Terms of Service

1 Acceptance of Terms

By accessing or using LendlyUSA.com ("the Website," "Site," "we," "us," or "our"), you ("you," "user," "visitor") agree to be legally bound by these Terms of Service ("Terms"), our Privacy Policy, and any additional guidelines or policies referenced herein.

If you do not agree to these Terms, you must immediately discontinue use of the Site. Your continued use after any modification to these Terms constitutes acceptance of the revised Terms.

2 Eligibility

You must be at least 18 years of age and a resident of the United States to use LendlyUSA. By using the Site, you represent and warrant that you meet these eligibility requirements.

3 Limited Use License

We grant you a personal, non-exclusive, non-transferable, revocable license to access and use the Site solely for personal, non-commercial purposes. Under this license, you may not:

• Modify, copy, reproduce, or republish any content without our written permission
• Use any content for commercial purposes or public display
• Attempt to decompile or reverse engineer any software used on the Site
• Remove any copyright, trademark, or proprietary notices
• Mirror or reproduce any portion of the Site on another server

4 Editorial Content

All reviews, articles, opinions, ratings, and editorial content on LendlyUSA represent the independent views of our editorial team. We follow strict editorial standards documented on our About page.

Our reviews are based on publicly available information (including lender disclosures, BBB filings, customer reviews on Trustpilot, and SEC records). While we strive for accuracy, you should always verify loan terms directly with the lender before making any borrowing decision.

5 Not Financial Advice

We are not a lender, broker, loan originator, or financial advisor. Before making any financial decision, you should consult with a qualified financial professional licensed in your state.

6 Affiliate Relationships & Compensation

LendlyUSA is an advertising-supported website. We participate in affiliate marketing programs, including:

• APIdiamond.com — the form embedded on our homepage routes applications to a network of lenders
• Direct lender partnerships — we may earn commissions when readers click affiliate links and apply for loans

This compensation may influence the placement, but never the content, of our reviews. We disclose all material affiliate relationships in compliance with the FTC Endorsement Guides (16 CFR Part 255).

7 Intellectual Property

All content on LendlyUSA — including text, graphics, logos, icons, images, audio clips, data compilations, and software — is the property of LendlyUSA or its licensors and is protected by U.S. and international copyright, trademark, and other intellectual property laws.

Third-party trademarks (including "Lendly," "Quill Bank," "CCBank," and lender brand names) are the property of their respective owners. Use of these trademarks on our Site is solely for editorial commentary, comparison, and review — not for endorsement or affiliation.

8 Prohibited Uses

You agree not to use the Site to:

• Engage in fraudulent, illegal, or harmful activity
• Transmit malware, viruses, or harmful code
• Attempt to gain unauthorized access to our servers or other users' accounts
• Scrape, crawl, or otherwise harvest content using automated means without permission
• Impersonate any person or entity or misrepresent your affiliation
• Interfere with the proper functioning of the Site

9 Disclaimers

The Site is provided on an "AS IS" and "AS AVAILABLE" basis. To the fullest extent permitted by law, LendlyUSA disclaims all warranties, express or implied, including warranties of merchantability, fitness for a particular purpose, and non-infringement.

We do not warrant that:

• The Site will be uninterrupted, secure, or error-free
• All loan rate information, APR estimates, or product details will be 100% current or accurate
• Defects will be corrected
• Our servers are free from viruses or other harmful components

10 Limitation of Liability

To the maximum extent permitted by law, LendlyUSA and its officers, employees, contractors, and editorial team shall not be liable for any indirect, incidental, special, consequential, or punitive damages — including loss of profits, data, or use — arising from:

• Your use of, or inability to use, the Site
• Any borrowing decisions you make based on Site content
• Disputes with affiliated lenders or loan partners
• Unauthorized access to your data

In no event shall our total liability exceed one hundred U.S. dollars ($100) or the amount you paid us in the past twelve months, whichever is greater.

11 Governing Law & Dispute Resolution

These Terms shall be governed by and construed in accordance with the laws of the State of Delaware, United States, without regard to its conflict of law provisions.

Any dispute arising from these Terms or your use of the Site shall first be attempted in good faith through informal negotiation. If unresolved, disputes shall be settled by binding arbitration in accordance with the rules of the American Arbitration Association (AAA).

12 Contact

For questions regarding these Terms of Service:

• Legal Email: legal@lendlyusa.com
• General Inquiries: hello@lendlyusa.com