Terms of Use

1. Acceptance of Terms

By accessing or using the SimpleDirect website and services (the "Site"), you agree to be bound by these Terms of Use. If you do not agree to these terms, please do not use our Site. These Terms of Use apply to all visitors, users, contractors, and customers who access or use the Site.

2. About SimpleDirect

SimpleDirect operates a technology platform that connects home improvement contractors with financing solutions for their customers. Our services include:

• A lending marketplace connecting customers with personal loan offers from multiple lending partners
• Access to 0% APR home improvement credit cards through partner networks
• Contractor tools for sharing financing options with customers
• Pre-qualification services that use soft credit inquiries (which do not affect credit scores)

3. Eligibility

To use our Site, you must:

• Be at least 18 years of age
• Be a legal resident of the United States
• Have valid identification and contact information
• Not have been previously suspended or removed from our services

4. Account Registration

Certain features of our Site require account registration. When registering, you agree to:

• Provide truthful, accurate, and complete information
• Maintain and promptly update your account information
• Keep your login credentials secure and confidential
• Not share your account with others or allow unauthorized access
• Notify us immediately of any unauthorized use at support@getsimpledirect.com

You are responsible for all activities that occur under your account. We reserve the right to suspend or terminate accounts that violate these terms.

5. Financing Services

5.1 Personal Loan Pre-Qualification

When you submit a loan pre-qualification request, you authorize SimpleDirect to share your information with our lending partners to obtain loan offers on your behalf. Pre-qualification uses a soft credit inquiry that does not affect your credit score. Final loan approval is subject to the lender's underwriting criteria and may require a hard credit inquiry.

5.2 Credit Card Offers

Credit card offers displayed on our Site are provided by third-party partners. When you click on a credit card offer, you will be redirected to the card issuer's website. Credit card approval and terms are determined solely by the card issuer.

5.3 Rate and Term Information

Interest rates, APRs, and loan terms displayed on our Site are for informational purposes only. Actual rates and terms depend on your creditworthiness, loan amount, and the lender's criteria. Rates are subject to change without notice.

6. Prohibited Conduct

When using our Site, you agree NOT to:

• Provide false, inaccurate, or misleading information
• Use the Site for any unlawful purpose or in violation of any laws
• Impersonate any person or entity or misrepresent your affiliation
• Attempt to gain unauthorized access to any part of the Site
• Interfere with or disrupt the Site or servers
• Use automated systems (bots, scrapers) to access the Site without permission
• Transmit viruses, malware, or other harmful code
• Collect personal information about other users
• Use the Site for competitive purposes or to build a similar service
• Circumvent any security features or access restrictions

7. Intellectual Property

All content on this Site, including text, graphics, logos, images, software, and other materials, is owned by SimpleDirect or our licensors and is protected by United States and international intellectual property laws.

You may NOT:

• Copy, reproduce, or distribute any content without written permission
• Modify or create derivative works from our content
• Use our trademarks or logos without authorization
• Remove any copyright or proprietary notices

8. Third-Party Content and Links

Our Site may contain links to third-party websites, including lending partner sites and credit card issuer sites. We do not control and are not responsible for the content, privacy practices, or terms of these third-party sites. We encourage you to review the terms and privacy policies of any third-party sites you visit.

9. Disclaimer of Warranties

THE SITE AND ALL CONTENT, MATERIALS, INFORMATION, AND SERVICES PROVIDED ON THE SITE ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTY OF ANY KIND. SIMPLEDIRECT DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.

We do not warrant that:

• The Site will be uninterrupted, secure, or error-free
• The results obtained from the Site will be accurate or reliable
• Any loan offers will be approved or meet specific terms
• Any defects will be corrected

10. Limitation of Liability

TO THE FULLEST EXTENT PERMITTED BY LAW, SIMPLEDIRECT AND ITS OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, AND AFFILIATES SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING FROM YOUR USE OF THE SITE, INCLUDING BUT NOT LIMITED TO:

• Loss of profits, data, or goodwill
• Service interruption or computer damage
• Actions of third-party lenders or partners
• Any unauthorized access to your account

11. Indemnification

You agree to indemnify, defend, and hold harmless SimpleDirect and its officers, directors, employees, and agents from any claims, losses, damages, liabilities, costs, and expenses (including attorneys' fees) arising from your use of the Site, violation of these Terms, or violation of any third-party rights.

12. Changes to Terms

We may update these Terms of Use at any time by posting the revised terms on our Site. The "Last Updated" date at the top of this page indicates when these Terms were last revised. Your continued use of the Site after changes are posted constitutes your acceptance of the updated Terms.

13. Termination

We may suspend or terminate your access to the Site at any time, with or without cause, and without notice. Upon termination, your right to use the Site ceases immediately. All provisions that should survive termination will survive, including intellectual property, disclaimers, indemnification, and limitations of liability.

14. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the State of California, without regard to its conflict of law provisions. Any disputes shall be resolved in the state or federal courts located in California.

15. Severability

If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions shall continue in full force and effect.

16. Contact Information

If you have questions about these Terms of Use, please contact us: