Terms & Conditions

01 Acceptance of Terms

By accessing or using the MyUSA Loan website at www.myusaloan.com (the "Site") or any of our services, you agree to be bound by these Terms and Conditions ("Terms"), our Privacy Policy, and all applicable federal, state, and local laws. If you do not agree to all of these Terms, please do not use our Site or services.

These Terms constitute a legally binding agreement between you ("User," "you," or "your") and MyUSA Loan LLC ("MyUSA Loan," "we," "us," or "our"). We reserve the right to update or modify these Terms at any time. Your continued use of the Site after any such changes constitutes your acceptance of the revised Terms.

You represent that you are of legal age in your jurisdiction (at least 18 years of age in the United States) and have the legal capacity to enter into a binding agreement. If you are using the Site on behalf of a business entity, you represent that you have authority to bind that entity to these Terms.

02 Services Description

MyUSA Loan provides a free, online loan-matching platform that connects consumers seeking personal loans, home loans, mortgage refinancing, auto loans, home equity loans, business loans, and debt consolidation loans with licensed third-party lenders, financial institutions, and credit partners (collectively, "Lenders") in our network.

Our services include, but are not limited to:

• Collection and processing of loan inquiry information submitted by users through our online forms.
• Matching user loan profiles with potentially suitable Lenders based on stated criteria.
• Presenting loan offers and rates from Lenders for user review and comparison.
• Providing educational content, tools (such as our loan calculator), and resources to help users make informed borrowing decisions.
• Facilitating communication between users and Lenders during the application process.

03 Eligibility

To use the MyUSA Loan platform and submit a loan inquiry, you must meet the following minimum eligibility requirements:

• Age: You must be at least 18 years of age (19 in Alabama and Nebraska).
• Residency: You must be a legal resident of the United States and have a valid U.S. residential address.
• Income: You must have a verifiable source of income (employment, self-employment, benefits, or other regular income).
• Bank Account: You must have an active U.S. bank account in good standing for loan disbursement purposes (required by most Lenders).
• Legal Capacity: You must have the legal right to enter into contracts and must not be subject to bankruptcy proceedings that would prevent you from taking on new financial obligations.

Meeting these general eligibility requirements does not guarantee that any Lender will approve your loan application. Each Lender has its own specific eligibility criteria, which may include minimum credit score requirements, debt-to-income ratios, employment history, and other factors. Individual Lender eligibility requirements may vary significantly.

04 Application Process

When you submit a loan inquiry through our Site, you authorize MyUSA Loan to:

• Collect, store, and process the personal and financial information you provide.
• Share your information with Lenders in our network who may be able to fulfill your loan request.
• Conduct a soft credit inquiry (which does not affect your credit score) to help match you with suitable Lenders.
• Contact you via phone, email, or text message (including automated messages) regarding your inquiry and loan options.

You agree to provide accurate, complete, and truthful information in all submissions to our Site. Providing false, misleading, or fraudulent information is strictly prohibited, may result in immediate disqualification from our services, and could constitute a violation of applicable law. MyUSA Loan is not responsible for decisions made by Lenders based on inaccurate information you provide.

Once your information is submitted, you may be redirected to one or more Lender websites or be contacted directly by Lenders. Any formal loan application you complete with a Lender is a separate transaction governed by that Lender's own terms and conditions.

05 No Guarantee of Loan Approval

MyUSA Loan does not guarantee that your loan inquiry will result in a loan offer, pre-approval, or approval from any Lender. The submission of a loan inquiry through our platform is not an application for credit, nor does it constitute a commitment to lend from any Lender in our network.

All loan offers, rates, terms, and amounts presented through our platform are provided by Lenders and are subject to:

• Verification of the information you provided in your inquiry.
• Each Lender's independent underwriting review and credit decision.
• Applicable federal and state lending laws and regulations.
• Current market conditions and Lender-specific policies, which may change at any time.

06 Third-Party Lenders

Our platform connects users with independent, third-party Lenders. These Lenders are separate legal entities from MyUSA Loan and are solely responsible for their lending decisions, loan products, rates, terms, and compliance with applicable lending laws.

MyUSA Loan does not endorse any specific Lender, loan product, or financial service. Inclusion in our Lender network does not constitute a warranty or representation regarding the quality, suitability, or reliability of any Lender.

By using our service, you acknowledge and agree that:

• All Lenders in our network are independent contractors and not agents, employees, or partners of MyUSA Loan.
• MyUSA Loan is not responsible for the actions, omissions, products, services, or content of any third-party Lender.
• Any loan agreement you enter into is solely between you and the Lender; MyUSA Loan is not a party to such agreement.
• You should review the Lender's own terms and conditions, privacy policy, and all loan documents carefully before accepting any offer.
• Lenders may contact you via email, phone, or mail based on the information you provided, and you consent to such contact.

07 Fees & Compensation Disclosure

MyUSA Loan's loan matching and comparison service is provided to consumers completely free of charge. You will never be charged any fee, upfront cost, or subscription to submit a loan inquiry or receive loan offers through our platform.

MyUSA Loan may receive compensation from Lenders in our network. This compensation may include:

• Referral Fees: A fee paid by a Lender when we connect them with a borrower who submits a formal application.
• Lead Generation Fees: Compensation for providing qualified consumer leads to Lenders.
• Partnership Agreements: Revenue-sharing arrangements with Lenders based on funded loans or other performance metrics.

This compensation arrangement may influence which Lenders appear on our platform, the order in which they are displayed, and which offers are featured. However, it does not affect the objectivity of the loan information we provide, and we strive to present options that are relevant and potentially beneficial to you based on the information you provide.

08 Intellectual Property

All content on the MyUSA Loan website, including but not limited to text, graphics, logos, icons, images, audio clips, digital downloads, data compilations, software, and the overall design and compilation thereof ("Content"), is the property of MyUSA Loan LLC or its content suppliers and is protected by United States and international copyright, trademark, patent, trade secret, and other intellectual property laws.

You are granted a limited, non-exclusive, non-transferable, revocable license to access and use the Site for personal, non-commercial purposes. You may not:

• Reproduce, distribute, modify, create derivative works of, or publicly display any Content without our prior written permission.
• Use any data mining, robots, scrapers, or similar data gathering and extraction tools on our Site.
• Use our trademarks, service marks, trade names, or logos in any manner that could create confusion with MyUSA Loan or its affiliates.
• Frame or link to our Site in a manner that is misleading, deceptive, or implies an endorsement that doesn't exist.

Any unauthorized use of our Content terminates the limited license granted above and may violate copyright, trademark, and other applicable laws, potentially resulting in civil or criminal penalties.

09 Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, MYUSA LOAN AND ITS OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, LICENSORS, AND SERVICE PROVIDERS SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO LOSS OF PROFITS, REVENUE, DATA, GOODWILL, OR OTHER INTANGIBLE LOSSES, ARISING OUT OF OR IN CONNECTION WITH:

• Your use of, or inability to use, the Site or our services.
• Any conduct or content of any Lender or other third party on or through the Site.
• Any loan decisions made by Lenders, including denials, unfavorable terms, or unfunded loans.
• Unauthorized access, use, or alteration of your transmissions or data.
• Any errors, inaccuracies, or omissions in content on the Site.

IN NO EVENT SHALL MYUSA LOAN'S TOTAL CUMULATIVE LIABILITY TO YOU FOR ALL CLAIMS ARISING FROM OR RELATING TO THESE TERMS OR YOUR USE OF THE SERVICES EXCEED THE GREATER OF ONE HUNDRED DOLLARS ($100) OR THE AMOUNT YOU PAID MYUSA LOAN (IF ANY) IN THE SIX MONTHS PRECEDING THE CLAIM.

Some jurisdictions do not allow the exclusion or limitation of liability for consequential or incidental damages, so the above limitations may not apply to you. In such jurisdictions, our liability is limited to the greatest extent permitted by law.

10 Governing Law

These Terms shall be governed by and construed in accordance with the laws of the State of New York, without regard to its conflict of law provisions. The United Nations Convention on Contracts for the International Sale of Goods shall not apply.

Any dispute, claim, or controversy arising out of or relating to these Terms or the use of our services that cannot be resolved informally shall be submitted to binding arbitration in New York, New York, in accordance with the rules of the American Arbitration Association ("AAA"). Each party shall bear its own costs and attorneys' fees in any arbitration proceeding, unless the arbitrator determines that a party's claim was frivolous or brought in bad faith.

Notwithstanding the foregoing, either party may seek emergency injunctive or other equitable relief in any court of competent jurisdiction to prevent harm pending the outcome of arbitration. You agree that any arbitration or legal proceeding shall be conducted on an individual basis only and not as a class action or other representative proceeding.

11 Changes to Terms

We reserve the right to modify, update, or replace these Terms at any time at our sole discretion. When we make material changes, we will provide notice by updating the "Last Updated" date at the top of this page and, where appropriate, by sending you an email notification or displaying a prominent notice on our Site.

Your continued access to or use of the Site after the effective date of any changes constitutes your acceptance of the revised Terms. If you disagree with any revised Terms, your sole remedy is to discontinue use of our Site and services.

We encourage you to review these Terms periodically. If you have questions about any changes, please contact us using the information provided in Section 12.

12 Contact Us

If you have questions, concerns, or need clarification about these Terms and Conditions, please do not hesitate to contact our legal team:

These Terms and Conditions, together with our Privacy Policy, constitute the entire agreement between you and MyUSA Loan with respect to your use of the Site and supersede all prior agreements, negotiations, representations, or understandings relating to your use of the Site.