Terms of Service

1. Agreement to these Terms

These Terms of Service ("Terms") form a binding agreement between you and Lendicity LLC ("WalletScout," "we," "us," or "our") and govern your access to and use of walletscout.com and any related pages, tools, content, emails, and services we provide (collectively, the "Services"). By accessing or using the Services, you agree to these Terms and to our Privacy Policy and Electronic Consent. If you do not agree, do not use the Services.

2. What WalletScout is (and what it isn't)

WalletScout operates an online personal loan comparison marketplace. We help U.S. consumers see pre-qualified loan offers from a network of third-party lending partners based on information you provide. WalletScout is not a bank, lender, broker, credit-repair organization, debt collector, financial advisor, attorney, or accountant. We do not make credit decisions, originate loans, fund loans, set rates, or determine the terms of any offer. All credit decisions and loan terms are made and offered solely by the lending partner.

3. Eligibility

To use the Services you must:

• Be at least 18 years old (or the age of majority in your state, if higher);
• Be a legal resident of the United States with a valid U.S. mailing address and Social Security Number;
• Have the legal capacity to enter into a binding contract; and
• Not be barred from using the Services under applicable law.

You agree to provide accurate, current, and complete information about yourself when you use the Services and to keep that information up to date.

4. The loan-matching process

When you submit a loan request, you authorize WalletScout to:

• Share the information you provide with our lending-marketplace partner and with lenders in our network and extended network for the purpose of pre-qualifying you and presenting offers;
• Obtain a soft credit inquiry through our marketplace partner to determine which offers you may be eligible for. A soft inquiry does not affect your credit score;
• Look up your bank's name from a public bank-routing directory using the routing number you enter; and
• Display pre-qualified loan offers on your results page.

Pre-qualified offers are estimates only. They are not commitments to lend, loan approvals, or guarantees of any specific rate, APR, term, fee, or amount. If you choose to proceed with a lender, that lender may run a hard credit inquiry, request additional information, and apply its own underwriting standards. Final loan terms - including APR, fees, monthly payment, term length, and amount funded - are set solely by the lender in its loan documents.

5. Third-party lenders and services

The Services include offers, links, and content from third-party lenders and service providers. WalletScout does not endorse, control, or guarantee any third party or their products, websites, content, fees, or practices. Your interactions with any third-party lender - including the application, underwriting, funding, servicing, collection, and dispute of any loan - are solely between you and that lender, and are governed by that lender's own terms, privacy policy, and loan agreement. Read them carefully before you accept an offer.

WalletScout may receive compensation from lending partners when you click an offer, are matched, or take out a loan. This compensation may influence which offers appear and how they are ordered, but it does not change the rate, APR, fees, or other terms a lender presents to you. See our partners page for additional disclosures.

6. No professional advice

The content on the Services - including articles, calculators, comparisons, illustrative examples, and editorial commentary - is provided for general informational purposes only and is not financial, legal, tax, investment, accounting, or credit-repair advice. WalletScout is not a fiduciary. You should consult a qualified professional before making decisions about borrowing, refinancing, debt consolidation, or any other financial matter. Reliance on any information on the Services is at your own risk.

7. Communications and consent to contact

By providing your email address or submitting a loan request, you consent to receive service emails and marketing emails from WalletScout. Service emails include account notifications, request updates, and transactional messages related to your use of the Services. Marketing emails include promotional offers, newsletters, and other communications about products, services, and partner offers. You can unsubscribe from marketing emails at any time by clicking the unsubscribe link in any marketing email or by visiting our unsubscribe page. Unsubscribing from marketing emails will not affect your receipt of service emails.

You also consent to be contacted by WalletScout and the lending partners we match you with by telephone, text/SMS message, and prerecorded or autodialed calls at the phone number you provided, including for marketing purposes, even if your number is on any federal, state, or internal do-not-call list. Standard message and data rates may apply. Consent is not a condition of any purchase or service. You can withdraw consent as described in our Privacy Policy or via our unsubscribe page; transactional messages about an active request may still be sent.

8. Your account and information

You are responsible for maintaining the confidentiality of any credentials you use to access the Services, and for all activity that occurs under them. Notify us promptly via our contact form if you suspect unauthorized access. You represent that all information you submit is your own (or that you are authorized to submit it on behalf of another person), is accurate and complete, and is not submitted for any fraudulent purpose.

9. Acceptable use

You agree not to:

• Submit false, misleading, stolen, or another person's information, or impersonate any person or entity;
• Use the Services to apply for credit on someone else's behalf without their express authorization;
• Reverse engineer, scrape, harvest, or systematically extract data, offers, lender information, or content from the Services;
• Use any robot, spider, crawler, or automated means to access the Services other than search-engine indexing of public pages;
• Interfere with, probe, overload, or attempt to gain unauthorized access to the Services, our network, or any account;
• Introduce viruses, malware, or other harmful code, or attempt to bypass our security or rate-limiting measures;
• Use the Services to violate any law, regulation, third-party right, or these Terms;
• Resell, sublicense, or commercially exploit the Services or any content on them.

10. Intellectual property

The Services, including the WalletScout name and logo, page designs, text, graphics, software, and editorial content, are owned by Lendicity LLC or its licensors and are protected by U.S. and international intellectual property laws. Subject to your compliance with these Terms, we grant you a limited, revocable, non-exclusive, non-transferable, non-sublicensable license to access and use the Services for your personal, non-commercial use. All other rights are reserved. Lender names, logos, and trademarks displayed on the Services belong to their respective owners and are used to identify those lenders.

11. Feedback

If you send us feedback, suggestions, or ideas about the Services, you grant Lendicity LLC a worldwide, perpetual, irrevocable, royalty-free license to use them for any purpose without compensation or attribution.

12. Disclaimer of warranties

THE SERVICES, INCLUDING ALL CONTENT, OFFERS, TOOLS, AND MATERIALS, ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED. TO THE FULLEST EXTENT PERMITTED BY LAW, WALLETSCOUT DISCLAIMS ALL WARRANTIES, INCLUDING IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE SERVICES WILL BE UNINTERRUPTED, SECURE, OR ERROR-FREE; THAT OFFERS DISPLAYED ARE ACCURATE, CURRENT, OR AVAILABLE; OR THAT ANY LENDER WILL APPROVE YOU OR EXTEND ANY PARTICULAR TERM.

13. Limitation of liability

TO THE FULLEST EXTENT PERMITTED BY LAW, WALLETSCOUT AND ITS OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, AND AFFILIATES WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR FOR ANY LOST PROFITS, REVENUE, DATA, GOODWILL, OR BUSINESS OPPORTUNITY, ARISING OUT OF OR RELATING TO YOUR USE OF THE SERVICES OR ANY LOAN OFFER, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. OUR TOTAL AGGREGATE LIABILITY FOR ALL CLAIMS RELATING TO THE SERVICES WILL NOT EXCEED ONE HUNDRED U.S. DOLLARS (US$100). SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OR LIMITATION OF CERTAIN DAMAGES, SO THESE LIMITS MAY NOT APPLY TO YOU.

14. Indemnification

You agree to defend, indemnify, and hold harmless Lendicity LLC and its affiliates, officers, directors, employees, and agents from any claims, damages, losses, liabilities, and expenses (including reasonable attorneys' fees) arising out of or relating to (a) your use of the Services, (b) information you submit through the Services, (c) your violation of these Terms or any applicable law, or (d) your dealings with any lender or third party introduced through the Services.

15. Dispute resolution; binding arbitration; class-action waiver

Please read this section carefully - it affects your legal rights. You and Lendicity LLC agree that any dispute, claim, or controversy arising out of or relating to these Terms or the Services will be resolved by binding individual arbitration administered by the American Arbitration Association under its Consumer Arbitration Rules, and not in court, except that either party may bring an individual action in small-claims court. The arbitration will take place in the U.S. county where you reside or another mutually agreed location, and judgment on the award may be entered in any court of competent jurisdiction.

Class-action waiver: You and Lendicity LLC agree that each may bring claims against the other only in your individual capacity and not as a plaintiff or class member in any purported class, collective, consolidated, or representative proceeding. The arbitrator may not consolidate more than one person's claims and may not preside over any form of representative or class proceeding.

Opt out: You may opt out of this arbitration agreement by contacting us within 30 days of first accepting these Terms, with the subject line "Arbitration Opt-Out" and your full name and mailing address. If you opt out, the remainder of these Terms still applies.

16. Governing law and venue

These Terms and any dispute between you and Lendicity LLC are governed by the laws of the State of Delaware, without regard to conflict-of-laws rules, and the Federal Arbitration Act governs the interpretation and enforcement of Section 15. Subject to Section 15, the state and federal courts located in Delaware have exclusive jurisdiction over any claim not subject to arbitration.

17. Termination

We may suspend or terminate your access to the Services at any time, with or without notice, including if we believe you have violated these Terms, submitted inaccurate information, or engaged in fraud or abuse. You may stop using the Services at any time. Sections that by their nature should survive termination - including 5, 6, 9–16, and 18 - will survive.

18. Changes to the Services or these Terms

We may modify, suspend, or discontinue all or part of the Services at any time without notice. We may also update these Terms from time to time. When we do, we will post the new version here and update the "Last updated" date above. Material changes will take effect when posted; your continued use of the Services after that date constitutes acceptance of the updated Terms.

19. Miscellaneous

These Terms, together with our Privacy Policy and Electronic Consent, are the entire agreement between you and Lendicity LLC regarding the Services. If any provision is found unenforceable, the rest will remain in full force. Our failure to enforce a provision is not a waiver. You may not assign these Terms; we may assign them to an affiliate or in connection with a corporate transaction. Nothing in these Terms creates a partnership, joint venture, agency, or employment relationship.

20. Contact

Questions about these Terms? Email contactus@walletscout.com or use our contact form.