Please feel free to contact us with any queries or ideas you have! We are always happy to be of assistance.

Welcome to Loansstorage.com. We are committed to being transparent about how our Service works, how we handle your information, and our relationships with Lending Partners and Service Providers. Please read this carefully to understand our practices.

Capitalized terms used herein are defined in Terms of Service.

1. WHO WE ARE

We are not a lender, creditor, or financial institution. We do not make credit decisions, provide loans, or guarantee loan approvals.

We operate in two main capacities:

• We offer to you a free Service that connects you with our Lending Partners and Service Providers within our network who may offer you loan products or related services.
• We collaborate with Lending Partners and Service Providers by offering lead generation and marketing services. In return, we receive compensation for connecting you with them, marketing their services, and sharing your information with them.

This business model enables us to provide our Service to you free of charge, while also generating revenue, improving our Service, and sustaining our operations.

If you are uncomfortable with our Lending Partners and Service Providers processing your information or if you do not wish to receive marketing communications for credit-related products and services, we advise against using our Service.

2. HOW WE FIND YOU A LENDER

When you submit a request on our Site, we share your data with Lending Partners to identify a lender interested in offering you a loan.

Important Notes:

• By submitting your information through our platform, you are making an inquiry to be connected with our Lending Partners. You are not applying for a loan or credit product with us.
• Our Service does not include all lenders or financial products available in the market.

If multiple lenders express interest, our system will likely prioritize the lender offering us the highest compensation for connecting with you.

If no lenders in our network express interest, we may resubmit your information through one of our Lending Partners, who will attempt to match you with lenders again. This increases your chances of finding a lender.

3. THE LENDER WILL REACH OUT TO YOU

Once we identify a Lending Partner interested in offering you a loan, we share your information with them. They may use your information to contact you about loan options and market their services via SMS, email, or phone calls, even if you do not proceed with the loan offer.

To opt out, you will need to follow such lender’s specific instructions provided in their communications.

4. YOU ARE RESPONSIBLE FOR CHECKING LOAN TERMS

As a lead generator, we:

• Do not guarantee loan approval, the best terms, or specific loan conditions.
• All credit and loan decisions are made exclusively by the lenders with whom you are matched.
• Loan terms, rates, and conditions may differ from your initial preferences, and we do not know what terms will be offered to you.

Tribal and Offshore Lenders:

• Some lenders in our extended networks may operate under tribal or offshore jurisdictions and may not comply with state lending laws.
• These lenders often charge higher interest rates and may offer terms that differ significantly from traditional lenders.

We strongly recommend you carefully review and compare loan offers from multiple lenders before making any financial commitments.

5. WE MAY ADVERTISE OTHER FINANCIAL SERVICES

If no lenders are found for your request, we may:

• Redirect you to other websites offering finance-related services, such as debt relief, credit repair, or credit monitoring.
• Use some of your provided information to customize relevant ads for you.
• Request your consumer (credit) report (with your consent) to evaluate your eligibility for certain financial services.

If you click on these ads, including answering any surveys, we may share your contact information with the respective advertisers so they can contact you directly.

These advertisements support our free-to-consumer Service and help find relevant financial products.

Clicking on these ads is not a condition to receive any service, product, or loan approval.

6. WE WILL SEND YOU MARKETING COMMUNICATIONS

By using our Service, you consent to receive ongoing marketing communications via email, SMS, and phone calls from us, our Lending Partners and Service Providers with whom we share your data.

These communications may include promotions, advertisements, and updates about loan or other financial services.

You can opt out of receiving marketing communications at any time, without impacting your ability to connect with a lender or obtain a loan or other advertised services. To stop receiving marketing communications, simply click the unsubscribe link or follow the instructions provided in the marketing communications.

7. WE VALUE YOUR PRIVACY

We handle your data in accordance with applicable privacy laws and our Privacy Policy.

While we strive to ensure the privacy and security of your information, we do not control the privacy practices of third-party entities. We strongly encourage you to review their privacy policies independently.

8. CONTACT US

If you have any questions or concerns about our Marketing Practices disclosure or how your data is handled, please contact us at: contact@Loansstorage.com

Last updated: 01.20.2025

Loansstorage.com streamlines the loan process from start to finish, though we do not lend you money ourselves. This also means we do not make any decisions on your request, we cannot influence the lender’s decision, and we are not privy to information regarding your fees, rates, APR, nonpayment rules, and renewal policy.

This website is an online service that works to put in touch borrowers like you with reliable lenders that are ready to satisfy your current financial needs.

All details, such as fees, rates, APR, nonpayment rules, and renewal policy are specified in your loan agreement and depend on local regulations by state. On our part we provide plenty of information that can help you better understand what a loan is, how it works, and how to use it wisely.

The service works for you for free. We do not bring you to accept the first available offer, allowing you to decline unsuitable options for as long as you are completely satisfied with all terms and conditions. Our activity has a simple goal: meeting our clients’ financial interests. That's just how it has to be.

Once your request is approved, the lender will make you an offer, including the fees and APR, as well as the terms of repayment and loan renewal options, if any. We encourage you to read the agreement carefully and weigh all pros and cons and be fully equipped with the necessary information to not fall in an unpleasant financial situation.

Pay particular attention to non-payments that may result in additional fees, negative impact on your credit score, and even collection activities. In case you have no funds to repay the debt on a due date, immediately contact your lender and discuss ways how to handle the situation.

Some lenders can offer to resort to a loan renewal. Remember that each lender has its own renewal policy, so we recommend that you peruse it before accepting the offer.

If you need more information on your loan agreement, please address all your questions directly to your lender. As far as we are concerned, we are ready to answer only those questions that are relevant to our service.

Disclosures described above are for information purposes only. Do not regard them as legal advice.

We at Loansstorage.com do our best to protect you against unfair lending practices. In order to achieve this goal as effectively as possible, we resort to the following actions:

• We supply you with significant information about the current state of loan industry, details concerning responsible lending and the consequences of non-payments or missed payments;
• We cover these issues in a clear way so you can easily understand important details;
• We treat every customer with respect adhering to transparent relationships;
• We apply energy to provide a high-quality service and support;
• We demand from our partners to abide by Fair Lending practices.

Lending Partners

We work only with those lenders who abide by law and are legally authorized to lend money to consumers. We take every effort to build a network of only reliable partners to ensure that you, our customer, get the services of high quality and risk nothing.

Once you are connected with a financial provider, please check details on that lender so you can ask them questions if any occur.

It’s important to remember that every lender has their own terms and conditions. Interest rates, repayments, late payments, missed payments, and loan renewals vary by lender. To know what to expect, contact your financial provider.

Impact on Credit Score

Information on your financial background is translated into a three-digit score that serves to express your credit worthiness and predict how likely you are to handle the debt in the future. The higher your score, the more chances you have to be approved for a loan with better terms. Things that may negatively affect your credit score are listed below:

• late payments,
• missed payments,
• hard credit check,
• loan renewal.

However, if your credit is less than perfect you still can be approved. All loans are subject to credit approval.

Late Payments

We strongly recommend that you have a responsible attitude to borrowing and take a loan only when you can afford it. It is important to understand the consequences of making late payments. If you make a late payment, you’ll have to pay a fee. We do not possess information on the amount of penalty. It only becomes available when a financial provider reaches you to finalize the loan process.

Always review all the documentation before signing the loan agreement to understand any potential fees that may result from late payment.

If you feel that you can’t repay on time, get in touch with your lender as soon as possible and warn them about your situation.

Please remember that a personal loan is a short-time solution and should not be seen as a tool to cope with major financial struggles.

Missing a Payment

We encourage borrowers to pay off their debt on time. Missing a payment may result in additional fees and collection activities which may negatively affect your credit score. Each lender has their own policy regarding missed payments. We recommend that you thoroughly peruse your loan agreement as it contains all the significant information about lender’s policy towards missed payments.

If you aren’t able to able to repay the loan on the due date, please contact your provider in advance to settle the issue.

Rollovers

Some financial providers offer the opportunity to roll your debt over if you are unable to repay on the due date. Note that renewing a loan is not free: you have to pay a fee to delay the repayment. The fee does not reduce the amount you owe and the rollover payments have the same interest rate as the missed payment.

Types of Renewal Policies

We work with a considerable number of lenders, and each of them has their own renewal policy. Typically, they offer two types of renewals:

• Unlimited renewals. They allow you to renew your debt on numerous occasions and are very expensive decisions.
• Automatic and borrower-initiated renewals. They allow you to renew your debt but on a limited basis.

Collection

In extreme cases when you have a delinquent payment and are reluctant to contact your lender to discuss the issue, they can resort to collection activities. Typically, they inform you about the intention to begin the collection procedure by phone, mail or email. If you still avoid communication, your lender may turn to a collection agency.

The collection practices of a particular lender are stated in the loan agreement. We encourage borrowers to read it carefully to be aware of the lender’s policy regarding the collection practices. For more information, please get in touch with your lender.

Last Updated: 01.20.2025

INTRODUCTION

Welcome to Loansstorage.com (“we,” “us,” “our,” or “Site”). By using this Site and Service, you agree to be bound by these Terms of Service (“Terms”). If you disagree with any part of these Terms, please don't use our Site or Service.

These Terms are a binding agreement between you and us. They explain your rights and responsibilities when you use our Site and Service, along with key disclaimers and limitations of liability.

