MoneySimple Terms of Use Agreement

1. Acceptance of This Agreement

These Terms of Use ("Agreement") govern your access to and use of websites, applications, tools, forms, and related services operated by MoneySimple ("MoneySimple," "we," "us," or "our") (collectively, the "Platform").

By accessing, browsing, or using the Platform, you acknowledge that you have read, understand, and agree to be bound by this Agreement, our Privacy Policy, and our Electronic Consent Agreement (each incorporated by reference). If you do not agree, you must not access or use the Platform.

2. Eligibility and Geographic Scope

The Platform is intended for individuals who are at least 18 years of age and who access the Platform from within the United States. By using the Platform, you represent and warrant that you meet these requirements.

3. Definitions

• "You" or "Your" means the individual accessing or using the Platform.
• "Platform" means the MoneySimple websites, applications, forms, tools, and related services.
• "Network Partners" means independent third-party financial service professionals (debt relief companies, credit counselors, lenders, financial advisors, etc.) that may offer financial products or services and that may receive inquiries or information through the Platform.
• "Inquiry Form" means any form, questionnaire, quiz, or submission through which you request information, quotes, or potential connections related to debt relief, credit repair, lending, or related financial products or services.

4. Role of MoneySimple

MoneySimple is not a lender, debt relief provider, credit counselor, or agent of any consumer or financial service professional. MoneySimple does not provide financial services directly, make lending decisions, set rates or terms, or guarantee the quality, availability, or outcome of services provided by Network Partners.

The Platform provides technology, educational content, and marketplace tools that allow users to explore options and be connected with independent Network Partners that may offer products or services of interest. All decisions regarding offers, pricing, terms, and availability are made solely by Network Partners.

5. Nature of Inquiries

Submitting an Inquiry Form is not a contract for services, does not guarantee that you will receive an offer or connection with a Network Partner, and does not obligate you to proceed with any Network Partner. Any quote, estimate, or service determination is conditional and subject to additional verification, documentation, and criteria established by the Network Partner.

6. Authorization to Obtain Information and Conduct Research

By submitting an Inquiry Form, you expressly authorize MoneySimple and its Network Partners to verify and supplement information you provide; and conduct research to evaluate eligibility, facilitate matching, and provide relevant information or recommendations. These activities may be conducted to respond to your inquiry, facilitate potential connections, provide information about products or services, for internal analytics, quality assurance, and fraud prevention.

7. Information Sharing

You authorize MoneySimple to share your information with Network Partners and their service providers. Network Partners may further share information as necessary to evaluate your inquiry, provide products or services, comply with legal obligations, or maintain records. MoneySimple may also receive information from Network Partners regarding the status or outcome of inquiries for operational, compliance, analytics, and quality assurance purposes.

8. Electronic Communications

By using the Platform, you consent to receive communications electronically in accordance with the Electronic Consent Agreement, which governs notices, disclosures, documents, eligibility information, and other communications and is incorporated by reference.

9. No Professional Advice

All content and information provided through the Platform is for informational and educational purposes only. Nothing on the Platform constitutes legal, financial, tax, or investment advice. You are solely responsible for evaluating any information obtained through the Platform and for decisions you make based on that information. You should consult qualified professionals before making any financial decisions.

10. Compensation Disclosure

MoneySimple may receive compensation from Network Partners in connection with consumer inquiries. Compensation may influence which Network Partners appear or are matched, and MoneySimple does not represent that all available products, services, or providers in the marketplace are included.

11. User Responsibilities

You represent that all information you provide is true, accurate, current, and complete. You agree not to misuse the Platform, interfere with its operation, or use it for unlawful purposes.

12. Intellectual Property

All content, design, text, graphics, logos, software, and other materials on the Platform are owned by or licensed to MoneySimple and are protected by intellectual property laws. You may not copy, reproduce, distribute, modify, scrape, or exploit the Platform or its content without prior written permission.

13. Disclaimers

THE PLATFORM AND ALL CONTENT ARE PROVIDED "AS IS" AND "AS AVAILABLE," WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED, OR STATUTORY. MONEYSIMPLE DISCLAIMS ALL WARRANTIES, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, ACCURACY, AVAILABILITY, AND NON-INFRINGEMENT. MONEYSIMPLE DOES NOT GUARANTEE ANY RESULT, OFFER, APPROVAL, OR OUTCOME.

14. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, MONEYSIMPLE SHALL NOT BE LIABLE FOR INDIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL, OR PUNITIVE DAMAGES. MONEYSIMPLE'S TOTAL LIABILITY FOR ANY CLAIM ARISING OUT OF OR RELATING TO THE PLATFORM SHALL NOT EXCEED ONE HUNDRED U.S. DOLLARS ($100.00). Some jurisdictions do not allow certain limitations, so some provisions may not apply to you.

15. Indemnification

You agree to indemnify and hold harmless MoneySimple, its officers, directors, employees, and affiliates from any claims, losses, liabilities, damages, and expenses arising out of your use of the Platform, violation of this Agreement, or violation of applicable law.

16. Dispute Resolution and Arbitration

17. Governing Law

Except as governed by the Federal Arbitration Act, this Agreement is governed by the laws of the State of California, without regard to conflict-of-law principles.

18. Modifications

MoneySimple may modify this Agreement at any time. Continued use of the Platform after changes are posted constitutes acceptance of the modified Agreement.

19. Entire Agreement and Severability

This Agreement constitutes the entire agreement between you and MoneySimple regarding the Platform. If any provision is found unenforceable, the remaining provisions shall remain in full force and effect.

20. Contact Information

For questions regarding this Agreement, please contact: