Terms and Conditions

By using this website, you agree to these Terms and Conditions. If you do not agree, do not use this website. Fair Rate Funding (“FRF”), its associates, affiliates and/or subsidiaries reserve the right to refuse or terminate access to the website at any time for any reason whatsoever.

The material published at this website is for informational purposes only and is not intended to be legal or financial advice. Nor is the transmission of this information intended to create, and receipt does not constitute an attorney-client relationship. Nor is the transmission of this information intended to create a contractual relationship of any kind between any parties whatsoever. Users of this site, whether attorneys or laypersons, should not act in reliance upon this information without seeking professional advice in their respective state of residence or in the state or jurisdiction of the court in which their case is being heard and/or doing independent legal research.

The term “lawsuit loan” is used on this website solely as a marketing term and is actually not a loan but a transfer of property rights in the future proceeds of a claim or lawsuit, if any. If you are approved for funding, any money provided to you “non-recourse” which means if you do not get a recovery on your case, you or your attorney owes nothing in return. The fact that repayment is contingent on a successful recovery is a major difference between a “lawsuit loan”, “pre-settlement loan”, or “settlement loan” and traditional loans.

You must be age 18 or older and represented by a licensed attorney in order to apply for funding. Applying for funding either through this website, by telephone or otherwise, is not a guarantee of approval for funding nor does it constitute an offer of funding. By applying on this site, you hereby give us full permission to contact your attorney and request information on your case.

In order to be approved, cases must first be submitted along with the necessary case documentation to underwriting and evaluated by the underwriting department for review. Cases approved for funding may be approved for amounts substantially below requested amounts. Cases are evaluated on multiple factors including but not limited to liability, damages, venue, developmental stage and insurance coverage. Riskier cases are typically approved for funding at higher cost. Attorney funding requests are evaluated on additional factors including the firm’s financials and credit worthiness. Some approvals posted on this site may be a combination of plaintiff and attorney advances on the same case/action. All rates and fees published on this website are for informational purposes only and constitute average rates and fees. Actual rates and fees may vary and are subject to change at any time without notice.

Monthly fees (which vary from case to case), underwriting fees, and origination fees of up to 20% of the funding amount may potentially apply to your particular transaction. Normally, these fees are not paid “out of pocket” but are charges that will appear on the contract. Depending on whether your case results in a successful recovery, these fees are paid from the settlement proceeds. If you lose your case, nothing is repaid.

The length of time it takes to underwrite cases published on this website is an estimate and is intended for use for informational purposes only. Actual approval and funding times may vary according to various factors including case complexity, volume of cases in underwriting, access to pertinent information and availability of your attorney.

Fair Rate Funding (“FRF”) makes no claims, promises, or guarantees about the accuracy, completeness, or adequacy of the contents of this website and expressly disclaims liability for errors and omissions in the contents of this website.

FRF PROVIDES NO WARRANTIES, EXPRESS OR IMPLIED, INCLUDING WITHOUT LIMITATION THE IMPLIED WARRANTY OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT IN RELATION TO THIS WEBSITE. ANY OPINION EXPRESSED OR POSTED ON THE WEBSITE IS THE OPINION OF THE INDIVIDUAL AUTHOR AND NOT NECESSARILY THE OPINION OF FRF.

THE DISCLAIMER OF LIABILITY APPLIES TO ANY DAMAGES OR INJURY CAUSED BY FAILURE OF PERFORMANCE, ERROR, OMISSION, INTERRUPTION, DELETION, DEFECT, DELAY IN OPERATION OR TRANSMISSION, COMPUTER VIRUS, COMMUNICATION LINE FAILURE, THEFT OR DESTRUCTION. IN NO EVENT WILL FRF BE LIABLE FOR ANY DAMAGES, INCLUDING WITHOUT LIMITATION, DIRECT OR INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR EXEMPLARY OR PUNITIVE DAMAGES ARISING OUT OF OR RELATING TO THIS AGREEMENT. YOUR SOLE AND EXCLUSIVE REMEDY HEREUNDER SHALL BE FOR YOU TO DISCONTINUE YOUR USE OF THE WEBSITE AND TERMINATE THIS AGREEMENT. NOTWITHSTANDING ANYTHING HEREIN TO THE CONTRARY, FRF’S MAXIMUM AMOUNT OF DAMAGES FOR WHICH IT MAY BE LIABLE SHALL BE LIMITED TO THE AMOUNT YOU PAID TO ACCESS THIS WEBSITE.

You hereby indemnify and hold harmless and defend FRF, its managing members, employees, and agents for any losses, damages costs, expenses (including legal fees) or liabilities arising out of or relating to: (i) this agreement; (ii) your use of this website; and (iii) libelous, slanderous, indecent, or other statement concerning any person made or republished by you.

FRF is a direct lender but also reserves the right to use brokers, independent representatives and agents to market its products and the right to outsource, broker, fund or co-fund through other sources as it sees fit.

The content, organization, graphics, design, compilation, database, and other matters related to this website are owned by FRF and are protected by intellectual property laws and international intellectual property treaties. The copying, redistribution, use or publication by you of any matter or part of the website, is strictly prohibited. Fair Rate Funding, fairratefunding.com and associated logos are protected trademarks of FRF.

The websites linked to this website may not be under the control of FRF, and FRF does not assume any responsibility for the accuracy or reliability of any information, data, opinion, or advice given on these websites. FRF does not endorse nor sponsor any links provided.

By using this website, you hereby consent to the information-gathering and dissemination practices as set forth in our Privacy Statement.

The Terms and Conditions may be modified from time to time by FRF without notice to you. Please check these Terms and Conditions periodically for changes.

The Terms and Conditions and any disputes arising hereunder will be governed by and will be interpreted in accordance with New Jersey State law. Any legal action or claim brought or asserted under this agreement must be filed in Monmouth County, New Jersey and the parties to this agreement consent to jurisdiction of the courts in this county. If legal proceedings are required to enforce any provision herein, the prevailing party shall be entitled to an award of reasonable and necessary expenses of litigation, including reasonable attorneys’ fees and costs.

No failure or delay in exercising or enforcing any right or remedy hereunder by FRF shall constitute a waiver of any other right or remedy, or future exercise thereof. If any provision in this agreement is held to be invalid, such provision shall be deemed to be deleted from this agreement and the remaining provisions of this agreement shall continue in full force and effect.

If you have any questions about these Terms and Conditions, please contact:

Amex Legal Funding, LLC d/b/a Fair Rate Funding

1913 Atlantic Avenue

Suite 140

Manasquan, NJ 08736