MODIFICATION OF TERMS

We can change these Terms, including any related Disclosures and policies, at any time. We will notify you of any changes by posting the revised document on the Site, or by other reasonable means. If you continue to use the Site or our Service after we make changes, you accept the updated Terms. Check the "Last Updated" date at the top of each document to see when the Terms were last changed.

PLEASE READ THIS SECTION CAREFULLY

THESE TERMS CONTAIN A BINDING ARBITRATION AGREEMENT AND A CLASS ACTION WAIVER. THESE PROVISIONS REQUIRE YOU TO ARBITRATE ANY DISPUTES OR CLAIMS YOU HAVE WITH US ON AN INDIVIDUAL BASIS. YOU WILL NOT BE ABLE TO PARTICIPATE IN A CLASS ACTION OR MULTI-ARBITRATION. YOU HAVE THE RIGHT TO OPT OUT OF THIS REQUIREMENT.

ELIGIBILITY

Our Service is only for U.S. residents of legal age. By accessing this Site and using our Service, you confirm that:

• You are at least 18 years old, reside in the U.S. and possess the legal capacity to enter into this Agreement.
• You are acting on your own behalf.
• You agree to use our Service solely for personal, non-commercial purposes.

OUR SERVICE DESCRIPTION

Our platform facilitates connections between users seeking loans ("Users") and potential lenders, lender networks (“Lending Partners”) or third-party financial service providers (“Service Providers”). Our platform offers an online application process where Users can submit their personal and financial information to be considered for loan offers (“Service”).

Compensation and Transparency. Our Service is free of charge to you. However, we receive financial compensation from Lending Partners, Service Providers, and other marketers in exchange for connecting you with them, sharing your information with them, and/or marketing their products and services to you.

This compensation allows us to offer our Services at no cost to you and supports our business operations. Please note that the compensation we receive may influence which lenders or services you are connected with, and the visibility of ads.

You are more likely to be connected with the highest bidder(s) or see ads for those who offer the highest compensation.

For more details on how we share your information with Lending Partners, Service Providers, and marketers, and the compensation we receive, please review our Marketing Practices Disclosure.

We also explain the personal information we collect, how we use it, and your rights in our Privacy Policy.

By using Service, you confirm that you have read, understood, and agreed to our Marketing Practices Disclosure and Privacy Policy and acknowledge that they are fair and reasonable.

HOW SERVICE WORKS

To use our Service, you must complete a questionnaire about certain personal and financial details on our Site (“Request Form”). You agree to provide only true, accurate, and complete information and that you will not misrepresent your identity, impersonate any third party, or enter information on behalf of any third party. We are not responsible for verifying the accuracy of the information you provide.

Once you submit your request form(s), we will share your information with one or more Lending Partners.

Lending Partners may review your information to assess whether to respond to your Loan Request by inviting you to apply for a Loan – or to help find a lender willing to accept your Loan Request. This may include verifying your information, performing a credit check. By submitting a Loan Request Form, you authorize Lending Partners to obtain, review, and verify your information, potentially including a credit check, to determine whether to respond to your Loan Request.

If a lender expresses interest in your request, we will connect you with such a lender by either opening a new web page or redirecting you to the lender’s site. At this point our involvement in the loan request ends and your interactions with the lender are governed solely by agreements, terms, policies by such lender and it is your responsibility to review them before entering into any agreement with them.

If no lenders are found for your request, we may present you with marketing for personal finance related products and services (“Financial Services”) offered by third-party service providers (“Service Providers”). Yоu are under no obligation to accept or respond to any loan offers or Financial Services solicitations.

SERVICE DISCLAIMER

Not a Lender:

• We are not a lender, creditor, financial institution, nor are we a representative, broker, or agent of any such entity.
• We do not make credit prequalifications, decisions, or provide loans.
• We neither offer nor solicit to lend.
• Our Site operates as an independent platform, with the primary purpose of connecting you to lenders who may offer loans.

Important Note:

• Lenders participating in our program offer loans ranging from $200 to $5,000, but not all lenders offer the maximum amount.
• We cannot guarantee that any lender will offer you a loan or approve your request. Loan approval depends on the lender's criteria, including your credit score, income, and other financial information.
• We do not make any representations or guarantees about the terms of loans offered by lenders, you may connect with through our Site, including the likelihood of obtaining the best loan terms, certain interest rate or any specific conditions. Rates and terms vary by lender and are outside of our control.
• We do not validate or investigate the licensing, certification or other requirements and qualifications of any lenders. You acknowledge that it is your responsibility to investigate any lender or financial provider before engaging with them.

Service availability:

• Our service is not available in all states.
• Not all lenders within our network operate in all US states. Residents of some US states may not be eligible for loan products in accordance with specific legislation of their state.
• By selecting your state you shall be informed of any limitations regarding obtaining a loan if you reside in individual US states.

You are responsible for your decisions.

Remember that your financial decisions are your responsibility. While we offer a platform for finding you a loan option, we don't take responsibility for the choices or actions you make based on the information we provide.

Key Points to Consider:

• Carefully examine all terms and conditions of any loan or financial service offer.
• Compare multiple options before making a decision.
• Review our Responsible Lending and Rates and Fees disclosures for general guidance.
• Consult qualified financial advisors or professionals for personalized advice tailored to your situation.

The information we provide is intended for general knowledge and isn't a replacement for professional financial advice. We don't take responsibility for any losses, costs, damages, or claims that may result from your use of any lender's or financial provider's services, including any fees they charge. You agree that you're relying on your own judgment and any advice you receive when choosing financial products or services.

YOUR CREDIT REPORT CHECK

To assess your eligibility for a loan, lenders may review your credit report from one or more credit reporting agencies (such as TransUnion, Experian, or Equifax).

Additionally, to offer relevant financial services like debt relief programs, credit monitoring, or credit repair, we or our Service Providers may need to access certain details from your credit report, such as your credit score or total debt amount.

Before you submit your inquiry, we will request your authorization to allow us, our Lending Partners, and Service Providers to access and use your credit information as outlined in our Credit Authorization terms.

ELECTRONIC CONSENT (“E-CONSENT”)

We and our Lending Partners require your consent to conduct transactions electronically, including using electronic signatures and receiving electronic communications, to facilitate your online loan request and enable the provision of an online loan.

By providing your information and submitting a request to be connected with Lenders via our Service you consent to conduct transactions and sign electronic contract documents, including this Agreement, using electronic signatures, as well as receive disclosures, records and other communications electronically in accordance with our E-Consent Terms and Conditions.

You agree that all agreements, notices, disclosures and other communications that we or Lenders provide to you electronically satisfy any legal requirement that such communications be in writing.

CONSENT FOR COMMUNICATIONS

By providing your information and requesting our services, you establish a business relationship with us. This allows us to contact you about our Service for up to 180 days from your last information input or service request, without needing additional consent.

Nevertheless, we may also ask for your consent to receive marketing communications via email, text messages, and phone calls from us, our Lending Partners and Service Providers.

Opt-Out

You have the right to withdraw your consent to receive marketing communications at any time, without impacting your ability to connect with a lender or obtain a loan or other advertised services. To stop receiving marketing communications, simply click the unsubscribe link or follow the instructions provided in the marketing communications.

PROHIBITED USES

You acknowledge and agree to avoid the following activities, which are expressly prohibited, by using our Site and Services:

• Providing false or misleading information, including impersonating another individual or falsely claiming employment with an organization.
• Submitting loan applications on behalf of another individual.
• Attempting to circumvent security measures, including unauthorized access to accounts, testing system vulnerabilities, or breaching security protocols to access restricted information.
• Copying or stealing proprietary materials, including designs, media, graphics, code, and products, with the exception of permitted documents such as this Agreement, Privacy Policy, or other related documentation.
• Utilizing computer programs to collect information from our site, including email addresses or phone numbers for use on our site or other platforms.
• Interfering with site functionality or disrupting other users, including accessing unauthorized information, transmitting viruses, overloading the system, sending spam, or engaging in other disruptive behaviors.
• Utilizing our Site or Services for unsolicited email communications, including promotional emails or advertisements.
• Tampering with email headers or other transmitted information via our Site or Services.
• Attempting to modify, reverse-engineer, decompile, disassemble, or decipher any source code used in the Site or Services.

Engaging in any of these activities may result in suspension of Site and Service access, account termination, and potential legal action.

THIRD-PARTY WEBSITES

Our platform may contain links to external websites, including those of Lending Partners and Service Providers. Your use of any external websites linked from our platform is entirely at your own risk. We do not endorse, control, monitor, or assume any responsibility for the content, practices, or services offered by these third-party websites, including but not limited to those of our Lending Partners and Service Providers. We make no representations or warranties regarding the accuracy, completeness, reliability, legality, or safety of any information, content, or services provided on these external sites.

You are solely responsible for evaluating and verifying the credibility, legitimacy, and suitability of any third-party websites and their offerings before engaging with them. We shall not be liable for any damages, losses, or consequences arising from your use of, or reliance on, any external websites or their content.

Furthermore, please be aware that these third-party websites have their own terms of use, privacy policies, and fee structures. We encourage you to carefully review these policies before using their services. By accessing and using any external websites, you agree to comply with their respective terms and conditions and release us from any liability associated with your interactions with them.

INTELLECTUAL PROPERTY

All content on this Site, including text, images, graphics, logos, and software, is solely owned by us and/or our licensors. Your use of the Site does not grant you ownership rights or licenses to any content, trademarks, or other intellectual property displayed on the Site. We grant you a non-exclusive, limited right to use the Site solely for the purpose of accessing the Services and exercising the rights provided to you under this Agreement.

