Effective Date: [Insert Date]
Welcome to DirectLender.Loans (“we,” “us,” or “our”). These Terms of Service (“Terms”) govern your use of our website and loan matching services. By accessing or using our website, you agree to be bound by these Terms.
Services and Products We Offer
DirectLender.Loans is a loan matching service that connects borrowers with lenders in our network. We do not make loans directly but facilitate connections between borrowers and lenders who may be able to provide loan offers.
Our Services Include:
- Loan application processing and matching
- Connection with direct lenders in our network
- Information about loan products and terms
- Customer support for our matching service
Important: We own and operate four direct lending companies (Cascade Springs Credit, Galt Credit, Good Loans Fast, and Safe Loan). When you use our service, you may be matched with one of our owned lenders or with independent third-party lenders.
Loan Application Process
When you submit a loan application through our platform:
- Your information is transmitted to lenders in our network
- Interested lenders will review your application independently
- Lenders may contact you directly with loan offers
- You will be redirected to the interested lender’s website to complete the process
- You are under no obligation to accept any loan offer
- All loan terms, rates, and conditions are determined solely by the individual lenders
- We do not guarantee loan approval or influence lending decisions
Eligibility and Restrictions
To use our services, you must:
- Be at least 18 years of age
- Be a legal resident of the United States
- Have a valid Social Security Number
- Have a verifiable source of income
- Have an active checking account
- Provide accurate and complete information
Service Use
You agree to use our services only for lawful purposes and in accordance with these Terms. You may not:
- Provide false, inaccurate, or misleading information
- Submit multiple applications with different information
- Use our service to commit fraud or any illegal activity
- Attempt to circumvent our security measures
- Use automated systems to access our website
Direct Marketing
By using our services, you consent to receive marketing communications from us and our partners, including:
- Email communications about loan offers and financial products
- Text messages (SMS) to your mobile phone
- Phone calls regarding loan opportunities
- Direct mail offers
You may opt out of these communications at any time by following the unsubscribe instructions provided or contacting us directly.
Credit and Lending Disclosure
Important: We do not make credit decisions, run credit checks, or determine loan terms. Our role is limited to:
- Collecting your loan application information
- Transmitting your application to interested lenders in our network
- Facilitating the connection between you and potential lenders
All credit checks, loan decisions, terms, rates, and conditions are determined solely by the individual lenders who receive your application.
Compliance with Laws
You agree to comply with all applicable federal, state, and local laws when using our services. This includes providing accurate information and not using our service for any fraudulent or illegal purposes.
Intellectual Property
All content on our website, including text, graphics, logos, images, and software, is owned by DirectLender.Loans or our licensors and is protected by copyright and other intellectual property laws. You may not copy, distribute, or create derivative works from our content without written permission.
Limitation of Liability and Warranties
DISCLAIMER OF WARRANTIES: OUR SERVICES ARE PROVIDED “AS IS” WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED. WE DISCLAIM ALL WARRANTIES, INCLUDING MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.
LIMITATION OF LIABILITY: TO THE MAXIMUM EXTENT PERMITTED BY LAW, WE SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING LOSS OF PROFITS, DATA, OR USE, ARISING FROM YOUR USE OF OUR SERVICES.
Indemnity
You agree to indemnify and hold harmless DirectLender.Loans, its officers, directors, employees, and agents from any claims, damages, losses, or expenses arising from your use of our services or violation of these Terms.
Third Party Content
Our website may contain links to third-party websites or services. We are not responsible for the content, privacy practices, or terms of service of these third parties. Your interactions with third parties are solely between you and the third party.
Privacy
Your privacy is important to us. Please review our Privacy Policy, which explains how we collect, use, and protect your information. By using our services, you consent to our privacy practices.
Security
While we implement security measures to protect your information, no internet transmission is completely secure. You are responsible for maintaining the confidentiality of any account credentials and for all activities under your account.
Disputes and Legal Terms
Governing Law: These Terms are governed by the laws of [Insert State], without regard to conflict of law principles.
Dispute Resolution: Any disputes arising from these Terms or your use of our services shall be resolved through binding arbitration in accordance with the rules of the American Arbitration Association.
Class Action Waiver: You agree to resolve disputes individually and waive any right to participate in class action lawsuits.
Ending Submissions
You may stop using our services at any time. We reserve the right to suspend or terminate your access to our services for violation of these Terms or for any other reason at our sole discretion.
Data Policy Storage
We do not store your personal information on our website servers. Your application data is transmitted directly to our CRM system and interested lenders. Data retention practices are governed by our CRM provider and the individual lenders who receive your information.
Third-Party Content Disclaimer
We are not responsible for the accuracy, completeness, or reliability of any content provided by third parties, including lenders in our network. All loan terms, rates, and conditions are determined solely by the individual lenders.
Third-Party Disclosures
When you submit an application through our service, your information may be shared with:
- Direct lenders in our network (including our owned lending companies)
- Third-party service providers who assist with our operations
- Credit reporting agencies and verification services
- Marketing partners (with your consent)
Lender Terms and Rates Disclosure
Important Financial Disclosure: We do not determine, set, or influence loan terms, interest rates, or fees. Each lender in our network:
- Sets their own loan terms, Annual Percentage Rates (APRs), and fees
- Has their own qualification criteria and lending policies
- Operates under their own licensing and regulatory requirements
- Will provide you with complete loan terms before you accept any offer
You should carefully review all loan terms, rates, and conditions provided by the lender before accepting any loan offer.
Third-Lending Disclosure
We facilitate connections with various types of lenders, including:
- State-licensed direct lenders
- Tribal lenders operating under tribal sovereignty
- Online lending platforms
- Traditional financial institutions
Each lender operates under their own licensing and regulatory requirements.
Leading Partner Disclosure
Some lenders in our network may offer our company compensation for successful loan originations. This may create a potential conflict of interest, which we disclose to ensure transparency.
Personal Liability and Loss Present Reporting
You are responsible for:
- Providing accurate information in your loan application
- Understanding loan terms before accepting any offer
- Meeting repayment obligations for any loans you accept
- Protecting your personal and financial information
No Lead Recording
We do not record phone calls made through our service. Any recordings made by lenders are subject to their own policies and applicable laws.
Miscellaneous
Severability: If any provision of these Terms is found to be unenforceable, the remaining provisions will continue in full force and effect.
Entire Agreement: These Terms, together with our Privacy Policy, constitute the entire agreement between you and DirectLender.Loans.
Modifications: We may update these Terms from time to time. Changes will be effective when posted on our website. Continued use of our services constitutes acceptance of the updated Terms.
Contact Information: If you have questions about these Terms, please contact us at [Insert Contact Information].
These Terms of Service were last updated on [Insert Date].