Last Updated: January 14, 2024
Welcome to the Terms and Conditions of loans-for-feds.com (the “Website”). By accessing and using this Website, you agree to comply with the following terms and conditions (the “Terms”). Please review these Terms carefully. If you do not agree to these Terms, kindly refrain from using the Website.
Loan Referral Service
Our loan referral service (the “Service”) is designed to connect individuals with potential lenders who are part of our network (the “Lender Partners”). To utilize the Service, you must complete an online request form (a “Request Form”) that includes personal information such as your name, address, phone number, email address, social security number, bank account details, and employment information. The collection and handling of this information are subject to our Website’s Privacy Policy, which is an integral part of these Terms.
Credit Decisions
It is essential to note that loans-for-feds.com is not a lender and does not make lending decisions. We cannot guarantee that any Lender Partner will extend a loan offer to you, and the specific terms and conditions of any loan offer are not within our control. We do not assure that the rates, products, availability, fees, or any other terms offered by Lender Partners through the Service are the most favorable available in the market.
Upon submission of a Request Form, your information is shared with our Lender Partners. By submitting a Request Form, you acknowledge and agree that you are requesting loan offers from the Lender Partners. You also consent to receive communications from loans-for-feds.com and the Lender Partners through various means, including email, phone calls, SMS, and direct mail, to assist in processing your Request Form and provide information about current or future offers.
Lender Partners review your Request Form in real-time to assess whether it meets their underwriting criteria. They may conduct a credit check based on your Request Form information, which can be either a formal credit inquiry (a “Hard Check”) that appears on your credit report and may impact your credit score or an informal inquiry (a “Soft Check”) that does not affect your credit. These credit checks may involve the “Big Three” credit reporting agencies (TransUnion, Equifax, and Experian) or other alternative credit reporting agencies. By submitting your Request Form, you consent to allow Lender Partners to review, verify, and analyze your information in this manner.
If a Lender Partner determines that your Request Form meets their underwriting criteria, you will be redirected to the lender’s website. At this point, loans-for-feds.com has no further involvement in the loan application or decision process. Your interactions with the lender are subject to the lender’s privacy policy, terms of use, and other applicable policies or terms.
Electronic Disclosure
When you submit your Request Form, you agree to receive notifications, disclosures, and other documents and communications from loans-for-feds.com and our Lender Partners. In the event you are connected with a Lender Partner, they may require you to electronically sign a loan contract, which is legally binding, and your electronic signature holds the same validity as a physical signature on a paper contract.
The lender may also request your consent to receive all communications related to your loan electronically, including debt collection attempts. You agree to this form of electronic access and communication by submitting your Request Form.
It is important to note that the lender may allow you to withdraw your consent to electronic disclosures. Please contact the lender directly for more information about this process. However, not consenting to electronic disclosures may impact your eligibility to receive a loan from a Lender Partner.
Accuracy
You are responsible for ensuring the accuracy and truthfulness of the information you provide to loans-for-feds.com and the Lender Partners through your Request Form. Inaccurate or false information may result in the denial, suspension, or termination of your access to the Service.
Control over Features, Functions, and Access
loans-for-feds.com reserves the right to modify any information, features, or functions of the Service without prior notice. We may deny your access to all or part of the Service without prior notice if we determine, at our sole discretion, that you have violated these Terms, infringed upon the rights of loans-for-feds.com or any third party, or engaged in inappropriate conduct. We are not responsible for errors or delays in providing the Service caused by inaccuracies in the information you provide in the Request Form or technical issues beyond our reasonable control.
Disclaimers and Limitations
THE WEBSITE AND ALL INFORMATION, SOFTWARE, PRODUCTS, AND SERVICES ASSOCIATED WITH IT ARE PROVIDED “AS IS.” loans-for-feds.com EXPRESSLY DISCLAIMS ANY WARRANTY OF ANY KIND, WHETHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO THE WARRANTIES OF TITLE, NON-INFRINGEMENT, MERCHANTABILITY, OR FITNESS FOR A PARTICULAR PURPOSE.
loans-for-feds.com MAKES NO WARRANTY REGARDING THE RESULTS THAT MAY BE OBTAINED THROUGH THE USE OF THE WEBSITE AND THE INFORMATION, SOFTWARE, PRODUCTS, AND SERVICES OFFERED HEREIN. YOUR USE OF THE WEBSITE AND THE SERVICE IS AT YOUR OWN RISK.
