Terms & Conditions
Please read these terms carefully before using the LumoLoans website.
1. Acceptance of These Terms
These Terms & Conditions ("Terms") govern your access to and use of the LumoLoans website, online request forms, content, tools, and related services (collectively, the "Services"). By accessing or using the Services, you agree to be bound by these Terms and any applicable policies or disclosures incorporated by reference.
If you do not agree with these Terms, do not use the Services.
2. Eligibility
You may use the Services only if you are legally capable of entering into a binding agreement and meet any age, residency, identity, and other requirements applicable to the particular service.
The Services are intended for consumers in the United States. Availability may vary by state and provider. You are responsible for ensuring that your use of the Services is lawful in your location.
3. Our Service
LumoLoans provides an online starting point for consumers who want to explore personal loan options. We may collect information you submit and, where an option is available, connect or direct you to a participating lender, provider, network, or other service partner.
LumoLoans is not promising that you will receive an offer, qualify for a loan, receive a particular amount, receive a particular APR or interest rate, or receive funding.
The availability, functionality, and content of the Services may change from time to time.
4. Third-Party Providers and Loan Offers
A participating provider, and not LumoLoans, may make the final decision about whether to offer you a loan or other financial product. The provider may independently evaluate your information and may request additional information or verification.
If you receive an offer, the provider determines the applicable loan amount, APR, interest rate, fees, repayment period, payment schedule, and other terms. You should carefully review the provider's agreement and disclosures before accepting.
LumoLoans does not guarantee that any particular lender or provider will be available to you, and we do not guarantee the accuracy of a provider's eligibility determination or terms.
5. Information You Provide
You agree that information you submit through the Services will be truthful, accurate, current, and complete to the best of your knowledge. You agree to update information when reasonably necessary to keep it accurate.
You should not submit another person's information without authorization. Do not submit passwords, payment-card details, full bank-account credentials, Social Security numbers, or other highly sensitive information through a form unless the specific secure process expressly requests it.
Our handling of personal information is described in our Privacy Policy.
6. Your Responsibilities
You are responsible for:
- using the Services only for lawful purposes;
- providing accurate information;
- protecting the security of your devices, accounts, and login information, if applicable;
- reviewing all applicable provider disclosures and agreements before accepting an offer; and
- complying with applicable laws and these Terms.
7. Prohibited Uses
You may not use the Services to:
- violate any applicable law, regulation, or third-party right;
- provide false, misleading, fraudulent, or impersonated information;
- attempt to gain unauthorized access to the website, systems, accounts, or data;
- introduce malware, malicious code, automated attacks, or other harmful material;
- scrape, copy, reproduce, or systematically extract website content without authorization;
- interfere with the security, availability, or operation of the Services; or
- use the Services for an unlawful or abusive purpose.
8. Electronic Communications
When you submit information electronically, communicate with us, or use the Services, you consent to receive electronic communications related to your request, account, transaction, security, or customer-support inquiry where permitted by law.
Where separate consent is required for marketing email or text messages, applicable consent disclosures and opt-out instructions will apply. See our E-Consent Disclosure for information about electronic records and communications.
9. Intellectual Property
The LumoLoans website and its original content, design, branding, logos, graphics, text, software, and other materials are owned by or licensed to LumoLoans or its applicable licensors and are protected by applicable intellectual-property laws.
Except as expressly permitted, you may not copy, modify, distribute, sell, publish, create derivative works from, or exploit website content without prior written authorization.
10. Third-Party Websites and Services
The Services may contain links, redirects, advertisements, integrations, or other connections to third-party websites and services. Third parties operate under their own terms, privacy policies, and disclosures.
LumoLoans is not responsible for the content, availability, security, privacy practices, products, or services of third parties that we do not control. Your dealings with a third party are between you and that party.
11. Disclaimers
TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, THE SERVICES ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS. LUMOLOANS DISCLAIMS WARRANTIES THAT ARE NOT EXPRESSLY PROVIDED IN THESE TERMS, INCLUDING IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT, TO THE EXTENT SUCH DISCLAIMERS ARE PERMITTED BY LAW.
LumoLoans does not warrant that the Services will always be uninterrupted, secure, error-free, accurate, complete, or available; that every request will result in an offer; or that any particular loan amount, APR, rate, fee, repayment term, approval, or funding will be available.
Nothing in these Terms is intended to exclude or limit a consumer protection, warranty, or other right that cannot lawfully be excluded or limited.
12. Limitation of Liability
TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, LUMOLOANS AND ITS AFFILIATES, OFFICERS, EMPLOYEES, CONTRACTORS, AND SERVICE PROVIDERS WILL NOT BE LIABLE FOR INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR FOR LOST PROFITS, REVENUE, DATA, OR BUSINESS OPPORTUNITIES, ARISING OUT OF OR RELATED TO YOUR USE OF THE SERVICES.
TO THE MAXIMUM EXTENT PERMITTED BY LAW, THE TOTAL LIABILITY OF LUMOLOANS FOR CLAIMS ARISING OUT OF OR RELATING TO THE SERVICES WILL BE LIMITED TO THE AMOUNT YOU PAID TO LUMOLOANS, IF ANY, FOR THE SERVICES GIVING RISE TO THE CLAIM DURING THE TWELVE MONTHS BEFORE THE EVENT GIVING RISE TO THE CLAIM.
These limitations do not apply to liability that cannot lawfully be limited or excluded.
13. Indemnification
To the extent permitted by applicable law, you agree to defend, indemnify, and hold harmless LumoLoans and its affiliates, officers, employees, contractors, and service providers from claims, liabilities, damages, losses, and reasonable expenses arising out of your unlawful use of the Services, violation of these Terms, or infringement of another person's rights.
14. Termination
We may suspend or terminate access to the Services when reasonably necessary, including for suspected fraud, abuse, security concerns, violation of these Terms, legal requirements, or operational reasons.
Provisions that by their nature should survive termination, including applicable disclaimers, limitations of liability, intellectual-property provisions, and dispute provisions, will survive as permitted by law.
15. Changes to These Terms
We may update these Terms from time to time. The revised version will be posted on this page with an updated date. Where required by law, we will provide additional notice or obtain consent.
Your continued use of the Services after an updated version becomes effective constitutes acceptance of the revised Terms to the extent permitted by law.
16. Governing Law and Disputes
State-specific provision to be finalized before launch: These Terms should identify the governing law and dispute-resolution rules applicable to the actual LumoLoans legal entity and its customers after review by qualified counsel.
Nothing in this section is intended to waive rights or remedies that cannot legally be waived, including applicable consumer-protection rights or rights provided by mandatory law in a consumer's state of residence.
17. General Provisions
If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions will remain in effect to the extent permitted by law. Failure to enforce a provision does not waive the right to enforce it later.
These Terms, together with the Privacy Policy and other disclosures expressly incorporated into the Services, represent the applicable agreement regarding use of the LumoLoans website, except where a separate written agreement controls.
18. Contact
If you have questions about these Terms, please use the Contact page. Please do not include your Social Security number, bank account number, payment-card information, passwords, or other sensitive financial information in an ordinary contact form.