Terms of Use
- Effective Date:
Welcome to lenderprocessing.org (the “Website”), operated by Lender Processing (“Company,” “we,” “our,” or “us”).
These Terms of Use (“Terms”) govern your access to and use of the Website and any related services offered through it, including personal loan inquiry, application, and communication. By accessing or using this Website, you agree to be bound by these Terms and our Privacy Policy, which is incorporated by reference.
If you do not agree to these Terms, please discontinue use of the Website.
1. Services and Eligibility
This Website is intended for U.S. residents age 18 or older. It provides information about financial products and enables users to apply for personal loans online.
Lender Processing offers:
- Direct loans to residents of Utah, and
- Loan facilitation services through licensed third-party lenders in other states.
Loan availability, terms, and rates vary by location, credit profile, and applicable law.
2. Licensing Disclosure
Lender Processing is a state-licensed direct lender in Utah.
Loans offered directly by Lender Processing are available only to Utah residents.
In other states, Lender Processing provides access to loan products through a vetted network of licensed lending partners. We do not act as a broker or referral service and do not receive fees from users for connecting with a lender.
3. Loan Application Disclosures
By submitting a loan inquiry or application, you:
- Authorize us and our lending partners to evaluate your application
- Consent to the use of your personal and financial information
- Understand that rates and loan terms vary based on creditworthiness, state law, and lender criteria
Credit Checks
- A soft credit inquiry may be conducted during the initial review. This does not affect your credit score.
- If you accept a loan offer, a hard inquiry may be performed, which may impact your credit score.
There is no guarantee of loan approval or specific terms until final underwriting is complete.
4. E-Sign Consent
By using the Website, you consent to receiving all communications, disclosures, agreements, and notices electronically. You may withdraw this consent by contacting us at [email protected], but doing so may limit your ability to use our services.
5. SMS Consent
By submitting your phone number, you consent to receive SMS/text messages related to your inquiry, application, or account, including:
- Application status updates
- Loan or account notifications
- Appointment or reminder messages
- Optional promotional messages (if separately opted-in)
SMS Terms:
- Message frequency varies
- Message and data rates may apply
- To opt out, reply STOP
- For help, reply HELP or email [email protected]
SMS consent is never pre-checked. Your phone number and consent are not sold or shared for third-party marketing purposes.
6. User Conduct
By using this Website, you agree not to:
- Submit false or misleading information
- Violate any local, state, or federal law
- Attempt to access accounts not belonging to you
- Disrupt or harm the functionality or security of the Website
- Copy or scrape Website content or code for commercial use
- Impersonate another person or misrepresent your identity
You are responsible for maintaining the confidentiality of your account information.
7. Intellectual Property
All content on this Website — including text, graphics, designs, logos, and software — is the property of Lender Processing or its licensors. You may not reproduce, modify, distribute, or exploit any content without prior written consent.
You may view, download, or print content for personal, non-commercial use only.
8. Third-Party Links
9. Disclaimer of Warranties
The Website is provided “as is” and “as available”, without warranties of any kind.
We do not guarantee:
- Continuous or error-free Website operation
- Accuracy or completeness of information
- Availability of any specific loan product or terms
All implied warranties — including fitness for a particular purpose — are disclaimed to the maximum extent permitted by law.
10. Limitation of Liability
To the fullest extent permitted by law, Lender Processing and its affiliates shall not be liable for:
- Direct or indirect damages
- Loss of data, profits, or business
- Errors or delays in Website performance
- Acts of third-party service providers or lenders
Your sole remedy is to discontinue use of the Website.
11. Indemnification
You agree to indemnify, defend, and hold harmless Lender Processing, its officers, employees, and agents from any claims, losses, or liabilities arising from:
- Your use of the Website
- Your violation of these Terms
- Any inaccuracy in the information you provide
12. Arbitration & Class Action Waiver
Any disputes arising from your use of the Website or services shall be resolved through binding arbitration in accordance with the Federal Arbitration Act.
- You waive the right to a jury trial or to participate in a class action
- Arbitration may be conducted remotely or in Utah
- The arbitrator’s decision is final and enforceable
If any part of this clause is deemed invalid, the rest will remain in effect.
13. Governing Law
These Terms are governed by the laws of the State of Utah, without regard to its conflict of law rules.
Any claims not subject to arbitration shall be resolved in state or federal courts located in Salt Lake County, Utah.
14. Updates to These Terms
15. Contact Us
For questions about these Terms or our services, please contact:
Lender Processing
2795 E Cottonwood Parkway, Suite #1020
Salt Lake City, UT 84121