PrimeLend Legal Agreement

Terms & Conditions

These terms govern your use of the PrimeLend platform, connection tools, disclosures, and third-party loan vendor matching services.

Binding Legal Agreement

These Terms & Conditions constitute a legally binding agreement between you and PrimeLend.

They contain a Mandatory Individual Arbitration Agreement and Class Action Waiver in Section 12 that governs how disputes between you and PrimeLend are resolved.

1. Acceptance of Terms & Eligibility2. Independent Lead Generation & Advertiser Disclosure3. Representative APR Example & Loan Terms4. Electronic Disclosures & E-SIGN Act Consent5. Credit Authorization & Soft Pull Inquiries6. TCPA Communications & Telemarketing Consent7. Prohibited Uses & User Conduct8. Intellectual Property Rights9. Disclaimer of Warranties10. Limitation of Liability11. Indemnification12. Dispute Resolution: Binding Arbitration & Class Action Waiver13. Governing Law & Jurisdiction14. Contact Information & Legal Notices
1

Acceptance of Terms & Eligibility

These Terms & Conditions ("Terms," "Terms of Use," or "Agreement") govern your access to and use of the website located at primelendloans.com (the "Site") and all associated services, connection tools, and content provided by PrimeLend ("PrimeLend," "we," "us," or "our").

By accessing, browsing, or submitting an inquiry through this Site, you confirm that you have read, understood, and agree to be bound by these Terms and our Privacy Policy. If you do not agree to these Terms in their entirety, you must immediately discontinue use of the Site.

Eligibility Representations:

You are an individual at least eighteen (18) years of age (or the age of legal majority in your state of residence);
You are a legal resident of the United States;
You possess the legal capacity to enter into binding agreements; and
All information you submit to PrimeLend is truthful, complete, and accurate.
2

Independent Lead Generation & Advertiser Disclosure

PrimeLend Is NOT a Lender, Broker, or Creditor: PrimeLend does not originate, underwrite, fund, issue, or service loans. We do not make credit decisions, issue loan commitments, or determine interest rates, APRs, repayment schedules, or loan fees.
Operational Model: PrimeLend operates exclusively as an independent referral connection network. We connect prospective borrowers with third-party participating lenders, loan vendors, and financial service providers (collectively, "Participating Loan Vendors").
No Guarantee of Offers or Approval: Submitting a connection request does not constitute a loan application and does not guarantee that you will be matched with a vendor, receive a loan offer, or be approved for financing. Participating Loan Vendors maintain independent underwriting criteria.
Free Consumer Service / Partner Compensation: Our matching service is free to consumers. PrimeLend receives financial compensation from Participating Loan Vendors and marketing partners when consumer inquiries are referred. You are never obligated to accept any offer extended by a matched vendor.
3

Representative APR Example & Loan Terms

Annual Percentage Rates (APRs) from Participating Loan Vendors generally range from 5.99% to 35.99%, based on individual creditworthiness, loan amount, state laws, and repayment terms. Repayment terms generally span from 61 days to 72 months.

Representative Example: A borrower who receives a $4,000 personal loan with a 24-month repayment term at an APR of 24.9% will make 24 monthly installments of $213.56. The total repayment amount will be $5,125.44 (consisting of $4,000.00 principal and $1,125.44 total interest and finance charges).

5

Credit Authorization & Soft Pull Inquiries

Authorization for Soft Inquiries: By submitting an inquiry on PrimeLend, you certify that you provide written instructions under the Fair Credit Reporting Act (15 U.S.C. § 1681 et seq.) authorizing PrimeLend and its network partners to conduct a soft credit inquiry for identity verification and loan matching purposes. Soft inquiries do not impact your credit score.
Vendor Hard Inquiries: If you proceed with a specific matched loan vendor and submit a formal credit application, that vendor may perform an independent hard credit inquiry, which may temporarily affect your credit score.
7

Prohibited Uses & User Conduct

You agree that you will NOT:

Provide inaccurate, false, fraudulent, or impersonated information, including using another individual's Social Security Number;
Use automated tools, scrapers, crawlers, or bots to harvest data or content from the Site;
Introduce malware, viruses, worms, or technologically destructive materials;
Attempt to breach security measures or gain unauthorized access to our servers or databases; or
Use the Site in violation of any applicable federal, state, or municipal law.
8

Intellectual Property Rights

All content, layouts, trademarks, graphics, text, software, and branding on the Site are the exclusive intellectual property of PrimeLend and are protected by United States and international copyright and trademark laws. PrimeLend grants you a limited, revocable, non-exclusive license to use the Site solely for your personal, non-commercial loan exploration.

9

Disclaimer of Warranties

THE SITE AND ALL MATCHING SERVICES ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS. PRIMELEND EXPRESSLY DISCLAIMS ALL WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, INCLUDING THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE SERVICE WILL BE UNINTERRUPTED, SECURE, OR ERROR-FREE, OR THAT ANY PARTICULAR LOAN OFFER OR APPROVAL WILL RESULT.

10

Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, IN NO EVENT SHALL PRIMELEND, ITS DIRECTORS, OFFICERS, EMPLOYEES, AFFILIATES, OR PARTNERS BE LIABLE FOR ANY INDIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL, OR PUNITIVE DAMAGES ARISING FROM YOUR USE OF THE SITE, LOAN INQUIRIES, OR TRANSACTIONS WITH THIRD-PARTY LENDERS. OUR AGGREGATE LIABILITY SHALL NOT EXCEED ONE HUNDRED DOLLARS ($100.00 USD).

11

Indemnification

You agree to defend, indemnify, and hold harmless PrimeLend, its officers, employees, and agents from any claims, damages, liabilities, costs, and expenses (including reasonable attorney fees) arising from your breach of these Terms, submission of inaccurate data, or violation of applicable laws.

12

Dispute Resolution: Binding Arbitration & Class Action Waiver

Informal Resolution: Before initiating arbitration, you agree to contact us at contact@primelendloans.com to attempt good-faith informal resolution.
Binding Individual Arbitration: Any dispute, controversy, or claim arising out of these Terms or our services shall be settled by binding individual arbitration administered by the American Arbitration Association (AAA) under its Consumer Arbitration Rules.
CLASS ACTION WAIVER: YOU AND PRIMELEND AGREE THAT DISPUTES WILL BE RESOLVED ON AN INDIVIDUAL BASIS ONLY. YOU WAIVE ANY RIGHT TO COMMENCE OR PARTICIPATE IN ANY CLASS ACTION, COLLECTIVE ACTION, OR REPRESENTATIVE PROCEEDING AGAINST PRIMELEND.
30-Day Opt-Out: You may opt out of this arbitration agreement by sending written notice within 30 days of first visiting the Site to contact@primelendloans.com.
13

Governing Law & Jurisdiction

These Terms and any disputes arising hereunder shall be governed by and construed in accordance with the laws of the State of New York, without regard to conflicts of law principles. Any legal proceedings not subject to arbitration shall be brought exclusively in the state or federal courts located in Erie County, Buffalo, New York.