Terms and Conditions

Freedom Lender USA owns and operates this website. Freedom Lender USA provides and maintains this website for your information, conditioned on your acceptance, without modification, of these Terms of Use ("Terms"). By accessing and using this website, you accept and agree to the following terms and conditions without limitation. Please see the section on SMS Disclosures and Terms below for terms and conditions that specifically apply to SMS and text messaging.

NOTICE: Short term lending products provide the cash needed to meet an immediate short-term cash flow problem. It is not a solution for longer term financial problems for which longer term financing may be more appropriate. You may want to discuss your financial situation with a non-profit financial counseling service in your community.

WE DO NOT OFFER LOANS

Freedom Lender USA's loan matching service matches consumers with prospective lenders participating in Freedom Lender USA's direct network of loan lenders ("participating lenders"). To use the service, you must complete one or more online application forms that request specific information from you, including, but not limited to, your name, address, telephone number, email address, social security number, banking account information, and employment information. Freedom Lender USA's collection and use of this information is subject to this site's Privacy Policy. In order to use this web site or the service, you must agree to the separate terms and conditions set forth in the Privacy Policy, which are incorporated herein by reference.

Once a consumer submits the application form(s) to FreedomLenderUSA.com, Freedom Lender USA shares your information with one or more participating lenders. By submitting the application form(s), you understand and agree that you are submitting an inquiry about a loan product to FreedomLenderUSA.com and each of the participating lenders to whom Freedom Lender USA transmits your loan request. By submitting the application form(s), you are extending an express invitation to Freedom Lender USA and each of the participating lenders with whom your information is shared to contact you by any means (including, without limitation, email, telephone, and direct mail) so that they may assist you with your transaction or provide information to you about additional offers in which you may be interested.

Participating lenders who receive your application information from FreedomLenderUSA.com review your information in real-time to determine whether your information meets the lender's loan qualification criteria. Participating lenders may, among other things, verify your social security number, perform a credit check, and review your information against national databases that track consumer transactions with lending institutions. By submitting the application form(s), you agree to allow participating lenders to review, verify, and research your information in such manner.

If a participating lender determines that your application meets its loan qualification criteria, the FreedomLenderUSA.com web site will open a new web page identifying the name(s) and contact information of the lender(s), or redirect your browser to the lender's web site. You understand and agree that, once you have been redirected to the lender's web site, FreedomLenderUSA.com has no further involvement in the loan application or approval process. Your subsequent interactions with the lender are subject to privacy policy, terms of use, and other policies and/or terms enforced by that lender.

Freedom Lender USA does not guarantee acceptance into any particular loan program or specific loan terms of conditions with any participating lender. Freedom Lender USA does not guarantee that the price, product, availability, rates, fees, or any other loan terms offered and made available by participating lenders through the loan matching service are the best terms available in the market.

Freedom Lender USA does not endorse or recommend the products of any particular lender. FreedomLenderUSA.com is not an agent of you or any participating lender. FreedomLenderUSA.com is not involved with the lender's use and/or review of your application information or in making a determination about whether you meet a particular lender's loan qualification criteria. The lender is solely responsible for its services to you, and you agree that Freedom Lender USA shall not be liable for any damages or costs of any type arising out of or in any way connected with your use of the loan matching service. You understand that participating lenders may keep your application information, whether or not you are qualified for a loan with them.

RESTRICTIONS

You must be 18 years or older and be a legal resident of the US, Canada, or the United Kingdom to submit a request at Freedom Lender USA website. You agree not to use this website or any content contained in it for any illegal or inappropriate activities.

COMPLIANCE WITH LAWS

You agree to comply with all applicable laws, statutes, ordinances and regulations regarding your use of this website and your purchase or use of any products or services through Freedom Lender USA. Freedom Lender USA may (but is not required to) investigate any actual or perceived violations of law and may, in its sole discretion, report actual or perceived violations of law to law enforcement or appropriate authorities. You agree to cooperate fully with any investigation. Violations of these Terms or the Privacy Policy could result in criminal or civil penalties.

INTELLECTUAL PROPERTY

The trademarks, titles, characters, trade names, graphics, designs and other properties, including all software, text and images appearing on this site are protected intellectual properties owned by Freedom Lender USA, its licensees, or other third parties who have authorized use of such properties on this website. Freedom Lender USA grants you permission to view and make copies of pages related to any loan you have with Freedom Lender USA. Freedom Lender USA reserves all other rights in and to this website and its contents. Except for the limited purpose stated above, you may not distribute, display, transmit or disseminate any documents, pages, images, materials or content from this Website without the prior written consent of Freedom Lender USA. Except as expressly provided on this website, nothing contained on this website shall be construed as conferring to you or any other third party any right or license under any trademark, copyright or other intellectual property right.

LIMITATION OF LIABILITY AND DISCLAIMER OF WARRANTIES

Freedom Lender USA uses commercially reasonable efforts to ensure that the information on this website is accurate, but cannot guarantee such accuracy. Freedom Lender USA makes no representations regarding the use or results of any content on this website as to its accuracy, reliability or any other matter. NEITHER Freedom Lender USA NOR ANY OTHER PARTY INVOLVED IN CREATING, PRODUCING OR DELIVERING THIS WEBSITE SHALL BE LIABLE FOR ANY DIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL, INDIRECT OR PUNITIVE DAMAGES ARISING OUT OF YOUR ACCESS TO, OR USE OF, THIS WEBSITE. EVERYTHING ON THIS WEBSITE IS PROVIDED "AS IS" AND WITHOUT WARRANTY OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO, ANY IMPLIED WARRANTY OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE OR NON-INFRINGEMENT. These exclusions and limitations are applied to the fullest extent permitted by law.

PRIVACY

Freedom Lender USA's Privacy Policy, incorporated herein by this reference, is applicable to any data supplied through this website. The Privacy Policy sets out your rights and Freedom Lender USA's responsibilities regarding your personal information. Freedom Lender USA will not use your information in any way inconsistent with the purposes and limitations provided in the Privacy Policy. You agree that Freedom Lender USA, in its sole discretion, may modify its Privacy Policy and that your use of this website after such changes are posted is your acceptance of such changes. If you do not want to be bound by changes to the Privacy Policy, you must terminate use of this website.

SECURITY

Freedom Lender USA utilizes secure technology to protect your personal information but absolute protection cannot be guaranteed nor can Freedom Lender USA guarantee that information will not be intercepted or decrypted by others. Freedom Lender USA accepts no responsibility for such interception or decryption.

MODIFICATION

Freedom Lender USA reserves the right to modify these Terms from time to time. Your use of this website after such a modification will constitute your acceptance of, and your agreement to, any new or amended terms and conditions.

INDEMNIFICATION

By using this website, you agree to indemnify and hold Freedom Lender USA, its subsidiaries, affiliates, officers, agents and other partners and employees, harmless from any loss, liability, claim or demand, including reasonable attorneys' fees, made by any third party due to or arising out of your use or attempted use of this website.

VIOLATION OF THE TERMS OF USE

By using this website, you understand and agree that Freedom Lender USA may, at its sole discretion and without prior notice, terminate your access to this website, to any services offered on this website, and may delete any data you have posted or uploaded to this website.

MISCELLANEOUS

All rights not expressly granted are reserved to Freedom Lender USA. The headings used in these Terms are intended for convenience only and shall not affect the construction and interpretation of these Terms. Freedom Lender USA's failure to insist upon or enforce strict performance of any provision of these Terms shall not be construed as a waiver of such or any future provision or right. If any provision of these Terms is held invalid or unenforceable, such determination shall not affect such provision in any other respect or any other provision of these Terms, which shall remain in full force and effect. These Terms and the Privacy Policy constitute the entire agreement and understanding between the parties with respect to the subject matter contained herein and supersedes and replaces any and all prior written or oral agreements related to the subject matter hereof.

SMS DISCLOSURES AND TERMS

This Short Message Service ("SMS") Disclosure ("SMS Disclosure") is in addition to (and in in lieu of) the above Terms, and applies to each account you have with Freedom Lender USA for which you have elected to receive SMS messages. "SMS Notifications" means any SMS (short message or text message) communication from Freedom Lender USA to you pertaining to your application.

HOW TO UNSUBSCRIBE

You may withdraw your consent to receive SMS Notifications by texting STOP to the message you receive. At Freedom Lender USA's sole discretion, Freedom Lender USA may treat your provision of an invalid mobile phone number, or the subsequent malfunction of a previously valid mobile phone number, as a withdrawal of your consent to receive SMS Notifications. Freedom Lender USA will not impose any fee to process the withdrawal of your consent to receive SMS Notifications. Any withdrawal of your consent to use SMS Notifications will be effective only after Freedom Lender USA has a reasonable period of time to process your withdrawal.