Terms and Conditions

Welcome to NestBucks.com. This website, together with its subdomains and services (“Website”), is owned and operated by Silver Spring Research Inc., a New Jersey corporation, and its affiliates (“NestBucks” or “we” or “us”).

Please read the following Terms and Conditions (“Terms”) carefully before: (i) visiting or using this Website; and/or (ii) applying to use, or using, any services offered (the “Service”), so that you are aware of your legal rights and obligations with respect to NestBucks. All references to “User” or “You” or “you” include anyone who visits and uses this Site, including without limitation, the text, data, source code, software, photos, images, information, Services, services, products, tools, and other information. The Website and the Service are individually and collectively referred to herein as the “Services”.

These Terms apply to (i) all visitors and users of our Website; and (ii) all applicants to, and users of, our Service. Unless the Website and Service are separately referred to in these Terms, all references herein to the “Services” shall include both the Website and the Service.
We reserve the right to change or amend this Terms from time to time without notice. All changes shall be effective upon posting. You acknowledge and agree that it is your responsibility to review this Terms periodically to familiarize yourself with any modifications. We may change, suspend, terminate, or restrict your access to all or any part of the Website without cause, notice, or liability.
Limitations of Use and Compliance with Laws

You agree to use the Website and the Services, only for the purposes permitted by (a) the terms and conditions of this Terms, and (b) applicable laws, regulations, and generally accepted online practices and guidelines.

The Website and the Services are intended solely for Users who, if natural persons, are eighteen (18) years of age or older, and any registration by, use of, or access to the Website by natural persons under 18 years of age is unauthorized, unlicensed, and in violation of this Terms. By using the Website or any Services, you represent and warrant that, if you are a natural person, you are 18 years of age or older, and that you agree to and will abide by all the terms and conditions in this Terms.

Engaging in any activity that disrupts or interferes with the Website or the Services, including the servers and/or networks to which the Website or the Services are located or connected, is strictly prohibited. Attempting to copy, duplicate, reproduce, sell, trade, or resell the Website or the Services is strictly prohibited.

Consent to Doing Business Electronically (Consent)

Affirmative Consent

You will need to consent to receive communications and transact business with us online and electronically because NestBucks operates principally on the internet. This section informs you of your rights when receiving notices, reviews, analyses, information, disclosures, documents, communications, or other materials (altogether “Communications”) from us electronically. You certify, by accessing this Website, that you understand the requirements stated herein and consent to transact business electronically. You hereby agree that we may, at our sole discretion, deliver all Communications concerning you, your business, or NestBucks, including, without limitation, information, required or permitted to be provided to you and/or your business under this Terms or any other agreement between you and/or your business and NestBucks by means of email, posting on the Website, or other means of electronic communication. You will keep us informed of any change to your contact information (personal email or mailing address) so that you can continue to receive all Communications promptly. You have the right to receive a paper copy of any Communication by contacting us as described below and paying $5.00 per document to NestBucks.

Withdrawing Consent

You may withdraw your consent to receive Communications electronically by contacting us as described below. However, you acknowledge that we may continue to deliver Communications electronically to you after you withdraw consent that are either 1) required by law, or 2) relevant to our concluding any transactions that occurred while you were a User. The withdrawal of your consent will not affect the enforceability and legal validity of any business transacted between us prior to you withdrawing your consent, including this Terms or any other agreements. Any other further Communications after you withdraw consent, including Communications will be sent by other non-electronic means or by mail to the business address provided. We may cease providing electronic Communications at any time in our sole discretion.

If you withdraw your consent to receive Communications electronically, we will confirm your withdrawal and its effective date in writing by email.

Paper Copies

Any Communications will be provided to you and/or your business electronically either on our Website or via electronic mail to the email address you provide(d). If you require paper copies of such Communications, you may contact us as provided below and a paper copy will be sent to you after a payment of $5.00 per document requested. A request for a paper copy of any Communication will not be considered a withdrawal of your consent to receive Communications electronically.

How to Contact Us Regarding Electronic Disclosures

You can contact us via email at [email protected] or by calling us at (800) 828-4068. You may also reach us in writing to us at NestBucks, 460 Bloomfield Ave, Suite 308C, Montclair, NJ 07042, Attention: Compliance.
To withdraw your consent to receive communications electronically, please label your email or letter, or preface your call or email with:

 Withdrawing Consent

To update the email address at which you receive communications electronically or your mailing address, please label your email or letter, or preface your call or email with: Updated Email Address or Updated mailing address (as applicable)
To request paper copies, please label your email or letter, or preface your call or email with: Paper Copies

Hardware/Software Requirements

You should consider whether you have the following required hardware and software capabilities before you decide to do business electronically with us. In order to access and retain the Communications electronically, you will need to use a device with an internet connection, an up-to-date internet browser (Chrome, Firefox, Microsoft Edge, or Safari) capable of opening PDF files, a valid email address that has been provided to NestBucks, and a printer or an ability to save electronic Communications to your personal computer or device. You acknowledge that you can receive and access electronic Communications in the designated format(s) described herein, or other effective manner. For access and optimal printing of your documents in PDF format, please download Adobe Reader (here: http://get.adobe.com/reader/otherversions/). If you are accessing our Website electronically through a mobile device, such as a smartphone, tablet, or similar device, you must be able to save and print the transmitted Communications. You can find apps that support saving and printing for most mobile devices through your mobile device’s app store. If your mobile device does not have this functionality, you must access our Website through alternate means that provide you with the ability to save and print the Communications.
You agree to print a copy of this Consent for your records and you agree and acknowledge that you can access, receive and retain all Communications electronically sent via email or posted on the Website.

Consent to be Contacted

You hereby expressly consent to be contacted by us in any way, including SMS/MMS messages (including text messages), calls using artificial voice or prerecorded messages, and calls and messages delivered using an automated texting system or an automated telephone dialing system at the telephone number provided by you on this Website, any other number subsequently provided by you, or any number at which we reasonably believe we can reach you (through caller ID capture, skip trace, or other means). You consent to receive SMS/MMS messages (including text messages), calls and messages (including artificial voice and prerecorded and autodialed) from us, our representatives, agents, affiliates or anyone calling on our behalf, for any purpose in connection with this Website, your application, or your loan. Automated messages may be played when the telephone is answered, whether by you or someone else. If an agent or representative calls, he or she may also leave a message on your voicemail, answering machine, or send one via text. You represent that you are the authorized user or owner of any telephone number you provide. You represent that you are permitted to receive calls and/or messages at each of the telephone numbers you have provided to us. You agree to alert us whenever you stop using a particular telephone number you provided to us.

You understand and acknowledge that your carrier may charge fees for communications via text messaging, internet or telephone. Any and all fees are your sole responsibility. You also understand and agree that consent is not required as a condition of receiving credit.

Opting Out

You may revoke your consent to receive communications via text at any time by emailing us at [email protected], calling us at (800) 828-4068 or contacting us by mail at NestBucks, 460 Bloomfield Ave, Suite 308C, Montclair, NJ 07042, Attention: Compliance.

Call Monitoring and Recording

If you contact NestBucks (including our affiliates, representatives, agents, third parties, or anyone calling on our behalf) by phone or NestBucks (including our agents, representatives, affiliates, third parties, or anyone calling on our behalf) contacts you by phone, you agree that we may record the call and/or monitor for purposes including but not limited to training, quality assurance, risk management and/or collection purposes.

Offers and Promotional Materials

NestBucks may, from time to time, offer discount codes, discount coupons, discounted rates, reduced fees or other such promotional offers (altogether “Offers and Promotional Materials”) to certain Users. NestBucks expressly prohibits the reproduction of its Offers and Promotional Materials, unless specifically authorized in writing by NestBucks. Unless otherwise required by law or specifically authorized in writing by NestBucks, such Offers and Promotional Materials are non-transferable.

Marketing Content

NestBucks may display certain Services and tools for marketing and informational purposes on the Website. These illustrative items, including but not limited to loan rates, application timelines and payment calculators, may be based on historical applications chosen by us, and/or be based on most creditworthy applicants, and thus are not necessarily indicative of your individual situation. Additionally, these items or terms may be subject to change.

Access to Services

To access the Services, you may be required to provide certain information about your business and yourself as part of the registration process. You agree that any information you provide will be correct, accurate, and up to date.

