Last Updated: July 6, 2026
Please read these Terms and Conditions ("Terms," "Agreement") carefully before using the LoanConnect website located at loanconnect.com, including all pages, content, and the loan-request form contained on it (collectively, the "Site" or "Service"). These Terms constitute a legally binding agreement between you ("you," "your," or "User") and LoanConnect ("LoanConnect," "we," "us," or "our"). By accessing the Site, submitting any information through the Site, or clicking any button, checkbox, or link indicating your agreement, you acknowledge that you have read, understood, and agree to be bound by these Terms, our Privacy Policy (incorporated herein by reference), and all applicable laws and regulations. If you do not agree with any part of these Terms, you must not use the Site.
This document is intended to be a clear, comprehensive statement of the terms governing your use of the Site. It is long because the subject matter — the collection and sharing of sensitive personal and financial information, and the facilitation of introductions to lenders — genuinely requires this level of detail. We encourage you to read it in full, and to contact us with any questions before submitting a request.
1. Acceptance of Terms
1.1 By using the Site in any way — including browsing, submitting a loan request, or interacting with any form, button, or feature — you affirmatively accept and agree to these Terms in their entirety, without modification. If you are using the Site on behalf of another person, you represent that you have the authority to bind that person to these Terms.
1.2 These Terms apply to all visitors, users, and others who access or use the Site, regardless of whether they complete a loan request.
1.3 We may update these Terms from time to time as described in Section 24 ("Modifications to the Service and These Terms"). Your continued use of the Site after any such update constitutes your acceptance of the revised Terms.
1.4 These Terms should be read together with our Privacy Policy, which describes how we collect, use, and share your personal information. If there is a direct conflict between these Terms and the Privacy Policy specifically regarding data handling, the Privacy Policy controls.
2. Definitions
For purposes of these Terms, the following definitions apply:
- "Participating Provider(s)" means the network of independent, third-party banks, credit unions, direct lenders, marketplace lenders, and other financial service providers with which LoanConnect may share your loan request for evaluation.
- "Loan Request" means the information you submit through the Site's multi-step form, including but not limited to your requested loan amount, personal identifying information, employment and income information, and banking information.
- "Personal Information" has the meaning given to it in our Privacy Policy.
- "Site" means the LoanConnect website, including all subdomains, pages, and the loan-request form.
- "You" or "User" means any natural person who accesses or uses the Site.
3. Description of Services
3.1 LoanConnect is not a lender. We do not make loans, extend credit, or make lending decisions of any kind. LoanConnect operates as an independent lead-generation and referral platform. Our Service allows you to submit a single Loan Request, which we may, at our discretion, share with one or more Participating Providers within our network for their independent review.
3.2 Each Participating Provider that receives your Loan Request makes its own, entirely independent decision about whether to extend an offer of credit to you, and on what terms. LoanConnect has no role in, and no ability to influence, any Participating Provider's underwriting criteria, approval decision, interest rate, fees, or repayment terms.
3.3 Submitting a Loan Request through the Site does not guarantee that you will be matched with a Participating Provider, that any Participating Provider will contact you, that you will receive a loan offer, or that any offer you do receive will match the amount, rate, or terms you requested.
3.4 Any relationship, agreement, contract, or loan that results from your use of the Site is solely between you and the Participating Provider that extends an offer to you. LoanConnect is not a party to, and assumes no liability or responsibility for, any such agreement.
3.5 The Service is provided free of charge to consumers. LoanConnect does not charge you any fee to submit a Loan Request or to be considered by Participating Providers. LoanConnect may, however, receive compensation from Participating Providers for successful referrals; this compensation does not increase, and is not related to, any cost to you.
4. Eligibility Requirements
4.1 To use the Site and submit a Loan Request, you must:
(a) be at least 18 years of age (or the age of legal majority in your state of residence, if higher);
(b) be a legal resident of the United States and currently residing in the United States;
(c) have the legal capacity to enter into a binding contract;
(d) provide information that is true, accurate, current, and complete; and
(e) not be prohibited from receiving services under the Site by applicable law, including U.S. export control and sanctions laws.
4.2 The Service may not be available to residents of all U.S. states, either because we do not have Participating Providers licensed in that state, or because state law imposes restrictions on the type of referral service we provide. If you submit a Loan Request from a state where the Service is unavailable, we reserve the right to decline to process your request.
4.3 Active-duty military personnel and their dependents may be subject to additional protections and restrictions under the Military Lending Act and the Servicemembers Civil Relief Act. Some Participating Providers may not extend certain covered loan products to active-duty military personnel, their spouses, or their dependents. See Section 22 for more information.
4.4 We reserve the right, in our sole discretion, to refuse service, deny access to the Site, or decline to process any Loan Request for any lawful reason, including suspected fraud, misuse, or violation of these Terms.
5. Nature of the Marketplace; Relationship with Participating Providers
5.1 LoanConnect is not an agent, partner, joint venturer, or representative of any Participating Provider, and no Participating Provider is an agent, partner, joint venturer, or representative of LoanConnect. Each Participating Provider is an independent business, and its inclusion in our network is not an endorsement by LoanConnect of its products, rates, or business practices.
5.2 We do not review, verify, or vouch for the accuracy of any offer, rate, or term presented to you by a Participating Provider. It is your sole responsibility to review, understand, and independently evaluate any offer before accepting it, including the Annual Percentage Rate (APR), all fees, the repayment schedule, and the total cost of borrowing over the life of the loan.
5.3 LoanConnect does not review loan applications, does not underwrite loans, does not set interest rates or fees, and does not disburse loan funds. All funding, if any, is disbursed directly by the Participating Provider that extends the offer you accept, subject to that provider's own processes and timelines.
5.4 Some Participating Providers may, in turn, work with their own network of funding sources or investors. LoanConnect has no visibility into, and no control over, those downstream relationships.
6. No Guarantee of Approval or Loan Terms
6.1 Neither LoanConnect nor any statement on the Site constitutes a promise, representation, or guarantee of loan approval, a specific interest rate, a specific loan amount, or any other loan term.
6.2 References on the Site to loan amounts (for example, "$100 to $40,000") describe the general range of amounts that Participating Providers, collectively, may consider — they are not a promise that any specific amount will be available to you.
6.3 Approval, if any, and the terms of any approval, are determined solely by the Participating Provider based on its own underwriting criteria, which may include your credit history, income, debt-to-income ratio, employment status, banking history, and other factors not disclosed to LoanConnect.
6.4 Submitting multiple Loan Requests, or requesting a higher amount than you may reasonably qualify for, will not increase your likelihood of approval and may affect your experience with Participating Providers.
7. Accuracy of Information; User Representations and Warranties
7.1 By submitting a Loan Request, you represent and warrant that:
(a) all information you provide is true, accurate, current, and complete;
(b) you are submitting your own information, and not impersonating any other person or entity;
(c) you have the legal right to provide any Social Security number, driver's license number, bank account and routing number, or other identifying information you submit;
(d) you are not submitting the Loan Request for any fraudulent, unlawful, or unauthorized purpose; and
(e) you will promptly update any information that becomes inaccurate, to the extent you are able to do so by contacting us.
7.2 You acknowledge that Participating Providers may independently verify the information you submit, including through consumer reporting agencies, identity verification services, and bank verification services, and that inaccurate information may result in delay, denial, or rescission of any offer.
7.3 Knowingly submitting false, fraudulent, or misleading information through the Site is a material breach of these Terms and may expose you to civil and criminal liability under applicable law, including federal wire fraud and identity theft statutes.
8. Consent to Electronic Communications and Signatures
8.1 By using the Site, you agree that we may communicate with you electronically, including by email, and that any disclosures, notices, or agreements we provide to you electronically satisfy any legal requirement that such communications be in writing, to the fullest extent permitted under the Electronic Signatures in Global and National Commerce Act ("E-SIGN Act") and applicable state law.
8.2 You confirm that you have the necessary equipment (a computer or mobile device, an internet connection, and a current web browser or email client) to access and retain electronic communications, and that you are able to print or save a copy of any electronic communication for your records.
8.3 You may withdraw your consent to receive electronic communications at any time by contacting us using the information in Section 35, though doing so may affect our ability to process your Loan Request or communicate with you about it.
8.4 Any electronic signature, checkbox selection, or button click you use to indicate agreement on the Site has the same legal force and effect as a handwritten signature.
9. Consent to Be Contacted
9.1 Please read this section carefully. By submitting a Loan Request and checking the applicable consent box on the Site, you expressly consent and agree that LoanConnect and any Participating Provider to which your Loan Request is shared may contact you at the telephone number(s), email address, and mailing address you provide, using any of the following methods:
(a) live agent telephone calls;
(b) automatic telephone dialing systems ("autodialers") and prerecorded or artificial voice messages;
(c) text messages (including SMS and MMS), which may incur message and data charges from your mobile carrier; and
(d) email.
