Effective date: June 14, 2019
Applying does NOT affect
your FICO® credit score!
This website is basically an online market platform that serves as a link between users who are seeking loans and lending companies who specialize in providing various loans.
Kindly read and understand the entire document before you start using this website in any manner. When you agree to use any section of this website, you confirm that you have attained the age of 18 years and are therefore by law, bound by all the terms recorded here. The service provided by this website is not available for any resident in the states like but not limited to Vermont, Arkansas, West Virginia, and New York as a result of state laws. Nevertheless, the list presented here may be incomplete and might change without notice depending on the applicable regulations in any state.
Do not attempt to utilize this website or the company’s services if you are not in total agreement with the terms here.
RealisticLoans.com does not act as a broker, financial institution, or lender, and as such, plays no part in making lending decisions or issuing loans. The company doesn’t offer lending services to any user and therefore will in no way enter into a direct financial transaction with any user. Instead, this company is acting as a link meant to match you to a lender from a network of third-party financial service providers (also referred to as lenders). Upon registering on this website, you may be linked to lenders who can give you a loan amount in accordance with the specific regulations regarding capped amounts and terms in your state of residence. Loan application approvals, availing loan product options, and the available amounts depend on the specific lender, and RealisticLoans.com is not a party in making such decisions. In addition, not all financial service providers available in this network can lend you the amount you need as a result of insufficient capability as well as any other reason that this company has no jurisdiction over. As such, this company is not involved in making promises or any offers regarding this issue.
RealisticLoans.com generates its income from the adverts placed by the various lenders. Nevertheless, this doesn’t imply that this company deals in patronizing the financial services provided by the lenders. Over and above, the lending conditions enforced by the various lenders on this network may not be appropriate for all users. In the event where you are not certain about some aspects of the loan products offered to you by the financial providers, always make sure that you have sought professional advice prior to making a final decision. This company does not take any responsibility in the various offers availed by lenders in this network and as such; we do not play any part whatsoever in the decisions made. In addition, this company takes no responsibility with regard to how a lender will use the data you’ve submitted.
When you submit personal data like date of birth and SS number, you are mandating the lenders to run background checks and credit checks in accordance with the terms of the respective lenders. However, RealisticLoans.com is not involved in the credit checks in question and therefore we take no liability for the underlying outcome of this exercise. Please note that a hard credit check may have an impact on your credit scores.
This company doesn’t in any way provide a guarantee with regard to the availability of the financial products or services offered by the lenders in our network. This website is managed by RealisticLoans.com and as such, we bear no responsibility for any form of information advertised by the lenders. At the same time, we don’t guarantee our users that any loan service or product is suitable to them and that a loan application will be approved or that you will get an amount that you’ve requested. Basically, this company offers a connection service with loan providers forwarding the data that you’ve provided in the online application on the site without prior confirmation of the details and availability of any loan product on offer by the lenders.
If the loan product on offer by the lenders is in line with your current needs, you can finalize the deal by signing the agreement and take the loan. However, the agreement and all its contents are not drafted by this company but it is a creation of the respective lender which implies that it’s your responsibility as a user to study the details of the agreement before giving your consent. RealisticLoans.com is not involved in any manner with the agreements or terms and conditions related to any loan product or service offered by the financial service providers. If you have any queries related to the details of the loan agreements, you are advised to get in touch with the respective loan provider and request further clarification.
The ownership, logo, information, content, or any other thing on display on this website are the sole property of RealisticLoans.com and it’s governed by all the applicable intellectual property regulations in the US. By using this website, you gain no ownership rights to any part of the site. Therefore, any duplication, reproduction, copying, resale, or other forms of exploiting the content, organization, arrangement, and design is deemed unlawful and is strictly prohibited.
Disclaimer of Warranties
Applying does NOT affect
your FICO® credit score!
Limitation of liability
THIS COMPANY MUST NOT BE HELD RESPONSIBLE FOR THE CONSEQUENTIAL, DIRECT, AND INDIRECT, INCIDENTAL, AS WELL AS OTHER FORMS OF DAMAGE OR LOSSES THAT YOU, MAY SUFFER AS A CONSEQUENCE OF ACCESSING THE SITE AS WELL AS USING THE SERVICES OF ANY THIRD-PARTY SERVICE PROVIDERS FOUND ON THIS WEBSITE. HOWEVER, THE MAXIMUM AMOUNT OF LIABILITY THAT THIS COMPANY BEARS IN CASE YOU HAVE SUFFERED DAMAGES AND LOSSES ARE STRICTLY LIMITED TO THE TOTAL AMOUNT OF MONEY YOU’VE PAID IN ORDER TO GAIN ACCESS TO THE SITE.
