Agreement to Terms
By accessing or using the Three Sticks Lending website and services ("Services"), you agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, do not use our Services.
Description of Services
Three Sticks Lending is a loan connection service that helps match borrowers with potential lenders who may offer personal installment loans. We are not a lender and do not make credit decisions or determine loan terms.
What We Do
- Collect loan request information from prospective borrowers
- Share your information with lenders and service providers in our network
- Facilitate connections between borrowers and potential lenders
- Provide educational information about loan options
What We Do Not Do
- We do not lend money or make credit decisions
- We do not guarantee you will receive a loan offer
- We do not determine loan terms, rates, or approval criteria
- We are not responsible for lender decisions or actions
Eligibility
To use our Services, you must:
- Be at least 18 years of age
- Be a legal resident of the United States
- Reside in a state where our services are available (excluding NY, AR, WV, VT)
- Have a valid Social Security number
- Have a valid bank account
- Provide accurate and complete information
Loan Request Process
Submitting a Request
When you submit a loan request through our website, you authorize us to:
- Share your information with lenders and service providers in our network
- Obtain consumer reports from credit bureaus to evaluate your creditworthiness
- Verify your identity and employment information
- Contact you via phone, email, or text message regarding your request
No Guarantee of Approval
Submitting a request does not guarantee you will receive a loan offer or be approved for credit. Lenders make their own independent decisions based on their criteria.
Credit Inquiries
By submitting a request, you authorize us and our network lenders to obtain consumer credit reports and related information. Initial inquiries are typically soft inquiries that do not affect your credit score. If you proceed with a lender's offer, they may perform a hard inquiry which can impact your credit score.
Accuracy of Information
You agree to provide accurate, current, and complete information when submitting a loan request. Providing false or misleading information may result in:
- Denial of your loan request
- Termination of your access to our Services
- Legal consequences, including potential fraud charges
You are responsible for updating any information that changes during the loan request process.
Communications
By using our Services, you consent to receive communications from us and our network partners via:
- Telephone (including automated calls and pre-recorded messages)
- Text/SMS messages
These communications may include information about your loan request, service updates, and marketing messages. You may opt out of marketing communications as described in our Privacy Policy, but you cannot opt out of service-related communications.
Third-Party Lenders
When you are matched with a lender, you will enter into a separate agreement directly with that lender. Each lender has its own terms, conditions, and privacy policy. We are not a party to any agreement between you and a lender and are not responsible for:
- Lender approval decisions
- Loan terms, rates, or fees
- Lender customer service or support
- Disputes between you and a lender
- Lender compliance with applicable laws
You should carefully review all loan documents before accepting any offer.
Prohibited Uses
You agree not to:
- Use our Services for any illegal purpose
- Provide false, inaccurate, or misleading information
- Impersonate any person or entity
- Attempt to gain unauthorized access to our systems
- Use automated systems (bots, scrapers) to access our Services
- Interfere with or disrupt our Services or servers
- Transmit viruses, malware, or other harmful code
- Violate any applicable laws or regulations
Intellectual Property
All content on our website, including text, graphics, logos, images, and software, is the property of Three Sticks Lending 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
- Create derivative works based on our content
- Reverse engineer any aspect of our Services
Disclaimers
No Warranty
Our Services are provided "as is" and "as available" without any warranties of any kind, either express or implied. We do not warrant that:
- Our Services will be uninterrupted or error-free
- Defects will be corrected
- Our website is free of viruses or harmful components
- You will receive a loan offer or be approved for credit
- Information on our website is accurate or complete
Not Financial Advice
Information provided through our Services is for general informational purposes only and does not constitute financial, legal, or professional advice. You should consult with appropriate professionals before making financial decisions.
Limitation of Liability
To the fullest extent permitted by law, Three Sticks Lending and its officers, directors, employees, and agents shall not be liable for:
- Any indirect, incidental, special, consequential, or punitive damages
- Loss of profits, revenue, data, or use
- Actions or omissions of third-party lenders or service providers
- Errors or inaccuracies in information provided
- Unauthorized access to your personal information
- Interruptions or cessation of our Services
Our total liability to you for any claims arising from your use of our Services shall not exceed $100.
Indemnification
You agree to indemnify, defend, and hold harmless Three Sticks Lending and its affiliates from any claims, damages, losses, liabilities, and expenses (including attorney's fees) arising from:
- Your use of our Services
- Your violation of these Terms
- Your violation of any third-party rights
- Any information you provide through our Services
Dispute Resolution
Informal Resolution
Before filing a claim, you agree to contact us at contact@threesticks-lending.com to attempt to resolve the dispute informally.
Governing Law
These Terms are governed by the laws of the United States and the state in which you reside, without regard to conflict of law principles.
Arbitration
Any disputes arising from these Terms or our Services shall be resolved through binding arbitration rather than in court, except that you may assert claims in small claims court if they qualify. The arbitration will be conducted by a neutral arbitrator in accordance with applicable arbitration rules.
Class Action Waiver
You agree to resolve disputes on an individual basis only. You waive any right to participate in a class action lawsuit or class-wide arbitration.
Termination
We reserve the right to terminate or suspend your access to our Services at any time, without notice, for any reason, including if we believe you have violated these Terms. Upon termination, your right to use our Services will immediately cease.
Changes to Terms
We may modify these Terms at any time by posting the updated Terms on our website. Your continued use of our Services after changes are posted constitutes your acceptance of the modified Terms. We encourage you to review these Terms periodically.
Severability
If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions will continue in full force and effect.
Entire Agreement
These Terms, together with our Privacy Policy, constitute the entire agreement between you and Three Sticks Lending regarding our Services and supersede any prior agreements.
Contact Information
If you have questions about these Terms, please contact us:
Three Sticks Lending
Email: contact@threesticks-lending.com
Website: threesticklendings.com