Terms and Conditions

Agreement Between User and Lendgo

Welcome to Lendgo. The Lendgo.com website (the “Site”) consists of various web pages operated by Lendgo Inc. (“Lendgo”). This agreement applies to all of Lendgo.com and any of its affiliates and subsidiaries in which it is posted. Additionally, the agreement is applied to the use of any services offered through our websites. Lendgo is offered to you conditioned on your acceptance without modification of the terms, conditions, and notices contained herein (the "Terms"). Your use of Lendgo constitutes your agreement to all such terms. Please read these terms carefully, and keep a copy of them for your reference.

Lendgo.com is a loan financing and refinancing site. We believe shopping for the best loan should be simple and rewarding. We provide homeowners, would-be homeowners, and ordinary people easy yet powerful online tools to help them save money and time on their next loan product.

Privacy

Your use of the Site is subject to the privacy policy. Please review our privacy policy to inform yourself about our data collection and sharing practices.

Electronic Communications

Visiting Lendgo or sending emails to Lendgo constitutes electronic communications. You consent to receive electronic communications and you agree that all agreements, notices, disclosures, and other communications that we provide to you electronically, via email, and on the Site satisfy any legal requirement that such communications be in writing.

Links to Third Party Sites/Third Party Services

Lendgo may contain links to other websites (“linked sites”). The linked sites are not under the control of Lendgo, nor is Lendgo responsible for the contents of any linked site, including without limitation any link contained in a linked site, or any changes or updates to a linked site. Lendgo is providing these links to you only as a convenience, and the inclusion of any link does not imply endorsement by Lendgo of the site or any association with its operators.

Certain services made available via Lendgo are delivered by third party sites and organizations. By using any product, service, or functionality originating from the Lendgo domain, you hereby acknowledge and consent that Lendgo may share such information and data with any third party with whom Lendgo has a contractual relationship to provide the requested product, service, or functionality on behalf of Lendgo users and customers.

No Unlawful or Prohibited Use/Intellectual Property

You are granted a nonexclusive, nontransferable, revocable license to access and use Lendgo strictly in accordance with these terms of use. As a condition of your use of the Site, you warrant to Lendgo that you will not use the Site for any purpose that is unlawful or prohibited by these Terms. You may not use the Site in any manner that could damage, disable, overburden, or impair the Site or interfere with any other party's use and enjoyment of the Site. You may not obtain or attempt to obtain any materials or information through any means not intentionally made available or provided for through the Site.

All content included as part of the service—such as text, graphics, logos, and images, as well as the compilation thereof—and any software used on the Site are the property of Lendgo or its suppliers and protected by copyright and other laws that protect intellectual property and proprietary rights. You agree to observe and abide by all copyright and other proprietary notices, legends, or other restrictions contained in any such content and will not make any changes thereto.

You will not modify, publish, transmit, reverse engineer, participate in the transfer or sale, create derivative works, or in any way exploit any of the content, in whole or in part, found on the Site. Lendgo content is not for resale. Your use of the Site does not entitle you to make any unauthorized use of any protected content, and in particular you will not delete or alter any proprietary rights or attribution notices in any content. You will use protected content solely for your personal use, and will make no other use of the content without the express written permission of Lendgo and the copyright owner. You agree that you do not acquire any ownership rights in any protected content. We do not grant you any licenses, express or implied, to the intellectual property of Lendgo or our licensors except as expressly authorized by these Terms.

International Users

The Site is controlled, operated, and administered by Lendgo from our offices within the USA. If you access the Site from a location outside the USA, you are responsible for compliance with all local laws. You agree that you will not use the Lendgo content accessed through Lendgo in any country or in any manner prohibited by any applicable laws, restrictions, or regulations.

No Minor Use

The Site is applicable to and should only be used by persons 18 years of age or older. Access and use of this website by persons under the age of 18 is prohibited except in conjunction with a parent or guardian.

Indemnification

You agree to indemnify, defend, and hold harmless Lendgo, its officers, directors, employees, agents, and third parties for any losses, costs, liabilities, and expenses (including reasonable attorney’s fees) relating to or arising out of your use of or inability to use the Site or services, any user postings made by you, your violation of any terms of this agreement, or your violation of any rights of a third party, or your violation of any applicable laws, rules, or regulations. Lendgo reserves the right, at its own cost, to assume the exclusive defense and control of any matter otherwise subject to indemnification by you, in which event you will fully cooperate with Lendgo in asserting any available defenses.