DISCLAIMER OF WARRANTIES

YOU EXPRESSLY AGREE THAT YOUR USE OF THE SITE AND ANY SERVICES ON THE SITE IS AT YOUR OWN RISK. WE PROVIDE THE SITE AND THE SITE SERVICES ON AN "AS IS" BASIS.

WE EXPRESSLY DISCLAIM ALL WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, INCLUDING THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT.

WE MAKE NO WARRANTY THAT THE SITE OR OUR SERVICES WILL MEET YOUR REQUIREMENTS, OR THAT THEY WILL BE UNINTERRUPTED, TIMELY, SECURE, OR ERROR FREE.

WE MAKE NO WARRANTY AS TO THE RESULTS THAT MAY BE OBTAINED FROM THE USE OF THE SITE, OUR SERVICES OR ANY PRODUCTS OR SERVICES YOU FIND THROUGH OUR SERVICES.

WE MAKE NO WARRANTY AS TO CONFIDENTIALITY OR PRIVACY OF ANY OF USER’S INFORMATION, EXCEPT AS SET FORTH IN OUR PRIVACY POLICY OR REQUIRED BY APPLICABLE LAW.

NO ADVICE OR INFORMATION, WHETHER ORAL OR WRITTEN, OBTAINED BY YOU FROM US ON THE SITE OR ITS SERVICES SHALL CREATE ANY WARRANTY NOT EXPRESSLY MADE HEREIN.

WITHOUT LIMITING THE FOREGOING, YOU ACKNOWLEDGE AND AGREE THAT WE ARE NOT A CREDITOR, BROKER, FINANCIAL SERVICE PROVIDER, OR OTHER SIMILAR SERVICE PROVIDER. YOU ACKNOWLEDGE AND AGREE THAT WE ARE SOLELY AN INTERMEDIARY BETWEEN YOU AND SUCH PROVIDERS AND, THEREFORE, WE EXPRESSLY DISCLAIM ANY AND ALL LIABILITY FOR ANY CONTENT, PRODUCTS OR SERVICES PROVIDED BY SUCH PROVIDERS.

SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OF CERTAIN WARRANTIES, SO SOME OF THE ABOVE EXCLUSIONS MAY NOT APPLY TO YOU.

LIMITATION OF LIABILITY

IN NO EVENT SHALL WE BE LIABLE FOR SPECIAL, INCIDENTAL, OR CONSEQUENTIAL DAMAGES, LOST PROFITS, LOST DATA OR CONFIDENTIAL INFORMATION, LOSS OF PRIVACY, COSTS OF PROCUREMENT OF SUBSTITUTE GOODS OR SERVICES, FAILURE TO MEET ANY DUTY OF GOOD FAITH OR REASONABLE CARE, NEGLIGENCE, OR OTHERWISE, REGARDLESS OF THE FORESEEABILITY OF THOSE DAMAGES OR NOTICE GIVEN TO US, ARISING OUT OF OR IN CONNECTION WITH YOUR USE OF THE SITE OR SERVICES.

This includes, but is not limited to, any disputes, decisions, agreements, or outcomes arising from your interactions or relationships with any lender or third party connected to you through our Site or Services. We are not responsible for loan approvals, terms, repayment obligations, or any other action or inaction by a lender.

OUR MAXIMUM LIABILITY TO YOU UNDER ALL CIRCUMSTANCES SHALL NOT EXCEED $100.00. YOU AGREE THAT THIS LIMITATION REPRESENTS A REASONABLE ALLOCATION OF RISK AND IS A FUNDAMENTAL ELEMENT OF THE BASIS OF OUR AGREEMENT.

Some jurisdictions do not allow limitations on implied warranties or the exclusion of certain damages. If these laws apply to you, some or all of the above limitations may not apply.

INDEMNIFICATION

Without limiting any other indemnification provisions in this Agreement, you agree to defend, indemnify, and hold us harmless (along with our officers, directors, employees, agents, affiliates, representatives, sub-licensees, successors, and assigns—collectively, the “Indemnified Parties”) from and against any and all claims, actions, demands, causes of action, liabilities, damages, costs, or expenses (including legal costs and attorneys’ fees) arising out of or relating to: (a) your breach of this Agreement, including any warranties or representations made herein; (b) Your use of the Site or Services in violation of this Agreement; (c) Disputes, claims, or liabilities resulting from your interactions with any lender, Lending Partner, or third party, including, but not limited to, issues with loan offers, terms, or payments; (d) Your violation or alleged violation of any federal, state, or local laws or regulations (e) Any claim alleging that content or data you provide infringes a third party’s intellectual property rights.

The Indemnified Parties reserve the right to participate in any defense you provide, at their own expense, but are not obligated to do so. You may not settle any claim without the prior written consent of the relevant Indemnified Parties.

GOVERNING LAW

The site, Services, and this Agreement, including without limitation this Agreement's interpretation, shall be treated as though this Agreement were executed and performed in Las Vegas, Nevada and shall be governed by and construed in accordance with the substantive laws of the State of Nevada without regard to its conflict of law principles. ANY CAUSE OF ACTION OR CLAIM BY YOU ARISING OUT OF OR RELATING TO THE SITE, SERVICES OR THIS AGREEMENT MUST BE INSTITUTED WITHIN ONE (1) YEAR AFTER THE CLAIM OR CAUSE OF ACTION AROSE OR BE FOREVER WAIVED AND BARRED. ALL ACTIONS SHALL BE SUBJECT TO THE LIMITATIONS SET FORTH ABOVE. The language in this Agreement shall be interpreted in accordance with its fair meaning and not strictly for or against either party.

MANDATORY AGREEMENT TO ARBITRATE ON AN INDIVIDUAL BASIS ("ARBITRATION AGREEMENT")

PLEASE READ THIS SECTION CAREFULLY – THIS ARBITRATION AGREEMENT MAY SIGNIFICANTLY AFFECT YOUR LEGAL RIGHTS, INCLUDING YOUR RIGHT TO FILE A LAWSUIT IN COURT AND TO HAVE A JURY HEAR YOUR CLAIMS. IT CONTAINS PROCEDURES FOR FINAL BINDING ARBITRATION AND A WAIVER OF ANY AND ALL RIGHTS TO PROCEED IN A CLASS, COLLECTIVE, CONSOLIDATED, OR REPRESENTATIVE ACTION (HEREINAFTER "CLASS ACTION"). ARBITRATION REPLACES THE RIGHT TO GO TO COURT. YOU ARE GIVING UP THE RIGHT TO HAVE A JURY TRIAL TO THE FULLEST EXTENT PERMISSIBLE BY LAW, OR TO FILE OR PARTICIPATE IN A CLASS OR REPRESENTATIVE ACTION SUBJECT TO THE LIMITED EXCLUSIONS BELOW.

You and we each agree to resolve any and all disputes or claims that have arisen or may arise between you and us (including any affiliates, officers, directors, employees, and agents), whether or not such dispute or claim involves a third party, relating in any way to any aspect of our relationship or any contact between us, direct or indirect, or arising out of this or previous versions of these Terms, your use of or access to our Site or services, or any products or services sold, offered, or purchased through our Site or services (“Dispute”) through negotiations and in good faith. If we don’t resolve the Dispute within 60 days you and we each agree to resolve it exclusively through final and binding arbitration.

You and we agree as follows:

(a) To submit the Dispute to a single arbitrator under the then-current Commercial Arbitration Rules of the American Arbitration Association (AAA), including when applicable the Optional Rules for Emergency Measures of Protection and the Consumer Arbitration Rules, or, by separate mutual agreement, at another arbitration institution. The AAA’s rules, information regarding initiating a claim, and a description of the arbitration process are available at www.adr.org. The location of the arbitration and the allocation of fees and costs for such arbitration shall be determined in accordance with the AAA rules. As an alternative, you or we may bring a claim in your local “small claims” court, if permitted by that small claims court’s rules.

(b) The Federal Arbitration Act governs the interpretation and enforcement of this Agreement to Arbitrate, and the arbitrability of the Dispute. The arbitrator will decide whether the Dispute can be arbitrated.

(c) You and we agree that each of us may bring a Dispute against the other only on our own behalf, and not on behalf of a government official or other person or entity, or a class of persons or entities. You and we agree, if we are a party to the proceeding, not to participate in a class action, a class-wide arbitration, a claim brought in a private attorney general or representative capacity, or a consolidated claim involving another person’s use of the Site or our services. You and we agree not to combine a claim that is subject to arbitration under these Terms with a claim that is not eligible for arbitration under these Terms. You and we agree to waive the right to a trial by jury for all disputes.

(d) If the prohibition against class actions and other claims brought on behalf of third parties is found to be unenforceable, then this prohibition will be null and void as to that Dispute.

(e) This Agreement to Arbitrate will survive the termination of your relationship with us.

To the extent permitted under applicable law, all aspects of the arbitration proceeding, and any ruling, decision, or award by the arbitrator, will be strictly confidential for the benefit of all parties.

Unless you and we agree otherwise, if the Agreement to Arbitrate is found by a court to be unenforceable, if your claim is not covered by the Agreement to Arbitrate, or if you neither are a resident of nor have a principal place of business in the US, you agree that any Dispute that has arisen, or may arise, between you and us must be resolved exclusively by a state or federal court located in Clark County, Nevada. You and we agree to submit to personal jurisdiction in such a court.

Notwithstanding any provision in these Terms to the contrary, you and we agree that if we make a change to this Agreement to Arbitrate (other than a change to the notice address or the Site link provided herein) in the future, that change shall not apply to a claim that was filed in a legal proceeding between you and us prior to the effective date of the change. The change shall apply to all other disputes or claims governed by the Agreement to Arbitrate that have arisen, or may arise, between you and us. We will notify you of a change to this Agreement to Arbitrate by posting the amended terms on the Site.

You may opt out of this Agreement to Arbitrate. If you do so, neither you nor we can require the other to participate in an arbitration proceeding. To opt out, you must notify us in writing within 30 days of the date that you first became subject to this arbitration provision. Notice must be provided by email to contact@Loansstorage.com with the subject line “Arbitration Opt-Out.”

MISCELLANEOUS

This Agreement together with all Disclosures, E-Consent and Credit Authorization and any consent, acknowledgement, confirmation, authorization given on our Site constitutes the entire agreement between you and us concerning your use of the Site and Services.

If any part of this Agreement is held invalid or unenforceable, that part will be construed to reflect the parties' original intent, and the remaining portions will remain in full force and effect. A waiver by either party of any term or condition of this Agreement or any breach thereof, in any one instance, will not waive such term or condition or any subsequent breach thereof. This Agreement and all of your rights and obligations hereunder will not be assignable or transferable by you without our prior written consent. This Agreement will be binding upon and will inure to the benefit of the parties, their successors and permitted assigns. You and we are independent contractors, and no agency, partnership, joint venture or employee-employer relationship is intended or created by this Agreement. Except as and to the extent set forth herein, there are no third-party beneficiaries to this Agreement. The headings in this Agreement are for the purpose of convenience only and shall not limit, enlarge, or affect any of the covenants, terms, conditions or provisions of this Agreement.

CONTACT US

Any questions, requests, notices must be sent via email at contact@Loansstorage.com.

It breaks our heart to see you go! But if you've made up your mind and decided that it’s time to say goodbye, please enter your e-mail or phone number in the form below and you'll stop receiving any letters from us.

CONSENT TO ELECTRONIC DISCLOSURES AND COMMUNICATIONS (“E-CONSENT”)

To offer you a loan or other financial services, the Lending Partners or Service Providers need your consent to use and accept electronic signatures, records, and disclosures ("E-Consent").

By submitting a request to be connected with Lending Partners or Service Providers, you agree to this E-Consent. This consent allows us, our Lending Partners and Service Providers, to provide you with information, disclosures, and documents electronically. This E-Consent also outlines your rights to receive electronic records and communications in connection with your use of our services.

Your Consent to Electronic Records. By agreeing to this E-Consent, you are giving your permission to receive all required disclosures, notices, and other communications (“Disclosures”) related to your loan or other services request in electronic format rather than on paper. You also agree to use electronic signatures for any agreements, notices, or forms, and to conduct transactions with us, our Lending Partners or Service Providers that we contact you with electronically.

Scope of Consent. This E-Consent applies to all current and future interactions between you and our Lending Partners and Service Providers, including any communications or transactions conducted on this website, as well as on mobile devices such as smartphones and tablets. By consenting to receive information electronically, you allow our Lending Partners and Service Providers to process your information and interact with you electronically in connection with your loan request. Disclosures may be presented to you on our website, on the lender’s website, or via email.

Option to Receive Paper Copies. You may request paper copies of any Disclosures by directly contacting relevant Lending Partner and Service Provider. They may send these to you, though some may charge a fee. Each Lending Partner and Service Provider will keep a record of Disclosures as required by law.

System Requirements.To access and retain electronic records, you will need:

• A computer, smartphone, or other device with internet access.
• An email account.
• An internet browser with at least 128-bit encryption (e.g., Chrome, Firefox, Safari, or Internet Explorer).
• Software to view PDF files (e.g., Adobe Acrobat Reader).
• A printer or secure storage device if you wish to retain a copy of any electronic records.

If you have questions about these requirements, please contact the third-party lender or lending partner directly.

Withdrawal of Consent. This E-Consent is required to use our lead generation service and connect with lenders or lending partners. It is a one-time transaction for the purpose of your loan request, so you cannot withdraw your consent for our part of the process. If you are matched with a lender or lending partner, you may contact them to withdraw your consent, but doing so could affect your ability to obtain credit from that lender or lending partner.

Withdrawing consent will not affect the legal validity of previous electronic Disclosures or agreements. For more information on withdrawing consent, please contact the relevant Lending Partner or Service Provider directly.

Updating Your Contact Information. It is important to keep your contact information up to date. To ensure you continue to receive electronic communications, please inform the lender or lending partner directly of any changes to your email or physical address.

Confirmation of Your Ability to Access Electronic Disclosures. By agreeing to this E-Consent, you confirm that you have the hardware and software necessary to access and retain the electronic records and Disclosures described above.

