One application.Hundreds of lenders.One fast match.

Introduction.

You are visiting a website owned and operated by Loan Wise IQ LLC (“LoanWiseIQ,” “we,” “us,” or “our”). These Terms and Conditions (“Terms”) govern your access to and use of this website, including any affiliated sites operated by LoanWiseIQ and its subsidiaries, where these Terms are posted (collectively, the “Site” or “Website”), as well as the products, services, features, and content made available through them (collectively, the “Services”). By accessing, browsing, or using the Site or Services, you acknowledge and agree that you have read, understood, and consent to be legally bound by these Terms and our Privacy Policy, which is incorporated herein by reference. You further represent and warrant that, to the fullest extent required under applicable state and federal laws, you have been provided with and agree to any legally required disclosures and consents. Certain Services offered through the Site may be subject to additional terms, conditions, or disclosures. By choosing to proceed with any such Service, you confirm that you have read, understood, and agree to be bound by any such additional terms, which are incorporated into these Terms by reference.

Agreement.

By accessing, browsing, or using this Website or any affiliated sites or Services, you expressly acknowledge and agree that:

• Binding Agreement: You have read, understood, and agreed to be legally bound by these Terms, as well as our Privacy Policy, which is incorporated into these Terms by reference.
• Legal Disclosures and Consent: To the fullest extent required by applicable state and federal law, you acknowledge that you have been provided with all necessary disclosures, have received them in a legally sufficient manner, and consent to all required terms and practices described therein.
• Eligibility You confirm that you are at least 18 years of age (or the age of legal majority in your jurisdiction), and that you are not prohibited by law from accessing or using any of the Services provided through this Website.

In addition, certain Services offered through the Website may be governed by additional terms and conditions specific to those Services. By proceeding with the use of such Services, you agree that you have reviewed, understood, and accepted any supplemental terms applicable to that specific Service. If you do not agree to these Terms in full, you must not access or use the Website or any Services provided herein.

Modification.

We reserve the right, at our sole discretion, to update, modify, or replace these Terms at any time. Any changes will be posted to this Website, and the “Last Updated” date at the top of this page will reflect the date of the most recent revision. Unless otherwise stated, revised Terms will become effective seven (7) days after they are posted. In the event of material changes (such as updates that affect your rights or obligations) we may provide additional notice, such as by email or a prominent notice on the Website. We encourage you to review these Terms periodically to stay informed of any updates. Your continued access to or use of the Website or Services after the effective date of any changes constitutes your acknowledgment and acceptance of the modified Terms.

If you do not agree to any amended terms, you must discontinue your use of the Website and Services immediately.

Eligibility.

The Services offered on this Website are intended solely for use by individuals who are at least 18 years of age and are legal residents of the United States. By accessing or using this Website, including applying for or utilizing any of its Services, you represent and warrant that:

• You are 18 years of age or older;
• You are a legal resident of the United States;
• You are legally capable of entering into a binding agreement; and
• You are not prohibited from using the Services under any applicable law or regulation.

Please note that not all Services described on this Website are available in all geographic locations or jurisdictions. Eligibility for specific Services is subject to final approval and determination by LoanWiseIQ, its affiliates, and/or its lending and service partners. We reserve the right to deny or restrict access to the Website or any Service at our sole discretion, without prior notice, for any reason, including but not limited to violations of these Terms.

Authorization to Obtain Credit Reports and Verify Information.

By submitting a loan request through this Website, you provide your express written consent under the Fair Credit Reporting Act (FCRA) authorizing LoanWiseIQ and its affiliates, as well as any third-party lenders, service providers, or financial partners with whom your request is shared (collectively, “Authorized Parties”), to obtain and review information about you from one or more consumer reporting agencies. This includes, but is not limited to, your consumer credit report, credit score, and related credit information from agencies such as Experian, TransUnion, Equifax, Clarity Services, Array, or other recognized credit bureaus.

These Authorized Parties may use this information for the following purposes:

• To verify your identity and eligibility;
• To provide personalized loan quotes or offers;
• To conduct a creditworthiness assessment as part of a loan decision;
• To comply with applicable legal, regulatory, or underwriting requirements.

In addition, you acknowledge and agree that these parties may use third-party identity verification services to validate the accuracy of the information you provide, including but not limited to your Social Security number, current and previous addresses, phone numbers, bank account details, and employment history. Obtaining a credit report does not guarantee approval for any loan or service, and your credit may be pulled by multiple parties depending on the number of lenders reviewing your application.

Services Offered by this Website.

Online Marketplace for Lenders and Other Providers.

This Website operates as a digital marketplace that connects consumers with third-party lenders, non-lender financial service providers, and other entities (collectively, "Network Partners"). By clicking “Submit” or any similar button indicating your intent to proceed, you represent and warrant that all information provided in your loan request form is accurate, truthful, and complete to the best of your knowledge.

Network Partners participating in our platform utilize proprietary filters, eligibility criteria, and bid strategies to identify the types of consumers with whom they wish to connect. These Network Partners also determine the compensation they are willing to pay LoanWiseIQ in exchange for the opportunity to present offers to qualifying consumers. This compensation may influence the order or manner in which offers are presented to you.

Upon submitting your loan request, LoanWiseIQ transmits your information in real time through our automated network, which may result in the request being connected to a Network Partner. If connected, you will be redirected to that Network Partner’s website, where you may be presented with a loan offer or other related product or service.

If your request is not accepted by any Network Partner, we may:

• Present you with an option to resubmit your request;
• Offer you information on alternative products or services; or
• Share your contact information with trusted third-party marketers or service providers who may contact you via email or text/SMS to present relevant offers (message and data rates may apply).

Tribal Lender Disclosure.

By submitting your loan request, you may be matched with a tribal lender or marketplace lender. Tribal lenders operate under the authority of sovereign tribal nations and may claim exemption from state laws governing licensing and interest rate limitations. This means that loans offered by tribal lenders may carry higher rates and fees compared to state-licensed lenders, and may also require arbitration or dispute resolution in a tribal jurisdiction.

You are strongly encouraged to thoroughly review and fully understand the terms and conditions of any loan offer and to reject any offer you cannot afford or find unacceptable. By using this Website, you acknowledge and agree that you have read and understood this disclosure.

We Are Not a Lender.

LoanWiseIQ is not a lender, loan broker, financial institution, or agent of any lender or financial institution. This Website does not constitute an offer or solicitation to lend. We do not make credit decisions, originate loans, or guarantee approval or loan terms. LoanWiseIQ collects and transmits your personal and financial information to Network Partners who may provide loan offers or related products. Your information may also be shared with non-lenders or intermediary providers to facilitate a connection with a lender. Submitting your information does not guarantee:

• That you will be connected with a lender;
• That you will be approved for a loan;
• That you will receive the loan amount requested; or
• That the loan will be available in your state or jurisdiction.

Loan amounts, terms, funding timelines, and lender availability may vary. If a lender does not operate in your state, you will not be connected with that lender. For any questions regarding a loan product or decision, you must contact the lender directly.

Advertiser Disclosure.

LoanWiseIQ provides this service free of charge to you. However, we may be compensated by lenders, non-lenders, and third-party providers for each lead or referral we deliver. Your use of this Website constitutes your understanding and agreement to this compensation structure. We do not endorse, recommend, or guarantee the products, services, or practices of any particular Network Partner. You are solely responsible for evaluating loan offers, determining suitability, and selecting the lender or provider that best fits your financial situation. We do not guarantee that offers presented are the best available in the market.

Request for Other Products and Services.

In addition to loan-related services, LoanWiseIQ may offer or allow you to request additional products or services that align with your interests. These may include, but are not limited to:

• Debt consolidation or settlement services
• Auto title loans
• Credit card offers
• Health, life, or other insurance products
• Credit monitoring or repair services

By submitting your information, you consent to receiving offers and marketing communications for these ancillary services when applicable.

Not Professional Advice.

The information, content, and services provided by LoanWiseIQ are offered solely for your convenience and do not constitute financial, legal, medical, or professional advice. We make no representations or warranties regarding the suitability, reliability, or accuracy of any content or service. You should not rely on any information provided by this Website as a substitute for consultation with a qualified professional. Always seek advice from a licensed professional regarding your financial decisions. Never disregard or delay seeking professional advice because of something you have read or encountered on this Website. No fiduciary or professional-client relationship is formed between you and LoanWiseIQ through the use of this Website or any of our Services.

Data Sharing with Lenders, Providers, Non-Lending Financial Institutions, and Third Parties.

When you voluntarily submit your loan request or provide any personal information through this Website, you acknowledge and agree that LoanWiseIQ will share the information you provide with third-party lenders, service providers, non-lending financial institutions, and other affiliated entities (collectively, “Network Partners”). These Network Partners may collect, store, and use the information you provide, including data from your loan request form and any other information obtained during the processing of your application or related services. Network Partners may retain this information regardless of whether you qualify for, accept, or ultimately receive a loan or other products and services. This retention may also apply if you do not meet eligibility criteria or do not complete a transaction. You are responsible for directly contacting any Network Partner if you wish to stop receiving communications or offers from them. Furthermore, LoanWiseIQ and its Network Partners may disclose the information you provide to applicable state licensing authorities, government regulators, and law enforcement agencies as required by law or regulation.

Under agreements between LoanWiseIQ and Network Partners, we may receive updates about the status of your loan request, including, but not limited to, loan approval status, funding amount, or loan disposition. Detailed information on how your data is handled by each Network Partner can be found in their respective Privacy Policies, which we encourage you to review. By submitting your information, you expressly consent to LoanWiseIQ and the selected Network Partners sharing your personally identifiable information for purposes including, but not limited to:

• Providing the products and services you request;
• Responding to litigation, regulatory inquiries, or law enforcement requests;
• Conducting internal analytics and performance assessments;
• Marketing and promotional communications.

Your consent is a necessary part of using our Services and enables us to connect you with the appropriate providers efficiently and securely.

Consent to Receive Communications Electronically.

By submitting a loan request on or through this Website, you expressly consent and agree to receive all legally required disclosures, notices, and other communications (collectively, “Disclosures and Communications”) electronically, in accordance with the terms of our Electronic Consent (“E-Consent”). Network Partners and LoanWiseIQ are required by law to provide you with certain disclosures and communications related to your loan request or any services offered. These may include, but are not limited to:

• Information regarding the status of your loan request;
• Requests for additional information or clarification regarding your application;
• Terms, conditions, agreements, and other contractual documents; and
• Privacy policies of LoanWiseIQ and its Network Partners.

You acknowledge that electronic delivery is a valid and effective means of receiving these documents and that you have the right to receive any document in a non-electronic format upon request. If you wish to withdraw your consent to receive electronic communications at any time, or if you no longer want to receive communications from LoanWiseIQ or its Marketing Service Providers, you may do so by:

• Contacting us via email at [email protected], or
• Using the opt-out mechanism provided in the communications you receive from us.

Please note that opting out of electronic communications may limit or delay your ability to receive important information related to your loan request or other services.

Consent to Receive Communications, Telephone Calls, and SMS Messaging.

By submitting your information on our Website and providing your consent, you agree that LoanWiseIQ, its affiliates, Network Partners, and designated Marketing Service Providers may contact you via telephone calls and/or SMS/text messages at the phone numbers you provide, including both landline and cellular numbers. This consent includes calls or messages made using automated dialing systems or pre-recorded messages, even if your number is listed on any federal, state, or local Do-Not-Call registry. Communications you receive may relate to your loan request or may include marketing of loan and non-loan related products and services such as debt consolidation or settlement services, health insurance products, auto title loans, credit card offers, and other products or services that may be of interest to you. Standard message and data rates may apply for SMS communications.

By submitting a loan request, you acknowledge that a business relationship is established between you and LoanWiseIQ, and you expressly consent to receive electronic communications, including agreements, disclosures, notices, and other information required by law, in electronic form. This electronic delivery satisfies any legal requirement that such communications be in writing. You also authorize us to retain the information you provide and to make live or recorded calls or send messages to discuss or remind you about any aspect of your loan request, including incomplete submissions, offers, deadlines, service quality, or related products and services. If you wish to withdraw your consent and opt out of receiving future communications from LoanWiseIQ, and its Marketing Service Providers, you may do so at any time by:

• Using the opt-out mechanism provided in the communication you receive, or
• Contacting us directly via email at [email protected], or

Please note that opting out of communications may affect your ability to receive important information regarding your loan request or related services.

Copyrights and Trademark.

All content on this Website—including, but not limited to, software, graphics, text, design elements, images, illustrations, databases, user interfaces, visual and audio components, structure, arrangement, products, and information (collectively, the “Content”)—is owned, controlled, or licensed by LoanWiseIQ and/or its licensors. This Content is protected by U.S. and international copyright laws, trademark laws, patent laws, trade secret protections, and other intellectual property and unfair competition laws.

Except as expressly permitted by LoanWiseIQ in writing, no part of this Website or its Content may be copied, reproduced, republished, uploaded, posted, publicly displayed, transmitted, distributed, modified, framed, mirrored, or otherwise used in any manner without the prior written consent of LoanWiseIQ. Unauthorized use of the Website’s Content may violate copyright, trademark, and other laws and may result in civil or criminal penalties.

All trademarks, service marks, logos, and trade names displayed on this Website are the registered or unregistered trademarks of LoanWiseIQ or their respective owners. Nothing on this Website should be construed as granting any license or right to use any trademark displayed on this site without the prior written permission of LoanWiseIQ or the applicable trademark owner.

Privacy.

Your privacy is important to us. LoanWiseIQ employs industry-standard security measures and best practices to protect your personally identifiable information (“PII”) from unauthorized access, disclosure, alteration, or destruction. For detailed information about how we collect, use, and safeguard your information, please review our full Privacy Policy. When you use this Website, LoanWiseIQ and/or its Network Partners may collect, verify, and record personal information including, but not limited to, your name, Social Security number, address, telephone number, and date of birth. This information is necessary to accurately identify you and facilitate your loan request. During the application process with our Network Partners, you may be required to provide additional documentation (such as a driver’s license or other government-issued identification) to further verify your identity and comply with applicable legal and regulatory requirements.

Foreign Users.

LoanWiseIQ makes no representation that the content, products, or services offered on this Website are appropriate, available, or lawful for use in jurisdictions outside the United States. If you access or use this Website from outside the United States, you acknowledge and agree that:

• You have voluntarily initiated contact with LoanWiseIQ from your location;
• You will not use, transmit, disseminate, or upload any content or materials through this Website in violation of any applicable local, state, national, or international laws or regulations of your country of residence;
• LoanWiseIQ shall have no liability under any laws other than those of the United States;
• Your use of this Website and any related Services shall be governed exclusively by the laws of the United States, and any disputes shall be subject to the arbitration and venue provisions set forth in these Terms;
• You expressly consent to the processing and storage of your personal data in the United States, in accordance with applicable U.S. privacy laws.

By continuing to access or use this Website from outside the United States, you confirm your understanding and acceptance of these conditions.

Representations and Warranties.

By using this Website, you represent, warrant, and affirm to LoanWiseIQ that: (i) you are at least 18 years of age and legally capable of entering into a binding agreement; (ii) you have the full authority and legal capacity to accept and be bound by these Terms; (iii) you will not use this Website or any of its content, features, or services for any unlawful purpose, or in any way that infringes upon the rights of LoanWiseIQ or any third party; (iv) any information, data, or materials you submit through this Website—including but not limited to your name, email address, phone number, financial details, or other identifying information—is accurate, truthful, complete, and does not violate any law or infringe on any third-party rights; (v) you are not impersonating any person or entity, and you are not using a false identity or misrepresenting your affiliation with any person or organization; (vi) you have the necessary authority, rights, and permissions to perform your obligations and comply with these Terms as a user of this Website. Your continued use of this Website constitutes a reaffirmation of these representations and warranties.

Disclaimers and Limitation of Liability.

No Warranties

LOANWISEIQ PROVIDES THIS WEBSITE, INCLUDING ALL INFORMATION, CONTENT, FUNCTIONALITY, PRODUCTS, AND SERVICES AVAILABLE THROUGH IT, ON AN "AS IS" AND "AS AVAILABLE" BASIS, WITHOUT WARRANTIES OF ANY KIND—EXPRESS, IMPLIED, OR STATUTORY. TO THE MAXIMUM EXTENT PERMITTED BY LAW, LOANWISEIQ EXPRESSLY DISCLAIMS ALL WARRANTIES, INCLUDING BUT NOT LIMITED TO: (i) IMPLIED WARRANTIES OF MERCHANTABILITY; (ii) FITNESS FOR A PARTICULAR PURPOSE; (iii) NON INFRINGEMENT; (iv) ACCURACY, RELIABILITY, OR COMPLETENESS OF ANY INFORMATION; (v) AVAILABILITY OR TIMELINESS OF SERVICE; (vi) ANY WARRANTIES ARISING OUT OF COURSE OF DEALING, USAGE, OR TRADE PRACTICE. LOANWISEIQ MAKES NO REPRESENTATIONS OR GUARANTEES THAT YOUR USE OF THIS WEBSITE WILL BE UNINTERRUPTED, ERROR-FREE, OR FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS. WE DO NOT WARRANT THAT ANY INFORMATION OBTAINED THROUGH THIS WEBSITE WILL MEET YOUR EXPECTATIONS OR THAT RESULTS WILL BE RELIABLE OR SUITABLE FOR YOUR NEEDS.

No Responsibility for Third Parties

LOANWISEIQ IS NOT RESPONSIBLE FOR, AND DISCLAIMS ALL LIABILITY RELATED TO: (i) THE CONDUCT, ACTS, OR OMISSIONS OF ANY NETWORK PARTNER OR THIRD-PARTY SERVICE PROVIDER; (ii) THE ACCURACY OR LEGALITY OF ANY QUOTES, LOAN OFFERS, OR SERVICES PROVIDED BY NETWORK PARTNERS; (iii) ANY FAILURE BY A NETWORK PARTNER TO CONTACT YOU, APPROVE YOU, FUND A LOAN, OR PERFORM UNDER ANY AGREEMENT; (iv) ANY DISPUTE, TRANSACTION, OR RELATIONSHIP BETWEEN YOU AND ANY NETWORK PARTNER OR OTHER THIRD PARTY. ALL SUCH INTERACTIONS ARE SOLELY BETWEEN YOU AND THE THIRD PARTY, AND YOU ASSUME ALL RISK ASSOCIATED THEREWITH.

Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL LOANWISEIQ, ITS AFFILIATES, OFFICERS, EMPLOYEES, AGENTS, NETWORK PARTNERS, OR MARKETING SERVICE PROVIDERS BE LIABLE TO YOU OR ANY THIRD PARTY FOR: (i) ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES; (ii) DAMAGES FOR LOST PROFITS, LOST DATA, BUSINESS INTERRUPTION, LOSS OF GOODWILL, COMPUTER FAILURE, UNAUTHORIZED ACCESS TO OR LOSS OF PERSONAL INFORMATION; (iii) OR ANY DAMAGES ARISING FROM OR RELATED TO YOUR ACCESS TO, USE OF, OR INABILITY TO USE THIS WEBSITE OR ANY SERVICE OFFERED THROUGH IT, WHETHER BASED ON CONTRACT, TORT, STRICT LIABILITY, OR OTHERWISE—EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. WITHOUT LIMITING THE FOREGOING, THE TOTAL LIABILITY OF LOANWISEIQ FOR ANY CLAIM ARISING OUT OF OR RELATING TO THIS WEBSITE OR THESE TERMS SHALL NOT EXCEED ONE HUNDRED DOLLARS ($100.00 USD), REGARDLESS OF THE FORM OF ACTION.

Jurisdictional Exceptions

SOME STATES OR JURISDICTIONS DO NOT ALLOW THE EXCLUSION OF CERTAIN WARRANTIES OR LIMITATION OF LIABILITY FOR INCIDENTAL OR CONSEQUENTIAL DAMAGES. IF THESE LAWS APPLY TO YOU, SOME OR ALL OF THE ABOVE DISCLAIMERS, EXCLUSIONS, OR LIMITATIONS MAY NOT APPLY, AND YOU MAY HAVE ADDITIONAL RIGHTS. IN SUCH CASES, LIABILITY WILL BE LIMITED TO THE MAXIMUM EXTENT PERMITTED BY LAW.

Indemnification.

As a condition of your access to and use of this Website and/or any services provided by LoanWiseIQ, you agree to indemnify, defend, and hold harmless LoanWiseIQ, its officers, directors, employees, agents, affiliates, subsidiaries, Marketing Service Providers, Network Partners, licensors, and service providers (collectively, the “Indemnified Parties”) from and against any and all claims, demands, liabilities, damages, losses, costs, and expenses, including reasonable attorneys’ fees and legal costs, arising out of or relating to:

• Your use or misuse of the Website or any services provided through the Website;
• Your violation of these Terms and Conditions or any applicable law or regulation;
• Any content or materials submitted, posted, transmitted, or otherwise made available by you through the Website;
• Any misrepresentation, fraud, or negligence by you in connection with your use of the Website;
• Any interaction, transaction, or dispute between you and a Network Partner or any third party arising from your use of this Website.