SINCE THERE EXIST SOME JURISDICTIONS THAT DON’T ALLOW OR RECOGNIZE THE ENTIRE EXCLUSION OF SOME SPECIFIED WARRANTIES LIKE INCIDENTAL AND CONSEQUENTIAL DAMAGES, THIS COMPANY WILL MAKE RELEVANT ADJUSTMENTS TO ITS LIABILITY AS PER THE MAXIMUM EXTENTS ALLOWED BY THE APPLICABLE LAWS.
The moment you provide your details on the site, you are permitting this company, the lenders, and other third-party service providers to get in contact with you using various channels like telephone, mail address, and email. If you have no interest in receiving the information and materials, you may have your name removed from the contact lists by using the opt-out option.
Third-parties and third-party websites
In this site, you may find information related to third-parties as well as some links to their main websites. But this company cannot guarantee the information accuracy with regard to these websites and therefore is not making any endorsements. Be advised that they are solely included for the purposes of information and you choose to pay them a visit at your own risk. As such, you agree that this company bears no liability for any sort of damages or incurred losses arising from your interaction with either the third-party products or websites. Any sort of communication that may take place between you and the third-parties or lenders is your personal responsibility and this company will not take responsibility for the communication or its consequences.
Electronically delivered information, electronic communication, and notifications
This company, the lenders in its network as well as third-party providers may decide to employ electronic channels for communication. The communication may be for the purposes of requesting for additional information, marketing materials, providing information, notices, and sending the federal laws, state laws as well as other necessary documents related to the services or products on offer from the providers.
Your continued use of this site is equivalent to an agreement to receive the communication either at the moment or in the future. The electronic communication will be effected using the email address you submitted during the signup process or any other address that this company may source from the lenders or third-party service providers. You, therefore, are in agreement that you have the technical capacity to receive as well as store the electronic communication and documents from both the company and other service providers. Nevertheless, you are entitled to receiving the said communication via non-electronic media but you must withdraw your consent of getting electronic communication by sending us an email.
Any form of dispute that may emanate from the usage of this site or the services offered here is subject to the relevant provisions of the applicable laws existing in the state which has authorized the services against which disputes and complaints have risen overshadowing any other form of laws or existing conflicts between the various local laws as well as provisions. In the event that you are faced with such a dispute, it is your duty to submit the complaint formally for arbitration by the corresponding institution or association with the relevant authority to look into cases of that nature but with regard to federal and state rules and regulations apply when you make the complaints.
YOU ARE HEREBY ADVISED THAT ANY KIND OF DISPUTE THAT MAY OCCUR BETWEEN THIS COMPANY AND THE USER CAN ONLY BE SETTLED VIA ARBITRATION. YOUR AGREEMENT TO THIS SPECIFIC TERM IS THEREFORE EQUIVALENT TO FOREGOING YOUR RIGHTS TO EITHER REPRESENT YOURSELF INDIVIDUALLY OR USING ANY LEGAL COUNSEL IN ANY COURT OR BEFORE ANY JUDGE. IN ADDITION, YOU ENTIRELY AGREE THAT YOU HAVE GIVEN UP YOUR RIGHTS TO PARTICIPATE IN CLASS ACTION SUITS OF ANY FORM.
None of the products and services offered through this website can be downloaded or exported to these countries or by their residents.
This is in addition to any other county not mentioned in this list which the US has imposed sanctions against.
The services and products must not be utilized or exported by individuals who are in the category of the Specially Designated Individuals as declared by the United States Treasury Department or those who appear in the Table of Denial Orders as recorded by the US Commerce Department. When you use this service, you are in agreement that you are not violating any export restrictions as well as agreeing that you are not on any list mentioned above.
By using and accessing this website, you offer your total agreement with regard to indemnifying this company, subsidiaries, the parent company, all affiliates, its individual members, employees, directors, bankers, agents, all co-partners as completely harmless and as such, are not held liable to any claims that may result from:
- Your access and usage of this website
- Any form of disagreement or dispute that may occur between you and any third party
Any member mentioned above has all the right to assert this clause in the event where you raise a dispute.
This company reserves the ultimate right to make alterations to the existing terms with no obligation to issue a notice beforehand. As such, you agree to abide by the changes when you continue to use the website.
This website, as well as the associated services, is offered by RealisticLoans.com. In case of a query, complaint, or a request related to any of the services offered here, kindly feel free to get in touch with us via email at [email protected].
Applying does NOT affect
your FICO® credit score!