Welcome to Money Mate Loans. By using our website or any of our services, you agree to the following terms. Please read them carefully to understand your rights and responsibilities.

1.Acceptance of Terms

By accessing or using Money Mate Loans, you agree to these Terms & Conditions. If you do not agree with any part of these terms, you must immediately stop using our site and services.

2.Our Role

Money Mate Loans is not a lender. We act as a referral service that connects consumers with third-party lenders and financial service providers. We do not make credit decisions, set loan terms, or issue funds.

All loan details, including approval, rates, fees, and terms, are determined by the lenders. You are not obligated to accept any offer you receive.

3.Use of Your Information

When you submit your personal details such as your name, address, or employment status, you authorize us to share that information with our lending partners. These partners may use your information to assess your eligibility, including running credit checks with authorized bureaus.

4.Consent to Electronic Communication

By using our services, you agree to receive communications from us and our partners electronically. This includes emails, text messages, and phone calls about your application, loan offers, and promotional content. You may request physical copies of documents, but by default, all official communications will be digital.

5.Marketing and SMS Consent

By providing your contact information, you consent to receive promotional emails and SMS messages from Money Mate Loans and its partners. Message and data rates may apply depending on your mobile plan. You can opt out at any time by following the instructions in the message. This consent overrides any Do Not Call registrations.

6.Cookies and Tracking

We use cookies and similar technologies to improve your browsing experience, analyze site traffic, and measure the effectiveness of our marketing efforts. These tools may collect non-personally identifiable information such as browser type, page visits, and time spent on the site. This data may be shared with marketing partners to provide more relevant services.

7. No Endorsements or Guarantees

We do not endorse any specific lender or loan product. All terms and decisions regarding loans are made by the lenders themselves. We do not guarantee that you will be approved or offered specific rates or terms.

8.Limitation of Liability

Money Mate Loans is not liable for any damages resulting from your use of this website or from dealings with third-party lenders. Services are provided as-is without any warranties. Your use of the site is at your own risk.

9. Indemnification

You agree to indemnify and hold harmless Money Mate Loans, its employees, partners, and affiliates from any claims, damages, or legal expenses resulting from your use of the site or any violation of these terms.

10.Third-Party Websites

We may include links to external websites for your convenience. We are not responsible for the content, privacy policies, or accuracy of those websites. Any transactions or agreements made on third-party sites are strictly between you and that provider.

11. Legal Use

You confirm that all information you provide is accurate and lawful. You agree to use this website only in compliance with applicable local, state, and federal laws.

12.Dispute Resolution and Arbitration

If a dispute arises, you agree to resolve it through binding arbitration under the rules of the American Arbitration Association. This means you waive your right to sue or participate in class actions. You may opt out of arbitration within 30 days by notifying us in writing.

13. Class Action Waiver

You agree not to participate in any class action lawsuits or collective legal actions against Money Mate Loans. All disputes must be resolved individually unless you opt out of this clause.

14. Updates to These Terms

We may update these terms at any time. The updated version will be noted by a new revision date. Continued use of the site means you accept the updated terms.

15. Governing Law

These terms are governed by the laws of the United States, regardless of any conflict of law provisions.