Terms of Use

INTRODUCTION

Welcome to 5kfundsloan.com ("we," "us," "our," or "Site"). By using this Site and Service, you agree to be bound by these Terms of Service ("Terms"). If you disagree with any part of these Terms, please don't use our Site or Service. These Terms are a binding agreement between you and us. They explain your rights and responsibilities when you use our Site and Service, along with key disclaimers and limitations of liability.

MODIFICATION OF TERMS

We can change these Terms, including any related Disclosures and policies, at any time. We will notify you of any changes by posting the revised document on the Site, or by other reasonable means. If you continue to use the Site or our Service after we make changes, you accept the updated Terms.

PLEASE READ THIS SECTION CAREFULLY

THESE TERMS CONTAIN A BINDING ARBITRATION AGREEMENT AND A CLASS ACTION WAIVER. THESE PROVISIONS REQUIRE YOU TO ARBITRATE ANY DISPUTES OR CLAIMS YOU HAVE WITH US ON AN INDIVIDUAL BASIS. YOU WILL NOT BE ABLE TO PARTICIPATE IN A CLASS ACTION OR MULTI-ARBITRATION. YOU HAVE THE RIGHT TO OPT OUT OF THIS REQUIREMENT.

ELIGIBILITY

Our Service is only for U.S. residents of legal age. By accessing this Site and using our Service, you confirm that:

  • You are at least 18 years old, reside in the U.S. and possess the legal capacity to enter into this Agreement.
  • You are acting on your own behalf.
  • You agree to use our Service solely for personal, non-commercial purposes.

OUR SERVICE DESCRIPTION

Our platform facilitates connections between users seeking loans ("Users") and potential lenders, lender networks ("Lending Partners") or third-party financial service providers ("Service Providers"). Our platform offers an online application process where Users can submit their personal and financial information to be considered for loan offers ("Service").

Compensation and Transparency. Our Service is free of charge to you. However, we receive financial compensation from Lending Partners, Service Providers, and other marketers in exchange for connecting you with them, sharing your information with them, and/or marketing their products and services to you. This compensation allows us to offer our Services at no cost to you and supports our business operations.

To use our Service, you must complete a questionnaire about certain personal and financial details on our Site ("Request Form"). You agree to provide only true, accurate, and complete information and that you will not misrepresent your identity, impersonate any third party, or enter information on behalf of any third party.

SERVICE DISCLAIMER

Not a Lender:

  • We are not a lender, creditor, financial institution, nor are we a representative, broker, or agent of any such entity.
  • We do not make credit prequalifications, decisions, or provide loans.
  • We neither offer nor solicit to lend.
  • Our Site operates as an independent platform, with the primary purpose of connecting you to lenders who may offer loans.

Important Note:

  • Lenders participating in our program offer loans ranging from $200 to $5,000, but not all lenders offer the maximum amount.
  • We cannot guarantee that any lender will offer you a loan or approve your request.
  • We do not make any representations or guarantees about the terms of loans offered by lenders.
  • We do not validate or investigate the licensing, certification or other requirements and qualifications of any lenders.

Service availability: Our service is not available in all states. Not all lenders within our network operate in all US states.

YOUR CREDIT REPORT CHECK

To assess your eligibility for a loan, lenders may review your credit report from one or more credit reporting agencies (such as TransUnion, Experian, or Equifax). Additionally, to offer relevant financial services, we or our Service Providers may need to access certain details from your credit report.

ELECTRONIC CONSENT ("E-CONSENT")

We and our Lending Partners require your consent to conduct transactions electronically, including using electronic signatures and receiving electronic communications, to facilitate your online loan request and enable the provision of an online loan.

CONSENT FOR COMMUNICATIONS

By providing your information and requesting our services, you establish a business relationship with us. This allows us to contact you about our Service for up to 180 days from your last information input or service request, without needing additional consent.

Opt-Out: You have the right to withdraw your consent to receive marketing communications at any time, without impacting your ability to connect with a lender or obtain a loan.

PROHIBITED USES

You acknowledge and agree to avoid the following activities:

  • Providing false or misleading information, including impersonating another individual.
  • Submitting loan applications on behalf of another individual.
  • Attempting to circumvent security measures.
  • Copying or stealing proprietary materials.
  • Utilizing computer programs to collect information from our site.
  • Interfering with site functionality or disrupting other users.
  • Utilizing our Site or Services for unsolicited email communications.
  • Attempting to modify, reverse-engineer, decompile, or disassemble any source code.

THIRD-PARTY WEBSITES

Our platform may contain links to external websites, including those of Lending Partners and Service Providers. Your use of any external websites linked from our platform is entirely at your own risk. We do not endorse, control, monitor, or assume any responsibility for the content, practices, or services offered by these third-party websites.

INTELLECTUAL PROPERTY

All content on this Site, including text, images, graphics, logos, and software, is solely owned by us and/or our licensors. Your use of the Site does not grant you ownership rights or licenses to any content, trademarks, or other intellectual property displayed on the Site.

DISCLAIMER OF WARRANTIES

YOU EXPRESSLY AGREE THAT YOUR USE OF THE SITE AND ANY SERVICES ON THE SITE IS AT YOUR OWN RISK. WE PROVIDE THE SITE AND THE SITE SERVICES ON AN "AS IS" BASIS. WE EXPRESSLY DISCLAIM ALL WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, INCLUDING THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT.

LIMITATION OF LIABILITY

IN NO EVENT SHALL WE BE LIABLE FOR SPECIAL, INCIDENTAL, OR CONSEQUENTIAL DAMAGES, LOST PROFITS, LOST DATA OR CONFIDENTIAL INFORMATION, LOSS OF PRIVACY, COSTS OF PROCUREMENT OF SUBSTITUTE GOODS OR SERVICES, FAILURE TO MEET ANY DUTY OF GOOD FAITH OR REASONABLE CARE, NEGLIGENCE, OR OTHERWISE, REGARDLESS OF THE FORESEEABILITY OF THOSE DAMAGES.

OUR MAXIMUM LIABILITY TO YOU UNDER ALL CIRCUMSTANCES SHALL NOT EXCEED $100.00.

INDEMNIFICATION

You agree to defend, indemnify, and hold us harmless from and against any and all claims, actions, demands, causes of action, liabilities, damages, costs, or expenses arising out of or relating to your breach of this Agreement, your use of the Site or Services in violation of this Agreement, disputes resulting from your interactions with any lender, or your violation of any federal, state, or local laws.

ARBITRATION AGREEMENT

You and we each agree to resolve any and all disputes or claims through negotiations and in good faith. If we don't resolve the Dispute within 60 days, you and we each agree to resolve it exclusively through final and binding arbitration under the Commercial Arbitration Rules of the American Arbitration Association (AAA).

You may opt out of this Agreement to Arbitrate by notifying us in writing within 30 days. Notice must be provided by email to [email protected] with the subject line "Arbitration Opt-Out."

CONTACT US

Any questions, requests, notices must be sent via email at [email protected].