Terms and Conditions

Acceptance of Terms

These Terms of Use ("Terms") govern your access to and use of the websites, forms, and services operated by Loansfax ("Loansfax," "we," "us," or "our"). By accessing or using any Loansfax site or service, you acknowledge that you have read, understood, and agree to be bound by these Terms and our Privacy Policy. If you do not agree, you must discontinue use of our site and services. You affirm that you are at least 18 years old, as our services are not intended for minors.

Scope of Services

Loansfax operates a marketing and lead distribution platform – we are not a lender or a financial institution. Our service is to connect consumers and business owners with third-party lenders, brokers, debt relief providers, credit repair companies, mortgage or refinance providers, and insurance companies (collectively, our "partners") in various industries. We do not offer loans, credit decisions, or any financial products directly. Rather, we collect your information and attempt to match you with relevant service providers in the following verticals:

• Business Loans
• Personal Loans
• Debt Relief (consumer & business)
• Credit Repair
• Mortgage & Refinance
• Insurance (e.g., health, life, auto)

Using Loansfax's platform is free of charge to you – we are typically compensated by the third-party partners to whom we refer potential customers. Any quotes, offers, or service descriptions on our site are provided by those partners and not by Loansfax. Loansfax does not guarantee that you will be approved for a loan or service, or that any particular rates or terms will be available. All rates, fees, and terms of products advertised or quoted via Loansfax's services are estimates and examples only, not guaranteed offers; your actual terms, if you proceed with a partner, will depend on the partner's review of your qualifications. We strongly encourage you to shop around and compare options, and to read all information provided by each partner carefully before making any financial decisions.

No Endorsement; Third-Party Services

Loansfax is not an agent or advisor to you or to any partner. The inclusion of any third-party products, providers, or offers on our site does not constitute an endorsement or recommendation by Loansfax. We do not guarantee the financial products or services offered by our partners, and we are not responsible for the content, completeness, or accuracy of information provided by partners. Any relationship you enter into with a third-party provider (such as submitting a formal application, agreeing to terms, or obtaining a loan or service) is solely between you and that provider. Loansfax is not responsible or liable for any acts, omissions, or services of any third party.

User Consent to Communication

By submitting your contact information through any Loansfax form or tool, you expressly consent to receive follow-up communications from both Loansfax and from the third-party lenders, brokers, insurers, or financial service partners with whom we may share your inquiry. This includes permitting these parties to contact you by telephone (including calls or text messages made with an automatic telephone dialing system or prerecorded/artificial voice messages), email, SMS/text message, or other means even if your number is on a state or federal Do Not Call list. Consent is not a condition of purchase – you are not required to agree to be contacted in order to use Loansfax's services, but providing a phone number or email indicates that you are willing to be contacted for the purpose of facilitating your request. All such communications will be made in compliance with applicable laws and regulations, including the Telephone Consumer Protection Act (TCPA), the CAN-SPAM Act, and relevant state privacy laws.

Each party that may contact you (Loansfax or a partner) is independently responsible for complying with the law in their communications with you. Loansfax requires that its partners only contact you for the specific inquiry or service request you submitted, and that they honor your communication preferences and opt-out requests (see "Opt-Out Rights" below). However, Loansfax does not control the day-to-day communication activities of our independent partners, and Loansfax will not be liable for any illegal marketing acts or communication practices by those third parties.

Opt-Out Rights and Do Not Contact

Opting Out of Loansfax Communications:

You may opt out of receiving marketing emails from Loansfax at any time by clicking the unsubscribe link in any email, or opt out of receiving marketing text messages by following the opt-out instructions provided (such as replying "STOP" to a text). You may also contact us directly at info@loansfax.com to be placed on our internal Do Not Contact list for email, phone, and/or text communications. Once we process your opt-out request, Loansfax will refrain from sending you further promotional communications.

Opting Out of Partner Communications:

If you wish to stop receiving communications from a Loansfax partner (for example, a lender who received your information), you should notify that partner directly using their opt-out or unsubscribe methods. You may also inform Loansfax, and we will take steps to notify the partner of your request. Loansfax maintains a global suppression list of leads who have opted out or withdrawn consent, and we share opt-out notifications with our partners as necessary to ensure compliance. Our partners are contractually required to honor such opt-out requests within a reasonable time (typically within 72 hours). Please note that once your information has been passed to a third-party partner, Loansfax cannot absolutely guarantee that partner will cease contact (as that partner may be an independent data controller); however, failure by a partner to honor opt-out requests would violate their agreement with us and potentially violate the law.

