PRIVACY POLICY

Tuesday, November 9, 2010

CreditedLoans.Com. (CreditedLoans.Com) is firmly committed to protecting
the confidentiality and integrity of our customers’ information. If we collect information, we protect and preserve its integrity. Whenever we make use of our customers’ information, we utilize it with discretion and solely for lawful purposes.  CreditedLoans.Com is a business built upon trust. We gain the confidence and reliance of our customers one at a time. Among the most essential duties we owe our customers is careful protection of private information. The information you provide deserves to be handled securely and discreetly. By the very nature of our business, CreditedLoans.Com is entrusted with a great deal of sensitive information about our customers, their finances, and sometimes even personal relationships. We recognize the uniquely private nature of this information and take great care to protect it.

Information practices.
Prevailing standards for businesses that collect personally identifiable information fall into four main categories: notice, choice, access and security. Stated differently, these information- gathering practices involve respectively
(a) disclosure of the company’s privacy policies,
(b) options and a voice about how one’s personal information is stored and used,
(c) an individual’s right to review, correct and contest data pertaining to him or her, and
(d) commitment to and assurances by the business that reasonable steps are taken to safeguard the information people have disclosed.
Notice. We will provide you with a copy of our current Privacy Policy annually and if we revise our policy to allow for disclosure to additional parties, we will provide you with an updated policy before any such disclosure is made. Since privacy is a dynamic and evolving concept, you can stay up to date with CreditedLoans.Com Privacy Policy by visiting our privacy web pages. If you want further information at any time, you can also contact us at privacy@globalcapitalcredt.org or by submitting an inquiry on our website.
Choice. If you want to make a change in how your information is employed and retained by CreditedLoans.Com, let us know. Log on to our secure website to modify your information or contact us at privacy@globalcapitalcredt.org, and we’ll adjust according to your wishes. Remember, however, that e-mails travel unprotected over the Internet so don’t send any information you want to remain confidential in your message.
Access. Curious about exactly what information you’ve provided to us? Want to supplement, update, or clarify your data, or challenge information you believe to be incorrect? If so, send an inquiry to privacy@globalcapitalcredt.org or log on to our secure website, which is the best and safest way to alert us of any potential discrepancy.
Security. Please occasionally revisit our privacy pages to keep informed about how CreditedLoans.Com stays current with the latest technological advances designed to ensure preservation of confidential information.
CreditedLoans.Com proudly adheres to these information-gathering precepts, incorporating them into our privacy procedures and overall business practices.
Furthermore, CreditedLoans.Com conducts business in accordance with the pertinent laws and regulations relating to our products and services, including the Gramm-Leach- Bliley Act (“GLB”). Under Title V of the GLB, an individual’s nonpublic personal information (“NPPI”) is afforded certain legal protections. Again, CreditedLoans.Com abides by and endorses the philosophy underlying the pertinent law. After all, it isn’t just an obligation: it’s also good business.
Whose privacy is protected?
CreditedLoans.Com business model is all about financial convenience and simplicity. Our customers are therefore both borrowers and lenders, individuals confident that we will safeguard their personal information with discretion.
Applicable laws employ definitional distinctions between a “consumer” and a “customer.” Such rules typically emphasize individuals’ privacy, rather than information pertaining to businesses or other entities. CreditedLoans.Com observes these distinctions too, although we of course respect the privacy of people and organizations alike. Generally, if you are an individual visiting our website because you’re simply contemplating CreditedLoans.Com services, then your privacy is protected under the status of a consumer. A specific type of
consumers, customers, are people who enter into more complex or enduring relationships with us. To take one example, if you request information from us or use our website to create a loan proposal for a friend or family member to review, then you may be entitled to protections as a “customer” even though you’re not yet obligated to create the proposed loan or in any way committed to a further relationship with CreditedLoans.Com. What all this means in practice is that CreditedLoans.Com will treat the information volunteered to us with utmost discretion. Our active customers, for example, can expect secure information storage and even annual notices regarding CreditedLoans.Com ’s Privacy Policy and the status of their information. As for those people who aren’t full-fledged CreditedLoans.Com customers, we will not share collected information except as permitted by law. Even after a relationship with CreditedLoans.Com ends, CreditedLoans.Com duties and commitment to both the borrower and lender endure. CreditedLoans.Com will continue to treat your information as though you actively remain our customer. CreditedLoans.Com will abide by applicable record-retention and privacy rules even after the loan has been repaid or otherwise has come to a close.  At all times, CreditedLoans.Com will furnish pertinent information where compelled or in order to comply with relevant law, in response to a subpoena, court order and other judicial processes, or as required by competent regulatory authorities.
