1. Acceptance of These Terms
These Terms of Use ("Terms") constitute a legally binding agreement between you ("you," "your," or "User") and QuickLoan Savings ("QuickLoan Savings," "we," "us," or "our"). They govern your access to and use of our website, web forms, quiz, content, and related services (collectively, the "Service").
By accessing the Service, submitting any information, or clicking any button indicating agreement, you acknowledge that you have read, understood, and agree to be bound by these Terms and our Privacy Policy, which is incorporated by reference. If you do not agree, you must not access or use the Service.
2. Company Information
Service: QuickLoan Savings
Email: support@quickloansavings.com
Phone: 412 492 4508
Mailing Address: Urb. Parques del Rio, Ecuador
3. Nature of Our Service — We Are a Marketing and Lead-Generation Service Only
QuickLoan Savings operates an online advertising, marketing, and lead-generation service for consumers who request information about home equity lines of credit ("HELOC"), home-equity products, and related financial options. We collect the information you submit through our quiz and forms and may transmit, sell, license, or otherwise route that information to one or more independent third parties, which may include licensed mortgage professionals, brokers, lenders, lead aggregators, marketing partners, call centers, credit-service providers, personal-loan providers, and other partner pathways (collectively, "Partners") that may contact you regarding your inquiry or related offers.
QuickLoan Savings is NOT:
- a lender, bank, credit union, or depository institution;
- a mortgage broker, mortgage banker, or loan originator;
- a credit repair organization or credit services organization;
- a financial, legal, tax, or investment advisor; or
- a credit-decision maker or underwriter.
We do not originate, underwrite, fund, or service loans; issue commitments or approvals; set or guarantee rates, terms, or fees; perform credit repair; or guarantee approval, funding, savings, eligibility, or any particular result.
4. No Loan Offer, Application, or Guarantee
All content on the Service is provided for general informational and marketing purposes only and does not constitute financial, legal, tax, or credit advice. Submitting information through the Service:
- does not constitute an application for credit, a loan, or any financial product with QuickLoan Savings;
- does not create a lender-borrower, fiduciary, agency, or advisory relationship;
- does not guarantee that any Partner will contact you, review your inquiry, or extend any offer; and
- does not guarantee any rate, term, approval, funding, savings, credit improvement, or other outcome.
Any loan, HELOC, credit product, rate, fee, term, approval, or decision is determined solely by the independent Partner, subject to that Partner's own application process, underwriting, disclosures, and criteria, and applicable law. We are not responsible for any Partner's products, services, decisions, disclosures, representations, acts, or omissions.
5. How Your Inquiry Is Routed
Based on the information you provide (which may include your stated home value, mortgage balance, property type, occupancy, intended use of funds, self-reported credit range, and similar inputs), our Service may automatically categorize your inquiry and route it to the type of Partner most likely to correspond to your situation. Depending on your responses, this may include Partners offering home equity products, personal-loan products, credit-building or credit-related products, or other offers. You acknowledge that this routing is automated, is based solely on the information you submit, does not constitute advice or a determination of your actual eligibility, and may result in your information being shared with one or more Partners.
6. User Eligibility and Responsibilities
By using the Service, you represent, warrant, and agree that:
- you are at least 18 years of age and have the legal capacity to enter into these Terms;
- you are a resident of the United States;
- all information you submit is true, accurate, current, and complete, and you will keep it accurate;
- you are the owner of, or are authorized to provide, the contact information you submit, and you are not submitting another person's information without their authorization;
- the telephone number you provide is your own and you have authority to provide consent to be contacted at that number; and
- you will not misuse the Service, interfere with its operation, attempt unauthorized access, introduce malicious code, scrape or harvest data, transmit spam, or submit false, fraudulent, or bot-generated information.
7. Consent to Be Contacted (TCPA)
By submitting your information through the Service and taking the affirmative action identified at the point of submission (such as clicking a button accompanied by consent disclosure language), you provide your prior express written consent, under the Telephone Consumer Protection Act ("TCPA") and applicable state law, to be contacted by QuickLoan Savings, its marketing partners, and one or more independent licensed mortgage professionals, lenders, or service providers, at the telephone number and contact details you provide, regarding your HELOC, home-equity, mortgage, credit, loan, or related inquiry and offers.
You agree such contact may be made using automatic telephone dialing systems, automated or autodialed calls and texts, artificial-voice and prerecorded-voice messages, and SMS/MMS text messages, even if your number is listed on any federal, state, corporate, or internal do-not-call or do-not-contact registry.
Consent is not a condition of purchasing any goods or services. Message and data rates may apply. Message frequency may vary. You may revoke consent for text messages at any time by replying STOP to any text message, and may request to opt out of calls by informing the caller or by contacting support@quickloansavings.com or 412 492 4508. Revocation of consent will not apply to communications already in progress and may not extend to independent Partners with whom you separately interact.
An independent third-party certification service (such as TrustedForm) may be used to create and store a verifiable record of your consent, including session and form-interaction data, for compliance purposes.
8. Data Collection, Tracking, and Session Replay
You acknowledge and agree that, as further described in our Privacy Policy, we and our service providers use cookies, tags, pixels, software development kits, and similar technologies to collect information about your device and your interactions with the Service for analytics, advertising, attribution, optimization, security, and fraud-prevention purposes. These technologies may include, without limitation:
- Google Tag Manager, used to deploy and manage tags on the Service;
- Microsoft Clarity, a session-replay and analytics tool that may record and reproduce your interactions with the Service, including mouse movements, scrolling, clicks, taps, and pages viewed, in order to produce heatmaps and session recordings;
- the Meta Pixel and Meta Conversions API, which may collect and transmit event and interaction data to Meta Platforms, Inc. (including via server-side transmission) for advertising measurement, attribution, and optimization, and which may use hashed identifiers such as your email address or phone number for matching; and
- consent-certification technology (such as TrustedForm) used to document your form interactions and consent.
