Welcome to SoFi Loans. These Terms of Service ("Terms") govern your use of our website sofiloansapply.com (the "Site") operated by SoFi Loans ("we," "us," or "our"). By accessing or using our Site, you agree to be bound by these Terms.
Important: We provide educational information and tools to help you compare loans. We are not a lender, and our content is not financial advice. Always consult a qualified financial advisor for personalized guidance.
1. Acceptance of Terms
By accessing and using this Site, you accept and agree to be bound by these Terms and our Privacy Policy. If you do not agree to these Terms, please do not use our Site.
2. Description of Services
SoFi Loans provides:
- Educational content about personal loans and financial products
- Lender reviews and comparisons
- Loan calculators and tools
- Links to third-party lender websites
- Pre-qualification tools powered by third-party partners
We are not a lender. We do not make loans or credit decisions. When you use our comparison tools or click links to lenders, you leave our Site and interact directly with those lenders.
3. Not Financial Advice
The information on our Site is for educational and informational purposes only. It does not constitute:
- Financial advice
- Investment advice
- Legal advice
- Tax advice
- A recommendation to obtain any specific loan product
You should consult with qualified professionals before making financial decisions. Your financial situation is unique, and our general information may not apply to you.
4. Accuracy of Information
We strive to provide accurate, up-to-date information. However:
- Interest rates, terms, and fees change frequently
- Lender policies and offerings may change without notice
- We cannot guarantee the accuracy of third-party information
- Actual loan terms will be determined by lenders based on your application
Always verify current rates and terms directly with lenders before applying.
5. Third-Party Links and Services
Our Site contains links to third-party websites, including lender websites. These links are provided for convenience only. We do not:
- Control or endorse third-party sites
- Guarantee the accuracy of their content
- Accept responsibility for their practices
- Have any responsibility for transactions you conduct with them
Your use of third-party sites is at your own risk and subject to their terms and privacy policies.
6. Affiliate Relationships
We may receive compensation when you click links or apply for products through our Site. This compensation:
- Does not influence our ratings or reviews
- Does not increase your costs
- Helps us maintain our free service
See our Advertiser Disclosure for more details.
7. User Responsibilities
By using our Site, you agree to:
- Provide accurate information when using our tools
- Use the Site only for lawful purposes
- Not interfere with the Site's operation
- Not attempt to gain unauthorized access
- Not use automated systems to access the Site
- Not copy, reproduce, or distribute our content without permission
8. Intellectual Property
All content on our Site, including text, graphics, logos, and software, is owned by SoFi Loans or our licensors and is protected by copyright and other laws. You may not:
- Reproduce or distribute our content without permission
- Modify or create derivative works
- Use our trademarks without authorization
- Remove copyright or other notices
9. Disclaimer of Warranties
THE SITE AND ALL CONTENT ARE PROVIDED "AS IS" WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.
We do not warrant that:
- The Site will be uninterrupted or error-free
- Defects will be corrected
- The Site is free of viruses or harmful components
- Information is accurate, complete, or current
10. Limitation of Liability
TO THE MAXIMUM EXTENT PERMITTED BY LAW, LOANCOMPAREHUB SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING FROM YOUR USE OF THE SITE.
IN NO EVENT SHALL OUR TOTAL LIABILITY EXCEED $100 OR THE AMOUNT YOU PAID US IN THE PAST 12 MONTHS, WHICHEVER IS GREATER.
11. Indemnification
You agree to indemnify and hold harmless SoFi Loans and its officers, directors, employees, and agents from any claims, damages, or expenses arising from:
- Your use of the Site
- Your violation of these Terms
- Your violation of any third-party rights
12. Changes to Terms
We may modify these Terms at any time. We will notify you of material changes by posting the updated Terms on this page. Your continued use of the Site after changes constitutes acceptance of the new Terms.
13. Termination
We may terminate or suspend your access to the Site at any time, without notice, for any reason, including violation of these Terms.
14. Governing Law
These Terms are governed by the laws of the State of New York, without regard to conflict of law principles. Any disputes shall be resolved in the courts of New York County, New York.
15. Severability
If any provision of these Terms is found unenforceable, the remaining provisions will continue in effect.
16. Contact Us
For questions about these Terms, contact us:
- Email: legal@sofiloansapply.com
- Address: SoFi Loans, 123 Finance Street, Suite 100, New York, NY 10001