These Terms of Use ("Terms") govern your access to and use of the everestfundings.com website and loan-matching service (the "Service"). By using the site or submitting a request, you agree to these Terms and to our privacy policy. If you do not agree, please do not use the Service.
Eligibility to use the site
You may use the Service only if you are a U.S. resident who has reached the age of majority in your state, can form a binding contract, and are submitting a request for yourself.
You may not submit a request on behalf of another person, using another person's information, or for any purpose prohibited by law. Lenders apply their own eligibility rules, which may be stricter than ours.
No lender relationship and no credit decisions
We operate a loan-matching service, not a lender, broker or financial advisor. We do not make loans, make credit decisions, or set rates, fees or terms for any loan offered to you.
Submitting a request does not create a lender relationship between you and us. Any loan is made solely by a third-party lender under a separate agreement between you and that lender. We do not endorse any particular lender or product, and nothing on the site is financial, legal or tax advice. How we are paid is explained in our advertiser and lending disclosure.
Accuracy of information you submit
You agree that all information you provide through the request form is true, complete and current. Lenders rely on it to review your request, and inaccurate details can lead to delays or denials.
Submitting false or misleading information, including someone else's identity or financial details, is prohibited and may violate the law. You authorize us and lenders who receive your request to verify the information you provide, which may include checks with consumer reporting agencies.
Consent to be contacted
By submitting a request, you agree that we, lenders and partners in our network may contact you about your request by email, phone call or text message at the contact details you provided.
Calls and texts may be made using automated technology or prerecorded messages where permitted by law. Message and data rates may apply. Your consent to receive marketing calls or texts is not a condition of using the Service, and you can opt out at any time by replying STOP to a text, using an email unsubscribe link or contacting us.
Third-party lender terms
Every lender you are connected with has its own loan agreement, disclosures, privacy policy and terms of service. Those documents, not these Terms, govern any loan you accept.
Read each lender's terms carefully before you sign, including the APR, fees, payment schedule, late-payment policy and renewal policy. We are not responsible for a lender's products, conduct, decisions or communications.
No guarantee of offers or approval
We do not guarantee that you will receive an offer, be approved, receive any specific amount, rate or term, or receive funds by any particular time. All of those outcomes depend on the lender.
Rate ranges, payment examples and calculator results on our site are estimates for educational purposes. Your actual terms may be higher or lower.
Intellectual property
All content on the site, including text, graphics, logos, page design and software, belongs to us or our licensors and is protected by copyright, trademark and other laws.
You may view and print pages for your own personal, non-commercial use. You may not copy, republish, distribute, modify or create derivative works from site content without our prior written permission.
Prohibited uses
You agree to use the site lawfully and only for its intended purpose of learning about personal loans and submitting a genuine request for yourself.
- Submitting false, fraudulent or another person's information
- Using bots, scrapers or automated tools to access, copy or submit forms on the site
- Attempting to interfere with, probe or disable the site's security or performance
- Uploading malicious code or sending spam through any contact channel
- Reselling, framing or misrepresenting the Service or our relationship with you
We may suspend or block access for anyone who violates these Terms.
Disclaimers
The site and Service are provided "as is" and "as available" without warranties of any kind, express or implied, to the fullest extent permitted by law.
We do not warrant that the site will be uninterrupted, error-free or free of harmful components, or that information on it is always complete or current. You use the site and any lender's products at your own discretion.
Limitation of liability
To the fullest extent permitted by law, we and our owners, employees and service providers are not liable for indirect, incidental, special, consequential or punitive damages arising from your use of the site.
This includes damages arising from any loan, lender decision, lender communication or lender conduct. Where liability cannot be excluded, our total liability to you for any claim relating to the Service is limited to one hundred U.S. dollars. Some states do not allow certain limitations, so parts of this section may not apply to you.
Governing law
The laws of the State of Maine and applicable federal law govern these Terms, without regard to conflict-of-law principles.
You agree that any dispute relating to these Terms or the Service will be brought in the state or federal courts located in Maine, unless applicable law requires otherwise.
Changes to these Terms
We may update these Terms from time to time. The current version is always posted on this page, and changes take effect when posted unless we state otherwise.
Your continued use of the site after a change means you accept the updated Terms. If you do not agree with a change, stop using the Service.
Contact us about these Terms
Questions about these Terms can be sent by email to [email protected] or by phone to (888) 718-9044. Our support team will respond as soon as reasonably possible.
You can also write to us at 2659 Meadow Street, Suite 916, Augusta, ME 04330, or use our contact page.