Loan Fixer Terms of Service
1. Acceptance of Terms
By accessing or using the Loan Fixer website – loanfixer.io, or services, you agree to abide by these Terms of Service and all applicable laws. If you do not agree to these Terms, you are prohibited from using or accessing the Services. Loan Fixer reserves the right to update or modify these Terms at any time, and continued use after changes constitutes acceptance of the updated Terms.
2. Eligibility and Use of the Services
You must be at least 18 years old and have the legal capacity to enter into a binding contract to use Loan Fixer’s Services. By using the Services, you represent and warrant that:
- You meet the age and eligibility requirements.
- You will provide accurate, complete, and truthful information.
- You are using the Services for personal, non-commercial purposes only.
Loan Fixer reserves the right to restrict or terminate access if any information provided is false, misleading, or incomplete.
3. Account Registration and Security
To access certain features, you may be required to create an account. You agree to:
- Maintain the confidentiality of your account credentials.
- Notify Loan Fixer immediately of unauthorized use or security breaches.
- Accept responsibility for all activities occurring under your account.
Loan Fixer is not liable for losses arising from unauthorized use of your account due to failure to protect your credentials.
4. Intellectual Property Rights
Loan Fixer owns all proprietary content and intellectual property on its platform, including but not limited to:
- Text, graphics, logos, trademarks, and software.
- Service features and website design.
You may not copy, modify, distribute, or create derivative works from Loan Fixer’s content without prior written permission.
5. License and Restrictions
Loan Fixer grants you a limited, non-exclusive, revocable license to use its Services for personal use. However, you may not:
- Use the Services for any commercial or unauthorized purposes.
- Reverse-engineer, modify, or disassemble any part of the platform.
- Attempt to gain unauthorized access to Loan Fixer’s systems or data.
Violation of these terms may result in suspension or termination of your access.
6. Prohibited Conduct
You agree not to engage in the following prohibited activities:
- Submitting false, misleading, or fraudulent information.
- Impersonating another person or entity.
- Violating applicable laws or infringing on intellectual property rights.
- Introducing malicious software or attempting to disrupt the Services.
- Engaging in any activity that compromises the security or integrity of Loan Fixer.
Loan Fixer reserves the right to investigate violations and take necessary legal action.
7. Third-Party Links and Services
The Services may contain links to third-party websites, advertisements, or services that are not owned or controlled by Loan Fixer. Loan Fixer is not responsible for the content, privacy policies, or practices of third-party websites. Your use of such links is at your own risk, and you acknowledge that Loan Fixer is not liable for any damages resulting from interactions with third-party sites.
8. Consent to Communications
By using the Services, you consent to receive:
- Electronic communications related to your account and transactions.
- SMS messages and phone calls for notifications, promotional offers, and service updates. You may opt out of marketing communications by following the instructions provided, but transactional communications are required to continue using the Services.
9. User Submissions and Feedback
If you submit feedback, suggestions, or content to Loan Fixer, you grant Loan Fixer a perpetual, irrevocable, royalty-free license to use, modify, and distribute such content without obligation. Loan Fixer reserves the right to monitor, remove, or edit content submitted by users.
10. Privacy and Data Collection
Loan Fixer’s Privacy Policy explains how user data is collected, stored, and used. By using the Services, you agree to Loan Fixer’s data practices as outlined in the Privacy Policy.
11. Indemnification
You agree to indemnify, defend, and hold harmless Loan Fixer, its affiliates, directors, and employees from any claims, damages, liabilities, and expenses arising from:
- Your use of the Services.
- Violations of these Terms.
- Infringement of third-party rights.
12. Disclaimer of Warranties
The Services are provided “as is” and “as available” without warranties of any kind, whether express or implied. Loan Fixer disclaims all warranties, including but not limited to:
- Merchantability or fitness for a particular purpose.
- Non-infringement or uninterrupted service.
Loan Fixer makes no guarantees regarding the accuracy, reliability, or availability of the Services.
13. Limitation of Liability
To the maximum extent permitted by law, Loan Fixer and its affiliates shall not be liable for:
- Any indirect, incidental, or consequential damages.
- Loss of data, revenue, or profits.
- Service interruptions, errors, or security breaches.
In no event shall Loan Fixer’s total liability exceed $200 or the amount paid by you, whichever is lower.
14. Arbitration and Dispute Resolution
Binding Arbitration: You agree to resolve all disputes arising from these Terms through binding arbitration, conducted under the rules of the American Arbitration Association.
Class Action Waiver: You waive the right to participate in any class action, collective, or representative proceeding.
15. Termination and Suspension
Loan Fixer may, at its discretion, suspend or terminate your account or access to the Services if:
- You violate these Terms.
- You engage in prohibited conduct.
- Required by applicable laws.
Termination does not affect accrued rights or obligations.
16. Modifications to the Services
Loan Fixer reserves the right to modify, suspend, or discontinue any part of the Services at any time without notice. Loan Fixer is not liable for any consequences resulting from such modifications.
17. Governing Law and Jurisdiction
These Terms are governed by the laws of the State of New York, without regard to conflict of law principles. Any disputes arising under these Terms shall be resolved exclusively in the courts located in Brooklyn, New York.
18. Force Majeure
Loan Fixer is not liable for delays or failure to perform due to causes beyond its reasonable control, including natural disasters, government actions, and network failures.
