Terms & Conditions of Use

1. Applicant Eligibility & Representation

By using this Website, you certify and warrant that:

• You are a legal resident of the United States.
• You are at least eighteen (18) years of age or the age of legal majority in your state of residence.
• All information you submit through our loan connection forms is true, accurate, complete, and current.
• You will not utilize this Platform for any fraudulent, deceptive, or unlawful purpose.

2. Scope of Services — Online Loan Infomediary

Take Your Loans is an automated online loan connection platform and marketing infomediary, NOT a direct lender, loan broker, finance agency, or creditor.

We do not originate loans, issue credit approvals, fund borrowing requests, or make credit decisions. Our service is completely 100% free for applicants; we do not charge consumers fees, origination charges, or broker compensation. We receive referral compensation from independent third-party lenders and financial networks that participate in our lending network. This referral compensation may influence the placement or order of loan products presented. Submitting a request does not guarantee that you will be connected with a lender, receive a loan offer, or be approved for financing.

3. Information Transmission & Sharing Consent

When you submit a loan inquiry through our multi-step wizard, you explicitly authorize and direct Take Your Loans to transmit your contact details, financial profile, employment history, and identifiers to our participating network of independent lenders, loan matching brokers, and partner networks. Each participating lender maintains its own terms, underwriting criteria, and privacy guidelines. Once your information has been transmitted to a lender, our connection service is fulfilled.

4. FCRA Credit Check & Consumer Report Authorization

Pursuant to the Fair Credit Reporting Act (FCRA), 15 U.S.C. § 1681 et seq., submitting your information constitutes your affirmative written instruction and consent for participating lenders, credit providers, and affiliates to obtain consumer reports, credit scores, and background records concerning you from major credit bureaus (Equifax, Experian, TransUnion) and alternative credit reporting agencies. These records are evaluated to verify your identity and assess your borrowing eligibility.

5. Electronic Communications & TCPA Consent

Under the Telephone Consumer Protection Act (TCPA) and applicable state telecommunications statutes, submitting a telephone number confirms your express written consent to receive telemarketing calls, artificial or prerecorded voice messages, automated text messages (SMS/MMS), and emails from Take Your Loans and participating lenders at the contact details provided. Consent is not a mandatory condition of purchasing any good or service. You may opt out of SMS communications at any time by texting "STOP" or unsubscribe from emails via the unsubscribe link in any message.

6. Lender Evaluation, Rates & Loan APR Disclosures

Participating lenders independently determine all loan terms, interest rates, fees, repayment schedules, and Annual Percentage Rates (APRs). Typical APRs for personal installment loans in our network range between 5.99% and 35.99%, with repayment terms spanning from 61 days to 72 months, depending on borrower creditworthiness, state usury limits, and lender underwriting guidelines.

Representative Example: If you borrow $3,000 for a 24-month term at an APR of 15.99%, your monthly installment would be approximately $146.85, resulting in a total repayment amount of $3,524.40 ($524.40 total financing cost). Always review the Truth in Lending Act (TILA) disclosures provided by your matched lender before signing any loan agreement.

7. Tribal Lending Disclosures

In certain circumstances, you may be matched with a tribal lending entity that operates on federally recognized sovereign tribal reservations. Sovereign tribal lenders are governed by tribal law and applicable federal statutes rather than state consumer lending laws. Consequently, interest rates and fees on tribal loan products may be higher than state-regulated thresholds, and disputes may fall under tribal jurisdiction.

8. Intellectual Property & Limited License

All content on this Website—including code, text, visual layouts, icons, graphics, software, and brand assets—is the proprietary property of Take Your Loans or its licensors and protected under US copyright and trademark laws. You are granted a limited, revocable, non-exclusive license to use this Platform solely for personal, non-commercial purposes. You may not copy, reverse-engineer, frame, or scrape any content from this site without our prior written consent.

9. Indemnification Obligations

You agree to defend, indemnify, and hold harmless Take Your Loans, its officers, directors, employees, owners, partners, and agents from any third-party claims, damages, liabilities, losses, costs, or legal expenses (including reasonable attorneys' fees) arising from: (i) your violation of these Terms, (ii) information you submit through our forms, or (iii) your infringement upon the rights of any third party.

10. Disclaimer of Warranties & Limitation of Liability

THIS PLATFORM AND ALL ASSOCIATED SERVICES ARE PROVIDED STRICTLY ON AN "AS IS" AND "AS AVAILABLE" BASIS WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED. WE DISCLAIM ALL WARRANTIES, INCLUDING MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.

UNDER NO CIRCUMSTANCES SHALL TAKE YOUR LOANS BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES RESULTING FROM YOUR USE OF OR INABILITY TO USE THIS SERVICE, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

11. Dispute Resolution, Binding Arbitration & Class Action Waiver

MANDATORY ARBITRATION: YOU AND WE AGREE THAT ANY CONTROVERSY OR CLAIM ARISING OUT OF OR RELATING TO THIS AGREEMENT, THIS PLATFORM, OR OUR SERVICES SHALL BE RESOLVED EXCLUSIVELY VIA BINDING ARBITRATION ADMINISTERED BY THE AMERICAN ARBITRATION ASSOCIATION (AAA) UNDER ITS COMMERCIAL ARBITRATION RULES, CONDUCTED BEFORE A SINGLE NEUTRAL ARBITRATOR.

CLASS ACTION WAIVER: ALL PROCEEDINGS SHALL BE CONDUCTED SOLELY ON AN INDIVIDUAL BASIS. YOU AND WE EXPLICITLY WAIVE ANY RIGHT TO COMMENCE, JOIN, OR PARTICIPATE IN ANY CLASS ACTION, CONSOLIDATED LAWSUIT, OR REPRESENTATIVE PROCEEDING AGAINST EACH OTHER.

12. Governing Law, Severability & Contact

These Terms shall be interpreted and governed in accordance with the laws of the State of Delaware, without regard to choice of law doctrines. If any provision of these Terms is deemed unlawful or unenforceable, that provision will be severed without affecting the validity and enforceability of the remaining provisions.