1. Important Notice

These Terms & Conditions govern your use of LoanAgentForYou.com and the services made available through the website. By accessing or using the website, you agree to these Terms. If you do not agree, please do not use the website or submit information through it.

2. Our Service

LoanAgentForYou is a loan-request and loan-matching service. We are not a lender, do not make loans, and do not make credit, underwriting, approval, or denial decisions. We do not control the terms, rates, fees, eligibility criteria, or funding decisions of third-party lenders or other providers.

Submitting information through our website is a request for consideration or referral and does not by itself create a loan agreement or guarantee that you will receive a loan, a particular loan amount, a particular rate, or any other financial product.

3. Third-Party Lenders and Providers

When you submit a request, the information you provide may be transmitted to, matched with, or reviewed by third-party lenders, lending networks, service providers, advertisers, and other partners that may be able to provide a loan or alternative financial product or service.

Those third parties may contact you regarding your request, an offer, or related services, subject to the consents you provide and their own terms and privacy policies. Once information is transferred to a third party, that third party's policies and practices may apply.

4. No Guarantee of Approval

Completing the request form does not guarantee approval, funding, or any particular loan terms. A third party may decline a request or may offer a different amount, term, rate, or product than you requested. You are responsible for reviewing any offer and all applicable disclosures before accepting it.

5. Rates, Fees, Terms, and Representative Information

Loan amounts, APRs, fees, repayment periods, and funding times shown on this website may be representative or informational only. Actual terms are determined by the lender or provider making an offer and depend on factors such as creditworthiness, income, verification results, applicable law, and lender requirements.

We do not control or guarantee the lowest available rate or the best available product. You should compare offers and review the complete lender disclosures, including APR, finance charges, repayment schedule, fees, and other material terms, before accepting an offer.

6. Service Fees

We do not charge a fee to submit a request through our website. However, a third-party lender or provider may charge fees in connection with a product or service it offers. Any such fee should be disclosed by the applicable third party before you accept that product or service.

7. Eligibility and State Availability

You must be at least 18 years old and provide information that is accurate and complete. Additional eligibility requirements may be imposed by individual lenders or providers.

Our service and individual lenders or products may not be available in every state. Availability can change based on applicable law, lender requirements, and other factors. Do not rely on a general website statement as confirmation that a particular product is available to you.

8. Credit and Identity Checks

In connection with processing or evaluating your request, lenders and other authorized parties may obtain or verify consumer-report information or other identity and fraud-prevention information, where permitted by law and where you have provided the required authorization. A credit inquiry may be hard, soft, or another type depending on the provider and the product.

9. Your Information and Authorization

You agree that information you provide will be truthful, current, and complete to the best of your knowledge. You authorize us and applicable partners to use, process, verify, and share the information you provide as described in our Privacy Policy and the disclosures presented during the request process.

You must not knowingly submit information belonging to another person without that person's authorization, and you must not use the website for unlawful, deceptive, fraudulent, or abusive purposes.

10. Electronic Communications and Consent

Where you provide the applicable consent, you agree that we and participating partners may contact you using the contact information you provide, including by email, telephone, SMS/text message, and automated or prerecorded communications, about your request, offers, related financial services, or account/service matters, subject to applicable law and the specific consent language presented to you.

Message and data rates may apply. You may opt out of marketing communications using the unsubscribe or opt-out method included in the relevant communication. Opting out of one sender or partner may not automatically opt you out of communications from other parties to whom your information was provided.

11. Cookies, Analytics, and Tracking

We may use cookies, pixels, tags, SDKs, analytics tools, and similar technologies to operate the website, remember preferences, measure performance, detect fraud, understand website usage, and support advertising or attribution. Some technologies may be provided by third parties. Your browser may provide controls for restricting or deleting cookies; doing so may affect website functionality.

12. Third-Party Websites and Offers

The website may link to or redirect you to third-party websites. We do not control those websites and are not responsible for their content, availability, security, products, or privacy practices. Review the applicable third party's terms and privacy policy before providing additional information or accepting an offer.

13. Prohibited Conduct

You may not use the website to commit fraud, impersonate another person, interfere with website operation, introduce malicious code, attempt unauthorized access, scrape or harvest information for unlawful purposes, or otherwise violate applicable law.

14. Intellectual Property

Unless otherwise stated, the website, its design, text, graphics, logos, software, and other materials are owned by or licensed to LoanAgentForYou and are protected by applicable intellectual-property laws. You may not reproduce, distribute, modify, or commercially exploit website materials without permission, except as permitted by law.

15. Disclaimer of Warranties

To the fullest extent permitted by applicable law, the website and services are provided on an “as is” and “as available” basis. We do not guarantee that the website will always be uninterrupted, error-free, secure, or available, or that any particular lender, offer, approval, funding amount, rate, term, or outcome will be available.

16. Limitation of Liability

To the fullest extent permitted by law, LoanAgentForYou will not be liable for indirect, incidental, special, consequential, exemplary, or punitive damages arising from or related to your use of the website or services, including actions or omissions of third-party lenders, providers, networks, advertisers, or other partners. Nothing in these Terms excludes liability that cannot lawfully be excluded or limited.

17. Indemnification

To the extent permitted by law, you agree to defend, indemnify, and hold harmless LoanAgentForYou and its owners, personnel, contractors, and service providers from claims, losses, liabilities, damages, costs, and expenses arising out of your unlawful use of the website, your violation of these Terms, or your submission of false, misleading, or unauthorized information.

18. Changes to These Terms

We may update these Terms from time to time. Changes become effective when posted unless a later effective date is stated. Your continued use of the website after updated Terms are posted constitutes acceptance of the revised Terms to the extent permitted by law.

19. Governing Law and Disputes

These Terms are intended to be interpreted under the laws applicable to the business and its users, subject to any mandatory consumer-protection laws that apply to you. Any dispute-resolution, arbitration, class-action, venue, or governing-law provision should be reviewed and finalized by qualified counsel for the legal entity operating LoanAgentForYou before production use.

20. Contact

For questions about these Terms, please contact us at support@loanagentforyou.com.

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