Welcome to APPNAME. These Terms and Conditions ("Terms") form a binding agreement between you ("User," "you," or "your") and APPCOMPANY ("APPNAME," "Company," "we," "us," or "our").

By accessing or using the APPNAME website or related services (collectively, the "Platform"), you agree to these Terms. If you do not agree, you must immediately discontinue use of the Platform.

1. Our Services

APPNAME provides an online platform that allows users to connect with independent third-party lenders ("Lenders"). We do not offer loans directly, make credit decisions, or act as a lender. Instead, APPNAME helps you compare loan offers and manage your borrowing process through convenient tools like a loan calculator and offer-saving features.

We do not guarantee approval, loan amounts, or specific loan terms such as rates or repayment periods. Any loan agreement you enter into is strictly between you and the Lender.

1.1 Loan Terms

Loans available through APPNAME's partner lenders may feature Annual Percentage Rates (APRs) typically ranging from 6.99% to 35.99%, with repayment terms between 3 and 24 months. Actual rates and terms depend on your credit profile, income, and other factors evaluated by the lender.

1.2 Representative Example

1.3 Repayment Terms

Repayment periods vary by lender and may range from 90 days up to 24 months. Your lender will provide full repayment details, including the total loan cost, before you commit.

2. Eligibility

To use the Platform, you must:

• Be at least 18 years of age.
• Be a legal resident of the United States.
• Have a verifiable income source and active bank account.

By using APPNAME, you confirm that you meet these eligibility requirements and have the legal capacity to enter into binding agreements.

3. Account Registration and Security

Some Platform features may require you to create an account. You agree to:

• Provide accurate, current, and complete information.
• Maintain the confidentiality of your login credentials.
• Be responsible for all activity occurring under your account.

We reserve the right to suspend or terminate any account suspected of fraudulent, abusive, or unlawful activity.

4. Loan Offers and Third-Party Lenders

APPNAME is not a party to any agreement between you and any Lender. We do not endorse, recommend, or guarantee any lender, product, or offer. You are solely responsible for reviewing all terms and conditions of any loan before accepting.

5. No Guarantee of Approval

Submitting a loan request through APPNAME does not guarantee that you will receive an offer or be approved for a loan. Approval decisions are made solely by participating lenders according to their own criteria.

6. Fees and Charges

APPNAME does not charge any fees for using the Platform or submitting a loan request. However, lenders may charge fees such as origination, late payment, or non-sufficient funds (NSF) fees. You are responsible for reviewing and agreeing to any applicable fees before accepting an offer.

7. User Conduct

You agree not to:

• Violate any applicable law or regulation.
• Provide false, misleading, or incomplete information.
• Interfere with or disrupt the Platform's operation.
• Attempt to gain unauthorized access to our systems or data.

8. Privacy and Data Collection

Your use of APPNAME is subject to our Privacy Policy, which explains how we collect, use, and safeguard your personal information. By using the Platform, you consent to the practices described in the Privacy Policy.

9. Disclaimer of Warranties

The Platform is provided on an "as is" and "as available" basis without warranties of any kind, express or implied. We do not warrant that the Platform will operate without interruption or error, or that all loan offers displayed will be accurate, complete, or available at all times.

10. Limitation of Liability

To the fullest extent permitted by law, APPCOMPANY and its affiliates shall not be liable for any indirect, incidental, consequential, or punitive damages arising out of your use of the Platform or interactions with third-party lenders.

11. Indemnification

You agree to indemnify and hold harmless APPCOMPANY, its officers, employees, and agents from any claims, damages, or liabilities arising from your violation of these Terms or misuse of the Platform.

12. Changes to These Terms

We may update these Terms at any time. Updates will take effect upon posting on the Platform. Your continued use after the effective date constitutes acceptance of the revised Terms.

13. Contact Information

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