9.2 This consent applies even if the telephone number you provide is registered on a state or federal Do Not Call registry, and even if your telephone number is assigned to a cellular telephone service. You represent that you are the subscriber, authorized user, or customary user of the telephone number(s) and email address you provide, and that you have authority to consent to receive communications at that telephone number and email address on behalf of any other user of that number or address.
9.3 Consent is not a condition of purchase or a condition of using the Service. You are not required to agree to receive autodialed or prerecorded marketing calls or texts as a condition of submitting a Loan Request; however, because the fundamental purpose of the Service is to connect you with Participating Providers by telephone, email, and text, declining this consent may substantially limit or eliminate our and Participating Providers' ability to process your Loan Request.
9.4 This consent is provided under the Telephone Consumer Protection Act ("TCPA") and constitutes your "prior express written consent" to be contacted as described above. You understand that LoanConnect and each Participating Provider that receives your Loan Request may rely on this consent independently.
9.5 You may revoke your consent to receive future communications at any time by: (a) replying "STOP" to any text message you receive; (b) informing a live agent during any call that you wish to stop receiving calls; or (c) contacting us directly using the information in Section 35. Please note that revoking consent with LoanConnect does not automatically revoke consent previously given to a Participating Provider that has already received your Loan Request; you may need to contact that Participating Provider separately.
9.6 Message and data rates may apply to any text messages you receive. Message frequency varies. You may text HELP to any short code we use for assistance.
10. Credit Inquiries and Soft/Hard Pulls
10.1 LoanConnect itself does not perform any credit check, credit inquiry, or "pull" of your credit report or credit score in connection with your Loan Request.
10.2 Participating Providers that receive your Loan Request may, independently and at their own discretion, obtain a "soft" credit inquiry (which typically does not affect your credit score) to pre-qualify or pre-screen you, and may later obtain a "hard" credit inquiry (which may affect your credit score) if you proceed to formally apply for and accept a specific loan offer. Whether, when, and what type of credit inquiry is performed is determined solely by each Participating Provider, and you should ask any Participating Provider directly about its credit inquiry practices before proceeding with an application.
10.3 By submitting a Loan Request, you authorize Participating Providers to obtain such consumer reports and other verification information as they deem necessary to evaluate your Loan Request, consistent with the Fair Credit Reporting Act ("FCRA") and applicable state law.
11. Fees; No Cost to Consumers
11.1 LoanConnect does not charge consumers any fee to use the Site, submit a Loan Request, or be considered by Participating Providers.
11.2 We are not responsible for, and this Section does not limit, any fees, interest, or costs that a Participating Provider may charge you in connection with a loan you actually obtain, which will be disclosed to you directly by that provider before you accept any offer.
11.3 If you are ever asked to pay an upfront fee to LoanConnect in order to receive a loan offer or approval, this is not a legitimate practice associated with our Service, and we encourage you to contact us immediately and to report the incident to the Federal Trade Commission at reportfraud.ftc.gov.
12. Loan Amount, APR, and Advertising Disclosures
12.1 Consistent with applicable advertising standards, the Site discloses that: (a) the range of loan amounts Participating Providers may consider is generally $100 to $40,000; (b) repayment terms vary by Participating Provider, loan amount, and applicable state law; and (c) Annual Percentage Rates vary by Participating Provider and applicant and will be disclosed to you directly by any Participating Provider before you accept an offer.
12.2 We do not advertise, and no Participating Provider in our network is permitted to offer through this Site, any loan product structured to require repayment in full in fewer than 61 days, or any loan product with an Annual Percentage Rate that would be prohibited under applicable advertising network policy or state law.
12.3 Before accepting any loan offer, you should carefully review the specific APR, all origination or other fees, the total repayment amount, and the repayment schedule that the Participating Provider provides to you directly, as these will govern your actual loan — not any general range described on the Site.
13. No User Accounts; Session Security
13.1 The Site does not currently require you to create a persistent account with a username and password. Your Loan Request is associated with a unique, randomly generated identifier for the duration of your session, used solely to track your progress through the multi-step form and to route your information appropriately.
13.2 You are responsible for maintaining the security of the device and browser you use to access the Site, and for closing your browser session on any shared or public device after completing or abandoning a Loan Request.
