Terms & Conditions

Last Updated: February 9, 2025

Welcome to MoneyGator.net ("Website," "we," "us," or "our"). By accessing or using this Website, you agree to be bound by these Terms and Conditions ("Terms"). If you do not agree to these Terms, please do not use this Website.

1. Service Description

MoneyGator.net is NOT a lender. We are a free service that connects consumers with a network of lenders and financial service providers. We do not make credit decisions, broker loans, or make short-term cash loans or credit decisions. We do not charge fees for our service.

Submitting a loan request through our Website does not guarantee you will be connected with a lender, receive a loan offer, or obtain a loan. Lenders in our network may perform credit checks and verify your information before making a loan decision.

2. Eligibility

To use this Website and submit a loan request, you must:

• Be at least 18 years of age
• Be a U.S. citizen or permanent resident
• Have a valid Social Security Number
• Have an active checking account
• Have a regular source of income
• Have a valid email address and phone number

3. Information Accuracy

You agree to provide accurate, current, and complete information when submitting a loan request. Providing false or misleading information may result in denial of your loan request and may constitute fraud.

4. Consent to Communications

By submitting your information through our Website, you consent to receive communications from us and our network of lenders and partners via:

• Email
• Phone calls (including automated or prerecorded calls)
• SMS/text messages
• Mail

You may opt out of these communications at any time by following the unsubscribe instructions provided or by contacting us directly.

5. Credit Checks and Consumer Reports

By submitting a loan request, you authorize lenders in our network to obtain consumer reports and related information about you from one or more consumer reporting agencies, such as TransUnion, Experian, and Equifax. This may include a "soft" credit inquiry that does not affect your credit score initially, but a "hard" inquiry may be made if you accept a loan offer.

6. Third-Party Lenders

We are not responsible for the actions, products, or services of any lender or third party. Each lender has their own terms, conditions, and privacy policies. You should carefully review all terms before accepting any loan offer.

7. No Guarantees

We make no guarantees regarding:

• Approval of any loan request
• Specific loan amounts, rates, or terms
• The time it takes to receive funds
• The actions of any lender in our network

8. Intellectual Property

All content on this Website, including text, graphics, logos, and software, is the property of MoneyGator or its licensors and is protected by copyright and other intellectual property laws.

9. Limitation of Liability

To the maximum extent permitted by law, MoneyGator shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising out of your use of or inability to use this Website or any services obtained through this Website.

10. Indemnification

You agree to indemnify and hold harmless MoneyGator, its officers, directors, employees, and agents from any claims, damages, losses, or expenses arising out of your use of this Website or violation of these Terms.

11. Changes to Terms

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

12. Governing Law

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