You are responsible for maintaining login information associated with any account you use to access the Services confidential. Accordingly, you are responsible for all activities that occur under your account. Accessing (or attempting to access) any of the Website or the Services by any means other than through the means we provide, is strictly prohibited, and you agree not to access (or attempt to access) the Website or the Services through any automated or unconventional means without our written consent. You are solely responsible for any consequences, losses, or damages that we may directly or indirectly incur or suffer due to any unauthorized activities conducted by you.

Content Posting

We may provide links to various social media services. You understand that we do not pre-screen or monitor the content posted by Users of the open communication tools on these social media services, and it is your personal responsibility to use these tools in a responsible and ethical manner. By posting information or otherwise using any open communication tools made available on the social media services, you agree that you will not upload, post, share, or otherwise distribute any content that:
is illegal, threatening, defamatory, abusive, harassing, degrading, intimidating, fraudulent, deceptive, invasive, racist, or contains any type of suggestive, inappropriate, or explicit language;
infringes on any trademark, patent, trade secret, copyright, or any other proprietary right of any party;
contains any type of unauthorized or unsolicited advertising; and
impersonates any person or entity, including any NestBucks employees or representatives.
We have the right, in our sole discretion, to remove any content that we feel does not comply with this Terms, along with any content that we feel is otherwise harmful, offensive, inaccurate, objectionable, or violates any third-party copyrights or trademarks. You hereby consent to the removal of any content we may choose to remove, and you consent to waive any claim against us. We are not responsible for any failure or delay in removing any content.

We do not assume any liability or guarantee the accuracy of any content posted by you or any other third-party Users. Any content posted by you using any open communication tools on the social media services, provided that it does not violate or infringe on any third party copyrights or trademarks, becomes the sole property of NestBucks, and as such, gives us exclusive rights to reproduce, adapt, modify, publish, translate, distribute, and/or publicly display as we see fit.

User Disputes

You are solely responsible for your interactions with other Users. We reserve the right, but have no obligation, to monitor disputes between you and other Users.

Indemnification

You agree to indemnify and hold harmless NestBucks and its affiliates, and each of their directors, managers, officers, employees, agents, donors, and licensors, from and against all losses, damages, expenses, and costs, including reasonable attorneys’ fees, resulting from any violation of this Terms, your use of the Website or the Services, or the failure to fulfill any obligations relating to your account incurred by you or any other person using your account. We reserve the right to take over the exclusive defense of any claim for which we are entitled to indemnification under this Terms. In such event, you shall provide us with such cooperation as is reasonably requested by us.

Privacy

Your privacy is very important to us, which is why we have created a separate Privacy Policy (https://www.NestBucks.com/privacy-policy/) to explain how we collect, manage, secure, process, and store your private information. Our Privacy Policy is included under the scope of this 

Terms.
Limitation of Warranties

THE WEBSITE AND SERVICES MAY CONTAIN TECHNICAL ERRORS TYPOGRAPHICAL MISTAKES, OR OTHER INACCURACIES. NESTBUCKS DOES NOT UNDERTAKE THE RESPONSIBILITY TO UPDATE OR AMEND THE WEBSITE OR THE SERVICES OR TO PROVIDE SUPPORT FOR YOUR USE OF THE WEBSITE OR THE SERVICES. UNLESS OTHERWISE EXPRESSED, THE WEBSITE AND THE SERVICES ARE PROVIDED AS-IS, WITHOUT ANY WARRANTY AND NESTBUCKS EXPRESSLY DISCLAIMS ALL WARRANTIES AND CONDITIONS OF ANY KIND, WHETHER EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, ANY IMPLIED WARRANTIES AND CONDITIONS OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE OR NON-INFRINGEMENT, OR ANY WARRANTY THAT THE WEBSITE OR THE SERVICES ARE ACCURATE, ADEQUATE, OR FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS.

Furthermore, you understand and agree that:
– any content downloaded or otherwise obtained through the use of the Website or the Services is done at your own discretion and risk, and that you are solely responsible for any damage to your computer or other devices for any loss of data that may result from the download of such content; and
– no information or advice, whether expressed, implied, oral or written, obtained by you from NestBucks or its affiliates (and each of their agents or representatives) or through the Website or the Services we provide shall create any warranty, guarantee, or conditions of any kind, except for those expressly outlined in this Terms.

Limitation of Liability

UNDER NO CIRCUMSTANCES WILL NESTBUCKS OR ITS AFFILIATES BE LIABLE FOR ANY DAMAGES INCLUDING GENERAL, SPECIAL, DIRECT, INDIRECT, INCIDENTAL, CONSEQUENTIAL, PUNITIVE, OR ANY OTHER DAMAGES (INCLUDING, WITHOUT LIMITATION, LOST PROFITS OR BUSINESS INTERRUPTION) OF ANY KIND WHETHER IN AN ACTION IN CONTRACT OR NEGLIGENCE ARISING OR RELATING IN ANY WAY TO THE USE OR INABILITY TO USE BY ANY PARTY OF THE WEBSITE, THE SERVICES, OR ANY THIRD-PARTY WEBSITE TO WHICH THIS WEBSITE IS LINKED, OR IN CONNECTION WITH ANY FAILURE OF PERFORMANCE, ERROR, OMISSION, INTERRUPTION, DEFECT, DELAY IN OPERATION OR TRANSMISSION, COMPUTER VIRUS OR LINE OR SYSTEM FAILURE, EVEN IF NESTBUCKS, ITS AFFILIATES, OR REPRESENTATIVES THEREOF, ARE ADVISED OF THE POSSIBILITY OF SUCH DAMAGES, LOSSES, OR EXPENSES. NEITHER NESTBUCKS NOR ITS AFFILIATES ARE LIABLE FOR ANY DEFAMATORY, OFFENSIVE, OR ILLEGAL CONDUCT OF ANY USER. YOUR SOLE REMEDY FOR DISSATISFACTION WITH THIS WEBSITE IS TO STOP USING THE WEBSITE. IF YOUR USE OF MATERIALS FROM THIS WEBSITE RESULTS IN THE NEED FOR SERVICING, REPAIR, OR CORRECTION OF EQUIPMENT OR DATA, YOU ASSUME ANY COSTS THEREOF. IF THE FOREGOING LIMITATION IS FOUND TO BE INVALID, YOU AGREE THAT NESTBUCKS AND ITS AFFILIATES TOTAL LIABILITY TO YOU FOR ALL DAMAGES, LOSSES, OR CAUSES OF ACTION OF ANY KIND OR NATURE SHALL BE LIMITED TO THE AMOUNT YOU PAID, IF ANY, FOR THE USE OF THE WEBSITE.

Copyrights/Trademarks

All content and materials made available by NestBucks, including, but not limited to, the Website, Services text, graphics, website name, code, images, and logos are the intellectual property of NestBucks, its affiliates, or the original creator of the material, and are protected by applicable copyright and trademark law. Any inappropriate use, including but not limited to, the reproduction, distribution, display, or transmission of any content on this Website is strictly prohibited, unless specifically authorized in writing by NestBucks.

Other Agreements

In addition to this Terms, you may enter into other agreements with us that will govern your use of the Website or the Services. If there is any contradiction or conflict between this Terms and another agreement you enter into with us applicable to the Website or the Services, the other agreement shall take precedence in relation to the specific aspects of the Website or the Services.

Severability

If any part, term, or provision of this Terms is held to be illegal, in conflict with any law, or otherwise invalid, the remaining portion or portions shall be considered severable and not be affected, and the rights and obligations of the parties shall be construed and enforced as if this Terms did not contain the particular part, term, or provision held to be illegal or invalid.

Termination of Use

You agree that we may, at our sole discretion, limit, suspend, or terminate your access to all or part of the Website and the Services without notice and cause. Any suspected illegal, fraudulent, or abusive activity is also grounds for terminating your relationship and may be referred to appropriate law enforcement authorities. Upon suspension or termination of this Terms, your right to access or use the Website and the Services will immediately cease, and we reserve the right to remove or delete any information that you may have on file with us, including any account or login information.

Headings and Section References

Headings of the articles and sections in this Terms are for reference purposes only and shall not be deemed to have any substantive effect.

Governing Law

This Terms shall be construed and governed in accordance with the laws of the State of New Jersey, excluding conflicts of law provisions. Any action relating to this Terms shall be brought in the federal or state courts located in Essex County, New Jersey or the U.S. Federal District Court of the District of New Jersey. You hereby agree to personal jurisdiction by such courts, and waive any jurisdictional, venue, or inconvenient forum objections to such courts.

Contact Information

If you have questions regarding this Terms, the Website, or the Services, please contact us by e-mail at [email protected] or calling us at (800) 828-4068.
This document was last updated on September 30, 2024.