You agree not to settle any such claim, action, or matter without the prior written consent of LoanWiseIQ. The Indemnified Parties reserve the right, at their sole discretion and at their own expense, to assume the exclusive defense and control of any matter otherwise subject to indemnification by you. In such case, you agree to cooperate fully with the Indemnified Parties in the defense and resolution of such matter. This indemnification obligation will survive the termination or expiration of your use of the Website and any applicable agreements.

Errors and Delays.

You acknowledge and agree that LoanWiseIQ is not liable for any errors, delays, or failures in responding to your inquiry, loan request, or referral submission that result from circumstances beyond our reasonable control. This includes, but is not limited to, incorrect or incomplete information provided by you (such as an invalid email address or phone number), technical malfunctions, outages of internet service providers, system failures, or acts of God. LoanWiseIQ shall not be held responsible for any losses or damages resulting from such errors or delays.

Links to Third Party Websites.

This Website may contain links to third-party websites that are not owned, operated, or controlled by LoanWiseIQ. These links are provided solely as a convenience to you and do not constitute an endorsement, sponsorship, or recommendation by LoanWiseIQ of the third-party website, its content, or any products or services offered therein. You acknowledge and agree that LoanWiseIQ has no control over, and assumes no responsibility for, the content, policies, or practices of any third-party websites. Accessing such third-party sites is done entirely at your own risk, and your use of any third-party websites may be subject to separate terms and conditions and privacy policies imposed by the operators of those sites.

Notice of Claim Requirement.

Before initiating any legal action or arbitration concerning a dispute arising out of your use of this Website or services provided by LoanWiseIQ, you agree to provide us with a written notice of your claim and a reasonable opportunity to resolve the matter. Your notice must include the following: (i) your full name; (ii) your mailing address; (iii) a clear written description of the claim or issue; and (iv) a specific statement of the relief or remedy you are seeking. Please send your notice by email to [email protected].

We will review your notice and attempt to resolve the dispute in good faith within thirty (30) days of receipt. If the matter is not resolved within that timeframe, you may pursue further legal remedies as described in these Terms and Conditions.

Release and Discharge.

By accessing and using this Website, you knowingly and voluntarily release, remise, acquit, and forever discharge LoanWiseIQ, its Marketing Service Providers, its Network Partners, and each of their respective officers, directors, employees, agents, contractors, licensors, licensees, affiliates, suppliers, service providers, and any other related, associated, or affiliated entities (collectively, the “Released Parties”) from any and all manner of claims, demands, actions, causes of action, liabilities, losses, damages, costs, expenses (including reasonable attorneys’ fees), and proceedings of every nature and kind whatsoever (whether known or unknown, suspected or unsuspected, disclosed or undisclosed, in law or in equity) that have arisen or may arise out of, relate to, or are in any way connected with:

• Your access to or use of this Website;
• Your reliance on any content, materials, or services provided through or in connection with this Website;
• Any communications or interactions between you and LoanWiseIQ, its Marketing Service Providers, or Network Partners;
• Any agreement or transaction you enter into with a third party as a result of using this Website.

This release is intended to be as broad and inclusive as permitted by applicable law and shall be governed by and interpreted in accordance with the laws of the United States. If you are a California resident, you expressly waive any rights you may have under California Civil Code §1542.

Dispute Resolution and Binding Arbitration.

Binding Individual Arbitration You agree that any dispute, claim, or controversy arising out of or relating to your use of this Website, the Services, the Content, or these Terms (“Dispute”) shall be resolved solely through final and binding individual arbitration, rather than in court. This arbitration will be administered by the American Arbitration Association (AAA) in accordance with its Consumer Arbitration Rules. The arbitration shall take place in Gwinnett County, Georgia, unless otherwise agreed in writing. The arbitrator(s) shall: (i) apply applicable law without deviation; (ii) make all reasonable efforts to expedite proceedings and minimize discovery; (iii) have exclusive authority to resolve any dispute regarding the interpretation, applicability, enforceability, or formation of this arbitration provision.

• You are waiving your right to a jury trial;
• You may not participate as a plaintiff or class member in any class, representative, or consolidated proceeding.

Each arbitration must be conducted solely on an individual basis.

Jurisdiction and Governing Law

This Agreement shall be governed by the laws of the State of Georgia, without regard to conflict of law principles. If for any reason a Dispute proceeds in court rather than arbitration (such as to confirm or enforce an arbitration award), you consent to the exclusive jurisdiction and venue of the state and federal courts located in Gwinnett County, Georgia, and waive any objections to such jurisdiction or venue.

Time Limit to Initiate a Dispute

Any claim or cause of action you may have arising out of or related to the Website, Services, or Content must be initiated within one (1) year from the date the claim arose or the date on which you reasonably should have discovered it. Otherwise, such claim is permanently barred.

Severability and Entire Agreement

If any provision of this Agreement, including the arbitration clause, is found to be invalid or unenforceable, that provision shall be reformed to the extent necessary to make it enforceable, consistent with the intent of the original provision. Such a finding shall not affect the enforceability of the remaining provisions of this Agreement.

This Agreement, including any referenced policies or additional terms incorporated by reference, constitutes the entire agreement between you and LoanWiseIQ regarding your access to and use of the Website and supersedes any prior or contemporaneous oral or written communications.

You acknowledge that in entering into this Agreement, you are not relying on any representation, warranty, statement, or promise not expressly stated herein, and you waive any claimed reliance on such prior statements.

No Class Action.

To the fullest extent permitted by law, you and LoanWiseIQ agree that any dispute resolution will be conducted solely on an individual basis and not in a class, consolidated, or representative action. You understand and agree that you are waiving your right to participate as a plaintiff or class member in any purported class action, class arbitration, private attorney general action, or other representative proceeding. Any claim you bring must be asserted solely in your individual capacity.

DMCA Notice.

In accordance with the Digital Millennium Copyright Act (DMCA), 17 U.S.C. § 512(c), if you believe that any content on this Website infringes upon a copyright you own or control, you may submit a properly formatted notice of claimed infringement to our designated agent at:

• LoanWiseIQ Email: [email protected]

To be effective, your notice must comply with the requirements of 17 U.S.C. § 512(c)(3). Please note that we may forward your notice (with personal information redacted) to a third-party organization, such as the Chilling Effects Clearinghouse, for publication or annotation purposes.

California Consumer Notice.

Pursuant to California Civil Code Section 1789.3, California users of this Website are entitled to the following consumer rights notice: If you have a complaint regarding the Website or wish to request further information regarding its use, you may contact:

California Department of Consumer Affairs
Consumer Information Division
400 R Street, Suite 1080
Sacramento, CA 95814
Phone: (800) 952-5210 or (916) 445-1254
Email: [email protected].

Entire Agreement.

These Terms of Use, together with the Privacy Policy (incorporated herein by reference), constitute the entire agreement between you and LoanWiseIQ concerning your use of this Website and the services offered. They supersede any and all prior or contemporaneous communications, understandings, or agreements—whether oral, written, or electronic—between you and LoanWiseIQ regarding the subject matter herein.

Miscellaneous.

Section titles and headings in this Agreement are for reference only and have no legal or contractual effect. If you have any questions, concerns, or feedback about these Terms or the services provided, please contact us at: [email protected].

Introduction.

You are visiting a website owned and operated by Loan Wise IQ LLC (“LoanWiseIQ”, “we”, “us”, or “our”). We value your privacy and are committed to protecting the personal information you share with us. This Privacy Policy is designed to inform you about how we collect, use, store, share, and protect your information when you interact with our services and platforms. This Privacy Policy applies to all websites and digital properties owned and operated by LoanWiseIQ, including any branded or affiliated websites where this Privacy Policy is displayed (collectively, the “Site(s)” or “Website(s)”), as well as to all services offered or provided through those Sites (the “Services”), whether you access them via desktop, mobile device, or other means.

By accessing or using the Website or Services, you acknowledge and agree to be bound by the terms of this Privacy Policy. If you do not agree with the terms set forth herein, you must not access or use our Website or Services. This Privacy Policy is incorporated into and subject to our Terms and Conditions, which also govern your use of the Website and Services. We may update this Privacy Policy from time to time in our sole discretion to reflect changes in legal requirements, industry practices, or the functionality of our Services. When we make changes, we will revise the “Last Updated” date at the top of this page. We encourage you to review this page periodically to stay informed about our privacy practices and any modifications. If you have any questions about this Privacy Policy or our data handling practices, please contact us at [email protected].

Information We Collect.

When you use our Website and Services, LoanWiseIQ collects both Personally Identifiable Information (PII) and Non-Personally Identifiable Information (Non-PII) to operate effectively, fulfill requests, enhance security, comply with applicable laws, and improve your overall experience.

Personally Identifiable Information (PII). We may collect information that can identify you as an individual, either directly or in combination with other data. This may include: (i) your full name, (ii) email address, (iii) mailing address, (iv) phone number, (v) date of birth, (vi) Social Security Number (SSN), (vii) driver's license or other government-issued identification number, (viii) employment details such as employer name and job title, (ix) income and payroll information, (x) banking information including routing and account numbers, (xi) credit-related data such as score ranges or inquiries, and (xii) information related to your financial product preferences and history. This information may be provided directly by you through form submissions, or collected through third-party affiliates or service providers with your authorization.

Non-Personally Identifiable Information (Non-PII). We also collect data that does not directly identify you but helps us understand usage patterns and improve our services. This may include: (i) your device type, operating system, and browser version, (ii) IP address and approximate geolocation, (iii) internet service provider details, (iv) timestamps of website visits, (v) referring or exit pages, (vi) on site behavior including page views and duration, (vii) general demographic attributes such as age range or interests (when available), and (viii) interaction data from our emails or advertisements. We collect this information automatically through technologies such as cookies, web beacons, pixel tags, JavaScript, and analytics tools.

Sensitive Information. Certain categories of information we collect—such as (i) your Social Security Number, (ii) bank account credentials, and (iii) government-issued ID numbers—are considered sensitive under applicable privacy laws. We treat this data with enhanced security protocols and limited access controls to ensure confidentiality and integrity.

How We Collect Information.

LoanWiseIQ collects information through several methods based on your interactions with our Website and Services.

Information You Provide Directly. First, we collect personal information you voluntarily provide when submitting an inquiry or engaging with our Services through an online form, phone call, electronic communication, chatbot, or other interactions. This may include (i) contact information such as your name, mailing address, telephone number, and email address; (ii) identifying information including your Social Security number, date of birth, and other similar identifiers; (iii) communications and correspondence such as emails, chat messages, call recordings, and any related documentation involving our Services; and (iv) other information you choose to provide through webforms or other tools.

Information from Third-Party Service Providers. In addition, we collect information from third-party service providers, including (i) credit bureaus, (ii) financial data aggregators, and (iii) other vendors who may have relevant demographic, credit, property, or income-related data necessary for processing your inquiry or helping our Network Partners determine your eligibility.

Information Collected Through Cookies and Tracking Technologies. Lastly, we gather data using cookies and other tracking technologies to improve functionality and enhance your user experience. This data may include (i) your IP address, (ii) browser type and settings, (iii) device type and operating system, (iv) referring URLs and pages visited, (v) date and time stamps of your visit, (vi) clickstream activity, and (vii) other behavioral data collected during your session.

Information Collected Through Automated Means.

When you access or interact with our Services, we may automatically collect certain information about your device, browsing behavior, and usage patterns through technologies such as cookies, pixels, web beacons, software development kits (SDKs), and other similar tools. These technologies help us understand how users engage with our platform, improve functionality, enhance user experience, and tailor content and advertising to be more relevant and effective.

The information collected through these automated methods may include device-specific data, such as your Internet Protocol (IP) address, device type, operating system, browser type, language preferences, screen resolution, and unique device identifiers. In some cases, we may also capture the geolocation of your device when permitted by your browser or device settings. This type of information enables us to detect technical issues, maintain security, and optimize the performance of our Services across different devices and platforms.

Additionally, we collect usage-related information, including the dates and times of your visits, the specific pages or features you access, the amount of time spent on our Website, how you navigate between pages, the referring domain or website that led you to our Services, and other clickstream data related to your session. We may also monitor behavioral patterns on our platform, such as mouse movements, scroll behavior, interaction with webforms, keystroke patterns, and the actions you take in response to emails or notifications sent by us.

These automated tools may operate in conjunction with our third-party service providers, analytics platforms, and advertising partners. Together, this data enables us to personalize your experience, analyze traffic trends, detect potential fraud or misuse, and support internal business and marketing operations. By continuing to use our Services, you consent to the use of these tracking technologies in accordance with this Privacy Policy and applicable law.

Advertising and Analytics.

We use a range of third-party analytics and advertising technologies to better understand who uses our Services, how our Services are accessed and engaged with, and to enhance the performance and relevance of our content and advertising. These tools enable us to measure trends, draw behavioral inferences, and deliver interest-based advertisements that are tailored to your browsing behavior across websites and devices. For instance, we utilize services such as Google Analytics and Meta Pixels to track user interactions and improve functionality and user experience across our platform.

Google Analytics. Helps us understand user engagement, traffic sources, and user journeys on our Website. To learn more about how Google collects and processes data, please visit Google’s Privacy & Terms. You may opt out of Google Analytics tracking by installing the Google Analytics Opt-out Browser Add-on..

Meta Pixels. Enable us to measure the effectiveness of our Facebook and Instagram advertising campaigns and better understand how users interact with our site after seeing our ads. For more information about Meta’s data practices or to adjust your advertising preferences, please visit Meta Ads Settings.

We also engage in interest-based advertising by working with partners including Google, Meta, TikTok, and other advertising networks that use cookies, pixels, web beacons, SDKs, and other tracking technologies to collect data about your interactions with our Website, third-party websites, and mobile applications. This information may include your device identifier, browser type, visited pages, browsing activity across sessions and sites, and engagement with our advertisements. The collected data is used to serve targeted ads and to measure the performance of those ads across different platforms and devices.

