Terms and Conditions

These Terms and Conditions govern your use of LoanReference.com. By accessing or using this website, you agree to be bound by these terms. If you do not agree with any part of these Terms and Conditions, you should discontinue use of the website immediately.

LoanReference is an educational resource focused on explaining personal loan concepts and consumer finance topics. The website does not provide financial, legal, or professional advice.

Acceptance of Terms

By using this website, you confirm that you have read, understood, and agreed to these Terms and Conditions. These terms apply to all visitors, users, and others who access the site.

We reserve the right to update or modify these terms at any time without prior notice. Continued use of the website after changes are posted constitutes acceptance of the revised terms.

Educational Use Only

All content on LoanReference is provided for informational and educational purposes only. The information presented should not be interpreted as financial advice, legal advice, or a recommendation to take any specific action.

Personal loan terms, interest rates, fees, and eligibility criteria vary based on lender policies and individual borrower circumstances. You are solely responsible for verifying any information before making financial decisions.

No Professional Relationship

Use of this website does not create a professional, advisory, or client relationship between you and LoanReference. We do not act as a lender, broker, or financial advisor.

Readers should consult licensed financial professionals when seeking advice tailored to their specific financial situation.

Accuracy of Information

While we strive to provide accurate and up-to-date information, LoanReference makes no guarantees regarding the completeness, accuracy, or reliability of any content published on this website.

Financial regulations, lending practices, and market conditions may change over time. Content may become outdated, and users are responsible for verifying information independently.

Tools and Calculators

Any calculators or tools provided on LoanReference are for educational purposes only. Results generated by these tools are estimates and may not reflect actual loan terms or outcomes.

We do not guarantee the accuracy of calculator results and disclaim any liability for decisions made based on these estimates.

Limitation of Liability

To the fullest extent permitted by law, LoanReference shall not be liable for any direct, indirect, incidental, consequential, or special damages arising from the use of or inability to use this website.

This includes, but is not limited to, financial losses, credit damage, or missed opportunities resulting from reliance on information provided on this site.

User Responsibility

You are responsible for how you use the information provided on this website. Financial decisions involve risk, and outcomes vary based on individual circumstances.

LoanReference does not guarantee specific financial results or outcomes.

Intellectual Property

All content on this website, including text, graphics, and layout, is the property of LoanReference unless otherwise stated. Unauthorized use, reproduction, or distribution of content is prohibited.

Third-Party Links

LoanReference may include links to third-party websites for informational purposes. We do not control or endorse the content of external sites and are not responsible for their practices or policies.

Governing Law

These Terms and Conditions are governed by and construed in accordance with applicable laws. Any disputes arising from the use of this website shall be subject to the appropriate jurisdiction.

Changes to These Terms

We reserve the right to modify these Terms and Conditions at any time. Updates will be posted on this page, and continued use of the website constitutes acceptance of the updated terms.

Contact Information

Questions regarding these Terms and Conditions may be directed through our Contact page.

Final Statement

By using LoanReference, you acknowledge that you have read and understood these Terms and Conditions and agree to be bound by them.