Legal and licensing

Introduction

This On the Road Again Lending, LLC ("OTRA Lending" or "we") Online Acceptable Use Policy ("OAUP" or the "Policy") defines the acceptable use of all OTRA Lending online platforms, including without limitation, OTRA Lending's website on the world-wide-web, OTRA Lending's account origination and servicing portals, OTRA Lending's investment portals, OTRA Lending's social media pages, and any other online service, portal or platform owned or operated by OTRA Lending or its approved lending and investment vendors (the "Platforms"). By using the Platforms, you agree that you and any users who have gained access to the Platforms through your account ("Users") are responsible for compliance with this OAUP. You are responsible for violations of the OAUP by any User that accesses the Platforms through your account. We do not intend to control or monitor online experience or the content of online communications, but we reserve the right to and may edit or remove content that we deem to be in violation of the OAUP or that we otherwise deem unlawful, harmful, or offensive. The OAUP applies to all aspects of the Platforms. "OTRA Lending" means On the Road Again Lending, LLC and its affiliates (including direct and indirect subsidiaries). "OTRA Lending Network" includes, without limitation, OTRA Lending's constructed or leased transmission network, including all equipment, systems, facilities, services, and products incorporated or used in such transmission network.

This OAUP is designed to assist in protecting the OTRA Lending Network, the Platforms, their Users, and the entire Internet community from improper or illegal activity over the Internet. In situations where data communications are carried across networks of other Internet Service Providers (ISPs), Users of the OTRA Lending Network must also conform to the applicable acceptable use policies of such other ISPs.

OTRA Lending's Rights

OTRA Lending reserves the absolute right, at its sole and exclusive discretion, to suspend or terminate the service of or access to the Platforms if Users violate the OAUP while using the Platforms or is otherwise illegal or improper. OTRA Lending may attempt to notify you of any activity that violates the OAUP and request that the User cease such activity; however, OTRA Lending has the sole and absolute discretion to suspend or terminate your service or the User's access to the Platforms without notification for any reason or no reason. In addition, OTRA Lending may take any other appropriate action against a User who violates the OAUP. OTRA Lending does not make any promise, nor does it have any obligation, to monitor or police activity occurring on or through the Platforms, and OTRA Lending will have no liability to any party, including you, for any violation of the OAUP.

OTRA Lending will cooperate with law enforcement and other parties involved in investigating claims of illegal or inappropriate activity as appropriate or mandated by law. OTRA Lending reserves the right to disclose customer information to the extent authorized by federal or state law. In any instance involving child pornography, OTRA Lending complies with all applicable federal and state laws including providing notice to the National Center for the Missing and Exploited Children or other designated agencies. OTRA Lending reserves the right to modify this OAUP at any time without notice but will attempt to notify our customer of any such modifications by posting a revised version of the Policy on its Web site.

Filters

OTRA Lending reserves the right to install and use (or to require you install and use) any appropriate devices to prevent violations of this Policy, including devices designed to filter or terminate access to the Platforms.

Prohibited Actions or Uses

Users may not use the Platforms for any unlawful activities or in connection with any criminal or civil violation of the law or regulations. OTRA Lending expressly prohibits users to use the Platforms for transmission, distribution, retrieval, or storage of any information, data or other material that violates any applicable law or regulation (including, where applicable, any tariff or treaty). This includes, without limitation, the use or transmission of any data or material protected by copyright, trademark, trade secret, patent, or other intellectual property right without the proper authorization, as well as the transmission of any material that constitutes an illegal threat, violates export control laws, or is obscene, defamatory, or otherwise unlawful, inappropriate, or offensive communications or interactions with OTRA Lending employees or contractors.

Unauthorized Access

Users may not attempt to gain unauthorized access to, attempt to interfere with, or compromise the normal functioning, operation, or security of, any portion of the OTRA Lending Network or the Platforms.

Users may not use the Platforms to engage in any activities that may interfere with the ability of others to access or use the Platforms or the Internet. Users may not use the Platforms to monitor any data, information, or communications on any network or system without authorization. Users may not attempt to gain unauthorized access to the user accounts or passwords of other Users.

Unsolicited Email or SPAM

Users may not use the Platforms to transmit unsolicited commercial e-mail messages or deliberately send excessively large attachments to anyone. OTRA Lending prohibits Users from sending any unsolicited commercial e-mail messages, a series of unsolicited commercial e-mail messages, or large attachments sent to one or more recipients. In addition, OTRA Lending prohibits "spamming." Likewise, OTRA Lending strictly prohibits use of the service of another provider to send unsolicited commercial email or spam to promote a site hosted on or connected to the OTRA Lending Network. Further, Users may not use the Platforms to collect responses from mass unsolicited e-mail messages.

Complaints

OTRA Lending receives complaints directly from Internet users, through Internet organizations and through other parties or vendors. OTRA Lending will not determine the validity of complaints received before acting under this OAUP. OTRA Lending will deem a message unsolicited (in violation of this OAUP) if it receives a complaint from the recipient of commercial email whether received directly or through an anti-spamming organization. OTRA Lending has no obligation to forward the complaint to the User or to identify the complaining parties. OTRA Lending also prohibits the following:

• Advertising, transmitting, or otherwise making available any software, program, product, or service that is designed to violate this OAUP. This includes the facilitation of the means to deliver unsolicited commercial email.
• Any activity that disrupts, degrades, harms, or threatens to harm the OTRA Lending Network or the Platforms.
• Any use of another party's electronic mail server to relay email without express permission from such other party.
• Any other inappropriate activity or abuse of the Platforms (as we determine in our sole discretion) whether specifically listed in this Policy or not.

This listing of prohibited activities is not exhaustive and OTRA Lending reserves the right to determine that any conduct that is or could be harmful to the OTRA Lending Network, OTRA Lending's customers or Internet users is in violation of this Policy and to exercise any or all the remedies contained in this Policy.

User Obligations

Users are entirely responsible for maintaining the confidentiality of password and account information, as well as the security of their network. You agree immediately to notify OTRA Lending of any unauthorized use of your account or any other breach of security known to you. If you become aware of any violation of this Policy by any person, including Users that have accessed the Platforms through your account, you are required to notify us. All Users of the OTRA Lending Network are responsible for notifying OTRA Lending immediately if they become aware of an impending event that may negatively affect the OTRA Lending Network. This includes extortion threats that involve threats of "denial of service" attacks, unauthorized access, or other security events. All Users of the OTRA Lending Network are responsible for configuring their own systems to provide the maximum possible accountability. OTRA Lending shall not be liable for any damage caused by such system configurations regardless of whether such configurations have been authorized or requested by OTRA Lending.

Privacy

Because the Internet is an inherently open and insecure means of communication, any data or information a User transmits over the Internet may be susceptible to interception and alteration. Subject to our Online Privacy Policy and our corporate Privacy Notice, we make no guarantee regarding, and assume no liability for, the security and integrity of any data or information a User transmits via the Platforms or over the Internet, including any data or information transmitted via any server designated as "secure."

Additional Terms and Conditions

The use of the OTRA Lending Network by a customer of OTRA Lending is subject to the terms and conditions of any agreements between such customer and OTRA Lending. This Policy is incorporated into such agreements by reference.

Contact Information

Any complaints regarding prohibited use or other abuse of the OTRA Lending Network, including violations of this Policy, should be sent to OTRA Lending. Please include all applicable information that will assist OTRA Lending in investigating the complaint, including all applicable headers of forwarded messages.

Sites experiencing live attacks from OTRA Lending customers should call into our Quality Assurance Team at (888) 230-ROAD (7623) to submit a complaint as quickly as possible. Describe the urgency of the situation should you need immediate attention. If you are unsure whether any contemplated use or action is permitted, please submit questions or comments to OTRA Lending support.