You may be able to control certain ad preferences or opt out of interest-based advertising by adjusting your browser settings, limiting ad tracking on your device, or visiting resources like All About Cookies. Additionally, individual ad platforms provide their own tools for managing preferences, including Google Ads Settings, Meta’s Ad Preferences, TikTok’s Privacy Center, and Twitter’s Personalization Settings.

Lastly, we may collect personal information from third-party sources, including credit bureaus, lead generators, social media platforms, our Network Partners, and other data providers. This information may include contact details, demographic data, credit scores or credit history, account or loan-related details, and other consumer or transactional information. We use this information to verify and enhance our internal records, personalize and improve the Services we deliver, perform analytics, and support other business functions outlined in this Privacy Policy.

How We Use Your Information.

We use the information collected through your interactions with our Website, as well as any information you voluntarily provide, to support and enhance the delivery of our Services and to conduct business operations in a lawful and efficient manner. Specifically, we may use your information for the following purposes: (i) to deliver the products, services, and content you request or that may be relevant to your needs; (ii) to personalize and optimize your user experience based on your preferences, behavior, or device characteristics; (iii) to contact you regarding products, services, offers, or promotions that we or our partners believe may be of interest to you; (iv) to communicate with you via email, telephone, SMS/text message, direct mail, or other means—even if your number is listed on a state, federal, or corporate do-not-call registry; (v) to share with third-party lenders, financial institutions, or service providers for purposes of evaluating your eligibility for financial products or related offerings; (vi) to support core business functions such as internal research, data analytics, advertising, and marketing strategy, or to monitor and improve operational performance; (vii) to maintain, develop, and improve our Website’s functionality, design, and security features; (viii) to enhance customer service and support, including responding to inquiries, troubleshooting, and quality assurance; (ix) to comply with applicable laws, regulations, legal processes, or enforceable governmental requests and to safeguard the security and integrity of our systems; and (x) to fulfill any other purposes that were clearly disclosed to you at the time your information was collected or as otherwise permitted by law.

How Do We Share Your Information.

Consent to Receive Communication. By voluntarily submitting your information through our Website or related forms, you expressly consent to receive communications from: (i) LoanWiseIQ; (ii) our Network Partners, including third-party lenders or financial service providers; and (iii) third parties who support our operations—such as email marketing vendors, SMS/text message service providers, direct mail vendors, and web hosting platforms. These communications may be delivered via email, phone, text message/SMS, or other contact methods, even if your contact information appears on a federal, state, or internal “do-not-contact” registry.

Consent to Share Your Information. By using our Services and submitting an inquiry through our Website, you authorize LoanWiseIQ to share your personal information with third-party lenders, financial institutions, and service providers in our network (“Network Partners”) to help deliver the products and services you request. These may include direct lenders, loan matching platforms, or intermediary facilitators that assist in connecting you with suitable financial providers.

Please note: Our Network Partners may use and retain your information according to their own privacy practices—even if you do not complete a transaction with them. We encourage you to review their privacy policies directly. We may update the list of our Network Partners periodically, and we recommend checking this list to stay informed.

Categories of Third Parties With Whom We May Share Your Information.

Network Partners. We disclose personal information to Network Partners to facilitate your loan requests or to present financial offers that may be relevant to you. Their use of your personal data is governed by their individual privacy policies.

Service Providers. We share your personal information with vendors and contractors who perform services on our behalf, such as customer support, website operations, data storage, cloud services, and fraud prevention.

Analytics Providers. We share your information with analytics companies that help us understand how users interact with our Services, optimize performance, and assess marketing effectiveness.

Marketing and Advertising Partners. We may share your information with social media platforms, ad networks, and marketing service providers who assist in serving interest-based ads and tracking campaign performance across platforms and devices.

Government and Legal Disclosures. We may disclose personal information to public authorities and legal entities when required to do so by law, such as in response to subpoenas, court orders, government inquiries, regulatory obligations, or enforcement actions.

Business Transfers. If we are involved in a merger, acquisition, sale of assets, corporate reorganization, bankruptcy, or other change in control, your personal information may be transferred as part of that transaction.

Legal and Security Protections. We may disclose your information to protect our rights, users, systems, or the public, including to: (i) enforce our terms and conditions; (ii) prevent fraud, unauthorized use, or illegal activity; (iii) respond to security incidents or potential threats; and (iv) cooperate with law enforcement or regulatory authorities.

With Your Consent or at Your Direction. We may share your information when you specifically request or authorize us to do so.

Aggregated or De-Identified Information. We may share aggregated, anonymized, or de-identified information that does not directly identify you with third parties for analytics, research, or other lawful business purposes.

How We Protect Your Information.

Retention of Information. By accessing and using this Website, you acknowledge and agree that LoanWiseIQ may retain your personal information for as long as necessary to fulfill the purposes outlined in this Privacy Policy, including for legal, regulatory, business, and operational purposes. Please be aware that any transmission of personal information is done at your own risk.

Security Measures. We are committed to protecting your personal information and use commercially reasonable and generally accepted industry standards to safeguard the data we collect. This includes the use of administrative, technical, and physical security measures designed to protect against unauthorized access, disclosure, or misuse. Sensitive data transmitted through our Website may be encrypted using secure socket layer (SSL) technology or similar encryption protocols.

While we implement measures designed to enhance the security of the information we process and maintain, no method of transmission over the Internet or method of electronic storage is completely secure or error-free. As such, we cannot guarantee the absolute security of your personal information transmitted to or through our Website.

Third-Party Risks and Limitations of Liability. We take reasonable steps to protect your information from unauthorized access or disclosure. However, you acknowledge that security breaches, interception of transmissions, or unauthorized acts by third parties may occur despite our efforts. LoanWiseIQ is not responsible for any unauthorized access to your information that occurs through no fault of our own, including but not limited to technical malfunctions, human error, or malicious acts by third parties.

Third-Party Links.

Our Website may contain links to third-party websites that are not operated or controlled by LoanWiseIQ. These external websites may have separate and independent privacy policies, terms, and data collection practices that differ from our own. We do not endorse, monitor, or assume any responsibility for the content, privacy practices, or activities of any linked third-party websites. We strongly encourage you to review the privacy policies and terms of service of any third-party website before providing any personal information.

Consent to Communicate.

By submitting your personal information through this Website, you expressly authorize LoanWiseIQ and its affiliates to contact you via email, telephone, postal mail, and text message/SMS, even if your number appears on a federal, state, or corporate do-not-call registry. These communications may include marketing messages, service updates, and transactional notices.

If you wish to withdraw your consent to receive marketing communications or to limit our sharing of your information for such purposes, you may submit your request by sending an email to [email protected].

Modifications of Amendments.

We may update or modify this Privacy Policy from time to time to reflect changes in our practices, technologies, legal requirements, or for other operational purposes. If we make material changes, we will notify you by updating the effective date at the top of this Policy and, where required by applicable law, request your explicit consent. We encourage you to periodically review this Privacy Policy to remain informed about how we collect, use, and share your information. Your continued use of the Website after such modifications constitutes your acknowledgment and acceptance of the revised Privacy Policy.

Children Under the Age of 18.

This Website is not directed to, nor intended for use by, individuals under the age of eighteen (18). We do not knowingly collect, solicit, or store personal information from anyone under the age of 18. If we become aware that we have inadvertently collected personal information from a child under 18, we will take reasonable steps to delete such information from our records. If you believe we may have collected personal information from a minor, please contact us immediately.

Your Rights Under the CCPA.

If you are a California resident, you have specific rights concerning your personal information under the California Consumer Privacy Act of 2018 (CCPA) and related laws. This section summarizes the categories of personal information we collect, the purposes for which we collect it, the sources we obtain it from, and the parties with whom we share it.

If you would like to exercise your CCPA rights or have questions about how your information is handled, please contact us at [email protected].

Right to Know. As a California resident, you have the right to request and receive information regarding (i) the categories of personal information we have collected about you in the past 12 months; (ii) the sources from which your personal information was collected; (iii) the business or commercial purposes for which we collected or sold your personal information; and (iv) the categories of third parties with whom we share your personal information.

Additional Privacy Rights. You also have the right (i) to request specific details about the personal information we hold about you; (ii) to request deletion of your personal information, subject to certain exceptions; (iii) to opt out of the sale of your personal information; and (iv) to be free from discrimination for exercising any of these rights. Please note that under the CCPA, you may submit up to two such requests per 12-month period.

Right to Non-Discrimination. We will not discriminate against you for exercising your CCPA rights. Specifically, we will not (i) deny you goods or services; or (ii) provide you with a different level or quality of goods or services, unless otherwise permitted by law.

Alternative Format. If you have a disability that limits your ability to access this notice, please contact us at [email protected].. We will provide this notice to you in an accessible format.

Authorized Agents. California residents may designate an authorized agent to submit CCPA requests on their behalf. We require written authorization to confirm the agent’s authority.

DO NOT SELL MY PERSONAL INFORMATION

Important Notice. If you opt out of the sale of your personal information, please be aware that we may be unable to connect you with loan products or services through our Network Partners. If you wish to opt back in, simply resubmit your request indicating your preference to allow the sale of your information for service delivery.

Your Rights Under Other State Privacy Laws.

In addition to the California Consumer Privacy Act (CCPA), residents of certain other states have specific rights regarding their personal information. Below is a summary of key privacy rights from several states with enacted or emerging privacy laws.

Nevada Privacy Rights. Nevada residents have the right to request that website operators not sell their personal information. If you are a Nevada resident, you may submit a request to opt out of the sale of your personal information by contacting us at [email protected] or following instructions on this Website.

Virginia Consumer Data Protection Act (VCDPA). Residents of Virginia have the right to: (i) access and obtain a copy of their personal data collected by us; (ii) correct inaccuracies in their personal data; (iii) delete personal data we have collected about them, subject to certain exceptions; (iv) opt out of the processing of personal data for targeted advertising or sale purposes; (v) obtain a portable copy of their personal data in a readily usable format To exercise these rights, Virginia residents can contact us at [email protected].

Colorado Privacy Act (CPA). Colorado residents have rights similar to those under the CCPA and VCDPA, including (i) the right to access and correct their personal data; (ii) the right to delete personal data, subject to exceptions; (iii) The right to opt out of the processing of personal data for targeted advertising, sale, or profiling purposes. Colorado residents may submit requests or inquiries regarding their privacy rights by contacting [email protected].

Connecticut Data Privacy Act (CTDPA). Connecticut residents are entitled to: (i) access their personal data; (ii) correct inaccuracies; (iii) delete personal data under certain conditions; (iv) opt out of targeted advertising and profiling based on personal data Requests can be submitted by contacting [email protected].

California Disclosures.

California law requires us to provide certain disclosures to users of this Website regarding privacy practices and information sharing.

Shine the Light Disclosure. Under California Civil Code Section 1798.83, California residents who use this Website have the right to request information about how we share personal information with third parties for their direct marketing purposes. To submit such a request, please contact us at [email protected]. Please note that this provision does not restrict disclosures made for non-marketing purposes.

Do Not Track Disclosures. Pursuant to California Business and Professions Code Section 22575(b), we are required to disclose our practices regarding third-party tracking technologies and whether this Website honors browser “Do Not Track” signals. LoanWiseIQ and our third-party service providers may use tracking technologies, including cookies, pixels, tags, and similar technologies, to collect information about your use of and interactions with this Website. These third-party technologies include services such as Google Analytics and Meta Pixel, which may collect information about your browsing activity, device, interactions with the Website, and other usage information for purposes such as analytics, website optimization, advertising, and measuring the effectiveness of our marketing efforts. LoanWiseIQ does not currently respond to or honor browser “Do Not Track” signals.

Contact Us

If you have any questions or concerns about this Privacy Policy or our data handling practices, please contact us at [email protected]

Some state privacy laws, including the California Consumer Privacy Act, give you the right to opt out of the sale or sharing of your personal information. This notice explains how to use that right with LoanWiseIQ.

What this means

When you submit a loan request, your information is shared with lenders and other Network Partners, and LoanWiseIQ may be compensated. Under some state laws this counts as a "sale." We also use advertising cookies and pixels that may count as "sharing" for targeted advertising.

How to opt out

• Email [email protected] with the subject line "Do Not Sell or Share" and include your name, email address, and phone number so we can locate your information.
• Turn on Global Privacy Control (GPC) in a browser that supports it. We will treat the signal as an opt-out request for that browser.
• You may use an authorized agent to submit a request on your behalf. We may ask for proof of the agent's authority and to verify your identity.

What happens after you opt out

We will stop selling or sharing your personal information going forward, except as needed to provide a service you specifically request. Please note that if you submit a new loan request after opting out, we must share the information in that request with Network Partners to provide the service you asked for. Opting out does not affect information already shared with a lender, which is governed by that lender's privacy policy; contact the lender directly to exercise your rights with them.

No discrimination

We will not deny you service or treat you differently for exercising your privacy rights.

More information

For details on what we collect and how we use it, see our Privacy Policy.

Only a lender or lending partner can provide you with information on their rates and terms. This will typically happen shortly after your loan request is complete, and you are connected with a lender or lending partner. LoanWiseIQ does not make credit decisions or determine rates and terms. Remember, you are under no obligation to accept the loan offer if the terms are not satisfactory for whatever reason.

Repayment

Repayment on personal loans is generally performed either monthly or once every two weeks, depending either on your preferences or your lender's or lending partner’s terms. You may be able to have funds withdrawn automatically from your bank account on the date agreed upon with your lender or lending partner. Be sure that you read and fully understand all policies regarding repayment and understand what you will have to do as a borrower to repay the loan. Your loan cannot be conditioned upon repayment by electronic funds transfer or automatic withdrawal. Consult your lender or lending partner for more details.