Arbitration

In the event the parties are not able to resolve any dispute between them arising out of or concerning these Terms, or any provisions hereof, whether in contract, tort, or otherwise at law or in equity for damages or any other relief, then such dispute shall be resolved only by final and binding arbitration pursuant to the Federal Arbitration Act, conducted by a single neutral arbitrator and administered by the American Arbitration Association or a similar arbitration service selected by the parties, in a location mutually agreed upon by the parties. The arbitrator's award shall be final, and judgment may be entered upon it in any court having jurisdiction. In the event that any legal or equitable action, proceeding, or arbitration arises out of or concerns these Terms, the prevailing party shall be entitled to recover its costs and reasonable attorney’s fees. The parties agree to arbitrate all disputes and claims in regards to these Terms or any disputes arising as a result of these Terms, whether directly or indirectly, including tort claims that are a result of these Terms. The parties agree that the Federal Arbitration Act governs the interpretation and enforcement of this provision. The entire dispute, including the scope and enforceability of this arbitration provision, shall be determined by the arbitrator. This arbitration provision shall survive the termination of these Terms.

Class Action Waiver

Any arbitration under these Terms will take place on an individual basis; class arbitrations and class/representative/collective actions are not permitted. THE PARTIES AGREE THAT A PARTY MAY BRING CLAIMS AGAINST THE OTHER ONLY IN EACH INDIVIDUAL’S CAPACITY, AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PUTATIVE CLASS, COLLECTIVE AND/OR REPRESENTATIVE PROCEEDING, SUCH AS IN THE FORM OF A PRIVATE ATTORNEY GENERAL ACTION AGAINST THE OTHER. Further, unless both you and Lendgo agree otherwise, the arbitrator may not consolidate more than one person's claims, and may not otherwise preside over any form of a representative or class proceeding.

Liability Disclaimer

THE INFORMATION, SOFTWARE, PRODUCTS, AND SERVICES INCLUDED IN OR AVAILABLE THROUGH THE SITE MAY INCLUDE INACCURACIES OR TYPOGRAPHICAL ERRORS. CHANGES ARE PERIODICALLY ADDED TO THE INFORMATION HEREIN. LENDGO INC. AND/OR ITS SUPPLIERS MAY MAKE IMPROVEMENTS AND/OR CHANGES IN THE SITE AT ANY TIME.

LENDGO INC. AND/OR ITS SUPPLIERS MAKE NO REPRESENTATIONS ABOUT THE SUITABILITY, RELIABILITY, AVAILABILITY, TIMELINESS, AND ACCURACY OF THE INFORMATION, SOFTWARE, PRODUCTS, SERVICES, AND RELATED GRAPHICS CONTAINED ON THE SITE FOR ANY PURPOSE. TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, ALL SUCH INFORMATION, SOFTWARE, PRODUCTS, SERVICES, AND RELATED GRAPHICS ARE PROVIDED "AS IS" WITHOUT WARRANTY OR CONDITION OF ANY KIND. LENDGO INC. AND/OR ITS SUPPLIERS HEREBY DISCLAIM ALL WARRANTIES AND CONDITIONS WITH REGARD TO THIS INFORMATION, SOFTWARE, PRODUCTS, SERVICES, AND RELATED GRAPHICS, INCLUDING ALL IMPLIED WARRANTIES OR CONDITIONS OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT.

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL LENDGO INC. AND/OR ITS SUPPLIERS BE LIABLE FOR ANY DIRECT, INDIRECT, PUNITIVE, INCIDENTAL, SPECIAL, CONSEQUENTIAL DAMAGES, OR ANY DAMAGES WHATSOEVER, INCLUDING, WITHOUT LIMITATION, DAMAGES FOR LOSS OF USE, DATA, OR PROFITS ARISING OUT OF OR IN ANY WAY CONNECTED WITH THE USE OR PERFORMANCE OF THE SITE, WITH THE DELAY OR INABILITY TO USE THE SITE OR RELATED SERVICES, THE PROVISION OF OR FAILURE TO PROVIDE SERVICES, OR FOR ANY INFORMATION, SOFTWARE, PRODUCTS, SERVICES, AND RELATED GRAPHICS OBTAINED THROUGH THE SITE, OR OTHERWISE ARISING OUT OF THE USE OF THE SITE, WHETHER BASED ON CONTRACT, TORT, NEGLIGENCE, STRICT LIABILITY, OR OTHERWISE, EVEN IF LENDGO INC. OR ANY OF ITS SUPPLIERS HAS BEEN ADVISED OF THE POSSIBILITY OF DAMAGES. BECAUSE SOME STATES/JURISDICTIONS DO NOT ALLOW THE EXCLUSION OR LIMITATION OF LIABILITY FOR CONSEQUENTIAL OR INCIDENTAL DAMAGES, THE ABOVE LIMITATION MAY NOT APPLY TO YOU. IF YOU ARE DISSATISFIED WITH ANY PORTION OF THE SITE, OR WITH ANY OF THESE TERMS OF USE, YOUR SOLE AND EXCLUSIVE REMEDY IS TO DISCONTINUE USING THE SITE.

Termination/Access Restriction

Lendgo reserves the right, in its sole discretion, to terminate your access to the Site and the related services or any portion thereof at any time, without notice. To the maximum extent permitted by law, this agreement is governed by the laws of the State of California and you hereby consent to the exclusive jurisdiction and venue of courts in California in all disputes arising out of or relating to the use of the Site. Use of the Site is unauthorized in any jurisdiction that does not give effect to all provisions of these Terms, including, without limitation, this section.

You agree that no joint venture, partnership, employment, or agency relationship exists between you and Lendgo as a result of this agreement or use of the Site. Lendgo's performance of this agreement is subject to existing laws and legal process, and nothing contained in this agreement is in derogation of Lendgo's right to comply with governmental, court, and law enforcement requests or requirements relating to your use of the Site or information provided to or gathered by Lendgo with respect to such use. If any part of this agreement is determined to be invalid or unenforceable pursuant to applicable law, including, but not limited to, the warranty disclaimers and liability limitations set forth above, then the invalid or unenforceable provision will be deemed superseded by a valid, enforceable provision that most closely matches the intent of the original provision and the remainder of the agreement shall continue in effect.

Unless otherwise specified herein, this agreement constitutes the entire agreement between the user and Lendgo with respect to the Site, and it supersedes all prior or contemporaneous communications and proposals, whether electronic, oral, or written, between the user and Lendgo with respect to the Site. A printed version of this agreement and of any notice given in electronic form shall be admissible in judicial or administrative proceedings based upon or relating to this agreement to the same extent and subject to the same conditions as other business documents and records originally generated and maintained in printed form. It is the express wish to the parties that this agreement and all related documents be written in English.

Terms Applicable to All Services

If you fill out our form on Lendgo’s website, you are giving your permission to be contacted by providers for each request submitted by you. This also gives your consent to receive phone calls at the number you provided even if you are listed on any Do Not Call list at any level, ranging from federal, state, local, internal, or corporate. In addition, you consent to subscribing to our mailing list and receiving emails from providers. All consent remains valid and legal until you request to opt out or unsubscribe from receiving further messages.

To opt out of receiving phone calls, write to contact@lendgo.com. Lendgo is not responsible for a provider’s failure to comply with our instructions to stop contacting you

Financial Education Content

The Site provides tools and information to allow you to further your financial education and learn how certain financial decisions could impact your financial wellbeing. We provide these materials for informational, educational, and entertainment purposes only, and at no time are we providing legal, financial, investment, tax planning, or medical advice. You may see offers on the Site from companies that compensate us. This compensation may influence where the Site shows the offers and how often. The Site does not include the entire universe of available loan products.

Lendgo is NOT a lender or creditor.

• We are not an agent to you or any loan provider.
• We ONLY provide admin services, and as a user it is your responsibility to research and make decisions independently based on what suits your needs.
• Any web form you submit is not an application for credit and is to be interpreted as an inquiry to providers you can be matched with.
• It is the responsibility of providers to provide these services to you, and in no way should Lendgo be held accountable for any damages or costs related to your interactions with a provider.
• Providers have the right to keep your information that was submitted on the web form.

Social Media Content

For any content that you submit on the Site or on Lendgo’s Facebook, Twitter, or other social media property, you grant Lendgo a perpetual, irrevocable, royalty-free, transferable right and license to use, copy, modify, delete in its entirety, adapt, publish, translate, create derivative works from, and/or sell and/or distribute such content and/or incorporate such content into any form, medium, or technology throughout the world without compensation to you.

How We Are Compensated

Lendgo is paid a marketing lead generation fee by providers for the goods, facilities, and services provided. Your use of the Site and/or Lendgo’s services constitutes your agreement with this compensation arrangement.

Changes to Terms

Lendgo reserves the right, in its sole discretion, to change the Terms under which Lendgo is offered. The most current version of the Terms will supersede all previous versions. Lendgo encourages you to periodically review the Terms to stay informed of our updates.

Contact Us

Lendgo welcomes your questions or comments regarding the Terms:

Lendgo Inc.
8383 Wilshire blvd, suite 540
Beverly Hills, CA 90211

Email Address:
contact@lendgo.com

Telephone Number:
(844) 551-6667

Effective as of February 5, 2024