Terms of Service
Last Updated: March 1, 2025
Welcome to LoanOptions USA ("Website"). By accessing or using our Website, you agree to be bound by these Terms of Service ("Terms"). Please read these Terms carefully before using the Website.
1. Acceptance of Terms
By accessing or using the Website, you agree to these Terms and our Privacy Policy. If you do not agree with any part of these Terms, you must not use our Website.
2. Educational Purpose
2.1 Informational Content Only
LoanOptions USA is an educational resource providing information about fast loans with monthly payments and related financial topics. All content on this Website is provided for general informational and educational purposes only.
2.2 Not a Financial Service Provider
LoanOptions USA is not a lender, loan broker, financial institution, or financial service provider. We do not:
- Offer, process, or approve loans or other financial products
- Connect users with lenders or financial institutions
- Receive compensation for loan referrals or applications
- Provide personalized financial advice
3. No Financial Advice
3.1 Not Professional Advice
The content on our Website does not constitute financial, legal, tax, or accounting advice. We do not recommend specific financial products or services.
3.2 Consult Professionals
Before making any financial decisions or taking action based on information found on this Website, we strongly recommend consulting with qualified financial, legal, or tax professionals who can provide advice tailored to your specific situation.
4. Content Accuracy
4.1 Best Efforts
While we strive to provide accurate, complete, and up-to-date information, we make no guarantees about the accuracy, completeness, or reliability of any content on the Website.
4.2 Changes in Information
Financial products, regulations, and market conditions change frequently. Information that was accurate when published may become outdated. We do not undertake to update content after publication.
4.3 Third-Party Information
Some content may be sourced from third parties. We do not independently verify all third-party information and are not responsible for any inaccuracies.
5. Intellectual Property
5.1 Ownership
All content on the Website, including text, graphics, logos, images, and software, is the property of LoanOptions USA or our content suppliers and is protected by United States and international copyright, trademark, and other intellectual property laws.
5.2 Limited License
We grant you a limited, non-exclusive, non-transferable, and revocable license to access and use the Website and its content for personal, non-commercial purposes. This license is conditioned on your compliance with these Terms.
5.3 Prohibited Uses
You may not:
- Modify, copy, distribute, transmit, display, perform, reproduce, publish, license, create derivative works from, transfer, or sell any information obtained from the Website
- Use the Website or its content for any commercial purpose
- Remove any copyright, trademark, or other proprietary notices
- Frame or mirror any part of the Website without our prior written authorization
- Use data mining, robots, or similar data gathering methods
- Reverse engineer any aspect of the Website or do anything that might discover source code
6. User Conduct
When using our Website, you agree not to:
- Violate any applicable laws or regulations
- Infringe upon the rights of others
- Interfere with or disrupt the Website or servers or networks connected to the Website
- Attempt to gain unauthorized access to any portion of the Website
- Use the Website for any purpose that is unlawful or prohibited by these Terms
- Submit false or misleading information
- Transmit any material that contains viruses, Trojan horses, worms, or other harmful code
7. Third-Party Links
7.1 External Links
Our Website may contain links to third-party websites that are not owned or controlled by LoanOptions USA. We have no control over, and assume no responsibility for, the content, privacy policies, or practices of any third-party websites.
7.2 No Endorsement
The inclusion of any link does not imply endorsement, approval, or recommendation by LoanOptions USA. You access any third-party website at your own risk.
8. Disclaimer of Warranties
8.1 "As Is" Basis
THE WEBSITE AND ALL CONTENT ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS, WITHOUT ANY WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED.
8.2 No Warranties
TO THE FULLEST EXTENT PERMITTED BY LAW, LOANOPTIONS USA DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, AND TITLE.
8.3 Security and Errors
LOANOPTIONS USA DOES NOT WARRANT THAT THE WEBSITE WILL BE UNINTERRUPTED, TIMELY, SECURE, OR ERROR-FREE, OR THAT ANY ERRORS ON THE WEBSITE WILL BE CORRECTED.
9. Limitation of Liability
9.1 No Liability
TO THE FULLEST EXTENT PERMITTED BY LAW, LOANOPTIONS USA SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR ANY LOSS OF PROFITS OR REVENUES, WHETHER INCURRED DIRECTLY OR INDIRECTLY, OR ANY LOSS OF DATA, USE, GOODWILL, OR OTHER INTANGIBLE LOSSES, RESULTING FROM:
- YOUR ACCESS TO OR USE OF OR INABILITY TO ACCESS OR USE THE WEBSITE
- ANY CONDUCT OR CONTENT OF ANY THIRD PARTY ON THE WEBSITE
- ANY CONTENT OBTAINED FROM THE WEBSITE
- UNAUTHORIZED ACCESS, USE, OR ALTERATION OF YOUR TRANSMISSIONS OR CONTENT
9.2 Maximum Liability
IN NO EVENT SHALL LOANOPTIONS USA'S TOTAL LIABILITY TO YOU FOR ALL CLAIMS EXCEED THE AMOUNT OF ONE HUNDRED DOLLARS ($100.00).
10. Indemnification
You agree to defend, indemnify, and hold harmless LoanOptions USA, its affiliates, and their respective officers, directors, employees, and agents, from and against any and all claims, damages, obligations, losses, liabilities, costs or debt, and expenses (including but not limited to attorney's fees) arising from:
- Your use of and access to the Website
- Your violation of any term of these Terms
- Your violation of any third-party right, including without limitation any copyright, property, or privacy right
- Any claim that your use of the Website caused damage to a third party
11. Modifications to Terms
11.1 Changes to Terms
We reserve the right to modify or replace these Terms at any time at our sole discretion. The most current version will be posted on the Website with the "Last Updated" date.
11.2 Material Changes
If we make material changes to these Terms, we will make reasonable efforts to provide notice, such as a prominent notice on our Website or by sending you an email.
11.3 Continued Use
Your continued use of the Website after any changes to the Terms constitutes your acceptance of the new Terms. If you do not agree with the revised Terms, please stop using the Website.
12. Governing Law and Jurisdiction
These Terms shall be governed by and construed in accordance with the laws of the State of Illinois, without regard to its conflict of law provisions. You agree to submit to the personal and exclusive jurisdiction of the courts located within Cook County, Illinois.
13. Severability
If any provision of these Terms is found to be invalid or unenforceable, that provision shall be enforced to the maximum extent possible, and the remaining provisions shall remain in full force and effect.
14. Waiver
The failure of LoanOptions USA to enforce any right or provision of these Terms will not be considered a waiver of those rights. No waiver of any provision shall be deemed a further or continuing waiver of such provision or any other provision.
15. Complete Agreement
These Terms, together with our Privacy Policy, constitute the entire agreement between you and LoanOptions USA regarding your use of the Website and supersede any prior agreements between you and LoanOptions USA relating to your use of the Website.
16. Contact Information
If you have any questions about these Terms, please contact us at:
Email: legal@loanoptionsusa.com
Postal Mail:
LoanOptions USA
Legal Department
1234 Financial Information Ave
Chicago, IL 60601
Related Information
By using the LoanOptions USA website, you acknowledge that you have read, understood, and agree to be bound by these Terms of Service.
Last Updated: March 1, 2025