Permissible Use of the Site

You agree to use Loansfax's website and services only for their intended lawful purpose – namely, to seek information about and referrals to third-party financial service providers for yourself or your business. You agree that all information you provide to Loansfax or our partners will be truthful and accurate to the best of your knowledge. Prohibited activities include (without limitation):

• Submitting information on behalf of another person without authorization, or submitting false, misleading, or fraudulent information.
• Using the site in any manner that could disrupt, damage, or impair the site's functionality or security (e.g., introducing viruses or malicious code).
• Attempting to interfere with the proper working of the site or any services, including by imposing an unreasonable load on our infrastructure or by circumventing any technological measures.
• Accessing, scraping, or mining our website or databases to harvest data, including personal information of others, for any purpose not expressly permitted by Loansfax.
• Using the site or our services for any unlawful purpose or in violation of any regulations (such as spam, telemarketing, or privacy laws).

Loansfax reserves the right to terminate or restrict your access to the site at any time if we believe you have engaged in improper or unlawful conduct.

Intellectual Property

All content and materials available on Loansfax's website – including text, logos, trademarks, graphics, images, software, and the arrangement of such content – are the property of Loansfax or our content suppliers and are protected by intellectual property laws. Loansfax grants you a limited, revocable, non-exclusive, non-transferable license to access and use the site for your personal, non-commercial use. You may not reproduce, distribute, create derivative works from, publicly display, or commercially exploit any site content without our prior written consent. You must not remove or obscure any copyright, trademark, or other proprietary notices on the site. All trademarks, service marks, and logos displayed on the site are the registered or unregistered marks of Loansfax or third parties; nothing in these Terms or on the site should be construed as granting any license or right to use any trademark without the owner's express permission.

Privacy and Security

Your submission of information through the site is governed by our Privacy Policy (which is incorporated into these Terms by reference). We implement administrative, technical, and physical security measures designed to protect your personal information from unauthorized access or disclosure. For example, all form submission data is stored and delivered via secure systems with access controls, and administrative access is restricted to authorized personnel with password protection. However, no method of transmission over the Internet or electronic storage is 100% secure, and therefore Loansfax cannot guarantee absolute security of your information. You acknowledge that you provide information at your own risk. In the event of a data breach affecting your personal information, we will notify you as required by law.

By using our site, you consent to the collection and use of information as described in our Privacy Policy. We comply with applicable privacy laws such as the California Consumer Privacy Act (CCPA) (as amended by the CPRA) and other state privacy laws regarding your data rights. For more details on how we collect, use, share, or sell personal information and how you can exercise your rights, please review our Privacy Policy.

Third-Party Links

Our website may contain links to third-party websites or resources for your convenience (for example, links to partner websites, articles, or advertisements). Loansfax is not responsible for the content, products, services, or practices of any third-party websites. If you choose to visit or use any third-party links, you do so at your own risk and subject to the terms and policies of those third parties. Inclusion of any link on our site does not imply that Loansfax endorses or verifies the content or offerings of that third party. We recommend you review the privacy policies and terms of any third-party sites you visit.

Disclaimer of Warranties

No Guarantee of Error-Free Operation:

Loansfax does not warrant that the site will be uninterrupted, secure, or error-free, that defects will be corrected, or that the site or server is free of viruses or harmful components. Any downloadable materials or content are accessed at your own discretion and risk, and you are responsible for any damage to your computer system or loss of data that results.

Informational Purposes Only:

Any financial information, articles, or tools on the site are provided for informational convenience only and should not be construed as professional advice. We do not warrant or guarantee the accuracy, timeliness, or completeness of any information on the site. You should verify information obtained from the site before acting on it, and you should consult with qualified professionals for advice tailored to your situation.

Limitation of Liability

To the fullest extent permitted by law, Loansfax and its parents, affiliates, officers, employees, and agents will not be liable for any indirect, incidental, special, consequential, or punitive damages whatsoever arising out of or relating to your use of (or inability to use) the site or services, even if we have been advised of the possibility of such damages. This exclusion of damages includes, without limitation, any lost profits, lost data, loss of goodwill, business interruption, or other intangible losses arising from the use of (or reliance on) any content or service provided by Loansfax.

