These Terms of Service (the "Terms") form a binding agreement between you ("you," "your") and Advantage First Financial LLC, doing business as "Loan Streamline Pro" ("we," "our," "us"), and govern your access to and use of https://loanstreamlinepro.com (the "Site") and our services (the "Services"). By accessing or using the Site, you agree to be bound by these Terms. If you do not agree, do not access or use the Site.
1. About Us and How We Assess Your Application
Loan Streamline Pro is a brand of Advantage First Financial LLC (NMLS #2674295), a licensed lender. We originate and fund loans directly for residents of Texas and Utah. When you submit information through the Site:
- We use the information you provide, together with information from consumer reporting agencies and identity-verification services, to evaluate your application under our own underwriting criteria.
- Eligibility, rates, fees, and terms vary depending on your creditworthiness, your state of residence, the loan you applied for, and applicable law. We make loans only to residents of states where we are licensed.
- Pre-qualification on the Site typically uses a "soft" credit inquiry that does not affect your credit score. If you choose to proceed with a formal application, a "hard" credit inquiry may be made, which can affect your credit score.
- There is no guarantee that you will be approved, or that any approval will match the rates, fees, or terms displayed on the Site.
- Submitting information through the Site does not create a loan agreement. Any loan is governed by the loan agreement you sign.
2. Eligibility
You may use the Site only if you are (a) at least 18 years old, (b) a U.S. resident, and (c) legally able to enter into binding contracts. We make loans only to residents of states where we are licensed (currently Texas and Utah), and additional eligibility criteria apply.
3. Information You Provide
You agree that any information you submit through the Site is true, accurate, current, and complete. You authorize us to use and share that information with our service providers as described in these Terms and our Privacy Policy.
4. Identity Verification
To help the government fight identity theft, the funding of terrorism, and money laundering activities, Advantage First Financial LLC and our service providers may verify and record information that identifies you. This may include collecting your name, address, date of birth, Social Security number, and other identifying details, and verifying them against third-party databases.
5. Communications Consent
By providing your email address, you authorize us to send you transactional emails about your inquiry and the Services, and (unless you opt out) marketing emails.
If you check the SMS consent box on our form, you authorize us to send you informational text messages about your loan inquiry, application status, appointment reminders, account updates, document reminders, and customer support at the mobile number provided. Message frequency varies. Message and data rates may apply. Reply HELP for help or STOP to cancel. Consent is not a condition of purchase, service, or loan approval. See our SMS Terms.
If you check the phone-call consent box on our form, you authorize us to call you at the number provided, including via automatic telephone dialing systems and artificial or prerecorded voice. Consent is not a condition of any purchase or service.
You may revoke these consents at any time by following the opt-out instructions in any message or by contacting us.
6. AI-Assisted Content
Some communications may be generated using automated technology or AI-assisted systems. A human specialist is responsible for any binding loan offer or advice.
7. No Financial, Legal, or Tax Advice
Content on the Site is for informational purposes only and does not constitute financial, investment, legal, tax, accounting, or other professional advice. You should consult a qualified professional regarding your specific situation before making any financial decision.
8. Loan Costs
The rates, fees, and terms of any loan we offer are disclosed to you in your loan documents before you sign. Some loans include an origination fee that is deducted from the loan proceeds. All rates, fees, and terms are subject to your creditworthiness, your state of residence, and applicable law, and are presented without guarantee until set out in a signed loan agreement.
9. Intellectual Property
All Site content - including text, graphics, logos, button icons, images, audio clips, data, and software - is the property of Advantage First Financial LLC or its licensors and is protected by U.S. and international copyright, trademark, and other intellectual-property laws. You may not copy, reproduce, modify, distribute, transmit, display, or create derivative works of any Site content without our prior written permission.
10. Prohibited Conduct
You agree not to: (a) submit false, misleading, or fraudulent information; (b) use the Site for any unlawful purpose; (c) interfere with the security or integrity of the Site; (d) use any automated means to access or scrape the Site; (e) attempt to gain unauthorized access to any portion of the Site or to any other accounts, systems, or networks; or (f) impersonate any person or entity.
11. Third-Party Sites
The Site may link to third-party sites operated by our service providers or other third parties. We are not responsible for the content, terms, privacy practices, or products of any third party. Your use of any third-party site is subject to that party's own terms and conditions, which you should review carefully.
12. Disclaimers
THE SITE AND SERVICES ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING WITHOUT LIMITATION ANY IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE SITE WILL BE UNINTERRUPTED, SECURE, OR ERROR-FREE, OR THAT ANY OFFER WILL BE AVAILABLE TO YOU.
13. Limitation of Liability
TO THE MAXIMUM EXTENT PERMITTED BY LAW, IN NO EVENT WILL LOAN STREAMLINE PRO, ITS AFFILIATES, OR ANY OF ITS OFFICERS, DIRECTORS, EMPLOYEES, OR AGENTS BE LIABLE TO YOU FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, PUNITIVE, OR EXEMPLARY DAMAGES, OR ANY LOSS OF PROFITS, REVENUES, DATA, OR BUSINESS OPPORTUNITIES, ARISING OUT OF OR RELATED TO YOUR USE OF THE SITE OR SERVICES, WHETHER BASED ON CONTRACT, TORT, STRICT LIABILITY, OR ANY OTHER LEGAL THEORY. OUR AGGREGATE LIABILITY TO YOU FOR ANY CLAIM ARISING OUT OF OR RELATED TO THE SITE OR SERVICES WILL NOT EXCEED ONE HUNDRED U.S. DOLLARS ($100).
14. Indemnification
You agree to indemnify, defend, and hold harmless Advantage First Financial LLC, its affiliates, and their respective officers, directors, employees, and agents from any claims, damages, losses, liabilities, costs, and expenses (including reasonable attorneys' fees) arising out of or related to (a) your use of the Site, (b) your violation of these Terms, (c) your violation of any law or third-party right, or (d) the inaccuracy of any information you submit.
15. Termination
We may suspend or terminate your access to the Site at any time, with or without notice, for any reason. Sections that by their nature should survive termination will survive (including Sections 9, 12-14, 16, 17, and 18).
16. Governing Law
These Terms are governed by the laws of the State of Wyoming, without regard to its conflict-of-laws principles. Subject to Section 17, the exclusive venue for any dispute will be the state and federal courts located in Wyoming.
17. Dispute Resolution & Class Action Waiver
You and Loan Streamline Pro agree to attempt in good faith to resolve any dispute informally for at least 30 days before initiating any formal proceeding. Where permitted by law, any dispute that cannot be resolved informally will be resolved by binding individual arbitration administered by a recognized arbitration provider, and not in any class, collective, or representative action. You and Loan Streamline Pro each waive any right to a jury trial. This Section does not apply to disputes that may be brought in a small-claims court.
18. General
- Entire agreement. These Terms and the documents they incorporate by reference (including our Privacy Policy and SMS Terms) are the entire agreement between you and Loan Streamline Pro.
- Severability. If any provision is held invalid or unenforceable, the remaining provisions will continue in full force.
- No waiver. Our failure to enforce any provision is not a waiver of that or any other provision.
- Assignment. You may not assign these Terms without our prior written consent. We may assign these Terms at any time without notice.
- Changes. We may modify these Terms at any time by posting an updated version on the Site. Your continued use of the Site after changes are posted constitutes acceptance.
19. Contact
Advantage First Financial LLC
1712 Pioneer Ave Suite 500, Cheyenne, WY 82001
support@loanstreamlinepro.com