Terms of Use

Last Updated: July 1, 2020

financlon.com owns and operates the website located at financlon.com (the “Site”). The use of this Site is subject to your agreement with the terms, conditions, and notices contained in these Terms of Use, as well as the Privacy Policy. By using the Site, you agree to the following terms without limitation:

Products and Services

financlon.com is not a lender or lending partner and is not liable for any lending product promoted or offered on the Site, or for any credit-related decisions made regarding you. No specific loan products are offered by financlon.com. Loan products are offered directly by lenders or lending partners.

Esign Consent

By clicking “Get Cash Now” (or similar buttons), you consent to providing an electronic signature and agree to be contacted electronically by lenders or lending partners. Required disclosures, including adverse action notices, may be provided electronically, and you confirm you have the ability to access such documents (e.g., PDFs).

SMS Terms and Conditions

By clicking “Submit,” you agree to receive informational and promotional SMS messages from financlon.com and its marketing partners. Standard messaging and data rates may apply, and service is available through most major carriers. You can cancel by texting STOP in response to a message, or request help by texting HELP.

Email Opt-In

By providing your email address, you consent to receive both transactional and promotional emails from financlon.com, its partners, and associated lender networks.

Loan Inquiry Policy

financlon.com reserves the right to reject any inquiry at any time for reasons permitted by law. Additional information may be requested before your inquiry is accepted. Upon submitting your information, you will be connected with a lender or lending partner based on their criteria. However, this does not guarantee loan approval, which is at the sole discretion of the lender or lending partner.

Credit References

Participating lenders or lending partners may check your credit information through national databases, such as Equifax, TransUnion, or Experian. By submitting your information, you agree to allow such credit checks.

Restrictions

You must be at least 18 years old and a legal U.S. resident to use the Site. You agree not to use the Site for any illegal or inappropriate activities.

Compliance with Laws

You must comply with all relevant laws and regulations regarding the use of this Site and its services. financlon.com may report any potential violations to the appropriate authorities and conduct investigations, during which services may be suspended or data removed from the Site.

Intellectual Property

All content, designs, and trademarks on the Site are owned by financlon.com or third parties authorized to use them. You may view and make copies for loan inquiry purposes but cannot distribute or display content without written permission.

Limitation of Liability and Disclaimer of Warranties

financlon.com makes reasonable efforts to ensure the accuracy of Site information but does not guarantee it. The Site is provided “as is” without any warranties, and financlon.com will not be liable for damages arising from its use.

Third Party Content

The Site may contain links to third-party websites. financlon.com is not responsible for the content or privacy policies of such websites, and links should not be seen as endorsements.

Privacy

financlon.com’s Privacy Policy governs how your personal information is handled. Any updates to the Privacy Policy will be effective upon posting.

Security

financlon.com uses commercially reasonable security measures but cannot guarantee that personal information will not be intercepted by unauthorized parties.

Site Use

financlon.com does not charge users for access to the Site. It may receive compensation from lenders or third parties for services provided. financlon.com does not act as an agent for you, the lenders, or other service providers.

Law and Venue

financlon.com is owned by Customer Acquisition LLC, a company registered in Saint Kitts and Nevis. By using the Site, you agree to the jurisdiction of Saint Kitts and Nevis. Any disputes will be governed by its laws.

Binding Arbitration

Any disputes related to these Terms or your use of the Site will be resolved through binding arbitration in Clark County, Nevada. The prevailing party may recover arbitration costs.

Modification

financlon.com reserves the right to update these Terms of Use at any time. Continued use of the Site after modifications implies acceptance of the new terms.

Indemnification

You agree to indemnify financlon.com from any claims or damages arising from your use of the Site or violations of the Terms of Use.

Violation of Terms of Use

financlon.com reserves the right to terminate your access to the Site or remove content if it violates these Terms of Use or the Privacy Policy.

Class Action Waiver

All disputes must be resolved on an individual basis. You agree not to participate in any class action lawsuits or private attorney general actions against financlon.com or its lending partners.

Miscellaneous

These Terms, along with the Privacy Policy, constitute the full agreement between you and financlon.com. If any part of the Terms is found invalid, the rest will remain enforceable.

For questions or issues with the Site, you must contact your lender directly, as financlon.com is not responsible for your loan approval or status.

Contact Information:

- Company: Customer Acquisition LLC
- Address: Springates Building, Lower Government Road, Charlestown, Saint Kitts and Nevis
- Email: support@financlon.com

Notice and Take Down Procedures

To request the removal of infringing content, contact financlon.com’s legal department with the necessary information, including identification of the copyrighted work and infringing material.

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Important Disclosures

Serious Financial Considerations:

If you're experiencing significant financial hardship, please explore other alternatives or seek professional financial advice.

Site Visit Recordation Technology:

We use technology, including Jornaya’s LeadiD, to record visits to this site. By submitting your information, you consent to this technology's use.

Website Function:

This site’s owner is not a lender, broker, or agent and does not engage in lender-related activities. By submitting your information, you are requesting to be connected to one or more financial service providers, who will handle the credit application process.

Lead Generation Service:

This service is free for consumers. Lenders pay a fee to connect with users seeking loans, and this is typically managed through a ping tree model, where the highest bidder is linked with the consumer.

Tribal Lending Enterprises (TLEs):

If you are matched with a TLE, please note they follow tribal and federal laws and may not adhere to state law, such as interest rate caps. Their terms, including rates and fees, may differ from state-licensed lenders. Always review and understand the terms before accepting any loan.

Credit Checks:

By submitting your information, you allow us and our network of lenders to perform a credit check, which may involve verifying your social security number and reviewing your creditworthiness through agencies like Experian, Equifax, or TransUnion, as well as alternative bureaus like Clarity and DataX.

Service Availability:

This service may not be available in all states. Be sure to verify your eligibility.

Lender’s Terms and Disclosure:

Your lender is required by law to provide clear information about loan fees, interest rates, and any potential late payment fees. Always read the loan terms carefully and make sure they align with your ability to repay.

Protect Your Credit Score:

Missing or making late payments can damage your credit score. Only agree to loan terms that you can afford and reach out to your lender if you're facing difficulties in making payments.