Terms & Conditions

Effective Date: September 2025

Welcome to Lend & Loan Financial. By accessing or using our website and services, you agree to the following Terms and Conditions. Please read them carefully.

1. Acceptance of Terms

By visiting our website or applying for financial services, you confirm that you accept these Terms and Conditions and agree to comply with them. We reserve the right to update these terms at any time without prior notice. Your continued use of the site or services after changes indicates your acceptance of the updated terms.

2. Eligibility

Our services are available only to individuals who meet the eligibility requirements outlined in our loan agreements and applicable regulations. By using the website or applying for financial services, you represent that you are legally able to enter into a binding agreement, typically 18 years of age or older, have sufficient income to support repayment obligations, and are located within jurisdictions where we are licensed to provide services.

3. Products & Services

Lend & Loan Financial provides various lending and financial services, including personal loans, business loans, credit products, and related financial solutions, as outlined in individual loan agreements. Terms, rates, limits, and conditions vary by product and creditworthiness. All product descriptions on the website are for informational purposes only and do not constitute a binding contract until your loan agreement is finalized in writing.

4. Payment Terms

• All payments must be made according to the schedule in your loan agreement
• Accepted payment methods include [list accepted payment methods]
• Late or missed payments may result in additional fees, penalties, and reporting to credit bureaus
• Prepayment options and any associated fees are outlined in your specific loan agreement
• Default on payment obligations may result in acceleration of the full loan balance

5. Application Process & Credit Decisions

• Loan applications must be submitted with complete and accurate information
• Credit decisions are based on creditworthiness, income verification, and other underwriting criteria
• Approval times may vary depending on application complexity and verification requirements
• We reserve the right to request additional documentation or decline applications that do not meet our lending standards
• Interest rates and terms are determined based on individual credit profiles and market conditions

6. User Responsibilities

• Provide accurate and complete information during application and throughout the loan term
• Keep account credentials secure and notify us immediately of any unauthorized access
• Use the website only for lawful purposes and in accordance with these terms
• Maintain current contact information and promptly notify us of any changes
• You agree not to interfere with the website’s functionality or security

7. Disclaimers

• Loan approval and terms are subject to underwriting and credit approval processes
• We make no guarantees regarding loan approval, interest rates, or specific terms until finalized in writing
• The website is for informational purposes only and does not constitute financial advice
• Lend & Loan Financial is not liable for damages or losses resulting from your use of the website

8. Limitation of Liability

To the maximum extent permitted by law, Lend & Loan Financial and its affiliates are not liable for indirect, incidental, consequential, or punitive damages arising from the use of our website or services. Our total liability is limited to the amount of fees paid by you for our services.

9. Intellectual Property

All content on this website, including text, graphics, logos, and images, is owned by Lend & Loan Financial or its licensors. You may not copy, reproduce, or use our content for commercial purposes without written permission.

10. Privacy & Data Protection

Your use of our services is also governed by our Privacy Policy [insert link], which explains how we collect, use, and protect your personal and financial information. By using our services, you consent to the collection and use of information in accordance with applicable privacy laws and regulations.

11. Termination

We reserve the right to terminate or suspend your account or services for:

• Nonpayment or default on loan obligations
• Fraud or misrepresentation
• Violation of these Terms
• Misuse of the website or services

Termination does not relieve you of any outstanding payment obligations or affect existing loan agreements.

12. Regulatory Compliance

Lend & Loan Financial operates in compliance with applicable federal and state lending regulations. Our lending practices are subject to various consumer protection laws, including but not limited to the Truth in Lending Act, Fair Credit Reporting Act, and Equal Credit Opportunity Act.

13. Governing Laws & Dispute Resolution

These Terms are governed by the laws of CA. Any disputes will be resolved in the courts of , or through binding arbitration if specified in your loan agreement. You may have the right to opt out of arbitration as provided by applicable law.

14. Miscellaneous

Severability: If any part of these Terms is found invalid, the remaining provisions remain in effect.

Entire Agreement: These Terms, together with your loan agreement and any related documents, constitute the entire agreement between you and Lend & Loan Financial regarding our services.

Contact Information: For questions regarding these Terms or our services, please contact us at chrisk@lendandloan.com.

Please consult with a financial advisor or attorney if you have questions about these terms or their implications for your financial situation.