By using the Service, you consent to the collection, recording, reproduction, and processing of this data by us and these third parties for the purposes described, and you acknowledge that information entered into form fields may be captured. You should not enter sensitive information (such as Social Security numbers or financial account numbers) into any free-text field, as the Service does not request it.
9. Third-Party Providers, Partners, and Links
The Service may refer, route, sell, transmit, or link your information or you to third-party Partners, websites, vendors, or services. We do not control, endorse, or assume responsibility for any third party's products, services, websites, content, privacy or security practices, disclosures, rates, fees, terms, decisions, representations, or conduct. Once your information is transmitted to a Partner, that Partner's use of your information is governed by that Partner's own terms and privacy policy, not ours. Your interactions and any transactions with third parties are solely between you and those third parties, and you agree that we are not a party to and bear no liability for them.
10. Intellectual Property
The Service and all content, design, text, copy, graphics, logos, trademarks, code, forms, quizzes, and related materials are owned by or licensed to QuickLoan Savings and are protected by applicable intellectual-property and other laws. You are granted a limited, revocable, non-exclusive, non-transferable license to access and use the Service for your own personal, non-commercial inquiry. You may not copy, reproduce, distribute, modify, create derivative works from, frame, mirror, scrape, publicly display, or commercially exploit the Service or its content without our prior written permission.
11. Disclaimers of Warranties
The Service is provided on an "as is" and "as available" basis, with all faults and without warranties of any kind, whether express, implied, statutory, or otherwise. To the fullest extent permitted by law, QuickLoan Savings and its owners, officers, employees, contractors, vendors, and Partners disclaim all warranties, including any implied warranties of merchantability, fitness for a particular purpose, title, non-infringement, accuracy, completeness, availability, security, and uninterrupted or error-free operation. We do not warrant that the Service will meet your requirements, that any Partner will contact you, or that any product, rate, or result will be available.
12. Limitation of Liability
To the fullest extent permitted by applicable law, in no event will QuickLoan Savings or its owners, officers, directors, employees, contractors, agents, vendors, or Partners be liable for any indirect, incidental, consequential, special, punitive, or exemplary damages, or for any loss of profits, revenue, data, goodwill, opportunities, or business interruption, arising out of or relating to your use of or inability to use the Service, your submission of information, the routing or sale of your information, any communication you receive, or the acts or omissions of any Partner, whether based on warranty, contract, tort (including negligence), statute, or any other legal theory, and whether or not we have been advised of the possibility of such damages.
To the fullest extent permitted by law, the total aggregate liability of QuickLoan Savings arising out of or relating to the Service and these Terms will not exceed one hundred U.S. dollars (US $100.00). Some jurisdictions do not allow certain limitations, so some of the above may not apply to you.
13. Indemnification
You agree to defend, indemnify, and hold harmless QuickLoan Savings and its owners, officers, directors, employees, contractors, agents, vendors, and Partners from and against any and all claims, demands, losses, liabilities, damages, judgments, costs, and expenses (including reasonable attorneys' fees) arising out of or relating to: (a) your use or misuse of the Service; (b) your violation of these Terms or any law; (c) your violation of any third-party right; (d) any information you submit, including information you submit on behalf of another person; or (e) any consent you provide or represent that you have authority to provide.
14. Dispute Resolution; Arbitration; Class-Action Waiver
Please read this section carefully. It affects your legal rights, including your right to file a lawsuit in court and to have disputes decided by a jury or as part of a class.
To the fullest extent permitted by applicable law, you and QuickLoan Savings agree that any dispute, claim, or controversy arising out of or relating to the Service or these Terms will be resolved through final and binding individual arbitration, rather than in court, except that either party may bring an individual claim in small-claims court where eligible. You and QuickLoan Savings each waive any right to a jury trial and any right to participate in a class action, class arbitration, or other representative proceeding. Any arbitration will be conducted on an individual basis. If any portion of this section is found unenforceable, the remainder will continue to apply, except that the class-action waiver is non-severable. Where binding arbitration is not permitted by applicable law, this section will be applied to the maximum extent the law allows.
15. Changes to the Service and These Terms
We may modify, suspend, or discontinue all or any part of the Service at any time, with or without notice. We may revise these Terms from time to time. Revisions will be posted on this page with an updated "Last Updated" date and become effective when posted. Your continued use of the Service after revisions are posted constitutes your acceptance of the revised Terms. It is your responsibility to review these Terms periodically.
16. Governing Law; Severability; Entire Agreement
These Terms and any dispute arising out of or relating to them or the Service will be governed by applicable law, without regard to conflict-of-law principles, except where consumer-protection or other mandatory laws require otherwise. If any provision of these Terms is held invalid or unenforceable, that provision will be limited or severed to the minimum extent necessary, and the remaining provisions will remain in full force and effect. These Terms, together with the Privacy Policy and any consent disclosures presented at submission, constitute the entire agreement between you and QuickLoan Savings regarding the Service and supersede all prior agreements and understandings. Our failure to enforce any provision is not a waiver of it.
17. Contact
Questions about these Terms may be sent to support@quickloansavings.com or by calling 412 492 4508.