Welcome to Lending Automator, Inc. ("Lending Automator," "we," "our," or "us"). By accessing or using our website (the "Site") or any of our services (the "Services"), you agree to be bound by these Terms of Use ("Terms"). Please read these Terms carefully before using our services. If you do not agree to these Terms, you may not access or use our Site or Services.
Lending Automator provides software-as-a-service solutions for facilitating business-purpose lending processes. You may use our Site and Services only for lawful purposes and in accordance with these Terms.
User Accounts: Some features of the Site and Services may require you to create an account and become a registered user of the Site and Services. You are responsible for maintaining the confidentiality of your account and password and for restricting access to your account, and you agree to accept responsibility for all activities that occur under your account.
THE SITE AND SERVICES ARE OFFERED ONLY TO USERS WHO ARE AT LEAST THE LEGAL AGE OF MAJORITY IN THE JURISDICTION IN WHICH THEY RESIDE OR ARE LOCATED. BY USING THE SITE AND SERVICES, YOU REPRESENT THAT YOU ARE ABLE TO LEGALLY CONTRACT IN THE JURISDICTION IN WHICH YOU ARE LOCATED.
IF YOU ARE ENTERING INTO THIS AGREEMENT ON BEHALF OF AN ENTITY OR ANY THIRD-PARTY, SUCH AS YOUR EMPLOYER OR A COMPANY YOU WORK FOR OR CONTROL, YOU REPRESENT THAT YOU HAVE THE LEGAL AUTHORITY TO BIND THAT ENTITY TO THIS AGREEMENT.
a) Business-Purpose Only: The Site and Services are offered solely to facilitate business-purpose credit transactions—that is, extensions of credit not for personal, family, or household purposes. You shall not use the Site or Services for any consumer-purpose lending or brokering, including any transaction that would be subject to the Truth in Lending Act or Regulation Z as a consumer-purpose loan.
b) User Covenant: You represent, warrant, and covenant that you will not submit, process, solicit, broker, underwrite, or otherwise facilitate through the Site or Services any application or loan that is a consumer-purpose transaction. You agree to implement reasonable internal screening and controls to ensure that all transactions facilitated through the Site or Services are business-purpose only.
c) Licensing and Legal Authorization: You represent, warrant, and covenant that you and your personnel are, and will remain, duly licensed, registered, exempt, or otherwise legally authorized to perform all lending, brokering, arranging, or loan-processing activities conducted through the Site or Services in each jurisdiction where such activities occur. You are solely responsible for obtaining, maintaining, and monitoring the status of all such licenses, registrations, exemptions, and approvals, and for ensuring that your activities via the Site or Services comply with all applicable federal, state, and local laws, rules, and regulations.
d) No Verification or Oversight by Lending Automator: You acknowledge and agree that Lending Automator does not review, verify, monitor, or confirm any user's licensing, registration, or legal authorization status, and has no obligation to do so. Your access to or use of the Site or Services does not imply that Lending Automator has verified your qualifications or compliance status, and no such representation is made or should be inferred.
e) Notice of Non-Compliance: You must promptly notify Lending Automator in writing if you become aware that any activity on or through the Site or Services may be consumer-purpose, unlicensed, unauthorized, or otherwise non-compliant with applicable law.
f) Enforcement; Remedies: Without limiting the Termination provisions below, Lending Automator may, in its sole discretion and without liability, suspend or terminate your access to the Site or Services if Lending Automator believes that your use (i) involves consumer-purpose lending; (ii) is not properly licensed or authorized; or (iii) otherwise violates applicable law or these Terms.
g) Indemnity; Survival: Your obligations under this Section 2 are subject to the Indemnification section of these Terms and will survive termination or expiration of this Agreement.
h) Definitions: "Business-purpose" credit means credit not primarily for personal, family, or household purposes. "Consumer-purpose" credit means credit primarily for personal, family, or household purposes.
a) Fees: Lending Automator may charge subscription, access, transaction, usage, or other fees for some or all of the Site or Services. The amount and applicable terms of any fees will be disclosed through the Site, Services, order form, subscription agreement, or other applicable purchasing interface. You agree to pay all fees and charges incurred through your account in accordance with the pricing and payment terms in effect at the time the applicable fees are incurred.
b) Recurring Subscriptions; Automatic Renewal: If you purchase access to the Services on a recurring subscription basis, your subscription will automatically renew for successive billing periods of the same duration, or for the renewal period disclosed at the time of purchase, unless you cancel before the applicable renewal date. You authorize Lending Automator and its payment processors to charge the payment method associated with your account for each recurring subscription fee, together with any applicable taxes or other charges.
c) Cancellation: You may cancel a recurring subscription through the functionality made available in the Site or Services or by providing notice to Lending Automator using an available cancellation method. Unless otherwise expressly stated, cancellation will become effective at the end of the then-current paid billing period, and you will retain access to the applicable paid Services through that date. Cancellation does not entitle you to a prorated refund or credit for any unused portion of a billing period.
d) Non-Refundable Fees: Except as expressly stated otherwise in writing by Lending Automator or as required by applicable law, all fees and other amounts paid to Lending Automator are final and non-refundable, including amounts paid for subscription periods that are only partially used.
e) Payment Authorization; Failed Payments: You are responsible for maintaining current and accurate billing and payment information. If a payment is declined, reversed, charged back, or otherwise not successfully completed, Lending Automator may retry the charge, suspend or restrict access to paid functionality, or terminate the applicable subscription or account. You remain responsible for all amounts properly incurred through your account.
f) Price Changes: Lending Automator may change subscription fees or other recurring charges prospectively. Any change to a recurring subscription price will take effect no earlier than the next applicable renewal period after any notice required by applicable law or otherwise provided by Lending Automator.
g) Service Credits: Certain features or functionality of the Services may require the use of prepaid or purchased service credits ("Service Credits"). Service Credits may be purchased through the Site or Services at the prices displayed at the time of purchase. The number of Service Credits required for a particular feature or service may vary and will be disclosed through the Services.
h) Nature of Service Credits: Service Credits are units that may be applied solely toward eligible features and services made available through the Lending Automator platform. Service Credits do not represent a deposit account, may not be redeemed for cash, and have no cash redemption value. Service Credits may not be sold, transferred, assigned, or exchanged except as expressly permitted by Lending Automator. The purchase price of Service Credits and the number of Service Credits required for particular Services may vary from time to time.
i) No Refund of Service Credits: Purchases of Service Credits are final and non-refundable except as required by applicable law. Upon cancellation, suspension, expiration, or termination of your account or your right to use the Services, any unused Service Credits associated with your account will be forfeited and will not be refunded, redeemed for cash, or transferred to another account.
j) Changes to Service Credits: Lending Automator may change the price of Service Credits or the number of Service Credits required to access particular functionality from time to time. Such changes will apply prospectively to future purchases or uses of Service Credits, as applicable, except as otherwise expressly disclosed or required by law.
a) Site and Services License: Lending Automator grants you a nonexclusive, nontransferable right to use the Site and Services solely in accordance with the related documentation, and solely for your own internal business operations. The Site and Services are licensed, not sold, to you for use only under the Terms of this agreement. Lending Automator reserves all rights in the Site and Services not expressly granted to you under these Terms and retains ownership of Site and Services. The Site and Services may be limited to a specific number of users or licensees, and you agree to abide by these limits and not circumvent any mechanism implemented to prevent additional or unauthorized use or access.
b) Ownership: The content, features, and functionality of the Site and services are owned by Lending Automator and are protected by copyright, trademark, patent, trade secret, and other intellectual property or proprietary rights laws. Lending Automator and/or its licensors own all right, title and interest, including intellectual property rights, in and to the Site and Services. You acknowledge that these Terms and your use of the Site and Services do not transfer to you (a) any title to any Site or (b) any title to the intellectual property in systems used in the Site and Services or any rights therein other than the limited right to use the Site and Services under the Terms of this agreement. Any suggestions, enhancement requests, feedback, or recommendations that you provide to Lending Automator relating to any of its Site and Services or other websites, technologies, businesses or implementation ("Feedback") are owned exclusively by Lending Automator and you assign to Lending Automator all rights in any suggestions, feedback, or ideas you provide. Lending Automator reserves all rights not expressly granted hereunder.
c) Lending Automator Trademarks: Lending Automator uses certain trademarks and trade names in connection with the Service or Software. You are not authorized to use any such trademarks for any purpose without prior written consent.
d) Your Trademarks:
You agree to maintain the confidentiality of all non-public information provided by Lending Automator, using at least reasonable care, and not to disclose it to third parties or use it for any purpose outside these Terms. Confidentiality obligations do not apply to information that is publicly available, lawfully obtained independently, or disclosed by legal obligation. Lending Automator may seek injunctive relief for unauthorized disclosure.
