Terms of Service

1. Introduction

Welcome to QuickLoansDirect.com ("QuickLoansDirect," "we," "us," or "our"). These Terms of Service ("Terms") govern your access to and use of the QuickLoansDirect website located at quickloansdirect.com (the "Site"), including all content, functionality, and services offered on or through the Site.

By accessing or using the Site, you agree to be bound by these Terms. If you do not agree to these Terms, you must not access or use the Site. We reserve the right to modify these Terms at any time, and your continued use of the Site following any changes constitutes acceptance of those changes.

2. Eligibility

To use the Site and submit an application through our platform, you must meet the following requirements:

• You must be at least 18 years of age or the age of majority in your jurisdiction, whichever is greater.
• You must be a legal resident of the United States or a U.S. territory.
• You must be an owner, officer, or authorized representative of a business entity that is seeking funding.
• You must have the legal authority to bind the business entity you represent to these Terms and any resulting agreements with lending partners.

By submitting an application, you represent and warrant that all information you provide is truthful, accurate, and complete to the best of your knowledge. Providing false or misleading information is a violation of these Terms and may result in disqualification from our services.

3. Not a Lender Disclaimer

QuickLoansDirect is NOT a lender, bank, or financial institution. We operate as a lead generation and business funding marketplace that connects business owners with third-party lending partners. We do not make lending or funding decisions, do not issue loans or advances, and do not determine the terms, conditions, or rates of any financial product.

When you submit an application through our Site, your information is shared with one or more lending partners in our network who will independently evaluate your application based on their own underwriting criteria. Any offer you receive is made solely by the lending partner, and any agreement you enter into is solely between you and that lending partner.

QuickLoansDirect does not guarantee that you will be matched with a lender, receive any offers, or be approved for funding. We do not endorse, warrant, or guarantee the products, services, or terms offered by any lending partner in our network.

4. Data Collection and Use

When you use our Site or submit an application, we collect personal and business information as described in our Privacy Policy. This information may include your name, email address, phone number, business name, business type, revenue figures, requested loan amount, and other data relevant to your funding needs.

By submitting your information through our Site, you expressly consent to the collection, processing, storage, and use of your data as described in these Terms and our Privacy Policy. You also consent to being contacted by QuickLoansDirect and our lending partners regarding your application and related services.

5. Privacy

Your privacy is important to us. Our collection, use, and disclosure of your personal information is governed by our Privacy Policy, which is incorporated into these Terms by reference. Please review our Privacy Policy carefully to understand our practices regarding your information.

We implement commercially reasonable security measures to protect your personal data. However, no method of electronic transmission or storage is 100% secure, and we cannot guarantee absolute security. You acknowledge and accept this inherent risk when using our services.

6. Third-Party Sharing

As a lead generation platform, the core function of our service is to share your application information with third-party lending partners who may be able to assist with your funding needs. By submitting an application, you expressly consent to the sharing of your information with:

• Lending Partners: Third-party lenders, funders, and financial institutions in our network who may evaluate your application and contact you with offers.
• Service Providers: Companies that help us operate our business, including CRM platforms, analytics providers, email services, and hosting providers.
• Marketing Partners: Third parties with whom we may share information for marketing purposes, subject to applicable law and your opt-out preferences.

Once your information is shared with a lending partner, that partner's own privacy policy and terms of service will govern their use of your data. We encourage you to review the privacy practices of any third party before entering into an agreement with them.

7. SMS/Phone Consent

By providing your phone number and submitting an application on our Site, you provide express written consent to receive communications from QuickLoansDirect and our lending partners via:

• Telephone calls, including calls made using automatic telephone dialing systems or prerecorded/artificial voice messages.
• SMS (text) messages regarding your application, funding options, and related services.
• Email communications regarding your application status, offers, and marketing materials.

You understand that consent is not a condition of purchasing any goods or services. Message and data rates may apply. Message frequency may vary. You may opt out of text messages at any time by replying STOP to any text message you receive from us, or by contacting us at support@quickloansdirect.com. You may opt out of phone calls by informing the caller or contacting us directly.

8. No Guarantee of Funding

QuickLoansDirect does not guarantee that you will receive any funding offers, be approved for financing, or receive any specific loan amount, rate, or terms. The availability and terms of funding depend entirely on the independent evaluation by our lending partners based on their own underwriting criteria.

Any information provided on our Site regarding potential funding amounts, rates, or terms is for illustrative purposes only and does not constitute a commitment, offer, or guarantee of any kind. Pre-qualification or pre-approval indicators on our Site are preliminary estimates and are subject to change based on the lending partner's full review of your application.

You acknowledge that submitting an application does not create any obligation on the part of QuickLoansDirect or any lending partner to provide you with funding.

9. Intellectual Property

All content, features, and functionality on the Site — including but not limited to text, graphics, logos, icons, images, audio clips, digital downloads, data compilations, software, and the overall design and layout — are the exclusive property of QuickLoansDirect or its licensors and are protected by United States and international copyright, trademark, patent, trade secret, and other intellectual property laws.

You may not reproduce, distribute, modify, create derivative works of, publicly display, publicly perform, republish, download, store, or transmit any of the material on our Site without our prior written consent, except as permitted by applicable law. The QuickLoansDirect name, logo, and all related names, logos, product and service names, designs, and slogans are trademarks of QuickLoansDirect. You may not use such marks without our prior written permission.

10. Limitation of Liability

TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, QUICKLOANSDIRECT, ITS OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, AFFILIATES, AND LICENSORS SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO LOSS OF PROFITS, REVENUE, DATA, BUSINESS OPPORTUNITIES, OR GOODWILL, ARISING OUT OF OR IN CONNECTION WITH YOUR USE OF OR INABILITY TO USE THE SITE OR OUR SERVICES, WHETHER BASED ON WARRANTY, CONTRACT, TORT (INCLUDING NEGLIGENCE), STATUTE, OR ANY OTHER LEGAL THEORY.

IN NO EVENT SHALL OUR TOTAL LIABILITY TO YOU FOR ALL CLAIMS ARISING OUT OF OR RELATING TO THE SITE OR THESE TERMS EXCEED ONE HUNDRED DOLLARS ($100.00). THIS LIMITATION APPLIES WHETHER THE ALLEGED LIABILITY IS BASED ON CONTRACT, TORT, NEGLIGENCE, STRICT LIABILITY, OR ANY OTHER BASIS, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

QuickLoansDirect is not responsible for any actions, decisions, or outcomes related to funding provided by lending partners in our network. Any disputes regarding funding terms, disbursement, or repayment are solely between you and the applicable lending partner.

11. Governing Law

These Terms and any disputes arising out of or related to these Terms or the Site shall be governed by and construed in accordance with the laws of the State of New York, without regard to its conflict of law provisions.

Any legal action or proceeding arising out of or relating to these Terms shall be brought exclusively in the state or federal courts located in New York County, New York. You consent to the personal jurisdiction of such courts and waive any objection to the laying of venue in such courts on the basis of forum non conveniens or any other basis.

If any provision of these Terms is found to be invalid, illegal, or unenforceable, the remaining provisions shall continue in full force and effect. Our failure to enforce any right or provision of these Terms will not be considered a waiver of that right or provision.

12. Changes to Terms

We reserve the right to revise and update these Terms at our sole discretion at any time. All changes are effective immediately when we post them and apply to all access to and use of the Site thereafter.

Your continued use of the Site following the posting of revised Terms means that you accept and agree to the changes. You are expected to check this page periodically so you are aware of any changes, as they are binding on you. The "Last updated" date at the top of this page indicates when these Terms were last revised.

13. Contact Us

If you have any questions about these Terms of Service, please contact us at: