Disclaimer

Introduction

At Loansfax, we believe in being transparent and honest in all of our advertising and marketing practices. These Advertising & Marketing Disclosures explain how our platform is funded, how we present information to you, and the standards and regulations we adhere to in our marketing communications. By using our site or interacting with our marketing content (emails, advertisements, etc.), you should understand the following:

How We Make Money (Compensation Disclosure)

Loansfax's service is free to consumers – we do not charge you any fees to use our site or to be matched with providers. Instead, Loansfax is typically compensated by our network of third-party partners (such as lenders, brokers, or insurers) when we refer potential customers to them. This compensation may be in the form of a fee per lead, a commission for a funded loan or closed sale, or other arrangement.

Because partners pay us, Loansfax may feature certain providers or offers more prominently on our site or in emails. For example, a lender that has a higher compensation arrangement might appear as a "Featured" option. However, we do not rank or present partners solely based on compensation – we also consider factors such as relevance to your inquiry and overall competitiveness of their offerings. Our goal is to provide options that align with your needs. We disclose any "sponsored" or paid placements so that you are aware of our relationship. In all cases, offers from our partners may vary based on your personal qualifications and the partner's criteria. The presence of a partner's offer on our site does not constitute an endorsement by Loansfax, and you are always free to seek out alternatives.

Truth in Advertising and FTC Compliance

Loansfax adheres to the principle of "truth in advertising." This means all statements in our advertisements, emails, and web content must be truthful and not misleading, and any claims are supported by evidence. We comply with the Federal Trade Commission (FTC) guidelines and regulations regarding advertising, marketing, and endorsements. For example:

Clear and Conspicuous Disclosures:

If an offer has material conditions (such as "rates as low as X%" which only some users qualify for), we endeavor to disclose those conditions clearly. We avoid fine print that would mislead the average consumer.

Testimonials & Endorsements:

Any testimonials, reviews, or endorsement content we use in marketing are either from real users or identified as such. Some reviews may be aggregated from third-party platforms (e.g., TrustPilot or Google reviews) to provide an overview of user sentiment. If we ever use an endorsement from a person with whom we have a material connection (for example, a paid spokesperson or a partner providing a testimonial), we will clearly disclose the material connection in accordance with FTC Endorsement Guides. We do not falsify or fabricate any reviews or testimonials.

No Guaranteed Results:

We never guarantee that you will achieve specific results (for instance, "cut your debt in half!" or "get a loan in 5 minutes guaranteed"). Any claims about outcomes are either examples or averages, and individual results will vary. Whenever success stories or hypothetical scenarios are mentioned, we clarify that they are not universal.

Monitoring and Compliance:

Our marketing team and compliance team review advertising materials for compliance with laws and guidelines. We remain up-to-date with FTC rules, including guidelines on digital advertising, social media, and email marketing, to ensure our practices meet current standards.

By following these practices, we aim to provide you with information that is helpful without deceptive hype. If you ever spot an advertisement or statement from Loansfax that you believe is inaccurate or misleading, please let us know.

Email & SMS Marketing Disclosures

When Loansfax sends you marketing emails or text messages, we abide by the following principles:

For SMS/text messages, we include instructions on how to opt out (e.g., replying "STOP"). Standard message and data rates may apply, and frequency of messages will be as described when you opted in. We only send SMS messages to users who have given explicit consent, per TCPA requirements.

Partner and Offer Disclosure

When we display offers or information from our partners, please be aware:

• Offer Details from Partners: We display summary information for convenience. The full details of any offer will be provided by the partner. Always review the official documentation before committing.
• No Independent Verification: While Loansfax vets its network of partners for reputation and compliance, we do not independently verify every claim a partner makes about their services.
• Comparative Advertising: If our site or ads compare multiple providers or products side-by-side, the comparison is intended to be fair, but not all features can be captured in a summary.
• Rates and Terms: Any rates, APRs, fees, or terms shown are examples or estimates unless otherwise stated. Your actual terms will depend on your application, creditworthiness, and the partner's underwriting criteria.
• Availability: Not all offers are available in all states or to all applicants. Some offers may have specific eligibility requirements.

Regulatory Compliance Statements

Loansfax is committed to complying with all applicable federal and state regulations governing our marketing activities. This includes, but is not limited to:

• TCPA (Telephone Consumer Protection Act): We only call or text consumers who have given us proper consent and honor opt-out requests.
• CAN-SPAM Act: Our emails meet CAN-SPAM requirements, including accurate subject lines and functional unsubscribe mechanisms.
• State Privacy Laws: We honor opt-out requests under laws like CCPA/CPRA and comply with data sharing rules. See our Privacy Policy for more details.
• GLBA (Gramm-Leach-Bliley Act): We comply with applicable privacy provisions and safeguard consumer financial data.
• UDAP (Unfair or Deceptive Acts or Practices): We avoid unfair or deceptive acts or practices in all our marketing and business operations.
• FTC Act Section 5: We conduct our advertising in accordance with FTC Act provisions prohibiting unfair or deceptive acts or practices in commerce.

Industry-Specific Disclaimers

Business & Personal Loans:

Loansfax is not a lender. Any loan offers you receive come from third-party lenders or brokers in our network. We do not make credit decisions. Approval, rates, and terms are determined solely by the lender based on your application and creditworthiness. Loan products may have fees, and you should review all terms before accepting any offer.

Debt Relief:

We connect you with third-party debt relief providers (such as debt settlement or debt consolidation companies). Results vary and depend on many factors including your financial situation, creditor cooperation, and the specific program. Debt relief programs may negatively affect your credit score. There are risks involved, including potential lawsuits from creditors. We recommend consulting with a financial advisor or attorney before enrolling in any debt relief program.

Credit Repair:

Loansfax is not a credit repair organization as defined under federal or state law. We simply refer you to third-party credit repair or credit counseling services. Outcomes are not guaranteed. No company can remove accurate negative information from your credit report. You have the right to dispute inaccurate information yourself for free. Be wary of any company that promises immediate results or asks you to pay upfront fees before performing services (which may violate the Credit Repair Organizations Act).

Insurance:

Loansfax does not underwrite, sell, or provide insurance policies. We connect you with licensed insurance agents, brokers, or carriers. Any insurance quotes you receive are estimates and subject to underwriting approval. Actual premiums and coverage will be determined by the insurance provider based on your application and risk factors. You should review policy details carefully before purchasing.

Mortgage & Refinance:

We connect you with licensed mortgage lenders or brokers. Rates and terms displayed are estimates only and not guaranteed offers of credit. Your actual mortgage rate will depend on your credit profile, income, property details, and lender underwriting. All mortgage products involve costs (origination fees, closing costs, etc.), and you should obtain a Loan Estimate from the lender before proceeding. Refinancing may extend your loan term or increase total interest paid over the life of the loan.

In all categories above, performing your own due diligence is crucial. Loansfax provides a starting point to explore options, but the inclusion of an offer is not a substitute for your independent research.

Partner Compliance and Liability

We require every partner in our network to comply with all relevant federal and state laws, including licensing requirements and consumer protection regulations. We also require partners to honor consumer privacy choices and opt-out requests. However, Loansfax cannot guarantee the conduct of third-party partners. Once your information is transferred to a partner at your request, communications and dealings are between you and that partner. Loansfax is not responsible for any partner's failure to comply with laws or for any disputes between you and a partner.

If you have a complaint about a partner's conduct, we encourage you to report it to us so we can investigate. We also recommend you report any suspected violations to the appropriate regulatory authorities (such as the Consumer Financial Protection Bureau, your state attorney general, or the FTC).

Accessibility of Marketing Materials

We are committed to making our marketing content accessible to individuals with disabilities, in accordance with applicable accessibility standards. If you encounter any accessibility barriers in our marketing materials or on our website, please contact us at info@loansfax.com. We will work to provide the information in an alternative format that meets your needs.

Updates to These Disclosures

This Disclaimer page may be updated periodically to reflect changes in our practices, services, or applicable laws and regulations. We will post any updated version on our website with a new effective date. Material changes may be highlighted on our website or communicated via email to users. We encourage you to review this page periodically to stay informed about our advertising and marketing practices.

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