Terms and Conditions
Effective Date: [Insert Date]
Welcome to Lending Capital (the “Website”, “we”, “our”, or “us”). By accessing or using our website at www.lendingcapital.us, you agree to comply with and be bound by the following Terms and Conditions. If you do not agree with these terms, please do not use our services.
1. Loan Matching Platform Only
Lending Capital is not a direct lender. We operate as a loan matching platform that connects users with third-party lenders and financial service providers across the USA. All loan offers are subject to approval by the lender, and we do not guarantee loan approval or specific loan terms.
2. Eligibility
To use our services, you must:
Be at least 18 years old
Be a U.S. citizen or legal resident
Provide accurate and truthful information
Have a valid checking account (for deposit of funds)
3. No Guarantee of Approval
Submission of an application does not guarantee that you will receive a loan or any specific offer. Loan approval, terms, interest rates, and funding timeframes are determined solely by the third-party lenders.
4. Credit Authorization
By submitting a loan application through our website, you authorize us and/or our lending partners to verify your creditworthiness and conduct credit checks as required.
5. Fees & Rates
Lending Capital does not charge users any fees for using our platform. However, third-party lenders may charge interest, fees, or penalties according to their loan agreements. Always review and understand the lender’s terms before accepting a loan offer.
6. Use of Website
You agree to use this website only for lawful purposes. You may not:
Misrepresent your identity or financial information
Attempt to gain unauthorized access to our platform or servers
Use bots, scripts, or other automated systems to abuse our services
7. Intellectual Property
All content on this website—including text, logos, graphics, and software—is the property of Lending Capital or its content suppliers. You may not reproduce, modify, distribute, or exploit our content without prior written consent.
8. Privacy
We value your privacy. Please refer to our Privacy Policy to understand how your data is collected, used, and protected.
9. Third-Party Links
Our website may contain links to third-party websites or loan providers. We are not responsible for the content or practices of these websites and encourage you to review their terms and policies.
10. Limitation of Liability
Lending Capital is not liable for any direct or indirect damages arising from your use of the website or your interactions with lenders. We are not responsible for loan decisions, terms, payments, or disputes between you and any third party.
11. Changes to These Terms
We reserve the right to update or modify these Terms and Conditions at any time without prior notice. Continued use of the site following changes indicates your acceptance of the new terms.
12. Governing Law
These terms are governed by and construed in accordance with the laws of the United States. Any disputes shall be resolved in accordance with applicable federal or state law.
📧 Contact Us
If you have any questions about these Terms and Conditions, feel free to contact us:
Email: contact@lendingcapital.us