PLEASE READ THESE TERMS OF USE CAREFULLY. BY ACCESSING THIS SITE OR USING OUR SERVICES, YOU AGREE TO BE BOUND BY THESE TERMS OF USE. IF YOU DO NOT AGREE WITH THESE TERMS OF USE, PLEASE DO NOT ACCESS THIS SITE.

These Terms of Use apply to your access to, and use of, all or part of any website or mobile application of LendEra LLC or its subsidiaries and affiliated companies (collectively, “LendEra,” “we,” “our,” or “us”), including lenderalending.com and any other site, mobile application, or online service where these Terms of Use are posted (collectively, the “Website”). These Terms of Use do not alter in any way the terms or conditions of any loan agreement or other agreement you may have with LendEra for products, services, or otherwise.

These Terms of Use affect your legal rights, including an agreement to resolve disputes that may arise between us by arbitration on an individual basis instead of by class actions or jury trials.

The loan amount, term, and Annual Percentage Rate (APR) you qualify for are based on a credit determination and may vary depending on factors such as your credit history, income, requested loan amount, loan term, and state law. Minimum and maximum loan amounts vary by state. Not all applicants will qualify for the lowest rates or largest loan amounts advertised.

Checking your rate generates a soft inquiry on your credit report, which is visible only to you and does not affect your credit score. If you continue and submit an application for credit, a hard inquiry may be performed, which could affect your credit score.

The approval process may take longer if additional documents are requested. Approval, loan terms, and funding times will vary based on credit determination and state law. Loans may be brokered.

LendEra LLC, Corporate NMLS ID #2721990. For further information about LendEra’s licenses, visit the Nationwide Multistate Licensing System & Registry (NMLS) Consumer Access website.

LendEra reserves the right to change or modify content, materials, or information appearing on or in connection with this Website, including these Terms of Use, at any time without notice to you. LendEra may at any time revise these Terms of Use by updating this posting. You are bound by such revisions and should therefore visit this page to review the current Terms of Use from time to time.

By accessing or using this Website, you represent that you are at least eighteen (18) years of age and will, at all times, provide true, accurate, current, and complete information when submitting information on this Website, including, without limitation, when you check your rate or apply for a loan. You agree not to impersonate any other person or entity, whether actual or fictitious, including impersonating an employee or representative of LendEra. If you provide any false, inaccurate, untrue, or incomplete information, LendEra reserves the right to decline your application and terminate your access to and use of this Website.

You may not access or use the Website in any way that could or is intended to damage or impair the Website, or any server or network underlying the Website, or interfere with anyone else’s use and enjoyment of the Website.

Use of the Internet and this Website is solely at your own risk. While LendEra has endeavored to create a secure and reliable Website, the confidentiality of any communication or material transmitted to or from the Website over the Internet cannot be guaranteed. Accordingly, LendEra is not responsible for the security of any information transmitted via the Internet, the accuracy of the information contained on the Website, or the consequences of any reliance on such information.

Unless otherwise indicated, all text, formatting, images, graphics, tools, applications, videos, articles, trademarks, service marks, trade names, logos, and other materials and information on this Website (collectively, “Content”) are owned by LendEra or used by LendEra under a license or with permission, and are protected by copyright, trademark, and other intellectual property laws. The Content may not be copied, imitated, or used, in whole or in part, without the prior written permission of LendEra or the applicable rights holder. All rights not expressly granted are reserved.

Any unauthorized commercial use of these materials will violate LendEra’s intellectual property rights and will be subject to LendEra’s full legal rights and remedies.

LendEra grants you a limited, nonexclusive, revocable license to view, share, print, or download Content from the Website for your own personal use. You may not license, republish, distribute, copy, assign, sublicense, transfer, sell, prepare derivative works of, or make any other non-personal use of any Content. You are granted a limited, revocable, and nonexclusive right to create a hyperlink to the Website so long as the link does not portray LendEra or its products or services in a false, misleading, derogatory, or otherwise offensive manner, or imply a sponsorship or endorsement of your website, page, or content by LendEra.

You may not use automated systems (e.g., robots, spiders, scrapers) to access the Website. You agree not to collect personally identifiable information of other users of the Website or to sell or otherwise exploit that information.

LENDERA RETAINS THE RIGHT TO DENY ACCESS TO THIS WEBSITE TO ANYONE WITHOUT NOTICE AT ITS COMPLETE DISCRETION FOR ANY REASON, INCLUDING FOR VIOLATION OF ANY OF THESE TERMS OF USE.

From time to time, we may ask for your feedback on the Website and our loan products and services. Any feedback or other material you transmit or post (other than personal information you submit as part of a rate check or loan application, which is governed by our Privacy Policy) will be treated as non-confidential and non-proprietary, will become the property of LendEra, and may be used by LendEra and its affiliates without restriction, compensation, or other liability to you. LendEra is under no obligation to respond to any such communication.

The Website may contain third-party content and links to other websites that are independent of this Website. Third-party content and links are included solely for the convenience of users and do not constitute any approval, endorsement, or warranty by LendEra. LendEra is not responsible for the accuracy, completeness, or reliability of third-party information, or for the products or services offered through any linked website. Any agreements or transactions between you and a third party are made solely at your own risk. Personal information you submit on a third-party website is subject to that website’s privacy policy and terms of use.

You agree to defend, indemnify, and hold harmless LendEra and its direct and indirect subsidiaries, and each of their respective directors, officers, employees, agents, successors, and assigns, from and against all losses, liabilities, damages, claims, and expenses, including attorneys’ fees, arising out of, relating to, or resulting from your violation of these Terms of Use or misuse of the Website.

WHILE LENDERA WILL USE REASONABLE EFFORTS TO ENSURE THAT THE INFORMATION ON THIS WEBSITE IS ACCURATE, UP-TO-DATE, AND RELIABLE, THE WEBSITE AND ALL INFORMATION, SERVICES, PRODUCTS, AND MATERIALS CONTAINED HEREIN ARE PROVIDED “AS IS” AND “AS AVAILABLE,” AND ALL WARRANTIES, EXPRESS OR IMPLIED, ARE HEREBY DISCLAIMED, INCLUDING ANY WARRANTY OF MERCHANTABILITY, TITLE, NONINFRINGEMENT, QUALITY OF INFORMATION, OR FITNESS FOR A PARTICULAR PURPOSE. LENDERA DOES NOT WARRANT THAT THE WEBSITE WILL BE UNINTERRUPTED OR ERROR-FREE, THAT DEFECTS WILL BE CORRECTED, OR THAT THE WEBSITE OR THE SERVER THAT MAKES IT AVAILABLE IS FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS. YOUR USE OF THIS WEBSITE IS AT YOUR OWN RISK. SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OF IMPLIED WARRANTIES, SO SOME OF THE ABOVE EXCLUSIONS MAY NOT APPLY TO YOU.

IN NO EVENT SHALL LENDERA OR ITS AFFILIATES BE LIABLE FOR ANY DIRECT, INDIRECT, SPECIAL, PUNITIVE, EXEMPLARY, CONSEQUENTIAL, OR OTHER DAMAGES WHATSOEVER, INCLUDING BUT NOT LIMITED TO LOSS OF USE, LOSS OF BUSINESS, ECONOMIC LOSS, LOSS OF DATA, OR LOSS OF PROFITS, ARISING OUT OF OR IN CONNECTION WITH YOUR USE OF OR ACCESS TO THE WEBSITE OR ITS CONTENT, EVEN IF LENDERA HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGE. IN NO EVENT SHALL LENDERA’S TOTAL LIABILITY TO YOU FOR ALL DAMAGES, LOSSES, AND CAUSES OF ACTION ARISING FROM YOUR USE OF THE WEBSITE EXCEED THE AMOUNT PAID BY YOU, IF ANY, OR ONE HUNDRED DOLLARS ($100), WHICHEVER IS LESS. THIS LIMITATION DOES NOT APPLY TO OBLIGATIONS UNDER ANY LOAN AGREEMENT BETWEEN YOU AND LENDERA. APPLICABLE LAW MAY NOT ALLOW THE LIMITATION OR EXCLUSION OF LIABILITY OR INCIDENTAL OR CONSEQUENTIAL DAMAGES, SO THE ABOVE LIMITATION MAY NOT APPLY TO YOU.

Please read this provision carefully. It affects your legal rights.

YOU AND LENDERA AGREE TO GIVE UP ANY RIGHTS TO LITIGATE CLAIMS IN A COURT OR BEFORE A JURY OR TO PARTICIPATE IN A CLASS ACTION OR REPRESENTATIVE ACTION WITH RESPECT TO A CLAIM. OTHER RIGHTS THAT YOU WOULD HAVE IF YOU WENT TO COURT, SUCH AS ACCESS TO DISCOVERY, ALSO MAY BE UNAVAILABLE OR LIMITED IN ARBITRATION.

Any dispute between you and LendEra, its agents, employees, officers, directors, successors, assigns, subsidiaries, or affiliates arising from or relating to these Terms of Use, their interpretation, breach, termination, or validity, or the relationships that result from these Terms of Use, including disputes about the validity, scope, or enforceability of this arbitration provision (“Covered Disputes”), will be settled by binding arbitration. Disputes arising under a loan agreement are governed by the dispute resolution terms of that agreement.

Before initiating any arbitration, the initiating party will give the other party at least 60 days’ advance written notice of its intent to file for arbitration (“Notice”). Notice to LendEra must be sent as described in Section 13 below. The Notice must (1) include your name and address, (2) describe the nature and basis of the claim or dispute, and (3) set forth the specific relief sought. During the 60-day notice period, the parties will endeavor to settle any Covered Dispute amicably. If the dispute is not resolved, either party may initiate arbitration.

The arbitrator will conduct any arbitration proceedings by telephone or videoconference unless in-person appearances are requested by you or LendEra and approved by the arbitrator. The arbitrator will have the power to grant whatever relief would be available in court under law or in equity, and any award will be final and binding and may be entered as a judgment in any court of competent jurisdiction.

You and LendEra agree that any Covered Dispute will be submitted to arbitration on an individual basis only. Neither party is entitled to arbitrate any Covered Dispute as a class, representative, or private attorney general action. If any provision of this arbitration section is found illegal or unenforceable, the remaining arbitration terms shall continue to be fully valid, binding, and enforceable (but in no case will there be a class, representative, or private attorney general arbitration). This arbitration provision is governed by the Federal Arbitration Act, 9 U.S.C. §§ 1-16.

Please read our Privacy Policy carefully to understand how LendEra collects, uses, and discloses personal information, including information you provide when checking your rate or applying for a loan. By accessing or using the Website, you consent to all actions we take with respect to your data consistent with our Privacy Policy.

LendEra’s loan products are offered only to residents of the United States in states where LendEra is licensed or otherwise permitted to lend. LendEra makes no claims regarding access to or use of the Website outside of the United States. If you access the Website from outside the United States, you do so at your own risk and are responsible for compliance with the laws of your jurisdiction.

LendEra may provide you with notices by email, regular mail, or postings on the Website. Notice will be deemed given twenty-four (24) hours after an email is sent, unless LendEra is notified that the email address is invalid. If LendEra gives notice by mail to a postal address you provided, notice will be deemed given three (3) calendar days after the date of mailing.

All notices to LendEra must be made in writing and sent to info@lenderalending.com.

Except as provided in Section 10, these Terms of Use shall be governed by applicable federal law and the laws of the state in which LendEra LLC is organized, without giving effect to any principles of conflicts of law. Your loan agreement, if any, will specify the law governing your loan.

These Terms of Use may not be assigned by you. LendEra may assign its rights and obligations under these Terms of Use at any time.

Should any part or provision of these Terms of Use be held unlawful, void, invalid, or unenforceable, that portion shall be deemed severable and shall not affect the validity and enforceability of any remaining provisions.

Except as provided herein, these Terms of Use constitute the entire agreement between you and LendEra pertaining to their subject matter. Certain provisions may be superseded or supplemented by legal notices or terms located on particular pages of the Website, and by any loan agreement you enter into with LendEra.

LendEra’s failure to enforce any provision of these Terms of Use shall not be deemed a waiver of that provision or of its right to enforce it.

These Terms of Use and any related documents may be accepted in electronic form, and your acceptance will be deemed binding between you and LendEra.

These Terms of Use take effect when you begin using the Website. LendEra reserves the right, with or without notice, at any time and for any reason, to deny you access to the Website or any portion of it, and to terminate these Terms of Use. These Terms of Use will terminate automatically if you fail to comply with them. You may terminate these Terms of Use at any time by ceasing to use the Website, but all applicable provisions will survive termination.

To help the government fight the funding of terrorism and money laundering activities, federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. What this means for you: when you apply for a loan, you will be asked for your name, address, date of birth, and other information that will allow us to identify you. You may also be asked to provide your driver’s license or other identifying documents.

If you have any questions regarding these Terms of Use, please contact us:

LendEra LLC

Phone: (855) 259-9288

Email: info@lenderalending.com

By providing your mobile number and opting in, you agree to receive text messages from Lendera LendEra LLC on behalf of our Clients related to the program you joined (e.g., alerts, updates, and offers). Message frequency may vary. Message & data rates may apply. You can opt out at any time by replying STOP; reply HELP for help. Providing a mobile number and consent to SMS is optional and is not required to purchase any goods or services. Mobile carriers are not liable for delayed or undelivered messages.