Effective Date: January 1, 2025 | Last Updated: January 1, 2025
By accessing or using the Lending Orbits website at lendingorbits.com, you agree to be bound by these Terms and Conditions. Please read these terms carefully before using our website or services. If you do not agree to all of these terms, you are prohibited from using our site and must discontinue use immediately.
These Terms and Conditions constitute a legally binding agreement between you and Lending Orbits. Your continued use of the website following any changes to these terms constitutes your acceptance of the revised terms. We reserve the right to modify these terms at any time.
Lending Orbits provides an online loan matching and lead generation service that connects consumers with third-party lenders and financial service providers. Our service allows you to submit a single inquiry form and have your information shared with lenders in our network who may be willing to offer you a loan product.
The services we provide include presenting information about loan products, facilitating the submission of loan inquiries, and connecting users with potential lenders. We do not guarantee that using our service will result in a loan offer, approval, or funding. The availability, terms, and conditions of any loan are determined solely by the individual lenders.
We may modify, suspend, or discontinue any part of our services at any time without prior notice or liability to you.
Lending Orbits is not a lender and does not make lending decisions. We are a marketing and lead generation company that connects borrowers with independent third-party lenders. We do not issue loans, determine loan eligibility, set interest rates, or establish loan terms.
Any loan offer you receive through our platform is made by an independent third-party lender, not by Lending Orbits. We are not a party to any loan agreement between you and a lender. All lending decisions, including approvals, denials, rates, and terms, are made solely by the lender based on their own criteria and applicable laws.
Submitting an inquiry through our website does not constitute a loan application with any specific lender, nor does it guarantee that you will receive any loan offer.
To use our services, you must meet the following requirements:
By using our services, you represent and warrant that you meet all eligibility requirements. We reserve the right to refuse service to anyone who does not meet these requirements or who provides false or misleading information.
By using our website and services, you agree to the following responsibilities:
You understand that you are solely responsible for evaluating the suitability of any loan product for your financial situation. We strongly encourage you to seek independent financial advice before accepting any loan offer.
You may not use our website or services for any of the following purposes:
We reserve the right to terminate your access to our services if we determine you have engaged in any prohibited use, at our sole discretion and without prior notice.
All content on the Lending Orbits website, including but not limited to text, graphics, logos, images, icons, design elements, and software, is the property of Lending Orbits or its content suppliers and is protected by applicable intellectual property laws.
You are granted a limited, non-exclusive, non-transferable license to access and use our website for your personal, non-commercial purposes. This license does not permit you to reproduce, distribute, modify, create derivative works of, publicly display, or otherwise exploit any content from our site without our express written permission.
Any unauthorized use of our intellectual property may violate copyright, trademark, and other applicable laws and could result in legal action.
Our website and services are provided on an "as is" and "as available" basis without any warranties of any kind, either express or implied. To the fullest extent permitted by applicable law, Lending Orbits disclaims all warranties, including but not limited to implied warranties of merchantability, fitness for a particular purpose, and non-infringement.
We do not warrant that our website will be uninterrupted, error-free, secure, or free of viruses or other harmful components. We do not warrant the accuracy, completeness, or reliability of any content on our website or any information provided by third-party lenders.
We make no representations or warranties regarding any loan offers, rates, terms, or products made available through our platform by third-party lenders.
To the fullest extent permitted by applicable law, Lending Orbits, its officers, directors, employees, agents, and partners shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to loss of profits, data, use, goodwill, or other intangible losses, resulting from your use of or inability to use our services.
Our total liability to you for any claims arising from or relating to these terms or our services shall not exceed the greater of one hundred dollars ($100) or the amount you paid to use our services in the twelve months preceding the claim.
Some jurisdictions do not allow the exclusion of certain warranties or limitation of liability for consequential damages, so the above limitations may not apply to you in full.
You agree to defend, indemnify, and hold harmless Lending Orbits and its officers, directors, employees, agents, and partners from and against any claims, liabilities, damages, judgments, awards, losses, costs, expenses, or fees (including reasonable attorneys' fees) arising out of or relating to your violation of these Terms and Conditions or your use of our website and services.
This includes any claims arising from your submission of inaccurate information, your violation of any third party's rights, or your violation of any applicable law or regulation.
Our website may contain links to third-party websites and our services connect you with third-party lenders. These third parties have their own terms of service and privacy policies that govern your interactions with them. We are not responsible for the content, practices, or policies of any third-party sites or services.
Your interactions with third-party lenders, including any loan agreements you enter into, are solely between you and the lender. We encourage you to read the terms and privacy policy of any lender's website before providing information or accepting any offer.
We may receive compensation from lenders when we connect borrowers with them. This compensation may influence which lenders we choose to include in our network but does not affect the terms of any loan offer you receive.
These Terms and Conditions shall be governed by and construed in accordance with the laws of the United States and the state in which Lending Orbits is headquartered, without regard to its conflict of law provisions.
Any disputes arising from or relating to these terms or our services shall be resolved through binding arbitration in accordance with the rules of the American Arbitration Association, except that either party may seek injunctive or other equitable relief in a court of competent jurisdiction to prevent irreparable harm.
You agree to submit to the personal jurisdiction of the courts located in our state of incorporation for the purpose of litigating any claims that are not subject to arbitration.
We reserve the right to update or modify these Terms and Conditions at any time without prior notice. Changes will be effective immediately upon posting to our website. The date of the most recent revision will be indicated at the top of this page.
Your continued use of our website or services after any changes constitutes your acceptance of the new terms. We encourage you to review these terms periodically to stay informed of your rights and obligations.
If we make material changes that significantly affect your rights, we may provide additional notice through our website or by other means.
If you have questions about these Terms and Conditions or wish to report a violation, please contact us:
For questions about specific loan offers or lending decisions, please contact the relevant lender directly. We cannot answer questions on behalf of third-party lenders.