Last Modified: November 3, 2026
This service is hosted by Punt Group, LLC DBA iSoftpull and its affiliates (“iSoftpull,” “Company,” “we,” “our,” or “us”), which is operated by iSoftpull. Please review the following Terms of Service (the “Terms”) concerning your use of and access to this service (collectively referred to hereafter as the “Service”). By accessing, using, or downloading any materials or content via the Service, you agree to follow and be bound by the Terms, which constitute a legal agreement between us and you. If you do not agree with the Terms, then you should not use the Service. The Terms, together with any documents expressly incorporated by reference (collectively, "Terms"), govern your access to and use of our Service. These Terms contain an arbitration clause and an agreement by you to waive your rights to participate in any class action lawsuit. (See “Arbitration Agreement and Class Action Waiver,” below).
By using this Service, you accept and agree to be bound and abide by these Terms and our Privacy Policy, found at https://app.isoftpull.com/site/privacy, incorporated herein by reference, whether as a guest or a registered user.
You agree that we may collect your data as described in our Privacy Policy and you consent to all actions we take with respect to your information consistent with our Privacy Policy.
If you do not agree to these Terms, you must not access or use the Services.
You agree that by accessing the form and Service, you have read, understood, and agreed to be bound by all of these Terms. IF YOU DO NOT AGREE WITH ALL OF THESE TERMS, THEN YOU ARE EXPRESSLY PROHIBITED FROM USING THE FORM AND SERVICE, AND YOU MUST DISCONTINUE USE IMMEDIATELY.
The Company reserves the right to amend the Terms document at any time and without notice to you. The most recent date on which the Terms were revised appears above. If you access and/or use the form or Service following a revision of the Terms document, it constitutes your acceptance of the Terms as revised. You are expected to check this page each time you access the form or Service, so you are aware of any changes, as they are binding on you.
By using the form or Service, you represent and warrant that you are of legal age to form a binding contract.
To access our Service, you will be required to demonstrate your agreement to these Terms by indicating your acceptance before you can continue. In addition, you will also authorize us to obtain a consumer report, consent to our privacy policy, consent to communications with you, and consent to transact and receive information electronically. It is a condition of your use of the Service that all the information you provide is correct, current, and complete. You agree to access and use the Service solely for personal, non-commercial purposes.
Note that our Service is being provided through a third party who may assist you with obtaining credit. We are separate from the third party, and the third party may have its own terms of service (or terms of use), privacy policy, communication practices, and consent to transact and receive information electronically.
If you elect to submit the form, you must provide complete and accurate information as prompted by the form. After doing so, it is possible that you will have to log into a third party’s secure online portal to complete the prequalification inquiry process and/or any subsequent loan. The third party may require you to choose a password and your username, and you may be required to agree to their terms, privacy policy(s), consent to transact and receive information electronically, along with other disclosures and/or consents.
You are responsible for anything you transmit to or through the form. You represent that your transmissions to us are and will be truthful, accurate, not misleading, offered in good faith, and that you have authority to transmit such information. In using the form, you agree that it is solely your responsibility to avoid certain activities that we deem, at our discretion, to be prohibited. These prohibited activities include, without limitation:
Our Service and the form may link to a website(s) that is operated and maintained by a third party (“Third Party Site”). This link is not a recommendation or endorsement by us of any products, services, information, goods, ideas, or opinions that may be found on the Third Party Site.
We make no warranties, either express or implied, concerning the content of any Third Party Site, including regarding the accuracy, completeness, reliability, or suitability thereof for any particular purpose. We do not warrant that any Third Party Site is free from any claims of copyright, trademark, or other infringement. We do not warrant that any Third Party Site is free from any viruses or other contamination.
You understand that the Third Party Site may have a privacy policy that is different from that of the Company and that the Third Party Site may provide less security than our form. The choice to access a Third Party Site, or to purchase or otherwise use any of the products or services advertised or provided on a Third Party Site, is yours, in your sole discretion.
BECAUSE OF THE POSSIBILITY OF HUMAN AND MECHANICAL ERROR, AS WELL AS OTHER FACTORS, THE COMPANY IS NOT RESPONSIBLE FOR ANY ERRORS IN OR OMISSIONS FROM THE CONTENT MADE AVAILABLE ON THE FORM OR THE SERVICE. YOU ACKNOWLEDGE THAT NEITHER WE NOR ANY OF OUR EMPLOYEES, AGENTS, THIRD PARTY CONTENT PROVIDERS, OR LICENSORS WARRANT THAT THE PRODUCTS, SERVICES, OR CONTENT ON THE FORM OR SERVICE WILL BE UNINTERRUPTED OR ERROR-FREE. ALL CONTENT IS PROVIDED “AS IS” TO THE USER OF THE FORM AND/OR SERVICE, WITHOUT EXPRESS OR IMPLIED WARRANTIES OF ANY KIND, INCLUDING THE WARRANTIES OF MERCHANTABILITY, NON-INFRINGEMENT OF INTELLECTUAL PROPERTY, FITNESS FOR ANY PARTICULAR PURPOSE, OR FREEDOM FROM COMPUTER VIRUSES.
THE INFORMATION CONTAINED IN THE SERVICE AND FORM OR OTHER MATERIALS YOU MAY RECEIVE FROM COMPANY DO NOT CONSTITUTE LEGAL, TAX, ACCOUNTING OR OTHER PROFESSIONAL ADVICE. COMPANY (AND ITS SUPPLIERS) MAKE NO WARRANTY THAT (I) THE SERVICE IS ACCURATE, TIMELY, SECURE, UNINTERRUPTED OR ERROR-FREE; AND (II) ANY RESULTS THAT MAY BE OBTAINED FROM THE USE OF THE SERVICE WILL BE RELIABLE.
IN NO EVENT SHALL THE COMPANY OR ANY OF ITS EMPLOYEES, AGENTS, THIRD PARTY CONTENT PROVIDERS, OR LICENSORS BE LIABLE FOR ANY DAMAGES, LOSSES, OR LIABLITIES INCLUDING, WITHOUT LIMITATION, DIRECT OR INDIRECT, PUNITIVE, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR OTHER DAMAGES, LOSSES, OR EXPENSES ARISING OUT OF OR IN ANY WAY CONNECTED TO THE USE OF OUR SERVICE OR THE FORM, YOUR RELIANCE ON THE CONTENT, OR ANY FAILURE OF AVAILABILITY OR PERFORMANCE, ERROR, OMISSION, INTERRUPTION, DEFECT, DELAY IN OPERATION OR TRANSMISSION, COMPUTER VIRUS, OR LINE OF SYSTEM FAILURE, EVEN IF THE COMPANY OR ITS EMPLOYEES, AGENTS, THIRD PARTY CONTENT PROVIDERS, OR LICENSORS ARE ADVISED OF THE POSSIBILITY OF SUCH DAMAGES, LOSSES, OR EXPENSES.
SOME JURISDICTIONS EITHER DO NOT ALLOW OR PLACE RESTRICTIONS UPON THE EXCLUSION OR LIMITATION OF DAMAGES IN CERTAIN TYPES OF AGREEMENTS; FOR THESE JURISDICTIONS, THE AFOREMENTIONED LIMITATION ON LIABILITY SHALL BE TO THE MAXIMUM DEGREE PERMITTED BY APPLICABLE LAW.
You agree to defend, indemnify, and hold the Company and its members, shareholders, directors, officers, employees, agents, and independent contractors harmless from and against all claims and expenses, including attorney’s fees, arising out of your violation of these Terms or your misuse of the Service or the Form, its content, or any of the products or services provided through the Form.
These Terms shall be construed in accordance with the laws of the State of California, without regard to its conflict of laws rules.
In the event that any of the terms or provisions of these Terms is held to be unenforceable, the remaining terms and provisions shall be unimpaired, and the unenforceable term or provision shall be modified or replaced with an enforceable term or provision that comes as close as possible to the intention of the term or provision deemed unenforceable.
The Company does not waive any of its rights under these Terms unless the waiver is written and signed by a duly authorized representative of the Company. Any waiver of any breach of any provision of these Terms shall not be construed as a waiver of any continuing or succeeding breach of such provision or a modification of the provision.
Please read this section carefully. It affects your legal rights, including your right to file a lawsuit in court, to have a jury trial, and to participate in a class action. You and Company agree that, except as expressly provided below, all Covered Claims (as defined below) between you and Company, or any products or services offered through or in connection with the Service or form, will be resolved exclusively by binding individual arbitration, rather than in court. This arbitration agreement is intended to be interpreted broadly and is governed by the Federal Arbitration Act, 9 U.S.C. §§ 1 et seq., and not any state law concerning arbitration.
Covered Claims. Covered Claims include, without limitation, any claim or dispute between you and Company whether based in contract, statute, rules, tort (including intentional torts, such as fraud), consumer protection, privacy, data security, lending, credit, marketing, website accessibility, communications, or any other legal or equitable theory. Covered claims also include disputes about the interpretation, applicability, enforceability, formation, scope, or validity of this arbitration agreement, including any claim that all or part of this arbitration agreement is void or voidable, except that any dispute regarding the enforceability of the class action waiver below will be decided by a court of competent jurisdiction.
Informal Dispute Resolution. Before either party initiates arbitration, the party asserting a claim must first send written notice describing the nature and basis of the claim, the requested relief, and sufficient information to evaluate the claim. Notices to Company must be sent to iSoftpull, 2270 Camino Vida Roble, Suite 1, Carlsbad, CA 92011, Attn: President, or to any other address that Company designates for legal notices. Company may send notices to you using the most recent contact information you provided. The parties will attempt in good faith to resolve the claim informally for at least thirty (30) days after notice is received. If the claim is not resolved during that period, either party may commence arbitration.
Arbitration Procedures. The arbitration will be administered by the American Arbitration Association or any other organization subject to Company’s approval (the “Arbitration Organization”). The arbitration shall be conducted under the then-current consumer rules of the Arbitration Organization and governed by the Federal Arbitration Act, 9 U.S.C. § 1 et seq., and not any state law concerning arbitration. You may get a copy of the rules of an Arbitration Organization by contacting the Arbitration Organization or visiting its website. The arbitrator shall apply applicable law. Any award by the arbitrator shall be in writing and will be final and binding on all parties, subject to any limited right to appeal under the Federal Arbitration Act. Judgment on the arbitration award may be entered by either party in the highest local, state or federal court having jurisdiction or before any administrative body.
Location and Fees. To the extent allowed by applicable law, arbitrations shall be conducted on a documents-only basis, without live testimony or oral argument. A single arbitrator shall hold a documents-only arbitration, if allowed by applicable law, or any arbitration hearing telephonically or by video conference or, if both you and Company agree, at a location in the judicial district where you live. Payment of arbitration fees will be governed by the Arbitration Organization’s consumer arbitration fee schedule and applicable law. Company will not seek to recover its attorneys’ fees or arbitration costs from you unless the arbitrator determines that your claim was frivolous or brought for an improper purpose, or unless applicable law permits such recovery. Any arbitration proceedings and awards shall be confidential and shall not be used in any other arbitration proceeding.
Exceptions. Notwithstanding this arbitration agreement, either party may bring an individual action in small claims court if the claim qualifies and remains in that court without the right to trial by jury or to assert class or representative claims. Either party may also seek temporary, preliminary, or permanent injunctive or other equitable relief in court to prevent the actual or threatened infringement, misappropriation, or violation of intellectual property rights, confidential information, or computer security rights, or to address unauthorized access to or misuse of our Service and the form or Company systems.
Class Action and Jury Trial Waiver. You and Company agree that each may bring claims against the other only in an individual capacity and not as a plaintiff or class member in any purported class, collective, consolidated, private attorney general, or representative proceeding. Unless both you and Company agree otherwise in writing, the arbitrator may not consolidate more than one person’s claims and may not preside over any form of class, collective, consolidated, private attorney general, or representative proceeding. You and Company also waive any right to a jury trial for any claim, unless such waiver is unenforceable.
Mass Arbitration Procedures. If twenty-five (25) or more substantially similar arbitration demands are filed against Company by or with the assistance of the same law firm, group of law firms, organization, or coordinated counsel, the demands will be treated as related for purposes of administration and fees of the Arbitration Organization. The parties will cooperate in good faith to implement procedures designed to promote the efficient, fair, and prompt resolution of the related demands, which may include batching, bellwether proceedings, phased administration, or other procedures adopted by the arbitration provider or ordered by the arbitrator, provided that each claimant’s claim remains subject to individual resolution and no claim is arbitrated on a class, collective, consolidated, private attorney general, or representative basis without the parties’ written agreement.
Opt-Out Right. You may opt out of this arbitration agreement by sending written notice of your decision to opt out to iSoftpull, 2270 Camino Vida Roble, Suite 1, Carlsbad, CA 92011, Attn: President, within thirty (30) days after you first accept these Terms. Your opt-out notice must include your name, mailing address, email address, and a clear statement that you wish to opt out of arbitration. Opting out of this arbitration agreement will not affect any other provision of these Terms or any other agreement you may have with Company.
Severability and Survival. If any portion of this arbitration agreement is found to be unenforceable, that portion will be severed, and the remaining portions will remain in full force and effect, except that if the class action waiver is found to be unenforceable as to a particular claim or request for relief, then that claim or request for relief must proceed in court and not in arbitration. This arbitration agreement will survive termination of these Terms, and the end of your relationship with Company.
For further information, you may contact us by email at:
by telephone at:
760-579-6171
by U.S. mail to:
iSoftpull
2270 Camino Vida Roble, Suite 1
Carlsbad, CA 92011