Legal
Terms of use
Plain terms for a publication. Read the first three sections even if you skip the rest — they are the ones that matter.
OneAcceptance
By using loaninformationcenter.com you agree to these terms. If you do not agree, please do not use the site. The site is published by Sentinel Holdings I LLC, 1613 Evans Ave #530, Cheyenne, WY 82001 (“we”, “us”).
TwoWe are not a lender
We do not make loans, broker loans, arrange credit, service loans, purchase debt, settle debt, repair credit, take applications, or accept deposits. We are not a bank, credit union, mortgage lender, mortgage broker, finance company or credit services organisation. Nothing on this site is an offer of credit, a solicitation to lend, a pre-qualification, or a commitment to lend on any terms. No content creates any lender-borrower or fiduciary relationship between you and us.
ThreeNot advice
All content is general educational information. It is not financial, investment, legal, tax or accounting advice, and it is not tailored to your circumstances, which we do not know. Consult a licensed professional, or a non-profit credit counselling agency, before acting on anything you read here. Practice and law differ by state and change over time; content may be out of date at the moment you read it.
FourCalculators, examples and figures
Any calculator, table, worked example or figure on this site is an illustration used to explain a mechanism. It is not a quotation, an offer, a pre-approval or a prediction of terms available to you. Results depend entirely on the assumptions entered and on simplifications — level payments, no missed payments, no rate changes — that real agreements often do not share. Your lender's disclosures and your signed agreement govern; where they conflict with anything here, they win.
FiveMember accounts
The member desk is a free convenience for saving and annotating reading. You are responsible for the accuracy of the information you register, for keeping your password confidential, and for activity under your account. Do not store sensitive personal or financial information in it — account numbers, Social Security numbers, or anything you would not want in a notebook. We may suspend or remove an account that is used abusively, and we may discontinue the feature.
SixAcceptable use
Do not use the site unlawfully; attempt to gain unauthorised access to it; scrape or harvest it by automated means beyond ordinary search indexing; interfere with its operation; misrepresent yourself; or submit false, abusive or unlawful material through any form on it.
SevenIntellectual property
The text, design and code of this site are owned by us or our licensors and are protected by copyright. You may read, print and share pages for personal, non-commercial use with attribution. You may not republish substantial portions, or use the content to train a commercial model, without written permission. To ask for permission, use the contact page — we generally say yes.
EightThird-party links
Where we link elsewhere, we do so for reference. We do not control those sites, we are not responsible for their content, accuracy or privacy practices, and a link is not an endorsement of any product or lender.
NineDisclaimer of warranties
The site is provided “as is” and “as available”, without warranties of any kind, express or implied, including merchantability, fitness for a particular purpose, non-infringement, and accuracy or completeness of content. We do not warrant that the site will be uninterrupted or error-free.
TenLimitation of liability
To the fullest extent permitted by law, we are not liable for any indirect, incidental, special, consequential or punitive damages, or for any loss of profits, data or goodwill, arising out of your use of or inability to use the site or your reliance on its content. Some jurisdictions do not allow certain limitations, so parts of this section may not apply to you.
ElevenGoverning law
These terms are governed by the laws of the State of Wyoming, without regard to its conflict of laws rules. If a provision is held unenforceable, the rest remains in force.
TwelveChanges
We may revise these terms. The current version is always the one posted here, with its date. Continued use after a change constitutes acceptance.
See also our privacy policy.