Terms And Conditions

Modification of Terms

We reserve the right to modify these Terms from time to time. Your use of the Site or our services after such a modification indicates acceptance of the changes. We will notify you of such changes through reasonable means, including posting the revised Terms on the Site.

Preliminary Disclosures and Policies

You acknowledge and agree to the disclosures in our Ad Disclosure and Privacy Policy, which are integral to these Terms. Our Ad Disclosure explains our compensation model, ensuring our services remain free to you, while our Privacy Policy outlines your rights and our responsibilities regarding your personal information.

Functionality of Our Loan Request Service

Our Loan Request Service acts as a platform to connect you with prospective lenders or creditors. By completing a Loan Request Form, you provide necessary information for potential lenders to assess your request. This information may also be used for marketing purposes.

Not a Lender – Credit Decisions

We do not make credit decisions or act as a lender, creditor, or broker. All credit decisions are made by the lender. Our service is designed to facilitate connections between borrowers and lenders.

No Guarantee of Loan or Credit

We cannot guarantee that a lender will offer you a loan, nor can we ensure the terms will be optimal. The terms of any loan offer are subject to the lender’s discretion and market conditions.

Responsibility for Financial Decisions

We do not endorse specific lenders or financial providers. It is your responsibility to carefully review and compare loan offers before making any decisions. We recommend seeking advice from qualified financial advisors.

Credit Checks

Lenders may conduct credit checks as part of the loan evaluation process. By using our service, you authorize lenders to obtain your credit report.

Consent to Receive Offers and Advertisements

By using our service, you consent to receive offers, quotes, and advertisements from us, lenders, and financial providers through various communication channels.

SMS Terms and Conditions

You may receive SMS messages in response to your loan request or expression of interest in financial services. Message and data rates may apply.

Information Storage for Convenience

We may save your information to streamline future loan requests. You can opt-out of this service by contacting us.

Consent to Electronic Communications

By using our service, you agree to receive communications from us electronically.

Disclosure of Third Parties

Your information may be shared with third parties as outlined in our Privacy Policy and disclosed during the use of our service.

Verification of Income

Lenders may require verification of income before offering a loan. You acknowledge and agree to provide accurate income information.

Tribal Lending Enterprises

Loans from Tribal Lending Enterprises may have different rates and fees. Disputes may be resolved in tribal jurisdictions.

Links to Third-Party Sites

We provide links to external websites for reference only and are not responsible for their content or availability.

PROTECTION OF OUR INTELLECTUAL PROPERTY

The intellectual property (“IP”) displayed on this site, including trademarks, titles, characters, trade names, graphics, designs, software, text, and images, are safeguarded properties owned by us, our licensees, or authorized third parties. Your usage of the site does not grant you ownership or any other rights to the IP, all of which are retained by us or their respective owners. Content displayed on the site may be downloaded for personal, non-commercial use only, provided that all copyright and proprietary notices are retained. Any modification, copying, distribution, transmission, display, publication, sale, licensing, or creation of derivative works using the IP for commercial or public purposes is prohibited.

LIMITATIONS ON ACCESS AND INTERFERENCE

You agree not to use any automated data gathering tools, such as robots, spiders, scrapers, or deep links, to access, acquire, copy, or monitor our site or services without prior written permission. Additionally, you agree not to interfere with the proper functioning of the site, bypass any measures to prevent access, reproduce content for commercial purposes, modify the site, frame or mirror any part of it, or create databases by systematically downloading and storing site content. Exceptions are granted to public search engines for creating publicly available search indices, subject to our discretion.

REQUIREMENTS FOR USAGE

To utilize the site or its services, you must be at least 18 years old. By accessing the site, you agree not to engage in illegal activities, violate our rights or the rights of any third-party, or contravene applicable laws, rules, and regulations. You are solely responsible for your conduct and any information you provide on the site.

EMAIL PRACTICES

We uphold consumer privacy by employing an opt-in/opt-out method for marketing communications. Personal information is obtained voluntarily, and we provide clear instructions for unsubscribing from future emails. We may partner with third-party websites for marketing, ensuring data is collected ethically and with consumer consent.

U.S. OWNERSHIP AND OPERATION

The site is operated from the United States and is subject to U.S. laws. Accessing the site implies compliance with local laws and regulations. We reserve the right to restrict site availability as deemed necessary.

DISCLAIMER OF WARRANTIES

Usage of the site and its services is at your own risk. We provide them on an “as is” basis and disclaim all warranties, including merchantability, fitness for a particular purpose, and non-infringement. We do not guarantee uninterrupted, secure, or error-free services, nor the accuracy or privacy of user information.

LIMITATION OF LIABILITY

We and our affiliates shall not be liable for any damages arising from your breach of terms, access to our site, reliance on information provided, or products/services obtained through the site. Our liability is limited to $200, and any claims must be brought within one year of accrual.

YOUR INDEMNIFICATION OF US

You agree to defend, indemnify, and hold us harmless from claims arising from your breach of terms, provision of inaccurate information, or site usage causing harm.

OUR REMEDIES

We may seek injunctive relief for breach of terms without demonstrating actual damages. Any legal actions shall be brought in Clark County, Nevada.

ARBITRATION & CLASS ACTION WAIVER

Disputes shall be resolved through arbitration, excluding class actions. This provision survives termination of the relationship.

CLAIMS OF COPYRIGHT INFRINGEMENT

We comply with the DMCA. Notices should be sent to [email protected].

CONTACT INFORMATION

Our contact details are available on the Contact Us page of the site.

NOTICE

All notices to us must be submitted via email to [email protected].

MISCELLANEOUS

Unlawful terms do not void the entire agreement. These terms constitute the entire agreement between you and us and supersede all prior agreements.

QUESTIONS, COMMENTS, CONCERNS AND FEEDBACK

Contact us at [email protected] for inquiries or feedback regarding these terms, the site, or our services.