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.

PLEASE BE ADVISED THAT THESE TERMS CONTAIN PROVISIONS THAT GOVERN HOW DISPUTES BETWEEN US ARE RESOLVED, WHICH INCLUDES AN AGREEMENT TO ARBITRATE DISPUTES, CLASS ACTION WAIVER, AND JURY TRIAL WAIVER. PLEASE READ ALL THESE TERMS BEFORE USING THE SITE.

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.

Dispute Resolution

In the interest of resolving disputes in the most expedient and cost effective manner, you and Lendgo agree that any dispute arising out of or in any way related to these Terms, your relationship with Lendgo, or any goods or services offered or provided by Lendgo, whether based in contract, tort, statute, fraud, misrepresentation, or any other legal theory, and regardless of whether a claim arises during or after the termination of these Terms, will be resolved by binding arbitration. Arbitration is less formal than a lawsuit in court. Arbitration uses a neutral arbitrator instead of a judge or jury, may allow for more limited discovery than in court, and can be subject to very limited review by courts. Arbitrators can award the same damages and relief that a court can award. YOU UNDERSTAND AND AGREE THAT, BY ENTERING INTO THESE TERMS, YOU AND LENDGO ARE EACH WAIVING THE RIGHT TO A TRIAL BY JURY AND THAT THESE TERMS WILL BE SUBJECT TO AND GOVERNED BY THE CALIFORNIA ARBITRATION ACT.

Notwithstanding the foregoing, nothing in these Terms will be deemed to waive, preclude, or otherwise limit the right of either party to: (a) bring an individual action in small claims court; (b) seek injunctive relief from a court of competent jurisdiction; or (c) to file suit in a court of law to address an intellectual property infringement claim.

Any arbitration between you and Lendgo will be governed by the California Arbitration Act and the JAMS Comprehensive Arbitration Rules & Procedures (collectively, “JAMS Rules”), and will be administered by JAMS. The JAMS Rules and filing forms are available only at www.jamsadr.com or by calling JAMS at 1-800-352-5267. The arbitrator has exclusive authority to resolve any dispute relating to the interpretation, applicability, or enforceability of this binding arbitration agreement.

A party who intends to seek arbitration must first send a written notice of the dispute to the other party by U.S. Mail (“Notice”). Lendgo’s address for Notice is set forth at the end of these Terms. The Notice must: (a) describe the nature and basis of the claim or dispute; and (b) set forth the specific relief sought. The parties will make good faith efforts to resolve the claim directly but, if the parties do not reach an agreement within thirty (30) days after the Notice is received, you or Lendgo may commence an arbitration proceeding.

Each party shall pay its pro rata share of JAMS fees and expenses as set forth in the JAMS fee schedule, unless the parties agree on a different allocation of fees and expenses. If the action qualifies as a consumer arbitration, the JAMS Policy on Consumer Arbitrations shall apply.

Any arbitration hearing will take place at a JAMS office in Los Angeles County, California. The arbitrator must issue a reasoned written decision sufficient to explain the essential findings and conclusions on which the decision and award, if any, are based. Each party agrees that such written decision, and information exchanged during arbitration, will be kept confidential except to the extent necessary to enforce or permit limited judicial review of the award.

No Class Actions

YOU AND LENDGO AGREE THAT EACH MAY BRING CLAIMS AGAINST THE OTHER ONLY IN YOUR INDIVIDUAL CAPACITY AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS OR REPRESENTATIVE PROCEEDING. 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.

Governing Law

These Terms are governed by and construed in accordance with the laws of the State of California without giving effect to any choice or conflict of law provision or rule. Any action against Lendgo that is not subject to mandatory arbitration, as set forth above, shall be subject to the exclusive jurisdiction of the state and federal courts located in Los Angeles County, California.

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.

NOTWITHSTANDING THE FOREGOING, YOU AGREE THAT THE MAXIMUM AGGREGATE LIABILITY OF LENDGO FOR ALL DAMAGES, LOSSES, AND CAUSES OF ACTION RELATING TO YOUR USE OF THE SITE WILL BE $1,000.

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. 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.

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.

Mobile Messaging Program

Lendgo is offering a mobile messaging program (the “Program”), which you agree to use and participate in subject to these mobile messaging terms.

By opting in to or participating in any of our Programs, you accept and agree to these terms and conditions, including, without limitation, your agreement to resolve any disputes with us through binding, individual-only arbitration, as detailed in the “Dispute Resolution” section above.

By opting in to or participating in any of our Programs, you represent and warrant that you do so because of a genuine desire to receive discounts, promotions, and other news or information from Lendgo and not because of a desire or intent to initiate litigation or bring legal claims against any party. If you have requested to receive mobile messages with a desire to bring legal claims against Lendgo or any vendors acting on our behalf, then you shall immediately unsubscribe using the instructions set forth below and agree to indemnify Lendgo and/or those vendors for any expenses, including attorneys' fees, associate with defending such claims.

Regardless of the opt-in method that you utilized to join the Program, you agree that these Terms apply to your participation in the Program.

User Opt In

Consent to Receive Recurring Automated Messages. You agree to receive recurring automated promotional and personalized marketing text (e.g., SMS and MMS) messages from Lendgo, including text messages that may be sent using an automatic telephone dialing system, to the mobile telephone number you provided when signing up or any other number that you designate. By providing your phone number you represent and warrant that you are providing your own phone number, and not someone else's, and that you are a legally-authorized user of this phone number. Consent to receive automated marketing text messages is not a condition of any purchase. While you consent to receive messages sent using an autodialer, the foregoing shall not be interpreted to suggest or imply that any or all of Lendgo’s mobile messages are sent using an automatic telephone dialing system (“ATDS” or “autodialer”). Message and data rates may apply. Message frequency varies.

Consent to Receipt of Electronic Information and E-Sign. Notwithstanding anything herein to the contrary, you understand that applicable law may require Lendgo to provide certain information to you in writing in connection with any consent to receive advertising and telemarketing telephone calls and text messages. By opting-in to Lendgo's mobile messaging program, you authorize Lendgo to provide this information to you electronically instead of in a separate paper document. You understand that you may withdraw this consent, update your information, or request a free paper copy of the information by emailing us at contact@lendgo.com. You understand that to access and retain a copy of this webpage, you will need: (i) a device (such as a computer or mobile phone) with a web browser and Internet access; and (ii) available storage space on that device to download a copy of this webpage or a connected printer to print a copy of this webpage.

Disclosure of Data to Identify Device and Prevent Fraud Further, you authorize the use or disclosure of information about your account and your wireless device, if available, by or to your wireless carrier, Lendgo, or our service provider(s) to help identify you or your wireless device when you opt-in to receive text messages from Lendgo and to endeavor to detect and prevent fraud.

Changes to Terms

If you do not wish to continue participating in the Program, or no longer to these Terms, you agree to reply STOP, END, CANCEL, REVOKE, OPT OUT, UNSUBSCRIBE, or QUIT to any mobile message from Lendgo in order to opt out of the Program. You may receive an additional mobile message confirming your decision to opt out. To the maximum extent permitted by law, you understand and agree that the foregoing options are the only reasonable methods of opting out. You acknowledge that our text message platform may not recognize and respond to unsubscribe requests that alter, change, or modify the STOP, END, CANCEL, REVOKE, OPT OUT, UNSUBSCRIBE or QUIT keyword commands, such as the use of different spellings or the addition of other words or phrases to the command, and agree that Lendgo and its service providers will not have liability for failing to honor requests that are designed to circumvent the automated opt-out processes described above. You agree that other methods of opting out, including, but not limited to, texting words other than those set forth above or verbally requesting one of our employees to remove you from our list may not be deemed to be reasonable methods of opting out.

Program Description

Without limiting the scope of the Program, users that opt into the Program can expect to receive messages concerning the marketing, promotion, payment, customer support, other transactional-related messages, and sales of goods and services

AI-Generated Message Content You are advised that from time to time Lendgo may utilize certain generative artificial intelligence (AI) services provided by third-parties to develop or suggest the content of messages that we choose to send to you. Some of these messages may be tailored to your interests based on information available to Lendgo. By enrolling and remaining in the program, You agree to the use of AI and further that Lendgo’s use of these AI services does not make those third-parties either senders or initiators of the text messages or otherwise responsible for the messages.

Message Frequency, Cost and Changes. Message and data rates may apply. You agree to receive messages periodically at our discretion. Daily, weekly, and monthly message frequency will vary. We reserve the right to alter the frequency of messages sent at any time, so as to increase or decrease the total number of sent messages. We also reserve the right to change the short code or phone number from which our messages are sent.

Support Instructions For support regarding the Program, text "HELP" to the number you received messages from or email us at support@lendgo.com. Please note that the use of this email address is not an acceptable method of opting out of the program. Opt outs must be submitted in accordance with the procedures set forth above.

MMS Disclosure The Program will send SMS TMs (terminating messages) if your mobile device does not support MMS messaging.

Our Disclaimer of Warranty. The Program is offered on an "as-is" basis and may not be available in all areas at all times and may not continue to work in the event of product, software, coverage or other changes made by your wireless carrier. We will not be liable for any delays or failures in the receipt of any mobile messages connected with this Program. Delivery of mobile messages is subject to effective transmission from your wireless service provider/network operator and is outside of our control. Carriers are not liable for delayed or undelivered mobile messages.

Supported Devices. The Program is offered on an "as-is" basis. Not all mobile devices or handsets may be supported and our messages may not be deliverable in all areas. Lendgo, its service providers and the mobile carriers supported by the program are not liable for delayed or undelivered messages.

Age Restriction. You may not use or engage with the Platform if you are under thirteen (13) years of age. If you use or engage with the Platform and are between the ages of thirteen (13) and eighteen (18) years of age, you must have your parent's or legal guardian's permission to do so. By using or engaging with the Platform, you acknowledge and agree that you are not under the age of thirteen (13) years, are between the ages of thirteen (13) and eighteen (18) and have your parent's or legal guardian's permission to use or engage with the Platform, or are of adult age in your jurisdiction. By using or engaging with the Platform, you also acknowledge and agree that you are permitted by your jurisdiction's applicable law to use and/or engage with the Platform.

State Telemarketing Law - Residence. To the extent the law is relevant and applicable to the Program, we endeavor to comply with applicable state telemarketing laws, including, but not limited to, the Florida Telemarketing Act and Florida Do Not Call Act, the Oklahoma Telephone Solicitation Act of 2022, the Maryland Stop the Spam Calls Act of 2023, New Jersey's Senate Bill 921 (2023), and the Virginia Telephone Privacy Protection Act. For purposes of compliance with these state laws, you agree that we may assume that you are a resident of a particular state if, at the time of opt-in to the Program, the area code for the phone number used to opt-into the Program is an area code associated with that state. Further, you agree that you will not assert that you are a resident of a state other than the state applicable to your area code unless you affirmatively advise us in writing that you are a resident of a specific state by sending written notice to us. Insofar as you are a resident of a state with an applicable telemarketing law, you further agree that any mobile messages sent by Us in direct response to mobile messages or requests from You (including but are not limited to response to Keywords, opt-in, help or stop requests and shipping notifications) shall not constitute a “commercial telephone solicitation phone call”, “telephonic sales call”, “telemarketing sales call”, “telephone solicitation”, or “unsolicited telemarketing sales call” for purposes of these state laws, to the extent the law is otherwise relevant and applicable.

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 December 19, 2025