loans-for-feds.com, THE LENDER PARTNERS, ADVERTISERS, AND THEIR OFFICERS, DIRECTORS, AGENTS, SUBSIDIARIES, AFFILIATES, EMPLOYEES, SUCCESSORS, ASSIGNS, CONTENT PROVIDERS, AND SERVICE PROVIDERS SHALL NOT BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL, OR PUNITIVE DAMAGES OR OTHER INJURY ARISING OUT OF OR IN ANY WAY CONNECTED WITH THE USE OF THE WEBSITE, THE SERVICE, OR DELAYS OR INABILITY TO USE THE WEBSITE. THIS INCLUDES, BUT IS NOT LIMITED TO, DAMAGES RESULTING FROM BREACH OF CONTRACT, TORTIOUS CONDUCT, NEGLIGENCE, STRICT LIABILITY, OR OTHER CAUSES, EVEN IF loans-for-feds.com OR THE LENDER PARTNERS HAVE BEEN ADVISED OF THE POSSIBILITY OF DAMAGES.
loans-for-feds.com DOES NOT ENDORSE OR RECOMMEND THE PRODUCTS OF ANY SPECIFIC LENDER. WE ARE NOT AGENTS OF YOU OR ANY LENDER PARTNER. loans-for-feds.com IS NOT INVOLVED IN THE LENDER’S REVIEW OR USE OF YOUR REQUEST FORM INFORMATION OR IN THE DECISION-MAKING PROCESS REGARDING YOUR ELIGIBILITY. THE LENDER PARTNER IS SOLELY RESPONSIBLE FOR THEIR SERVICES TO YOU, AND YOU AGREE THAT loans-for-feds.com SHALL NOT BE LIABLE FOR ANY DAMAGES OR COSTS ARISING FROM YOUR USE OF THE SERVICE. YOU UNDERSTAND THAT LENDER PARTNERS MAY RETAIN YOUR REQUEST FORM INFORMATION, WHETHER OR NOT YOU QUALIFY FOR A LOAN WITH THEM.
SOME STATES MAY 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 LIABILITY OF loans-for-feds.com, THE LENDER PARTNERS, AND THEIR OFFICERS, DIRECTORS, AGENTS, SUBSIDIARIES, AFFILIATES, EMPLOYEES, SUCCESSORS, ASSIGNS, CONTENT PROVIDERS, AND SERVICE PROVIDERS SHALL BE LIMITED TO THE GREATEST EXTENT PERMITTED BY LAW.
Indemnity
By using the Website and the Service, you agree to indemnify loans-for-feds.com and the Lender Partners against any liabilities, expenses (including attorney’s fees), and damages arising from claims related to your use of the Website, including claims alleging breaches of these Terms.
Links to Third Parties
The Website may contain links to other websites operated by Lender Partners or third parties. These links are provided for your convenience and reference. loans-for-feds.com does not control or operate any aspect of the information, software, products, or services available on such third-party websites. Inclusion of a link to a website does not imply endorsement of the services, contents, or sponsoring organization of that site.
Dispute Resolution
Any dispute or controversy arising from the use of the Website, the Service, or any claims against loans-for-feds.com (a “Dispute”) will be exclusively resolved through binding arbitration in accordance with the commercial arbitration rules of the American Arbitration Association, conducted in Los Angeles, California. The arbitrator shall have no authority to award damages beyond actual compensatory damages and shall not award consequential, punitive, or exemplary damages. Class actions are not permitted under these Terms, and you waive your right to participate in or initiate such actions.
In the event that the arbitration provisions become inapplicable or unenforceable, or in the case of any lawsuit between you and loans-for-feds.com, jurisdiction and venue will be exclusively in the state and federal courts located in Los Angeles, California. Regardless of any contrary statute or law, any claim or cause of action arising from the use of the Service must be filed within one year after the claim or cause of action arose.
SMS Terms & Conditions
By providing your mobile phone number, you consent to receiving SMS communications from loans-for-feds.com and the Lender Partners. These communications may include a follow-up SMS containing a link to your completed loan Request Form, payment reminders from Lender Partners, and future offers.
For additional support, you can contact us at [email protected].
Please note that message and data rates may apply. loans-for-feds.com is not responsible for any fees charged by your wireless carrier or third parties for using this service. Message delivery may be delayed or undelivered for various reasons, and carriers are not liable for such delays or failures.
Other Terms
These Terms constitute the entire agreement between you and loans-for-feds.com. They are governed by the laws of California, without regard to its conflict of law principles. If any part of these Terms is deemed unenforceable under applicable law, the invalid provision will be replaced with a valid and enforceable provision that best reflects the intent of the original provision. All remaining provisions shall remain in effect.
loans-for-feds.com reserves the right to amend these Terms at any time by posting the updated terms on its website. All amendments become effective immediately upon posting.
Company’s Contact Information
Under California’s “Shine the Light” law, California residents who provide Personal Information to the Website may request certain information regarding our disclosure of Personal Data to third parties for their direct marketing purposes. To make such a request, please contact our consumer support helpline via e-mail at [email protected]. If we need, or are required, to contact you concerning any event that involves your information, we may do so by email, telephone, or mail.