Terms of Use
Last updated: [Date]
Agreement to Terms
These Terms of Use constitute a legally binding agreement between you and LendingSum (“Company”, “we”, “us”, or “our”) governing your use of the website located at https://lendingsum.com (the “Site”). By accessing or using the Site, you agree to comply with these Terms of Use and all applicable laws and regulations.
Description of Service
LendingSum.com is a website providing insights, information, and resources related to lending and credit. Through curated content, we offer guidance on loans, credit cards, personal finance, and strategies for building and leveraging credit. Our aim is to empower individuals to make informed financial decisions.
User Obligations
By using our Site, you agree to:
- Use the Site for lawful purposes and in compliance with any applicable laws and regulations.
- Provide accurate, truthful, and complete information when required.
- Maintain the confidentiality of your account login information and notify us immediately if you suspect any unauthorized access.
- Use the content provided on the Site for personal, non-commercial purposes only.
- Obtain appropriate permissions, licenses, or consents required to comply with any applicable laws or regulations for your use of the Site.
Intellectual Property Rights
The content, materials, and features available on the Site, including but not limited to text, graphics, logos, images, audio clips, and software, are the intellectual property of LendingSum or its licensors, and are protected by copyright, trademark, and other laws. You may not use, reproduce, modify, distribute, or publicly display any portion of the Site without the prior written consent of LendingSum or the respective copyright holder.
Third-Party Links and Content
The Site may contain links to third-party websites or display third-party content. These links and content are provided for your convenience only and do not imply any endorsement, sponsorship, or affiliation by LendingSum. We are not responsible for the availability, accuracy, or legality of any such linked websites or content, nor for any loss or damage incurred as a result of your use of or reliance on them.
Disclaimer of Warranties
The content on the Site is provided for informational purposes only and should not be considered as financial or legal advice. While we strive to provide accurate and up-to-date information, we make no warranties or representations regarding the accuracy, reliability, or completeness of the content. Your use of the Site and reliance on any information found on it are solely at your own risk.
Limitation of Liability
To the extent permitted by law, LendingSum and its affiliates, officers, directors, employees, agents, partners, and licensors shall not be liable for any indirect, incidental, special, consequential, or punitive damages resulting from your use of the Site or reliance on its content. In no event shall LendingSum’s total liability to you exceed the amount paid by you, if any, to access or use the Site.
Indemnification
You agree to indemnify, defend, and hold harmless LendingSum and its affiliates, officers, directors, employees, agents, partners, and licensors from and against any and all claims, liabilities, damages, losses, costs, and expenses (including reasonable attorneys’ fees) arising from your use of the Site, violation of these Terms of Use, or infringement of any intellectual property or other right of any person or entity.
Modifications to Terms of Use
We reserve the right to modify or update these Terms of Use at any time without prior notice. Your continued use of the Site after any such changes signifies your acceptance of the modified Terms of Use. Therefore, we encourage you to review the Terms of Use periodically to stay informed.
Termination
We may terminate or suspend your access to the Site without prior notice or liability for any reason, including if you breach these Terms of Use. All provisions of these Terms of Use which by their nature should survive termination shall survive termination, including, without limitation, intellectual property rights, disclaimers, limitations of liability, and indemnification provisions.
Governing Law and Jurisdiction
These Terms of Use shall be governed by and construed in accordance with the laws of [Country/State], without regard to its conflict of laws principles. Any disputes arising under or in connection with these Terms of Use shall be subject to the exclusive jurisdiction of the courts located in [City, Country].
Severability
If any provision of these Terms of Use is held to be invalid or unenforceable, the remaining provisions shall continue to be valid and enforceable to the fullest extent permitted by law.
Contact Us
If you have any questions or concerns regarding these Terms of Use, please contact us at [email address].