Terms ofService

Agreement to Terms

By accessing or using Money Compass USA's website and services ("Services"), you agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, please do not use our Services.

Our Services

Money Compass USA is a loan comparison platform that connects consumers with lending partners. We:

• Are NOT a lender and do not make credit decisions
• Provide a free service to compare loan offers
• Facilitate connections between you and our lending partners
• Do not guarantee loan approval or specific rates
• Are compensated by lending partners when you accept an offer

Eligibility

To use our Services, you must:

• Be at least 18 years of age
• Be a legal U.S. resident
• Provide accurate and complete information
• Have the legal capacity to enter into binding contracts
• Not be prohibited from using our Services under applicable law

User Responsibilities

When using our Services, you agree to:

• Provide accurate, current, and complete information
• Maintain the security of your account credentials
• Notify us immediately of any unauthorized access
• Use the Services only for lawful purposes
• Not attempt to interfere with or disrupt our Services
• Not use automated tools to access our Services without permission
• Not misrepresent your identity or affiliation

Credit Checks

When you request rate information, we perform a soft credit inquiry that will NOT affect your credit score. If you choose to proceed with a loan application through a lender, that lender may perform a hard credit inquiry, which may impact your credit score.

No Guarantee of Loan Approval

We do not guarantee that you will receive loan offers or be approved for any loan. Approval decisions are made solely by our lending partners based on their own criteria. Rates, terms, and loan amounts are determined by the lenders, not by Money Compass USA.

Intellectual Property

All content on our website, including text, graphics, logos, images, and software, is the property of Money Compass USA or its licensors and is protected by copyright, trademark, and other intellectual property laws. You may not:

• Copy, modify, or distribute our content without permission
• Use our trademarks or branding without authorization
• Reverse engineer or attempt to extract source code
• Create derivative works based on our Services

Third-Party Links

Our Services may contain links to third-party websites or services. We are not responsible for the content, privacy policies, or practices of third-party sites. Your interactions with third parties are solely between you and them.

Disclaimer of Warranties

OUR SERVICES ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED. WE DISCLAIM ALL WARRANTIES, INCLUDING:

• Merchantability and fitness for a particular purpose
• Accuracy, reliability, or completeness of information
• Uninterrupted or error-free operation
• Security or absence of harmful components

Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, MONEY COMPASS USA SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR ANY LOSS OF PROFITS OR REVENUES, WHETHER INCURRED DIRECTLY OR INDIRECTLY, OR ANY LOSS OF DATA, USE, GOODWILL, OR OTHER INTANGIBLE LOSSES.

Indemnification

You agree to indemnify and hold harmless Money Compass USA, its affiliates, and their respective officers, directors, employees, and agents from any claims, damages, losses, liabilities, and expenses arising out of your use of our Services or violation of these Terms.

Termination

We reserve the right to suspend or terminate your access to our Services at any time, with or without cause or notice, for any reason including violation of these Terms.

Governing Law

These Terms 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.

Changes to Terms

We may modify these Terms at any time. We will notify you of material changes by posting the updated Terms on our website with a new effective date. Your continued use of our Services after changes take effect constitutes acceptance of the modified Terms.

Contact Information

For questions about these Terms, please contact us: