Terms & Conditions
Please read these terms and conditions carefully before using our loan connecting service. Your use of our service constitutes acceptance of these terms.
Secure & Legal
All terms comply with federal and state regulations
Clear Terms
Transparent and easy to understand conditions
Fair Practice
Ethical lending practices and consumer protection
Important Agreement Terms
By accessing the shinyloans.com website, you agree to be legally bound by these applicable terms and conditions.
Loan Connecting Service
The loan connecting service (the "Service") we do provide concludes in connecting our clients with prospective lenders existing within our network (the "Lender Partners"). To use our Service, you must apply by completing an online request form (a "Request Form") whereby some personal information is requested from you. This includes your name, address, telephone number, email address, social security number, bank account information, and employment information. The collection, processing and use of the information provided shall be subject to the Website's Privacy Policy.
Decisions
The Shinyloans is not a lender and has no capacity to make any decisions regarding the loans and/or credits. No guarantee is provided by the Shinyloans that the Lender Partner will make a loan offer to you or that any such offer will constitute specific loan terms and/or conditions. Once you submit a Request Form, the shinyloans.com shares your information with our Lender Partners in accordance with the Privacy policy of the Website. By submitting a Request Form, You also give your consent on that the Shinyloans and the Lender Partners get entitled to contact you by different communication means (including email, telephone, SMS, and direct mail) for the purposes of being able to assist you in processing your Request Form or provide information to you about additional offers at the moment or at some point in the future.
Electronic Disclosure
By Submitting your Request Form you agree to receive notifications, disclosures, and other documents and communications both from the shinyloans.com and from our Lender Partners. It shall be noted that the Lender Partner is entitled to require from you to execute an electronic loan contract to proceed further cooperation. This electronic loan contract will be construed as a legal document and will have the same legal force as if it were in paper form. And your electronic signature will be as valid as a physical signature on a paper loan contract.
Accuracy
You represent that the information you provide through your Request Form is accurate and truthful otherwise the shinyloans.com is entitled to deny, suspend, or terminate your use of our Service.
Features, Functions, and Access to the Service
The Shinyloans reserves the right to change and/or update any and all information, features, or functions referring the Service without any prior notice. The Shinyloans also reserves the right to deny your access to all or part of the Service without any prior notice in case it qualifies (in its sole discretion) your conduct or activities as violation to or otherwise inappropriate towards these Terms, the rights of the Shinyloans or any other third party.
Disclaimers and Limitations
IN NO EVENT SHALL THE SHINYLOANS BE LIABLE FOR SPECIAL, INCIDENTAL OR CONSEQUENTIAL DAMAGES OF ANY KIND WHATSOEVER, INCLUDING WITHOUT LIMITATION, DAMAGES ARISING FROM LOSS OF USE, LOSS OF ANY ASSET OR LOSS OF REVENUE OR PROFIT. THE WEBSITE AND THE INFORMATION, SOFTWARE, PRODUCTS, AND SERVICES INCLUDED HEREIN AND/OR OTHERWISE ASSOCIATED WITH IT ARE PROVIDED ON "AS IS" BASIS. THE SHINYLOANS HEREBY EXPRESSLY DISCLAIMS ANY WARRANTY OF ANY KIND, WHETHER EXPRESS OR IMPLIED, AS TO ANY MATTER WHATSOEVER RELATING TO THE WEBSITE AND ANY INFORMATION, PRODUCTS, SERVICES OR SOFTWARE, PROVIDED HEREIN, AND/OR OTHERWISE ASSOCIATED WITH IT.
Indemnity Clause
Hereby you agree to indemnify the shinyloans.com and the Lender Partners from and against any and all liabilities, expenses (including attorney's fees) and damages arising out of any claims resulting from your use of the Website.
Links to Third Parties
The Website may contain links to other websites operated by Lender Partners or other third parties. Those links shall be construed for your reference only. The Shinyloans does not operate or otherwise control any information, software, products, or services available on and provided by such third party websites.
Dispute Resolution
Any claim arising out of or relating to the use of this Website, to the use of the Service, or to any acts or omission for which you may contend the shinyloans.com is liable (a "Dispute"), shall be settled exclusively by binding arbitration in accordance with the commercial arbitration rules of the American Arbitration Association in effect at that time. The arbitration will be conducted in Los Angeles, California and judgment on the arbitration award may be entered into any court of competent jurisdiction. BY AGREEING TO THESE TERMS, YOU GIVE UP YOUR RIGHT TO DO ATTEMPTS IN TERMS OF SETTLING ANY DISPUTES ARISEN WITH THE shinyloans.com IN A COURT OF LAW OR BEFORE A JURY.
SMS Terms & Conditions
As soon as you provide your mobile phone number, you are opting in to communications via SMS from the Shinyloans and the Lender Partners. These communications may include a follow-up SMS message containing a link to your completed loan Request Form, payment reminders from Lender Partners, and future offers. The Shinyloans shall not be responsible for any and all fees that your wireless carrier or other third parties may charge you for use of this Service.
Key Highlights
Important points you should know about our terms and conditions
Important Notice
Loan Connecting Service: ShinyLoans is NOT a direct lender. We connect you with independent third-party lenders who may offer you a loan.
No Guarantee: Submitting a request does not guarantee approval or specific loan terms. All decisions are made by individual lenders.
Binding Agreement: These terms constitute a legally binding agreement between you and ShinyLoans.
Your Rights
- • Right to cancel within 2 days
- • Right to transparent terms
- • Right to privacy protection
- • Right to dispute resolution
Your Responsibilities
- • Provide accurate information
- • Meet age and income requirements
- • Comply with all terms
- • Use service legally and ethically
Additional Terms
📱Other Terms
Severability
If any clause, provision or part of these Terms becomes unenforceable or invalid pursuant to applicable legislation, such clause shall be deemed superseded by a valid and enforceable provision that most closely correlates the true intent of the original clause.
Waiver
Any failure by ShinyLoans to exercise or enforce any right or provision of these Terms shall not be construed as a waiver of such right or provision.
Governing Law
These Terms constitute the entire agreement between you and ShinyLoans. These Terms shall be governed by the laws of California without regard to its conflict of law principles.
Updates
These Terms may be subject to revision and amendment by ShinyLoans at any time by posting the revised terms on the website. Amended terms become effective immediately upon posting.
Agreement Acceptance
By using our service, you acknowledge that you have read, understood, and agree to be bound by these Terms & Conditions. If you do not agree to these terms, please do not use our service.