SpeedyLoanLink.com and its owner and operator (“Speedy Loan Link,” “we,” “us,” or “our”) provide loan referral and lead-generation services (described below), related content, and technology through our website located at www.speedyloanlink.com (the “Site”) and any related applications, tools, features, or technologies (collectively, the “Service”).

By accessing, browsing, or using any part of the Service, you acknowledge that you have read, understood, and agree to be bound by these Terms and Conditions of Use (“Terms”).

Speedy Loan Link operates an online loan referral and lead-distribution platform that connects consumers with third-party lenders, lender networks, and financial service providers (“Lender Partners”).

To use the Service, you must complete an online request form (“Request Form”) that may require personal information, including but not limited to:

• Name
• Address
• Phone number
• Email address
• Employment and income information
• Banking or financial details
• Social Security number (where required by lenders)

Our Privacy Policy governs how we collect and use this information and is incorporated into these Terms by reference.

Speedy Loan Link is not a lender, does not issue loans, and does not make credit decisions.

We do not guarantee:

• That you will receive a loan offer
• That you will be matched with a lender
• Any specific loan amount, rate, fee, or term

All lending decisions are made solely by Lender Partners.

By submitting a Request Form, you:

• Authorize Speedy Loan Link to share your information with multiple Lender Partners
• Acknowledge that you are requesting loan offers from third parties
• Agree that Speedy Loan Link and Lender Partners may contact you via:
  • Phone calls
  • Text messages (SMS)
  • Emails
  • Automated dialing systems or prerecorded messages (where permitted by law)

Consent is not required to purchase goods or services.

Lender Partners may review your information in real time and may perform:

• Soft credit checks (which do not affect credit scores), or
• Hard credit inquiries (which may affect your credit score)

These checks may be conducted through:

• Experian
• Equifax
• TransUnion
• Alternative credit bureaus or data providers (e.g., DataX, MicroBilt, Teletrack)

By submitting a Request Form, you authorize such reviews.

If a Lender Partner determines that your information meets its criteria, you may be redirected to the lender's website.

Once redirected:

• Speedy Loan Link is no longer involved
• The lender's own terms and privacy policies apply
• Speedy Loan Link is not responsible for lender actions or decisions

By using the Service, you consent to receive:

• Electronic disclosures
• Notices
• Agreements
• Communications

Lender Partners may require electronic signatures, which are legally binding and equivalent to handwritten signatures.

You may withdraw electronic consent directly with the lender, though doing so may affect your ability to obtain a loan.

You represent that all information you submit is accurate, current, and truthful.

Providing false or misleading information may result in:

• Rejection of your request
• Suspension or termination of access to the Service

Speedy Loan Link may modify, suspend, or discontinue any part of the Service at any time without notice.

We are not responsible for delays or failures caused by:

• Incorrect user information
• Internet or system issues beyond our control

THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE."

Speedy Loan Link DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING:

• Merchantability
• Fitness for a particular purpose
• Non-infringement

USE OF THE SERVICE IS AT YOUR OWN RISK.

To the maximum extent permitted by law, Speedy Loan Link, its partners, affiliates, and service providers are not liable for:

• Indirect or consequential damages
• Credit decisions or lender actions
• Loss of data or business
• Unauthorized access beyond reasonable security measures

Some states may not allow these limitations; rights may vary.

You agree to indemnify and hold harmless Speedy Loan Link and its partners from any claims, damages, or expenses arising from:

• Your use of the Service
• Your violation of these Terms
• Your violation of any law or third-party rights

The Service may include links to third-party websites.

Speedy Loan Link does not control or endorse third-party content or services.

Any dispute arising from or relating to these Terms or the Service shall be resolved exclusively through binding arbitration, governed by the Federal Arbitration Act, administered by the American Arbitration Association (AAA).

You agree:

• No class actions
• No representative claims
• Arbitration on an individual basis only

You may pursue qualifying claims in small-claims court.

These Terms are governed by the laws of the United States and the applicable state, without regard to conflict-of-law principles.

We may update these Terms at any time by posting changes on the Site.

Continued use of the Service constitutes acceptance of the revised Terms.