Terms of Service

These Terms of Service (“Terms”) govern your use of the website and loan application service (the “Service”) operated by [LEGAL BUSINESS NAME](“SunLoans,” “we,” “us,” or “our”). By accessing or using the Service, you agree to be bound by these Terms. If you do not agree, do not use the Service.

1. Eligibility

You must be at least 18 years old and legally able to enter into a contract to use the Service. By submitting an application, you confirm that you meet these requirements.

2. Nature of the Service

The Service lets you submit a loan application for our review. Submitting an application does not guarantee approval, funding, or any particular loan terms. All applications are subject to review, verification, and our approval criteria. We may approve, decline, or request additional information at our discretion, subject to applicable law.

3. Accuracy of information

You agree to provide true, accurate, and complete information. Providing false or misleading information may result in rejection of your application and may constitute fraud. You are responsible for keeping your contact details current.

4. Loan calculator and estimates

Any payment figures, rates, or amounts shown by our loan calculator or elsewhere on the site are illustrative estimates only. They are not an offer of credit and do not reflect your actual rate, payment, or terms, which depend on review of your application and applicable law. The rate used in the calculator is a sample and not a quoted rate.

5. Your application ID

On submission you receive a unique application ID. You are responsible for keeping it confidential; anyone with your ID and email may be able to view your application status.

6. Acceptable use

• Do not submit applications on behalf of another person without authorization.
• Do not attempt to disrupt, overload, or gain unauthorized access to the Service.
• Do not use the Service for any unlawful or fraudulent purpose.

7. Intellectual property

The Service, including its design, text, logos, and software, is owned by SunLoans or its licensors and is protected by applicable laws. You may not copy, modify, or distribute it without our permission.

8. Disclaimers

The Service is provided “as is” and “as available” without warranties of any kind, whether express or implied, to the fullest extent permitted by law. We do not warrant that the Service will be uninterrupted, error-free, or secure.

9. Limitation of liability

To the maximum extent permitted by law, SunLoans and its affiliates will not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of data, arising from your use of the Service.

10. Changes to these Terms

We may update these Terms from time to time. Changes are effective when posted, and we will update the “Last updated” date above. Continued use of the Service after changes take effect constitutes acceptance.

11. Governing law

These Terms are governed by the laws of [STATE / COUNTRY], without regard to its conflict-of-law rules. Any disputes will be resolved in the courts located in [JURISDICTION].

12. Contact us

Questions about these Terms? Contact [LEGAL BUSINESS NAME] at [CONTACT EMAIL] or [BUSINESS MAILING ADDRESS].

This document is a template and not legal advice. Lending is heavily regulated; have these Terms reviewed by a qualified attorney before relying on them.