasion of privacy or the rights of any third party; (c) does not constitute an infringement or misappropriation of the IPR (as defined below) or other rights of any third-party; (d) is not an advertisement or solicitation of funds, goods, or services; (e) is not false, misleading, or inaccurate; or (f) could not be considered junk mail, spam, a part of a pyramid scheme, a disruptive commercial message or disruptive advertisement. Lvble is not responsible or liable for any deletion, correction, destruction, damage, loss or failure to store or back-up any of Your Content. You agree that you have all right, title, interest and consent in Your Content necessary to allow Lvble to use Your Content for the purposes for which you provide Your Content to Lvble. For more information on rights and obligations relating to Your Content, see our Privacy Policy located at https://www.nowlvble.com/privacy-policy (“Privacy Policy”).
3.7 Your Conduct. You agree not to harass, advocate harassment, or to engage in any conduct that is abusive or harmful to any other person or illegal under applicable law. We reserve the right, but are not obligated, to investigate and/or prohibit any conduct, or remove or refuse to post any Content (including Your Content), that we deem in our sole discretion to be unlawful, in breach of this Agreement, violative of the rights of others, or otherwise offensive to you, the Platform, other Users, our rights, or any other person or that may be harmful to others, our operations, or reputation. We assume no liability and shall not be liable directly or indirectly for any action or inaction with respect to your conduct, communication, transactions, or Content. Additionally, we may disclose any Content or electronic communication of any kind: (i) to satisfy any law or request by a governmental authority; (ii) if such disclosure is necessary or appropriate to operate the Platform; (iii) to protect our rights or property, our Users and customers, you, or any other person; or (iv) if, in our sole discretion, such Content or electronic communication should be referred to law enforcement or other government authorities. Furthermore, in addition to removing any of Your Content, Lvble hereby reserves the right to suspend and/or remove you from the Platform as described in Section 6.
3.8 Compliance Verification. Upon the request of Lvble or its designee, you agree to provide to Lvble promptly a certificate that provides such information as Lvble may request regarding your installation and use of the Platform and related materials in order to allow Lvble to verify compliance with this Agreement. You agree to create, retain and provide to Lvble and its auditors accurate written records, system tool outputs, and other system information sufficient to provide auditable verification that your use of the Platform and related materials is and has been in compliance with this Agreement, including, without limitation, all of Lvble’s applicable licensing and pricing terms, and compliance with Lvble’s IPR (as defined below). You agree to run scripts and tools requested by Lvble and to report the results thereof to Lvble as part of such verification. Upon reasonable notice, Lvble or its designee shall be entitled to verify your compliance with the terms of this Agreement for all environments in which you or anyone acting on your behalf uses or installs the Platform software or related materials. In such verification, you will give Lvble access to your equipment, including the right to inspect all copies of the Platform and related materials in your possession or use. Lvble or its designee may use an independent auditor to assist with such verification, provided Lvble has a written confidentiality agreement in place with such auditor.
4.1 To the Platform. Subject to your compliance with this Agreement and satisfaction of associated eligibility criteria, Lvble will permit you to access and use the Platform solely for lawful purposes in accordance with the terms of this Agreement and any other agreement with us you agree to before being given access to any specific areas of the Platform or particular Services.
4.2 To Content. Unless otherwise noted on the Platform, other than Your Content, all Content available through the Platform (“Platform Content” or “Content”) is owned by Lvble, the Users providing that Content, or Lvble’s other Content providers. Subject to your compliance with this Agreement, you may access the Platform Content solely for your own purposes in connection with your own use of the Platform. You shall not, and shall not permit any third-party to: (a) alter, modify, reproduce, or create derivative works of any Platform Content; (b) distribute, sell, resell, convey, lend, loan, lease, license, sublicense, gift, or transfer any Platform Content; or (c) alter, modify, obscure or remove any copyright, trademark or any other notices that are provided on or in connection with any Platform Content. Except as expressly described in this Agreement or as required by applicable law, Lvble has not verified the accuracy of, and shall not be responsible for any errors or omissions in, any Platform Content. Without limiting the foregoing, Lvble shall not be held liable to you or any other third-party for any Platform Content (or any other Content, including Your Content) under any law which is now in effect or may hereafter be enacted, including the Communications Decency Act or CDA, 47 U.S.C. § 230. Except as set forth in this Agreement, you are granted no licenses or rights in or to any Platform Content, or any IPR (as defined below) therein or related thereto.
4.3 To Services. Access to certain features of the Platform or particular Services may require you to agree to meet additional eligibility criteria and to enter into additional terms governing such additional features or Services. In the event of a conflict between the terms of this Agreement and such additional Platform or Service terms, such additional terms shall control to the extent of the conflict.
4.4 To Third-Party Sites. The Platform may contain links to third-party sites that are not under the control of Lvble. Unless otherwise noted, any other site or application accessed from the Platform is independent from us, and we have no control over and are not responsible for its content. Links to third-party websites or applications are provided for your convenience only and you access them solely at your own risk. You acknowledge and agree that Lvble shall not be liable or responsible, directly or indirectly, for any damage or loss caused or alleged to be caused by or related to the use of or reliance on any content, goods, or services available through any third-party website or resource. Your access and use of the third-party sites and applications are governed by the terms of use and privacy policies of these third-party sites.
4.5 To Third-Party Services. The Platform may also provide you with the option, and use of certain Platform features which may require you, to obtain access to services, content, functionality, software and other things developed, provided, or maintained by third party service providers (collectively, “Third Party Services”). All Third Party Services are provided by third parties and are not under the direction or control of Lvble. You acknowledge and agree that Lvble shall not be liable or responsible, directly or indirectly, for your access to or use of any Third Party Services, including any damages, losses, liabilities, failures, or problems caused by, related to, or arising from any Third Party Services. Your use of and access to any Third Party Services is solely between you and the third party provider of the Third Party Services. Your access to and use of any Third Party Services is subject to any additional terms, conditions, agreements, or privacy policies provided or entered into in connection with the Third Party Services (each, a “Third Party Agreement”). The terms of any Third Party Agreement (which may include payment of additional fees) will apply to the applicable Third Party Services provided under that Third Party Agreement but will not otherwise apply to your access to or use of the Platform. Except as set forth in this Agreement, in the event of a conflict between the terms of this Agreement and a Third Party Agreement, the terms of the Third Party Agreement shall control with respect to your access to and use of any Third Party Services provided under that Third Party Agreement to the extent of such conflict. This Agreement will continue to control in all other respects.
9.1 Generally. In instances where the Platform is made available to you via mobile application on a compatible device, you acknowledge that this Agreement is concluded solely between you and Lvble, and Lvble, not Apple, Samsung, Google, or any other App store or download source, is solely responsible for the Platform and the content thereof. Apple, Samsung, and Google are trademarks of the respective third-party owners of such rights. In accordance with all other terms of this Agreement, your authorized use of the Platform and related materials through a mobile application includes the right to store, load, execute and maintain the programs and related materials, in object code only, on one or more partitions on devices approved to download and use the Platform. You acknowledge that Apple, Samsung, Google, or any other application store or download source has no obligation whatsoever to furnish any maintenance and support services and has no warranty obligation with respect to the Platform.
9.2 Apple Devices. For use on Apple devices, your Platform license is limited to a nontransferable license to use the Platform on Apple products that you own or control and as permitted by the Usage Rules set forth in the Apple App Store Terms of Service, except that the Platform may be accessed and used by other accounts associated with you via family sharing or volume purchasing. To the maximum extent permitted by applicable law, Apple will have no warranty obligation, consumer protection liability, or responsibility for any intellectual property infringement claim whatsoever with respect to the Platform. You acknowledge and agree that Apple, and Apple’s subsidiaries, are third party beneficiaries of this Agreement, and that, upon your acceptance of this Agreement, Apple will have the right (and will be deemed to have accepted the right) to enforce this Agreement against you as a third party beneficiary hereof.
12.1 General. You hereby represent and warrant to Lvble that: (a) you have the legal right and authority to enter into this Agreement; (b) this Agreement forms a binding legal obligation on your behalf; and (c) you have the legal right and authority to perform your obligations under this Agreement and to grant the rights and licenses described in this Agreement.
