Terms of Service

1. Acceptance of Terms

By accessing and using FundingPoint.org (the "Site"), you accept and agree to be bound by these Terms of Service and our Privacy Policy. These terms apply to all visitors, users, and others who access or use the Site.

2. Description of Services

FundingPoint.org is an online marketplace that connects consumers with lenders offering various financial products, including personal loans, business loans, credit cards, mortgages, and other lending products. We do not make loans ourselves; rather, we facilitate connections between consumers and third-party lenders.

Our services include:

• Providing information about financial products and services
• Matching users with potential lenders based on their submitted information
• Offering educational content and comparison tools
• Facilitating communication between users and lenders

3. Eligibility

To use our services, you must:

• Be at least 18 years of age
• Be a legal resident of the United States
• Have the legal capacity to enter into binding contracts
• Provide accurate and complete information
• Not be prohibited from using our services under applicable laws

4. User Obligations

Accurate Information

You agree to provide accurate, current, and complete information when using our services. Providing false or misleading information may result in:

• Denial of loan applications
• Termination of your access to our services
• Legal consequences, including potential fraud charges

Account Security

If you create an account, you are responsible for:

• Maintaining the confidentiality of your login credentials
• All activities that occur under your account
• Notifying us immediately of any unauthorized access

Prohibited Uses

You agree not to:

• Use our services for any illegal purpose or in violation of any laws
• Impersonate any person or entity or falsely state your affiliation
• Interfere with or disrupt our services or servers
• Attempt to gain unauthorized access to our systems
• Use automated systems (bots, scrapers) to access our services
• Transmit viruses, malware, or other harmful code
• Harass, abuse, or harm other users or our staff
• Collect or harvest personal information about other users

5. Loan Applications and Lender Relationships

No Guarantee of Approval

Submitting a loan request through FundingPoint.org does not guarantee that you will receive loan offers or be approved for a loan. Lenders make independent decisions based on their own criteria, which may include:

• Credit history and credit score
• Income and employment verification
• Debt-to-income ratio
• Other financial factors

Credit Inquiries

When you submit a loan request, lenders may perform credit checks, which could include:

• Soft inquiries: Do not affect your credit score and are used for pre-qualification
• Hard inquiries: May affect your credit score and occur when you formally apply for a loan

We will inform you before any hard credit inquiry is performed.

Lender Terms

Each lender has its own terms and conditions, including interest rates, fees, repayment terms, and other loan conditions. You are responsible for reviewing and accepting these terms directly with the lender. FundingPoint.org is not a party to any loan agreement between you and a lender.

6. Fees and Compensation

FundingPoint.org is free for consumers to use. We are compensated by lenders and other partners when users are connected with their services or complete certain actions. This compensation may influence which lenders are featured or the order in which they appear, but it does not affect the rates or terms offered by lenders.

7. Intellectual Property

All content on FundingPoint.org, including text, graphics, logos, images, software, and other materials, is the property of FundingPoint.org or its licensors and is protected by copyright, trademark, and other intellectual property laws.

You may not:

• Copy, reproduce, or distribute our content without permission
• Modify or create derivative works based on our content
• Use our trademarks or branding without authorization
• Remove or alter any copyright or proprietary notices

8. Third-Party Links and Services

Our Site may contain links to third-party websites and services. We do not control or endorse these external sites and are not responsible for their content, privacy practices, or terms of service. Your interactions with third parties are solely between you and them.

9. Disclaimers

No Warranty

Our services are provided "as is" and "as available" without warranties of any kind, either express or implied, including but not limited to:

• Warranties of merchantability or fitness for a particular purpose
• Warranties that our services will be uninterrupted or error-free
• Warranties regarding the accuracy or reliability of information

Not Financial Advice

The information provided on FundingPoint.org is for general informational purposes only and should not be considered financial, legal, or tax advice. We recommend consulting with qualified professionals before making financial decisions.

10. Limitation of Liability

To the fullest extent permitted by law, FundingPoint.org and its affiliates, officers, directors, employees, and agents shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to:

• Loss of profits, revenue, or data
• Business interruption
• Personal injury or property damage
• Damages arising from your use of or inability to use our services
• Damages arising from any lender relationship or loan agreement

Our total liability to you for any claims arising from your use of our services shall not exceed $100 or the amount you paid us in the past 12 months, whichever is greater.

11. Indemnification

You agree to indemnify, defend, and hold harmless FundingPoint.org and its affiliates from any claims, damages, losses, liabilities, and expenses (including attorney's fees) arising from:

• Your use of our services
• Your violation of these Terms of Service
• Your violation of any rights of another party
• Any false or misleading information you provide

12. Dispute Resolution

Arbitration Agreement

Any dispute arising from these Terms of Service or your use of our services shall be resolved through binding arbitration rather than in court, except that you may assert claims in small claims court if they qualify.

The arbitration will be conducted by the American Arbitration Association (AAA) under its Consumer Arbitration Rules. You and FundingPoint.org agree to waive the right to a jury trial and to participate in class actions.

Governing Law

These Terms of Service 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.

13. Changes to Terms

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 and updating the "Last Updated" date. Your continued use of our services after such changes constitutes acceptance of the new terms.

14. Termination

We may terminate or suspend your access to our services immediately, without prior notice, for any reason, including if you breach these Terms of Service. Upon termination, your right to use our services will cease immediately.

15. Severability

If any provision of these Terms of Service is found to be unenforceable or invalid, that provision shall be limited or eliminated to the minimum extent necessary, and the remaining provisions shall remain in full force and effect.

16. Contact Information

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

• Email: legal@fundingpoint.org
• Phone: (888) 207-1705
• Mail: FundingPoint.org, 1125 West Street, Suite 234, Annapolis, MD 21401