Terms of Service

1. Acceptance of Terms

Welcome to UtahLoanRelief.com ("Site," "we," "us," or "our"). These Terms of Service ("Terms") govern your access to and use of our website and services. By accessing or using our Site, submitting information through our forms, or otherwise engaging with our 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.

We reserve the right to modify these Terms at any time. Changes will be effective immediately upon posting to the Site. Your continued use of the Site after changes are posted constitutes your acceptance of the modified Terms.

2. Description of Services

UtahLoanRelief.com operates a lead generation and referral service that connects consumers seeking debt relief and refinancing solutions with third-party lenders, debt relief companies, and financial service providers (collectively, "Partners").

2.1 What We Do

• Provide information about debt relief and refinancing options
• Collect your information through online forms
• Match you with one or more Partners who may be able to assist you
• Share your information with Partners for the purpose of providing you with quotes, offers, or services
• Facilitate communication between you and Partners

2.2 What We Are NOT

IMPORTANT DISCLAIMERS:

• We are NOT a lender. We do not make loans, extend credit, or make credit decisions.
• We are NOT a debt relief company. We do not provide debt settlement, debt consolidation, credit counseling, or bankruptcy services.
• We are NOT a financial advisor. We do not provide financial, legal, or tax advice.
• We are NOT a broker. We do not negotiate loan terms or debt settlement agreements on your behalf.
• We are NOT responsible for Partner services. We do not control, endorse, or guarantee the quality, accuracy, or legality of services provided by Partners.

3. Eligibility

To use our Site and services, you must:

• Be at least 18 years of age
• Be a legal resident of the United States (our services are primarily focused on Utah residents)
• Have the legal capacity to enter into binding contracts
• Provide true, accurate, current, and complete information
• Not be prohibited from receiving services under applicable laws

By using our Site, you represent and warrant that you meet these eligibility requirements.

4. No Guarantee of Approval or Results

IMPORTANT: Submitting information through our Site does NOT guarantee that:

• You will be matched with any Partner
• Any Partner will contact you or provide you with an offer
• You will be approved for any loan, debt relief program, or financial product
• You will receive favorable terms, reduced payments, or debt forgiveness
• Any particular outcome will result from using our services

Approval for loans and debt relief programs is determined solely by Partners based on their own eligibility criteria, which may include credit history, income, debt-to-income ratio, and other factors. We have no control over Partner decisions and make no representations or warranties regarding approval or terms.

5. User Obligations and Prohibited Conduct

5.1 You Agree To:

• Provide accurate, truthful, and complete information
• Update your information if it changes
• Use the Site and services only for lawful purposes
• Comply with all applicable federal, state, and local laws
• Review and understand all disclosures before submitting information
• Respond to Partners' communications in good faith if you are interested in their services

5.2 You Agree NOT To:

• Provide false, misleading, or fraudulent information
• Impersonate any person or entity
• Use automated systems (bots, scrapers) to access the Site
• Attempt to gain unauthorized access to our systems or networks
• Interfere with or disrupt the Site or services
• Transmit viruses, malware, or other harmful code
• Violate any laws or regulations
• Infringe on intellectual property rights
• Harass, threaten, or abuse us or our Partners
• Use the Site for any illegal or unauthorized purpose

We reserve the right to terminate your access to the Site and services if you violate these Terms or engage in prohibited conduct.

6. Information Sharing and Partner Relationships

6.1 Sharing Your Information

When you submit information through our Site, you authorize us to share your information with our Partners. This is the primary purpose of our service. Partners may use your information to:

• Evaluate your eligibility for their products or services
• Contact you by phone, email, SMS, or mail
• Provide you with quotes, offers, or other information
• Perform credit checks (soft or hard pulls)
• Process applications if you choose to proceed with them

6.2 Compensation Disclosure

We may receive compensation from Partners when you engage their services or when we refer your information to them. This compensation may include:

• Lead generation fees (paid when we send your information to a Partner)
• Referral commissions (paid if you obtain a loan or service from a Partner)
• Advertising revenue
• Other forms of payment or consideration

This compensation does not increase the cost of services you receive from Partners, but it does influence which Partners we work with and how we prioritize referrals. We may give preference to Partners who offer better compensation to us, subject to our assessment of Partner quality and appropriateness for your needs.

6.3 Partner Responsibility

Once your information is shared with a Partner, the Partner's use of your information is governed by the Partner's own privacy policy and terms, not ours. We are not responsible for:

• Partner privacy practices or data security
• Partner communications or marketing
• Partner eligibility decisions or loan terms
• Partner services, products, or business practices
• Any disputes between you and a Partner

We encourage you to review each Partner's privacy policy and terms before engaging with them.

7. Intellectual Property Rights

All content on the Site, including text, graphics, logos, images, software, and design, is the property of UtahLoanRelief.com or its licensors and is protected by copyright, trademark, and other intellectual property laws.

You may not:

• Copy, reproduce, distribute, or create derivative works from Site content
• Use our trademarks, logos, or brand names without written permission
• Remove or alter copyright, trademark, or other proprietary notices
• Frame or mirror any part of the Site

Limited personal, non-commercial use of the Site is permitted for the purpose of obtaining information about our services.

8. Third-Party Links and Services

Our Site may contain links to third-party websites, services, or resources that are not owned or controlled by us. We provide these links for your convenience only.

We are not responsible for:

• The content, accuracy, or opinions expressed on third-party sites
• Third-party privacy practices or terms of service
• Products, services, or information offered by third parties
• Any damage or loss resulting from your use of third-party sites

Your interactions with third-party sites are governed by the third party's terms and policies, not ours.