12.2 Compliance with Laws. You acknowledge that the Platform is a general-purpose online service and is not specifically designed to achieve any specific objective you may have or facilitate your compliance with any specific law. Your use of the Platform in compliance with any specific law, rule, or regulation applicable to you, or other data or information you may provide or generate through the Platform is your sole responsibility. Lvble is not responsible for your compliance with any such law or for your failure to comply. Regardless of the jurisdiction in which you use or access the Platform, you represent and warrant to Lvble that your use of and access to the Platform, including, without limitation, Your Content and any other data or information you may provide or generate through your use of or access to the Platform, shall comply with all applicable laws, rules, and regulations and shall not cause Lvble itself to violate any applicable law. The foregoing obligation includes compliance with all laws that are applicable to the transmission of data on the internet, including, but not limited to, laws governing the transmission of data or funds across international boundaries, into prohibited countries, and containing financial, technical, and/or personally identifiable information. You represent and warrant that (i) you are not located in a country that is subject to a U.S. Government embargo, or that has been designated by the U.S. Government as a “terrorist supporting” country; and (ii) you are not listed on any U.S. Government list of prohibited or restricted parties. You represent, warrant and covenant that you shall not make, provide, receive or attempt to use the Platform to make, provide, or receive payments from or to any person or Entity that is subject to any U.S. sanctions administered by the Office of Foreign Assets Control of the U.S. Treasury Department. You acknowledge that the Platform may be subject to restrictions and controls imposed by the United States Export Administration Act (the “Act”) and the regulations thereunder. You agree and certify that neither the Platform nor any direct product thereof is being or will be acquired, shipped, transferred or re-exported, directly or indirectly, into any country prohibited by the Act and the regulations thereunder or will be used for any purposes prohibited by the same.
13.1 No Tax, Legal, Financial, or Investment Advice. You should not interpret any Content provided on the Platform as tax, legal, financial, or investment advice. We have no special relationship with or fiduciary duty to you and your use of the Platform does not create such a relationship. You agree and acknowledge that you are solely responsible for conducting legal, accounting and other due diligence review on the information posted on the Platform.
13.2 General. THE PLATFORM IS PROVIDED “AS IS” AND “AS AVAILABLE.” LVBLE AND ITS PROVIDERS DO NOT WARRANT OR GUARANTEE THE ACCURACY, COMPLETENESS, AVAILABILITY, ADEQUACY OR CURRENCY OF ANY SERVICES OR CONTENT AND DO NOT ENDORSE THE VIEWS OR OPINIONS THAT MAY BE EXPRESSED OR PROVIDED THROUGH THE PLATFORM. LVBLE AND ITS PROVIDERS EXPRESSLY DISCLAIM ANY AND ALL WARRANTIES AND REPRESENTATIONS OF ANY KIND WITH REGARD TO THE PLATFORM AND THIS AGREEMENT, WHETHER EXPRESS, IMPLIED OR STATUTORY, INCLUDING, WITHOUT LIMITATION, ANY WARRANTIES OF FITNESS FOR A PARTICULAR PURPOSE, MERCHANTABILITY, TITLE OR NON-INFRINGEMENT. LVBLE AND ITS PROVIDERS DO NOT WARRANT THE RELIABILITY, ACCURACY, INTEGRITY, SECURITY, COMPLETENESS, ADEQUACY OR CURRENCY OF THE PLATFORM, AND DO NOT ENDORSE THE VIEWS OR OPINIONS THAT MAY BE EXPRESSED OR PROVIDED BY USERS OF THE PLATFORM. NO ORAL OR WRITTEN INFORMATION GIVEN BY THE PLATFORM, LVBLE OR ITS EMPLOYEES, PROVIDERS OR AGENTS SHALL CREATE A WARRANTY OF ANY KIND. LVBLE AND ITS PROVIDERS SPECIFICALLY DISCLAIM ANY REPRESENTATION OR WARRANTY THAT THE PLATFORM WILL MEET YOUR REQUIREMENTS, BE SUITABLE FOR THE INTENDED PURPOSE, OR OPERATE UNINTERRUPTED OR ERROR FREE.
In order for you to establish an account with or otherwise obtain products and services from Lvble Inc. you must agree that we may provide notices and other communications (the “Covered Items”), including those required by law to be provided “in writing,” to you electronically as described in this agreement (the “Consent Agreement”). For purposes of this Consent Agreement, the terms “we,” “us,” “our,” and “Lvble” refer, as applicable, to Lvble Inc. and its service providers, and the terms “you” or “your” refer to you as an individual user of Lvble products or services.
By agreeing to the terms of this Consent Agreement, you are agreeing to receive Covered Items electronically (whether by e-mail or SMS text message or through our website, our mobile application, or otherwise as determined by us) in connection with all accounts you maintain or apply to open with us, and any products or services you receive from us, now or in the future.
For purposes of this Consent Agreement, Covered Items include, but are not limited to, the following (some items may not apply to all persons):
17.2 Consent
By agreeing to this Consent Agreement, you give us your consent to electronically provide the Covered Items and certify that you:
(1) meet our System Requirements as described below, and
(2) will provide and maintain a valid e-mail address with us (collectively, your "Consent").
You understand and agree that you may be provided with all Covered Items in electronic form. You understand that by giving us your Consent, you may not receive any paper copies of the Covered Items and you accept any consequence of not reviewing the Covered Items in a timely manner.
17.3 Withdrawal of Consent
You also may elect to withdraw your Consent at any time, but withdrawal of Consent will likely require termination or amendment of certain Lvble services or even the closure of your account. Withdrawal of your Consent will not affect the validity, enforceability or effectiveness of those Covered Items provided or created electronically prior to your withdrawal. If you want to withdraw your Consent, you may do so by doing any of the following:
17.4 Modification of Consent Terms
We reserve the right to modify the terms and conditions of this Consent Agreement at our discretion. If we elect or if required by law, we will provide you with advance notice of such modification(s) electronically in a manner consistent with the “Methods of Providing Covered Items” section below. If we provide such advance notice and you do not agree to the Consent Agreement as modified, you must notify us of your withdrawal of Consent before its effective date. Failure to withdraw your Consent or take any other required action as stated in the notification before its effective date, or continued use of our products or services, will confirm your continued agreement to the Consent Agreement as modified. Modifications to these terms will only affect our respective rights and obligations from the effective date of the modification(s) and thereafter, and/or until a subsequent version of this Consent Agreement takes effect, or you withdraw your Consent.
17.5 Methods of Providing Covered Items
In this document, "provide" means to deliver, make available, send, notify or similar term. We may provide the Covered Items electronically through, or through any combination of:
(1) your e-mail address on file with us,
(2) links provided through our website, our mobile applications, or your online account,
(3) files, including those in PDF format, that can be downloaded from our website, or
(4) any other electronic or digital means we elect consistent with this Consent Agreement.
It is your responsibility to review Covered Items promptly, so you can take appropriate action.
17.6 Designated E-mail Address
You certify any e-mail address you provide us as part of your account application or opening, or as part of any product or service enrollment, is your e-mail address and that you want us to use it to provide Covered Items electronically ("Designated E-mail Address") when we elect to do so via e-mail. If you provide us with more than one e-mail address, we may treat any of them as your e-mail on file with us and elect to use any or all of them to deliver Covered Items. Lvble should be promptly notified of any changes to such a Designated E-mail Address by updating contact@nowlvble.com. If you fail to update or change an incorrect or invalid Designated E-mail Address, then you understand and agree that all Covered Items shall nevertheless be deemed to have been provided to you if as if they were made available to you in electronic form on Lvble’s website or delivered to a valid Designated E-Mail Address for you. If you authorize someone else to access your Designated E-mail Address, you agree to tell them to share Covered Items with you promptly, and you acknowledge and accept the risk that they will see your sensitive information.
17.7 Access to Paper Copies
You can request paper copies of Covered Items by writing us at 2055 Limestone Road, Ste. 200-C, Wilmington, DE, 19808, with the details of your request. We retain copies of Covered Items for the time periods (if any) required by law and may, but are under no obligation to unless required by law, provide you with copies of these upon request within those time periods. We do not necessarily retain copies for longer than is required by law. Save or print copies of Covered Items provided electronically to ensure you have them when needed. If we choose to provide them to you, fees may apply for paper copies of Covered Items. Please check the terms and conditions applicable to your loan or account for details.
17.8 Our Right to Send Paper
We reserve the right to provide Covered Items in paper form at all times at our discretion even if you have given us Consent to provide them electronically. For example, but without limitation, we may do this if we have a system outage, if we suspect fraud, or if for any reason the e-mail address we have for you does not accept e-mails from us.
To access and retain the Covered Items, you must have a working e-mail address and a personal computer or other device that has:
Working Internet access;
Current Version (as defined below) of an Internet browser that supports 128-bit encryption (such as Chrome®, Firefox®, Internet Explorer®, or Safari®);
16 MB of available memory 32 MB of RAM recommended) and a program that can view, save and print PDF files (such as Adobe ® Reader ®);
An operating system and data storage capable of supporting all of the above; and
Our mobile software application, if applicable, and a mobile device that will support our mobile software application and has location services enabled with regard to our mobile software application.
These specifications constitute our “System Requirements.” By “Current Version,” we mean a version of the software that is currently being supported by its publisher.
From time to time, we may offer services or features that require your Internet browser or mobile device to be configured in a certain way or be updated to the Current Version of your browser or mobile device software. We reserve the right to discontinue support of a Current Version of software if, in our sole opinion, it suffers from a security flaw or other flaw that makes it unsuitable for use with online or mobile transactions.
