Terms of Service

1. Acceptance of terms

By accessing or using LoanRank America (the "Site"), you agree to be bound by these Terms of Service. If you do not agree, do not use the Site.

2. Informational purpose only

The Site provides editorial comparisons of personal loan platforms. All content is for informational purposes only and does not constitute financial, legal, tax, or other professional advice. You should consult a qualified professional before making any borrowing decision.

3. Not a lender

LoanRank America does not originate loans, broker loans, or make credit decisions. All lending products described on the Site are offered by independent third-party platforms. Any application, approval, funding, repayment, or dispute is between you and the third-party platform — not LoanRank America.

4. No warranties on third parties

While we work to keep content accurate, lender terms, APR ranges, fees, and eligibility criteria can change at any time without notice to us. We do not warrant the products, services, terms, or conduct of any platform or lender referenced on the Site. Before applying, you must independently verify the lender's current terms.

5. Limitation of liability

To the maximum extent permitted by law, LoanRank America, its operators, contributors, and affiliates shall not be liable for any indirect, incidental, special, consequential, or punitive damages, or for any loss of profits or data, arising out of or in connection with your use of the Site or any third-party platform you access through the Site.

6. Indemnification

You agree to indemnify and hold harmless LoanRank America and its operators from any claim, loss, liability, or expense (including reasonable attorneys' fees) arising out of your use of the Site, your violation of these Terms, or your dealings with any third-party platform referenced on the Site.

7. Intellectual property

All content on the Site — including text, rankings, methodology, and the LoanRank America name and wordmark — is the property of LoanRank America or its licensors and is protected by US and international intellectual property laws. You may share individual articles for personal, non-commercial use with attribution and a link back to the original page; commercial reuse requires written permission.

8. Affiliate relationships

The Site participates in affiliate marketing programs as described in our Disclaimer. By using the Site, you acknowledge those relationships.

9. Governing law

These Terms are governed by the laws of the State of Delaware, USA, without regard to its conflict-of-laws principles.

10. Dispute resolution — binding arbitration

Any dispute arising out of or relating to these Terms or your use of the Site shall be resolved by binding arbitration administered by the American Arbitration Association under its Consumer Arbitration Rules, with the seat in Wilmington, Delaware. You and LoanRank America waive any right to trial by jury and to participate in a class action.

You have the right to opt out of this arbitration agreement within 30 days of first using the Site by sending written notice to info@loanrankamerica.com.

11. Changes to these terms

We may update these Terms at any time. The "Last updated" date reflects the most recent revision. Continued use of the Site after a revision constitutes acceptance of the updated Terms.

12. Contact

Questions about these Terms can be sent to info@loanrankamerica.com.