Terms of Use
- Date:
This website (“Website”) is owned and operated by SunStar Lending LLC. As used in these Terms, the terms “we,” “our,” and “us” refer to SunStar Lending LLC and its affiliates, employees, agents, officers, directors, and managers. By accessing and using this Website, including any of the services offered through this Website, you agree to be bound by the following terms and conditions (“Terms”)
If you do not agree to these Terms, please do not use this Website or any of the services provided.
THIS TERMS OF USE AGREEMENT INCLUDES A MANDATORY ARBITRATION PROVISION AND A WAIVER OF CLASS ACTION RIGHTS. PLEASE REVIEW THESE PROVISIONS CAREFULLY.
1. Services
SunStar Lending provides a platform where individuals can access information on loan products and financial services. This Website is intended for personal, non-commercial use, and is designed for U.S. residents who are at least 18 years old. By using this Website, you acknowledge that you are using it for lawful purposes and agree to adhere to all applicable laws and regulations.
2. Eligibility and Application
To use our services or apply for a loan, you must:
By submitting an application, you authorize us to perform credit checks and other verifications necessary to process your loan request. Approval is not guaranteed and is subject to creditworthiness, income verification, and other criteria set forth by SunStar Lending.
- Be at least 18 years old.
- Be a U.S. citizen or legal resident.
- Provide accurate and complete information as requested in the loan application process.
By submitting an application, you authorize us to perform credit checks and other verifications necessary to process your loan request. Approval is not guaranteed and is subject to creditworthiness, income verification, and other criteria set forth by SunStar Lending.
3. Loan Terms and Conditions
All loan terms, including interest rates, repayment periods, and fees, will be outlined in your loan agreement. By accepting the loan offer, you agree to comply with these terms. Loan eligibility, amounts, and interest rates are determined based on factors including but not limited to, your credit score, income, and state of residence.
4. Fees
SunStar Lending believes in full transparency. Any applicable fees (e.g., origination fees, late payment fees) will be clearly disclosed in your loan agreement. You will not be charged fees for applying for a loan.
5. Use of Funds
The funds from your loan are to be used for the purposes specified in your application (e.g., debt consolidation, home improvement, education). Misuse of loan funds could result in penalties or defaulting on your loan.
6. Credit Reporting
When you apply for a loan, we may initiate a “soft” pull of your credit report to assess your eligibility for loan terms and conditions. This will not affect your credit score. If you accept the loan, a “hard” inquiry will be performed, which may impact your credit score. We may report your loan payments and other information to credit bureaus.
7. Privacy
Your use of our Website and services is subject to our Privacy Policy, which outlines how your personal information is collected, used, and shared. By using this Website, you agree to the collection and use of your information as described in our Privacy Policy.
8. Electronic Communications
By using this Website or applying for a loan, you consent to receiving communications from SunStar Lending electronically. These communications may include loan agreements, disclosures, updates, and any other information related to your loan. You agree that these communications satisfy any legal requirement that such communications be in writing.
9. Intellectual Property
SunStar Lending LLC owns all intellectual property rights to the content available on this Website, including but not limited to text, logos, images, and software. You may use this content only for personal, non-commercial purposes. You may not reproduce, distribute, modify, or use any content from this Website without prior written consent from SunStar Lending.
You must not:
- Republish material from this Website.
- Sell, rent, or sub-license content from this Website.
- Reproduce or copy content without explicit permission.
10. Third-Party Websites
This Website may include links to third-party websites or services (“Third-Party Services”). SunStar Lending is not responsible for the content, accuracy, or security of any Third-Party Services. Your use of these Third-Party Services is at your own risk, and any interaction with these third parties is solely between you and them.
11. Limitation of Liability
SunStar Lending provides this Website and its services on an “as is” basis, without any warranties or representations, whether express or implied. To the fullest extent permitted by law, SunStar Lending disclaims all warranties, including but not limited to warranties of merchantability, fitness for a particular purpose, and non-infringement.
Under no circumstances shall SunStar Lending or its affiliates be liable for any direct, indirect, incidental, punitive, or consequential damages that result from your use of this Website or services, including but not limited to lost profits, lost data, or interruption of service.
10. Third-Party Websites
Any disputes arising from your use of this Website or services will be resolved through binding arbitration under the rules of the American Arbitration Association. You waive your right to a jury trial or to participate in any class-action lawsuits. The arbitration shall be conducted in the state of [Insert State], and the decision of the arbitrator shall be final and binding.
13. Prohibited Use
You agree not to use this Website to:
- Submit false or misleading information.
- Violate any local, state, or federal laws.
- Infringe on the intellectual property rights of others.
- Submit any content that is unlawful, harassing, threatening, or otherwise inappropriate.
14. Revisions to Terms
SunStar Lending reserves the right to modify these Terms at any time. Changes will be effective immediately upon posting to this Website. Your continued use of this Website or services after any such changes constitutes your acceptance of the new Terms.
By accessing this Website or using our services, you acknowledge that you have read, understood, and agreed to these Terms of Use.