Effective Date: November 29, 2024
1. Acceptance of Terms
By accessing and using the Wise Owl Loans website (WiseOwlLoans.com) and its services, you agree to comply with and be bound by the following Terms and Conditions, along with our Privacy Policy. If you do not agree to these terms, you should not use this website or submit any personal information.
2. Service Description
Wise Owl Loans is a personal loan lead generation website. We connect users with third-party lenders or financial service providers by collecting and submitting your personal and financial information to our partners. We do not offer loans directly but act as a lead referral service. Your submission of personal information through our website constitutes your agreement to have your data shared with our lending partners.
3. Information You Provide
You agree to provide accurate, truthful, and complete information when filling out any forms or submitting data through Wise Owl Loans. You understand that providing false or incomplete information may impact your ability to receive loan offers or referral services.
4. Third-Party Lenders
Wise Owl Loans works with third-party lenders who may contact you with offers based on the information you provide. By submitting a loan request, you consent to having your personal information shared with these third-party lenders. You are solely responsible for reviewing their terms and privacy policies. We do not control how these lenders use your information.
5. No Guarantee of Loan Approval
Wise Owl Loans does not guarantee loan approval or any specific loan terms. The offers you receive are determined solely by the third-party lenders based on their criteria. We do not perform any credit checks, but lending partners may conduct a hard inquiry on your credit report if you proceed with an application.
6. Use of the Website
You agree to use Wise Owl Loans only for lawful purposes. You may not use the website for any illegal, fraudulent, or abusive activities, including submitting false information or attempting to harm the website’s functionality.
7. Privacy and Data Use
By using our services, you consent to the collection, use, and sharing of your personal information as described in our Privacy Policy. Please review the Privacy Policy carefully to understand how your data is managed and shared.
8. Limitations of Liability
Wise Owl Loans is not liable for any damages or losses incurred through the use of this website, including but not limited to, errors in the information provided, loan approval, loan terms, or any dealings with third-party lenders. We make no warranties or representations regarding the quality or suitability of any loan offers.
9. Termination of Access
We reserve the right to suspend or terminate your access to the website at any time, without notice, for any reason, including if you violate these Terms and Conditions.
10. Changes to Terms and Conditions
We may update or revise these Terms and Conditions at any time. Any changes will be posted on this page, and the effective date will be updated. By continuing to use the website, you agree to be bound by the updated terms.
11. Governing Law
These Terms and Conditions are governed by the laws of the State of [Your State], without regard to its conflict of law principles.
12. Contact Information
If you have any questions or concerns regarding these Terms and Conditions, please contact us at [email protected]