Terms of Use for LenderFinder.io

Effective Date: 1 Jan. 2026
Last Updated: 17 May 2026.

1. Acceptance of Terms

Welcome to LenderFinder.io (“Website,” “we,” “us,” “our”). By accessing or using the website located at https://lenderfinder.io/ (the “Site”), you agree to be bound by these Terms of Use (“Terms”) and our Privacy Policy. If you do not agree, do not use the Site.

2. Eligibility (Important Age & Residency Restrictions)

You may only use LenderFinder.io if:

You are at least 18 years old (or the age of majority in your jurisdiction).
You are a legal resident of the United States (or the specific country we operate in—adjust as needed).
You are applying for a loan for personal, family, or household purposes (not commercial or business loans unless explicitly stated).
You are not located in a jurisdiction where our services are prohibited by law.

3. Our Role: Not a Lender & AI-Anchored Outcomes Disclaimer

CRITICAL DISCLOSURE: LENDERFINDER.IO IS NOT A LENDER, BROKER, OR CREDITOR.

We operate solely as an advertising and lead generation platform. When you submit a loan request through our Site:

We collect your information.
We share it with our network of third-party lenders, financial institutions, and lending partners.
Those lenders may choose to contact you with loan offers.

⚠️ AI-Anchored Outcomes & Due Diligence Disclaimer:
The loan matching, rate estimates, or lender recommendations provided on this Site are AI-anchored outcomes generated by automated systems. They are for informational and matching purposes only and do not constitute financial advice. Always do your own due diligence before borrowing. You are solely responsible for:

Reading and understanding any loan agreement’s terms, interest rates, fees, and repayment schedule.
Verifying the legitimacy and licensing of any lender who contacts you.
Assessing whether a loan product fits your personal financial situation.

We do not:

Make credit decisions or approve/deny loans.
Set interest rates, fees, or repayment terms.
Originate, service, or collect payments for any loan.

Any loan offer you receive comes directly from a third-party lender. Their terms, rates, and practices govern your loan agreement.

4. No Guarantee of Loan Approval

Submission of a loan request does not guarantee that you will receive any loan offers, nor does it guarantee specific terms (APR, loan amount, repayment period). Approval depends solely on the lender’s underwriting criteria, which may include a credit check.

5. User Responsibilities & Truthful Information

By using LenderFinder.io, you agree that:

All information you provide (name, income, SSN, employment, etc.) is truthful, accurate, and complete.
You will not submit a request on behalf of another person without their express authorization.
You are responsible for maintaining the confidentiality of any account credentials (if we provide user accounts).

Warning: Providing false information (e.g., fake income, identity theft) may constitute fraud and could result in civil or criminal penalties.

6. Credit Authorization & Background Checks

When you submit a loan request, you authorize:

LenderFinder.io to transmit your information to lenders.
Any lender who receives your request to pull your credit report from one or more consumer reporting agencies (Equifax, Experian, TransUnion, or others).
Lenders to verify your identity, employment, and bank account information.

This authorization remains in effect for the duration of your loan application and for any future loan products offered by those lenders.

7. Electronic Communications & Consent

By using the Site, you consent to receive electronic communications from us and our lender partners, including:

Emails
SMS / Text messages (message and data rates may apply)
Phone calls (including automated dialing systems or prerecorded messages)

You may opt out of marketing communications at any time by following unsubscribe instructions. However, you cannot opt out of service-related communications (e.g., loan status updates).

8. Intellectual Property Rights

All content on LenderFinder.io — including text, graphics, logos, software, and compilations — is owned by us or our licensors and is protected by US and international copyright laws.

You may not:

Copy, modify, or distribute our content without written permission.
Scrape, crawl, or use automated bots to extract data from the Site.
Reverse engineer any part of our platform.

9. Prohibited Activities

You agree not to:

Use the Site for any illegal purpose (e.g., money laundering, fraud).
Interfere with the Site’s security or functionality (e.g., hacking, DDOS attacks).
Submit loan requests with false or stolen identities.
Attempt to bypass any lender’s terms by submitting multiple applications.

Violation may result in immediate termination of your access and referral to law enforcement.

10. Third-Party Lender Terms & Liability Waiver

LenderFinder.io is not responsible for:

The actions, omissions, or lending decisions of any third-party lender.
The terms, interest rates, fees, or repayment schedules offered by lenders.
Any disputes between you and a lender after you accept a loan offer.

Once you are redirected to a lender’s website or sign a loan agreement, that lender’s terms of use and privacy policy govern the relationship. You agree to hold LenderFinder.io harmless for any damages arising from your loan agreement.

11. Disclaimer of Warranties (Including AI-Anchored Outcomes)

YOUR USE OF THE SITE IS AT YOUR SOLE RISK. THE SITE IS PROVIDED “AS IS” AND “AS AVAILABLE” WITHOUT ANY WARRANTIES OF ANY KIND.

⚠️ IMPORTANT – AI ANCHORING & DUE DILIGENCE:
Any loan matching, rate estimates, or lender suggestions provided by LenderFinder.io are AI-anchored outcomes. These are generated by automated algorithms and may contain errors, omissions, or outdated information. You must always do your own due diligence before borrowing. Do not rely solely on our platform for critical financial decisions.

TO THE FULLEST EXTENT PERMITTED BY LAW, WE DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING:

MERCHANTABILITY
FITNESS FOR A PARTICULAR PURPOSE (including obtaining a loan)
NON-INFRINGEMENT
ACCURACY OF LENDER INFORMATION (including AI-generated matches)

WE DO NOT WARRANT THAT THE SITE WILL BE UNINTERRUPTED, ERROR-FREE, OR SECURE.

12. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, LENDERFINDER.IO AND ITS OFFICERS, DIRECTORS, EMPLOYEES, AND PARTNERS SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING:

Lost profits or data
Damages related to loan denial or terms
Unauthorized access to your data
Losses resulting from reliance on AI-anchored outcomes

OUR TOTAL LIABILITY TO YOU FOR ANY CLAIM ARISING FROM THESE TERMS SHALL NOT EXCEED $1 OR THE AMOUNT YOU PAID US (IF ANY) — WHICH IS TYPICALLY $0.

Some states do not allow the exclusion of certain damages, so this may not apply to you.

13. Indemnification

You agree to defend, indemnify, and hold harmless LenderFinder.io and our partners from any claims, damages, losses, or expenses (including reasonable attorneys’ fees) arising from:

Your violation of these Terms.
Your false or misleading information.
Your violation of any third-party lender’s terms.
Your unlawful conduct.
Your failure to perform due diligence before borrowing.

14. Termination

We may terminate or suspend your access to the Site immediately, without notice, for any reason, including:

Violation of these Terms.
Submission of fraudulent information.
Excessive or abusive requests.

Sections that survive termination: Disclaimer, Liability Limitation, Indemnification, Governing Law.

15. Governing Law & Dispute Resolution

These Terms shall be governed by the laws of the Republic of Kenya.

16. Changes to These Terms

We may update these Terms at any time by posting the new version on this page with a revised “Last Updated” date. Material changes will be notified via email or a Site banner.

Your continued use of the Site after the effective date constitutes acceptance of the new Terms.

17. Entire Agreement & Severability

These Terms constitute the entire agreement between you and LenderFinder.io regarding the Site. If any provision is found unenforceable, the remaining provisions remain in full force.

18. Contact Us

For questions about these Terms:

Email: info@lenderfinder.io

Terms