Welcome to Monetories. These Terms of Service ("Terms") govern your access to and use of monetories.com (the "Site") and the services we provide (the "Services"). By accessing or using our Services, you agree to be bound by these Terms. If you do not agree, please do not use our Services.
Monetories operates an online comparison and matching service that connects consumers seeking financial products with a network of participating lenders and marketing partners. Monetories is not a lender, broker, or financial advisor. We do not:
To use our Services, you must:
By using our Services, you represent and warrant that you meet all eligibility requirements.
You agree to:
Submission of your information through our Site does not constitute an application for credit and does not guarantee that you will be matched with any lender or that any lender will offer you a loan. All lending decisions are made solely by the lenders in our network based on their own credit criteria. Monetories has no influence over lender decisions.
By submitting your information through our Services, you expressly authorize Monetories to:
By submitting the form on our Site, you provide your express written consent to receive communications from Monetories and our network of lenders and marketing partners, including:
You acknowledge that consent is not a condition of receiving any goods or services, and you may opt out at any time. Message and data rates may apply. Reply STOP to opt out of SMS messages or click "unsubscribe" in any email.
All loan terms, including interest rates, APRs, fees, and repayment schedules, are determined solely by the lender that may approve your application. Annual Percentage Rates may range from 5.99% to 35.99% for personal loans and 200% to 2,290% for short-term loans, depending on lender, loan amount, term, and credit profile. Lenders are required by federal law (including the Truth in Lending Act) to disclose all loan terms before you sign any loan agreement.
Our Services are available only in states where loan products advertised are legally offered. Certain loan types may not be available in all states. Residents of certain states may not be eligible for all products. By using our Services, you represent that you are not violating any law in your state of residence.
All content on the Site, including text, graphics, logos, images, and software, is the property of Monetories or its licensors and is protected by U.S. and international copyright, trademark, and other intellectual property laws. You may not copy, modify, distribute, sell, or lease any part of our Services without our prior written consent.
You may not:
THE SERVICES ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING WITHOUT LIMITATION WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. MONETORIES DOES NOT WARRANT THAT THE SERVICES WILL BE UNINTERRUPTED, ERROR-FREE, OR SECURE.
WE MAKE NO REPRESENTATIONS OR WARRANTIES REGARDING THE LENDERS IN OUR NETWORK OR THE TERMS OF ANY LOANS OFFERED. WE ARE NOT RESPONSIBLE FOR THE ACTIONS OR OMISSIONS OF ANY LENDER OR MARKETING PARTNER.
TO THE FULLEST EXTENT PERMITTED BY LAW, MONETORIES SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING LOSS OF PROFITS, DATA, OR GOODWILL, ARISING FROM YOUR USE OF THE SERVICES, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. OUR TOTAL LIABILITY SHALL NOT EXCEED $100.
You agree to indemnify, defend, and hold harmless Monetories, its affiliates, officers, directors, employees, and agents from any claims, damages, losses, or expenses (including reasonable attorneys' fees) arising from your use of the Services, violation of these Terms, or violation of any rights of another party.
Any disputes arising from these Terms or your use of the Services shall be resolved through binding arbitration in accordance with the rules of the American Arbitration Association. You waive your right to a jury trial and to participate in class action lawsuits.
These Terms are governed by the laws of the State of Delaware, United States, without regard to its conflict of laws principles. Any legal action must be brought in the federal or state courts located in Delaware.
We may modify these Terms at any time. Material changes will be posted on this page with an updated "Last Updated" date. Continued use of our Services after changes constitutes acceptance of the modified Terms.
We may terminate or suspend your access to the Services at any time, with or without notice, for any reason, including violation of these Terms. Upon termination, your right to use the Services will cease immediately.
These Terms, along with our Privacy Policy, constitute the entire agreement between you and Monetories regarding the Services and supersede all prior agreements.
If any provision of these Terms is found to be unenforceable, the remaining provisions shall remain in full force and effect.
For questions about these Terms, please contact us:
Monetories Legal Team
Email: legal@monetories.com
General Support: support@monetories.com
By using monetories.com, you acknowledge that you have read, understood, and agree to be bound by these Terms of Service.