Terms of Use

1. Acceptance & Agreement

Welcome to Greenline Loans (greenslineloans.com). These Terms of Use ("Terms," "Agreement") constitute a legally binding contract between you ("User," "you," or "your") and Greenline Loans ("we," "us," or "our").

By visiting, accessing, or browsing our website, utilizing our educational guides, interacting with financial calculators, or submitting an inquiry to explore installment loan options, you acknowledge that you have read, understand, and agree to be bound by these Terms and our Privacy Policy. If you do not agree to these Terms in their entirety, you are not authorized to access or use this website.

2. Referral & Non-Lender Status

Greenline Loans is not a lender, financial institution, bank, loan broker, or credit card issuer. We operate exclusively as an informational resource and referral intermediary designed to connect consumers with independent third-party lending partners and lending networks.

Compensation Disclosure: Greenline Loans does not charge consumers any fee to use our educational website, rate estimators, or loan connection service. Instead, we may receive compensation from participating lenders or network partners when you submit an inquiry or are connected with a lending option. This compensation does not increase your loan costs or interest rate.

3. Credit Checks & Inquiries

By submitting your inquiry through our website, you expressly authorize Greenline Loans to transmit your information to participating lenders within our network. You further acknowledge and agree that:

• No Credit Impact on Greenline Loans: Exploring loan educational materials, reading articles, or utilizing our interactive calculators does not involve credit bureau inquiries and does not impact your credit score.
• Lender Pre-Qualification Inquiries: Participating lenders who receive your inquiry may perform an initial "soft" credit pull through consumer reporting agencies (such as Equifax, Experian, TransUnion, FactorTrust, or DataX) to verify identity and assess preliminary eligibility. Soft pulls have zero negative impact on your credit score.
• Formal Credit Application: Should you choose to accept an offer and proceed with a formal loan contract on a lender's independent website, that lender may execute a "hard" credit inquiry in accordance with the Fair Credit Reporting Act (FCRA), which may be recorded on your credit history.

4. No Guarantee of Loan Approval or Specific Terms

Submission of an inquiry does not guarantee that:

• You will be matched with any participating lender.
• Any lender will present an offer or approve credit.
• You will qualify for a specific loan amount, APR range (rates typically range from 5.99% to 35.99%), or repayment term duration (typically 6 to 60 months).

Lending availability is subject to independent underwriting criteria, applicant credit profile, debt-to-income ratio, verifiable income, and statutory lending restrictions in your state of residence. Certain loan amounts, term lengths, and interest rates may not be legally available in all jurisdictions.

5. Truth in Lending Act (TILA) Disclosures & Contract Review

The federal Truth in Lending Act (15 U.S.C. § 1601 et seq.) and Regulation Z mandate that lenders disclose full credit terms in a clear, standardized format prior to the consummation of any credit transaction.

If you are connected with a participating lender and offered a loan, you must carefully read that lender's complete Truth in Lending disclosure document, promissory note, and schedule of payments. Critical terms you must review include:

• Annual Percentage Rate (APR): The true annual cost of credit, including interest and prepaid finance fees.
• Finance Charge: The total dollar amount the loan will cost you.
• Amount Financed: The net dollar amount of credit provided to you or on your behalf.
• Total of Payments: The total amount you will have paid after you have made all scheduled monthly installments.
• Late Payment & Prepayment Terms: Any penalties for overdue payments, NSF fees, or prepayment provisions.

You are under no obligation to accept any loan offer presented to you. Never sign a loan agreement if you do not clearly understand or cannot afford the monthly repayment obligation.

6. Educational Tools & Financial Calculators

All loan calculators, payment charts, APR illustrations, and financial guidance published on this website are provided solely for general illustrative and educational purposes:

• Calculations assume consistent monthly amortization, standard APR approximations, and hypothetical fees. They do not constitute official loan offers, quotes, or commitments to lend.
• Content on Greenline Loans does not constitute professional financial, tax, legal, or investment advice. You should consult a licensed financial advisor or credit counselor before making significant borrowing decisions.

7. User Eligibility & Representations

By accessing our website or submitting an inquiry, you represent, warrant, and covenant that:

• You are a legal resident of the United States of America.
• You are at least 18 years of age (or 19 years of age in Alabama and Nebraska) and possess the legal capacity to enter into binding contracts.
• All personal, contact, employment, and financial information provided by you is accurate, current, truthful, and complete.
• You are submitting inquiries solely on your own behalf and not on behalf of any third party without lawful power of attorney.
• You will use our website strictly for legitimate, lawful, personal borrowing exploration purposes and not for any fraudulent or speculative endeavor.

8. Prohibited Uses & Conduct Restrictions

You agree not to engage in any of the following prohibited activities:

• Using any automated scraper, spider, crawler, bot, script, or indexer to harvest content, rates, or personal data from our site.
• Submitting fraudulent, deceptive, fabricated, or stolen personal or financial credentials.
• Interfering with, disrupting, or compromising server infrastructure, network firewalls, or website security mechanisms.
• Attempting to reverse-engineer, decompile, or disassemble any portion of our software or calculation logic.
• Using the website to transmit spam, chain letters, phishing lures, viruses, trojans, or malicious code.

Violations of system security or website integrity may result in civil liability and criminal prosecution under applicable federal and state statutes.

9. Intellectual Property Rights

All materials, trademarks, service marks, trade names, graphics, logos, icons, interface designs, calculator algorithms, text, and computer code appearing on this site are the exclusive property of Greenline Loans or its licensors, protected by United States and international copyright, trademark, and intellectual property laws.

Subject to your compliance with these Terms, we grant you a limited, non-exclusive, revocable, non-transferable license to access and view site content solely for your personal, non-commercial use. No content may be reproduced, modified, distributed, republished, or exploited without our prior written consent.

10. Third-Party Links & External Lender Platforms

Our website features hyperlinks to external third-party websites, including participating lenders, credit counseling resources, regulatory portals, and third-party application forms.

These links are provided strictly as a convenience. Greenline Loans has no control over, and assumes no responsibility for, the content, privacy policies, loan underwriting, customer service, or practices of any third-party website or lending provider. Your interactions with any linked third-party site are governed solely by the terms and policies of that external provider.

11. Electronic Communications & E-SIGN Act Consent

By providing your contact information and submitting a loan inquiry, you agree to receive communications from Greenline Loans and participating lenders electronically, pursuant to the federal Electronic Signatures in Global and National Commerce Act (E-SIGN Act, 15 U.S.C. § 7001 et seq.).

• Methods of Communication: Communications may include emails, SMS/text messages (standard carrier rates apply), automated voice calls, and website notifications regarding your inquiry status, loan availability, or educational resources.
• Withdrawing Consent: You may unsubscribe from marketing emails at any time by clicking the "Unsubscribe" link in any email or by emailing support@greenslineloans.com.

12. Disclaimer of Warranties ("As Is" / "As Available")

THE WEBSITE, ITS CONTENT, CALCULATORS, AND REFERRAL SERVICES ARE PROVIDED STRICTLY ON AN "AS IS" AND "AS AVAILABLE" BASIS, WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED.

TO THE FULLEST EXTENT PERMISSIBLE BY APPLICABLE LAW, GREENLINE LOANS DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, ACCURACY, NON-INFRINGEMENT, AND FREEDOM FROM COMPUTER VIRUSES OR MALICIOUS COMPONENTS.

WE DO NOT WARRANT THAT THE WEBSITE WILL BE UNINTERRUPTED, TIMELY, SECURE, OR ERROR-FREE, OR THAT ANY DEFECTS WILL BE PROMPTLY CORRECTED.

13. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, IN NO EVENT SHALL GREENLINE LOANS, ITS OFFICERS, DIRECTORS, EMPLOYEES, AFFILIATES, AGENTS, OR LICENSORS BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES (INCLUDING DAMAGES FOR LOSS OF PROFITS, DATA, GOODWILL, WORK STOPPAGE, OR PERSONAL FINANCIAL LOSS) ARISING OUT OF OR IN CONNECTION WITH:

• Your access to, use of, or inability to use this website or its financial tools.
• Any loan contract, transaction, denial, fee, interest charge, or dispute between you and any third-party participating lender.
• Any unauthorized access to, alteration of, or interception of your transmissions or data.
• Any errors, omissions, or inaccuracies in website content, calculators, or rate illustrations.

IF NOTWITHSTANDING THE FOREGOING, GREENLINE LOANS IS FOUND LIABLE TO YOU FOR ANY REASON, OUR AGGREGATE TOTAL LIABILITY SHALL IN NO CIRCUMSTANCE EXCEED ONE HUNDRED U.S. DOLLARS ($100.00). SOME JURISDICTIONS DO NOT ALLOW CERTAIN LIABILITY LIMITATIONS, SO SOME OF THESE PROVISIONS MAY NOT APPLY TO YOU.

14. Indemnification

You agree to defend, indemnify, and hold harmless Greenline Loans, its affiliates, directors, officers, agents, and employees from and against any and all claims, liabilities, damages, losses, costs, and expenses (including reasonable attorneys' fees) arising from or relating to:

• Your violation of these Terms of Use or our Privacy Policy.
• Your violation of any applicable federal, state, or municipal law or regulation.
• Any false, misleading, or inaccurate information submitted by you on or through this website.
• Any disputes, agreements, or transactions between you and any third-party lender or network partner.

15. Binding Dispute Resolution & Class Action Waiver

PLEASE READ THIS SECTION CAREFULLY. IT AFFECTS YOUR LEGAL RIGHTS, REQUIRING ARBITRATION OF DISPUTES AND WAIVING JURY TRIALS AND CLASS ACTIONS.

• Mandatory Arbitration: Any controversy, claim, or dispute arising out of or relating to these Terms, the website, or services provided shall be resolved exclusively through final and binding individual arbitration administered by the American Arbitration Association (AAA) pursuant to its Consumer Arbitration Rules.
• Class Action Waiver: YOU AND GREENLINE LOANS AGREE THAT EACH MAY BRING CLAIMS AGAINST THE OTHER ONLY IN AN INDIVIDUAL CAPACITY AND NOT AS A PLAINTIFF, REPRESENTATIVE, OR CLASS MEMBER IN ANY PURPORTED CLASS, COLLECTIVE, OR CONSOLIDATED PROCEEDING. The arbitrator may not consolidate multiple persons' claims.
• Opt-Out Procedure: You may opt out of this arbitration agreement by sending written notice within thirty (30) days of your initial use of the website to legal@greenslineloans.com with the subject line "Arbitration Opt-Out" including your full legal name and email address.

16. Governing Law & Severability

These Terms of Use shall be governed by, interpreted, and enforced in accordance with the substantive laws of the United States and the State of Delaware, without regard to principles of conflicts of law.

If any provision of these Terms is deemed unlawful, void, or unenforceable for any reason, that provision shall be deemed severable and shall not affect the validity and enforceability of any remaining provisions. Our failure to enforce any right or provision of these Terms shall not constitute a waiver of future enforcement of that provision.

17. Revisions & Updates to Terms

We reserve the right, in our sole discretion, to modify, amend, or update these Terms of Use at any time. When updates occur, we will revise the "Last Updated" date displayed at the top of this document.

Material amendments will be highlighted through prominent notice on our website. Your continued access to or use of the website after updated Terms have been posted constitutes your binding agreement to the revised terms. We advise you to review these Terms periodically.

18. Contact & Legal Notices

If you have any questions, inquiries, or legal notices concerning these Terms of Use, please contact our Legal and Compliance Department: