Terms & Conditions of Use

Terms and Conditions of Use for {{SITE_HOST}}

Starting on May 1, 2026

You can get our loan referral services (described below) and other related content from our website(s) at {{SITE_HOST}} (the "Site") and through our mobile apps and other technologies (the "Mobile Apps"). Together, the Site and the Mobile Apps make up the "Service." These Terms and Conditions of Use (the "Terms") set out the rules for using and accessing the Service. You agree to follow these Terms when you access, browse, or use the Site, Mobile Apps, or any other part of the Service. You will not be able to access, browse, or use the Service if you do not agree to these Terms.

PLEASE READ THESE TERMS & CONDITIONS OF USE CAREFULLY, AS THEY CONTAIN AN AGREEMENT TO ARBITRATE AND OTHER IMPORTANT INFORMATION REGARDING YOUR LEGAL RIGHTS, REMEDIES, AND OBLIGATIONS. THE AGREEMENT TO ARBITRATE REQUIRES (WITH LIMITED EXCEPTION) THAT YOU SUBMIT CLAIMS YOU HAVE AGAINST US (INCLUDING OUR MARKETING PARTNERS AND/OR LENDING PARTNERS IF ONE OR MORE OF THOSE ENTITIES IS A TARGET OF YOUR CLAIM) TO BINDING AND FINAL ARBITRATION, AND FURTHER (1) YOU WILL ONLY BE PERMITTED TO PURSUE CLAIMS AGAINST US ON AN INDIVIDUAL BASIS (OR OUR MARKETING PARTNERS AND/OR LENDING PARTNERS IF ONE OR MORE OF THOSE ENTITIES IS A TARGET OF YOUR CLAIM), NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY CLASS OR REPRESENTATIVE ACTION OR PROCEEDING, (2) YOU WILL ONLY BE PERMITTED TO SEEK RELIEF (INCLUDING MONETARY, INJUNCTIVE, AND DECLARATORY RELIEF) ON AN INDIVIDUAL BASIS, AND (3) YOU MAY NOT BE ABLE TO HAVE ANY CLAIMS YOU HAVE AGAINST US (OR OUR MARKETING PARTNERS AND/OR LENDING PARTNERS IF ONE OR MORE OF THOSE ENTITIES IS A TARGET OF YOUR CLAIM) RESOLVED BY A JURY OR IN A COURT OF LAW.

CONDITIONS AND TERMS

Service for loan referrals

Our loan referral service, which we call the "Service," connects people who need loans with lenders who are part of our network (the "Lender Partners"). You must fill out an online request form (a "Request Form") that asks for your name, address, phone number, email address, social security number, bank account information, and employment information in order to use the Service. Please read our Privacy Policy, which you can find at Privacy Policy. The Privacy Policy's terms are included in and are a part of these Terms of Use.

Decisions about credit

{{SITE_HOST}} does not lend money or make credit decisions. {{SITE_HOST}} does not promise that any Lender Partner will give you a loan or that any loan offer will include any specific terms or conditions. {{SITE_HOST}} does not promise that the loan terms, including the price, product, availability, rates, fees, or any other terms offered by Lender Partners through the Service are the best ones on the market.

When you fill out a Request Form, {{SITE_HOST}} sends your information to our Lender Partners. By filling out a Request Form, you agree that you are asking the Lender Partners for loan offers. You also agree that {{SITE_HOST}} and the Lender Partners may get in touch with you in any way (email, phone, SMS, or direct mail) to help with your Request Form or to tell you about new offers now or in the future.

When Lender Partners get your Request Form, they look at your information in real time to see if it meets their underwriting standards. Your Request Form information may be used by Lender Partners to check your credit. This credit check could be a "Hard Check," which is a formal credit inquiry that leaves a mark on your credit report and could lower your credit score. Or it could be a "soft check," which is an informal inquiry that won't hurt your credit. You can get these credit checks done by TransUnion, Equifax, or Experian, which are the "Big Three," or by other credit reporting agencies or data aggregators that keep track of consumer transactions with lending institutions, like Microbilt, Teletrack, DP Bureau, or DataX. By sending in your Request Form, you agree to let Lender Partners look over, check, and research your information in this way.

If a Lender Partner thinks your Request Form meets its underwriting standards, your browser will take you to the lender's website. You agree that {{SITE_HOST}} will not be involved in the loan registration or decision process after you have been taken to the lender's website. The lender's privacy policy, terms of use, and other rules and policies apply to all of your dealings with them.

Disclosure by Email

By sending in your Request Form, you agree to get emails, notifications, and other documents and messages from both {{SITE_HOST}} and our Lender Partners. If you work with a Lender Partner, they may ask you to sign an electronic loan agreement. This electronic loan agreement will be just as binding as a loan agreement on paper. Your electronic signature will be just as good as a real signature on a paper loan contract.

The lender may also ask you to agree to get all loan-related notifications by email. These electronic messages could be attempts to collect a debt.

The lender may also ask you to look at documents related to the loan, like your loan contract. You agree to this type of access by sending in your Request Form.

The lender might let you take back your permission to get electronic disclosures. Please get in touch with the lender you were connected with to find out more about this process. But keep in mind that if you don't agree to get electronic disclosures, it could make it harder for you to get a loan from a Lender Partner.

Correctness

You say that the information you give to {{SITE_HOST}} and, in the end, the Lender Partners through your Request Form is correct and true. {{SITE_HOST}} may deny, suspend, or end your use of the Service if the information in your Request Form is not correct or true.

Control over Access to the Service, Features, and Functions

{{SITE_HOST}} can change any part of the Service, including its information, features, or functions, without telling you first. If you do anything that {{SITE_HOST}} thinks is wrong, violates these Terms, the rights of {{SITE_HOST}} or a third party, or is otherwise inappropriate, {{SITE_HOST}} may deny you access to all or part of the Service without warning. {{SITE_HOST}} is not responsible for any mistakes or delays in providing Service that are caused by mistakes in the Request Form information you give or by any technical problems that are beyond its reasonable control.

Limitations and Disclaimers

The website and all the information, software, products, and services that come with it are provided "as is." {{SITE_HOST}} makes no promises, either express or implied, about the website or any of the information, software, products, or services provided here, including but not limited to promises of title, non-infringement, merchantability, or fitness for a particular purpose.

{{SITE_HOST}} does not guarantee any results that may come from using the website and the information, software, products, and services that go along with it. You use the website and the service at your own risk.

{{SITE_HOST}} and the marketing partners do not endorse or recommend the products of any particular lender. {{SITE_HOST}} and the marketing partners are not agents of you or any participating lender. {{SITE_HOST}} is not involved with the lender's use or review of your request form information or in making a determination about whether you meet a particular lender's underwriting criteria. The lender is solely responsible for its services to you, and you agree that {{SITE_HOST}} will not be liable for any damages or costs of any type arising out of or in any way connected with your use of the service. You understand that lender partners may keep your request form information, whether or not you are qualified for a loan with them.

SOME STATES DO NOT ALLOW THE LIMITATION OF LIABILITY AND DISCLAIMER OF IMPLIED WARRANTIES, SO THE DISCLAIMERS AND LIMITATIONS ABOVE MAY NOT APPLY TO YOU. IN SUCH STATES, THE RESPECTIVE LIABILITY OF {{SITE_HOST}}, THE LENDER PARTNERS, THE MARKETING PARTNERS AND THEIR OFFICERS, DIRECTORS, AGENTS, SUBSIDIARIES, AFFILIATES, EMPLOYEES, SUCCESSORS, ASSIGNS, CONTENT PROVIDERS AND SERVICE PROVIDERS IS LIMITED TO THE GREATEST EXTENT PERMITTED BY LAW.

Some states don't allow disclaimers and limits on liability, so the above disclaimers and limits may not apply to you. In those states, the liability of {{SITE_HOST}}, the lender partners, the marketing partners, and their officers, directors, agents, subsidiaries, affiliates, employees, successors, assigns, content providers, and service providers is limited to the greatest extent allowed by law.

Indemnity

You agree to protect {{SITE_HOST}}, the Marketing Partners, and the Lender Partners from any and all liabilities, costs (including attorney's fees), and damages that come up because of claims made against you because of your use of the Website, including claims that say you broke these Terms.

Links to Other People

Lender Partners, marketing partners, or other third parties may run other websites that the Website links to. These links are only here for your convenience and reference. {{SITE_HOST}} does not run or have any control over any of the information, software, products, or services that are available on these third-party sites. {{SITE_HOST}} does not support the services or the site, its contents, or the organization that sponsors it just because it has a link to it.

Binding arbitration to settle disputes

PLEASE READ THIS SECTION CAREFULLY BECAUSE IT AFFECTS YOUR RIGHTS.

a. Agreeing to Arbitrate

This section of these Terms is called the "Arbitration Agreement." You agree that any and all disputes or claims that have come up or may come up between you and {{SITE_HOST}}, including {{SITE_HOST}}'s Marketing Partners and/or Lending Partners, whether they are related to these Terms (including any alleged breach thereof), the Service, any advertising, or any aspect of the relationship or transactions between us, will be settled only through final and binding arbitration, not in a court, as set out in this Arbitration Agreement. However, if your claims qualify, you can bring them to small claims court. Also, this Arbitration Agreement doesn't stop you from bringing problems to the attention of federal, state, or local agencies. If the law allows, those agencies can also seek relief against us on your behalf. By agreeing to these Terms, you and {{SITE_HOST}}, as well as {{SITE_HOST}}'s Marketing Partners and/or Lending Partners, are giving up your right to a jury trial or to be a part of a class action. A neutral arbitrator, not a judge or jury, will decide what your rights are. The Federal Arbitration Act tells us how to read and follow this Arbitration Agreement.

b. No class or representative actions and no individualized relief

YOU AND {{SITE_HOST}} AGREE THAT EACH OF US MAY BRING CLAIMS AGAINST THE OTHER, INCLUDING {{SITE_HOST}}’s MARKETING PARTNERS AND/OR LENDING PARTNERS, ONLY ON AN INDIVIDUAL BASIS AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS OR REPRESENTATIVE ACTION OR PROCEEDING. UNLESS BOTH YOU AND {{SITE_HOST}} (INCLUDING {{SITE_HOST}}'s MARKETING PARTNERS AND/OR LENDING PARTNERS IF ONE OR MORE OF THOSE ENTITIES IS A TARGET OF YOUR CLAIM) AGREE OTHERWISE, THE ARBITRATOR MAY NOT CONSOLIDATE OR JOIN MORE THAN ONE PERSON’S OR PARTY’S CLAIMS AND MAY NOT OTHERWISE PRESIDE OVER ANY FORM OF A CONSOLIDATED, REPRESENTATIVE, OR CLASS PROCEEDING. ALSO, THE ARBITRATOR MAY AWARD RELIEF (INCLUDING MONETARY, INJUNCTIVE, AND DECLARATORY RELIEF) ONLY IN FAVOR OF THE INDIVIDUAL PARTY SEEKING RELIEF AND ONLY TO THE EXTENT NECESSARY TO PROVIDE RELIEF NECESSITATED BY THAT PARTY’S INDIVIDUAL CLAIM(S), EXCEPT THAT YOU MAY PURSUE A CLAIM FOR AND THE ARBITRATOR MAY AWARD PUBLIC INJUNCTIVE RELIEF UNDER APPLICABLE LAW TO THE EXTENT REQUIRED FOR THE ENFORCEABILITY OF THIS PROVISION.

c. Resolving Disputes Before Arbitration

We always want to settle disagreements in a friendly and quick way. Most customer issues can be quickly and satisfactorily resolved by emailing customer support at [email protected]. If these efforts don't work, you and {{SITE_HOST}} (including {{SITE_HOST}}'s Marketing Partners and/or Lending Partners if one or more of those entities is a target of your claim) agree that the party who wants to go to arbitration must first send the other a written Notice of Dispute ("Notice") by certified mail. The Notice to {{SITE_HOST}} should go to 300 E. John Carpenter Fwy, Ste. 900, Irving, TX 75062. The Notice must (i) explain what the claim or dispute is about and why it is happening, and (ii) list the exact relief being sought. If you and {{SITE_HOST}} don't settle the claim within sixty (60) calendar days of getting the Notice, either you or {{SITE_HOST}} can start an arbitration process. The arbitrator won't know how much {{SITE_HOST}} or you are willing to pay until after the arbitration, when they decide how much you or {{SITE_HOST}} is owed.

d. How to Handle Arbitration

If you and {{SITE_HOST}} (including {{SITE_HOST}}'s Marketing Partners and/or Lending Partners if one or more of those entities is a target of your claim) do not agree in writing to go before a different arbitral body and/or arbitral rules, any arbitration between you and US will be handled by a neutral arbitrator according to the rules and procedures of the American Arbitration Association (AAA), including the AAA's Consumer Arbitration Rules (collectively, the "AAA Rules"), as changed by this Arbitration Agreement. To learn more about the AAA, go to its website at http://www.adr.org. The AAA's consumer arbitration page, https://www.adr.org/consumer, has information about the AAA Rules and fees for consumer disputes. If there is a conflict between any part of the AAA Rules and any part of this Arbitration Agreement, the terms of this Arbitration Agreement will take precedence unless the arbitrator decides that using the inconsistent Arbitration Agreement terms would not lead to a fundamentally fair arbitration. The arbitrator must also follow these Terms like a judge would. The arbitrator will decide all issues, including those about the scope, enforceability, and arbitrability of this Arbitration Agreement. Arbitration is usually easier and more straightforward than trials and other court cases. However, the arbitrator can give the same damages and relief to an individual as a court can under these Terms and applicable law. A court can only change an arbitrator's decision for very limited reasons.

If you and {{SITE_HOST}} (including {{SITE_HOST}}'s Marketing Partners and/or Lending Partners if one or more of those entities is a target of your claim) don't agree on anything else, any arbitration hearings will be held in a place that is reasonably convenient for both parties, taking into account their ability to travel and other relevant factors. AAA or the arbitrator will decide where to hold the meeting if the parties can't agree. {{SITE_HOST}} agrees that if your claim is for $10,000 or less, you can choose whether the arbitration will be based only on documents sent to the arbitrator, a phone hearing, or an in-person hearing, as long as the AAA Rules say so. The AAA Rules will decide if you have the right to a hearing if your claim is more than $10,000. No matter how the arbitration is done, the arbitrator will write a reasoned decision that explains the main findings and conclusions that led to the award.

e. Arbitration Costs

The AAA Rules will govern the payment of all filing, administration, and arbitrator fees (together, the "Arbitration Fees"), unless this Arbitration Agreement says otherwise or the parties make a separate agreement. If the amount of relief you want is $75,000 or less, {{SITE_HOST}} will pay all of the arbitration fees if you ask them to. If the amount of relief you want is more than $75,000 and you can show the arbitrator that you can't afford to pay your share of the Arbitration Fees, or if the arbitrator decides for any other reason that you shouldn't have to pay your share of the Arbitration Fees, {{SITE_HOST}} will pay your share of those fees. If you can show the arbitrator that the costs of arbitration will be too high compared to the costs of going to court, {{SITE_HOST}} will pay as much of the arbitration fees as the arbitrator thinks is necessary to keep the arbitration from being too expensive. The AAA Rules will apply to any payment of lawyers' fees.

