Acceptance of These Terms
These Terms of Use govern your access to and use of the Idea Financials website and its connecting service. By using the site or submitting a request, you agree to these terms; if you do not agree, please do not use the site.
The Service
Idea Financials operates a loan connecting service. We are not a lender and do not make credit decisions. Submitting a request authorizes us to transmit your information to independent third-party lenders and service providers, who may present offers under their own terms. Any loan agreement is exclusively between you and your lender, and their terms govern that relationship.
Eligibility to Use the Site
You must be at least eighteen years old and a U.S. resident to submit a request. You agree that information you provide is accurate, current, and yours to provide, and that you will not use the service for any unlawful purpose.
No Financial Advice
Content on this site — including guides, articles, calculators, rate ranges, and examples — is educational information, not financial, legal, or tax advice, and not a recommendation of any particular product or lender. Figures shown are estimates for illustration; only a lender's written agreement states binding terms.
Intellectual Property
The site's content, design, and branding belong to Idea Financials or its licensors. You may use the site for personal, non-commercial purposes; copying, scraping, or republishing content without permission is prohibited.
Disclaimers and Limitation of Liability
The site and service are provided as is and as available, without warranties of any kind, express or implied. We do not warrant that offers will be available to you, that lenders will approve any request, or that the site will be uninterrupted or error-free. To the fullest extent permitted by law, Idea Financials is not liable for indirect, incidental, or consequential damages arising from use of the site or service, and our total liability for any claim is limited to the amount you paid us to use the service — which is zero.
Third-Party Lenders and Links
Lenders in the network are independent companies. We are not responsible for their decisions, terms, disclosures, or conduct, and any dispute regarding a loan belongs between you and your lender under your agreement with them.
Changes and Contact
We may update these terms; the version published here is the one in effect. Continued use after changes constitutes acceptance. Questions about these terms are welcome through our contact page.