Terms of Use

Simpleloans4u

Effective Date: April 10th. 2026

Welcome to Simpleloans4u. These Terms of Use (“Terms”) govern your access to and use of our website, services, and communications. By using our website, you agree to be bound by these Terms.

1.   Eligibility

To use our services, you must:

• Be at least 18 years of age
• Be a resident of the United States
• Provide accurate and truthful information

By using our website, you represent and warrant that you meet these requirements.

2.   Nature of Services (Broker Disclosure)

Simpleloans4u is a loan broker, not a lender.

• We do not originate, fund, or make loans
• We connect users with independent third-party lenders and financial service providers
• We do not guarantee approval, rates, or terms

All lending decisions are made solely by the third-party lenders.

3.   Loan Application & Authorization

By submitting your information:

• You authorize us and our lending partners to verify your information
• You consent to potential soft or hard credit inquiries, where permitted by law
• You confirm that all information provided is accurate and complete

Providing false or misleading information may result in denial of services.

4.   No Guarantee of Approval

We do not control:

• Loan approval decisions
• Interest rates or repayment terms
• Underwriting criteria

Each lender operates independently and retains full authority over the loan process.

5.   Loan Terms Subject to Change

Loan programs, requirements, and qualifications:

• May change at any time without notice
• Are determined solely by lenders

You are encouraged to consult with financial and legal professionals before making borrowing decisions.

6.   Fees and Charges

• Our service is free to use for consumers
• Lenders may charge fees, interest, or other costs

All such terms will be disclosed by the lender prior to acceptance.

7.   SMS, Calls & Electronic Communications (TCPA Compliance)

By submitting your information, you expressly consent to receive:

• Calls, SMS/text messages, and emails from Simpleloans4u and its partners
• Communications via automated dialing systems, prerecorded messages, or AI- generated voice technology

Important:

• Consent is not required to obtain services
• Message frequency varies
• Message and data rates may apply

Opt-Out:

• Reply STOP to unsubscribe from SMS
• Reply HELP for assistance
• Or contact us directly

8.   Intellectual Property

All website content—including text, graphics, logos, and software—is the property of

Simpleloans4u and protected by copyright and intellectual property laws. You may not:

• Copy, reproduce, or distribute content
• Modify or create derivative works
• Use our content without written permission

9.   Prohibited Uses

You agree not to:

• Use the site for unlawful, fraudulent, or deceptive purposes
• Submit false or misleading information
• Interfere with website functionality or security
• Upload malicious code (viruses, malware, )
• Harass, abuse, or harm others

10.   Third-Party Services

We may connect you with third-party lenders or services. We are not responsible for:

• Their decisions, terms, or actions
• Their privacy practices or policies

Your interactions with third parties are at your own risk.

11.   Disclaimer of Warranties

Our website and services are provided “as is” and “as available.”

We make no warranties, express or implied, including:

• Accuracy or completeness of information
• Availability or reliability of services
• Fitness for a particular purpose

12.   Limitation of Liability

To the fullest extent permitted by law, Simpleloans4u shall not be liable for:

• Direct, indirect, incidental, or consequential damages
• Loss of data, income, or opportunity
• Decisions made by lenders or third parties Your use of our services is at your own risk.

13.   Indemnification

You agree to defend, indemnify, and hold harmless Simpleloans4u, its owners, affiliates, and partners from any claims, damages, or liabilities arising from:

• Your use of the website
• Your violation of these Terms
• Your submission of false or misleading information

14.   Arbitration & Dispute Resolution

Any disputes arising from these Terms shall be resolved through:

• Binding arbitration in the State of Florida
• On an individual basis only (no class actions)

You waive the right to a jury trial or participation in class actions to the fullest extent permitted by law.

15.   Governing Law

These Terms are governed by the laws of the State of Florida, without regard to conflict of law principles.

16.   Changes to These Terms

We may update these Terms at any time. Updates will be posted on this page.

Your continued use of our website constitutes acceptance of the revised Terms.

17.   Contact Information

If you have questions about these Terms, please contact us:

Simpleloans4u

*Email: info@simpleloans4u.com

*Phone: 786-439-6046

18.   Entire Agreement

These Terms, together with our Privacy Policy, constitute the entire agreement between you and Simpleloans4u regarding your use of our services.