Disclaimer

1. LumoLoans' Role

LumoLoans provides an online starting point for consumers who want to explore personal loan options. Depending on the service and information submitted, LumoLoans may connect or direct a consumer to a participating lender, provider, network, or other service partner.

Unless expressly stated otherwise in a separate agreement or disclosure, LumoLoans should not be understood to be the lender making a loan offer simply because it operates the website or collects a request.

The exact role of LumoLoans should be confirmed against the company's actual legal and commercial structure before this page is published.

2. Approval Is Not Guaranteed

Submitting information through the website does not mean that you have been approved for a loan. A request may be declined, no matching provider may be available, or a provider may request additional information before making a decision.

There is no guarantee that you will receive an offer or that an offer will be available on terms that meet your needs.

3. Loan Terms May Vary

If a participating provider makes an offer, the provider determines the terms applicable to that offer. Depending on the product and provider, these terms may include:

• loan amount;
• annual percentage rate (APR) or interest rate;
• origination or other fees;
• repayment period;
• payment amount and payment frequency;
• late fees or other applicable charges; and
• other conditions contained in the provider's agreement.

Terms may depend on factors such as the provider's eligibility requirements, applicable law, information supplied by the consumer, and the provider's own underwriting or verification process.

4. Third-Party Provider Decisions

Participating lenders and providers are responsible for making their own decisions about whether to offer a financial product and what terms to provide. LumoLoans does not control a provider's underwriting criteria, eligibility decision, credit evaluation, pricing, or funding decision.

If you are redirected to or contacted by a provider, review that provider's privacy policy, terms, disclosures, and loan agreement carefully. The provider's agreement governs any loan you accept.

5. Availability and Eligibility

Not all loan products, providers, or services are available to all consumers. Availability can vary based on state of residence, provider requirements, product requirements, and other factors.

LumoLoans does not guarantee that the Services or a particular provider will be available in every state or to every consumer.

6. Cost of Borrowing

Before accepting any loan, carefully consider the total cost of borrowing. A loan may include interest, APR, origination fees, late charges, or other costs depending on the provider and product.

Do not evaluate an offer based only on the amount of money you may receive. Review the APR, total finance charges, payment amount, repayment period, and total amount you will repay.

7. Not Financial Advice

Information on the LumoLoans website is provided for general informational purposes and to explain the online request process. It is not intended to constitute financial, investment, tax, accounting, legal, or credit-repair advice.

You are responsible for evaluating whether a financial product is appropriate for your circumstances. Consider obtaining independent professional advice when appropriate.

8. Website Information

We aim to keep website information useful and current, but information may change and may not always reflect the latest provider requirements, product availability, or legal requirements.

Unless specifically stated, examples, ranges, descriptions, and educational content should not be interpreted as a promise that a particular loan product or term will be available to you.

We do not guarantee that the website will always be available, uninterrupted, error-free, or free from technical problems.

9. Third-Party Websites and Services

LumoLoans may provide links, redirects, advertisements, or connections to third-party websites and providers. Those parties operate independently and may have their own terms, privacy policies, disclosures, and practices.

LumoLoans is not responsible for third-party content, availability, products, services, privacy practices, or terms that we do not control. Review third-party information carefully before providing additional information or entering into an agreement.

10. Security and Transmission

We use reasonable measures intended to protect information submitted through our website, but no website or internet transmission can be guaranteed to be completely secure.

Do not submit Social Security numbers, bank-account credentials, payment-card information, passwords, or other highly sensitive financial information through ordinary email or a general contact form. Use only a secure process specifically designed to collect such information when requested.

11. Contact

For questions about this Disclaimer or the LumoLoans website, visit our Contact page.