Consent to Electronic Disclosures and Communications. By clicking the link or button to agree, you acknowledge that:

• You have read and understood this E-Consent.
• You consent to using electronic records, signatures, and communications.
• You understand that you may request paper copies at any time.
• You are providing E-Consent to conduct transactions electronically as required to complete your loan or other services request with Lending Partners or Service Providers.

If you do not agree to this E-Consent, please do not proceed with submitting your request.

Loansstorage.com does its best to ensure that you, our consumer, are protected against unfair lending practices. In order to achieve this goal, we do the following:

• Provide you with relevant data about loan industry, your responsibility as a borrower, the consequences of loan non-payments or missed payments so that you’re able to make a well-informed decision;
• We provide this information in a clear, understandable way;
• We treat every customer with respect;
• We work hard to give you a high-quality service;
• We demand from the lending partners we work with to abide by Fair Lending practices.

Lending Partners

The policy Loansstorage.com is very simple: we cooperate only with those lenders who abide by law and are legally authorized to lend funds to consumers. We spare no effort to ensure that we work with the best in the industry.

As soon as you get a connection with your lender, make sure to check details on that lender. We recommend to do that so that you’re able to get in touch with the lender if you have questions.

Please note that every lender has his/her own terms and conditions when it comes to interest rates, repayments, late payments, missed payments and/or loan renewals.

Impact on Credit Score

Your credit score serves to express your credit worthiness in a numerical value. It’s based on the credit report data from major credit bureaus.

The following things may affect your credit score:

• late payments;
• missed payments;
• loan rollover;
• a credit check or numerous checks carried out by lenders who are defining your eligibility for a loan product.

Please note that while less than perfect credit will not necessarily prevent you from being able to get a loan, all loans are subject to credit approval.

Late Payments

We encourage all borrowers to treat their loans responsibly and make sure to repay them on time. If you make a late payment, you must understand that you’ll have to pay an additional fee for being late. Each lender has his/her own policy regarding late payments. If you feel that you may be late with your payment, get in touch with your lender to warn about your situation and work a way out of it together.

Always read your loan agreement carefully as it contains all the relevant information about lender’s policy towards late payments.

Please remember that a personal loan is a short-time solution and should not be used to overcome major financial struggles.

Missing a Payment

We encourage consumers to pay all their loans on time. If you miss a payment, your credit score may be hurt and your lender may start the procedure of collecting a debt from you. Each lender has his/her own policy regarding missed payments. Please read your loan agreement carefully as it contains all the relevant information about lender’s policy towards missed payments. If you feel that you aren’t able to repay the loan, contact your lender to warn about your situation and work a way out of it together.

Rollovers

Some lenders may roll your debt over if you are unable to repay the loan on time. However, rollovers come with a price: a missed payment still affects your credit score, and the rollover payments has the same interest rate as the missed payment.

Types of Renewal Policies

We cooperate with a number of lenders and lending partners, and each of them has his/her own renewal policy. However, in general there are two types of renewals:

• Unlimited renewals. They allow you to renew your debt on numerous occasions. Unlimited renewals are a very expensive and risky decision.
• Automatic and borrower-initiated renewals. This type allows you to renew your debt but on a limited basis.

Collection

If you miss a payment and avoid communication with your lender, your has the right to start collecting a debt from you. As a rule, you’ll be informed about the beginning of the collection procedure by phone, mail or email. If you ignore the warnings, your lender may turn to a collection agency for help. You may be able to have funds withdrawn automatically from your bank account on the date agreed upon with your lender or lending partner. The collection practices of a particular lender are stated in the loan agreement. Therefore, make sure to read it carefully. If you have any questions regarding the collection practices, contact your lender.

You provide written instruction under the Fair Credit Reporting Act (FCRA) for us and our Lending Partners to obtain your consumer report (credit report), including debt amount and credit score, from one or more credit reporting agencies (e.g., TransUnion, Experian, Equifax) for the purpose of:

• Authenticating and verifying your identity.
• Evaluating your eligibility for a loan (applicable to Lending Partners only).
• Evaluating your eligibility for financial products or services, such as debt relief programs, credit monitoring services, credit repair, or other related offerings.
• Marketing relevant services to you.

You acknowledge and consent that:

• These credit inquiries may be classified as “soft” or “hard,” depending on the specific lender’s practices, which may affect your credit score.
• Your credit report may be accessed multiple times by us and Lending Partners for the purposes described above.

We do not make loan decisions or conduct any prequalifications for loans. All loan-related evaluations are performed exclusively by Lending Partners.

Your information will be used only as described and shared only with participating Lending Partners or Service Providers in accordance with our Privacy Policy.

You have the right to withdraw this consent at any time by contacting us at contact@Loansstorage.com. However, withdrawing your consent may limit our ability to provide services to you.

Last updated: 01.20.2025