13.3 If, in the future, the Site offers persistent user accounts, additional terms governing account creation, credentials, and security will apply and will be presented to you at that time.
14. Prohibited Uses
14.1 You agree not to use the Site to:
(a) submit any information that is false, misleading, or belongs to another person without that person's knowledge and authorization;
(b) impersonate any person or entity, or misrepresent your affiliation with any person or entity;
(c) attempt to gain unauthorized access to any portion of the Site, other users' data, or any server, database, or system connected to the Site;
(d) interfere with, disrupt, or place undue burden on the Site or the networks or services connected to the Site, including through the use of bots, scrapers, or other automated means not authorized by us;
(e) reverse engineer, decompile, or disassemble any portion of the Site, except to the extent such restriction is prohibited by applicable law;
(f) upload or transmit any virus, malware, or other harmful code;
(g) use the Site for any unlawful purpose, or in violation of any local, state, national, or international law or regulation;
(h) harvest or collect information about other users of the Site; or
(i) submit a Loan Request on behalf of a business, rather than as an individual consumer seeking a personal loan, unless expressly permitted by a specific Participating Provider's program.
14.2 We reserve the right to investigate and take appropriate legal action against anyone who, in our sole discretion, violates this Section, including removing the offending content (if any), suspending or terminating your access to the Site, and reporting the conduct to law enforcement authorities.
15. Intellectual Property Rights
15.1 The Site and all content on it, including but not limited to text, graphics, logos, button icons, images, audio and video clips, data compilations, page layout, underlying code, and software (collectively, the "Content"), are the property of LoanConnect or its licensors and are protected by United States and international copyright, trademark, patent, trade secret, and other intellectual property laws.
15.2 "LoanConnect" and our logo are trademarks of LoanConnect (whether or not registered). You may not use our trademarks in connection with any product or service without our prior written consent.
15.3 We grant you a limited, non-exclusive, non-transferable, revocable license to access and use the Site for your personal, non-commercial use of submitting a Loan Request, subject to these Terms. This license does not include any right to: (a) resell or make commercial use of the Site or its Content; (b) collect and use any product listings, descriptions, or prices; (c) make derivative use of the Site or its Content; or (d) use any data mining, robots, or similar data-gathering tools.
15.4 Any unauthorized use of the Content terminates the limited license granted by LoanConnect.
16. Third-Party Links and Services
16.1 The Site may contain links to third-party websites, including the websites of Participating Providers, or embedded third-party tools (such as analytics or advertising services). These links are provided for your convenience only.
16.2 LoanConnect does not control, and is not responsible for, the content, privacy practices, or terms of service of any third-party website. Your use of any third-party website is at your own risk and subject to that website's own terms and privacy policy, which we encourage you to review.
16.3 The inclusion of any link does not imply endorsement by LoanConnect of the linked site or any product, service, or opinion it contains.
17. Disclaimers of Warranties
17.1 THE SITE AND ALL CONTENT, INFORMATION, AND SERVICES PROVIDED THROUGH IT ARE PROVIDED "AS IS" AND "AS AVAILABLE," WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED. TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, LOANCONNECT DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT.
17.2 LOANCONNECT DOES NOT WARRANT THAT: (A) THE SITE WILL BE UNINTERRUPTED, TIMELY, SECURE, OR ERROR-FREE; (B) ANY LOAN REQUEST WILL RESULT IN A MATCH WITH A PARTICIPATING PROVIDER OR IN ANY LOAN OFFER; (C) ANY INFORMATION OBTAINED THROUGH THE SITE WILL BE ACCURATE OR RELIABLE; OR (D) ANY DEFECTS IN THE SITE WILL BE CORRECTED.
17.3 Some jurisdictions do not allow the exclusion of certain warranties, so some of the above exclusions may not apply to you. In that case, such warranties are limited to the shortest period and narrowest scope permitted by applicable law.
18. Limitation of Liability
18.1 TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL LOANCONNECT, ITS OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, OR LICENSORS BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, including but not limited to damages for loss of profits, goodwill, use, data, or other intangible losses, arising out of or relating to your access to or use of, or inability to access or use, the Site, any Participating Provider, or any loan or loan offer, whether based on warranty, contract, tort (including negligence), statute, or any other legal theory, and whether or not LoanConnect has been advised of the possibility of such damages.
18.2 TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, LOANCONNECT'S TOTAL CUMULATIVE LIABILITY TO YOU FOR ALL CLAIMS ARISING OUT OF OR RELATING TO THE SITE OR THESE TERMS SHALL NOT EXCEED ONE HUNDRED DOLLARS ($100.00) OR THE AMOUNT YOU HAVE PAID TO LOANCONNECT IN THE PAST TWELVE (12) MONTHS (WHICH, GIVEN THE SITE IS FREE TO CONSUMERS, IS EXPECTED TO BE ZERO), WHICHEVER IS GREATER.
18.3 LoanConnect is not responsible or liable for any act, omission, representation, warranty, breach, or negligence of any Participating Provider, or for any personal injury, death, property damage, or other damage or loss resulting from your dealings with any Participating Provider.
18.4 Some jurisdictions do not allow the limitation or exclusion of liability for incidental or consequential damages, so some of the above limitations may not apply to you. In that case, LoanConnect's liability is limited to the greatest extent permitted by applicable law.
19. Indemnification
19.1 You agree to defend, indemnify, and hold harmless LoanConnect and its officers, directors, employees, contractors, agents, licensors, and suppliers from and against any claims, liabilities, damages, judgments, awards, losses, costs, expenses, or fees (including reasonable attorneys' fees) arising out of or relating to: (a) your violation of these Terms; (b) your submission of false, inaccurate, or fraudulent information through the Site; (c) your violation of any third party's rights, including any right of privacy or intellectual property right; or (d) your violation of any applicable law, rule, or regulation.
19.2 We reserve the right, at our own expense, to assume the exclusive defense and control of any matter otherwise subject to indemnification by you, in which event you agree to cooperate with our defense of such claim.
20. Dispute Resolution; Arbitration Agreement; Class Action Waiver
PLEASE READ THIS SECTION CAREFULLY — IT AFFECTS YOUR LEGAL RIGHTS, INCLUDING YOUR RIGHT TO FILE A LAWSUIT IN COURT.
20.1 Agreement to Arbitrate. You and LoanConnect agree that any dispute, claim, or controversy arising out of or relating to these Terms, the Site, or the Service (a "Dispute") will be resolved through binding, individual arbitration, rather than in court, except that either party may bring an individual action in small claims court, and except as set forth in Section 20.7 below.
20.2 Informal Resolution First. Before either party initiates arbitration, the parties agree to first attempt to resolve the Dispute informally by contacting the other party in writing and engaging in good-faith negotiations for at least thirty (30) days.
20.3 Arbitration Procedures. Any arbitration will be administered by a recognized arbitration organization mutually agreed upon by the parties (or, absent agreement, the American Arbitration Association) under its rules then in effect for consumer-related disputes, to the extent those rules are not inconsistent with this Agreement. The arbitration will be conducted by a single, neutral arbitrator, and may be conducted by telephone, video, written submissions, or in person in the county of your residence, at your election.
20.4 Class Action Waiver. YOU AND LOANCONNECT AGREE THAT EACH MAY BRING CLAIMS AGAINST THE OTHER ONLY IN YOUR OR ITS INDIVIDUAL CAPACITY, AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS, COLLECTIVE, OR REPRESENTATIVE PROCEEDING. Unless both you and LoanConnect agree otherwise in writing, the arbitrator may not consolidate more than one person's claims and may not otherwise preside over any form of a representative or class proceeding.
20.5 Opt-Out Right. You may opt out of this arbitration agreement within thirty (30) days of first accepting these Terms by sending written notice of your decision to opt out to the contact address in Section 35, including your name, address, and a clear statement that you wish to opt out of arbitration. If you opt out, neither you nor LoanConnect will be bound by the arbitration or class-action-waiver provisions of this Section 20 with respect to future Disputes, but all other provisions of these Terms will continue to apply.
20.6 Costs. Payment of filing, administration, and arbitrator fees will be governed by the applicable arbitration organization's rules, and, where required by applicable law, LoanConnect will pay costs to the extent necessary to make consumer arbitration affordable.
20.7 Exceptions. Notwithstanding the foregoing, either party may bring a lawsuit solely for injunctive relief to stop unauthorized use or abuse of the Site, or infringement of intellectual property rights, without first engaging in arbitration or the informal dispute resolution process described above. Additionally, nothing in this Section prevents you from filing a complaint with a federal, state, or local government agency.
