Terms of Service

NOTICE: By visiting, viewing, or using the website MyLoans.ai and/or by using any program, product, course, or service offered by us (collectively referred to as "Services"), you agree to be bound by these Terms of Service, along with our Privacy Policy and Disclaimer.

Please read the sections titled “Binding Arbitration” AND “Class Action Waiver” carefully as they affect your legal rights.

MyLoans.ai is operated by MyLoans, LLC (“Company”, “we”, “us”, or “our”), and provides information and services subject to the following terms and conditions (“Terms of Service”). The term “you” refers to any visitor, viewer, or user of the website and/or any user of our Services.

Agreement Acceptance

By engaging with the website and/or Services, you indicate your acceptance of these Terms of Service, our Privacy Policy, and Disclaimer, hereby incorporated by reference (collectively, this “Agreement”). If you do not agree with these terms, please do not use our website or Services. These Terms of Service have been developed with legal assistance.

We reserve the right to amend this Agreement at any time. Changes will be effective immediately upon posting the updated version on this page. Your continued use of the website or Services after amendments are posted constitutes acceptance of the Agreement as modified.

United States and Over 18 Use Only

The website and Services are intended solely for users who are eighteen (18) years of age or older and reside in the United States. We do not represent that our website or Services are appropriate, legal, or available for use outside of the United States. Access from territories where the content is illegal is prohibited.

Guidelines for Use

• Complying with all applicable laws;
• Respecting copyright and intellectual property rights;
• Avoiding fraudulent or deceptive practices;
• Refraining from posting objectionable content;
• Not engaging in spamming, unauthorized advertising, or unauthorized access to the website;
• Respecting the rights and enjoyment of others on the website.

Violations of our guidelines may result in denial of access to our Services.

Intellectual Property

All content and materials available through our Services are owned by or licensed to MyLoans, LLC and are protected by copyright, trademarks, and other intellectual property rights. You may use our Intellectual Property for personal, non-commercial purposes only, unless you receive our written consent for other uses.

No Warranties

Our Services are provided on an “as is” and “as available” basis without warranties of any kind, express or implied. We do not guarantee that our Services will be uninterrupted or error-free.

Limitation of Liability

To the fullest extent permitted by law, MyLoans, LLC shall not be liable for any indirect, special, incidental, or consequential damages arising out of or related to your use of our website or Services.

Indemnification

You agree to indemnify and hold harmless MyLoans, LLC and its affiliates from any claims, damages, or expenses arising from your use of the website or Services or your breach of this Agreement.

Governing Law

These Terms of Service shall be governed by the laws of the state of [Your State], United States, without regard to its conflict of law provisions.

Binding Arbitration

Disputes arising from this Agreement shall be resolved through binding arbitration in accordance with the rules of the American Arbitration Association. The arbitration shall take place in [Location], and the decision of the arbitration shall be final and binding.

Class Action Waiver

You waive any right to participate in a class action or class-wide arbitration for any claims covered by this Agreement.

Entire Agreement

This Agreement, along with our Privacy Policy and Disclaimer, constitutes the entire agreement between you and MyLoans, LLC concerning the Services.