The Site and Services may contain links or other connections to websites, systems, or services operated by third parties. Lending Automator is not responsible for such websites, systems, and services, and has no control over, and assumes no responsibility for, the content, privacy policies, or practices of any third-party websites, systems, or services. Our inclusion of such links or connections should not be construed as an endorsement of the material on such websites, systems, and services. Your use of the Site or Services to link or connect to another website, system, or service is at your own risk.
a) You acknowledge and agree that any lenders, brokers, service providers or other third parties ("Third Party" or "Third Parties") represented, displayed, or accessible through the Services are independent third parties and are not controlled by, affiliated with, or endorsed by Lending Automator. Lending Automator's lender matching functionality is provided solely as a convenience and is based on available information, which may not be complete, current, or accurate.
b) Lending Automator makes no representation, warranty, or guarantee that any Third Party identified through the Services will be able or willing to fund any loan, approve any application, offer any specific terms, or provide any product or service. All credit and lending decisions, including approvals, denials, and funding determinations, are made exclusively by the applicable lender(s) at their sole discretion.
c) You further acknowledge that:
d) You are solely responsible for conducting your own due diligence before entering into any agreement with a Third Party and for ensuring compliance with all applicable laws, regulations, and lending requirements.
e) Third-Party Services and Information Sharing: The Services may allow you or an applicant to request, obtain, or facilitate products, reports, quotes, or services from independent Third Parties, which may include property insurance companies, agencies, agents, or brokers; appraisers and appraisal management companies; title insurance companies, title agents, escrow, closing, or settlement providers; consumer reporting agencies, credit-data providers, background screening or reporting agencies; credit monitoring or credit repair providers; and other providers involved in evaluating, processing, closing, servicing, or otherwise supporting a loan or real estate transaction. Where you or an applicant requests, authorizes, or uses functionality involving such a Third Party, Lending Automator may transmit information reasonably necessary to facilitate the requested product, service, report, quote, or transaction, subject to applicable law and any required consent or authorization. Any such Third Party may have its own terms, eligibility criteria, privacy practices, and fees. Lending Automator does not guarantee or assume responsibility for any Third Party's products, services, acts, omissions, or information-handling practices, except to the extent required by applicable law.
a) Limited Purpose: Certain functionality of the Services may permit or facilitate the acquisition or display of consumer credit reports, credit scores, credit attributes, or other consumer report information through a soft credit inquiry (collectively, "Credit Information"). Credit Information made available through the Services is provided solely for the limited purpose of assisting with the preliminary matching of applicants and proposed loan transactions with potentially applicable lender loan programs.
b) Not for Credit Decisioning: Credit Information obtained through the Services is not provided or intended for use in underwriting or credit decisioning. You agree that you will not use Credit Information obtained through the Services, in whole or in part, as a basis for approving or denying an application for credit, determining whether an applicant will receive credit, or establishing or modifying the pricing, rate, terms, conditions, amount, or availability of credit to an applicant.
c) Permissible Purpose and Authorization: You represent, warrant, and certify that each time you request, obtain, access, or use Credit Information through the Services: (i) you have a legally permissible purpose for obtaining and using the Credit Information under the Fair Credit Reporting Act ("FCRA") and all other applicable laws; (ii) you have obtained all consents, authorizations, certifications, and permissions required by applicable law and by any applicable consumer reporting agency or other provider; and (iii) you will use the Credit Information only for the purpose for which it was obtained and only as permitted by these Terms.
d) No Unauthorized Access or Disclosure: You may not request, obtain, access, use, reproduce, disclose, distribute, sell, resell, or otherwise make Credit Information available for any unauthorized purpose or to any person who is not authorized to receive it. You are responsible for restricting access to Credit Information within your organization to personnel who have a legitimate need to access such information for the permitted purposes described in this Section.
e) Third-Party Providers: Credit Information may be obtained from or provided through one or more third-party consumer reporting agencies, credit data providers, or other service providers. Your use of Credit Information may also be subject to additional requirements or restrictions imposed by those providers.
f) User Compliance: You are solely responsible for complying with the FCRA and all other federal, state, and local laws and regulations applicable to your request for, access to, or use of Credit Information. Nothing provided through the Services constitutes authorization to obtain or use a consumer report in circumstances where you would not otherwise have a legally permissible purpose to do so.
g) Suspension or Termination: Lending Automator may immediately restrict, suspend, or terminate your ability to obtain Credit Information, or your access to the Services generally, if Lending Automator reasonably believes that you have requested, accessed, disclosed, or used Credit Information in violation of these Terms, applicable law, or the requirements of a consumer reporting agency or other provider.
You agree not to use the Site or the Services to:
You shall comply with all applicable federal, state, and local laws, rules, and regulations relating to your lending activities, including but not limited to consumer protection laws, fair lending laws, truth-in-lending requirements, data privacy, and data security obligations. You acknowledge and agree that Lending Automator is not responsible for your compliance with such laws and shall have no liability arising from your failure to comply.
Lending Automator may collect, use, process, transmit, and disclose information provided through the Site or Services, including client, applicant, loan, property, account, document, and transaction information, to third-party service providers and other third parties as reasonably necessary to operate, support, secure, maintain, or provide functionality through the Site or Services. Such third parties may include, as applicable, hosting and data-storage providers; payment processors; communications, document-management, and electronic-signature providers; identity, fraud-prevention, and security providers; consumer reporting agencies and credit-data providers; background screening or reporting agencies; credit monitoring or credit repair providers; lenders and brokers; property insurance companies, agencies, agents, or brokers; appraisers and appraisal management companies; title insurance companies, title agents, escrow, closing, or settlement providers; and other providers involved in evaluating, processing, closing, servicing, or otherwise supporting a loan or real estate transaction. Where a disclosure is made to facilitate a product, service, report, quote, or functionality requested, directed, authorized, or used by you or an applicant, Lending Automator may share the information reasonably necessary to facilitate that request, subject to applicable law and any required consent or authorization. Credit Information and other consumer report information will be disclosed only as permitted by applicable law and applicable provider requirements. Lending Automator may also disclose information where required or permitted by applicable law, regulation, legal process, or governmental request, or where reasonably necessary to protect the rights, property, security, or interests of Lending Automator, its users, applicants, or others. Lending Automator may use aggregated or anonymized data derived from use of the Site or Services for analytics, research, product development, service improvement, and other lawful business purposes, provided that such information does not identify you or your clients.
Lending Automator maintains a data retention policy consistent with prevailing lending industry standards and regulatory requirements, including but not limited to those established under the Gramm-Leach-Bliley Act (GLBA), Equal Credit Opportunity Act (ECOA), Truth in Lending Act (TILA), Fair Credit Reporting Act (FCRA), and applicable Consumer Financial Protection Bureau (CFPB) guidelines. Client data will be retained for as long as you remain a paying customer of Lending Automator and thereafter for a period not to exceed ninety (90) days unless necessary to provide the Services, comply with legal obligations, resolve disputes, and enforce agreements. Upon expiration of the applicable retention period, Lending Automator will securely delete or anonymize such data in accordance with industry-standard practices.
a) Reasonable Security Measures: Lending Automator will implement and maintain reasonable administrative, technical, and physical safeguards intended to protect the confidentiality, integrity, and availability of data processed through the Site and Services, consistent with general industry practices.
b) No Guarantee: You acknowledge and agree that Lending Automator does not guarantee that unauthorized third parties will never be able to defeat such safeguards or improperly access data, and Lending Automator shall not be responsible for any such unauthorized access, disclosure, loss, or use.
c) Not a System of Record: The Site and Services are not designed or intended to serve as a system of record for you. You are solely responsible for maintaining your own records of loan applications, applicant information, and related documents, and for compliance with all applicable recordkeeping and data retention obligations.
In the event Lending Automator becomes aware of a breach of security that results in the unauthorized access to or disclosure of your client data, Lending Automator will use commercially reasonable efforts to notify you without undue delay, consistent with applicable law. Such notice will be delivered to the primary account administrator's email address on file or by other reasonable means, and may include the nature of the breach, the data reasonably believed to have been accessed, and steps taken to contain and mitigate the breach.