20.8 Severability of Arbitration Provisions. If any part of this arbitration agreement is found to be unenforceable, the remainder shall remain in full force and effect, except that if the Class Action Waiver in Section 20.4 is found unenforceable as to a particular claim or request for relief, that claim or request must be severed from arbitration and heard in court, with the remaining claims arbitrated.
21. Governing Law; Venue
21.1 These Terms, and any Dispute not subject to arbitration, are governed by the laws of the State of Delaware, without regard to its conflict-of-laws principles, except to the extent preempted by, or inconsistent with, federal law, and except that consumer protection laws of your state of residence may also apply where required.
21.2 Subject to the arbitration agreement in Section 20, you agree that any Dispute not subject to arbitration shall be brought exclusively in the state or federal courts located in Delaware, and you consent to the personal jurisdiction of those courts.
22. Communications with Servicemembers and Military Consumers
22.1 The Military Lending Act ("MLA") provides special protections for active-duty servicemembers, their spouses, and certain dependents ("Covered Borrowers") in connection with certain consumer credit products, including a capped Military Annual Percentage Rate.
22.2 Some Participating Providers may not offer certain loan products to Covered Borrowers, or may offer different terms consistent with the MLA. LoanConnect asks about military status during the Loan Request process in order to route your request appropriately and, where applicable, to screen out products that are not available to Covered Borrowers.
22.3 Nothing in these Terms limits any right or protection available to Covered Borrowers under the MLA, the Servicemembers Civil Relief Act, or any other applicable law.
23. State-Specific Terms and Notices
23.1 California Residents. Under California Civil Code Section 1789.3, California users are entitled to know that they may file grievances and complaints with the Complaint Assistance Unit of the Division of Consumer Services of the California Department of Consumer Affairs by contacting them in writing at 1625 North Market Blvd., Suite N 112, Sacramento, CA 95834, or by telephone at (800) 952-5210.
23.2 New York Residents. Loan brokering activities in New York are subject to specific state licensing and disclosure requirements. To the extent LoanConnect's activities in New York are subject to such requirements, we intend to comply with all applicable New York law, and nothing in these Terms should be read to limit any right or remedy available to New York residents under New York law.
23.3 Residents of Other States. Certain provisions of these Terms, including the arbitration agreement and limitation of liability, may be limited or unenforceable in your state to the extent inconsistent with state consumer protection statutes. In that case, this Agreement should be read to give effect to the maximum extent permitted under your state's law, with the remaining provisions continuing in full force.
23.4 If any state-specific provision required by law is missing from this Section, it is nonetheless deemed incorporated into these Terms to the extent required for compliance, and we will update this Section from time to time to reflect such requirements.
24. Modifications to the Service and These Terms
24.1 We reserve the right to modify, suspend, or discontinue the Site, or any part of it, at any time, with or without notice, and without liability to you.
24.2 We reserve the right to amend these Terms at any time by posting the amended Terms on the Site with an updated "Last Updated" date. Material changes will, where feasible, be highlighted or otherwise brought to your attention. Your continued use of the Site after any amendment becomes effective constitutes your acceptance of the amended Terms.
24.3 We encourage you to review these Terms periodically. If you do not agree to any amended Terms, your sole remedy is to discontinue using the Site.
25. Termination
25.1 We may suspend or terminate your access to the Site at any time, without notice, for any reason, including if we reasonably believe you have violated these Terms.
25.2 Upon termination, your right to use the Site immediately ceases. Sections of these Terms that by their nature should survive termination (including Sections 15, 17, 18, 19, 20, and 21) will survive.
26. Assignment
26.1 You may not assign or transfer these Terms, or any rights or obligations under them, without our prior written consent. We may assign or transfer these Terms, in whole or in part, without restriction, including in connection with a merger, acquisition, corporate reorganization, or sale of assets.
27. Force Majeure
27.1 LoanConnect will not be liable for any failure or delay in performance under these Terms resulting from causes beyond our reasonable control, including acts of God, natural disaster, war, terrorism, riots, embargoes, acts of civil or military authority, fire, flood, accidents, strikes, or shortages of transportation, facilities, fuel, energy, labor, or materials, or internet or telecommunications outages.
28. Severability; Waiver; Entire Agreement
28.1 Severability. If any provision of these Terms is held to be invalid, illegal, or unenforceable, that provision will be limited or eliminated to the minimum extent necessary, and the remaining provisions will remain in full force and effect.
28.2 Waiver. Our failure to enforce any right or provision of these Terms will not be considered a waiver of that right or provision. Any waiver of any provision of these Terms will be effective only if in writing and signed by an authorized representative of LoanConnect.
28.3 Entire Agreement. These Terms, together with our Privacy Policy and any other legal notices published by us on the Site, constitute the entire agreement between you and LoanConnect concerning the Site, and supersede all prior or contemporaneous communications, whether electronic, oral, or written, between you and LoanConnect regarding the Site.
28.4 No Third-Party Beneficiaries. Except as expressly stated, these Terms do not confer any rights or remedies upon any person other than you and LoanConnect.
28.5 Headings. Section headings in these Terms are for convenience only and have no legal or contractual effect.
29. Fraud Prevention and Identity Verification
29.1 Because the Service involves the collection of sensitive personal and financial information, LoanConnect and Participating Providers may use identity verification tools, device fingerprinting, IP address analysis, and other fraud-prevention technologies to help confirm that a Loan Request is genuine and was submitted by the person it purports to represent.
29.2 We may decline to process, or may flag for manual review, any Loan Request that our automated systems or personnel identify as potentially fraudulent, duplicative, or inconsistent with information previously submitted. We are under no obligation to notify you of the specific reason a Loan Request was flagged, delayed, or declined, though we will make reasonable efforts to inform you if we are unable to process your request.
29.3 If you believe your identity has been used to submit a Loan Request without your authorization, please contact us immediately using the information in Section 35, and consider placing a fraud alert or credit freeze with the major consumer reporting agencies (Equifax, Experian, and TransUnion).
30. Assumption of Risk Regarding Electronic Transmission of Sensitive Information
30.1 The Loan Request form asks you to submit highly sensitive information, including your Social Security number, date of birth, driver's license or state ID number, and bank account and routing numbers. You acknowledge that this information is being submitted electronically over the internet, and that no method of electronic transmission or storage is completely secure.
30.2 While we maintain administrative, technical, and physical safeguards designed to protect the confidentiality of the information you submit (as further described in our Privacy Policy), you acknowledge and accept the inherent risks of transmitting sensitive personal and financial information electronically, and you agree that LoanConnect's liability for any unauthorized access to, or disclosure of, your information is limited as set forth in Section 18, except to the extent such limitation is prohibited by applicable law.
30.3 You are solely responsible for ensuring that the device and network connection you use to submit your Loan Request are themselves reasonably secure (for example, avoiding public, unsecured Wi-Fi networks when submitting sensitive information).
31. Feedback and Suggestions
31.1 If you choose to provide us with comments, suggestions, ideas, or other feedback about the Site ("Feedback"), you agree that we may use and incorporate that Feedback into the Site or our business without any obligation to compensate you, and without any confidentiality obligation, unless we separately agree otherwise in writing.
32. Notices
32.1 We may provide any notice required or permitted under these Terms by posting the notice on the Site, or, where we have collected your email address as part of a Loan Request, by sending the notice to that email address. Notices sent by email are deemed given when sent; notices posted on the Site are deemed given when posted.
32.2 It is your responsibility to keep any email address you have provided to us current, if you wish to continue receiving notices from us regarding a pending Loan Request.
33. Language; Interpretation
33.1 These Terms are drafted in English. Any translation of these Terms into another language is provided for convenience only. In the event of any conflict or ambiguity between the English version and a translated version, the English version controls.
33.2 These Terms have been drafted jointly by the parties for purposes of applicable rules of construction, and no presumption or burden of proof will arise favoring or disfavoring LoanConnect by virtue of authorship of any provision of these Terms.
34. Accessibility
34.1 We are committed to providing a Site that is accessible to the widest possible audience, including individuals with disabilities. If you experience any difficulty accessing any part of the Site, please contact us using the information below, and we will work with you to provide the information or service you seek through an alternative method.
35. Contact Information
If you have any questions about these Terms, need to exercise any right described in this document, or wish to opt out of arbitration under Section 20.5, please contact us at:
Email: support@loanconnect.com
These Terms and Conditions are provided for general informational purposes as part of the operation of the LoanConnect website and do not constitute legal advice. LoanConnect recommends that this document be reviewed by qualified legal counsel licensed in the applicable jurisdiction(s) before publication, to confirm compliance with all federal and state laws applicable to your specific business operations, licensing status, and the states in which you operate.