What principles guide CreditedLoans.Com ’s Privacy Policy?
Given the sensitive nature of your identity, contact details and financial data, CreditedLoans.Com fully appreciates how important it is to protect the information. We can also understand if you wonder why we request the information we do. Our Privacy Policy is informed by the following principles:
• CreditedLoans.Com respects customers’ reasonable expectations when it comes to ensuring the personal information of consumers.
• Collection, retention, ,age and dissemination of customer information is limited to legitimate business purposes of CreditedLoans.Com and its affiliates, and when lawfully permitted or necessary to comply with legal requirements or to complete a transaction requested by a consumer.
• Fair information-gathering practices guide CreditedLoans.Com approach to requests for information. Notice, choice, access and security are the four underlying components of our collection process.
• CreditedLoans.Com limits internal access to information to personnel having legitimate business reasons. As a company and individuals, we at CreditedLoans.Com take your privacy rights seriously.
• Technological innovations and evolving standards for protecting privacy are foremost among CreditedLoans.Com objectives. When we believe new products, procedures or services will enhance the security of your information, CreditedLoans.Com will adopt additional security measures appropriate to the dynamic online environment in which we operate.
• CreditedLoans.Com will disclose customers’ information to unaffiliated third parties only for appropriate business purposes including companies that assist in our underwriting effort, when we have permission, are obliged by competent authorities or upon consent of the individual customer.
• To guard against “downstream” or third-party disclosure of your NPPI, entities such as your financial institution and our business partners may be required by CreditedLoans.Com to satisfactorily demonstrate compliance with applicable laws and regulations as well as compatibility with the CreditedLoans.Com Privacy Policy. If we learn or believe that a third party poses a risk to your NPPI, we may contact you (and, if appropriate, regulators and law-enforcement officials) to express that concern.
How broadly does privacy protection extend?
Privacy is rarely an absolute notion, and it probably shouldn’t be. Some people prefer an unlisted phone number, while the corner grocer gladly pays to have its number advertised. Entering a sweepstakes drawing which requests name and address is exciting for some people, yet intrusive for others. The point is clear: privacy is in large measure what the individual makes it. The question remains, however, as to how an individual’s personal information is safeguarded once it is characterized as private.  CreditedLoans.Com collects certain sensitive information to help us serve your financial needs, provide customer service, offer new products and services, and fulfill contractual, legal and regulatory requirements. The type of information that we collect varies according to the products or services that you requests, and may include: (i) Information included on your application and related forms (such as name, address, social security number, bank account information, assets and income); (ii) Information about your relationships with us (such as products or services purchased and payment history); and (iii) Information from other non- CreditedLoans.Com sources (such as consumer credit reports).  Recognizing this responsibility, we are committed in all instances to protecting the NPPI of our customers. In particular, CreditedLoans.Com takes a number of steps to comply with applicable laws regarding NPPI’s safeguarding. Keep in mind, however, that fully shielding NPPI is a mutual responsibility. Protect your CreditedLoans.Com account number, password and login information—they function as the keys to open and lock the door to your
important private information. Also remember that CreditedLoans.Com cannot guarantee the security and integrity of e-mails, which are subject to interception as they travel over the Internet. CreditedLoans.Com recommends you help ensure your own privacy by submitting confidential information over the secure online environment of our website established whenever you log in to CreditedLoans.Com.  A word to customers creating a loan due to a medical emergency: Health information merits heightened privacy protection, often even more than financial data. If your loan is intended to help weather unexpected medical costs, and you’ve confided that fact to us, rest assured that CreditedLoans.Com will never divulge this matter in any manner which can be attributed to you personally, unless we are required to do so by law.  CreditedLoans.Com suggests customers and website visitors periodically review this Privacy Policy for revisions. While we do exchange certain information with our customers’ financial institutions (for example, CreditedLoans.Com needs the routing number for direct deposit into a lender’s bank account), we do so with express permission or as necessary to process the transactions our customers request. In short, information is properly shared between two financial institutions on behalf of the individual, a person already trusting CreditedLoans.Com and the bank enough to be a customer of both institutions.

