Eligibility Criteria

• Age: 18 years or older
• Citizenship: Must be a U.S. citizen or permanent resident
• Income: Must have a steady income
• Creditworthiness: Must have a valid credit history

Application and Approval Process

• Application: You must submit a complete and accurate online application
• Approval: Approval is subject to lender review and verification of your application information
• Loan agreement: You must review and sign a loan agreement before receiving funding

Repayment Terms

• Repayment schedule: You must make regular payments according to the repayment schedule outlined in your loan agreement
• Payment methods: You can make payments online, by phone, or by mail
• Late payments: Late payment fees may apply if you fail to make a payment on time

Security and Privacy

• Data security: We use industry-standard encryption to protect your personal and financial information
• Privacy policy: We comply with all applicable federal and state laws regarding consumer privacy

Dispute Resolution

• Disputes: Any disputes arising from your loan must be resolved through binding arbitration
• Governing law: These terms and conditions shall be governed by and construed in accordance with the laws of [State/Province]

Modifications to the Agreement and Privacy Policy

We reserve the right to modify this Agreement and Privacy Policy at any time by posting an updated version or a change notice on our website. It is your responsibility to review these terms periodically. If you find any changes unacceptable, you must immediately stop using the website and its services. Unless we obtain your explicit consent, any revised Privacy Policy will apply only to information collected after the updated policy takes effect and will not impact data collected under a previous version.

AGREEMENT

These Terms of Use (the "Agreement") form a legally binding contract between you and us regarding your access to and use of this website and the services offered through it (the "Services"). By accessing or using the site and Services, you confirm that you have read, understood, and agreed to be bound by this Agreement, as well as our Privacy Policy (the "Privacy Policy"), which is incorporated herein by reference. IF YOU DO NOT AGREE TO THIS AGREEMENT OR THE PRIVACY POLICY, OR IF YOU DO NOT FULLY UNDERSTAND THEM, YOU MUST IMMEDIATELY STOP USING THE SITE AND SERVICES.

NOT A LENDER

We are a lead generation service. Important disclosures regarding lead generation can be found here. Your use of this Website and its Services is subject to your review and acceptance of these disclosures. This site does not offer or solicit loans. We are NOT A LENDER, do not make loan or credit decisions, and do not facilitate loans. The operator of this Website is not a lender’s agent, representative, or broker and does not endorse or charge for any service or product.

LOAN MATCHING SERVICE

We are a lead generation service. Important disclosures regarding lead generation can be found here. Your use of this Website and its Services is subject to your review and acceptance of these disclosures. This site does not offer or solicit loans. We are NOT A LENDER, do not make loan or credit decisions, and do not facilitate loans. The operator of this Website is not a lender’s agent, representative, or broker and does not endorse or charge for any service or product.Our loan matching service connects consumers with lead purchasers, as outlined in Certain Disclosures About Lead Generation. To use our Service, you must complete one or more online forms, providing details such as your name, address, phone number, email, social security number, bank account details, and employment information. Submitting this information does not constitute a credit application with us. Once you submit your request, we share your details with one or more participating lead purchasers and retain your information for compliance purposes and future access if you return to our Services. Lead purchasers may review your information to assess whether it meets their loan qualification criteria. This may include verifying your social security number, checking employment details, conducting a credit check, and cross-referencing national databases such as Microbilt, TransUnion, Experian, or Equifax. Additionally, we may verify your contact details (such as email and mailing address), correct common errors, and refine incorrectly entered data. However, we do not guarantee the accuracy of any information you provide. By submitting your request, you authorize lead purchasers and us to collect, review, verify, and process your information.

LOAN AMOUNTS

Loan amounts vary, and not all lenders can offer loans up to $200, to $35,000. Funding times differ by lender, and in some cases, faxing may be required. Submitting this online form does not guarantee loan approval or an offer. Additionally, if you do not qualify for the specific type of credit you are seeking, you may receive offers for alternative credit options. These offers may have terms that differ from or are less favorable than those you originally sought. You are under no obligation to accept or respond to any such offers.

Agreement to Electronic Signatures, Records, and Disclosures ("E-Consent")

By submitting a request to be connected with third-party lenders, you consent to the use of electronic signatures, records, and disclosures ("E-Consent"). Third-party lenders require this consent to offer you a loan, and we also require it to enter into this Agreement with you. This notice informs you of your rights regarding electronic disclosures, notices, and information. By clicking the link to accept our terms, you confirm that you have received this E-Consent and agree to conduct transactions electronically, including signing agreements and receiving disclosures. You may request paper copies of any disclosures by contacting the third-party lender directly, and they will provide these copies free of charge while retaining all necessary records as required by law. This E-Consent applies to all online interactions between you, us, and any third-party lender or service provider, including transactions conducted on computers, smartphones, or other internet-enabled devices. By providing your E-Consent, you authorize electronic processing of your information, communication via electronic means, and the provision of disclosures through email or websites. Before agreeing to conduct transactions electronically, ensure you have a computer, smartphone, or other internet-capable device, a valid email account, an internet browser with 128-bit encryption, and a PDF reader such as Adobe® Acrobat Reader®. A printer or storage device may be required to save disclosures for future reference. Your E-Consent for our lender connection service and for the consideration of your loan request by third-party providers is a one-time transaction and cannot be withdrawn. However, if you are connected with a third-party service provider, you may withdraw your consent with them at any time at no cost. Withdrawing consent before completing the loan process may prevent you from obtaining credit from that lender. You must notify third-party service providers of any changes to your email or mailing address, which can typically be updated through the lender’s website or by submitting a written request. By clicking the link to accept our terms, you confirm that you can access disclosures in the required formats and agree to receive them electronically. You also acknowledge that you have read and understand the terms of this Agreement, consent to using electronic signatures, and are aware that you may request free paper copies of electronic records. Declining to proceed indicates that you do not wish to use electronic signatures or conduct this transaction electronically. Electronic consent is required to receive services from us or third-party providers online.

Modifications to Agreement and Privacy Policy

We reserve the right to modify this Agreement and our Privacy Policy at any time, with notice provided through the posting of an updated version or a change notice on the website. It is your responsibility to review this Agreement and Privacy Policy periodically. If you find either unacceptable at any time, you must immediately discontinue use of the website and its services. Unless we obtain your explicit consent, any revised Privacy Policy will apply only to information collected after the updated policy takes effect and will not impact data collected under any previous Privacy Policy.

ELIGIBILITY

This service may not be available in every state, and we do not conduct business with residents of New York. By using the website or services, you confirm that you are at least 18 years old, a resident of the United States (excluding New York), and legally eligible to enter into contracts under applicable law.

LICENSE

As long as you comply with the terms of this Agreement, we grant you a non-exclusive, non-transferable, non-sublicensable, and revocable license to use the website and services. All rights, titles, and interests not explicitly granted in this Agreement remain reserved by us. The website and services are for your personal, non-commercial use, except as expressly permitted herein. You may not reproduce, duplicate, modify, sell, resell, or distribute any portion of the site without our express written consent. Except as stated in this Agreement, you are not granted any rights to our intellectual property or that of any third party. This license is contingent on your compliance with all terms and conditions. If you violate any provision of this Agreement, your rights under this section will be immediately revoked.

USER INFORMATION

When using the Services, you must complete a form and certify that all information you provide, whether on the form or elsewhere in connection with your use of the site and Services, is current, complete, and accurate.

Roles and Responsibilities of the Parties

You acknowledge and agree that in providing our Services, we do not act as your agent or the agent of any Service Provider. We do not make decisions regarding the products or services offered by Service Providers, nor do we recommend or endorse any such offerings. Our role is solely that of a paid marketing lead generator. Any contracts for financial products or services are entered into directly between you and the Service Providers. We are not a party to these contracts and have no involvement in the contracting process. Your ability to secure a loan or complete any transaction with a Service Provider is strictly a matter between you and that Service Provider. All rights and obligations related to products or services are exclusively between you and the Service Providers. We do not control, represent, warrant, or guarantee the quality, accuracy, reliability, completeness, usefulness, safety, or legality of requested or offered loans, the ability of lenders to fund loans, your ability to repay, or whether you and a lender will enter into a borrower-lender relationship. Any enforcement or performance of rights and obligations related to a loan is strictly between you and the lender. We are not liable or responsible for any actions, omissions, agreements, or transactions between you and any Service Provider.

