Please read these Terms of Service ("Terms") carefully before using the TriPoint Lending website and services.
1. Acceptance of Terms
By accessing or using TriPoint Lending's website ("Site") and services, you agree to be bound by these Terms and our Privacy Policy. If you do not agree to these Terms, do not use our Site or services.
2. Description of Services
TriPoint Lending is a loan marketplace that connects borrowers with third-party lenders. We do not make loans directly. We facilitate the loan application process by:
- Collecting your loan application information
- Submitting your application to our network of lenders
- Presenting you with loan offers from lenders
- Connecting you with the lender you choose
All loan terms, conditions, and agreements are between you and the lender. TriPoint Lending is not a party to the loan agreement.
3. Eligibility
To use our services, you must:
- Be at least 18 years old (19 in some states)
- Be a U.S. citizen or permanent resident
- Have a valid Social Security Number
- Have a valid email address and phone number
- Have an active checking account
- Meet minimum income requirements
4. User Responsibilities
You agree to:
- Provide accurate, complete, and current information
- Maintain the security of your account credentials
- Notify us immediately of any unauthorized use
- Use our services only for lawful purposes
- Not attempt to interfere with the proper functioning of our Site
- Not use automated systems to access our Site
5. Credit Authorization
By submitting a loan application, you authorize:
- TriPoint Lending and our lender partners to obtain your credit report
- A soft credit inquiry for pre-qualification (does not affect credit score)
- A hard credit inquiry if you proceed with a loan application (may affect credit score)
6. No Guarantee of Loan Approval
Submitting an application does not guarantee:
- That you will receive loan offers
- Approval from any lender
- Any specific loan terms, rates, or amounts
All lending decisions are made by individual lenders based on their own criteria.
7. Fees and Compensation
There is no fee to check your rate or submit an application through TriPoint Lending. We may receive compensation from lenders when you are connected with a lender or obtain a loan. This compensation does not affect the loan terms you are offered.
8. Intellectual Property
All content on the Site, including text, graphics, logos, and software, is the property of TriPoint Lending or its licensors and is protected by copyright and trademark laws. You may not:
- Copy, modify, or distribute our content without permission
- Use our trademarks or branding
- Reverse engineer any part of our Site
9. Disclaimer of Warranties
Our services are provided "AS IS" and "AS AVAILABLE" without warranties of any kind. We do not warrant that:
- Our Site will be uninterrupted or error-free
- Defects will be corrected
- Our Site is free of viruses or harmful components
- Results obtained from using our services will be accurate or reliable
10. Limitation of Liability
To the maximum extent permitted by law, TriPoint Lending shall not be liable for:
- Any indirect, incidental, special, or consequential damages
- Loss of profits, data, or use
- Damages arising from your use or inability to use our services
- Actions or inactions of third-party lenders
Our total liability shall not exceed $100.
11. Indemnification
You agree to indemnify and hold harmless TriPoint Lending from any claims, damages, losses, or expenses (including attorney fees) arising from:
- Your use of our services
- Your violation of these Terms
- Your violation of any third-party rights
12. Third-Party Links
Our Site may contain links to third-party websites. We are not responsible for the content, terms, or practices of these websites. Your use of third-party websites is at your own risk.
13. Modifications to Terms
We reserve the right to modify these Terms at any time. Changes will be effective immediately upon posting. Your continued use of our services after changes are posted constitutes acceptance of the modified Terms.
14. Termination
We may terminate or suspend your access to our services immediately, without notice, for any reason, including violation of these Terms.
15. Governing Law and Dispute Resolution
These Terms are governed by the laws of the State of California, without regard to conflict of law principles. Any disputes shall be resolved through binding arbitration in Orange County, California, except that either party may seek injunctive relief in court.
16. Severability
If any provision of these Terms is found to be unenforceable, the remaining provisions will remain in full force and effect.
17. Entire Agreement
These Terms, together with our Privacy Policy, constitute the entire agreement between you and TriPoint Lending regarding our services.
18. Contact Information
For questions about these Terms, contact us:
- Email: legal@tripointloanslending-247.com
- Phone: 1-800-874-7646
- Mail: TriPoint Lending, 123 Finance Way, Irvine, CA 92618
Important: By using TriPoint Lending's services, you acknowledge that you have read, understood, and agree to be bound by these Terms of Service.