Terms of Service

1. Nature of Our Services

YourLocalLoan is not a lender, broker, or financial institution. We do not originate loans, make credit decisions, or issue credit. We operate as a lead generation and affiliate marketing platform that connects consumers with third-party lenders or financial service providers ("Partners").

We do not guarantee that you will be matched with a lender, receive a loan offer, or be approved for a loan. Any loan products are offered solely by the third-party lenders or Partners, subject to their terms and conditions.

2. Eligibility Requirements

To use this Site, you must:

• Be at least 18 years old or the age of majority in your state
• Be a legal resident of the United States
• Submit truthful, complete, and accurate information
• Use the Site for personal, non-commercial purposes only

3. Loan Request and Data Sharing

By submitting a loan inquiry through the Site, you authorize YourLocalLoan and its third-party Partners to collect, process, and share your personal and financial information. This may include:

• Identifiers such as your name, contact information, and IP address
• Financial data like income, employment, and banking details
• Use of your data to determine potential eligibility for loan offers
• Communication with you via email, phone, SMS, or automated/pre-recorded calls

You grant express written consent under the Telephone Consumer Protection Act (TCPA), CAN-SPAM Act, and other applicable laws. Consent is not a condition of purchase. You may revoke consent by opting out via provided mechanisms.

We use a ping tree model in which your loan inquiry may be submitted to multiple lenders, and the lender offering the highest bid may be presented to you.

4. No Guarantees or Endorsements

We do not:

• Guarantee that you will be matched with a lender
• Guarantee that you will receive an offer or be approved
• Endorse or recommend any specific lender or financial product
• Control the terms, fees, interest rates, or decisions of third-party lenders

Lenders may conduct credit checks through national credit bureaus (Experian, Equifax, TransUnion) or alternative credit reporting agencies.

5. Third-Party Services and Websites

This Site may link to or redirect you to third-party websites. These sites operate independently and have their own privacy policies and terms of use. We are not responsible for the content, accuracy, legality, or availability of third-party services. Your dealings with such parties are solely between you and them.

6. Intellectual Property

All content on the Site, including but not limited to logos, text, images, and graphics, are owned by or licensed to YourLocalLoan. You may not copy, reproduce, or distribute any material without prior written consent.

7. Consent to Electronic Disclosures

By using this Site, you consent to receive all legally required disclosures and documents electronically. This includes loan offers, privacy notices, and terms. You may withdraw consent by contacting us, which may impact your ability to use the Site.

8. Session Recordation and Compliance Tools

We may use technologies such as Jornaya LeadiD and ActiveProspect TrustedForm to record user activity for compliance, verification, analytics, and fraud prevention purposes.

9. Disclaimer of Warranties

This Site is provided "as is" and "as available." We do not warrant that the Site will be error-free or uninterrupted. We disclaim all warranties, express or implied, including warranties of merchantability and fitness for a particular purpose.

10. Limitation of Liability

To the fullest extent allowed by law, YourLocalLoan and its officers, agents, partners, and affiliates shall not be liable for any indirect, incidental, special, or consequential damages arising from:

• Your use of or inability to use the Site
• Any errors, delays, or interruptions on the Site
• Actions or decisions made by third-party lenders
• Unauthorized access to or alteration of your data

11. Indemnification

You agree to indemnify and hold harmless YourLocalLoan, its affiliates, officers, employees, and contractors from any claims or liabilities arising out of your use of the Site, your violation of these Terms, or your dealings with third-party Partners.

12. State Restrictions and Tribal Lending

Some lenders may not operate in all U.S. states due to state regulations. YourLocalLoan does not operate in states where such services are prohibited. Some Partners may be Tribal Lending Entities, subject to tribal rather than state law. Review all loan terms carefully before proceeding.

13. Late Payments and Credit Reporting

Late or missed payments may result in additional fees and damage to your credit score. Always review repayment terms before accepting a loan.

14. Changes to These Terms

We may modify these Terms at any time. Updates will be posted on this page. Your continued use of the Site constitutes acceptance of the updated Terms.

15. Governing Law and Arbitration

These Terms are governed by the laws of the State of Delaware. Any disputes shall be resolved by binding individual arbitration through the American Arbitration Association. You waive your right to participate in class action lawsuits.

16. Contact Us

YourLocalLoan
Email: legal@yourlocalloan.com