CreditedLoans.Com Permission Marketing Policy
CreditedLoans.Com delivers promotional and transactional emails to prospects and customers. Additionally, in order to provide you with innovative products and services that we believe may be of interest to you, we may from time to time share NPPI and other information we collect with affiliates of CreditedLoans.Com. If you would prefer that we not share information about you with our affiliates or send you promotional email, you may email us at If you decide that you no longer wish to subscribe to CreditedLoans.Com broadcast emails, please follow the instructions that are located at the bottom of those e-mail messages in order to unsubscribe (opt-out).

Updates
The version of the CreditedLoans.Com Privacy Policy posted online and related web pages supersedes all previously posted or issued versions of same as of the date specified. CreditedLoans.Com reserves the right to change this Privacy Policy at any time. Visitors to and users of the CreditedLoans.Com website are invited to return to the Privacy Policy and related pages periodically to check for revisions. Customers and others having pertinent relationships with CreditedLoans.Com may also be notified of changes to this policy by additional means including, but not limited to, e-mails, letters and telephone calls. We will provide customers with a copy of our current Privacy Policy annually and if we revise our policy to allow for disclosure to additional parties, we will provide our customers with an  updated policy before any such disclosure is made.© 2008 CreditedLoans.Com All rights reserved.

ELECTRON IC SIGNATURE (E-SIGN) AND UNIFOR M ELEC -
TRON IC TRANSACT IONS ACT (UETA ) DISCLOS URE AND
CONSENT AGREE MENT
This disclosure is given in compliance with the Electronic Signatures in Global and National
Commerce Act (“E-SIGN”) 15 USC §7001, et seq., and the Uniform Electronic Transactions
Act, as adopted by the various States.
This disclosure relates to services provided by CreditedLoans.Com, including but not limited to electronic fund transfers, the use of electronic signatures, and the use and storage of “electronic records” as defined in the E-SIGN Act. Pursuant to the E-SIGN Act and UETA: You have the right to request a paper copy of any electronic records created or provided to you as part of CreditedLoans.Com. There is no charge for this service. You may request paper versions of these documents by either sending a written request to CreditedLoans.Com. CreditedLoans.Com, by emailing your request to admin@bayshore.com, or by calling our Customer Service Department at 1(xxx) xxx-xxxx during normal business hours (ET).  By signing these Terms of Use, you are consenting to the use of electronic records as well as to the provision of disclosures and other communications via electronic means. You have the right to withdraw your consent at any time. To withdraw consent, you may send a written request to CreditedLoans.Com. CreditedLoans.Com, email your request to  info@bccnow.com.com, or call our Customer Service Department at 1(xxx) xxx-xxxx during normal business hours (ET). If consent is withdrawn, you will be provided with paper versions of all documents and all subsequent communications will be done either by phone or by regular mail.
To access electronic records on CreditedLoans.Com website you need the following hardware and software:
• computer with minimum of Windows 95 operating system
• Internet access
• Adobe Acrobat 5.0 or higher
• Web browser (Internet Explorer 4.0 or Netscape Navigator 7.0)

ELECTRON IC FUNDS TRANSFER (EFT) DISCLOS URE
Electronic Fund Transfers. Upon selection by and due written authorization by Lender and
Borrower, CreditedLoans.Com will effect electronic fund transfers (EFTs) via the Automated Clearing House (ACH) system. Such transfers may include debits and credits, including recurrent and preauthorized periodic transactions, to Lender’s and Borrower’s bank accounts consistent with the Electronic Fund Transfer Act, 15 U.S.C. §1693 et seq. (EFTA), Regulation E, the Electronic Signatures in Global and National Commerce Act of 2000, 15. U.S.C. §7001 et seq. (E-Sign), the terms of the Terms of Use and this Agreement. Borrower and Lender acknowledge the following:
1) scheduled EFTs are limited to no more than two per month, absent extenuating circumstances
or CreditedLoans.Com consent
2) there is a three [3] business day clearing period for all EFTs
3) the dollar amount of individual EFTs is limited to no more than $75,000.00
4) that there is the possibility of liability to both Borrower and Lender for any unauthorized EFT
5) a duty on both Borrower and Lender to promptly report such unauthorized transfers to CreditedLoans.Com and, where applicable, to the party’s financial institution
6) the right of both Borrower and Lender to stop payment or disbursement of a preauthorized EFT by notifying CreditedLoans.Com at least three [3] business days prior to a scheduled transfer and CreditedLoans.Com established procedures to initiate such stoppages
7) the right to receive documentation of EFTs electronically, or in paper format where the party explicitly requests
8) CreditedLoans.Com shall not be responsible for late or missed payments, payments made to unintended recipients due to the provision of incorrect information by Borrower or Lender or for payments made in incorrect amounts owing to error or omission by either Borrower or Lender
9) Borrower and Lender shall immediately notify CreditedLoans.Com of any changes to their bank account information. CreditedLoans.Com shall make commercially reasonable efforts to ensure payments are made accurately, but CreditedLoans.Com will not be responsible for any costs or liabilities incurred by Lender or Borrower resulting from inaccurate or outdated bank account information.
10) the necessity of occasional adjustment entries in either the Borrower’s or Lender’s accounts, including a reversal of a debit or credit, as a result of inaccurate or mistaken transfer
11 CreditedLoans.Com potential liability pursuant to the EFTA and other applicable laws and regulations.      
From time to time, it may be necessary for CreditedLoans.Com to verify the parties’ bank account information. Borrower and Lender each grant CreditedLoans.Com the right to validate the authenticity of their respective bank accounts and shall provide written authorization on behalf of CreditedLoans.Com if required by their respective lending institution. Neither Borrower nor Lender will request that CreditedLoans.Com effect fund transfers exceeding that party’s transfer limitations or the available balance of the nominated checking account (including any overdraft allowances by the party’s bank). If there are insufficient funds in Borrower’s checking account to cover a requested transaction, or if Borrower’s bank rejects a payment for any other reason, CreditedLoans.Com may charge the Borrower an Insufficient Funds Fee (“NSF fee”). In case of insufficient funds, Borrower will receive prompt notification and thereafter CreditedLoans.Com will attempt to present Borrower’s payment for a second time (along with the NSF fee, where applicable) according to the schedule set forth in that communication and absent timely objection by the Borrower. If, upon second presentment, the account still does not contain enough funds to cover the original request plus the NSF fee, Borrower will receive notification that the CreditedLoans.Com account
is in arrears and, where appropriate, has been disabled, and the Lender will be notified of Borrower’s inability to pay the authorized amount.  Borrower and Lender acknowledge that CreditedLoans.Com is not responsible for any problems or delays in the ACH, EFT or banking systems or for other problems or delays associated with such systems beyond its control. While CreditedLoans.Com shall attempt to expedite EFT transactions on behalf of Borrower and Lender, it will not be responsible for any costs or liabilities incurred by Borrower or Lender owing to delays beyond the time periods ordinarily required for funds clearance or to otherwise complete an ACH or EFT transaction.  In the event CreditedLoans.Com makes an EFT from Borrower’s account and is subsequently unable to collect those funds for any reason (including, without limitation, insufficient funds or fraud), the payment will be reversed and CreditedLoans.Com will withdraw such funds from the recipient’s account. Both Borrower and Lender expressly authorize such reversal consistent with the EFTA and customary and prevailing ACH rules. CreditedLoans.Com further reserves the right to use any and all other legal rights and remedies to recover amounts not collected via reversal of the payment as well as to recover other fees paid or losses incurred by CreditedLoans.Com resulting from the reversed transaction.  While a Borrower is free to select EFT repayment methods, Borrower acknowledges and Lender agrees and acknowledges that Lender shall not condition an extension of credit for Borrower’s benefit solely on the basis of Borrower’s assenting to preauthorized, recurrent EFT payments as the sole means by which repayments may be made.  Where applicable, relevant account information may be sent to a credit-reporting agency and/or a collection agency for further action. In addition, CreditedLoans.Com will report instances of fraud, misrepresentation or other unlawful activity to appropriate administrative, judicial and law-enforcement agencies.

ELECTRON IC FUNDS TRANSFER (EFT) DISCLOS URE CreditedLoans.Com
 CREDIT REPORT ING DISPUTE RESOLUTION
POLICY AND CREDIT REPORT INFOR MAT ION DISCLOS URE
Credit Reporting Dispute Resolution Policy

I. Dispute of credit reporting information by client
A. Notice of dispute
An individual who uses CreditedLoans.Com to administer payments on a loan transaction (“Consumer”) may dispute an entry on their credit report from a CreditedLoans.Com account by notifying CreditedLoans.Com either by mail or by other means available to the Consumer.  The Consumer shall provide the following information as part of any dispute of information provided by CreditedLoans.Com:
1) Name of Consumer
2) Name of Counterparty
3) A brief description of the disputed information
4) Address of Consumer or other means for CreditedLoans.Com to contact Consumer with results of investigation

B. Investigation of disputed information
Upon receipt of a notice of dispute from a Consumer, CreditedLoans.Com will, free of charge, conduct a reasonable investigation and make a determination of the status of the disputed information within three (3) business days of receipt of the notice of dispute from the Consumer. Said investigation shall include but is not limited to all relevant information provided by the Consumer. The determination shall be one of the following three options:
1) the dispute is frivolous or irrelevant and the information provided is accurate;
2) the disputed information is inaccurate; or
3) more information is necessary to make a final determination regarding the disputed information.

C. Notification of determination
Once a determination has been made regarding the disputed information, CreditedLoans.Com will notify the Consumer by mail or, if authorized by the consumer for that purpose, by other means available to CreditedLoans.Com within five (5) business days of the receipt of notice of dispute from the Consumer as to the determination regarding the disputed information. If CreditedLoans.Com determines that the dispute is frivolous or irrelevant: CreditedLoans.Com shall notify the Consumer by mail or, if authorized by the consumer for that purpose, by other means available to CreditedLoans.Com. Said notice shall include:
• the reasons for the determination; and
• identification of any information required to investigate the disputed information. If CreditedLoans.Com determines that the disputed information is inaccurate: Bayshore Commercial Capital shall notify the Consumer by mail or, if authorized by the consumer for that purpose, by other means available to CreditedLoans.Com within five (5) business days of the receipt of notice of dispute from the Consumer and will immediately notify all credit reporting agencies (“CRA”) to which CreditedLoans.Com provided said information and request that they delete or modify the information as appropriate.  If CreditedLoans.Com determines that more information is necessary to complete its investigation: CreditedLoans.Com will notify the Consumer, and the Consumer’s Counterparty if necessary, and request additional information from them to help make a final determination as to the disputed information.

D. Additional information request
Upon receipt of the additional information, CreditedLoans.Com shall make a final determination on the disputed information, considering all information provided by all parties, within thirty (30) days of receipt of the notice of dispute by CreditedLoans.Com under this section. Notice of said determination shall be forwarded to the Consumer as described above.

II. Dispute of credit reporting information by Credit Reporting Agency
A. Investigation of disputed information
Upon receipt of a notice of dispute from a CRA, CreditedLoans.Com will, free of charge, shall conduct a reasonable investigation and make a determination of the status of the disputed information within three (3) business days of receipt of the notice of dispute from the CRA. Said investigation shall review all relevant information provided by the CRA, including information given to the CRA by the consumer. The determination shall be one of the following three options:
1) the dispute is frivolous or irrelevant and the information provided is accurate;
2) the disputed information is inaccurate; or
3) more information is necessary to make a final determination regarding the disputed information.

B. Notification of determination
Once a determination has been made regarding the disputed information, CreditedLoans.Com will notify the CRA by mail or, if authorized by the CRA for that purpose, by other means available to CreditedLoans.Com within five (5) business days of the receipt of notice of dispute from the CRA as to the determination regarding the disputed information.
If CreditedLoans.Com determines that the dispute is frivolous or irrelevant:
CreditedLoans.Com shall notify the CRA by mail or, if authorized by the CRA for that
purpose, by other means available to CreditedLoans.Com. Said notice shall include:
• the reasons for the determination; and
• identification of any information required to investigate the disputed information.
If CreditedLoans.Com determines that the disputed information is inaccurate:
CreditedLoans.Com shall notify the CRA and the Consumer by mail or, if authorized
by the CRA or the Consumer for that purpose, by other means available to CreditedLoans.Com, within five (5) business days of the receipt of notice of dispute from the CRA and will immediately request that CRA delete or modify the information as appropriate.
If CreditedLoans.Com determines that more information is necessary to complete its investigation: CreditedLoans.Com will notify the CRA and the Consumer, and the Consumer’s Counterparty if necessary, and request additional information from them to help make a final determination as to the disputed information.
C. Additional information request
Upon receipt of the additional information, CreditedLoans.Com shall make a final determination on the disputed information, considering all information provided by all parties, within twenty five (25) days of receipt of the notice of dispute from the CRA. Notice of said determination shall then be forwarded to the CRA as described above.
Use of Credit Report Information
By signing the Terms of Use, you agree to allow CreditedLoans.Com to access your credit report no more than once every calendar year. These reports are obtained solely for CreditedLoans.Com s internal uses and information contained in any credit reports obtained by CreditedLoans.Com will remain strictly confidential and shall not be shared with any other party (See CreditedLoans.Com Privacy Policy).  Under the Fair Credit Reporting Act 15 U.S.C. 1681(b), CreditedLoans.Com has permissible purpose for obtaining credit reports as a loan servicer and for a legitimate business need.  If you have any questions, please feel free to contact CreditedLoans.Com: E-MAIL us at admin@globalcapitalcredit.org , or CALL toll-free: x.xxx.xxx.xxxx or write to CreditedLoans.Com.

ERROR RESOLUTION POLICY
CreditedLoans.Com provides this error-resolution notice in compliance with the Federal Reserve’s Regulation E, which governs electronic fund transfers (EFTs). You may recognize EFTs by other names, notably direct deposits and direct debits. Since you have selected EFTs in conjunction with your Loan transaction, the Federal Reserve requires that you be given initial and annual notices of your rights regarding error solution procedures involving your account and any EFTs relating to it which you believe may have been made incorrectly or contain an error. Please bear in mind that customer service is a top priority for us. Timeframes noted below are therefore the maximum periods allowed: CreditedLoans.Com objective of course remains to respond as promptly and accurately as possible to your inquiries.  Please retain this notice for your records and future reference. Further information regarding EFT error resolution is also available in the CreditedLoans.Com Terms of Use, to which you have previously indicated your consent. To review, print or electronically save the Terms of Use, visit www.bayshorecredit.com.

IN CASE OF ERRORS OR QUESTIONS ABOUT YOUR ELECTRONIC TRANSFERS:
LOG IN to CreditedLoans.Com secure website at: www.CreditedLoans.Com
or E-MAIL us at: admin@globalcapitalcredit.org
or CALL toll-free: 1.800.716.3370 or WRITE CreditedLoans.Com. at:
Address
Address
You should contact CreditedLoans.Com as soon as you can if you think there is a
problem with your account, that your confirmatory e-mail or statement is wrong, that an EFT was made incorrectly or in error, or if you simply need more information about an EFT or other transfer noted on a confirmatory e-mail or statement. We must hear from you
no later than sixty (60) days after we sent the FIRST confirmation in which the potential problem or error appeared. If you contact us regarding an error, please be sure to do the following:
1) Tell us your full name and CreditedLoans.Com account number;
2) Describe the error or the transfer you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information;
3) Tell us the exact dollar amount of the suspected error.
Please do NOT include sensitive information such as complete bank-account numbers if you wish to contact us via e-mail. CreditedLoans.Com recommends confidential communications sent electronically instead be made by logging in to your account on our secure website.  If you contact us orally, we may require that you also send CreditedLoans.Com your complaint or question in writing (including via e-mail or on our secure website) within ten (10) business days.  We will determine whether an error occurred within ten (10) business days after we receive contact from you, and will correct any error promptly. If we need more time, however, we may take up to forty five (45) days to investigate your complaint or question. If we decide to pursue such an investigation, we may credit your account within ten (10) business days for the amount you think is in error, so that you will have the use of the money during the time it takes us to complete our investigation. Such credits will be discretionary and made in good faith, taking into account the rights, obligations and expectations of both you and your counterparty under the terms of your Loan Agreement. If we ask you to put your complaint or question in writing and we do not receive it within ten (10) business days, we may not credit your account.  For errors involving new accounts or foreign-initiated transactions, we may take up to ninety (90) days to investigate your complaint or question. For new accounts, we may take up to twenty (20) business days to credit your account for the amount you think is in error.  We will tell you the results within three (3) business days after completing our investigation.  If we decide that there was no error, we will send you a written explanation (including via e-mail or as a message in your online account on our secure website). You may request copies or summations of documents and information used in our investigation. However, you are advised that given CreditedLoans.Com largely automated business methods and processes, our investigation may be conducted primarily or entirely by electronic means. Consequently, documentation provided to you may be in similar format or replicated from CreditedLoans.Com electronic investigation.

