Terms of Service

Last Updated: January 2025

Welcome to PetCare Finance Hub. These Terms of Service ("Terms") govern your use of our website and services. By accessing or using our website, you agree to be bound by these Terms. If you do not agree with these Terms, please do not use our services.

1. Service Description

1.1 What We Do

PetCare Finance Hub operates a marketing and lead generation service that:

• Collects information from consumers seeking pet care financing
• Shares that information with third-party lending partners in our network
• Facilitates connections between consumers and potential lenders

1.2 What We Do NOT Do

PetCare Finance Hub does NOT:

• Make loans or extend credit
• Make credit decisions or approve/deny applications
• Set interest rates, loan terms, or fees
• Guarantee that you will receive loan offers
• Guarantee approval for any financing product
• Act as a lender, broker, or financial advisor

2. Eligibility

To use our services, you must:

• Be at least 18 years of age
• Be a legal resident of the United States
• Have a valid email address and phone number
• Provide accurate and truthful information
• Have the legal capacity to enter into binding agreements

3. User Consent and Authorization

3.1 Consent to Share Information

By submitting your information through our website, you expressly consent to and authorize:

• The collection of your personal and financial information
• The sharing of your information with third-party lending partners, financial service providers, and marketing partners
• These third parties to contact you regarding financing options and related services

3.2 Consent to Be Contacted

By providing your contact information, you expressly consent to receive:

• Phone calls (including autodialed and prerecorded calls) from us and our lending partners
• SMS/text messages regarding financing options (message and data rates may apply)
• Emails about financing offers and related services

You may opt out of these communications at any time by following the instructions provided in the messages or by contacting us.

4. No Guarantee of Service

Loan approval, terms, and rates are determined solely by the lending partners based on their own criteria, including but not limited to your credit history, income, and other factors.

5. APR and Loan Disclosures

5.1 Representative Example

For a $5,000 loan with a 36-month term at 15.00% APR:

• Monthly payment: approximately $173.33
• Total of payments: approximately $6,240
• Total interest paid: approximately $1,240

This is a representative example only. Actual rates and terms will vary based on the lender and your qualifications.

5.2 Fees and Charges

Lenders may charge various fees, including:

• Origination fees (typically 0% - 8% of loan amount)
• Late payment fees
• Prepayment penalties (varies by lender)
• Other fees as disclosed by the lender

Always review the full loan agreement from any lender before accepting financing.

6. Credit Inquiries and Impact

Please be aware of the following regarding credit inquiries:

• Soft Inquiry: Initial rate checks through our service may result in a "soft" credit inquiry, which does not affect your credit score
• Hard Inquiry: If you proceed with a loan application directly with a lender, they may perform a "hard" credit inquiry, which could temporarily lower your credit score
• Multiple Inquiries: Applying with multiple lenders may result in multiple hard inquiries

7. Late Payments and Default

8. User Responsibilities

By using our services, you agree to:

• Provide accurate, current, and complete information
• Not misrepresent your identity or financial situation
• Not use our services for any unlawful purpose
• Not attempt to circumvent our security measures
• Review and understand all loan terms before accepting any financing

9. Intellectual Property

All content on our website, including text, graphics, logos, images, and software, is the property of PetCare Finance Hub LLC or our licensors and is protected by copyright, trademark, and other intellectual property laws. You may not reproduce, distribute, or create derivative works without our express written permission.

10. Disclaimer of Warranties

OUR SERVICES ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED. WE DO NOT WARRANT THAT:

• Our services will meet your requirements
• Our services will be uninterrupted, timely, secure, or error-free
• You will be matched with a lender or receive financing
• Any information provided is accurate or complete

11. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, PETCARE FINANCE HUB LLC AND ITS OFFICERS, DIRECTORS, EMPLOYEES, AND AGENTS SHALL NOT BE LIABLE FOR:

• Any indirect, incidental, special, consequential, or punitive damages
• Any loss of profits, revenue, data, or use
• Any damages arising from your use of or inability to use our services
• Any actions or decisions made by third-party lending partners
• Any loan terms, rates, or conditions offered by lenders

12. Indemnification

You agree to indemnify, defend, and hold harmless PetCare Finance Hub LLC and its affiliates from any claims, damages, losses, liabilities, and expenses (including attorneys' fees) arising from your use of our services, your violation of these Terms, or your violation of any rights of another party.

13. Third-Party Links and Services

Our website may contain links to third-party websites, including those of our lending partners. We are not responsible for the content, privacy policies, or practices of these third-party sites. Your interactions with these sites are governed by their respective terms and policies.

14. Governing Law and Dispute Resolution

These Terms shall be governed by the laws of the State of [Your State], without regard to conflict of law principles. Any disputes arising from these Terms or your use of our services shall be resolved through binding arbitration in accordance with the rules of the American Arbitration Association.

15. Changes to Terms

We reserve the right to modify these Terms at any time. We will notify you of material changes by posting the updated Terms on our website with a new "Last Updated" date. Your continued use of our services after such changes constitutes acceptance of the modified Terms.

16. Severability

If any provision of these Terms is found to be unenforceable or invalid, that provision shall be limited or eliminated to the minimum extent necessary, and the remaining provisions shall remain in full force and effect.

17. Entire Agreement

These Terms, together with our Privacy Policy and any other legal notices published on our website, constitute the entire agreement between you and PetCare Finance Hub LLC regarding your use of our services.

18. Contact Information