Effective as of: May 15, 2023
The Company does not act as a lender, financial institution, or credit decision-maker. Instead, we function as a facilitator, establishing a connection between the User and a network of independent third-party lenders and financial organizations offering credit products. Therefore, to gain access to the services offered by the Company, it is necessary for the User to complete an online registration form on the Website.
This Website is exclusively for the use of legal residents of the United States who are at least 18 years old. Continued use of the Website signifies that you meet these conditions. However, due to specific regulations, the services provided by the Website are not available to residents of certain states, including Arkansas, New York, West Virginia, and Vermont. State availability may change, so we recommend checking the status of your state on our Rates and Fees page for the most current information regarding online personal lending in the United States.
Company Services The Company acts as a conduit, connecting Users with independent third-party lenders capable of providing personal loans up to $5,000 (subject to each state's regulations). Approval of your request, as well as the terms and amount of any loan product offered, are determined solely by the loan providers and depend on various factors. We cannot guarantee the approval of your request or fulfillment of your specific requirements.
Users uncertain about any loan offer or online personal lending, in general, should seek professional advice. Please note that the Company does not influence the terms of any loan offer or credit product, and therefore takes no responsibility for the decisions made by third parties.
To use the services provided on the Website, you must register using the online form and submit your personal, contact, employment, and financial information, including sensitive details like your Social Security number and banking account details. This information is utilized to match you with one or more third-party lenders in our network. The sharing of your information with third-party lenders is an inherent part of these procedures.
The Company retains all exclusive ownership rights over the Website's content, including digital records, videos, pictures, text, logos, trademarks, and other assets, which are protected by US copyright and intellectual property laws. Any unauthorized use, duplication, or resale of the content is strictly prohibited.
THIS WEBSITE AND THE SERVICES OFFERED BY THE COMPANY ARE PROVIDED "AS IS" AND BASED ON THEIR CURRENT AVAILABILITY. THEY ARE ACCESSED AND USED AT YOUR OWN RISK. THE COMPANY MAKES NO WARRANTIES OR GUARANTEES WHATSOEVER WITH THE SERVICE OR ANY PRODUCT, AND THEY MAY BE SUBJECT TO CHANGE WITHOUT NOTICE. THE COMPANY DOES NOT GUARANTEE THAT ITS PRODUCTS WILL MEET YOUR NEEDS OR THAT THE SERVICES WILL BE UNINTERRUPTED, SECURE, OR ERROR-FREE. THE SOFTWARE AND OTHER TECHNOLOGIES USED BY THE COMPANY MAY HAVE ERRORS THAT WILL BE CORRECTED AS SOON AS POSSIBLE. THE COMPANY DOES NOT GUARANTEE THAT ANY THIRD-PARTY SOFTWARE, WEBSITES, OR TOOLS WILL BE SECURE OR ERROR-FREE. AS A RESULT, THE COMPANY WILL NOT ACCEPT ANY LIABILITY ARISING OUT OF SUCH ERRORS OR PROBLEMS. THE COMPANY HAS NOT REVIEWED OR VERIFIED THE LINKS OF THIRD-PARTY LENDERS AND OTHER THIRD PARTIES PRESENT ON THE SITE. IT IS UP TO YOU TO VISIT THESE THIRD-PARTY LINKS AND ACCEPT THE PRODUCT OR SERVICES OFFERED BY THEM. BY VISITING SUCH LINKS, YOU ARE AT YOUR OWN RISK AND THE COMPANY IS NOT LIABLE FOR ANY LOSSES ACCRUED TO YOU THROUGH SUCH ACTIONS.
THE COMPANY IS NOT RESPONSIBLE FOR ANY DIRECT, INDIRECT, CONSEQUENTIAL, INCIDENTAL, OR ANY OTHER FORM OF LOSS OR DAMAGE THAT YOU MAY SUFFER DUE TO THE USE OF THE SITE AND THE SERVICES PROVIDED BY THIRD-PARTY SERVICE PROVIDERS WHO ARE PRESENTED AS LENDERS AND CAN BE MATCHED WITH UPON REQUEST. THE TOTAL LIABILITY OF THE COMPANY IN THE EVENT OF ANY LOSS OR DAMAGE CAUSED TO YOU BY THE USE OF THE WEBSITE IS LIMITED TO THE AMOUNT OF MONEY YOU HAVE PAID TO ACCESS OR USE THIS SITE.
SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OF CERTAIN WARRANTIES OR INCIDENTAL OR CONSEQUENTIAL DAMAGES, AND IN SUCH CASES, THE COMPANY'S LIABILITY WILL BE LIMITED TO THE MAXIMUM EXTENT PERMITTED BY LAW.
Third-Party Websites The Website may contain links to third-party websites and information about these third parties services. The Company does not take responsibility for the content of these third-party websites or the accuracy of the information they provide. By accessing third-party websites through links on our Website, you accept all risks and agree not to hold the Company responsible for any consequences associated with the use of these third-party websites.
The maximum damages awarded by the arbitrator, appointed by the American Arbitration Council to oversee the aforementioned conflict, cannot surpass the total damages claimed by the plaintiff (the user). Moreover, the arbitrator is barred from awarding punitive, incidental, or consequential damages as you have renounced your rights to claim these types of damages. The arbitration results are binding for the user, but the company reserves the right to pursue legal action in any court within its jurisdiction as an alternative to this dispute resolution method.
Residents of the following countries cannot access the website's services and products due to trade embargoes: Syria, Iran, North Korea, Cuba, Iraq, Libya, Sudan, and any other nation subject to U.S. trade embargoes. Additionally, the website's services and products are not available to individuals on the U.S. Treasury Department's list of Specially Designated Individuals or the U.S. Commerce Department's Table of Denial Orders.
Should any provisions in this document be deemed unlawful, outdated, or contradict prevailing regulations superseding these terms, such provisions will be excised. However, the remaining terms and the Terms and Conditions of Use as a comprehensive agreement will continue to be binding. Any failure by the company to enforce any of the provisions of this agreement does not constitute a waiver of any other provisions in the document or abrogate the company's rights.
The company, at its sole discretion, reserves the right to terminate or deny your access to the website should you violate any of the terms, or regulations stated on the website, or any applicable laws pertaining to the use of the website. You may terminate the agreement at any time by discontinuing the use of the website. Nonetheless, the applicable provisions will remain in effect after termination.
The headings included in these Terms and Conditions of Use are for ease of comprehension only and do not modify or nullify the meaning of the provisions contained in this document.
Should you have any queries, complaints, or requests regarding the services offered by the website, please reach out to us via email at [email protected]. If you believe your issue has not been properly addressed, you may also contact the relevant organizations in your state of residence that are authorized to review or resolve such matters.