ERROR RESOLUTION POLICY THIRD PARTY REPRESENTA -TIVE POLICY
Lenders and Borrowers may designate individuals to act on their behalf in association with using CreditedLoans.Com Services (hereinafter “Representative”).
Definition of Representative. “Representative” means that person, real or legal, duly and demonstrably authorized by a Borrower, Lender or by a court or administrative body of competent jurisdiction to represent the interests of a party or parties in the positions of Borrower or Lender, whether such authorization is granted at or after creation of the Loan Documents. The term “Representative,” as used herein, shall supplement, substitute or be
deemed synonymous for the terms “Borrower” and/or “Lender” as may be applicable and as used in the Terms of Use, such as where an existent Representative stands in the place of the respective party or parties.
Confirmation of Representative’s Authority. Before a Borrower or Lender may utilize a Representative to act on their behalf, Representative and the party they seek to represent must complete all portions of the attached Representative Confirmation form and return it to CreditedLoans.Com.

Duties and Responsibilities of Representatives. By serving as a Representative, a
party agrees to and acknowledges the assumption of responsibility for representing the individual and/or collective interests of the authorizing party or parties, as the case may be, regarding the Loan Documents, whether by act or omission, as well as in all Communications with CreditedLoans.Com. Representative shall adequately and accurately convey any pertinent information regarding the Loan Agreement’s administration to the relevant authorizing party or parties not already communicated by CreditedLoans.Com. In addition to Communications with Representative, CreditedLoans.Com reserves the right to communicate with any Borrower or Lender including, but not limited to, substantially identical Communications made to any or all of them and independent Communications to one party or some parties only.
Communications with Representatives. A Representative will be recognized by CreditedLoans.Com as having authority to receive Communications and to represent any and all authorizing parties unless and until CreditedLoans.Com is expressly notified of revocation of such authority by Borrower, Lender or both (including multiple members of these defined terms), or by competent governmental officials, as may be applicable. Such authorization does not, however, preclude Borrower and Lender from representing or communicating on behalf of themselves. Absent express notification to CreditedLoans.Com revoking Representative’s authority, as described below, where applicable and feasible,
Representative’s instructions shall govern in the event of conflicting directions by any or all authorizing parties to CreditedLoans.Com. CreditedLoans.Com further reserves the right to refrain from any action where the parties’ instructions are or appear to be contradictory and CreditedLoans.Com shall not be liable for any losses suffered by any party as a result of using a Representative. Further, Borrower, Lender and Representative shall hold CreditedLoans.Com harmless from any and all claims arising from any disputes between any Borrower, Lender or Representative resulting from the use of a Representative to represent a particular party’s interests.
Termination of Use of Representative. Any party that authorizes a Representative to act on their behalf may terminate said authorization by contacting CreditedLoans.Com either by email at admin@globalcapitalcredit.org , or in writing at CreditedLoans.Com,  Attn: Customer Service Dept., CreditedLoans.Com.