Please read these terms carefully before using our website or services.
Last Updated: January 1, 2024
By accessing or using 12monthsloansbadcredit.com (the "Website"), you agree to be bound by these Terms of Use ("Terms"). If you do not agree to all of these Terms, do not use this Website. These Terms apply to all visitors, users, and others who access or use the Website.
12monthsloansbadcredit.com is an independent advertising and loan connection platform operated by 12MonthsLoans LLC. We are NOT a lender. We do not originate, issue, service, or broker loans. We do not make lending decisions. Our service connects consumers seeking personal loans with a network of independent third-party lenders. All loan terms are set by the individual lender.
To use this Website and submit a loan request, you must:
Submitting a loan request through our Website does not guarantee that you will receive a loan offer. Loan approval is solely at the discretion of the individual participating lender, based on their own underwriting criteria and applicable law. We make no representations or warranties regarding the likelihood of loan approval.
You agree to provide accurate, current, and complete information when submitting a loan request. Providing false, misleading, or fraudulent information is prohibited and may constitute a criminal offense. We reserve the right to reject any request that we believe contains inaccurate information.
Nothing on this Website constitutes financial, legal, or tax advice. The information provided is for general informational purposes only. You should consult a qualified financial professional before making any financial decisions.
By submitting a loan request, you consent to be contacted by us and participating lenders via telephone (including automated calls and text messages), email, and mail at the contact information you provided. You may opt out of marketing communications at any time by visiting our Unsubscribe page.
You agree not to use this Website to:
This Website is provided "as is" and "as available" without warranties of any kind, either express or implied. We disclaim all warranties including implied warranties of merchantability, fitness for a particular purpose, and non-infringement.
To the maximum extent permitted by applicable law, 12MonthsLoans LLC and its officers, directors, employees, and agents shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising out of or related to your use of this Website or any loan obtained through our network.
These Terms shall be governed by and construed in accordance with the laws of the State of Nevada, without regard to its conflict of law provisions. Any legal action shall be brought exclusively in the state or federal courts located in Clark County, Nevada.
We reserve the right to modify these Terms at any time. Updated Terms will be posted on this page with a revised effective date. Your continued use of the Website after changes are posted constitutes your acceptance of the modified Terms.