Terms of Service

Acceptance of terms

By accessing possibleloansfinance.com (the "Site"), you agree to be bound by these Terms of Service ("Terms") and our Privacy Policy, which are incorporated by reference. If you do not agree to these Terms, do not use this Site.

These Terms apply to all visitors, users, and others who access or use the Site. We reserve the right to update these Terms at any time. Continued use of the Site after any update constitutes acceptance of the revised Terms.

Not financial advice

The content on this Site is for informational and educational purposes only. It does not constitute financial, legal, tax, investment, or professional advice of any kind.

Specifically:

• Nothing on this Site should be construed as a recommendation to borrow money, apply for any specific loan, or take any particular financial action
• All loan cost estimates, APR calculations, and product comparisons are based on publicly available information and may not reflect current rates or your individual circumstances
• Whether a particular financial product is right for you depends on your personal financial situation, which we cannot assess
• We are not licensed financial advisors, lenders, mortgage brokers, or credit counselors

Before making any borrowing decision, we strongly recommend consulting with a qualified financial professional, and reviewing all loan terms directly with the lender in the official loan agreement and TILA disclosure.

If you are in financial hardship, consider contacting a non-profit credit counselor through NFCC.org or the Consumer Financial Protection Bureau before borrowing.

Accuracy of information

We make reasonable efforts to ensure the accuracy of information published on this Site, including loan rates, eligibility requirements, state availability, and fee schedules. However:

• Loan product terms, fees, APRs, and availability change frequently and without notice
• Information on this Site may not reflect the most current terms at the time you read it
• We cannot guarantee the accuracy, completeness, or currentness of any information on this Site
• The authoritative source for any loan product's terms is always the lender's official documentation and TILA disclosures

If you believe any information on this Site is inaccurate, please contact us at editorial@possibleloansfinance.com. We will investigate and correct verified errors promptly.

Affiliate relationships

This Site participates in affiliate referral programs. We may receive compensation when:

• You click an affiliate link on this Site and subsequently apply for or obtain a financial product
• You submit information through the loan application form embedded on this Site (powered by APIdiamond, aid: 16727)
• You are matched with and apply through a lender partner in the APIdiamond network or other referral programs we participate in

This compensation may influence which products we feature and the prominence with which we feature them, but does not influence our editorial ratings, which are based on our independent assessment of product characteristics. All affiliate relationships are disclosed in accordance with FTC guidelines (16 CFR Part 255).

We are not responsible for the actions, terms, representations, or practices of any lender or financial product provider, including any lender you connect with through this Site.

Permitted use

You may use this Site for personal, non-commercial informational purposes. You agree not to:

• Copy, reproduce, distribute, or republish content from this Site without explicit written permission
• Use automated tools (scrapers, bots, crawlers) to extract content in bulk from this Site
• Use content from this Site in a way that misrepresents its source or our editorial independence
• Attempt to interfere with the security or proper functioning of the Site
• Use this Site for any unlawful purpose or in violation of any applicable regulation
• Impersonate this Site or its editorial team

We reserve the right to terminate or restrict access to the Site for anyone who violates these Terms.

Intellectual property

All original content on this Site — including text, graphics, icons, layouts, and code — is owned by Possible Loans and protected by United States copyright law. The Site's content may not be reproduced, republished, or distributed without prior written consent, except as permitted under fair use.

If you wish to quote or cite content from this Site, you may reproduce short excerpts (under 50 words) with attribution and a link to the original page. For longer excerpts, contact editorial@possibleloansfinance.com.

Third-party trademarks, brand names, and product names appearing on this Site are the property of their respective owners. Their appearance does not imply any affiliation with or endorsement by those trademark holders.

Third-party links & tools

This Site contains links to third-party websites, including lender sites, regulatory databases, and research organizations. These links are provided for convenience and informational purposes only. We:

• Do not control, endorse, or assume responsibility for the content of any third-party site
• Are not responsible for any damage or loss caused by reliance on any third-party content
• Do not guarantee that third-party links will remain active or accurate

The loan eligibility calculator on this Site provides estimates only. Actual loan terms are determined by the lender. The calculator is provided as-is, without warranty of any kind.

Limitation of liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, POSSIBLE LOANS FINANCE AND ITS OPERATORS SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO:

• Financial losses arising from borrowing decisions made in reliance on information from this Site
• Inaccuracies in loan rate or eligibility information
• Data loss or unauthorized access related to your use of this Site
• Any action taken by a third-party lender, matching network, or financial product provider

IN NO EVENT SHALL OUR TOTAL LIABILITY TO YOU EXCEED THE GREATER OF (A) ONE HUNDRED US DOLLARS ($100) OR (B) THE AMOUNT YOU PAID TO ACCESS THE SITE IN THE TWELVE MONTHS PRECEDING THE CLAIM (WHICH IS $0, AS THIS SITE IS FREE).

Some jurisdictions do not allow the exclusion of certain warranties or limitation of liability, so some of the above limitations may not apply to you.

Indemnification

You agree to indemnify, defend, and hold harmless Possible Loans and its operators from any claims, damages, losses, liabilities, costs, or expenses (including attorneys' fees) arising from: (a) your use of this Site; (b) your violation of these Terms; or (c) your violation of any applicable law or the rights of a third party.

Trademark notice

"Possible Finance," "Possible," and related marks are registered trademarks of Possible Financial Inc. (NMLS #1697898). This Site is not affiliated with, endorsed by, authorized by, or otherwise connected to Possible Financial Inc.

We use these marks only to identify and describe the products and company being reviewed, consistent with nominative fair use. We make no claim to ownership of these marks.

"Possible Loans" and "possibleloansfinance.com" are our own marks and refer to this independent publication only.

Copyright & DMCA

If you believe that content on this Site infringes your copyright, please send a notice to legal@possibleloansfinance.com that includes:

• A description of the copyrighted work you claim has been infringed
• The URL on this Site where the allegedly infringing content appears
• Your contact information (name, address, phone, email)
• A statement that you have a good-faith belief that use of the material is not authorized
• A statement under penalty of perjury that the information in your notice is accurate and that you are the copyright owner or authorized to act on their behalf

We will investigate valid DMCA notices and respond within 10 business days.

Dispute resolution

Any dispute arising from your use of this Site or these Terms that cannot be resolved informally shall be resolved by binding individual arbitration under the rules of the American Arbitration Association, rather than in a court of law. You waive your right to a jury trial and your right to participate in a class action lawsuit.

Before initiating arbitration, you agree to contact us at legal@possibleloansfinance.com and give us 30 days to resolve the dispute informally.

Notwithstanding the above, either party may seek emergency injunctive relief in a court of competent jurisdiction to prevent irreparable harm.

Governing law

These Terms are governed by the laws of the United States and, to the extent applicable, the laws of the state in which the Site is operated, without regard to conflict-of-law principles. Any arbitration or court proceeding shall take place in the United States.

Changes to terms

We reserve the right to modify these Terms at any time. We will:

• Update the "Last updated" date and version number at the top of this page
• For material changes, post a notice at the top of this page for 30 days

Your continued use of the Site after any changes take effect constitutes your acceptance of the revised Terms. If you do not agree to the revised Terms, you must stop using the Site.

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