Agreement to Receive SMS and Other Communications from Lenders and Third Parties

By registering on this site, you may be given the opportunity to provide your prior express written consent to receive communications via mail, email, SMS, and telephone from lenders and marketing partners. By agreeing to these terms, you expressly consent to being contacted at the phone number you provide for personal loan and other offers. This contact may include automated dialing systems, artificial or pre-recorded voice messages, and single or recurring text messages. The lenders and marketing partners authorized to contact you include, but are not limited to, the non-affiliate parties listed at the provided link. Standard message and data rates may apply to text message communications. If you do not wish to receive communications from lenders and marketing partners, you may withhold consent at the time of your loan request submission. Message delivery may be delayed or unsuccessful due to various factors, and neither lenders, carriers, nor any service providers used by lenders are responsible for such delays or failures.

THIRD-PARTY WEBSITES

This site may contain links to third-party websites ("Third-Party Websites") over which we have no control. We do not review or oversee the content, products, or services available on these Third-Party Websites. AS SUCH, WE DO NOT REPRESENT, WARRANT, OR ENDORSE ANY THIRD-PARTY WEBSITE, NOR DO WE GUARANTEE THE ACCURACY, TIMELINESS, CONTENT, LEGALITY, QUALITY, OR FITNESS OF ANY INFORMATION, MATERIALS, GOODS, OR SERVICES PROVIDED THROUGH THEM. Your use of Third-Party Websites is at your own risk, and you acknowledge and agree that we are not responsible or liable for any damages, losses, or harm—whether to you or any third party—resulting from your access to or use of such websites.

Restricted Uses

We impose certain restrictions on your use of the site and Services. By using them, you represent and warrant that you will not engage in any prohibited activities, including but not limited to: violating or attempting to breach any security features of the site or Services; copying, duplicating, or distributing any portion of the site's content, including designs, images, videos, text, graphics, products, and code, except for retaining a copy of the Agreement, Privacy Policy, or other permitted documents; using software to enable offline copying of content; modifying, reselling, or redistributing content without prior written permission; providing false, misleading, or inaccurate information to us or any Service Provider; impersonating any person or entity, or misrepresenting your affiliation with one; collecting user information such as email addresses or phone numbers; using automated tools such as bots, spiders, or scrapers to collect data from the site; accessing content or data not intended for you, or logging into unauthorized accounts or servers; probing, scanning, or testing vulnerabilities of the site, Services, or associated systems without proper authorization; interfering with or disrupting the site or Services, including submitting viruses, overloading, spamming, or crashing; sending unsolicited emails, including promotional content or advertisements; forging headers in emails or transmissions; or attempting to modify, reverse-engineer, decompile, or disassemble any of the site's source code. Any violation of these restrictions may result in civil or criminal liability.

Disclaimers and Limitation of Liability

We provide the Site and Services on an "as is" and "as available" basis without any warranties, express or implied. To the fullest extent permitted by law, we disclaim all warranties, including but not limited to implied warranties of merchantability, fitness for a particular purpose, and non-infringement. We do not guarantee that the Site or Services will meet your needs or function without interruption or error. You assume full responsibility for any loss or damage resulting from your use of the Site and Services, including potential harm to your computer or data. The Services and information provided may contain errors, bugs, or other limitations. Our liability is strictly limited; to the maximum extent allowed by law, we are not responsible for special, incidental, or consequential damages, including but not limited to lost profits, data loss, privacy breaches, or procurement costs for substitute goods or services. Regardless of the legal theory under which a claim arises, our total liability to you under all circumstances is capped at . This limitation is a key component of our agreement with you, and the Site and Services would not be available without such terms. Some jurisdictions may not permit certain warranty exclusions or liability limitations, so parts of this disclaimer may not apply to you. However, unless restricted by law, these disclaimers and limitations remain in effect to the fullest extent possible. No advice or information, whether oral or written, obtained through the Site or otherwise, will modify these terms.

INDEMNITY BY YOU

You agree to defend, indemnify, and hold us and our affiliates, officers, directors, employees, agents, representatives, successors, and assigns (collectively, the "Indemnified Parties") harmless from any claims, actions, demands, legal proceedings, liabilities, and expenses, including legal costs and attorneys' fees, arising from: (i) your breach of this Agreement, including any misrepresentation or warranty; (ii) your access to or use of the Website or Services in violation of this Agreement; (iii) any information or data you provide to us or the Indemnified Parties, except as permitted herein; (iv) your violation or alleged violation of any federal, state, local, or international law or regulation; or (v) your infringement or alleged infringement of any third party’s intellectual property rights, including copyrights and trademarks. The Indemnified Parties reserve the right, but not the obligation, to participate in your defense with legal counsel of their choice. You may not settle any claim without prior written consent from the relevant Indemnified Parties.

Governing Law; Jurisdiction and Venue

The site, Services, and this Agreement, including its interpretation, shall be governed by and construed in accordance with the substantive laws of the State of Nevada, as if executed and performed in Las Vegas, Nevada, without regard to its conflict of law principles. ANY CLAIM OR CAUSE OF ACTION ARISING FROM OR RELATED TO THE SITE, SERVICES, OR THIS AGREEMENT MUST BE FILED WITHIN ONE (1) YEAR FROM THE DATE IT AROSE OR BE PERMANENTLY WAIVED AND BARRED. All actions are subject to the limitations set forth above, and this Agreement shall be interpreted in accordance with its fair meaning rather than strictly for or against either party. Mandatory Agreement to Arbitrate on an Individual Basis ("Arbitration Agreement") PLEASE READ THIS SECTION CAREFULLY AS IT SIGNIFICANTLY AFFECTS YOUR LEGAL RIGHTS, INCLUDING YOUR RIGHT TO FILE A LAWSUIT OR HAVE A JURY TRIAL. THIS SECTION REQUIRES FINAL BINDING ARBITRATION AND WAIVES ANY RIGHT TO PARTICIPATE IN A CLASS, COLLECTIVE, CONSOLIDATED, OR REPRESENTATIVE ACTION. ARBITRATION REPLACES THE RIGHT TO GO TO COURT. YOU ARE WAIVING YOUR RIGHT TO A JURY TRIAL AND THE ABILITY TO FILE OR PARTICIPATE IN A CLASS OR REPRESENTATIVE ACTION, SUBJECT TO LIMITED EXCEPTIONS. DISPUTES WILL BE RESOLVED BY AN ARBITRATOR, NOT A JUDGE OR JURY. You and we agree that any "Dispute" between you and us (including any claim against any of our officers, employees, agents, affiliates, or representatives) arising from or related to the site, Services, or this Agreement—including statutory claims under laws such as the Truth in Lending Act or the Telephone Consumer Protection Act—shall be resolved through arbitration in accordance with the Commercial Rules of the American Arbitration Association (AAA) in Las Vegas, Nevada, unless we mutually agree on a different forum or arbitrator. The term "Dispute" shall be interpreted broadly and includes any claims based on contract, tort, statute, fraud, misrepresentation, advertising claims, or other legal theories. The arbitrator will decide all issues except those related to the scope, validity, and enforceability of this Arbitration Agreement or the arbitrability of any Dispute. This Arbitration Agreement does not prevent you from bringing a Dispute to the attention of federal, state, or local government agencies. The arbitrator’s final judgment or award may be entered in an appropriate court as a final ruling. The arbitrator may award costs, including AAA administrative fees, arbitrator compensation, and reasonable attorney’s fees, to the prevailing party.

GENERAL

This Agreement, along with any accompanying "I agree" button or other form of assent, constitutes the entire agreement between you and us regarding your use of the website and services. It may only be modified in one of two ways: (1) through a written amendment signed by an authorized executive, or (2) by our unilateral amendment, which will be posted on the website. If any provision of this Agreement is found to be invalid or unenforceable, it will be interpreted to reflect the original intent of the parties, while the remaining provisions will continue in full effect. A waiver of any term or breach by either party in one instance does not constitute a waiver of that term or any future breaches. You may not assign or transfer your rights or obligations under this Agreement without our prior written consent. This Agreement is binding upon and benefits the parties, their successors, and permitted assigns. You and we are independent contractors, and this Agreement does not create an agency, partnership, joint venture, or employer-employee relationship. Unless explicitly stated, there are no third-party beneficiaries to this Agreement. Section headings are for convenience only and do not affect the terms, conditions, or interpretation of this Agreement.

NOTICES

All notices required or permitted under this Agreement must be in writing. We will provide notices to you via email, using the most recent email address you have provided. You agree that receiving electronic notices from us satisfies any legal requirement for written notice. It is your sole responsibility to ensure that your email address on file with us is accurate and up to date. A notice from us will be considered effective once it has been sent to your registered email address.