Terms of Use

1. Representative loan terms; APR, repayment, and disclosures

The Annual Percentage Rate (“APR”) is the yearly cost of borrowing expressed as a percentage and may include interest and certain eligible fees. APRs, repayment periods, fees, and available loan amounts are determined solely by the third-party lender or financial provider making an offer—not by the Company. Representative ranges that may appear in marketing or through the Services are summarized on our Rates & Fees page (for example, amounts from $100 to $5,000, repayment terms from 3–24 months, and APRs from 5.99% to 35.99% in some cases, depending on eligibility and state law).

You will receive legally required disclosures before you enter into any loan agreement (for example, Truth in Lending-style disclosures). Review those documents carefully; they control the cost and schedule of credit—not this website.

2. Eligibility

You must be at least 18 years of age (or the age of majority in your jurisdiction), a lawful resident of the United States, and capable of forming a legally binding contract to use the Services. By using the Services, you represent and warrant that you meet these requirements. If you use the Services on behalf of an organization, you represent that you have authority to bind that organization, and “you” includes that organization.

3. The Services; not a lender

The Services provide information, technology, and marketing that may help you explore loan-related products offered by independent third-party lenders or lead generators. LUMEN LOAN PROCESSING, LLC is not a bank, credit union, or lender with respect to all products that may be presented, and does not make credit decisions. Any approval, denial, interest rate, fee, or loan amount is determined solely by the applicable third party subject to law. Nothing on the Services constitutes an offer of credit or a commitment to lend.

You may submit a request through the Services so that participating lenders or partners can evaluate whether to present an offer. Any loan agreement, funding, or repayment plan is between you and the lender or provider. We provide the platform, facilitate transmission of information where applicable, and customer support related to the Services as described in these Terms.

4. Compensation

We do not charge you a separate fee solely to browse the Services or to submit a request to be matched with lenders in the ordinary course. We may receive referral fees, marketing fees, or other compensation from lenders, lead generators, or partners if you are connected with them through the Services and/or obtain a loan or other product. That compensation does not change the terms of any offer from a lender; those terms are determined by the lender and applicable law.

5. Account registration and security

Certain features may require you to create an account. You agree to provide accurate, current, and complete information and to update it as necessary. You are responsible for safeguarding your password and for all activity under your account. You must notify us promptly at [email protected] of any unauthorized use. We may suspend or terminate accounts that violate these Terms or pose security risks.

6. Acceptable use

You agree not to: (a) use the Services for any unlawful purpose or in violation of any law or regulation; (b) attempt to gain unauthorized access to our systems, other users’ accounts, or third-party systems; (c) transmit viruses, malware, or harmful code; (d) scrape, crawl, or use automated means to access the Services without our prior written consent, except that public search engines may use spiders to copy materials for creating publicly available searchable indices; (e) interfere with or disrupt the integrity or performance of the Services; (f) impersonate any person or entity or misrepresent your affiliation; (g) harass, abuse, or harm another person; (h) collect or store personal data about other users without their consent; or (i) circumvent technological measures we use to protect the Services.

7. Intellectual property

The Services, including all software, text, graphics, logos, images, and compilation thereof, are owned by the Company or our licensors and are protected by copyright, trademark, and other intellectual property laws. Subject to these Terms, we grant you a limited, non-exclusive, non-transferable, revocable license to access and use the Services for your personal, non-commercial use. Except as expressly permitted, you may not copy, modify, distribute, sell, lease, or create derivative works from the Services. All rights not expressly granted are reserved.

8. Third-party services and lenders

The Services may contain links to third-party websites, applications, or loan application flows. We do not control and are not responsible for third-party content, privacy practices, or terms. Your dealings with third parties, including lenders, are solely between you and the third party. When you submit an application or leave our Services to complete a transaction, you may be subject to that third party’s terms and privacy policy.

9. Electronic communications

By using the Services, you agree that we may deliver notices, disclosures, and other records electronically as described in our Electronic Communications Consent. You may withdraw consent to certain non-essential electronic messages as permitted by law; withdrawing may limit your ability to use some features.

10. Disclaimers

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, THE SERVICES ARE PROVIDED “AS IS” AND “AS AVAILABLE” WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED, OR STATUTORY, INCLUDING IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE SERVICES WILL BE UNINTERRUPTED, ERROR-FREE, OR FREE OF HARMFUL COMPONENTS. SOME JURISDICTIONS DO NOT ALLOW CERTAIN DISCLAIMERS; IN THOSE JURISDICTIONS, OUR WARRANTIES ARE LIMITED TO THE MAXIMUM EXTENT PERMITTED BY LAW.

11. Limitation of liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, IN NO EVENT WILL THE COMPANY, ITS AFFILIATES, OFFICERS, DIRECTORS, EMPLOYEES, OR AGENTS BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR ANY LOSS OF PROFITS, DATA, GOODWILL, OR OTHER INTANGIBLE LOSSES, ARISING OUT OF OR RELATED TO YOUR USE OF THE SERVICES, WHETHER BASED ON WARRANTY, CONTRACT, TORT (INCLUDING NEGLIGENCE), OR ANY OTHER LEGAL THEORY, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. OUR TOTAL LIABILITY FOR ANY CLAIM ARISING OUT OF OR RELATED TO THESE TERMS OR THE SERVICES SHALL NOT EXCEED THE GREATER OF (A) ONE HUNDRED U.S. DOLLARS ($100) OR (B) THE AMOUNTS YOU PAID US (IF ANY) FOR USE OF THE SERVICES IN THE TWELVE (12) MONTHS PRECEDING THE CLAIM. SOME JURISDICTIONS DO NOT ALLOW CERTAIN LIMITATIONS; IN THOSE JURISDICTIONS, OUR LIABILITY IS LIMITED TO THE MAXIMUM EXTENT PERMITTED BY LAW.

12. Indemnification

You agree to defend, indemnify, and hold harmless the Company and its affiliates, officers, directors, employees, and agents from and against any claims, liabilities, damages, losses, costs, or expenses (including reasonable attorneys’ fees) arising out of or related to your use of the Services, your violation of these Terms, or your violation of any rights of a third party.

13. Dispute resolution; arbitration; class action waiver

Please read this section carefully; it affects your rights.

Informal resolution: Before filing a claim, you agree to contact us at [email protected] to attempt to resolve the dispute informally for at least thirty (30) days.

Binding arbitration: Except where prohibited by law or where you opt out as provided below, any dispute arising out of or relating to these Terms or the Services shall be resolved by binding arbitration administered by the American Arbitration Association (AAA) under its Consumer Arbitration Rules, except as modified herein. The arbitration will be conducted in English in Duval County, Florida, unless you and we agree otherwise. The arbitrator’s decision will be final and binding, and judgment may be entered in any court of competent jurisdiction.

Class action waiver: YOU AND THE COMPANY AGREE THAT EACH MAY BRING CLAIMS AGAINST THE OTHER ONLY IN YOUR OR ITS INDIVIDUAL CAPACITY AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS OR REPRESENTATIVE PROCEEDING, UNLESS BOTH YOU AND THE COMPANY OTHERWISE AGREE IN WRITING.

Opt-out: You may opt out of this arbitration agreement by sending written notice to LUMEN LOAN PROCESSING, LLC, 13677 HARLOWTON AVE, JACKSONVILLE, FL 32256, within thirty (30) days of first accepting these Terms, including your name, address, and a clear statement that you opt out of arbitration. If you opt out, the arbitration agreement does not apply, but the class action waiver may still apply to the extent enforceable under applicable law.

Exceptions: Either party may seek injunctive or equitable relief in court for intellectual property infringement or unauthorized access. Small claims court may be available for qualifying disputes.

14. Governing law

These Terms are governed by the laws of the State of Florida, without regard to conflict-of-law principles, except where preempted by federal law.

15. Modifications

We may modify these Terms at any time by posting the updated Terms on the Services. Material changes may be communicated through additional notice as required by law. Your continued use after the effective date constitutes acceptance of the revised Terms. If you do not agree, you must stop using the Services.

16. Termination

We may suspend or terminate your access to the Services at any time, with or without cause or notice. Provisions of these Terms that by their nature should survive termination (including intellectual property, disclaimers, limitation of liability, indemnity, and dispute resolution) shall survive.

17. General

These Terms constitute the entire agreement between you and the Company regarding the Services and supersede prior agreements on this subject. If any provision is held invalid, the remaining provisions remain in effect. Our failure to enforce any right or provision is not a waiver. You may not assign these Terms without our consent; we may assign them in connection with a merger or sale of assets. Section titles are for convenience only.

18. Contact