These Terms of Use ("Terms") govern your access to and use of the Credit Genie website, creditsgene.com (the "Service"). By using the Service, you agree to be bound by these Terms.
1. Nature of the Service
Credit Genie is a lead-generation service. We are not a lender, loan broker, or agent for any lender. We do not make credit or loan decisions and are not a party to any loan agreement you may enter into with a lender. We connect consumers with lending partners that may offer loans with terms of 61 days or more.
2. Eligibility
You must be at least 18 years of age, a U.S. resident, and legally able to enter into contracts to use the Service.
3. Use of the Service
You agree to use the Service only for lawful purposes and in a manner that does not infringe the rights of others. You agree to provide accurate and complete information when submitting a request.
4. Intellectual Property
All content on the Service, including text, graphics, logos, and design, is the property of Credit Genie or its licensors and is protected by applicable intellectual property laws. You may not reproduce, distribute, or create derivative works without our prior written consent.
5. Third-Party Links and Offers
The Service may contain links to third-party websites and may present offers from lending partners. We do not control and are not responsible for the content, policies, or practices of third parties. Any offer presented to you is made solely by the lender, and you should review the lender's terms carefully before accepting.
6. Disclaimer of Warranties
The Service is provided on an "as is" and "as available" basis without warranties of any kind, express or implied. We do not warrant that the Service will be uninterrupted, error-free, or that you will receive an offer from a lender.
7. Limitation of Liability
To the fullest extent permitted by law, Credit Genie shall not be liable for any indirect, incidental, special, or consequential damages arising from your use of the Service or any offer obtained through it.
8. Governing Law
These Terms are governed by the laws of the State of Delaware, without regard to its conflict of law provisions.
9. Changes to These Terms
We may revise these Terms at any time. Continued use of the Service after changes are posted constitutes your acceptance of the updated Terms.
10. Contact
Questions about these Terms may be sent to [email protected] or by mail to 1209 North Orange Street, Wilmington, DE 19801, USA.