By clicking on “I Agree”, you are representing and warranting to Lvble the following: (1) you have read, understand and agree to the terms in this Consent Agreement; (2) agree to receive Covered Items electronically and to the other terms of this Consent Agreement; (3) confirm that you satisfy the System Requirements set forth above; (4) confirm that you are able to access and print or store the Covered Items and the information presented at this website; (5) you have an active e-mail address and PDF reader and have the ability to access PDF files; (6) you understand that Lvble will rely on the truthfulness and completeness of your representations and warranties above; (7) you consent to receive Covered Items, as are now or in the future available, in connection with your accounts at Lvble or in connection with your relationship with Lvble, including any Lvble account(s) that you may subsequently open or for which you apply; (8) you agree to update your contact information as needed in order to ensure timely receipt of Covered Items and that our records will control in the event of any dispute over which contact information you have provided to us; (9) you are agreeing on behalf of all other account holders, co-owners or other authorized persons, if any, and you have the power and authority to consent and agree on their behalf and on behalf of any entity for which you are acting; (10) you understand and agree that we may terminate certain agreements and services provided to you if you withdraw your Consent; and (11) your agreement and Consent is effective and valid until you withdraw your Consent as provided above.
If you do not agree to the terms of this Consent, please do not use the services
21.1 Arbitration Section. Before asserting a claim in any proceeding, you agree that you shall engage in a good faith attempt to resolve the claim. All claims and disputes arising out of or relating to this Agreement that cannot be resolved informally or in small claims court shall be resolved by binding arbitration on an individual basis under the terms of this Arbitration Section. The Arbitration Section applies to the both you and us, including your and our respective assigns, representatives and/or agents, as to all matters which arise out of or relate to this Agreement or any resulting transaction or relationship.
21.2 Waiver of Jury Trial. YOU HEREBY WAIVE YOUR CONSTITUTIONAL AND STATUTORY RIGHTS TO GO TO COURT AND HAVE A TRIAL IN FRONT OF A JUDGE OR A JURY, instead electing that all claims and disputes shall be resolved by arbitration under this Arbitration Section. Arbitration procedures are typically more limited, more efficient and less costly than rules applicable in court and are subject to very limited review by a court.
21.3 Arbitration Rules. The Federal Arbitration Act governs the interpretation and enforcement of this dispute resolution provision. Arbitration shall be initiated through JAMS, Inc., an established alternative dispute resolution provider (“ADR Provider”). If the selected ADR Provider is not available to arbitrate, we shall select an alternative ADR Provider. The rules of the ADR Provider shall govern all aspects of this arbitration, except to the extent such rules are in conflict with the Agreement or to the extent that application of the Agreement provisions would result in the unenforceability of this Arbitration Section. The JAMS rules governing the arbitration are available online at www.jamsadr.com or by calling JAMS at 1-800-352-5267. Any arbitration hearing will be held in our federal judicial district. Any judgment on the award rendered by the arbitrator may be entered in any court of competent jurisdiction.
21.4 Decision of Arbitrator. The arbitrator shall issue a written award and statement of decision describing the essential findings and conclusions on which the award is based. The arbitrator has the same authority to award relief on an individual basis that a judge in a court of law would have. The award of the arbitrator is final and binding upon you and us.
21.5 Waiver of Class or Consolidated Actions. ALL CLAIMS AND DISPUTES WITHIN THE SCOPE OF THIS ARBITRATION SECTION MUST BE ARBITRATED ON AN INDIVIDUAL BASIS AND NOT ON A CLASS BASIS, AND ARBITRATION CLAIMS OF MORE THAN ONE BORROWER CANNOT BE ARBITRATED OR LITIGATED JOINTLY OR CONSOLIDATED WITH THOSE OF ANY OTHER BORROWER.
21.6 Severability. If any part or parts of this Arbitration Section other than the Waiver of Class or Consolidated Actions are found under the law to be invalid or unenforceable, then such specific part or parts shall be of no force and effect and shall be severed and the remainder of the Arbitration Section shall continue in full force and effect. If the Waiver of Class or Consolidated Actions is found to be unenforceable, then as to the specific dispute in which that ruling of unenforceability was made, this entire Arbitration Section shall be unenforceable.
21.7 Survival of Agreement. This Arbitration Section shall survive the termination of this Agreement.
21.8 Small Claims Court. Notwithstanding the foregoing, you or we may bring an individual action in small claims court.
21.9 Your Right to Opt Out of Arbitration. You may opt out of this Arbitration Section by sending a signed written notice of your election to do so, within thirty (30) days of the date of your entering into this Agreement. Such notice shall be sent to Lvble at Lvble’s address listed below.