CERTAIN DISCLOSURES REGARDING LEAD GENERATION
LoanHorizonX ("we," "us," or "our"), the operator of this website and its services (collectively, the "Service"), is not a lender or creditor, is not a broker, does not make offers for loans, and does not make credit decisions. Use of our Service and submission of a Service request is not submission of a loan application. We are not a representative or agent of any lender nor are we acting as a credit services agent for you. You must apply for credit directly with the lender with whom you choose to apply.
We provide a Service that consumers use to connect with third-party financial service providers, including lenders, lending partners, and other financial companies ("Service Providers"). We do not endorse or recommend the products or services of any Service Provider. The following disclosures describe how we operate and how we process your request.
LoanHorizonX operates as a lead generation and lead distribution platform. We collect information submitted through our website and may share that information with participating lenders, lending partners, aggregators, marketing partners, and service providers.
Submission of a Service request is not a loan application, pre-qualification, or guarantee that you will be connected with a lender or offered credit.
If we connect you with a lender or lending partner, you may be redirected to that provider's website where you can review loan terms, rates, fees, and disclosures before deciding whether to proceed.
We do not know the specific loan terms that may be offered to you and do not attempt to match consumers with the best available loan product for their circumstances.
We do not guarantee that any lender, lending partner, or service provider will contact you or approve your request.
LoanHorizonX may receive compensation from participating lenders, lending partners, advertisers, lead purchasers, and service providers when consumer information is shared through our platform.
The order in which lenders or service providers receive opportunities to review requests may be influenced by business arrangements, lead pricing, or other commercial factors.
You acknowledge and agree that, in providing our Services, we are not acting as your agent or the agent of any lender, lending partner, or Service Provider.
We do not make decisions regarding products or services offered by Service Providers, nor do we recommend or endorse any specific lender, financial institution, or financial product.
Our Service may not be available in every state or jurisdiction. Availability depends on lender participation, applicable laws, and other factors.
Some lenders or lending partners may operate under tribal laws or legal frameworks that differ from the laws of your state of residence.
These lenders may have different dispute resolution procedures, interest rates, fees, or legal requirements than lenders operating under state law.
Interest rates, fees, repayment terms, and eligibility requirements vary among lenders. Some lenders may offer products that carry higher costs than others.
You should carefully review all loan disclosures before accepting any offer.
If you do not qualify for a particular type of credit product, you may receive information regarding other financial products or services offered by participating providers.
You are under no obligation to accept any offer presented to you.
By using our Service, you consent to receive communications from LoanHorizonX, participating lenders, lending partners, marketing partners, and service providers.
Communications may be sent by email, telephone, SMS, direct mail, or other methods permitted by applicable law.
You may opt out of marketing communications by following the unsubscribe instructions provided in those communications or by contacting the sender directly.
By submitting your information through LoanHorizonX, you authorize us and participating Service Providers, where permitted by law, to verify your identity and review information provided by you.
You understand and agree that participating lenders, lending partners, and Service Providers may obtain consumer reports, credit scores, identity verification reports, and other information from consumer reporting agencies in connection with evaluating your eligibility for products or services.
You further acknowledge that you are providing written instructions under the Fair Credit Reporting Act (FCRA) for participating Service Providers to obtain such information as necessary to process and evaluate your request.
You are under no obligation to enter into any agreement with any lender, lending partner, or Service Provider presented through our Service.
If you have questions regarding this FCRA Disclosure, please contact:
Email: support@loanhorizonx.com
