Terms of Service

By accessing and using the Loans of Course website and services, you acknowledge that you have read, understood, and agree to be bound by these Terms of Service. If you do not agree to these terms, please do not use our services.

These Terms of Service constitute a legally binding agreement between you and Loans of Course ("we," "us," or "our"). By using our website, you represent that you are at least 18 years of age and have the legal capacity to enter into this agreement.

Loans of Course operates as a loan matching service that connects borrowers with lenders in our network. Our services include:

We are not a lender and do not make loans directly. All loans are originated by third-party lenders in our network.

To be eligible for our services and to apply for a loan through our platform, you must:

• Be at least 18 years of age (21 in some states)
• Be a citizen or permanent resident of the United States
• Have a valid Social Security Number
• Have a regular source of income
• Have an active checking account
• Meet minimum credit score requirements (varies by lender)
• Not be a resident of a state where our services are not available

When you submit a loan application through our website:

Our services involve working with third-party lenders and service providers:

• Lenders: Third-party lenders in our network make final lending decisions and originate loans. These lenders have their own terms, conditions, and rates.
• Credit Bureaus: We may share information with credit reporting agencies as part of the lending process.
• Service Providers: We use third-party services for payment processing, data analysis, and customer support.

Regarding fees and interest associated with loans obtained through our platform:

All fees and interest rates are disclosed by the lender in the loan agreement before you accept the offer.

By submitting a loan application, you represent and warrant that:

• All information provided is true, accurate, and complete
• You are authorized to share the information provided
• You will use loan funds only for lawful purposes
• You will repay the loan according to the agreed terms
• You have not filed for bankruptcy and do not plan to
• You will notify the lender of any changes to your financial situation

Providing false information may result in denial of your application and potential legal action.

You agree not to use our services for any illegal or prohibited purposes:

• Any illegal activity or fraud
• Submitting false or misleading information
• Attempting to obtain loans through deception
• Using our platform to test credit without intent to borrow
• Attempting to access unauthorized areas of our systems
• Transmitting viruses or malicious code
• Harassing or harming other users

All content on our website, including text, graphics, logos, images, and software, is the property of Loans of Course or its content suppliers and is protected by copyright and other intellectual property laws.

You may not copy, reproduce, modify, distribute, or create derivative works from our content without our express written permission.

OUR SERVICES ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.

We do not warrant that:

• Our services will be uninterrupted, secure, or error-free
• The results obtained from using our services will be accurate
• The quality of any loans or lenders will meet your expectations
• Any errors in the service will be corrected

TO THE MAXIMUM EXTENT PERMITTED BY LAW, LOANS OF COURSE SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR ANY LOSS OF PROFITS, REVENUE, DATA, OR GOODWILL, ARISING OUT OF OR RELATED TO THESE TERMS OR YOUR USE OF OUR SERVICES.

Our total liability for any claims arising under these Terms shall not exceed the amount of fees paid by you to us in the twelve (12) months preceding the claim.

You agree to indemnify, defend, and hold harmless Loans of Course, its officers, directors, employees, and agents from and against any claims, liabilities, damages, losses, and expenses (including reasonable attorneys' fees) arising out of:

• Your use of our services
• Your violation of these Terms of Service
• Your violation of any rights of a third party
• Your negligent or wrongful conduct

These Terms of Service shall be governed by and construed in accordance with the laws of the State of Delaware, without regard to its conflict of law provisions.

We reserve the right to modify these Terms of Service at any time. We will notify you of material changes by:

• Posting the updated terms on this page
• Updating the "Last Updated" date
• Sending an email notification to registered users

Continued use of our services after changes constitutes acceptance of the modified terms.

If you have any questions about these Terms of Service, please contact us: