Welcome to SwipeSolutions. These Terms of Service ("Terms") govern your use of our website at swipesolutions.com (the "Site") and our loan matching services (the "Services"). By accessing or using our Site and Services, you agree to be bound by these Terms.
1. About Our Services
SwipeSolutions is a loan comparison and matching service, not a lender. We connect consumers with a network of third-party lenders and financial service providers. We do not:
- Make loans or extend credit
- Make credit decisions
- Guarantee loan approval
- Set interest rates or loan terms
Any loan offers you receive come directly from third-party lenders, and your loan agreement will be between you and that lender.
2. Eligibility
To use our Services, you must:
- Be at least 18 years of age
- Be a legal resident of the United States
- Have a valid email address and phone number
- Have the legal capacity to enter into binding agreements
3. Your Information
When you submit information through our forms, you:
- Represent that all information provided is accurate and complete
- Authorize us to share your information with our lending partners
- Consent to receive communications from us and our partners regarding loan offers
- Understand that lenders may perform credit checks, which may affect your credit score
See our Privacy Policy for details on how we collect, use, and protect your information.
4. Consent to Be Contacted
By submitting your information, you expressly consent to receive:
- Phone calls (including autodialed and prerecorded calls)
- Text messages (SMS/MMS)
- Emails
from SwipeSolutions and our lending partners at the phone number and email address you provided, for marketing and informational purposes related to loan products. Standard message and data rates may apply. You may opt out at any time by following the unsubscribe instructions in our communications or by contacting us.
5. No Guarantee of Loan Approval
Submitting a loan inquiry through SwipeSolutions does not guarantee that you will receive a loan offer or be approved for any loan. Loan approval depends on various factors determined by individual lenders, including but not limited to:
- Your credit history and score
- Income and employment status
- Debt-to-income ratio
- State lending regulations
- Lender-specific criteria
6. Third-Party Lenders
If you receive and accept a loan offer from one of our lending partners:
- Your loan agreement will be with that lender, not SwipeSolutions
- You should carefully review all loan terms before accepting
- Questions about your loan should be directed to the lender
- We are not responsible for the actions, products, or services of third-party lenders
7. Intellectual Property
All content on the Site, including text, graphics, logos, and software, is the property of SwipeSolutions or its licensors and is protected by intellectual property laws. You may not:
- Copy, modify, or distribute our content without permission
- Use our trademarks without authorization
- Reverse engineer or attempt to extract source code from our Site
8. Prohibited Uses
You agree not to:
- Submit false or misleading information
- Use the Site for any unlawful purpose
- Attempt to interfere with the Site's operation
- Access the Site through automated means (bots, scrapers, etc.)
- Impersonate another person or entity
- Use the Site to transmit spam or malware
9. Disclaimer of Warranties
THE SITE AND SERVICES ARE PROVIDED "AS IS" WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED. WE DO NOT WARRANT THAT:
- The Site will be uninterrupted or error-free
- Loan offers will be available to all users
- Information on the Site is complete or accurate
10. Limitation of Liability
TO THE FULLEST EXTENT PERMITTED BY LAW, SWIPESOLUTIONS SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING FROM YOUR USE OF THE SITE OR SERVICES, INCLUDING BUT NOT LIMITED TO:
- Losses resulting from loan decisions
- Actions of third-party lenders
- Unauthorized access to your information
- Technical failures or interruptions
11. Indemnification
You agree to indemnify and hold harmless SwipeSolutions, its officers, directors, employees, and agents from any claims, damages, or expenses arising from your use of the Site or violation of these Terms.
12. Governing Law
These Terms are governed by the laws of the State of Delaware, without regard to conflict of law principles. Any disputes shall be resolved in the courts of Delaware.
13. Arbitration Agreement
You agree that any dispute arising from these Terms 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 your claims qualify.
14. Changes to Terms
We may modify these Terms at any time. We will notify you of material changes by posting the updated Terms on the Site with a new "Last Updated" date. Your continued use of the Site after changes constitutes acceptance of the modified Terms.
15. Severability
If any provision of these Terms is found to be unenforceable, the remaining provisions will continue in full force and effect.
16. Contact Us
For questions about these Terms, please contact us:
SwipeSolutions
Email: legal@swipesolutions.com
Website: swipesolutions.com/contact