Effective Date: September 22, 2025
Last Updated: September 22, 2025
1. Acceptance of Terms
Welcome to Online Loans in Utah (“we,” “our,” “us,” or the “Company”). These Terms of Use (“Terms”) govern your access to and use of our website, mobile applications, and loan services (collectively, the “Services”). By accessing or using our Services, you agree to be bound by these Terms and our Privacy Policy.
If you do not agree to these Terms, you may not access or use our Services.
2. Description of Services
Online Loans in Utah is a lending platform that connects Utah residents with licensed lenders offering various loan products, including:
- Payday loans
- Installment loans
- Personal loans
- Title loans
- Emergency loans
- Tribal loans
- Allotment loans for federal employees
We act as a marketing service and loan broker, facilitating connections between borrowers and licensed lenders. We are not a direct lender for all loan products offered through our platform.
3. Eligibility Requirements
To use our Services, you must:
- Be at least 18 years of age
- Be a legal resident of Utah or another state where our services are available
- Have a valid government-issued photo ID
- Possess an active bank account
- Have a regular source of income
- Provide accurate and truthful information in all applications
- Have the legal capacity to enter into binding contracts
4. User Account and Registration
4.1 Account Creation
When you create an account, you must provide accurate, current, and complete information. You are responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account.
4.2 Account Security
You agree to:
- Use a strong, unique password
- Not share your login credentials with others
- Notify us immediately of any unauthorized use of your account
- Log out of your account after each session
4.3 Account Termination
We reserve the right to suspend or terminate your account at any time for violation of these Terms or for any other reason at our sole discretion.
5. Loan Application Process
5.1 Application Submission
By submitting a loan application through our platform, you:
- Authorize us to obtain your credit report and verify your information
- Consent to share your information with potential lenders in our network
- Acknowledge that loan approval is not guaranteed
- Understand that loan terms are determined by the funding lender
5.2 Information Accuracy
You represent and warrant that all information provided in your loan application is accurate, complete, and truthful. Providing false or misleading information may result in:
- Application denial
- Loan cancellation
- Legal action
- Reporting to relevant authorities
5.3 Credit Authorization
By applying for a loan, you authorize us and our lending partners to:
- Obtain credit reports from consumer reporting agencies
- Verify your identity, employment, and income
- Share your information with third-party verification services
- Report loan performance to credit bureaus
6. Utah Lending Regulations
Our Services comply with Utah state lending laws and regulations, including:
6.1 Regulatory Compliance
- Utah Consumer Credit Code
- Utah Check Cashing and Deferred Deposit Lending Registration Act
- Utah Title Lending Registration Act
- Truth in Lending Act (TILA)
- Fair Credit Reporting Act (FCRA)
6.2 Licensed Lenders
All lenders in our network are licensed to operate in Utah and comply with:
- Utah Department of Financial Institutions requirements
- State-mandated disclosure requirements
- Interest rate and fee regulations
- Consumer protection laws
6.3 Consumer Rights
Utah borrowers have specific rights, including:
- Right to receive clear loan disclosures
- Right to cancel certain loans within specified timeframes
- Right to file complaints with Utah Department of Financial Institutions
- Access to extended payment plans where applicable
7. Prohibited Uses
You agree not to use our Services to:
- Provide false, inaccurate, or misleading information
- Attempt to defraud or deceive us or our lending partners
- Access our systems through unauthorized means
- Interfere with or disrupt our Services
- Use automated systems (bots, scrapers) to access our website
- Violate any applicable laws or regulations
- Infringe on intellectual property rights
- Transmit viruses, malware, or harmful code
- Harass, threaten, or abuse our staff or other users
8. Fees and Charges
8.1 Platform Fees
Our Services may be provided at no cost to borrowers, with compensation received from lending partners. Any fees charged to borrowers will be clearly disclosed before acceptance.
8.2 Third-Party Fees
Loan terms, interest rates, and fees are determined by the funding lender and will be disclosed in your loan agreement. We are not responsible for lender fees or charges.
8.3 Payment Processing
Payment processing may be handled by third-party services, which may charge additional fees. These fees will be disclosed before processing.
9. Intellectual Property
9.1 Our Property
All content on our website and in our Services, including text, graphics, logos, images, software, and design elements, is owned by us or our licensors and is protected by copyright, trademark, and other intellectual property laws.
9.2 Limited License
We grant you a limited, non-exclusive, non-transferable license to access and use our Services for their intended purpose. You may not:
- Copy, modify, or distribute our content
- Use our trademarks or logos without permission
- Create derivative works based on our Services
- Reverse engineer our software or systems
10. Disclaimers and Limitations
10.1 Service Availability
We strive to maintain continuous service availability but do not guarantee uninterrupted access. Our Services may be temporarily unavailable due to:
- Scheduled maintenance
- Technical issues
- Force majeure events
- Regulatory requirements
10.2 No Lending Guarantees
We do not guarantee:
- Loan approval for any applicant
- Specific loan terms or interest rates
- Funding timelines
- Availability of particular loan products
10.3 Third-Party Services
Our platform integrates with third-party services for various functions. We are not responsible for the availability, accuracy, or performance of third-party services.
11. Limitation of Liability
TO THE MAXIMUM EXTENT PERMITTED BY LAW:
11.1 Excluded Damages
We shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to:
- Lost profits or revenue
- Business interruption
- Loss of data or information
- Cost of substitute services
11.2 Liability Cap
Our total liability to you for all claims arising from or related to these Terms or our Services shall not exceed the amount of fees paid by you to us in the twelve months preceding the claim.
11.3 State Law Variations
Some states do not allow limitations on liability for certain damages, so these limitations may not apply to you. Utah law governs the interpretation and enforcement of these limitations.
12. Indemnification
You agree to indemnify, defend, and hold harmless Online Loans in Utah, its officers, directors, employees, agents, and affiliates from and against any claims, liabilities, damages, losses, costs, and expenses (including reasonable attorneys’ fees) arising from or related to:
- Your use of our Services
- Your violation of these Terms
- Your violation of any applicable laws
- Information you provide through our Services
- Your infringement of third-party rights
13. Privacy and Data Protection
Your privacy is important to us. Our collection, use, and disclosure of your personal information is governed by our Privacy Policy, which is incorporated into these Terms by reference. By using our Services, you consent to our privacy practices as described in our Privacy Policy.
14. Communication Preferences
14.1 Electronic Communications
By using our Services, you consent to receive communications from us electronically, including:
- Email notifications about your applications and accounts
- Text messages related to loan services
- Marketing communications (with your consent)
- Legal notices and disclosures
14.2 Opt-Out Rights
You may opt out of marketing communications at any time by:
- Clicking unsubscribe links in emails
- Replying “STOP” to text messages
- Contacting our customer service
- Updating your communication preferences
15. Dispute Resolution
15.1 Governing Law
These Terms are governed by and construed in accordance with the laws of the State of Utah, without regard to its conflict of law principles.
15.2 Jurisdiction and Venue
Any legal action or proceeding arising under these Terms shall be brought exclusively in the state or federal courts located in Utah, and you consent to the jurisdiction of such courts.
15.3 Informal Resolution
Before initiating formal legal proceedings, you agree to first attempt to resolve disputes through good faith negotiations by contacting our customer service team.
16. Modifications to Terms
16.1 Right to Modify
We reserve the right to modify these Terms at any time. When we make material changes, we will:
- Post the updated Terms on our website
- Update the “Last Updated” date
- Provide notice through email or website notification
- For significant changes, provide at least 30 days’ advance notice
16.2 Acceptance of Changes
Your continued use of our Services after any changes become effective constitutes acceptance of the modified Terms. If you do not agree to the changes, you must discontinue use of our Services.
17. Severability
If any provision of these Terms is found to be invalid, illegal, or unenforceable, the remaining provisions shall continue in full force and effect. The invalid provision shall be deemed modified to the minimum extent necessary to make it valid and enforceable.
18. Entire Agreement
These Terms, together with our Privacy Policy and any additional terms applicable to specific Services, constitute the entire agreement between you and Online Loans in Utah regarding your use of our Services.
19. Contact Information
If you have questions about these Terms, please contact us by email [email protected].
20. Effective Date
These Terms are effective as of the date listed above and remain in effect until modified or terminated in accordance with these Terms.
Important Legal Notice: These Terms of Use are designed to comply with Utah state law and federal lending regulations. Laws vary by jurisdiction and are subject to change. We recommend consulting with qualified legal counsel for specific legal advice regarding online lending compliance.