dcsimg

Disclosures and Licenses

Quinstreet PL, Inc.
950 Tower Lane, 6th Floor,
Foster City, CA 94404
General Information: (650) 578-7632
NMLS ID: 1744499

Doing Business As: guidetolenders; AmOne

Parent Organization: QuinStreet PL, Inc., a California corporation (“QPL”) is a wholly-owned subsidiary of QuinStreet, Inc., a publicly traded company (NASDAQ: QNST).


Description of Services:

GuideToLenders.com ("GTL") is a website owned and operated by QuinStreet, Inc. QPL and its affiliated companies, including QuinStreet Media, Inc., a California corporation, use GTL as the site of a virtual marketplace where interested consumers can be made aware of lenders and related third parties (e.g. debt settlement, credit repair) who are seeking the opportunity to do business with people like them.

QPL provides administrative and marketplace services by attempting to connect consumers with service providers. QPL provides these services via GTL. QPL presents estimated offers and rates based upon consumer-provided information. QPL does not make credit decisions. The information consumers provide QPL is generally not sufficient for service providers to make credit decisions. QPL provides information to certain third parties as set forth in GTL’s Privacy Notice. QPL is not an agent of either the consumer or any service provider.

QPL is not a loan provider. QPL does not take applications or make credit decisions; credit decisions and terms are determined by service providers following the consumer’s submission of an application directly to the service provider.

Consumer's approval for a loan and rates displayed is not guaranteed. The consumer’s actual credit terms depend on credit history, income, loan terms and other factors. QPL receives compensation directly from service providers, not from consumers.

Federal Disclosures

Per its Privacy Notice, QPL will forward the information you provide to certain lenders and related service providers. These parties may be obligated to make certain disclosures to you as required by the Federal Truth In Lending Act (TILA) and other applicable federal and state laws. These disclosures may include details of your cost of credit. The federal Equal Credit Opportunity Act (ECOA) and state laws prohibit creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status, age, because all or part of the applicant's income derives from any public assistance program, or because the applicant has, in good faith, exercised any right under applicable laws. The Federal Trade Commission administers compliance with ECOA and may be contacted at: The Federal Trade Commission, Equal Credit Opportunity, Washington, D.C. 20580. QPL makes no representations as to the compliance with law or the adequacy of any disclosure provided by any lender or other service provider.

State Disclosures and License Information

Certain States may require QPL to obtain a license in order to provide these services within their state. Other States do not. Some States may require additional information disclosures be given to you in connection with the provision of these services. QPL reserves the right to refuse to accept or use the information you provide if such acceptance or use would constitute a violation of law or the terms and conditions of use for the GTL site www.guidetolenders.com. The following statements provide information that may be applicable to you if you reside in one of the listed States.


California:

Loans made or arranged pursuant to a California Finance Lenders Law, license number: 60DBO 83197


North Dakota:

Licensed as a North Dakota Money Broker, license number: MB103390

NMLS ID: 1744499


New Jersey:

Licensed as a Consumer Lender Corporation, license number: 1904060 C31.

QuinStreet PL, Inc., 950 Tower Lane, 6th Floor, Foster City, CA 94404.


Pennsylvania:

Licensed as a Pennsylvania Consumer Discount Company, license number: 71362.

Licensed as a Pennsylvania Credit Services Company, license number: 70744.

NMLS ID: 1744499


Texas:

Licensed as a Texas Regulated Lender, license number: 1900063546-162570.