{"component": "clause", "props": {"groups": [{"size": 6, "snippet_links": [{"key": "the-applicant", "type": "clause", "offset": [0, 13]}, {"key": "purpose-of-processing", "type": "clause", "offset": [34, 55]}, {"key": "the-applications", "type": "clause", "offset": [56, 72]}, {"key": "the-service-provider", "type": "clause", "offset": [74, 94]}, {"key": "exchange-information", "type": "clause", "offset": [99, 119]}, {"key": "credit-check", "type": "clause", "offset": [134, 146]}, {"key": "credit-reporting-agency", "type": "clause", "offset": [166, 189]}, {"key": "information-on", "type": "clause", "offset": [200, 214]}, {"key": "record-of", "type": "clause", "offset": [226, 235]}, {"key": "associated-person", "type": "clause", "offset": [257, 274]}, {"key": "other-information", "type": "definition", "offset": [314, 331]}, {"key": "necessary-for", "type": "definition", "offset": [398, 411]}], "samples": [{"hash": "291KBgwlzAg", "uri": "/contracts/291KBgwlzAg#application-processing", "label": "User Agreement for NBN Internet Services", "score": 29.2760772705, "published": true}, {"hash": "3x4NxBvI4HO", "uri": "/contracts/3x4NxBvI4HO#application-processing", "label": "User Agreement", "score": 28.3936290741, "published": true}, {"hash": "bLDcGHLB30V", "uri": "/contracts/bLDcGHLB30V#application-processing", "label": "User Agreement for Satellite Internet Services", "score": 28.3908920288, "published": true}], "snippet": "The Applicant agrees that for the purpose of processing the Applications, the Service Provider may exchange information and conduct a credit check with an authorised credit reporting agency to obtain information on the credit record of the Applicant or any associated person (\u201cCredit Record\u201d) and may request such other information, assistance or requirement as the Service Provider may believe is necessary for approving an Application.", "hash": "96d839b822b1f4f102304b297f95208a", "id": 1}, {"size": 4, "snippet_links": [{"key": "responsible-for-processing", "type": "clause", "offset": [29, 55]}, {"key": "an-agent", "type": "clause", "offset": [84, 92]}, {"key": "affiliate-program", "type": "definition", "offset": [103, 120]}, {"key": "the-w", "type": "clause", "offset": [162, 167]}, {"key": "web-site", "type": "definition", "offset": [179, 187]}, {"key": "no-commission", "type": "clause", "offset": [249, 262]}, {"key": "from-time-to-time", "type": "clause", "offset": [326, 343]}, {"key": "corporate-policies", "type": "clause", "offset": [359, 377]}, {"key": "the-price", "type": "clause", "offset": [400, 409]}, {"key": "by-the-customer", "type": "clause", "offset": [415, 430]}, {"key": "right-to-reject", "type": "clause", "offset": [447, 462]}, {"key": "comply-with", "type": "definition", "offset": [493, 504]}, {"key": "procedures-and-policies", "type": "clause", "offset": [526, 549]}], "samples": [{"hash": "eDwl1GrxrMG", "uri": "/contracts/eDwl1GrxrMG#application-processing", "label": "Affiliate Agreement (Wecosign, Inc.)", "score": 16.0, "published": true}, {"hash": "9FLDHCmXfay", "uri": "/contracts/9FLDHCmXfay#application-processing", "label": "Affiliate Agreement (Wecosign, Inc.)", "score": 16.0, "published": true}, {"hash": "68tgOSFqLYv", "uri": "/contracts/68tgOSFqLYv#application-processing", "label": "Affiliate Agreement (Wecosign, Inc.)", "score": 16.0, "published": true}], "snippet": "WECOSIGN\u2122 Inc will be solely responsible for processing every application placed by an agent under the Affiliate program. Customers who purchase services through the W ECOS IGN \u2122 web site or telephone will be deemed to be customers of WECOSIGN\u2122 and no commission will be paid. Prices of our rental guarantor services may vary from time to time. WECOSIGN\u2122 Inc corporate policies will always determine the price paid by the customer. We reserve the right to reject any application that does not comply with our rules, operating procedures and policies.", "hash": "0c8703d9f0e0dbb0e63daa20d1ee7423", "id": 2}, {"size": 4, "snippet_links": [{"key": "post-office", "type": "definition", "offset": [34, 45]}, {"key": "for-purposes-of", "type": "clause", "offset": [60, 75]}, {"key": "eligible-institutions", "type": "definition", "offset": [113, 134]}, {"key": "loan-applications", "type": "clause", "offset": [324, 341]}, {"key": "supporting-documents", "type": "clause", "offset": [346, 366]}, {"key": "to-verify", "type": "definition", "offset": [431, 440]}, {"key": "information-included", "type": "clause", "offset": [445, 465]}, {"key": "except-to-the-extent", "type": "clause", "offset": [500, 520]}, {"key": "required-by", "type": "definition", "offset": [521, 532]}, {"key": "education-act", "type": "definition", "offset": [537, 550]}, {"key": "applicable-regulations", "type": "clause", "offset": [554, 576]}, {"key": "the-guarantor", "type": "clause", "offset": [580, 593]}, {"key": "to-secure", "type": "clause", "offset": [638, 647]}, {"key": "disbursement-approval", "type": "clause", "offset": [648, 669]}, {"key": "interest-on-the", "type": "clause", "offset": [714, 729]}, {"key": "applicable-guarantor", "type": "definition", "offset": [754, 774]}, {"key": "be-responsible", "type": "clause", "offset": [785, 799]}, {"key": "and-coverage", "type": "clause", "offset": [907, 919]}, {"key": "to-borrower", "type": "definition", "offset": [966, 977]}, {"key": "all-notices", "type": "clause", "offset": [978, 989]}, {"key": "disclosures-required", "type": "clause", "offset": [1006, 1026]}, {"key": "borrower-a", "type": "definition", "offset": [1115, 1125]}, {"key": "the-promissory-note", "type": "clause", "offset": [1243, 1262]}, {"key": "related-documentation", "type": "clause", "offset": [1271, 1292]}, {"key": "the-us", "type": "clause", "offset": [1344, 1351]}, {"key": "other-fees", "type": "clause", "offset": [1382, 1392]}, {"key": "all-fees", "type": "clause", "offset": [1432, 1440]}, {"key": "disbursement-agent", "type": "definition", "offset": [1465, 1483]}, {"key": "the-parties-agree", "type": "clause", "offset": [1492, 1509]}, {"key": "in-writing", "type": "clause", "offset": [1520, 1530]}, {"key": "a-third-party", "type": "clause", "offset": [1555, 1568]}, {"key": "prior-to-delivery", "type": "clause", "offset": [1620, 1637]}, {"key": "loans-to", "type": "clause", "offset": [1655, 1663]}, {"key": "no-liability", "type": "definition", "offset": [1693, 1705]}, {"key": "responsibility-for", "type": "clause", "offset": [1709, 1727]}], "samples": [{"hash": "jQ9snS8lwNN", "uri": "/contracts/jQ9snS8lwNN#application-processing", "label": "Credit Agreement (Nelnet Inc)", "score": 18.0, "published": true}, {"hash": "9kLBuWp0U38", "uri": "/contracts/9kLBuWp0U38#application-processing", "label": "Credit Agreement (Nelnet Inc)", "score": 18.0, "published": true}, {"hash": "8LBCUL00v6D", "uri": "/contracts/8LBCUL00v6D#application-processing", "label": "Security Agreement (Nelnet Inc)", "score": 18.0, "published": true}], "snippet": "Servicer shall maintain a special post office drawer or box for purposes of receiving applications directly from Eligible Institutions, Borrowers or Lender. Servicer shall process applications received at the drawer or box or otherwise received at Servicer's office, as follows:\n(a) Servicer shall verify that all Education Loan applications and supporting documents are complete, provided, however, Servicer shall not be required to verify any information included in an Education Loan application (except to the extent required by the Education Act or applicable Regulations of the Guarantor);\n(b) Servicer shall perform acts necessary to secure disbursement approval and insurance coverage of the principal and interest on the Education Loan from the applicable Guarantor and shall be responsible for all communication and contact with such Guarantor necessary or appropriate to accomplish such approval and coverage;\n(c) Servicer shall prepare and mail directly to Borrower all notices, statements and disclosures required under the Education Act;\n(d) Servicer shall, if necessary, prepare and mail directly to Borrower a replacement or other necessary promissory note, together with appropriate instructions for execution and delivery of the promissory note and any related documentation; Lender shall be solely responsible for payment to the U.S. Government of origination or other fees required by the Education Act, and for all fees required by any central disbursement agent, unless the parties agree otherwise in writing. If Lender is utilizing a third party disbursement agent to disburse its Education Loans prior to delivery of the Education Loans to Servicer, Servicer will have no liability or responsibility for the tasks set forth in subsections (a) - (d) above nor for reconciliation issues arising from such process.", "hash": "9c99d47aba6bef43d73003b43a3eed72", "id": 3}, {"size": 3, "snippet_links": [{"key": "on-behalf-of", "type": "clause", "offset": [5, 17]}, {"key": "loan-applications", "type": "clause", "offset": [67, 84]}, {"key": "loan-application-form", "type": "definition", "offset": [114, 135]}, {"key": "by-bank", "type": "clause", "offset": [153, 160]}, {"key": "program-guidelines", "type": "definition", "offset": [259, 277]}, {"key": "to-bank", "type": "definition", "offset": [278, 285]}, {"key": "processing-agent", "type": "clause", "offset": [310, 326]}, {"key": "both-parties", "type": "clause", "offset": [386, 398]}, {"key": "to-verify", "type": "definition", "offset": [456, 465]}, {"key": "with-applicable-laws", "type": "clause", "offset": [513, 533]}, {"key": "further-steps", "type": "clause", "offset": [576, 589]}, {"key": "reasonably-necessary", "type": "clause", "offset": [603, 623]}, {"key": "in-connection-with", "type": "clause", "offset": [641, 659]}, {"key": "in-accordance-with", "type": "definition", "offset": [783, 801]}, {"key": "policy-and-procedure", "type": "definition", "offset": [849, 869]}, {"key": "bank-secrecy-act-policy", "type": "definition", "offset": [890, 913]}, {"key": "respond-to", "type": "clause", "offset": [926, 936]}, {"key": "the-loan", "type": "clause", "offset": [982, 990]}, {"key": "application-process", "type": "clause", "offset": [991, 1010]}, {"key": "without-limiting-the-foregoing", "type": "clause", "offset": [1012, 1042]}, {"key": "at-bank", "type": "clause", "offset": [1044, 1051]}, {"key": "make-available", "type": "definition", "offset": [1073, 1087]}, {"key": "vendor-to", "type": "clause", "offset": [1113, 1122]}, {"key": "know-your-customer", "type": "definition", "offset": [1144, 1162]}, {"key": "compliance-determinations", "type": "clause", "offset": [1260, 1285]}, {"key": "all-information", "type": "clause", "offset": [1297, 1312]}, {"key": "related-to", "type": "definition", "offset": [1313, 1323]}, {"key": "customer-due-diligence", "type": "clause", "offset": [1344, 1366]}, {"key": "enhanced-due-diligence", "type": "clause", "offset": [1368, 1390]}, {"key": "politically-exposed-persons", "type": "definition", "offset": [1392, 1419]}, {"key": "beneficial-ownership", "type": "definition", "offset": [1425, 1445]}, {"key": "for-bank", "type": "clause", "offset": [1480, 1488]}, {"key": "comply-with", "type": "definition", "offset": [1492, 1503]}, {"key": "recordkeeping-and-reporting-requirements", "type": "clause", "offset": [1504, 1544]}, {"key": "other-resources", "type": "clause", "offset": [1579, 1594]}, {"key": "policies-and-procedures", "type": "definition", "offset": [1683, 1706]}, {"key": "reject-applications", "type": "clause", "offset": [1711, 1730]}, {"key": "compliance-risks", "type": "clause", "offset": [1831, 1847]}], "samples": [{"hash": "lFmuhsNYcUO", "uri": "/contracts/lFmuhsNYcUO#application-processing", "label": "Loan Program Agreement (Upstart Holdings, Inc.)", "score": 31.9240245819, "published": true}, {"hash": "jkziKs3RIim", "uri": "/contracts/jkziKs3RIim#application-processing", "label": "Loan Program Agreement (Upstart Holdings, Inc.)", "score": 31.8446273804, "published": true}, {"hash": "dTOL55Sgud3", "uri": "/contracts/dTOL55Sgud3#application-processing", "label": "Loan Program Agreement (Upstart Holdings, Inc.)", "score": 31.3627643585, "published": true}], "snippet": "UNI, on behalf of Bank and through the UNI Platform, shall process Loan Applications from Loan Applicants using a Loan Application form that is approved by Bank. The UNI Platform shall be configured to forward all completed Loan Applications that satisfy the Program Guidelines to Bank (or its designated loan processing agent) electronically or by other appropriate means agreeable to both parties. UNI, on behalf of Bank, shall take appropriate measures to verify the identity of all Loan Applicants consistent with Applicable Laws and the Program Guidelines, and take such further steps as UNI deems reasonably necessary to prevent fraud in connection with the Program. UNI will (i) refer only Loan Applications to Bank for Loan Applicants that have had their identities verified in accordance with the Program\u2019s anti-money laundering compliance policy and procedure (collectively, the \u201cBank Secrecy Act Policy\u201d), and (ii) respond to all inquiries from Loan Applicants regarding the Loan Application process. Without limiting the foregoing, at Bank\u2019s request, UNI shall make available, or cause its authorized vendor to make available, all \u201cKnow Your Customer\u201d and anti-money laundering screening information obtained regarding Applicants to Bank for final compliance determinations, including all information related to Know Your Customer, Customer Due Diligence, Enhanced Due Diligence, Politically Exposed Persons, and beneficial ownership, as well as information necessary for Bank to comply with recordkeeping and reporting requirements. UNI will use screening lists and other resources designated by Bank, which lists and resources will be updated in accordance with Bank\u2019s policies and procedures, to reject applications where applicant identities cannot be adequately validated or from applicants that appear to present compliance risks such policies are designed to eliminate.", "hash": "f0bf753b1611f80c639d1eee2d07e3bf", "id": 4}, {"size": 3, "snippet_links": [{"key": "to-apply", "type": "clause", "offset": [3, 11]}, {"key": "emergency-funds", "type": "clause", "offset": [23, 38]}, {"key": "family-unit", "type": "clause", "offset": [42, 