Terms of Use

These Terms of Use govern 12mloan.com. The plain-English core: this is a free connection service, not a lender; loan agreements are between you and lenders; information here is educational estimates, not financial advice; and using the site means accepting these terms.

1. The Service

12M Loan operates a loan connection service: requests you submit are transmitted to a network of independent, state-licensed lenders who may respond with offers. We are not a lender, do not make credit decisions, do not set terms, and are not a party to any loan agreement you sign. Submitting a request guarantees neither a connection nor an approval, and the service is not available in all states.

2. Eligibility and Your Representations

By using the service you represent that you are at least 18 years old, a U.S. resident, and that all information you submit is accurate and yours to submit. Inaccurate submissions may be declined, cancelled, or reported where fraud is involved.

3. No Financial Advice

All content on this site — guides, calculators, rate tables, examples — is educational information built on estimates, provided as-is, and is not financial, legal, or credit advice. Representative examples illustrate math, not offers. The binding terms of any loan are those in the lender's disclosure and agreement, which control over anything on this site without exception.

4. Fees

The service is free to borrowers: no request, comparison, or decline fee, ever. We are compensated by lenders as the advertiser disclosure describes. Any party demanding a fee from you before funding a loan is not operating under these terms and should be treated as fraudulent.

5. Intellectual Property and Acceptable Use

Site content, design, and branding belong to 12M Loan or its licensors; personal, non-commercial use is licensed, scraping, republication, and misrepresentation are not. You agree not to interfere with site operation, probe its security, submit others' information without authority, or use the service for any unlawful purpose.

6. Third Parties

Lenders in the network are independent businesses; their offers, agreements, servicing, and privacy practices are their own, and disputes about a funded loan are between you and your lender (with the CFPB complaint process available for the unresolved). References to third-party companies, including on the comparison page, are informational and imply no affiliation.

7. Disclaimers and Limitation of Liability

The site and service are provided as-is and as-available, without warranties of any kind, express or implied, including accuracy, availability, and fitness for purpose. To the fullest extent law permits, 12M Loan is not liable for indirect, incidental, or consequential damages arising from site use or from any loan transaction with any lender; where liability cannot be excluded, it is limited to the amount you paid us for the service — which is zero. Some states do not permit certain limitations, so parts of this section may not apply to you.

8. Changes, Governing Law, Contact

We may update these terms by posting revisions here; continued use after posting is acceptance. These terms are governed by the laws of the State of Washington, without regard to conflict-of-law rules, and disputes belong to the state or federal courts there unless your state's consumer law provides otherwise. Questions reach [email protected] or 12M Loan, 9352 Northgate Ave, Suite 100, Spokane, WA 99201 — and the data side of these terms is the privacy policy.