Terms of Use

Last Updated: January 20, 2025

1. Agreement & Acceptance

By accessing converfund.com (“Site,” “we,” “us”), you agree to these Terms of Service (“Terms”). If you disagree, do not use our platform.
We reserve the right to revise these Terms at any time by posting updates on this page. Continued site use constitutes acceptance of revised terms.

Mandatory Binding Arbitration: These Terms contain a binding arbitration agreement and class action waiver. Disputes must be resolved through individual arbitration, not in court or via class action suits. You maintain the right to opt out within 30 days of first access.

Our services are intended exclusively for U.S. residents aged 18 or older who hold the legal capacity to enter binding contracts.
You must act solely on your own behalf for personal, non-commercial purposes.

Matching Service: We operate an online referral platform connecting users seeking loans with participating lenders, lender networks, and third-party financial service providers.
Free Service & Compensation: Our service is 100% free to borrowers. We receive financial compensation from lenders and marketers for referrals and advertising placement. This compensation may influence which lenders or offers are presented to you.
Privacy & Practices: By using our platform, you acknowledge and agree to our Advertiser Practices Disclosure and Privacy Policy.

You complete a online request form with accurate personal and financial details. Submitting false information or impersonating third parties is strictly prohibited.
By submitting a request, you authorize our lending partners to review, verify, and pull your credit report to assess loan eligibility.
Once matched, you will be redirected to the lender's platform. Our involvement ends at redirection; all subsequent interactions are governed strictly by the lender's independent terms and policies. You are under no obligation to accept any loan offer.

Not a Lender: We are not a lender, creditor, loan broker, or financial advisor. We do not make credit decisions, issue loans, or guarantee loan approvals.
No Loan Guarantees: Loan amounts ($200–$5,000), rates, and terms are set independently by lenders based on individual credit criteria and state laws[cite: 5, 7]. We do not endorse or verify lender licensing.
State Availability: Services and lender coverage vary by state and may not be available in all U.S. jurisdictions.
Financial Responsibility: Information provided on our site is for general reference only and does not constitute financial or legal advice. You are solely responsible for evaluating loan offers and terms.

Credit Report Consent: You authorize us and our partners to obtain credit details (e.g., credit score, debt levels) from credit bureaus (TransUnion, Experian, Equifax) for evaluation and service matching.
Electronic Consent (E-Consent): You agree to execute contracts, receive notices, and conduct business electronically per our E-Consent Terms.
Communications: Submitting an inquiry establishes a business relationship allowing us to contact you for up to 180 days. You may opt out of promotional communications at any time via provided unsubscribe links.

Users must not: submit false information or apply on behalf of others; bypass security systems; scrape content/data using automated software; distribute viruses, spam, or malware; attempt to reverse-engineer source code; or violate intellectual property rights. Violations may result in service termination and legal action.

Third-Party Sites: We do not control, endorse, or assume liability for third-party websites linked on our platform. Accessing external sites is at your own risk.
Intellectual Property: All website text, graphics, logos, and code are owned exclusively by us or our licensors. You are granted a limited, non-exclusive license for personal use only.

"As-Is" Service: The site and services are provided "AS IS" without warranties of any kind, express or implied (including merchantability or fitness for a particular purpose).
Liability Cap: We are not liable for indirect, incidental, or consequential damages resulting from site usage or lender interactions. Our maximum cumulative liability to you under any circumstance is capped at $100.00.

Indemnification: You agree to defend and hold us harmless from any claims, losses, liabilities, or legal expenses arising from your breach of these Terms or your interactions with lenders.
Governing Law: These Terms are governed by the laws of the State of Nevada, with performance treated as executed in Las Vegas, Nevada. Legal claims must be filed within one (1) year of the cause of action arising.

12. Arbitration Agreement & Opt-Out

Individual Binding Arbitration: All disputes arising under these Terms shall be resolved via binding individual arbitration administered by the American Arbitration Association (AAA) under its Commercial Arbitration Rules. Jury trials and class-wide actions are strictly waived.
Opt-Out Procedure: You may opt out of arbitration within 30 days of first using the platform by emailing [email protected] with the subject line “Arbitration Opt-Out”.

13. Contact Information

For legal notices, inquiries, or support, please email us directly at [email protected].