Poppa Loans Inc. Terms of Use

1. Acceptance of Terms
By accessing or using the Poppa Loans Inc. website, you agree to be bound by these Terms of Use. If you do not agree to these terms, you should not use this website.

2. Services
Poppa Loans Inc. is a Texas Credit Services Organization (CSO) and Credit Access Business (CAB), NMLS #2842249. Poppa Loans Inc. is not a lender and does not make credit decisions. We assist consumers in connecting with independent third-party lending partners.

3. Eligibility
You must be at least 18 years old and legally capable of entering into binding agreements to use this website and request services.

4. No Guarantee of Approval
Submission of a loan request does not guarantee approval, funding, or any specific loan terms. All lending decisions are made solely by participating third-party lenders.

5. User Responsibilities
You agree to provide accurate, complete, and current information. Providing false or misleading information may result in denial of services and other legal consequences.

6. Intellectual Property
All website content, trademarks, logos, text, graphics, and software are owned by or licensed to Poppa Loans Inc. and may not be copied, reproduced, or distributed without prior written permission.

7. Third-Party Services
The website may contain links to third-party websites or services. Poppa Loans Inc. is not responsible for the content, privacy practices, or actions of third parties.

8. Disclaimer of Warranties
The website and services are provided on an ‘as is’ and ‘as available’ basis without warranties of any kind, express or implied, to the fullest extent permitted by law.

9. Limitation of Liability
To the fullest extent permitted by law, Poppa Loans Inc. shall not be liable for any indirect, incidental, consequential, special, or punitive damages arising from the use of the website or services.

10. Indemnification
You agree to defend, indemnify, and hold harmless Poppa Loans Inc., its officers, directors, employees, and agents from claims, damages, liabilities, and expenses arising from your use of the website or violation of these Terms.

11. Arbitration Agreement
Any dispute arising out of or relating to these Terms of Use or your use of the website shall be resolved through binding arbitration to the extent permitted by applicable law. Users may retain any rights that cannot legally be waived.

12. Governing Law
These Terms of Use shall be governed by and construed in accordance with the laws of the State of Texas, without regard to conflict-of-law principles.

13. Modifications
Poppa Loans Inc. may modify these Terms of Use at any time. Updated terms will become effective upon posting to the website.

14. Contact Information
Questions regarding these Terms of Use may be directed to Poppa Loans Inc. using the contact information provided on the website.