Terms of Service

1. Acceptance of Terms

By accessing or using the Above Lending website located at abovelendingusa.com (the "Platform"), you agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, do not use the Platform. These Terms constitute a legally binding agreement between you and Above Lending USA.

2. Service Description

Above Lending operates a loan matching service that connects consumers seeking personal loans with a network of third-party lenders. Above Lending provides the Platform as a free-to-use marketing and lead-generation service for borrowers. We are compensated by lenders in our network when a successful match results in a funded loan.

3. Above Lending Is Not a Direct Lender

IMPORTANT: Above Lending is not a lender, loan broker, financial institution, or credit services organization. Above Lending does not:

• Make lending decisions or extend credit
• Set the terms, rates, or conditions of any loan offer
• Guarantee approval or funding for any loan application
• Hold, transfer, or service any loan funds
• Act as an agent on behalf of any lender

All lending decisions are made exclusively by the individual lenders in our network, subject to their own terms and applicable state and federal law.

4. Eligibility

To use the Above Lending Platform, you must:

• Be at least 18 years of age (or the age of majority in your state)
• Be a legal resident of the United States
• Have a valid Social Security Number or Individual Taxpayer Identification Number
• Have a valid US bank account
• Provide truthful and accurate information in all inquiries

The Platform is not available to residents of all states. Availability of loan products varies by state.

5. User Obligations

By using the Platform, you agree to:

• Provide accurate, truthful, and complete information
• Not submit false or fraudulent applications
• Not use the Platform for any illegal or unauthorized purpose
• Not attempt to circumvent, disable, or interfere with security features
• Notify Above Lending of any unauthorized use of your account or information

You are solely responsible for the accuracy of information you provide. Above Lending reserves the right to terminate your access for violations of these obligations.

6. Truth in Lending Act (TILA) Disclosure

Personal loans offered through the Above Lending lender network are subject to TILA disclosure requirements. Representative APR Range: 5.99%–35.99%. Loan amounts: $500–$5,000. Repayment terms: 61 days to 72 months.

Representative Example: A personal loan of $2,500 repaid over 36 months at a representative APR of 19.99% has an estimated monthly payment of approximately $93.09. Total repayable: approximately $3,351.24. Individual rates and terms are determined by the lender based on creditworthiness and other factors. Not all applicants qualify for the lowest rate.

7. Credit Inquiry Notice

Submitting a rate inquiry through Above Lending results in a soft credit inquiry only. Soft inquiries do not affect your FICO credit score. By proceeding beyond the initial rate check and accepting a lender’s offer, you authorize that lender to conduct a hard credit inquiry as part of their final approval process. Hard inquiries may temporarily affect your credit score.

8. No Guarantee of Approval or Funding

Submitting a rate inquiry through Above Lending does not guarantee that you will receive a loan offer, that any loan offer will meet your specific needs, or that any loan will be funded. Loan approvals are made solely by third-party lenders based on their independent credit and underwriting criteria.

9. Disclaimers

THE PLATFORM AND ALL CONTENT, SERVICES, AND FUNCTIONALITY ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT.

Above Lending does not warrant that the Platform will be uninterrupted, error-free, or free of viruses. Above Lending is not responsible for the actions, decisions, or loan terms of any lender in its network.

10. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, ABOVE LENDING SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING FROM YOUR USE OF THE PLATFORM OR ANY LOAN OBTAINED THROUGH OUR MATCHING SERVICE.

Above Lending’s total liability to you for any claims arising from these Terms or your use of the Platform shall not exceed the amount of any fees paid by you to Above Lending (which for most users is $0, as the service is free to borrowers).

11. Indemnification

You agree to indemnify and hold harmless Above Lending, its officers, directors, employees, and agents from any claims, damages, costs, or expenses arising from: (a) your use of the Platform; (b) your violation of these Terms; or (c) your provision of false or inaccurate information.

12. Intellectual Property

All content on the Above Lending Platform, including text, graphics, logos, icons, and software, is the property of Above Lending USA and is protected by applicable copyright, trademark, and other intellectual property laws. You may not reproduce, distribute, or create derivative works from Platform content without express written permission.

13. Governing Law & Dispute Resolution

These Terms are governed by the laws of the United States. Any disputes arising from these Terms or your use of the Platform shall be resolved through binding arbitration in accordance with the rules of the American Arbitration Association (AAA), except where prohibited by applicable law. You waive your right to participate in class action lawsuits to the extent permitted by law.

14. Changes to These Terms

Above Lending reserves the right to modify these Terms at any time. When material changes are made, we will update the "Last Updated" date at the top of this page. Continued use of the Platform after changes constitutes your acceptance of the updated Terms.

15. Contact

For questions about these Terms of Service, contact Above Lending at:

• Email: [email protected]
• Contact Form: abovelendingusa.com/contact.html