Terms & Conditions

Important Notice: Please read these Terms and Conditions ("Terms") carefully before using the Cash Loans Bear website or submitting an online loan referral request. By accessing or using our services, you acknowledge that you have read, understood, and agree to be bound by these Terms and our Privacy Policy. If you do not agree to these Terms, you must not use this website.

1. Nature of Referral Service (Not a Lender)

Cash Loans Bear is not a lender, loan broker, credit representative, or financial institution. We operate exclusively as an online marketing and loan request referral portal designed to connect prospective borrowers with independent, third-party participating lenders and financial partners in our network.

Cash Loans Bear does not make credit decisions, issue loan approvals, broker loan contracts, or originate consumer loans. Submitting a request through this website does not constitute a formal loan application with any specific lender, nor does it obligate any lender to extend an offer of credit.

2. Eligibility Criteria & User Representations

By accessing this website and submitting a loan request, you represent, warrant, and certify that:

• You are at least 18 years of age (or the legal age of majority in your state of residence).
• You are a legal resident of the United States residing in a state where our referral services are eligible.
• All information, financial data, employment details, and contact credentials provided by you are accurate, current, complete, and truthful.
• You have a valid, active checking account in your name capable of electronic funds transfers.
• You are not currently involved in active bankruptcy proceedings.

3. Information Transmission & Credit Check Authorization

When you complete and submit an online request form on Cash Loans Bear, you explicitly authorize us to transmit your submitted information to our network of participating lenders and financial partners.

You understand that participating lenders may independently verify the information you provided and may perform a credit inquiry (such as soft or hard credit checks through major credit reporting bureaus including Experian, Equifax, and TransUnion, or alternative consumer reporting agencies) to assess your creditworthiness and loan eligibility.

4. No Guarantee of Approval, Rates, or Terms

Cash Loans Bear does not guarantee that:

• You will be successfully matched with a participating lender.
• A lender will approve your loan request or extend an offer of credit.
• You will receive loan terms, interest rates (APR), or loan amounts up to $5,000 as requested.

Loan availability, interest rates (ranging from 5.99% to 35.99% APR), repayment periods (6 to 60 months), and fees are determined solely by individual lenders based on state laws, credit evaluation, income verification, and their respective underwriting guidelines.

5. Electronic Communications & E-SIGN Consent

By using this website and submitting your information, you provide affirmative consent under the Electronic Signatures in Global and National Commerce Act (E-SIGN Act) to receive all disclosures, notices, documents, and communications electronically via email, website display, or mobile notifications.

You confirm that you possess the hardware and software capabilities necessary to access, view, download, and retain electronic records provided to you.

6. Communications & TCPA Consent

By providing your telephone number and email address on our website, you provide your express written consent pursuant to the Telephone Consumer Protection Act (TCPA) authorizing Cash Loans Bear, its affiliates, and participating network lenders to contact you via live operator calls, pre-recorded messages, automated dialing systems (autodialers), SMS text messages, and email messages regarding your loan request.

Consent is not a mandatory condition of purchasing any product or submitting a request. You may revoke SMS consent at any time by replying STOP to any received text message, or by emailing our support desk at [email protected].

7. Independent Third-Party Lender Agreements

If you are matched with a lender and choose to accept a loan offer, you will be redirected to that lender's secure website to complete formal documentation. Any loan agreement, promissory note, repayment schedule, fee structure, or contractual obligation is strictly between you and that independent lender.

Cash Loans Bear is not a party to any loan contract, does not service loans, and has no control over or liability regarding lender terms, funding speed, interest rate calculations, fees, collections, or customer service.

8. Intellectual Property & Permitted Use

All content on this website—including but not limited to text, typography, graphics, brand marks, logos, icons, interface layouts, software code, and calculators—is the exclusive proprietary property of Cash Loans Bear and protected by United States and international copyright, trademark, and intellectual property laws.

You are granted a limited, revocable, non-exclusive, non-transferable license to access and view this website solely for personal, non-commercial use in submitting loan inquiries.

9. Prohibited Conduct

When using this website, you agree not to:

• Provide false, misleading, fictitious, or stolen personal or financial information.
• Use any automated scraping tool, spider, robot, or data extraction method to access or monitor website content.
• Introduce viruses, malware, trojans, worms, or any other technologically harmful materials to our servers.
• Attempt to gain unauthorized access to our systems, servers, databases, or third-party partner integrations.
• Use this website in violation of any applicable federal, state, local, or international law or regulation.

10. Disclaimer of Warranties

THIS WEBSITE AND ALL REFERRAL SERVICES ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT.

CASH LOANS BEAR DOES NOT WARRANT THAT THE WEBSITE WILL BE UNINTERRUPTED, SECURE, ERROR-FREE, OR FREE OF DEFECTS OR HARMFUL COMPONENTS.

11. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL CASH LOANS BEAR, ITS OFFICERS, DIRECTORS, EMPLOYEES, AFFILIATES, OR AGENTS BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, PUNITIVE, EXEMPLARY, OR CONSEQUENTIAL DAMAGES ARISING OUT OF OR IN CONNECTION WITH YOUR ACCESS TO, USE OF, OR INABILITY TO USE THIS WEBSITE OR ANY LOAN CONTRACT ENTERED INTO WITH A PARTICIPATING LENDER.

12. Indemnification

You agree to defend, indemnify, and hold harmless Cash Loans Bear, its parent entities, subsidiaries, officers, agents, partners, and employees from and against any claims, liabilities, damages, judgments, losses, costs, and expenses (including reasonable attorneys' fees) arising out of your violation of these Terms, your misuse of our website, or your infringement of any third-party rights.

13. Dispute Resolution & Mandatory Binding Arbitration

Any dispute, controversy, or claim arising out of or relating to these Terms, our Privacy Policy, or your use of this website shall be resolved through final and binding individual arbitration administered under the Commercial Arbitration Rules of the American Arbitration Association (AAA), rather than in court.

Class Action Waiver: YOU AGREE THAT ALL DISPUTES MUST BE RESOLVED ON AN INDIVIDUAL BASIS AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS, COLLECTIVE, OR REPRESENTATIVE PROCEEDING.

14. Governing Law & Severability

These Terms shall be governed by and construed in accordance with the laws of the United States and the applicable state laws, without giving effect to any principles of conflicts of law. If any provision of these Terms is found to be unlawful, void, or unenforceable, that provision shall be deemed severable and shall not affect the validity and enforceability of the remaining provisions.

15. Modifications to Terms

Cash Loans Bear reserves the right to modify, amend, or replace these Terms at any time without prior notice. The date of the most recent revision will be displayed at the top of this document. Your continued use of the website following the posting of changes constitutes acceptance of those revisions.

16. Contact Information

For questions or inquiries concerning these Terms & Conditions, please contact us: