Terms of Service

Agreement to Terms

By accessing or using the UnitedLoanHub website and services (the "Service"), you agree to be bound by these Terms of Service ("Terms"). If you do not agree to all the terms and conditions, you may not access or use the Service.

These Terms apply to all visitors, users, and others who access or use the Service. Please read them carefully before using our website.

Description of Service

UnitedLoanHub provides a free online service that connects consumers seeking personal loans with a network of third-party lenders and financial service providers.

Eligibility

To use our Service, you must:

• Be at least 18 years of age
• Be a legal resident of the United States
• Have a valid email address
• Have a valid bank account in your name
• Meet any additional criteria required by individual lenders

By using the Service, you represent and warrant that you meet all eligibility requirements.

User Responsibilities

When using our Service, you agree to:

• Provide accurate, current, and complete information in all forms and submissions.
• Not provide false, misleading, or fraudulent information.
• Not use the Service for any unlawful purpose.
• Not attempt to interfere with the proper functioning of the Service.
• Not use automated systems or software to extract data from the Service.
• Not impersonate any person or entity.
• Comply with all applicable laws and regulations.

The Loan Request Process

Submitting a Request

When you submit a loan request through our Service:

• Your information will be shared with lenders in our network who may offer loan products matching your request.
• Multiple lenders may contact you with offers.
• You are under no obligation to accept any offer.

Lender Contact

By submitting a request, you consent to being contacted by lenders and their representatives via:

• Email
• Phone calls (including autodialed and prerecorded calls)
• SMS/Text messages
• Mail

You can opt out of marketing communications at any time by following the unsubscribe instructions provided.

Credit Checks

Individual lenders may perform credit checks as part of their evaluation process. Some lenders use soft inquiries (which do not affect your credit score), while others may perform hard inquiries (which may impact your credit score). Each lender will disclose their practices before you proceed.

APR and Loan Terms Disclosure

Loan terms vary by lender and are based on individual qualifications. The following information is provided for general reference only:

Note: Actual terms will be provided by the lender before you accept any loan. Always review all terms, fees, and conditions carefully.

No Guarantee of Offers

We do not guarantee that:

• You will receive any loan offers.
• You will be approved for a loan.
• Lenders will offer specific rates or terms.
• The Service will meet your specific requirements.

Loan approval depends on each lender's criteria and your individual qualifications.

Third-Party Lenders

Our Service connects you with third-party lenders. We are not responsible for:

• The actions, products, or services of third-party lenders.
• The terms and conditions of any loan offered by a lender.
• The lender's website, privacy practices, or security.
• Any disputes between you and a lender.

Your relationship with any lender is governed by that lender's own terms and conditions. We encourage you to carefully review all lender documentation.

Intellectual Property

The Service and its original content, features, and functionality are owned by UnitedLoanHub and are protected by copyright, trademark, and other intellectual property laws. You may not:

• Copy, modify, or distribute our content without permission.
• Use our trademarks or branding without authorization.
• Reverse engineer or attempt to extract source code.
• Remove any copyright or proprietary notices.

Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW:

• THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND.
• WE DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE.
• WE SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES.
• OUR TOTAL LIABILITY SHALL NOT EXCEED THE AMOUNT YOU PAID TO USE THE SERVICE (WHICH IS $0 FOR FREE SERVICES).

Indemnification

You agree to defend, indemnify, and hold harmless UnitedLoanHub and its officers, directors, employees, and agents from any claims, damages, losses, or expenses arising from:

• Your use of the Service.
• Your violation of these Terms.
• Your violation of any third-party rights.
• Any content you submit through the Service.

Dispute Resolution

Arbitration Agreement

Any dispute arising from or relating to these Terms or the Service shall be resolved through binding arbitration in accordance with the rules of the American Arbitration Association. The arbitration shall take place in Los Angeles, CA.

Class Action Waiver

You agree that any dispute resolution proceedings will be conducted only on an individual basis and not in a class, consolidated, or representative action.

Opt-Out

You may opt out of this arbitration agreement by sending written notice to our address within 30 days of first using the Service.

Governing Law

These Terms shall be governed by and construed in accordance with the laws of the State of California, without regard to its conflict of law provisions.

Changes to Terms

We reserve the right to modify or replace these Terms at any time. We will provide notice of material changes by posting the updated Terms on this page with a new "Last Updated" date. Your continued use of the Service after any changes constitutes acceptance of the new Terms.

Termination

We may terminate or suspend your access to the Service immediately, without prior notice, for any reason, including breach of these Terms. Upon termination, your right to use the Service will cease immediately.

Severability

If any provision of these Terms is found to be unenforceable or invalid, that provision shall be limited or eliminated to the minimum extent necessary, and the remaining provisions shall remain in full force and effect.

Entire Agreement

These Terms, together with our Privacy Policy, constitute the entire agreement between you and UnitedLoanHub regarding the Service and supersede all prior agreements and understandings.

Contact Information

If you have questions about these Terms of Service, please contact us: