Welcome to GIANT AIBI !

We created the GIANT AIBI service to make it easy for borrowers to build applications that connect with banks and credit cards. These Terms of Use set forth here constitute a legally binding agreement between GIANT AIBI LLC. ("GIANT AIBI", "we", "us" or "our") and the individual(s), application, service, or business named on the registration page or API License Agreement ("you", "your", "user", or "client"). By registering with us on our website ("Site"), our API License Agreement, or by using our service in any way - you agree to these Terms of Use and all other operating rules, policies and procedures that will be published from time to time on the Site. The Site and GIANT AIBI service will be referred to together as the "Service".



GIANT AIBI Services

The Service enables applications to connect with end-user-authorized data from financial institutions including banks, card issuers, and card networks ("financial institutions"). Further, we attempt to structure, normalize, and cleanse the data we return to the client into a concise and highly functional format. GIANT AIBI currently supports financial institutions in the United States. We are neither a bank, money service business, nor payment processor – and we cannot assume any liability for the products or services that are built using our service.

Our services are accessible using the GIANT AIBI API and related tools made available on this site. GIANT AIBI makes no warranty for use of these services, which are provided "as-is" (see our disclaimer). You assume all risk for use of these services, as we cannot guarantee data quality, uptime, or other relative metrics. Our service is built to help you connect with end users' personal and financial information (such as from third party banks) ("End User Data"), and it is your responsibility to obtain your end-users' consent in compliance with the applicable legal requirements and rules. Further, use of our services for anything other than what is named in these Terms of Use or our Privacy Policy is prohibited.

GIANT AIBI supports certain financial institutions via GIANT AIBI's native technology. For other institutions (which we label "longtail institutions"), GIANT AIBI utilizes information passed from a third-party provider. When you access information from the longtail institutions, your usage is governed by these Terms of Use and the relevant Additional Provisions.



Registration

The Service is made available under these Terms of Use to individuals or businesses to collect End User Data. To sign up for the Service, you must create an account ("Account") by registering using our registration page or our API License Agreement and providing basic information including your name location, email address, personal details and phone number. You must provide accurate and complete information and keep your Account information updated. It is your responsibility to maintain access to your account; you may never share your account information with a third party or allow any other application or service to act as you.

By accepting these Terms of Use, you confirm that you, your business, your employees, and any others relating to you adhere to all local laws and regulations, especially those pertaining to financial and personally identifiable data.



Customer Service

We will provide customer service to help resolve any issues relating to your Account, our services, and the other use of our software. The extent and nature of such customer service may be determined by GIANT AIBI in its sole and absolute discretion. You, and you alone, are responsible for providing all customer service to your end-users for any and all issues relating to your product and services, including but not limited to issues relating to the Service.



Your Security Obligations

We cannot guarantee the security of our users' applications. We reserve the right to terminate a user without notice if we suspect that they are at risk of a security breach. While we cannot ensure that our users follow all the necessary security protocols, we strongly recommend that you adhere to the following minimum security protocols:

  • Use of PCI compliant servers
  • Use of HTTPS for all API requests (non-HTTPS requests are currently disabled)
  • Do not store end-user credentials or other sensitive personally identifiable information
  • Encryption of your client ID and secret in all storage and communication


It is your responsibility to maintain the security of your account information, including your Client Identification Number ("client ID") and Client Secret ("secret"). You must notify us immediately of any breach of security or unauthorized use of your Account. You may never publish, distribute or share your Client ID or Secret.



Privacy

Please review our Privacy Policy (which also governs your visit to our Site) to understand our practices Including the collection and use of personal identifiable information. Additionally, by using the Site, you acknowledge and agree that Internet transmissions are never completely private or secure. You understand that any message or information you send to the Site may be read or intercepted by others, notwithstanding GIANT AIBI's efforts to protect such transmissions.



Intellectual Property

This Site, the content, any materials downloaded, and all intellectual property pertaining to or contained on the Site (including but not limited to copyrights, patents, database rights, graphics, designs, text, logos, trade dress, trademarks and service marks) are owned by GIANT AIBI or third parties and all right, title and interest therein shall remain the property of GIANT AIBI and/or such third parties (collectively, the “Content”). All Content is protected by trade dress, copyright, patent and trademark laws, and various other intellectual property rights and unfair competition laws.

You are authorized solely to view and retain a copy of the pages of the Site for your own personal, non-commercial use. You may also view and make copies of relevant documents, pages, images or other materials on this Site for the purpose of transacting business with GIANT AIBI. You agree that you will not duplicate, publish, modify, create derivative works from, participate in the transfer of, post on the World Wide Web, or in any way distribute or exploit the Site, or any portion of the Site for any public or commercial use without the express written consent of GIANT AIBI. Additionally, you agree that you will not (i) remove or alter any author, trademark or other proprietary notice or legend displayed on the Site (or printed pages produced from the Site); and (ii) make any other modifications to any documents obtained from the Site other than in connection with completing information required to transact business with GIANT AIBI.



End User Data

Your product must maintain a clear and conspicuous link in its privacy policy to GIANT AIBI's Privacy Policy. Such link must include a clear and conspicuous statement that each end user acknowledges and agrees that information will be treated in accordance with such policy. You will ensure that each end user is put on notice of, and agrees to, such policy prior to engaging with your product in a manner that uses the Service. In addition, your product's end user agreement must include an express authorization by the end user expressly granting GIANT AIBI the right, power and authority to (acting on behalf of such end user) access and transmit the End User Data as reasonably necessary for GIANT AIBI to provide the Service to such end user. All of the foregoing must be done in a form and manner that is acceptable to GIANT AIBI. You will immediately make any changes requested by us.



Indemnity

By using the Site, you agree to defend, indemnify, and hold harmless GIANT AIBI from and against any and all losses, claims, damages, costs and expenses (including reasonable legal and accounting fees) that GIANT AIBI may become obligated to pay arising or resulting from your use of this Site, the Content, or your breach of these Terms of Use. GIANT AIBI reserves the right to assume or participate, at your expense, in the investigation, settlement and defense of any such action or claim.



Site Security

As a condition of your use of this Site, you agree that you will not, and you will not take any action intended to: (i) access data that is not intended for you; (ii) invade the privacy of, obtain the identity of, or obtain any personal information about any GIANT AIBI customer or user of this Site; (iii) probe, scan or test the vulnerability of this Site or the GIANT AIBI network or breach security or authentication measures without proper authorization; (iv) attempt to interfere with service to any user, host or network or otherwise attempt to disrupt our business, including, without limitation, via means of submitting a virus to this Site, overloading, “flooding,” “spamming,” “mail bombing” or “crashing;” or (v) send unsolicited mail, including promotions and/or advertising of products and services. Violations of system or network security may result in civil or criminal liability.



Termination

We may terminate or suspend your access to all or any part of the Service at any time, with or without cause, with or without notice, effective immediately. If you wish to terminate your account, you may do so by following the instructions on the Site. Any fees paid hereunder are non-refundable. All provisions of these Terms of Use, which by their nature should survive termination, shall survive termination, including, without limitation, ownership provisions, warranty disclaimers, indemnity and limitations of liability.



Limitation of Liability

EXCEPT WHERE PROHIBITED BY LAW, NEITHER GIANT AIBI, NOR ITS DIRECTORS, OFFICERS, EMPLOYEES, AGENTS, CONTRACTORS, SUCCESSORS OR ASSIGNS OF EACH, SHALL BE LIABLE TO YOU FOR ANY INDIRECT, CONSEQUENTIAL, EXEMPLARY, INCIDENTAL OR PUNITIVE DAMAGES, INCLUDING LOST PROFITS, EVEN IF GIANT AIBI HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. UNLESS OTHERWISE EXPRESSLY SET FORTH IN A WRITTEN AGREEMENT WITH YOU, GIANT AIBI’S MAXIMUM LIABILITY FOR ALL CLAIMS ARISING OUT OF OR RELATING TO THIS SITE, OR ITS CONTENT, WHETHER IN CONTRACT, TORT OR OTHERWISE SHALL BE LIMITED TO THE AMOUNT YOU PAID TO ACCESS THIS SITE.

Some jurisdictions do not allow limitations of liability, so the foregoing limitation may not apply to you



Disclaimers

GIANT AIBI DOES NOT PROMISE THAT THE SITE OR ANY CONTENT, DOCUMENT OR FEATURE OF THE SITE WILL BE ERROR-FREE OR UNINTERRUPTED, OR THAT ANY DEFECTS WILL BE CORRECTED OR THAT YOUR USE OF THE SITE WILL PROVIDE SPECIFIC RESULTS. THE MATERIAL IN THIS SITE COULD INCLUDE TECHNICAL INACCURACIES OR TYPOGRAPHICAL ERRORS. THE SITE AND ITS CONTENT ARE DELIVERED ON AN “AS-IS” AND “AS-AVAILABLE” BASIS. ALL INFORMATION PROVIDED ON THE SITE IS SUBJECT TO CHANGE WITHOUT NOTICE. GIANT AIBI CANNOT ENSURE THAT ANY FILES, DOCUMENTS OR OTHER DATA YOU DOWNLOAD FROM THE SITE WILL BE FREE OF VIRUSES OR CONTAMINATION OR DESTRUCTIVE FEATURES. GIANT AIBI DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING ANY WARRANTIES OF ACCURACY, NON-INFRINGEMENT, MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE. GIANT AIBI DISCLAIMS ANY AND ALL LIABILITY FOR THE ACTS, OMISSIONS AND CONDUCT OF ANY THIRD PARTIES IN CONNECTION WITH OR RELATED TO YOUR USE OF THE SITE. YOU ASSUME TOTAL RESPONSIBILITY FOR YOUR USE OF THE SITE AND ANY LINKED SITES. YOUR SOLE REMEDY AGAINST GIANT AIBI FOR DISSATISFACTION WITH THE SITE OR ANY CONTENT IS TO STOP USING THE SITE OR ANY SUCH CONTENT. THIS LIMITATION OF RELIEF IS A PART OF THE BARGAIN BETWEEN THE PARTIES.



Minors

This Site is intended solely for users who are eighteen (18) years of age or older. By using the Site, you represent and warrant that you are 18 or older.



Severability

Any failure by GIANT AIBI to exercise any rights or enforce any of these Terms of Use shall not constitute a waiver of such rights or terms with regard to the use of the Site. If any provision of these Terms of Use or their application in a particular circumstance is held to be invalid or unenforceable to any extent, the remainder of these Terms of Use, or the application of such provision in other circumstances, shall not be affected thereby, and each provision hereof shall be valid and enforced to the fullest extent permitted by law. These Terms of Use constitute the entire agreement between you and GIANT AIBI with regard to your use of the Site, and any and all other written or oral agreements or understandings previously existing between you and GIANT AIBI with respect to such use are hereby superseded and cancelled.



Law and Venue

This Site is located in the State of California. These Terms of Use and the relationship between you and GIANT AIBI shall be governed by the laws of the State of California without regard to its conflicts of law provisions. You agree to the personal jurisdiction by and venue in the state and federal courts in Los Angeles County, California, and agree and consent that such courts are the exclusive forum for litigation of any claim or cause of action arising out of or relating to your use of this Site or the Content. You agree that regardless of any statute or law to the contrary, any claim or cause of action arising out of or relating to your use of this Site or the Content must be filed within one year after such claim or cause of action arose or be forever barred.



Miscellaneous

Any failure by GIANT AIBI to exercise any rights or enforce any of these Terms of Use shall not constitute a waiver of such rights or terms. If any provision of these Terms of Use or their application in a particular circumstance is held to be invalid or unenforceable to any extent, the remainder of these Terms of Use, or the application of such provision in other circumstances, shall not be affected thereby, and each provision hereof shall be valid and enforced to the fullest extent permitted by law. These Terms of Use constitute the entire agreement between you and GIANT AIBI with regard to your use of the Site, and any and all other written or oral agreements or understandings previously existing between you and GIANT AIBI with respect to such use are hereby superseded and cancelled. GIANT AIBI will not accept any counter-offers to these Terms of Use, and all such offers are hereby rejected.

This Site and its Content are directed to persons residing in the United States. You may not use or export or re-export any portion of this Site or its Content in violation of any applicable laws or regulations, including without limitation United States export laws and regulations.



Credit Decision

Loan approval and actual loan terms depend on your ability to meet our standard credit criteria (including credit history, income, expenses and debts) and the availability of collateral. Loan amounts subject to state specific minimum or maximum size restrictions.

Residents in the following states are subject to the following loan size restrictions:

Alabama residents: $2,100 minimum loan amount. California residents: $3,000 minimum loan amount. Florida residents: Unless you are a present customer, $8,000 maximum loan amount for personal loans. Georgia residents: Unless you are a present customer, $3,100 minimum loan amount. Iowa residents: Unless you are a present customer, $8,500 maximum loan amount for personal loans. Maine residents: Unless you are a present customer, $7,000 maximum loan amount for personal loans. Mississippi residents: Unless you are a present customer, $7,500 maximum loan amount for personal loans. North Carolina residents: Unless you are a present customer, $7,500 maximum loan amount for personal loans. New York residents: Unless you are a present customer, $20,000 maximum loan amount for personal loans. Ohio residents: $2,000 minimum loan amount. Texas residents: Unless you are a present customer, $8,000 maximum loan amount for personal loans. Virginia residents: $2,600 minimum loan amount. West Virginia residents: Unless you are a present customer, $7,500 maximum loan amount for personal loans. GIANT AIBI personal loan is a loan which does not require you to provide collateral (such as a motor vehicle) to the lender.

Terms and Conditions Apply. GIANT AIBI RESERVES THE RIGHT TO MODIFY OR DISCONTINUE PRODUCTS AND BENEFITS AT ANY TIME WITHOUT NOTICE. To qualify, a borrower must be a U.S. citizen or permanent resident in an eligible state and meet GIANT AIBI's underwriting requirements. Not all borrowers receive the lowest rate. To qualify for the lowest rate, you must have a responsible financial history and meet other conditions. If approved, your actual rate will be within the range of 8% to 35.99% and will depend on a variety of factors, including term of loan, a responsible financial history, years of experience, income and other factors. Rates and Terms are subject to change at anytime without notice and are subject to state restrictions. GIANT AIBI's loans are private loans and do not have the same repayment options that the federal loan program offers such as Income Based Repayment or Income Contingent Repayment or PAYE.

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