Terms of Service.

By accessing or using the Lion Loans website (lionloansapp.com), submitting a loan application, or otherwise interacting with our services, you agree to be bound by these Terms of Service ("Terms") and our Privacy Policy. If you do not agree, do not use our services.

These Terms constitute a legally binding agreement between you ("Borrower", "You") and Lion Loans Inc. ("Lion Loans", "We", "Us"). You represent that you have read, understood, and agree to be bound by these Terms in full.

If you are accessing our services on behalf of another person, you represent that you have authority to bind that person to these Terms. Unauthorized use of our services is strictly prohibited.

To use Lion Loans services, you must:

• Be at least 18 years of age (or the age of majority in your state, whichever is higher);
• Be a U.S. citizen or permanent resident with a valid Social Security Number;
• Have a verifiable income source generating at least $1,000 per month;
• Maintain an active U.S. checking account in your own name;
• Reside in a state where Lion Loans is authorized to offer services.

You are responsible for maintaining the confidentiality of your account credentials and for all activities under your account. Notify us immediately of any unauthorized access. We reserve the right to suspend or terminate accounts that violate these Terms or applicable law.

By submitting a loan application, you certify that all information provided is true, accurate, complete, and current. Providing false or misleading information is a violation of these Terms and may constitute fraud under federal and state law.

Authorization to Verify

You authorize Lion Loans and our lender network to verify the information you provide through credit bureaus, banks, employers, and other third-party data sources. You also authorize a soft credit inquiry that does not affect your credit score.

No Guarantee of Approval

Submission of an application does not guarantee approval. Approval, loan amount, and terms are determined by our lender network based on individual underwriting criteria, state regulations, and your specific financial circumstances.

If approved, you will be presented with a separate Loan Agreement detailing the specific terms of your loan including principal amount, fees, APR, repayment schedule, and total cost. The Loan Agreement is a separate binding contract between you and the lender.

You must review and electronically sign the Loan Agreement before funds are disbursed. By signing, you acknowledge that you have read, understood, and agree to the specific terms of your loan.

The Loan Agreement governs the lending relationship itself. These Terms of Service govern your use of the Lion Loans platform and the application process.

All applicable fees, including the finance charge, APR, and any non-sufficient funds (NSF) fees, are disclosed in your Loan Agreement before signing. Lion Loans does not charge application fees, monthly maintenance fees, or prepayment penalties.

By accepting a loan, you authorize automatic ACH withdrawal from your designated checking account on the scheduled repayment dates. If a payment is returned unpaid, you may be assessed an NSF fee as permitted by your state and as detailed in your Loan Agreement.

A loan is considered in default if a scheduled payment is more than 60 days past due without communication. Upon default, Lion Loans or our lender partners may:

• Assess additional late fees as permitted by your state and Loan Agreement;
• Refer the account to a third-party collection agency;
• Report negative payment history to credit bureaus (if you previously opted into reporting);
• Pursue legal action including small-claims court proceedings.

We will always attempt to communicate with you before escalating. If you are experiencing hardship, contact us — our hardship programs include payment deferrals, restructured schedules, and reduced-payment plans.

By using our services, you consent to receive communications from Lion Loans and our lender partners via email, phone, text message (SMS), and postal mail. These communications may be for account servicing, payment reminders, marketing, or legal notices.

You may opt out of marketing communications at any time using the unsubscribe link in any marketing email or by contacting support. You cannot opt out of essential account servicing communications while a loan is active.

For SMS, message frequency varies; standard message and data rates may apply. Reply STOP to opt out of marketing texts; reply HELP for assistance.

All content on the Lion Loans website — including text, graphics, logos, images, software, and underlying technology — is owned by Lion Loans Inc. or our licensors and is protected by U.S. and international copyright, trademark, and other intellectual property laws.

You may not copy, reproduce, distribute, modify, transmit, or create derivative works from any content without prior written consent. You are granted a limited, non-exclusive, non-transferable license to access and use our services solely for personal, non-commercial purposes.

Our services are provided "as is" and "as available" without warranties of any kind, express or implied, including but not limited to merchantability, fitness for a particular purpose, and non-infringement.

We do not guarantee that the website will be uninterrupted, error-free, or free of viruses. You use our services at your own risk. We do not provide financial, legal, or tax advice; information provided on the website is for general informational purposes only.

To the maximum extent permitted by law, Lion Loans and its affiliates, officers, employees, and agents shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising out of or related to your use of our services.

Our total liability for any direct damages shall not exceed the greater of the amount of fees you paid us in the 12 months preceding the claim or $100. Some states do not allow exclusion of certain damages, so these limitations may not apply to you.

PLEASE READ CAREFULLY. Any dispute, claim, or controversy arising out of or relating to these Terms or our services shall be resolved through binding individual arbitration, not in court, in accordance with the Federal Arbitration Act.

You waive the right to a jury trial and to participate in class actions or class arbitrations. You may opt out of this arbitration provision within 60 days of accepting these Terms by sending written notice to [email protected].

You may terminate your Lion Loans account at any time by contacting support, provided you have no active loans. We may suspend or terminate your access immediately, without prior notice, for violations of these Terms, suspected fraud, or as required by law.

Termination does not affect your obligations under any active Loan Agreement. Outstanding balances remain due and payable according to the original loan terms.

We may update these Terms at any time. Material changes will be communicated via email and prominently displayed on the website at least 30 days before taking effect. Your continued use of our services after modifications constitutes acceptance of the revised Terms.

These Terms are governed by the laws of the State of Delaware, U.S.A., without regard to conflict-of-law principles. Where applicable state law of the borrower's residence requires application of that state's law to the loan itself, the Loan Agreement will reflect those requirements.

Contact

For questions about these Terms, contact us at: [email protected]

Lion Loans Inc.
1209 Orange Street, Wilmington, DE 19801