f. Privacy

For the benefit of all parties (including {{SITE_HOST}}'s Marketing Partners and/or Lending Partners if one or more of those entities is a target of your claim), all parts of the arbitration process and any ruling, decision, or award by the arbitrator will be kept secret.

g. Beneficiaries from Other Parties

You agree that all rights given to {{SITE_HOST}} under these Terms and Conditions will also be available to our Lending Partners and Marketing Partners. This includes the right for each of them to enforce the Agreement to Arbitrate and the waiver of class actions. The consent, these Terms and Conditions, and the Privacy Policy will all be seen as third-party benefits for each Lending Partner and/or Marketing Partner.

h. Severability

If a court or the arbitrator finds that any part of this Arbitration Agreement (except for subsection (b) above titled "Prohibition of Class and Representative Actions and Non-Individualized Relief") is not valid or enforceable, the parties agree to replace it with a part that is valid and enforceable and that comes closest to what the invalid or unenforceable part meant. This Arbitration Agreement will be enforceable as so changed. If a court or the arbitrator finds that any of the provisions in subsection (b) above called "Prohibition of Class and Representative Actions and Non-Individualized Relief" are not valid or enforceable, then the whole Arbitration Agreement will be null and void. This is true unless those provisions are only found to be invalid or unenforceable when it comes to claims for public injunctive relief. The rest of these Terms will still be in effect.

i. Changes to the Arbitration Agreement in the Future

{{SITE_HOST}} agrees that if it changes this Arbitration Agreement in the future (other than changing the Notice Address) while you are using the Service, you can refuse the change by sending {{SITE_HOST}} written notice within thirty (30) calendar days of the change to the Notice Address given above. This is true even if these Terms say otherwise. If you refuse to accept any changes in the future, you agree to settle any disagreement between us according to the terms of this Arbitration Agreement as of the date you first agreed to these Terms (or any changes made to these Terms after that).

Your privacy

Please read our Privacy Policy, which is located at Privacy Policy. These Terms of Use include and are part of the Privacy Policy.

{{SITE_HOST}} Notice for Electronic Signatures, Records, and Disclosures ("E-Consent")

Please pay close attention to this information. You may have to use and agree to electronic signatures, records, and disclosures in order to get service from us. By accepting this E-Consent Notice, you agree that {{SITE_HOST}} can talk to you electronically, such as sending you electronic notices about your interactions and transactions. By accepting this E-Consent Notice, you are also agreeing to enter into legally binding agreements using electronic signatures, which are just as valid and binding as signatures on paper.

Terms and Conditions for SMS

You are agreeing to receive SMS messages from {{SITE_HOST}}, its Marketing Partners, and the Lender Partners by giving them your mobile phone number. These messages could include a follow-up text message with a link to your completed loan request form, payment reminders from Lender Partners, and future offers.

For more help, email [email protected].

There may be fees for sending messages and data. {{SITE_HOST}} will not be responsible for any fees that your wireless carrier or other third parties may charge you for using this service.

There are a number of reasons why messages might be delayed or not delivered. Carriers are not responsible for messages that are late or not delivered.

Other Words

These Terms are the only agreement between you and {{SITE_HOST}}. The laws of California will apply to these Terms, even if they conflict with other laws. If any part of these Terms is found to be unenforceable by law, the invalid and unenforceable provision will be replaced by a valid and enforceable provision that is most similar to the original provision's intent. The rest of these Terms will still be in effect. If {{SITE_HOST}} doesn't use or enforce any right or provision of these Terms, it doesn't mean that they have given up that right or provision. {{SITE_HOST}} can change these Terms at any time by putting the new terms on its website. All changed terms go into effect right away after they are posted.

Questions

If you have any questions about these Terms, please contact:

{{SITE_HOST}}

300 E. John Carpenter Fwy, Ste. 900, Irving, TX 75062

{{SITE_HOST}} is where you can get in touch with us.