Terms of Service
These Terms of Service (“Terms”) govern your access to and use of the website operated by Private Lender Online (“we,” “us,” or “our”).
By accessing or using this website, submitting information, interacting with our chatbot, or requesting services, you agree to be bound by these Terms. If you do not agree, do not use the website.
1. Nature of the Service
Private Lender Online is an informational and connection platform. We provide educational content and facilitate introductions between users and third-party lenders, funding providers, and credit-related service providers.
We are not a bank, lender, credit bureau, broker-dealer, legal advisor, tax advisor, or financial advisor. We do not issue loans, extend credit, make underwriting decisions, or guarantee funding outcomes.
2. No Guarantees or Assurances
Any examples, ranges, funding amounts, leverage levels, credit limits, or references to “100% financing,” “0% intro APR,” or similar terms are for informational purposes only.
- All approvals are subject to third-party lender or issuer criteria
- Terms, rates, limits, and availability vary
- Results depend on your profile, documentation, and market conditions
Past outcomes do not guarantee future results.
3. User Responsibilities
By using this site, you agree that:
- Information you provide is accurate and truthful to the best of your knowledge
- You will not submit false, misleading, or fraudulent information
- You understand that funding and credit decisions are made by third parties
- You are responsible for reviewing all terms provided by lenders or service providers
4. Credit, Financial & Legal Disclaimers
Information provided on this website does not constitute legal, tax, accounting, or financial advice.
You acknowledge that:
- Credit products may affect personal or business credit
- Misuse of credit can result in financial loss
- You are solely responsible for repayment obligations
- You should consult qualified professionals before making financial decisions
5. Third-Party Services & Affiliates
Private Lender Online may refer users to third-party services, programs, or educational resources. Some relationships may involve referral or affiliate arrangements.
We do not control and are not responsible for:
- Third-party decisions, approvals, or denials
- Accuracy of third-party representations
- Changes to third-party terms or pricing
- Performance or outcomes of third-party services
6. Chatbot & Automated Interactions
This website may use automated tools, including chatbots, to collect information and provide general guidance.
Chatbot interactions are informational only and do not constitute professional advice or a binding offer.
7. Intellectual Property
All content on this website—including text, graphics, logos, layout, and design—is the property of Private Lender Online or its licensors and is protected by intellectual property laws.
You may not copy, reproduce, distribute, or exploit any content without written permission.
8. Limitation of Liability
To the maximum extent permitted by law, Private Lender Online shall not be liable for any direct, indirect, incidental, consequential, or punitive damages arising from:
- Use or inability to use the website
- Funding or credit decisions by third parties
- Reliance on information provided
- Errors, interruptions, or delays
9. Indemnification
You agree to indemnify and hold harmless Private Lender Online from any claims, losses, liabilities, or expenses arising from your use of the website, violation of these Terms, or misuse of third-party services.
10. Termination of Access
We reserve the right to suspend or terminate access to the website at any time, without notice, for conduct that violates these Terms or is otherwise harmful.
11. Governing Law
These Terms are governed by and construed in accordance with the laws of the United States and the state in which Private Lender Online operates, without regard to conflict-of-law principles.
12. Changes to These Terms
We may update these Terms from time to time. Continued use of the website after changes are posted constitutes acceptance.
13. Contact Information
If you have questions about these Terms, please contact:
Private Lender Online
Email: [email protected]
Effective Date: January 1, 2025