Terms of Use

1. Acceptance of Terms & Legal Agreement

Welcome to Lending Creative (lendingcreativeloans.com). These Terms of Use constitute a legally binding agreement between you ("User," "you," or "your") and Lending Creative ("we," "our," or "us").

By accessing, browsing, or using our website, interactive tools, calculators, or submitting loan inquiry details, you acknowledge that you have read, understood, and agree to be bound by these Terms of Use and our Privacy Policy. If you do not agree to all provisions of these terms, you must immediately discontinue use of this website.

2. Independent Loan Matching Service (Non-Lender Disclaimer)

Lending Creative is NOT a direct lender, financial institution, bank, loan broker, or credit card issuer.

• We do not originate, fund, underwrite, or service loans, nor do we make credit decisions or loan approval commitments.
• Our service connects prospective borrowers with participating independent lenders and financial service partners who may be willing to offer loans.
• All credit decisions, loan terms, Annual Percentage Rates (APRs), fees, repayment schedules, and loan amounts are established solely by the participating lenders.
• We do not endorse, sponsor, or recommend any specific lending partner or financial product.

3. Eligibility & User Qualifications

To use the services and submit information through Lending Creative, you represent and warrant that:

• You are a legal resident of the United States of America.
• You are at least 18 years of age (or the legal age of majority in your jurisdiction).
• You possess a valid Social Security Number and a valid checking or savings account.
• All information you provide through our forms, calculators, and communications is truthful, accurate, current, and complete.
• You will not submit false, deceptive, or misleading information on behalf of yourself or any third party.

4. No Guarantee of Loan Offers, Rates, or Amounts

Submitting an inquiry through Lending Creative does not guarantee that:

• You will be matched with a participating lender or receive any loan offers.
• Any loan offer will match your requested amount, desired APR, or preferred term.
• Your loan application will be approved by any lender in our network.

Loan availability is subject to lender underwriting criteria, state licensing laws, and your individual credit profile. Not all lenders in the network offer loan amounts up to $50,000, and rates vary from 5.99% to 35.99% APR depending on creditworthiness.

5. Credit Inquiries & Credit Reporting

When you submit an initial inquiry through our website, participating lenders may perform a "soft credit pull" to determine initial eligibility without impacting your credit score. However, if you choose to proceed with a formal loan application with a specific lender, that lender will typically conduct a "hard credit inquiry" through one or more major consumer reporting agencies (Equifax, Experian, TransUnion), which may impact your credit score.

6. TCPA & Electronic Communications Consent

By submitting your contact information (including phone number and email address) on Lending Creative, you provide express written consent under the Telephone Consumer Protection Act (TCPA) and Electronic Signatures in Global and National Commerce Act (E-SIGN) authorizing Lending Creative and our participating network partners to contact you via:

• Automated telephone dialing systems, artificial or pre-recorded voice messages, and SMS/text messages.
• Electronic mail notifications regarding loan options, status updates, and related financial opportunities.

Consent is not a condition of purchasing any good or service. Message and data rates may apply. You may revoke consent at any time by following opt-out instructions or emailing [email protected].

7. Permitted Use & Prohibited Conduct

You agree to use this website solely for personal, non-commercial purposes in accordance with applicable laws. You agree NOT to:

• Use automated scripts, bots, spiders, or scrapers to access, harvest, or extract data from this website.
• Introduce viruses, malware, trojans, or any malicious code designed to disrupt system infrastructure.
• Attempt unauthorized access to our servers, databases, or restricted administrative areas.
• Misrepresent your identity, impersonate another individual, or submit fraudulent financial documentation.
• Use the website or its content for any unlawful, predatory, or unauthorized purpose.

8. Intellectual Property Rights

All content on this website—including text, graphics, logos, icons, interface designs, calculator algorithms, software code, and visual layouts—is the exclusive property of Lending Creative or its content suppliers and is protected by United States and international copyright, trademark, and intellectual property laws. You may not reproduce, modify, distribute, or publicly display any part of this website without our prior written consent.

9. Third-Party Links & External Services

Our website contains hyperlinks to external websites operated by participating lenders and third-party partners. We have no control over the content, privacy practices, terms, or policies of third-party websites. Accessing external links is done solely at your own risk, and you should review the terms and privacy notices of any third-party website you visit.

10. Disclaimer of Warranties

THE SERVICES, TOOLS, CALCULATORS, AND INFORMATION ON THIS WEBSITE ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED. TO THE FULLEST EXTENT PERMISSIBLE UNDER APPLICABLE LAW, LENDING CREATIVE DISCLAIMS ALL WARRANTIES, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT.

11. Limitation of Liability

IN NO EVENT SHALL LENDING CREATIVE, ITS OFFICERS, DIRECTORS, EMPLOYEES, AFFILIATES, OR AGENTS BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES (INCLUDING LOSS OF PROFITS, DATA, USE, OR GOODWILL) ARISING OUT OF OR IN CONNECTION WITH YOUR USE OF OR INABILITY TO USE THIS WEBSITE, LOAN OFFERS RECEIVED FROM THIRD PARTIES, OR ANY ACTS OR OMISSIONS OF PARTICIPATING LENDERS.

12. Indemnification

You agree to defend, indemnify, and hold harmless Lending Creative and its affiliates from and against any claims, liabilities, damages, losses, costs, and expenses (including reasonable attorneys' fees) arising out of or in any way connected with your violation of these Terms of Use, misuse of the website, or provision of inaccurate information.

13. Dispute Resolution & Binding Arbitration

Any dispute, controversy, or claim arising out of or relating to these Terms of Use or the use of our services shall be resolved through binding individual arbitration administered by the American Arbitration Association (AAA), rather than in court. You agree to waive any right to participate in a class action lawsuit or class-wide arbitration.

14. Governing Law & Jurisdiction

These Terms of Use and your use of the website shall be governed by and construed in accordance with the laws of the State of California, without giving effect to any principles of conflicts of law.

15. Modifications to Terms

We reserve the right to revise, update, or modify these Terms of Use at any time without prior notice. Any modifications will be effective immediately upon posting to this website. Your continued use of the website following the posting of revised terms signifies your acceptance of the updated terms.

16. Contact & Legal Inquiries

If you have any questions or legal inquiries regarding these Terms of Use, please reach out to us:

• Email: [email protected]
• Website: https://lendingcreativeloans.com