Last updated 9 April 2025
These Terms and Conditions govern your access and use of the Clear Credit Online website and loan connection service (collectively referred to as “the Service”). Clear Credit Online is referred to as “the Service” or the Company” from hereinafter.
Terms & Conditions and Terms of Use
By using the Service, you agree to comply with and be legally bound by the terms outlined below. Please read these terms thoroughly. If you do not agree to these terms, you must refrain from accessing or using the Service. The Service is provided by the Company.
Services and Products offered
You understand and acknowledge that the Company is not a lender, nor does it provide the loans or financial products featured on this Service. Any products or services offered after you have secured a loan are the responsibility of the respective vendors or service providers.
You further understand that submitting your information does not guarantee that you will be connected with a lender or receive the full loan amount requested. You are under no obligation to accept any loan offer presented by a lender.
Acceptable Website Use
You are permitted to use our Website for the following purposes:
- Informational Purposes: To learn about our services and how we help connect consumers with potential lenders and/or service providers.
- Submitting Inquiries: To provide your information through our forms for the potential of being connected with relevant lenders and/or service providers.
- Reviewing Provided Content: To view and access the text, images, videos, and other content made available on the Website for your personal, non-commercial use.
Prohibited Conduct
When using our Website, you agree that you will not engage in any of the following activities:llegal Activities: Using the Website for any purpose that is unlawful, fraudulent, or prohibited by these Terms and Conditions or applicable law.
- Interference with Website Operation: Attempting to disrupt, damage, disable, overburden, or impair the proper functioning of the Website, its servers, or networks. This includes but is not limited to: Introducing viruses, worms, malware, or other harmful code.Engaging in denial-of-service attacks. Attempting to gain unauthorized access to any portion of the Website, its systems, or other users’ accounts.
- Submitting False Information: Providing inaccurate, misleading, or false personal information through any forms on the Website.
- Data Scraping or Unauthorized Extraction: Using any automated means (including but not limited to robots, spiders, scrapers) to access, collect, or extract data from the Website without our express written permission.
- Circumventing Security Measures: Attempting to bypass or circumvent any security features or access controls implemented on the Website.
- Commercial Use Without Authorization: Using the Website or its content for any commercial purpose not expressly permitted by us in writing. This includes but is not limited to advertising or soliciting other users.
- Impersonation: Impersonating any person or entity, or falsely stating or otherwise misrepresenting your affiliation with any person or entity
Credit Authorization
You agree and authorize the Company to obtain consumer and related information about you from consumer reporting agencies for the purpose of connecting you with lenders or service providers. Your data may be transmitted to lenders or service providers on your behalf for the purposes of verifying your identity and assessing your financial status, including your debt-to-income ratio. Lenders or service providers may obtain further consumer reports from agencies like TransUnion, Experian, or Equifax to make credit decisions.
Data Security
While we take every precaution to protect your personal information, we cannot guarantee that it will be free from interception or decryption by unauthorized parties. We are not responsible for any breach of security in this regard.
Use of Cookies
This Service employs cookies and web server logs to collect data regarding your use of the Service, such as your visit times, viewed pages, and referral sources. This information is anonymized and not personally identifiable. Cookies are small data files stored by your web browser to enhance your user experience, streamline your interactions, and facilitate commercial transactions on the site.
Service Use
The Service is provided to you at no cost. However, we may receive compensation from third-party suppliers for goods, services, or facilities we offer under separate agreements. Such compensation may or may not be connected to your use of the Service. By using the Service, you accept the terms of these compensation arrangements, irrespective of their relevance to your interaction with the Service.
Limitation of Liability and Disclaimer of Warranties
THE SERVICE, INCLUDING ALL ASSOCIATED INFORMATION, SOFTWARE, PRODUCTS, AND SERVICES, IS PROVIDED “AS IS” AND WITHOUT ANY WARRANTY. The Company DISCLAIMS ALL EXPRESS OR IMPLIED WARRANTIES, INCLUDING BUT NOT LIMITED TO WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, OR NON-INFRINGEMENT. The Company makes no guarantees as to the outcomes that may result from using the Service or any information, software, products, or services obtained through it. Your use of the Service is at your own risk. The Company and its affiliates, lenders, advertisers, or other service providers are not liable for any direct, indirect, incidental, consequential, special, or punitive damages arising from your use of the Service, including delays, interruptions, or errors in using the Service. Some jurisdictions do not permit the limitation of liability for certain damages, so these disclaimers may not apply to you.
Third Party Links
The Company is not responsible for the content of any off-site pages or any other sites linked to the Site. Your linking to any other off-site pages or other sites is at your own risk.
Indemnification
As a condition of using the Service, you agree to indemnify and hold harmless the Company and its service providers from any claims, losses, damages, costs, or expenses, including attorneys’ fees, arising from your use or misuse of the Service.
Telephone Consumer Protection Act Compliance
By submitting your information to this Site, You are providing your express written consent under the Telephone Consumer Protection Act (TCPA) to receive telemarketing calls, text messages, SMS messages, and other communications as governed by TCPA, from this Company, its lenders, affiliates and marketing partners. If you wish to no longer receive marketing messages, please see the Unsubscribe page of this Site to opt-out.
Disputes and Resolution
Any disputes relating to these Terms, the website, or the services offered will be resolved through binding arbitration conducted by the American Arbitration Association (“AAA”) in your jurisdiction. The arbitrator will have exclusive authority to resolve all disputes, including those regarding the enforceability of these Terms.
Opt-Out of Arbitration/Class Action Waiver
These Terms do not waive your right to pursue claims individually through arbitration and not as part of a class action. You may opt out of the arbitration and class action waiver by providing written notice within 30 days of your initial registration on the Service.
BY ACCEPTING THESE DISPUTE RESOLUTION TERMS, YOU ACKNOWLEDGE AND AGREE THAT YOU WAIVE YOUR RIGHT TO A JURY TRIAL AND YOUR RIGHT TO INITIATE, JOIN, OR PARTICIPATE AS A PLAINTIFF OR CLASS MEMBER IN ANY CLASS ACTION OR MULTI-PARTY ARBITRATION AGAINST US, ANY OF OUR AFFILIATES, OR A SERVICE PROVIDER ENGAGED BY US TO OFFER THE SERVICE.
Modifications to Terms and Conditions
The Company retains the right to modify its Terms & Conditions and to add additional terms or conditions at any time without notice to You. All modifications and additions are effective immediately. If You disagree with any modified or additional term(s) or condition(s), please discontinue your use of the Site and its services.