Terms and Conditions

Last updated: Last updated: June, 2025
Please read these terms and conditions carefully before using Our Service.

Interpretation and Definitions

Interpretation
Words with initial capital letters have the meanings defined below.

Definitions
For the purposes of these Terms and Conditions:

  • Affiliate means an entity that controls, is controlled by or is under common control with a party, where “control” means ownership of 50% or more of the shares or equity interest entitled to vote for directors or other managing authority.
  • Arbitration means binding arbitration under the JAMS Streamlined Arbitration Rules & Procedures (or such other provider as agreed), including the waiver of class and jury trials.
  • Application refers to the Company’s mobile or desktop applications, if any.
  • CPRA means the California Privacy Rights Act of 2020, including implementing regulations, as amended.
  • CAN‑SPAM Act means the Controlling the Assault of Non‑Solicited Pornography And Marketing Act of 2003.
  • TCPA means the Telephone Consumer Protection Act of 1991.
  • Privacy Policy refers to our policy governing collection, use, and disclosure of personal information, including CCPA/CPRA provisions.
  • Service refers to the Website and Application.
  • State refers to the State of California, United States.
  • Terms means these Terms and Conditions.
  • Third‑Party Social Media Service means any service or content (data, information, products or services) provided by a third party and made available by the Service.
  • Website refers to AUE Lending, accessible via https://www.auelending.com.
  • You means the individual or legal entity accessing or using the Service.

Acknowledgment
These Terms govern Your use of the Service and form a binding agreement between You and the Company.
 By accessing or using the Service, You accept and agree to be bound by these Terms and our Privacy Policy (including CCPA/CPRA provisions).
 If You disagree with any part of the Terms, do not use the Service.
 You represent that You are at least 18 years old.

Links to Other Websites
Our Service may contain links to third‑party websites or services not owned or controlled by the Company.
 We are not responsible for their content, privacy practices, or accuracy.
 Please review any third‑party terms and privacy policies before use.

Communication and Consent for SMS and Email
SMS Messages (TCPA):
 We will only send SMS messages with Your prior express written consent.
 You may reply STOP to opt out or HELP for help.

Email Marketing (CAN‑SPAM):
 All promotional emails include a clear unsubscribe link and our physical mailing address.
 You may unsubscribe at any time via the link in the email.

Termination
We may suspend or terminate Your access immediately, without notice or liability, for any reason, including breach of these Terms.
 Upon termination, Your right to use the Service ceases.

Limitation of Liability
To the maximum extent permitted by law, the Company’s total liability for any claim under these Terms is limited to the greater of the amount You paid through the Service or $100 (USD).
 We are not liable for special, incidental, indirect, or consequential damages, even if advised of the possibility of such damages.
 Some jurisdictions (e.g., California Civil Code § 1788.30) may not allow certain exclusions; in such cases, liability is limited to the greatest extent permitted.

Disclaimer of Warranties
The Service is provided "AS IS" and "AS AVAILABLE," without any warranties, express or implied, including merchantability or fitness for a particular purpose.
 We do not guarantee uninterrupted service, error‑free operation, or protection from harmful components.
 Some jurisdictions may not allow certain disclaimers; where unenforceable, disclaimers apply to the maximum extent allowed.

Governing Law
These Terms and Your use of the Service are governed by the laws of the State of California, excluding conflict‑of‑law rules.

Dispute Resolution
Informal Resolution:
 Before initiating arbitration, You agree to contact us to attempt an informal resolution.
Arbitration:
 Any dispute will be resolved by binding arbitration (Arbitration).
 You and the Company waive any right to a jury trial or class action.

European Union Users
If You reside in the EU, You benefit from mandatory provisions of the law of Your residence country.

Severability and Waiver
If any provision is held invalid, it will be modified to achieve its objectives.
 Failure to enforce any right is not a waiver of future enforcement.

Changes to These Terms
We may modify these Terms at our discretion.
 If changes are material, we will provide at least 30 days’ notice by posting an updated date.
 Continued use after changes constitutes acceptance.

Contact Us
If you have any questions about these Terms, contact us:
  • By email: info@auelending.com
  • By phone: 1 (925) 940-8883
  • By mail: AUE Lending, Corporation
  • - NMLS: 21403511501 N Broadway #320, Walnut Creek, CA 94596

Security
We implement physical, technical, and administrative safeguards (e.g., SSL/TLS, PCI‑DSS compliance) to protect Your data.

Consumer Privacy Rights (CCPA/CPRA)
California residents may exercise rights to access, delete, correct, limit use of sensitive personal information, and opt out of data sale or sharing.
 To exercise these rights, please see our Privacy Policy or contact us at the address above.