53]}, {"key": "combined-application", "type": "definition", "offset": [81, 101]}, {"key": "other-forms", "type": "clause", "offset": [109, 120]}, {"key": "human-services", "type": "clause", "offset": [150, 164]}, {"key": "to-determine", "type": "clause", "offset": [204, 216]}, {"key": "emergency-circumstances", "type": "clause", "offset": [233, 256]}, {"key": "prior-to", "type": "clause", "offset": [269, 277]}, {"key": "days-after", "type": "definition", "offset": [320, 330]}, {"key": "completed-application", "type": "definition", "offset": [372, 393]}, {"key": "in-writing", "type": "clause", "offset": [460, 470]}, {"key": "the-application", "type": "clause", "offset": [479, 494]}, {"key": "eligibility-for", "type": "clause", "offset": [545, 560]}, {"key": "the-family", "type": "clause", "offset": [572, 582]}, {"key": "the-date-of-application", "type": "definition", "offset": [614, 637]}], "samples": [{"hash": "cJfMOAmg7sY", "uri": "/contracts/cJfMOAmg7sY#application-processing", "label": "Biennial Service Agreement", "score": 27.6474990845, "published": true}, {"hash": "75U6KQZtPqh", "uri": "/contracts/75U6KQZtPqh#application-processing", "label": "Biennial Service Agreement", "score": 25.7915630341, "published": true}, {"hash": "406gKxpNc3Q", "uri": "/contracts/406gKxpNc3Q#application-processing", "label": "Biennial Service Agreement", "score": 20.1149902344, "published": true}], "snippet": "A. To apply for Family Emergency Funds, a family unit shall have completed a DHS Combined Application and/or other forms designated by \u2587\u2587\u2587\u2587\u2587\u2587\u2587 County Human Services.\nB. Verification of all factors needed to determine eligibility and emergency circumstances is required prior to issuance of emergency funds.\nC. Within 30 days after \u2587\u2587\u2587\u2587\u2587\u2587\u2587 County Human Services receives a completed application with the necessary verifications, the household shall be notified in writing whether the application was approved, denied, or pended.\nD. The period of eligibility for the use of the Family Emergency Fund is 30 days from the date of application.", "hash": "332ef1536d20f6c742726a6df2f17979", "id": 5}, {"size": 3, "snippet_links": [{"key": "agent-shall", "type": "definition", "offset": [9, 20]}, {"key": "loan-applications", "type": "clause", "offset": [32, 49]}, {"key": "assistance-to", "type": "clause", "offset": [96, 109]}, {"key": "loan-applicant", "type": "definition", "offset": [115, 129]}, {"key": "on-behalf-of", "type": "clause", "offset": [173, 185]}, {"key": "applications-for", "type": "clause", "offset": [218, 234]}, {"key": "compliance-with-the-credit-policy", "type": "clause", "offset": [235, 268]}, {"key": "underwriting-procedures", "type": "clause", "offset": [273, 296]}, {"key": "to-verify", "type": "definition", "offset": [329, 338]}, {"key": "with-applicable-laws", "type": "clause", "offset": [386, 406]}, {"key": "program-guidelines", "type": "definition", "offset": [415, 433]}, {"key": "further-steps", "type": "clause", "offset": [449, 462]}, {"key": "reasonably-necessary", "type": "clause", "offset": [475, 495]}, {"key": "in-connection-with", "type": "clause", "offset": [513, 531]}, {"key": "to-bank", "type": "definition", "offset": [680, 687]}, {"key": "processing-agent", "type": "clause", "offset": [712, 728]}], "samples": [{"hash": "64kUI456Uv6", "uri": "/contracts/64kUI456Uv6#application-processing", "label": "Loan Program Agreement (Affirm Holdings, Inc.)", "score": 31.9733066559, "published": true}, {"hash": "7jB6KIqGoWp", "uri": "/contracts/7jB6KIqGoWp#application-processing", "label": "Loan Program Agreement (Affirm Holdings, Inc.)", "score": 31.8856945038, "published": true}], "snippet": "Platform Agent shall (i) accept Loan Applications from Loan Applicants, (ii) provide reasonable assistance to each Loan Applicant in completing such Loan Application, (iii) on behalf of Bank, review all completed Loan Applications for compliance with the Credit Policy and Underwriting Procedures, (iv) take appropriate measures to verify the identity of all Loan Applicants consistent with Applicable Laws and the Program Guidelines, (v) take such further steps as it deems reasonably necessary to prevent fraud in connection with the Program and (vi) forward completed Loan Applications that meet the Credit Policy and the Underwriting Procedures and Platform Agent\u2019s standards to Bank (or its designated loan processing agent) electronically or by other appropriate means acceptable to Platform Agent and Bank.", "hash": "8fb9a6335d0f5191770fab39c538e957", "id": 6}, {"size": 3, "snippet_links": [{"key": "on-behalf-of", "type": "clause", "offset": [4, 16]}, {"key": "at-all-times", "type": "definition", "offset": [27, 