Terms & Conditions

Welcome to Loanable. By accessing or using our services, you agree to be bound by these Terms of Service. Please read them carefully.

1. Acceptance of Terms

By accessing our website or submitting a loan application, you agree to these Terms of Service and our Privacy Policy. If you do not agree, please do not use our services.

2. Description of Services

Loanable operates as a lending marketplace that connects small businesses with lending partners. We are not a direct lender. Our role is to:

• Collect and process loan applications
• Match applicants with potential lenders
• Facilitate communication between parties
• Provide tools and resources to help you make informed decisions

3. Eligibility

To use our services, you must:

• Be at least 18 years old
• Be a legal resident of the United States
• Have a valid business or business idea
• Provide accurate and truthful information
• Have the authority to bind your business to these terms

4. User Responsibilities

You agree to:

• Provide accurate, current, and complete information
• Maintain the security of your account credentials
• Not use our services for any illegal purpose
• Not attempt to interfere with our systems or security
• Not impersonate any person or entity
• Notify us immediately of any unauthorized use of your account

5. Application Process

By submitting an application, you authorize us to:

• Share your information with lending partners in our network
• Perform credit checks (soft or hard inquiries as disclosed)
• Verify the information you provide through third-party sources
• Contact you regarding your application via phone, email, or text

6. No Guarantee of Funding

Submitting an application does not guarantee loan approval or funding. Lending decisions are made solely by our lending partners based on their individual criteria. Loanable does not make lending decisions and cannot guarantee any specific outcome.

7. Intellectual Property

All content on our website, including text, graphics, logos, images, and software, is the property of Loanable and is protected by copyright and trademark laws. You may not:

• Copy, modify, or distribute our content without permission
• Use our trademarks without written authorization
• Reverse engineer any of our technology

8. Limitation of Liability

Loanable is not liable for:

• Decisions made by lending partners
• Terms or conditions of any loan you receive
• Any indirect, incidental, or consequential damages
• Actions of third parties, including lenders
• Service interruptions or technical issues

Our total liability to you for any claims arising from your use of our services shall not exceed the amount you paid us, if any, in the past 12 months.

9. Modifications

We reserve the right to modify these Terms at any time. We will notify users of material changes by posting the updated terms on our website with a new "Last Updated" date. Continued use of our services after changes constitutes acceptance of the new Terms.

10. SMS/Text Messaging Terms & Conditions

Loanable USA SMS Program

By opting in to the Loanable USA SMS Program, you consent to receive text messages from Loanable USA regarding your loan application, application status updates, funding offers, appointment reminders, and other communications related to our services.

Message Frequency

Message frequency varies. You may receive up to 10 messages per month depending on your application status and account activity. Message frequency will depend on your interactions with our platform, the status of your application, and any ongoing communications related to your funding.

Opt-In & Consent

By providing your phone number and opting in, you expressly consent to receive recurring automated text messages from Loanable USA at the mobile number you provided. Consent is not a condition of purchase or service. You may opt in by:

• Submitting a loan application with your mobile number
• Texting a keyword to our short code or phone number
• Providing verbal or written consent through our website or representatives

Opt-Out Instructions

You can opt out of receiving text messages at any time by texting STOP to any message you receive from us. After you send STOP, you will receive a one-time confirmation message, and no further messages will be sent unless you opt in again.

Help & Support

For help or more information about our SMS program, text HELP to any message you receive from us, or contact us directly:

• Email: apply@loanableusa.com
• Phone: (888) 816-2682
• Website: https://loanableusa.com

Supported Carriers

Our SMS program is supported by all major U.S. mobile carriers, including but not limited to AT&T, Verizon, T-Mobile, Sprint, U.S. Cellular, and other participating carriers. Carriers are not liable for delayed or undelivered messages.

Privacy

Your phone number and opt-in data will not be shared with or sold to third parties or affiliates for marketing or promotional purposes. Your information will only be used to send you messages related to the Loanable USA SMS Program as described above and in our Privacy Policy.

11. Governing Law

These Terms are governed by the laws of the State of New York, without regard to conflict of law principles. Any disputes shall be resolved in the courts of New York County, New York.

12. Contact Information