Terms of Use
PLEASE READ THESE TERMS OF USE CAREFULLY. BY ACCESSING THE sailloans.com WEBSITE (THE “SITE”) YOU AGREE TO BE BOUND BY THESE TERMS OF USE. IF YOU WOULD LIKE TO DOWNLOAD A SEPARATE COPY OF THESE TERMS OF USE, PLEASE CLICK HERE.
The Site is owned and used by S.A.I.L. LLC dba SAIL Loans, a Delaware limited liability company doing business in Illinois (“SAIL”).
The Site is also used by each of the following affiliates of SAIL pursuant to licenses granted to them, respectively, by SAIL: S.A.I.L. of Colorado, LLC, a Delaware limited liability company (“SAIL CO”) and S.A.I.L. of New York LLC, a Delaware limited liability company (“SAIL NY”).
These Terms of Use are provided to you by SAIL, the term “Lender” as used herein shall mean SAIL, if (a) you are a resident of Illinois, or (b) you are accessing this Site from a SAIL Loans store in Illinois.
These Terms of Use are provided to you by SAIL and SAIL CO, and the term “Lender” as used herein shall mean SAIL CO, if (a) you are a resident of Colorado, or (b) you are accessing this Site from a SAIL Loans store in Colorado.
These Terms of Use are provided to you by SAIL and SAIL NY, and the term “Lender” as used herein shall mean SAIL NY, if (a) you are a resident of New York, or (b) you are accessing this Site from a SAIL Loans store in New York.
THESE TERMS OF USE ARE SUBJECT TO CHANGE AT ANY TIME AT THE DISCRETION OF SAIL AND LENDER. IF YOU DO NOT AGREE WITH THESE TERMS OF USE, DO NOT ACCESS OR USE THE SITE. SAIL AND LENDER RESERVE THE RIGHT TO CHANGE THESE TERMS OF USE AT ANY TIME BY POSTING A REVISED VERSION OF THE TERMS OF USE ON THE SITE.YOUR USE OF THE SITE CONSTITUTES YOUR ACKNOWLEDGEMENT OF AND AGREEMENT TO THE TERMS OF USE THAT ARE POSTED ON THE SITE AT THE TIME OF SUCH USE.
Lender grants to you, solely for your use in your online interactions with Lender, a nonexclusive, limited and revocable right to access and use the Site. You agree that you will not, without the prior written consent of SAIL and Lender, use the Site or any part thereof for any other purpose, including without limitation commercial purposes, such as co-branding, framing, linking, or reselling any portion of the Site. Unauthorized use of the Site or any part thereof, including but not limited to unauthorized entry into the Site or any part thereof, misuse of passwords, or misuse of any information posted to the Site, is strictly prohibited. You acknowledge that your use of the Site may be monitored, tracked and recorded by SAIL and/or its agents and/or contractors and/or Lender and/or its agents and/or contractors. By your use of the Site, you expressly consent to any such monitoring, tracking and recording.
The Site may be accessed using most browsers (browsers supported include without limitation: Chrome, Safari, Firefox, Edge, and IE 10 and requires cookies to be enabled for you to apply for a loan and to access and use your online account(s) with Lender (“Account”). Your online loan application will be sent to Lender using secure SSL industry standard encryption. You should receive an acknowledgement of receipt from Lender after submitting your application, but if you do not, please check your spam folder, and then contact Lender’s customer service department. Please do not submit specific questions regarding your Account through Lender’s Contact Us link, as this is not a secure form of communication. Please contact Lender’s customer service department at 833.700.7245 with questions regarding your application or Account. For media inquiries, please contact 847.827.9405.
Privacy Policy: Each Lender respects the privacy of users of the Site. Please refer to the Privacy Policy https://sailloans.com/privacy/’s which explains how each Lender collects, uses, and discloses your personal and non-personal information. Your use of the Site constitutes your acknowledgment of and agreement to the Privacy Policy that is posted on the Site at the time of such use.
Equipment: Each of SAIL and Lender is not responsible for any errors or problems that arise from equipment malfunction and/or failure of any computer or other device you use to access the Site. If you access your Account from a public or shared computer or device, you are responsible for signing out of your Account at the end of your session.
Cookies: A cookie is a piece of information which a web server may place on any computer or device you use when you visit the Site. The use of cookies by the Site facilitates your Internet session, maintains security and improves the user experience. For example, cookies are used to verify your identity, remember your personal settings such as your Account preferences, and monitor your use of the Site to improve its services. If you choose not to enable cookies on your browser, you will not be able to apply for a loan on the Site or access or use your online Account.
Passwords and Account Access: Lender may at its option change the parameters for the password used to access your Account (“Password”) without prior notice to you, and if Lender does so, you will be required to change your Password the next time you access your Account. You will use reasonable security methods to prevent others from obtaining your Password or other identifying information. To prevent unauthorized access to your Account, you agree to protect and keep confidential your Account number(s), User ID(s), Password(s), and any other means of accessing your Account. Failure to do so could permit unauthorized persons to gain access to your sensitive personal and Account information and to use that information for fraudulent purposes, including identity theft. If you disclose your Account number(s), User ID(s), Password(s), and/or any other means of accessing your Account to any person(s) or entity, you assume all risks and losses associated with such disclosure. If you permit any other person(s) or entity to use the Site on your behalf, or to access or use your Account number(s), User ID(s), Password(s), or other means to access your Account, you are responsible for any transactions and activities performed from your Account and for any use of your personal and Account information by such person(s) or entity. You agree that if you believe or know that someone may attempt to access or has accessed your Account without your permission, or that any other unauthorized use or security breach has occurred, you will immediately notify Lender at 833.700.7245.
Copyright Notices: The Site and all parts thereof, including but not limited to all functionality, content, design, text, sound recordings and images, are owned or licensed by SAIL and/or Lender, except as otherwise expressly stated therein, and may not be copied, modified, transmitted, displayed, performed, distributed (for compensation or otherwise), licensed, altered, framed, stored for subsequent use or otherwise used in whole or in part in any manner without the prior written authorization of SAIL and Lender. Content, design, text, sound recordings and images owned by third parties other than SAIL or Lender and posted on the Site are subject to such third parties’ respective terms of use (or other user agreement) and applicable law.
Trademark Notices: The trade names, marks, and logos of SAIL and Lender are owned by SAIL and Lender, respectively, and may not be used, copied, modified, transmitted, displayed, distributed, licensed or altered without prior written authorization from SAIL or Lender, as applicable. Other product and company names that are mentioned on the Site may be trademarks of their respective owners and such trademarks are subject to each respective owner’s terms of use (or other user agreement) and applicable law.
Web Content and Materials: Each of SAIL and Lender does not warrant the completeness, timeliness, or accuracy of any information on the Site.
SAIL AND/OR LENDER MAY AT ANY TIME, WITHOUT PRIOR NOTICE TO YOU AND WITHOUT ANY LIABILITY TO YOU, DISCONTINUE OR MAKE CHANGES IN THE INFORMATION AND/OR ANY PRODUCTS AND/OR SERVICES OFFERED ON THE SITE. EACH OF SAIL AND LENDER RESERVES THE RIGHT TO TERMINATE ANY OR ALL OF THE SITE’S CONTENT, PRODUCTS AND/OR SERVICES AT ANY TIME WITHOUT PRIOR NOTICE TO YOU.
Sailloans.com MAY DISCONTINUE OR MAKE CHANGES IN THE INFORMATION, PRODUCTS OR SERVICES AT ANY TIME WITHOUT PRIOR NOTICE TO YOU AND WITHOUT ANY LIABILITY TO YOU. SAILLOANS.COM RESERVES THE RIGHT TO TERMINATE ANY OR ALL OF THE SITE’S CONTENT OR SERVICES WITHOUT PRIOR NOTICE TO THE USER. THE AVAILABILITY OF THE SITE’S INFORMATION, PRODUCTS OR SERVICES DOES NOT MEAN SAILLOANS.COM DISTRIBUTING OR SOLICITATING, TO ANY PERSON, TO USE THE WEBSITE OR SUCH INFORMATION, PRODUCTS OR SERVICES WHERE PROHIBITED BY LAW.
Potential Disruption of Service: Access to our Site may from time to time be unavailable, delayed, limited or slowed due to causes beyond the control of Sailloans.com. We make no guarantees as to the availability of the Site.
LIMITATION OF LIABILITY: EACH OF SAIL AND LENDER WILL NOT BE LIABLE FOR ANY UNAVAILABILITY, DELAY, INTERRUPTION, LIMITATION, DIFFICULTY IN USE, INACCURACY OF INFORMATION, COMPUTER VIRUS, MALICIOUS CODE, OR OTHER DEFECT IN THE SITE, OR FOR THE INCOMPATIBILITY BETWEEN THE SITE AND FILES AND THE USER'S HARDWARE, BROWSER, SOFTWARE OR DEVICE. UNDER NO CIRCUMSTANCES WILL SAIL OR LENDER BE LIABLE TO YOU OR ANY THIRD PARTY FOR DAMAGES OF ANY KIND ARISING FROM OR RELATING TO YOUR OR ANY OTHER PERSON OR ENTITY’S USE, OR INABILITY TO USE, THE SITE, INCLUDING BUT NOT LIMITED TO LOST PROFITS, LOST OPPORTUNITY OR ANY DIRECT, INDIRECT, CONSEQUENTIAL, INCIDENTAL, SPECIAL, PUNITIVE, OR EXEMPLARY DAMAGES. REGARDLESS OF WHETHER SAIL OR LENDER HAS BEEN APPRISED OF THE LIKELIHOOD OF SUCH DAMAGES OCCURRING AND REGARDLESS OF THE FORM OF ACTION, WHETHER IN CONTRACT, WARRANTY, TORT (INCLUDING NEGLIGENCE), STRICT LIABILITY, OR OTHERWISE. YOU USE THE SITE AT YOUR OWN RISK.
Enforceability and Governing Law: In the event any of the term(s) or provision(s) of these Terms of Use shall be held to be unenforceable, such term(s) or provision(s) shall be enforced to the fullest extent permitted by applicable law and the remaining terms and provisions shall remain in full force and effect and shall be enforced to the fullest extent permitted by applicable law. In the event of any conflict between these Terms of Use and the terms of any other agreement you have with Lender, the terms of such other agreement shall control. Your access to and use of the Site are governed by the laws of the State of Illinois.
Information from Children: You must be 18 years old to use the Site.
Lender does not knowingly collect information from anyone under the age of 18, and Lender does not offer loans or any other products or services to anyone under the age of 18.
Effective Date: January 20, 2021.