Terms of Service

Last Updated: December 11, 2025

1. Acceptance of Terms

By accessing, browsing, or using WithUYouLoansApply.com (the "Site"), you acknowledge that you have read, understood, and agree to be bound by these Terms of Service and our Privacy Policy. These Terms constitute a legally binding agreement between you ("you" or "User") and WithUYouLoansApply.com ("we," "us," or "our").

If you do not agree to these Terms, you must immediately stop using our Site.

2. Changes to Terms

We reserve the right to modify, amend, or update these Terms at any time, at our sole discretion. When we make changes, we will:

• Update the "Last Updated" date at the top of these Terms
• Provide notice of material changes on our Site or via email (if you have provided your email)
• Give you the opportunity to review the updated Terms before they take effect

Your continued use of the Site after changes take effect constitutes your acceptance of the revised Terms. We encourage you to review these Terms periodically.

3. Nature of Our Service

3.1 What We Are

WithUYouLoansApply.com is an independent financial information and advisory service. We provide:

• Expert guidance and education about WithU loans and personal finance
• Comprehensive information about loan products, rates, and terms
• Tools and calculators to help you understand borrowing costs
• Professional advice from CFP® and CPA certified financial advisors

3.2 What We Are NOT

4. Eligibility and User Requirements

4.1 Age Requirement

You must be at least 18 years old to use our Site. By using the Site, you represent and warrant that you are at least 18 years of age. If you are under 18, you are not permitted to use the Site.

4.2 Legal Capacity

You must have the legal capacity to enter into binding contracts. By using our Site, you represent that:

• You are legally capable of entering into contracts
• You are not prohibited from using our services under applicable law
• All information you provide is accurate and truthful

4.3 Geographic Restrictions

Our Site is primarily intended for users located in the United States. If you access our Site from outside the United States, you do so at your own risk and are responsible for compliance with local laws.

5. User Conduct and Prohibited Activities

5.1 Permitted Use

You may use our Site for:

• Researching WithU loans and personal finance topics
• Accessing educational content and resources
• Using our calculators and tools for personal financial planning
• Contacting us with questions or feedback

5.2 Prohibited Activities

You agree NOT to:

• Misuse our Site: Use the Site for any unlawful purpose or in violation of these Terms
• Provide False Information: Submit false, inaccurate, or misleading information
• Impersonate Others: Impersonate any person or entity, or falsely represent your affiliation
• Scrape or Harvest: Use automated tools to scrape, harvest, or collect information from our Site
• Interfere with Site Operation: Disrupt, damage, or impair the functioning of our Site or servers
• Attempt Unauthorized Access: Hack, breach, or circumvent security measures
• Transmit Harmful Content: Upload viruses, malware, or other harmful code
• Spam or Solicit: Send unsolicited communications or engage in commercial solicitation
• Violate Intellectual Property: Copy, reproduce, or distribute our content without permission
• Engage in Fraudulent Activity: Use the Site for fraud, scams, or deceptive practices

5.3 Consequences of Violation

Violation of these Terms may result in:

• Immediate termination of your access to the Site
• Legal action, including civil and criminal prosecution
• Reporting to law enforcement authorities
• Liability for damages and costs, including legal fees

6. Intellectual Property Rights

6.1 Our Ownership

All content on our Site is owned by or licensed to WithUYouLoansApply.com and is protected by:

• Copyright laws
• Trademark laws
• Patent laws
• Trade secret laws
• Other intellectual property laws

Protected content includes:

• Text, articles, guides, and educational materials
• Graphics, logos, images, and photographs
• Calculators, tools, and interactive features
• Software code, databases, and algorithms
• Design, layout, and user interface
• Trademarks and service marks

6.2 Limited License

We grant you a limited, non-exclusive, non-transferable, revocable license to:

• Access and view content on our Site for personal, non-commercial use
• Print or download individual pages for personal reference
• Share links to our content on social media

6.3 Restrictions

You may NOT:

• Reproduce, distribute, or publicly display our content without written permission
• Create derivative works based on our content
• Use our content for commercial purposes
• Remove copyright notices or proprietary markings
• Frame or embed our content on other websites without permission

6.4 Trademarks

"WithUYouLoansApply," our logo, and related marks are trademarks or service marks of WithUYouLoansApply.com. You may not use these marks without our prior written consent.

Note: "WithU" is a trademark of WithU LLC. We are not affiliated with, endorsed by, or sponsored by WithU LLC.

7. User-Generated Content

7.1 Submission of Content

If you submit content to our Site (such as comments, reviews, testimonials, or feedback), you grant us:

• A worldwide, non-exclusive, royalty-free, perpetual, irrevocable license
• To use, reproduce, modify, adapt, publish, translate, and distribute your content
• In any media, format, or technology now known or later developed

7.2 Your Responsibilities

You represent and warrant that any content you submit:

• Is accurate and truthful
• Does not violate any third-party rights (copyright, trademark, privacy, etc.)
• Does not contain defamatory, obscene, or unlawful material
• Does not contain viruses or harmful code

7.3 Content Moderation

We reserve the right to:

• Review, edit, or remove any user-generated content at our discretion
• Refuse to post or distribute content that violates these Terms
• Take action against users who submit inappropriate content

8. No Financial Advice Guarantee

8.1 General Information Only

Our content is general in nature and may not address your particular financial circumstances, goals, or needs. You should:

• Consult with a qualified financial advisor for personalized advice
• Consider your individual circumstances before making financial decisions
• Verify information with lenders before applying for loans
• Read and understand all loan terms and disclosures

8.2 No Guarantee of Results

We do not guarantee:

• That you will be approved for any loan
• Specific interest rates, terms, or loan amounts
• Financial success or positive outcomes
• Accuracy of third-party information (such as lender rates)

9. Third-Party Links and Services

9.1 External Links

Our Site may contain links to third-party websites, including:

• WithU's official website
• Other lender websites
• Financial education resources
• Government and regulatory sites

9.2 No Endorsement

The presence of a link does not imply:

• Endorsement of the linked site or its content
• Affiliation or partnership with the linked site
• Responsibility for the linked site's content or practices

9.3 Your Responsibility

When you leave our Site:

• You are subject to the terms and privacy policies of the destination site
• We are not responsible for any loss or damage from your use of third-party sites
• You should review the terms and policies of any site you visit

10. Disclaimers of Warranties

TO THE FULLEST EXTENT PERMITTED BY LAW, OUR SITE AND SERVICES ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED.

10.1 No Warranties

We disclaim all warranties, including but not limited to:

• Merchantability: Fitness for a particular purpose
• Accuracy: Completeness or reliability of information
• Availability: Uninterrupted or error-free operation
• Security: Complete security of data or transmissions
• Non-Infringement: Freedom from third-party claims

10.2 Information Accuracy

While we strive for accuracy, we do not warrant that:

• Information on our Site is current, complete, or error-free
• Interest rates, terms, or lender information are accurate or up-to-date
• Calculations or tools produce accurate or reliable results
• Content is free from technical errors or omissions

11. Limitation of Liability

TO THE FULLEST EXTENT PERMITTED BY LAW, IN NO EVENT SHALL WITHUYOULOANSAPPLY.COM, ITS OWNERS, EMPLOYEES, AGENTS, OR AFFILIATES BE LIABLE FOR:

11.1 Types of Damages

• Direct Damages: Any direct, indirect, incidental, special, or consequential damages
• Financial Losses: Loss of profits, revenue, data, or business opportunities
• Loan-Related Losses: Losses resulting from loan applications, approvals, or denials
• Reliance on Information: Damages from reliance on information provided on our Site
• Unauthorized Access: Damages from unauthorized access to or alteration of your data
• Third-Party Actions: Actions or inactions of third parties, including lenders

11.2 Maximum Liability

Our total liability to you for any claims arising from your use of our Site shall not exceed:

• $100 USD, or
• The amount you paid us (if any) in the 12 months preceding the claim

11.3 Applicability

These limitations apply regardless of:

• The legal theory of liability (contract, tort, negligence, strict liability, etc.)
• Whether we were advised of the possibility of such damages
• Whether other remedies fail of their essential purpose

12. Indemnification

You agree to indemnify, defend, and hold harmless WithUYouLoansApply.com, its owners, employees, agents, and affiliates from any claims, liabilities, damages, losses, costs, or expenses (including reasonable attorneys' fees) arising from:

• Your use or misuse of our Site
• Your violation of these Terms
• Your violation of any third-party rights, including intellectual property or privacy rights
• Any content you submit or post on our Site
• Your fraudulent or illegal activities

13. Dispute Resolution and Arbitration

13.1 Governing Law

These Terms are governed by the laws of the State of [State], United States, without regard to conflict of law principles.

13.2 Arbitration Agreement

Any dispute, controversy, or claim arising out of or relating to these Terms or your use of our Site shall be resolved through binding arbitration, except:

• Claims that may be brought in small claims court
• Claims for injunctive or equitable relief
• Claims related to intellectual property rights

Arbitration Details:

• Administrator: American Arbitration Association (AAA)
• Rules: AAA Consumer Arbitration Rules
• Location: [City, State] or mutually agreed location
• Language: English
• Award: Decision shall be final and binding

13.3 Class Action Waiver

YOU AND WITHUYOULOANSAPPLY.COM AGREE THAT EACH MAY BRING CLAIMS AGAINST THE OTHER ONLY IN YOUR OR OUR INDIVIDUAL CAPACITY, AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY CLASS OR REPRESENTATIVE ACTION.

13.4 Opt-Out Right

You may opt out of this arbitration agreement by sending written notice within 30 days of first using our Site to:

WithUYouLoansApply.com, Arbitration Opt-Out, [Address]

14. Termination

14.1 Our Right to Terminate

We may suspend or terminate your access to our Site at any time, with or without cause, with or without notice, for any reason including:

• Violation of these Terms
• Fraudulent or illegal activity
• Abuse of our services
• At our sole discretion

14.2 Your Right to Terminate

You may stop using our Site at any time. To request deletion of your information, contact us at [email protected].

14.3 Effect of Termination

Upon termination:

• Your right to use the Site immediately ceases
• We may delete your account and information
• Provisions that by their nature should survive (e.g., disclaimers, limitations of liability) shall survive

15. Severability

If any provision of these Terms is found to be invalid, illegal, or unenforceable:

• That provision shall be enforced to the maximum extent permissible
• The remaining provisions shall remain in full force and effect
• We may replace the invalid provision with a valid provision that achieves the same objective

16. Entire Agreement

These Terms, together with our Privacy Policy, constitute the entire agreement between you and WithUYouLoansApply.com regarding your use of our Site, and supersede all prior agreements, understandings, or representations.

17. No Waiver

Our failure to enforce any provision of these Terms does not constitute a waiver of that provision or any other provision. Any waiver must be in writing and signed by an authorized representative.

18. Assignment

You may not assign or transfer your rights or obligations under these Terms without our written consent. We may assign these Terms to any successor or affiliate without your consent.

19. Contact Information

For questions, concerns, or notices regarding these Terms, please contact us:

20. Acknowledgment

BY USING OUR SITE, YOU ACKNOWLEDGE THAT YOU HAVE READ THESE TERMS OF SERVICE, UNDERSTAND THEM, AND AGREE TO BE BOUND BY THEM. IF YOU DO NOT AGREE TO THESE TERMS, YOU MUST NOT USE OUR SITE.