Terms of Service

These Terms of Service ("Terms") govern your use of Bromoney (the "Service"). By accessing the Service you agree to be bound by these Terms. If you do not agree, do not use the Service.

Eligibility

You must be at least 18 years old and a legal resident of the United States to use Bromoney. By using the Service, you represent that you meet these requirements.

The Service

Bromoney is an online loan marketplace that introduces borrowers to independent partner lenders. Bromoney is not a lender, does not take loan applications, and does not determine loan approval, rates, or terms. All lending decisions are made independently by the lenders you are matched with.

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Your Responsibilities

When using the Service you agree to:

1. Provide accurate and complete information in any form you submit.
2. Not attempt to disrupt or reverse-engineer the Service.
3. Not use the Service for any unlawful, fraudulent, or abusive purpose.
4. Safeguard any credentials or account information.

Violations can result in suspension of your access.

Intellectual Property

All content on the Service — including text, logos, graphics, and code — is the property of Bromoney or its licensors. You may not copy, modify, or distribute it without written permission, except for your own personal, non-commercial reference.

No Warranties

The Service is provided "as is" and "as available". To the fullest extent permitted by law, Bromoney disclaims all warranties, express or implied, including warranties of merchantability, fitness for a particular purpose, and non-infringement.

Limitation of Liability

Bromoney will not be liable for any indirect, incidental, special, or consequential damages arising from your use of the Service. Our total liability for any claim is limited to the amount you paid us in the 12 months preceding the claim — which, for most users, is $0.

Changes

We may update these Terms from time to time. Material changes will be announced on this page with a new effective date. Continued use of the Service after an update means you accept the revised Terms.

Electronic Communications & E-Sign Consent

1. Consent to Electronic Delivery. By using BroMoney, you agree to receive all disclosures, agreements, and notices (collectively, "Documents") electronically. These Documents will be provided via email or through links on our website. 2. Legal Effect. You agree that your electronic signature, or your act of clicking a button to submit information, has the same legal force and effect as a physical signature in ink. **3. Hardware and Software Requirements. ** To access and retain Documents, you must have a device with internet access, an active email account, and software capable of viewing PDF files. 4. Withdrawing Consent. You may withdraw your consent to receive electronic Documents at any time by contacting us at [email protected]. However, withdrawing consent may result in the termination of your access to our matching services. **5. Accuracy of Contact Info. ** You are responsible for keeping your email address current. Any Document sent to the email on file will be deemed "delivered" even if returned as undeliverable.

Governing Law

These Terms are governed by the laws of the State of Delaware, without regard to its conflict-of-law rules. Disputes will be resolved in the state or federal courts located in Delaware.

Contact

Questions about these Terms: [email protected].