Personal Loan Costs

On the whole, the eventual cost of a personal loan will vary a great deal based on factors related to the requester, the state the requester lives in, the lender or lending partner, and the requester's repayment. Other factors that matter are the amount of money that is borrowed, the period of time of the loan and the specific interest rates used. Your credit score may also be taken into consideration.

Standard Personal Loan Terms

While specific terms of personal loans will vary depending on your state, your lender or lending partner and your specific circumstances, below is a general range of common terms.

• Loan amount: $1,000 – $35,000
• Lending period: 60 days - 72 months
• Payment frequency: Once a month or twice a month
• APR: Will vary based on your credit score, repayment history and other factors
• Prepayment penalty: Varies by Lender

You understand and acknowledge that Loan Wise IQ LLC’s (collectively, “LoanWiseIQ”, “us”, “we”, or “our”) Fair and Responsible Lending Policy (hereafter “Policy”) is intended to be read in conjunction with this Website’s Terms & Conditions and Privacy Policy This Policy is created in an effort to provide you with important information regarding your rights as a consumer and practices that may be applicable to our Network Partners. The contents of this Policy is not designed and should not be construed as legal advice. Any inquiries you may have regarding your loan or the presented loan offers should be addressed with the lender directly.

Introduction

LoanWiseIQ is not a lender or party to any loan or other transaction, does not broker loans to lending partners, and does not make loans or credit decisions. We submit the information you provide us to the lending partners in our database who may use a soft credit check to assess your eligibility for a personal loan and may then provide loan offers. LoanWiseIQ is committed to working with responsible lending partners who have policies in place to protect consumers against abusive, misleading, or fraudulent lending practices.

You can learn more about our Network Partners assess your eligibility for a loan in our Terms and Conditions. The loan amount of any loan offer, if one is made, will vary depending on the lender, your creditworthiness, and your state’s laws. There is not guarantee you will be presented with any personalized loan offers, or that upon presentation of any personalized loan offers you will qualify for the rates, fees, or terms shown on this site. If you receive a loan offer from one of our lending partners, it is imperative that you review each lender’s terms and conditions before proceeding with an application for a loan. Please note, that at the point of application with the lending partner, you may be subject to a full credit check.

Commitment to Fair and Responsible Lending Practices

LoanWiseIQ encourages consumers who feel their lender has violated any aspect of the law or regulatory requirements to file a complaint with the Consumer Finance Bureau, or any applicable enforcing agency.

The Equal Credit Opportunity Act (ECOA). ECOA prohibits discrimination based on race or color, marital status, religion, nationality or national origin, gender, age, income derived from public assistance programs, and the applicant’s exercise of any right under the Consumer Credit Protection Act. This Act applies to any extension of credit.

Fair Credit Reporting Act (FCRA). FCRA is intended to promote correctness, fairness, and confidentiality of information in Consumer Reporting Agency files by requiring the agencies to furnish correct and whole information to businesses when a consumer’s information is being evaluated for insurance, credit, or employment. Under the FCRA, consumers have the right to: (i) know the information within their credit file, (ii) be informed if information in their file has been used against them; (iii) dispute incomplete or erroneous data in their file; (iv) receive one disclosure at no cost every 12 months upon request from each nationwide credit bureau and from nationwide specialty consumer reporting agencies; (v) request a credit score from consumer reporting agencies for a fee; (vi) limit access the consumer’s file to people with a valid need for access; and (vii) limit unsolicited offers of credit and be provided with opt out rights of such communication.

The Truth in Lending Act (TILA). TILA is intended to promote knowledgeable use of consumer credit by requiring written disclosures regarding terms, costs and fees of loans before a consumer takes responsibility for the loan. This act additionally provides consumers the right to withdraw from certain credit dealings involving a lien on the consumer’s dwelling, provides a means for just and timely resolve of credit billing disputes and regulates credit card practices. Please note that this act does not mandate the charges that may be imposed for consumer credit. The lenders in LoanWiseIQ’s network are required to provide consumers with clearly written and discernable interest rates, late fees, and any other fees that may be connected with their loan before loan documents are fully executed.

Americans with Disabilities Act (ADA). The ADA prohibits discrimination against qualified individuals by ensuring that these individuals have equivalent access to goods and services offered by private businesses.

APR Disclosure

The Annual Percentage Rate (APR) is the yearly cost of credit, represented as a percentage. The APR includes fees related to originating the loan, not just the interest payments. By law, the lender must show you the APR before you enter into a loan agreement. States have laws limiting the Apr that the lender or partner can charge you. Please read the lender’s terms and conditions before proceeding with a personal loan.

Debt Collection Practices

LoanWiseIQ is not a lender, does not fund loans, and does not engage in any kind of practice related to debt collection. LoanWiseIQ aims to work only with reputable lenders who adhere to fair debt collections practices and guidelines. LoanWiseIQ supports the provisions of the Fair Debt Collection Practices Act (FDCPA) which is enforced by the Federal Trade Commission (FTC). The FDCPA forbids collectors and collection attorneys from using misleading behaviors, harassment, and other unethical practices in an effort to collect debt. The FDCPA additionally stipulates specific hours of the day in which consumers may be contacted. The FDCPA typically does not apply to first party creditors, however, certain states have passed laws similar to the FDCPA that may apply to first party creditors. Some lending partners in LoanWiseIQ’s network may collect their own debts and therefore may be subject to state lending or debt collection regulations. If a lender directly or indirectly violates a debt collection law or regulation, we suggest reporting the violation to the FTC.

Implications of Late Payment and Non-Payment

If you obtain a loan, it is vital that you understand implications that could result from making a payment late or from failing to make a payment. Each lending partner determines their own policy regarding fees that may be charged and/or other consequences from late or non-payments. Consequences can include added charges, negative implications to your credit history and score, collections, and more. We advise you to thoroughly review the payment policies provided in your loan documents before signing so you may understanding the policy and any potential fees or penalties associated with late or non-payments.

State Regulations

LoanWiseIQ has a due diligence process in place to help ensure that our lending partners are abiding by the applicable state and federal regulations. However, LoanWiseIQ is not responsible for any actions conducted from sources outside its control. Individual states may have their own regulations for lending, including laws pertaining to interest rate limitations, rollover terms, fees, loan terms, recession periods, etc. While LoanWiseIQ has policies and procedures in place to ensure the lending partners within our network comply with all federal and state regulations, it is necessary for each consumer to educate themselves about their loan offer prior to considering whether or not to accept the offer. This includes the federal and state laws, rules, and regulations that apply.

Credit Authorization Agreement

You acknowledge, agree, and authorize that LoanWiseIQ, its Network Partners, providers, and respective agents (collectively, “we”, “us”, or “our”) may obtain your credit report from one or more consumer reporting agencies, such as TransUnion, Experian, Equifax, or Clarity. You acknowledge that we may use the credit report for any purpose permitted by law, including:

• (a) To authenticate and verify your identity based on the information you provided;
• (b) To access your eligibility for credit and identify products and/or services you may qualify for;
• (c) To determine your current debt-to-income ratio; and
• (d) To obtain a credit score.

When you check your rates and review loan offers via LoanWiseIQ, we may perform a soft inquiry or hard inquiry on your credit report, which may impact your credit score.