In addition, Loansfax's total cumulative liability to you for all claims arising out of or relating to these Terms or the use of the site will not exceed $100 USD (one hundred U.S. dollars) or the amount of fees actually paid by you to Loansfax for use of the services in the past 12 months, whichever is greater. Because some jurisdictions do not allow the exclusion or limitation of certain damages, portions of the above limitation may not apply to you. In any case, Loansfax's liability will be limited to the greatest extent permitted by applicable law.

Indemnification

You agree to indemnify, defend, and hold harmless Loansfax and its affiliates, and their respective officers, directors, employees, and agents, from and against any and all claims, liabilities, losses, expenses, damages, and costs (including reasonable attorneys' fees) that arise out of or are related to: (a) your use of the site or services in violation of these Terms; (b) your violation of any law or regulation, or the rights of any third party, in connection with your use of the site; or (c) any content or information that you provide to Loansfax (including the accuracy and completeness of such information). Loansfax reserves the right to assume the exclusive defense and control of any matter otherwise subject to indemnification by you (at your expense), and you agree to cooperate with Loansfax's defense of such claim. This indemnity obligation will survive termination of these Terms and your use of the site.

Changes to These Terms

Loansfax may modify or update these Terms of Use from time to time to reflect changes in our practices or for other legal or regulatory reasons. We will post any updated Terms on our website with a new Effective Date. It is your responsibility to review these Terms periodically for any changes. If you continue to use the site or services after an update to the Terms, you thereby accept and agree to the revised Terms. For any material changes, we may also provide additional notice (such as a banner on our site or an email notification). If you do not agree to a change in the Terms, you should stop using our site and services.

Governing Law

These Terms and your use of the site are governed by the laws of the United States and applicable state laws, without regard to conflict of law principles. To the extent any legal action is permitted consistent with or outside of the arbitration provision set forth below, you agree that such action shall be filed in the appropriate state or federal courts, and you consent to the personal jurisdiction of those courts. If you are a resident of a U.S. state that requires the application of that state's consumer protection or privacy laws, then those laws may apply to you in any disputes related to these Terms.

Dispute Resolution & Arbitration

Binding Arbitration:

You and Loansfax agree that any dispute, claim, or controversy arising out of or relating to these Terms or your use of our website or services (including any question regarding the existence, validity, or termination of these Terms) shall be resolved through binding arbitration rather than in court, except that either party may assert claims in small claims court if they qualify. The arbitration will be administered by JAMS (or a similar reputable arbitration organization) pursuant to its Comprehensive Arbitration Rules and Procedures. The arbitration will take place in a mutually agreed location, before a single neutral arbitrator.

Choice of Law:

The arbitrator shall apply applicable U.S. and state law to the merits of any dispute, consistent with the Governing Law clause above.

Arbitration Fees:

Each party shall be responsible for their own attorneys' fees, and any filing or administrative fees will be governed by JAMS rules (subject to any ability for you to seek a fee waiver under applicable law).

Waiver of Jury Trial:

To the extent any dispute is determined by a court rather than an arbitrator (for example, if this arbitration agreement is found unenforceable), you knowingly and voluntarily waive any right to a trial by jury in any such legal proceeding.

Exceptions:

This arbitration agreement does not preclude you from bringing issues to the attention of federal, state, or local agencies; such agencies can, if the law allows, seek relief against us on your behalf. Also, either party may seek emergency injunctive relief in a court of law in order to maintain the status quo pending the arbitrator's decision, and this provision shall not require arbitration of disputes that by law cannot be subject to a pre-dispute arbitration agreement.

Opt-Out:

You have the right to opt out of this arbitration agreement by sending written notice of your decision to opt out to our contact address below within 30 days of first accepting these Terms. If you opt out, you will not be bound by the arbitration provision, but all other parts of these Terms will continue to apply. Opting out of arbitration has no effect on any previous or future arbitration agreements you may have with us.

Severability

If any provision of these Terms is held to be invalid or unenforceable by an arbitrator or court of competent jurisdiction, that provision shall be enforced to the maximum extent permissible and the remaining provisions of these Terms will remain in full force and effect. Our failure to enforce any right or provision of these Terms shall not constitute a waiver of that right or provision.

Entire Agreement

These Terms, together with our Privacy Policy and any additional terms or agreements that apply to specific services you use (all of which are incorporated herein by reference), constitute the entire agreement between you and Loansfax regarding your use of the site and services. They supersede any prior or contemporaneous agreements, communications, and proposals (whether oral or written) between you and us regarding the same subject matter. No amendment to these Terms will be valid unless made in writing and signed by Loansfax.

Contact Information