Terms & Conditions

These Terms Of Use describe rules for visitors to this website, with a homepage located at www.lucidcapitalgroup.com. The website is owned and operated by Lucid Capital Group. When we use the words we or our, we mean Lucid Capital Group.

We may change these Terms of Use at any time. Please review the Terms of Use each time you visit the website. By using this website, it means you accept and agree to the Terms of Use.

OUR COPYRIGHTS AND TRADEMARK. The materials on this website belong to or are licensed to us, or they may belong to Manufactures or third parties. The materials are protected by United States and foreign copyright laws. There are some important rules about copying these materials. You may e-mail, download, or print copies of the materials on this website, but only for your personal, noncommercial use. When you e-mail, download, or print a copy of the materials on this website, you must also include all copyright and other notices that are in the materials, including the copyright notice on the bottom of the page.

We also own the names we use for our products and services on this website, and these names are protected by United States and foreign trademark laws. An ® following a name on our website indicates that the trademark has been registered in the United States. A™ following a name on our website indicates that it is an unregistered trademark. All trademarks are the property of their respective owners.

If you use the materials or trademarks on this website in a way that is not clearly allowed by these Terms of Use, you are violating your agreement with us and may be violating copyright, trademark, and other laws. In that case, we automatically revoke your permission to use this website and all related materials. Title and all rights to the materials remains with us or with the manufactures  or other authors of the materials contained on this website. All rights not expressly granted are reserved.

LINKS TO THIS WEBSITE AND USE OF LUCID CAPITAL GROUP MARKS. You are hereby granted a non-exclusive, limited, and revocable license to link to this website. Lucid Capital Group reserves the right to revoke this license generally, or your right to use specific links, at any time. If Lucid Capital Group revokes this license, you agree to remove and disable any and all of your links to this website.

You agree not to present your link to this website in such a way that it is associated with advertising or appears to be an endorsement of any organization, product, or service. You agree that the link will not appear on a website that a reasonable person may consider obscene, defamatory, harassing, grossly offensive, or malicious. Under no circumstances may you “frame” this website or any of its content or copy portions of this website to a server.

LINKS TO OTHER WEBSITES. This website may contain links to websites not owned or operated by Lucid Capital Group. We provide these links for your convenience, but we do not review, control, or monitor the materials on any other websites. We are not responsible for the performance of those websites or for your business dealings with them. Your use of other websites is subject to the terms of use of those websites.

ADVERTISING AND SPONSORSHIPS. This website may include advertisements for products or services offered by other companies. Although we believe you may find that information offered by advertisers is helpful, we do not endorse or guaranty any product or service offered by advertisers. We may receive payment from these advertisers.

YOUR FEEDBACK, COMMENTS AND IDEAS.  While we are pleased to receive feedback, comments and ideas from visitors to this website, we want you to understand that any information that you submit through this website, by email, or by postal mail will be considered non-personal, non-confidential, and non-proprietary. If you transmit any ideas, information, concepts, know-how or techniques or materials to us, you hereby grant Lucid Capital Group an unrestricted, royalty-free, irrevocable license to use, reproduce, display, perform, modify, transmit and distribute them in any medium, and agree that we are free to use them for any purpose. Also, remember that e-mail submissions over the Internet may not be secure.  Please consider this fact before e-mailing us any personal or confidential information.

NO WARRANTIES.  ALL CONTENT ON THIS WEBSITE IS PROVIDED TO YOU ON AN “AS IS,” “AS AVAILABLE” BASIS.  LUCID CAPITAL GROUP HEREBY DISCLAIM ALL WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, STATUTORY OR OTHERWISE INCLUDING BUT NOT LIMITED TO THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE AND NON-INFRINGEMENT.  LUCID CAPITAL GROUP MAKES NO WARRANTY AS TO THE ACCURACY, COMPLETENESS, CURRENCY, OR RELIABILITY OF ANY CONTENT AVAILABLE THROUGH THIS WEBSITE.

LUCID CAPITAL GROUP MAKES NO REPRESENTATIONS OR WARRANTIES THAT USE OF THIS WEBSITE WILL BE UNINTERRUPTED OR ERROR-FREE. YOU ARE RESPONSIBLE FOR TAKING ALL PRECAUTIONS NECESSARY TO ENSURE THAT ANY CONTENT YOU MAY OBTAIN FROM THIS WEBSITE IS FREE OF VIRUSES AND ANY OTHER POTENTIALLY DESTRUCTIVE COMPUTER CODE.

LUCID CAPITAL GROUP DOES NOT REPRESENT OR WARRANT THAT THE PRICING OF ANY ITEM ON THIS WEBSITE, INCLUDING THE AFFILIATE WEBSITES, IS ACCURATE OR CURRENT.  ALL SUCH PRICES ARE SUBJECT TO CHANGE WITHOUT NOTICE. ALL PRICING IS SUBJECT TO CONFIRMATION AND ACCEPTANCE BY LUCID CAPITAL GROUP.  LUCID CAPITAL GROUP IS NOT OBLIGATED TO HONOR ANY PRICING ERRORS OR OTHER MISTAKES THAT MAY APPEAR ON THIS WEBSITE.

Some states do not allow limitations on how long an implied warranty lasts, so the above limitation may not apply to you.

LIMITATION OF LIABILITY. YOU AGREE THAT NEITHER LUCID CAPITAL GROUP, NOR ANY PERSON OR COMPANY ASSOCIATED WITH LUCID CAPITAL GROUP SHALL BE LIABLE FOR ANY DAMAGE RESULTING FROM YOUR USE OR INABILITY TO USE THIS WEBSITE OR THE MATERIALS ON THIS WEBSITE. THIS PROTECTION COVERS CLAIMS BASED ON WARRANTY, CONTRACT, TORT, STRICT LIABILITY, AND ANY OTHER LEGAL THEORY. THIS PROTECTION COVERS LUCID CAPITAL GROUP AND ALL OF THEIR OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, AND SUPPLIERS MENTIONED ON THIS WEBSITE. THIS PROTECTION COVERS ALL LOSSES INCLUDING, WITHOUT LIMITATION, DIRECT OR INDIRECT, SPECIAL, INCIDENTAL, CONSEQUENTIAL, EXEMPLARY, AND PUNITIVE DAMAGES, PERSONAL INJURY/WRONGFUL DEATH, LOST PROFITS, OR DAMAGES RESULTING FROM LOST DATA OR BUSINESS INTERRUPTION.

THE TOTAL LIABILITY OF LUCID CAPITAL GROUP, ITS OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, SUPPLIERS,  FOR LOSSES OR DAMAGES SHALL BE LIMITED TO THE AMOUNT OF YOUR ACTUAL DAMAGES, NOT TO EXCEED U.S. $ 100.00. THE LIMIT OF LIABILITY MAY NOT BE EFFECTIVE IN SOME STATES. IN NO EVENT SHALL LUCID CAPITAL GROUP, ITS OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, SUPPLIERS,  BE LIABLE TO YOU FOR ANY LOSSES OR DAMAGES OTHER THAN THE AMOUNT DESCRIBED ABOVE. ALL OTHER DAMAGES, DIRECT OR INDIRECT, SPECIAL, INCIDENTAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE, RESULTING FROM ANY USE OF THE WEBSITE OR MATERIALS ARE EXCLUDED EVEN IF LUCID CAPITAL GROUP HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

TAXES. All sales are subject to applicable taxes, fees and charges including but not limited to sales tax.

YOUR CONDUCT ON THIS WEBSITE. You agree to follow the conduct rules listed below.
(a)  You will not knowingly provide any false, misleading, or fraudulent information.
(b) You will not use this website for any illegal purpose, nor will you provide any material or information in violation of any applicable law or regulation.
(c)  You will not hold yourself out as someone you are not or otherwise impersonate any person.
(d)  You will not interfere or tamper with the functioning of this website, nor will you attempt to gain access to information or control of the website not specifically granted to you.
(f) You will not use this website to transmit any virus or similar destructive program or code.
(g)  You will not compile any database or list of clients, nor will you use this website to facilitate the sending of any spam, bulk email, or email offering to sell goods or provide services.
(h) You will not use the website if you are not of legal age in any and all jurisdictions that may apply to any transaction.

TERMINATION OF ACCESS. Lucid Capital Group may terminate or suspend your access to this website if you (a) fail to follow the conduct rules or the Terms of Use, (b) violate any applicable law or regulation relating to your use of this website, (c) engage in any conduct which Lucid Capital Group, in its sole discretion, believes is offensive, harmful, defamatory, or otherwise harmful to Lucid Capital Group or a third party. In addition, Lucid Capital Group may discontinue all or part of this website at any time for any reason. If Lucid Capital Group terminates or suspends your access for any of the forgoing reasons, you are not entitled to any legal or equitable remedy.

OTHER RULES ABOUT THIS WEBSITE.

Your obligations under this section and the sections called “Your Feedback”, “No Warranties,”  “Limitation of Liability,” “Doing Business with Lucid Capital Group,” “Other Rules About this Website,” and any other sections which by their nature are intended to survive, will survive termination of these Terms of Use.

If any provision of these Terms of Use is found to be invalid by any court having competent jurisdiction, the invalidity of such provision shall not affect the validity of the remaining provisions of these Terms of Use, which shall remain in full force and effect. No waiver of any of these Terms of Use shall be deemed a further or continuing waiver of such term or condition or any other term or condition. If you violate these Terms of Use, you agree to defend, indemnify, and hold Lucid Capital Group including their owners, officers, shareholders, and employees, harmless against any loss, damage, or  liability for that harm.

By using this website, you agree that the only proper jurisdiction and venue for any dispute with Lucid Capital Group, or in any way relating to your use of this website, is in the state and federal courts in the State of California, U.S.A.  You further agree and consent to the exercise of personal jurisdiction in these courts in connection with any dispute involving Lucid Capital Group or its affiliates, employees, officers, directors, agents, suppliers, banks or manufactures.

These Terms of Use are governed by the internal substantive laws of the State of California, without respect to its conflict of laws principles, and the federal laws of the United States.

Disclosure Policy

The following disclosures are presented to you pursuant to the terms and conditions of our service agreement.  They are not required by any federal, state or local laws.  They are provided to you as informational services only and may not be construed as legal advice. We are not the lender and do not have access to the full terms of your loan.

The loans provided by the participating lenders in our network are term loans for 1 to 5 years. These types of loans are not a solution if you are facing long term debt and credit difficulties, and should not be used on a long-term basis. You should only borrow an amount that can be repaid within 1 to 5 years.

APR Disclosure

The Annual Percentage Rate is the rate at which your loan accrues interest. It is based upon the amount of your loan, cost of the loan, term of the loan, repayment amounts and timing of payments and payoff. By law, the lender must show you the APR before you enter into the loan. States have laws limiting the APR that the lender can charge you. Example Representative APRs vary from 7%-420%* for installment loans. For those that do not meet the minimum requirements for an installment loan, alternative loan solutions may be offered to you. Rates specified above are not applicable to alternative loan solutions. Please be sure your lender gives you the APR along with the other terms of your loan before you sign their agreement.

Credit Disclosure

Our participating lenders may verify your social security number, driver’s license number, national ID, or any other state or federal identification and review your information against national databases to include but not limited to Equifax, Transunion, Experian, Teletrack or DP Bureau to determine credit worthiness, credit standing and/or credit capacity. If they do, please know that this may lower your credit score. Some of our participating lenders will not perform credit checks with the three major credit reporting bureaus. Credit checks or consumer reports through alternative providers such as Teletrack or DP Bureau, typically will not affect your credit score. By submitting your registration through this website, you agree to allow participating lenders to verify your information and check your credit as described in their policies and terms.

Renewal Policies

Each participating lender has their own renewal policy. Some participating lenders will automatically renew your loans or will require your permission to renew your loan. Some participating lenders will not renew your loan. It is important for you to understand that extending the repayment period for a loan may result in additional interest, as well as other fees, which can greatly increase the total amount you pay back on a loan. Be sure to check if your lender automatically renews loans or requires your permission to renew the loan or will not renew. State laws often govern loan renewal policies. Be sure to know your state’s policies in regard to loan renewal and carefully read the lender’s terms before agreeing to and submitting your e-signature.

Late Payments

Each lender has its own criteria and policy when it comes to late payments. This may include additional fees and interest and may result in reports to the three major credit reporting bureaus causing your credit score to be lowered. Before you agree to a loan be sure you read and understand the implications of making late payments. Also, each state has rules and regulations in place that payday lenders must follow when assessing fees for late payments.

Implications of Non-Payment & Collections Practices

If you do not make the payments on your loan you may be responsible for additional fees and interest and collection costs. This may lower your credit score. Lenders are required by Federal and State law to use fair practices in their collection actions for a loan that has not been repaid. You are protected by the Fair Debt Collections Act, which includes limitation on how a lender may collect an unpaid balance including:

  • Not contacting you by phone before 8 am or after 9 pm.
  • Not harassing you or using abusive language towards you over the phone.
  • Not using deception to try to collect money from you.
  • Not threatening you with legal action if it is not permitted.

* LucidCapitalGroup.com is not a lender. Only your lender can provide you with information about your specific loan terms, including the APR, renewal, payments and implications for nonpayment or skipped payments. Example Representative APRs have been provided by participating lenders, however are subject to change and could be higher or lower based on the lenders criteria and credit worthiness. Please review the loan terms provided by your lender.

Fee’s

There is a one time credit pull & consulting fee for our services. The lender is required by federal law to present to you the terms of the loan, the rates and all costs associated with the loan prior to your executing the loan documents. Please review these carefully. At no time are you required to enter into a loan that you do not understand the terms, costs and rates or any other part of the loan documents. Please feel free to exit the process at any time as you are under no obligation to accept the loan presented.

This website takes consumer registrations and forwards it to potential lenders who have registered to participate in our network (“participating lenders”). Personal Loan amounts vary from $1,000 to $35,000.00. Not all lenders can provide up to $35,000.00. For those consumers who do not qualify for a Personal Loan, we will refer you to alternative lenders and providers. We are not a lender and do not broker loans.  We are a consulting company that helps place people with the correct lenders for a consulting fee.  We do not make loans of any type or credit decisions. We are not offering or soliciting you to participate in a loan. This site will submit your registration information to a lender in its network or a provider of lenders. Providing your information on this Website does not guarantee that you will be approved for a loan of any type. Cash transfer times may vary between lenders and may depend on your individual financial institution. In some circumstances faxing may be required. This service and lenders are not available in all states. For details, questions or concerns regarding your loan, please contact your lender directly. In some instances and for some products, the loan is meant to provide you with short term financing to solve immediate cash needs and should not be considered a long term solution. Lenders may or may not perform credit checks with the three credit reporting bureaus: Experian, Equifax, or Trans Union. Lenders may perform alternative credit checks or consumer reports through alternative providers. By submitting your request, you are authorizing the lenders to independently verify the information you submitted and your credit worthiness. This service does not constitute an offer or solicitation for loan products which are prohibited by any state law. This service and offer are void where prohibited.

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