Lending Automator shall not be liable for any delay or failure to perform due to causes beyond its reasonable control, including acts of God, natural disasters, labor disputes, internet or telecommunications failures, governmental actions, or pandemics.
Your use of our services is also governed by our Privacy Policy, which is incorporated into these Terms by reference. By using our services, you consent to the collection and use of your information as described in the Privacy Policy.
THE SITE AND SERVICES ARE PROVIDED "AS IS" AND "AS AVAILABLE." LENDING AUTOMATOR MAKES NO WARRANTIES OTHER THAN AS EXPRESSLY PROVIDED HEREIN AND EXPRESSLY DISCLAIMS ALL OTHER WARRANTIES, EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE TO THE EXTENT PERMITTED BY APPLICABLE LAW. IN PARTICULAR, LENDING AUTOMATOR MAKES NO WARRANTY THAT (A) THE SITE OR SERVICES WILL MEET YOUR REQUIREMENTS; (B) YOUR USE OF THE SITE OR SERVICES WILL BE UNINTERRUPTED, ERROR-FREE, SECURE, OR AVAILABLE AT ANY PARTICULAR TIME; OR (C) ANY DEFECTS OR ERRORS IN THE SITE OR SERVICES WILL BE CORRECTED.
TO THE EXTENT NOT PROHIBITED BY LAW, IN NO EVENT WILL LENDING AUTOMATOR, ITS AFFILIATES, RESELLERS, PARTNERS AND THEIR RESPECTIVE AFFILIATES, OR THEIR RESPECTIVE OFFICERS, DIRECTORS, EMPLOYEES OR AGENTS BE LIABLE FOR PERSONAL INJURY OR ANY INCIDENTAL, SPECIAL, INDIRECT, PUNITIVE, OR CONSEQUENTIAL DAMAGES WHATSOEVER ARISING OUT OF OR IN CONNECTION WITH YOUR USE OF THE SITE OR SERVICES, INCLUDING, WITHOUT LIMITATION, DAMAGES FOR LOSS OF PROFITS, LOSS OF DATA, BUSINESS INTERRUPTION, PROCUREMENT OF SUBSTITUTE GOOD OR SERVICES OR ANY OTHER COMMERCIAL DAMAGES OR LOSSES, ARISING OUT OF OR RELATED TO YOUR ABILITY TO USE OR INABILITY TO USE THE SITE OR SERVICES HOWEVER CAUSED, REGARDLESS OF THE THEORY OF LIABILITY AND EVEN IF LENDING AUTOMATOR HAS BEEN ADVISED OF THE POSSIBILITY OF DAMAGES. IN NO CASE WILL LENDING AUTOMATOR'S TOTAL LIABILITY TO YOU FOR DAMAGES HEREUNDER EXCEED THE AMOUNT PAID BY YOU FOR THE SITE AND SERVICES DURING THE THREE MONTHS PRIOR TO SUCH CLAIM. YOU SPECIFICALLY AGREE THAT THE ALLOCATION OF RISK BY MEANS OF THIS DAMAGES LIMITATION IS A FUNDAMENTAL ELEMENT OF THE BASIS OF THE BARGAIN BETWEEN YOU AND LENDING AUTOMATOR AND THAT THE PRICING OF THE SITE AND SERVICES TAKES THIS LIMITATION INTO ACCOUNT.
You shall indemnify, defend, and hold harmless Lending Automator and its officers, directors, employees, contractors, and affiliates from any claims, damages, losses, or expenses (including reasonable attorneys' fees) arising out of:
During the term of this Agreement and for a period of twenty-four (24) months following its termination, you and your affiliates, employees, contractors, and agents agree that you will not, directly or indirectly:
We may terminate or suspend your access to the Site and Services immediately, without prior notice or liability, for any reason whatsoever, including without limitation if you breach these Terms. You may terminate your use of the Site and Services by cancelling your account on the Site or by providing written notice to Lending Automator.
Except as expressly stated otherwise in writing by Lending Automator or as required by applicable law, termination, suspension, cancellation, or expiration of your account or access to the Services will not entitle you to a refund of any fees or other amounts previously paid, and any unused Service Credits remaining in your account will be forfeited without refund, redemption, transfer, or other compensation.
The following provisions shall survive any termination or expiration of this Agreement: Intellectual Property; Confidentiality; Compliance With Laws; Data Security; No System of Record; Force Majeure; Privacy; Disclaimer of Warranty; Limitation of Liability; Indemnification; Fees; Recurring Billing; Service Credits; Credit Reports and Credit Information; Non-Solicitation, Non-Circumvention, and No Replication; Governing Law; No Trial By Jury; Mandatory Arbitration; Entire Agreement; Severability; Notices. Any other provisions of this Agreement which by their nature should survive termination shall also remain in full force and effect.
You may not assign or transfer this Agreement without the prior written consent of Lending Automator.
You and Lending Automator are independent contractors; nothing herein shall be construed as creating an agency, partnership, or joint venture.
These Terms shall be governed by and construed in accordance with the laws of Delaware, without regard to its conflict of law provisions.
BY USING THE SITE OR SERVICES, YOU HEREBY UNCONDITIONALLY AND IRREVOCABLY WAIVE ANY AND ALL RIGHT TO TRIAL BY JURY IN ANY ACTION, SUIT, COUNTERCLAIM, OR CROSS-CLAIM ARISING IN CONNECTION WITH, OUT OF, OR OTHERWISE RELATING TO THE USE OF THE SITE, SERVICES, ANY TRANSACTION ARISING THEREFROM OR RELATED THERETO, OR ANY DISPUTE INVOLVING YOU AND LENDING AUTOMATOR. ANY DISPUTE, CLAIM, OR CONTROVERSY ARISING OUT OF OR RELATING TO THIS AGREEMENT OR THE SITE OR SERVICES SHALL BE RESOLVED EXCLUSIVELY THROUGH BINDING ARBITRATION ADMINISTERED BY THE AMERICAN ARBITRATION ASSOCIATION (AAA) IN ACCORDANCE WITH ITS COMMERCIAL ARBITRATION RULES. THE ARBITRATION SHALL BE CONDUCTED IN CONNECTICUT BEFORE A SINGLE ARBITRATOR. JUDGMENT ON THE ARBITRATION AWARD MAY BE ENTERED IN ANY COURT HAVING JURISDICTION. EACH PARTY SHALL BEAR ITS OWN ATTORNEYS' FEES AND COSTS, AND THE PARTIES SHALL SHARE EQUALLY THE ARBITRATOR'S FEES AND ADMINISTRATIVE COSTS OF ARBITRATION. NOTWITHSTANDING THE FOREGOING, LENDING AUTOMATOR MAY SEEK INJUNCTIVE OR EQUITABLE RELIEF IN ANY COURT OF COMPETENT JURISDICTION TO PREVENT UNAUTHORIZED USE OR DISCLOSURE OF ITS INTELLECTUAL PROPERTY OR CONFIDENTIAL INFORMATION. FURTHER, EXCEPT AS PROHIBITED BY LAW, USE OF THE SITE OR SERVICES CONSTITUTES YOUR ACKNOWLEDGEMENT AND AGREEMENT THAT THIS SECTION IS A SPECIFIC AND MATERIAL ASPECT OF THIS AGREEMENT AND THAT THE COMPANY WOULD NOT OFFER THE SERVICES IF THIS SECTION WAS NOT A PART OF THIS AGREEMENT.
This Agreement is the entire agreement between you and Lending Automator regarding the subject matter hereof and supersedes any other communications with respect to the Site and Services, and there are no promises, terms, conditions or obligations, oral or written, express or implied, between you and Lending Automator relating to the subject matter hereof other than those contained herein.
If any provision of this Agreement is held invalid or unenforceable, the remainder of these Terms will continue in full force and effect. Failure by a party to insist upon performance by the other party of any of its obligations under this Agreement will not constitute a waiver of the right to enforce its rights with respect to the same or any other provision.
We reserve the right, at our sole discretion, to modify or replace these Terms at any time. By continuing to access or use our Site or Services after those revisions become effective, you agree to be bound by the revised terms. If you do not agree to the new terms, you must stop using the Service.
If you have any questions about these Terms, please contact us at legal@lendingautomator.com.
All notices to us must be in writing and delivered with confirmation of receipt to legal@lendingautomator.com or to Lending Automator's business address at 66 Franklin Street, Norwich, CT 06360.