Welcome to lendingbuddies5000.com ("we," "us," "our," or "Site"). By using this Site and Service, you agree to be bound by these Terms of Service ("Terms"). If you disagree with any part of these Terms, please don't use our Site or Service.
These Terms are a binding agreement between you and us. They explain your rights and responsibilities when you use our Site and Service, along with key disclaimers and limitations of liability.
We can change these Terms, including any related Disclosures and policies, at any time. We will notify you of any changes by posting the revised document on the Site, or by other reasonable means. If you continue to use the Site or our Service after we make changes, you accept the updated Terms.
THESE TERMS CONTAIN A BINDING ARBITRATION AGREEMENT AND A CLASS ACTION WAIVER. THESE PROVISIONS REQUIRE YOU TO ARBITRATE ANY DISPUTES OR CLAIMS YOU HAVE WITH US ON AN INDIVIDUAL BASIS. YOU WILL NOT BE ABLE TO PARTICIPATE IN A CLASS ACTION OR MULTI-ARBITRATION. YOU HAVE THE RIGHT TO OPT OUT OF THIS REQUIREMENT.
Our Service is only for U.S. residents of legal age. By accessing this Site and using our Service, you confirm that:
Our platform facilitates connections between users seeking loans ("Users") and potential lenders, lender networks ("Lending Partners") or third-party financial service providers ("Service Providers"). Our platform offers an online application process where Users can submit their personal and financial information to be considered for loan offers ("Service").
Compensation and Transparency. Our Service is free of charge to you. However, we receive financial compensation from Lending Partners, Service Providers, and other marketers in exchange for connecting you with them, sharing your information with them, and/or marketing their products and services to you.
This compensation allows us to offer our Services at no cost to you and supports our business operations. Please note that the compensation we receive may influence which lenders or services you are connected with, and the visibility of ads. You are more likely to be connected with the highest bidder(s) or see ads for those who offer the highest compensation.
To use our Service, you must complete a questionnaire about certain personal and financial details on our Site ("Request Form"). You agree to provide only true, accurate, and complete information and that you will not misrepresent your identity, impersonate any third party, or enter information on behalf of any third party.
Once you submit your request form(s), we will share your information with one or more Lending Partners. Lending Partners may review your information to assess whether to respond to your Loan Request by inviting you to apply for a Loan. This may include verifying your information, performing a credit check.
If a lender expresses interest in your request, we will connect you with such a lender by either opening a new web page or redirecting you to the lender's site. At this point our involvement in the loan request ends and your interactions with the lender are governed solely by agreements, terms, and policies by such lender.
If no lenders are found for your request, we may present you with marketing for personal finance related products and services ("Financial Services") offered by third-party service providers ("Service Providers"). You are under no obligation to accept or respond to any loan offers or Financial Services solicitations.
Not a Lender:
Important Note:
Service availability:
Remember that your financial decisions are your responsibility. While we offer a platform for finding you a loan option, we don't take responsibility for the choices or actions you make based on the information we provide.
Key Points to Consider:
To assess your eligibility for a loan, lenders may review your credit report from one or more credit reporting agencies (such as TransUnion, Experian, or Equifax). Additionally, to offer relevant financial services, we or our Service Providers may need to access certain details from your credit report, such as your credit score or total debt amount.
We and our Lending Partners require your consent to conduct transactions electronically, including using electronic signatures and receiving electronic communications, to facilitate your online loan request and enable the provision of an online loan.
You agree that all agreements, notices, disclosures and other communications that we or Lenders provide to you electronically satisfy any legal requirement that such communications be in writing.
By providing your information and requesting our services, you establish a business relationship with us. This allows us to contact you about our Service for up to 180 days from your last information input or service request.
Opt-Out: You have the right to withdraw your consent to receive marketing communications at any time, without impacting your ability to connect with a lender or obtain a loan. To stop receiving marketing communications, simply click the unsubscribe link or follow the instructions provided in the marketing communications.
You acknowledge and agree to avoid the following activities:
Our platform may contain links to external websites, including those of Lending Partners and Service Providers. Your use of any external websites linked from our platform is entirely at your own risk. We do not endorse, control, monitor, or assume any responsibility for the content, practices, or services offered by these third-party websites.
All content on this Site, including text, images, graphics, logos, and software, is solely owned by us and/or our licensors. Your use of the Site does not grant you ownership rights or licenses to any content, trademarks, or other intellectual property displayed on the Site.
YOU EXPRESSLY AGREE THAT YOUR USE OF THE SITE AND ANY SERVICES ON THE SITE IS AT YOUR OWN RISK. WE PROVIDE THE SITE AND THE SITE SERVICES ON AN "AS IS" BASIS. WE EXPRESSLY DISCLAIM ALL WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, INCLUDING THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT.
IN NO EVENT SHALL WE BE LIABLE FOR SPECIAL, INCIDENTAL, OR CONSEQUENTIAL DAMAGES, LOST PROFITS, LOST DATA OR CONFIDENTIAL INFORMATION, LOSS OF PRIVACY, COSTS OF PROCUREMENT OF SUBSTITUTE GOODS OR SERVICES, FAILURE TO MEET ANY DUTY OF GOOD FAITH OR REASONABLE CARE, NEGLIGENCE, OR OTHERWISE, REGARDLESS OF THE FORESEEABILITY OF THOSE DAMAGES OR NOTICE GIVEN TO US, ARISING OUT OF OR IN CONNECTION WITH YOUR USE OF THE SITE OR SERVICES.
OUR MAXIMUM LIABILITY TO YOU UNDER ALL CIRCUMSTANCES SHALL NOT EXCEED $100.00. YOU AGREE THAT THIS LIMITATION REPRESENTS A REASONABLE ALLOCATION OF RISK AND IS A FUNDAMENTAL ELEMENT OF THE BASIS OF OUR AGREEMENT.
You agree to defend, indemnify, and hold us harmless (along with our officers, directors, employees, agents, affiliates, representatives, sub-licensees, successors, and assigns) from and against any and all claims, actions, demands, causes of action, liabilities, damages, costs, or expenses arising out of or relating to: (a) your breach of this Agreement; (b) your use of the Site or Services in violation of this Agreement; (c) disputes resulting from your interactions with any lender, Lending Partner, or third party; (d) your violation of any federal, state, or local laws; (e) any claim alleging that content or data you provide infringes a third party's intellectual property rights.
You and we each agree to resolve any and all disputes or claims that have arisen or may arise between you and us, whether or not such dispute involves a third party, relating in any way to any aspect of our relationship, through negotiations and in good faith. If we don't resolve the Dispute within 60 days, you and we each agree to resolve it exclusively through final and binding arbitration.
You and we agree that each of us may bring a Dispute against the other only on our own behalf, and not on behalf of a class of persons or entities. You and we agree to waive the right to a trial by jury for all disputes.
You may opt out of this Agreement to Arbitrate. To opt out, you must notify us in writing within 30 days of the date that you first became subject to this arbitration provision. Notice must be provided by email to [email protected] with the subject line "Arbitration Opt-Out."
This Agreement together with all Disclosures, E-Consent and Credit Authorization constitutes the entire agreement between you and us concerning your use of the Site and Services. If any part of this Agreement is held invalid or unenforceable, that part will be construed to reflect the parties' original intent, and the remaining portions will remain in full force and effect.
Any questions, requests, notices must be sent via email at [email protected].