39]}, {"key": "in-compliance-with", "type": "definition", "offset": [40, 58]}, {"key": "credit-policy", "type": "clause", "offset": [66, 79]}, {"key": "applications-for", "type": "clause", "offset": [157, 173]}, {"key": "not-limited", "type": "clause", "offset": [212, 223]}, {"key": "credit-reports", "type": "clause", "offset": [238, 252]}, {"key": "whether-the-applicant", "type": "clause", "offset": [285, 306]}, {"key": "eligibility-criteria", "type": "clause", "offset": [328, 348]}, {"key": "establishment-of", "type": "clause", "offset": [357, 373]}, {"key": "a-loan", "type": "definition", "offset": [374, 380]}, {"key": "for-bank", "type": "clause", "offset": [424, 432]}, {"key": "social-security-number", "type": "definition", "offset": [452, 474]}, {"key": "date-of-birth", "type": "clause", "offset": [476, 489]}, {"key": "by-the-bank", "type": "clause", "offset": [525, 536]}, {"key": "no-discretion", "type": "clause", "offset": [660, 673]}, {"key": "with-respect-to", "type": "clause", "offset": [707, 722]}, {"key": "by-bank", "type": "clause", "offset": [803, 810]}, {"key": "authorization-requests", "type": "clause", "offset": [847, 869]}, {"key": "in-accordance-with", "type": "definition", "offset": [870, 888]}, {"key": "to-inquiries", "type": "clause", "offset": [1106, 1118]}, {"key": "the-application-process", "type": "clause", "offset": [1145, 1168]}, {"key": "documents-required", "type": "clause", "offset": [1222, 1240]}, {"key": "adverse-action-notices", "type": "clause", "offset": [1291, 1313]}, {"key": "with-regard-to", "type": "clause", "offset": [1314, 1328]}, {"key": "account-agreements", "type": "definition", "offset": [1425, 1443]}, {"key": "privacy-notices", "type": "clause", "offset": [1509, 1524]}, {"key": "customer-communications", "type": "clause", "offset": [1572, 1595]}, {"key": "the-procedures", "type": "definition", "offset": [1615, 1629]}, {"key": "terms-of-this-agreement", "type": "clause", "offset": [1650, 1673]}, {"key": "an-applicant", "type": "clause", "offset": [1678, 1690]}, {"key": "account-for-the", "type": "clause", "offset": [1865, 1880]}, {"key": "loans-to", "type": "clause", "offset": [1919, 1927]}, {"key": "bank-documents", "type": "definition", "offset": [2003, 2017]}, {"key": "pertaining-to", "type": "definition", "offset": [2018, 2031]}, {"key": "loan-accounts", "type": "definition", "offset": [2032, 2045]}, {"key": "reasonable-steps", "type": "clause", "offset": [2148, 2164]}, {"key": "original-documents", "type": "clause", "offset": [2181, 2199]}, {"key": "the-loan", "type": "clause", "offset": [2214, 2222]}, {"key": "adhere-to", "type": "clause", "offset": [2237, 2246]}, {"key": "federal-guidance", "type": "definition", "offset": [2251, 2267]}, {"key": "provide-bank-with", "type": "clause", "offset": [2330, 2347]}, {"key": "copies-of", "type": "clause", "offset": [2348, 2357]}, {"key": "reasonable-period-of-time", "type": "definition", "offset": [2382, 2407]}, {"key": "programs-and-procedures", "type": "clause", "offset": [2502, 2525]}, {"key": "bank-secrecy-act", "type": "definition", "offset": [2548, 2564]}, {"key": "money-laundering", "type": "clause", "offset": [2571, 2587]}, {"key": "program-standards", "type": "clause", "offset": [2616, 2633]}, {"key": "programs-and-policies", "type": "clause", "offset": [2639, 2660]}, {"key": "action-plan", "type": "clause", "offset": [2686, 2697]}, {"key": "by-the-program-manager", "type": "clause", "offset": [2729, 2751]}, {"key": "data-collection", "type": "clause", "offset": [2811, 2826]}, {"key": "reporting-standards", "type": "definition", "offset": [2842, 2861]}, {"key": "training-standards", "type": "clause", "offset": [2863, 2881]}, {"key": "duties-and-responsibilities", "type": "definition", "offset": [2897, 2924]}, {"key": "audit-procedures", "type": "clause", "offset": [2926, 2942]}, {"key": "independent-review-procedures", "type": "clause", "offset": [2963, 2992]}, {"key": "policies-and-programs", "type": "clause", "offset": [2998, 3019]}, {"key": "comply-with-applicable-laws", "type": "clause", "offset": [3033, 3060]}, {"key": "the-services", "type": "definition", "offset": [3177, 3189]}, {"key": "exhibit-i", "type": "clause", "offset": [3203, 3212]}, {"key": "control-and-direction", "type": "clause", "offset": [3263, 3284]}, {"key": "carry-on", "type": "definition", "offset": [3381, 3389]}], "samples": [{"hash": "b3gT1MFXbGi", "uri": "/contracts/b3gT1MFXbGi#application-processing", "label": "Program Management Agreement (Atlanticus Holdings Corp)", "score": 36.3483924866, "published": true}, {"hash": "pKAfq47zW7", "uri": "/contracts/pKAfq47zW7#application-processing", "label": "Program Management Agreement (Atlanticus Holdings Corp)", "score": 31.6173858643, "published": true}], "snippet": "(a) On behalf of Bank, and at all times in compliance with Bank\u2019s Credit Policy, Program Manager shall process Applications from Applicants, and submit such Applications for automated decisioning (including, but not limited to, obtaining credit reports on behalf of Bank) to determine whether the Applicant satisfies the Bank\u2019s eligibility criteria for the establishment of a Loan Account.\n(b) Program Manager will maintain for Bank the name, address, social security number, date of birth and any other information required by the Bank, regarding each Applicant who meets the eligibility criteria set forth in Bank\u2019s Credit Policy. Program Manager shall have no discretion to override Bank\u2019s Credit Policy with respect to any Applications.\n(c) Program Manager shall ensure that the subvendors approved by Bank (\u201cApproved Subvendors\u201d) process all Authorization Requests in accordance with Bank\u2019s Credit Policy. Program Manager shall have no discretion to override Bank\u2019s Credit Policy with respect to any Authorization Request.\n(d) Program Manager or its Approved Subvendors shall on Bank\u2019s behalf respond to inquiries from Applicants regarding the Application process, provide to Applicants and Borrowers all notices and documents required by Applicable Laws, including, but not limited to adverse action notices with regard to Applications that do not meet Bank\u2019s Credit Policy or are otherwise denied by Bank, Bank\u2019s Loan Account Agreements with regard to Applications that are approved by Bank and Bank\u2019s privacy notices, and provide in the name of the Bank any other customer communications in accordance with the Procedures.\n(e) Subject to the terms of this Agreement, if an Applicant qualifies for a Loan Account or a Borrower qualifies for an Authorization Request under the objectively applied criteria of Bank\u2019s Credit Policy, Bank shall establish a Loan Account for the Applicant, and extend credit and fund loans to the Applicant or Borrower.\n(f) Program Manager shall hold and maintain all Bank documents pertaining to Loan Accounts in accordance with Bank\u2019s prescribed retention timeframes. Program Manager will take all commercially reasonable steps to preserve all original documents pertaining to the Loan Accounts, and adhere to all Federal guidance on customer identification regulations. Program Manager shall provide Bank with copies of such documents within a reasonable period of time following Bank\u2019s request.\n(g) Program Manager shall cooperate and assist Bank in implementing programs and procedures necessary to meet all Bank Secrecy Act, Anti Money Laundering and Customer Identification Program standards. The programs and policies shall include a detailed action plan to be implemented and followed by the Program Manager and its Approved Subvendors, including but not limited to, data collection, retention and reporting standards, training standards, delegation of duties and responsibilities, audit procedures, testing, and other independent review procedures, and policies and programs necessary to comply with Applicable Laws.\n(h) Program Manager and its Approved Subvendors shall perform all of its obligations described in this Section and the services set forth in Exhibit I hereto on Bank\u2019s behalf under Bank\u2019s supervision, control and direction, and deliver or provide any customer communications to Applicants and Borrowers as necessary to carry on the Program, all in accordance with the Procedures.", "hash": "276dab73d603673b025c660b9f3b897b", "id": 7}, {"size": 3, "snippet_links": [{"key": "services-include", "type": "clause", "offset": [14, 30]}, {"key": "clause-9", "type": 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3949]}, {"key": "subject-to-and-in-accordance-with", "type": "clause", "offset": [4097, 4130]}, {"key": "terms-of-this-agreement", "type": "clause", "offset": [4135, 4158]}, {"key": "right-to-monitor", "type": "clause", "offset": [4186, 4202]}, {"key": "for-the-purpose-of", "type": "definition", "offset": [4243, 4261]}, {"key": "compliance-with-the-terms", "type": "clause", "offset": [4286, 4311]}, {"key": "in-case-of", "type": "clause", "offset": [4336, 4346]}, {"key": "use-of-the-services", "type": "clause", "offset": [4360, 4379]}, {"key": "right-to-deny-access", "type": "clause", "offset": [4402, 4422]}, {"key": "prior-notification", "type": "definition", "offset": [4459, 4477]}, {"key": "unavailability-of-the-service", "type": "clause", "offset": [4567, 4596]}, {"key": "resulting-from", "type": "definition", "offset": [4597, 4611]}, {"key": "act-or-omission", "type": "clause", "offset": [4616, 4631]}, {"key": "of-customer", "type": "clause", "offset": [4632, 4643]}, {"key": "failure-of-equipment", "type": "clause", "offset": [4659, 4679]}, {"key": "failure-to", "type": "clause", "offset": [4702, 4712]}, {"key": "obligations-under-this-agreement", "type": "clause", "offset": [4727, 4759]}, {"key": "telecommunications-networks", "type": "definition", "offset": [4874, 4901]}, {"key": "reasonable-control", "type": "clause", "offset": [4947, 4965]}], "samples": [{"hash": "430fI5VbxiA", "uri": "/contracts/430fI5VbxiA#application-processing", "label": "Master Services Agreement", "score": 25.6899375916, "published": true}], "snippet": "9.1 Where the Services include application processing (such as \u2018Decision Link\u2019, \u2018Decision Navigator\u2019 and \u2018Interconnect\u2019), the provisions of this Clause 9 apply.\n9.2 If the Customer requests bespoke versions of Equifax\u2019s application processing services:\n9.2.1 Equifax may (as set out in any applicable Statement of Work) provide Consultancy Services to develop the relevant specification, as directed by the Customer, in support of the configuration of those Services for the Customer;\n9.2.2 any such Consultancy Services are a separate deliverable from the activity of application processing and will be charged as such;\n9.2.3 the Customer is responsible for the content of the relevant specification and its application to the Information Services;\n9.2.4 the specification represents the Customer\u2019s instructions to Equifax as to how such application processing services should be configured for the Customer; and\n9.2.5 Equifax remains responsible for configuring such Services in accordance with the Customer\u2019s instructions, as set out in the specification.\n9.3 If the Customer requests \u2018off the shelf\u2019 versions of Equifax\u2019s application processing services:\n9.3.1 the Customer is responsible for ensuring the standard specification of those Services are suitable for its requirements; and\n9.3.2 Equifax remains responsible for configuring such Services in accordance with the specification given to the Customer.\n9.4 The preparation of user documentation is the responsibility of the Customer (on the basis it is only likely to be effective when tailored by the Customer to its own business processes). Equifax will supply such assistance in its preparation as the parties may agree in any Statement of Work.\n9.5 The Customer\u2019s rights to use the Services do not permit it to copy, cut and paste, email, reproduce, publish, distribute, redistribute, broadcast, transmit, modify, adapt, edit, abstract, create derivative works of, store, archive, publicly display, sell or in any way commercially exploit any part of the Services.\n9.6 The Customer\u2019s rights to benefit from the Services do not permit it to use the Services to provide outsourced services to third parties or make them available to any third party or allow or permit a third party to do so.\n9.7 The Customer\u2019s right to benefit from the Services do not permit it to combine, merge or otherwise permit the Services (or any part of them) to become incorporated in any other program, nor arrange or create derivative works based on them.\n9.8 The Customer\u2019s rights to benefit from the Services do not permit it to attempt to decompile (as defined in section 50B of the Copyright, Designs and Patents Act 1988) the underlying software (or any part of it) that is used to provide the Services, except and only to the extent that such restriction is prohibited pursuant to section 50B of the Copyright, Designs and Patents \u2587\u2587\u2587 \u2587\u2587\u2587\u2587.\n9.9 The Customer\u2019s rights to benefit from the Services does not permit it to observe, study or test the functioning of the underlying software (or any part of it) that is used to provide the Services, except and only to the extent that such restriction is prohibited pursuant to section 50B of the Copyright, Designs and Patents \u2587\u2587\u2587 \u2587\u2587\u2587\u2587.\n9.10 The Customer warrants that it shall, keep confidential and, except as provided for in this Agreement, not share with any third party any 'PIN', 'ID' or similar password (if applicable) that it is provided with to facilitate access to the Services. The Customer shall keep up-to-date records of any such passwords.\n9.11 The Customer shall use due care and diligence to avoid introducing any software virus or other contaminant (including any bugs, worms, logic bombs, trojan horses or any other self-propagating or other such program) that may infect or cause damage to the Equifax\u2019s systems or otherwise disrupt the provision of the Services.\n9.12 Where the Customer is permitted in accordance with this Agreement to allow a third party to benefit from the Services, the Customer shall ensure that all such use:\n9.12.1 is controlled by the Customer; and\n9.12.2 is subject to and in accordance with the terms of this Agreement.\n9.13 Equifax reserves the right to monitor usage during the term of this Agreement for the purpose of (among others) ensuring compliance with the terms of this Agreement.\n9.14 In case of unauthorised use of the Services, Equifax reserves the right to deny access to the Services by blocking without prior notification the IP address(es) used to access the Services.\n9.15 Equifax shall not be liable for any unavailability of the Service resulting from any act or omission of Customer, including any failure of equipment or machinery or their failure to observe their obligations under this Agreement.\n9.16 Equifax shall not be liable for any unavailability of the Service resulting from any failure of internet or telecommunications networks or technological issues outside of Equifax\u2019s reasonable control.", "hash": "c2dc957ba09ebb8499951d7c61da4219", "id": 8}, {"size": 2, "snippet_links": [{"key": "credit-card", "type": "definition", "offset": [35, 46]}, {"key": "to-the-extent", "type": "clause", "offset": [79, 92]}, {"key": "in-connection-with", "type": "clause", "offset": [106, 124]}, {"key": "marketing-programs", "type": "clause", "offset": [132, 150]}, {"key": "any-person", "type": "definition", "offset": [194, 204]}], "samples": [{"hash": "7hrhDzUXab1", "uri": "/contracts/7hrhDzUXab1#application-processing", "label": "Private Label Credit Card Program Agreement (United Retail Group Inc/De)", "score": 21.0, "published": true}, {"hash": "7RaD0zukJqH", "uri": "/contracts/7RaD0zukJqH#application-processing", "label": "Private Label Credit Card Program Agreement (United Retail Group Inc/De)", "score": 18.0, "published": true}], "snippet": "Retailer shall accept and transmit Credit Card Applications only at Stores or, to the extent Bank agrees, in connection with Direct Marketing Programs and Retailer shall not otherwise authorize any Person to accept or transmit Credit Card Applications.", "hash": "9c45ff33b3e403803b02ee4a0d15aeaa", "id": 9}, {"size": 2, "snippet_links": [{"key": "the-system", "type": "definition", "offset": [0, 10]}, {"key": "provide-the", "type": "clause", "offset": [17, 28]}, {"key": "to-record", "type": "definition", "offset": [37, 46]}, {"key": "life-cycle", "type": "clause", "offset": [91, 101]}, {"key": "title-and-registration", "type": "clause", "offset": [129, 151]}], "samples": [{"hash": "hHXGQ2HUm73", "uri": "/contracts/hHXGQ2HUm73#application-processing", "label": "Contract Agreement", "score": 26.1704311371, "published": true}, {"hash": "1wvsEH1VOPf", "uri": "/contracts/1wvsEH1VOPf#application-processing", "label": "Contract Agreement", "score": 26.1704311371, "published": true}], "snippet": "The system shall provide the ability to record and process applications through the entire life cycle, e.g. title, registration, title and registration transfers, credentials, endorsements, re- instatement, replacement plates, handicap plates, permits, etc.", "hash": "dab106d86f390113e0648c4c5847514b", "id": 10}], "next_curs": "Cl8SWWoVc35sYXdpbnNpZGVyY29udHJhY3RzcjsLEhZDbGF1c2VTbmlwcGV0R3JvdXBfdjU2Ih9hcHBsaWNhdGlvbi1wcm9jZXNzaW5nIzAwMDAwMDBhDKIBAmVuGAAgAA==", "clause": {"title": "Application Processing", "size": 57, "parents": [["loan-origination", "Loan Origination"], ["duties-of-platform-agent-and-bank", "Duties of Platform Agent and Bank"], ["duties-and-responsibilities-of-platform-agent-on-behalf-of-bank", "Duties and Responsibilities of Platform Agent on Behalf of Bank"], ["miscellaneous", "Miscellaneous"], ["serial-loans", "SERIAL LOANS"]], "children": [["additional-information", "Additional Information"], ["decision-to-deny-a-permit-application", "Decision to Deny a Permit Application"], ["timelines", "Timelines"]], "id": "application-processing", "related": [["application-process", "Application Process", "Application Process"], ["application-procedures", "Application Procedures", "Application Procedures"], ["data-collection-processing-and-usage", "Data Collection, Processing and Usage", "Data Collection, Processing and Usage"], ["application-procedure", "Application Procedure", "Application Procedure"], ["transaction-processing", "Transaction Processing", "Transaction Processing"]], "related_snippets": [], "updated": "2026-02-07T05:29:46+00:00", "also_ask": [], "drafting_tip": "", "explanation": "The Application Processing clause outlines the procedures and requirements for handling and evaluating submitted applications. Typically, it details the steps an applicant must follow, the documentation required, and the timeline for review and decision-making. This clause ensures a transparent and consistent process for all applicants, reducing confusion and setting clear expectations for both parties involved."}, "json": true, "cursor": ""}}