9. Disclaimer of Warranties

TO THE FULLEST EXTENT PERMITTED BY LAW, OUR SITE AND SERVICES ARE PROVIDED "AS IS," "AS AVAILABLE," AND "WITH ALL FAULTS," WITHOUT WARRANTIES OF ANY KIND.

We disclaim all warranties, express or implied, including but not limited to:

• Warranties of merchantability, fitness for a particular purpose, and non-infringement
• Warranties regarding accuracy, completeness, or reliability of information
• Warranties that the Site will be uninterrupted, secure, or error-free
• Warranties regarding Partner services, qualifications, or reliability
• Any warranties arising from course of dealing or usage of trade

We make no representations or warranties that:

• You will be approved for any loan or debt relief program
• You will receive favorable terms or reduced payments
• Using our services will improve your financial situation
• Information on the Site is accurate, current, or complete
• Partners are licensed, qualified, or reputable

Some jurisdictions do not allow the exclusion of certain warranties, so some of these exclusions may not apply to you.

10. Limitation of Liability

TO THE FULLEST EXTENT PERMITTED BY LAW, WE (AND OUR AFFILIATES, OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, AND LICENSORS) WILL NOT BE LIABLE FOR ANY DAMAGES ARISING FROM OR RELATED TO YOUR USE OF THE SITE OR SERVICES, INCLUDING:

• Direct, indirect, incidental, consequential, or punitive damages
• Lost profits, lost revenue, or lost business opportunities
• Loss of data or goodwill
• Personal injury or property damage
• Damages arising from Partner services or conduct
• Damages from unauthorized access to your information
• Damages from errors, viruses, or other harmful components

This limitation applies regardless of the legal theory (contract, tort, negligence, strict liability, or otherwise) and even if we have been advised of the possibility of such damages.

In jurisdictions that do not allow the limitation or exclusion of certain damages, our liability is limited to the fullest extent permitted by law. In no event shall our total liability exceed $100 or the amount you paid us in the past 12 months (whichever is greater).

11. Indemnification

You agree to indemnify, defend, and hold harmless UtahLoanRelief.com and its affiliates, officers, directors, employees, agents, licensors, and service providers from and against all claims, liabilities, damages, losses, costs, and expenses (including reasonable attorneys' fees) arising from or related to:

• Your use of the Site or services
• Your violation of these Terms
• Your violation of any law or regulation
• Your violation of any rights of a third party
• Any information you submit through the Site
• Your interactions with Partners

We reserve the right to assume the exclusive defense and control of any matter subject to indemnification, and you agree to cooperate with our defense of such claims.

12. Dispute Resolution and Arbitration

12.1 Informal Resolution

Before filing a claim, you agree to try to resolve the dispute informally by contacting us. We will try to resolve the dispute informally by contacting you via email. If a dispute is not resolved within 60 days of submission, you or we may bring a formal proceeding.

12.2 Binding Arbitration

PLEASE READ THIS SECTION CAREFULLY. IT AFFECTS YOUR LEGAL RIGHTS.

Except for disputes that qualify for small claims court, any dispute, claim, or controversy arising out of or relating to these Terms or your use of the Site or services shall be resolved by binding arbitration administered by the American Arbitration Association (AAA) in accordance with its Commercial Arbitration Rules.

The arbitration will be conducted in Utah (or another mutually agreed location), and judgment on the award may be entered in any court having jurisdiction. You and we agree that:

• Arbitration is final and binding
• There is no judge or jury in arbitration
• Court review of an arbitration award is limited
• Discovery may be more limited than in court

12.3 Class Action Waiver

YOU AND WE AGREE THAT EACH MAY BRING CLAIMS AGAINST THE OTHER ONLY IN YOUR OR OUR INDIVIDUAL CAPACITY, AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS OR REPRESENTATIVE PROCEEDING.

Unless both you and we agree otherwise, the arbitrator may not consolidate more than one person's claims and may not otherwise preside over any form of a representative or class proceeding.

12.4 Opt-Out Right

You have the right to opt out of this arbitration agreement by sending written notice of your decision to opt out to the email address in Section 17 within 30 days of first using the Site. If you opt out, all other parts of these Terms will continue to apply.

13. Governing Law and Venue

These Terms and any disputes arising from them shall be governed by and construed in accordance with the laws of the State of Utah, without regard to its conflict of law principles.

For any disputes not subject to arbitration, you agree to submit to the personal and exclusive jurisdiction of the state and federal courts located in Utah.

14. Termination

We may suspend or terminate your access to the Site and services at any time, with or without cause, with or without notice, effective immediately. This includes the right to:

• Block your IP address or device
• Refuse to process your requests
• Delete your information (subject to our retention obligations)

Upon termination, your right to use the Site and services immediately ceases. Sections of these Terms that by their nature should survive termination shall survive, including disclaimers, limitations of liability, indemnification, and dispute resolution provisions.

15. Severability

If any provision of these Terms is found to be invalid, illegal, or unenforceable, the remaining provisions shall continue in full force and effect. The invalid provision shall be modified to the minimum extent necessary to make it valid and enforceable.

16. Entire Agreement

These Terms, together with our Privacy Policy and TCPA & E-Sign Consent, constitute the entire agreement between you and us regarding the use of the Site and services and supersede all prior or contemporaneous understandings and agreements.

No waiver of any term shall be deemed a further or continuing waiver of such term or any other term. Our failure to assert any right or provision under these Terms shall not constitute a waiver of such right or provision.

17. Contact Information

If you have questions about these Terms, please contact us: