Disclaimer - MyUSAFinance

General Disclaimer

The information provided on MyUSAFinance.com (the "Site") is for general informational purposes only. While we strive to keep the information accurate and up-to-date, we make no representations or warranties of any kind, express or implied, about the completeness, accuracy, reliability, suitability, or availability of the information, products, services, or related graphics contained on the Site.

MyUSAFinance Is Not a Lender

IMPORTANT: MyUSAFinance.com is not a lender, does not broker loans, and does not make credit decisions. We are a lead generation and marketing service that connects consumers with financial institutions and service providers.

We do not:

Approve or deny loan applications
Determine loan amounts, interest rates, or terms
Guarantee any loan approval or specific offers
Make any credit decisions
Provide financial advice or recommendations

No Guarantee of Services

MyUSAFinance does not guarantee:

That you will be matched with a lender or service provider
That you will be approved for any product or service
Any specific loan amount, APR, or loan terms
That the offers presented are the best available to you
The availability of any particular lender or service

All loan decisions and terms are determined solely by the lenders and financial institutions in our network based on their own underwriting criteria.

Representative Examples

Any loan amounts, APRs, terms, or other figures displayed on this Site are for illustrative purposes only and represent examples or ranges based on information from lenders in our network. These are not offers or guarantees. Actual terms offered to you will depend on:

Your creditworthiness
Income verification
Debt-to-income ratio
The lender's evaluation
State and federal regulations
Other factors determined by the lender

APR and Rate Information

Annual Percentage Rates (APRs) vary widely among lenders and depend on numerous factors. The APR you receive may be significantly different from any ranges or examples shown on this Site.

Personal Loans: APRs typically range from 5.99% to 35.99% depending on creditworthiness and other factors. Loan terms typically range from 3 months to 7 years.

Credit Cards: APRs typically range from 13.99% to 29.99% depending on the card type and your credit profile.

These are representative examples only. Your actual APR may be higher or lower.

Credit Checks and Credit Score Impact

Submitting your information through MyUSAFinance typically results in a "soft" credit inquiry that does not affect your credit score. However, if you proceed with a lender and they conduct a full application review, they may perform a "hard" credit inquiry, which may impact your credit score.

Multiple hard inquiries in a short period can negatively affect your credit score. We recommend limiting your loan applications to only those you seriously intend to pursue.

Not Financial Advice

The content on this Site does not constitute financial, legal, or tax advice. Nothing on this Site should be construed as a recommendation to take any particular action with respect to your finances.

Before making any financial decision, you should:

Carefully review all terms and conditions
Consult with qualified financial, legal, or tax professionals
Ensure you can afford the payments
Understand all fees and penalties
Consider alternatives to borrowing

State Availability

Not all loan products or services are available in all states. Lender participation and availability vary by state due to state-specific regulations and licensing requirements. The lenders in our network operate in compliance with applicable state and federal laws.

Third-Party Relationships

MyUSAFinance has marketing relationships with the lenders and service providers in our network and may receive compensation when you are connected with a provider or complete a transaction. This compensation does not affect the offers presented to you or your eligibility.

We are not responsible for the practices, policies, or performance of any lender or service provider in our network. Your relationship is directly with the lender or provider you choose, and all disputes should be resolved with them directly.

Accuracy of Information

While we make reasonable efforts to ensure information on the Site is current and accurate, we do not guarantee its accuracy, completeness, or timeliness. Lender offers, rates, and terms change frequently and may not always be reflected immediately on our Site.

You should verify all information directly with the lender or service provider before making any commitments.

Responsible Borrowing

Loans and credit products are serious financial obligations. Before borrowing:

Only borrow what you need and can afford to repay
Understand all terms, fees, and penalties
Consider the total cost of the loan, not just the monthly payment
Have a realistic plan for repayment
Be aware that failure to repay can result in serious financial consequences

Limitation of Liability

IN NO EVENT SHALL MyUSAFinance BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR EXEMPLARY DAMAGES ARISING FROM YOUR USE OF THE SITE OR ANY SERVICES OBTAINED THROUGH THE SITE.

This includes but is not limited to damages for loss of profits, goodwill, data, or other intangible losses, even if we have been advised of the possibility of such damages.

Changes to This Disclaimer

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

Contact Us

If you have questions about this Disclaimer, please contact us at:

Email: legal@myusafinance.com
Address: MyUSAFinance.com, 123 Financial Way, Suite 100, New York, NY 10001