Terms of Service

1. Acceptance of Terms

By accessing, browsing, or using MoneyKeyUSA.com in any manner, you acknowledge that you have read, understood, and agree to be bound by these Terms of Service, as well as our Privacy Policy. If you do not agree, you are not authorized to use this Website. These Terms apply to all visitors and users.

2. Description of Services

MoneyKeyUSA.com is an independent, advertising-supported website that publishes educational content, reviews, and comparisons of personal loan products, installment loans, and lines of credit available in the United States. The Website is operated for informational purposes to help consumers understand financial products.

3. Not a Lender or Financial Advisor

We are not licensed financial advisors, investment advisors, tax advisors, or attorneys. Any information on this Website should not be construed as financial, legal, or tax advice. Before making any financial decision, you should consult with qualified professionals.

4. Not Financial Advice

The content on MoneyKeyUSA.com is provided for general educational and informational purposes only. It does not constitute financial, legal, or tax advice, nor is it a recommendation to apply for, use, or purchase any specific financial product or service.

Personal financial decisions depend on individual circumstances, and information suitable for one person may be inappropriate for another. You are solely responsible for evaluating whether any product or service featured on this Website is appropriate for your situation.

5. Accuracy of Information

While we make reasonable efforts to keep information on this Website accurate and current, we make no warranties or representations about the completeness, accuracy, reliability, suitability, or availability of any information contained on the Website.

Loan terms, APRs, fees, eligibility requirements, and product availability change frequently and may differ from what is presented here. Always verify current information directly with the lender before applying for or accepting any loan product.

6. Advertising and Affiliate Relationships

MoneyKeyUSA.com participates in advertising programs and affiliate relationships. We may receive compensation when visitors click on links, complete forms, or take other actions through our Website. This compensation may impact where and how certain products or services appear on our Website.

However, editorial content, ratings, and recommendations are determined independently by our editorial team and are not influenced by advertising compensation. We disclose our advertising relationships in accordance with the Federal Trade Commission's guidelines under 16 CFR Part 255.

7. Third-Party Websites and Services

This Website contains links to third-party websites, including lender websites operated by our advertising partners. We do not control, endorse, or assume responsibility for the content, privacy policies, business practices, or availability of any third-party website or service.

Your interactions with any third party accessed through our Website, including participation in promotions, purchase of goods or services, and any related terms, conditions, warranties, or representations, are solely between you and the third party.

8. Intellectual Property Rights

All content on MoneyKeyUSA.com, including text, graphics, logos, icons, images, audio and video clips, digital downloads, data compilations, software, and the compilation and arrangement thereof, is the property of MoneyKeyUSA.com or its content suppliers and is protected by United States and international copyright, trademark, and other intellectual property laws.

MoneyKey and related brand names, logos, and marks referenced on this Website are trademarks of their respective owners. Use of such trademarks does not imply endorsement of or affiliation with the trademark holder. MoneyKeyUSA.com is not affiliated with, endorsed by, or sponsored by MoneyKey Inc.

You may not reproduce, distribute, modify, create derivative works of, publicly display, publicly perform, republish, or exploit any material on this Website without prior written consent, except for personal, non-commercial use.

9. User Conduct

When using this Website, you agree not to:

• Use the Website in any way that violates any applicable federal, state, local, or international law
• Engage in any conduct that restricts or inhibits anyone's use or enjoyment of the Website
• Use automated systems, including scrapers, bots, or spiders, to access the Website
• Attempt to gain unauthorized access to any portion of the Website or any related systems
• Interfere with or disrupt the Website's servers or networks
• Submit false or misleading information through any forms on the Website

10. No Warranties

THE WEBSITE AND ALL INFORMATION, CONTENT, AND SERVICES PROVIDED THROUGH IT ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS, WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT.

We do not warrant that the Website will be uninterrupted, error-free, secure, or free of viruses or other harmful components.

11. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, MONEYKEYUSA.COM AND ITS OWNERS, OPERATORS, AFFILIATES, EMPLOYEES, AND CONTRACTORS SHALL NOT BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO LOSS OF PROFITS, DATA, USE, GOODWILL, OR OTHER INTANGIBLE LOSSES, RESULTING FROM:

• Your access to or use of, or inability to access or use, the Website
• Any conduct or content of any third party on the Website
• Any content obtained from the Website
• Unauthorized access, use, or alteration of your transmissions or content
• Any financial decisions made based on information from the Website

12. Indemnification

You agree to defend, indemnify, and hold harmless MoneyKeyUSA.com and its affiliates from and against any claims, liabilities, damages, judgments, awards, losses, costs, expenses, or fees (including reasonable attorneys' fees) arising out of or relating to your violation of these Terms or your use of the Website.

13. Governing Law and Jurisdiction

These Terms are governed by and construed in accordance with the laws of the United States and the state in which our operations are based, without regard to conflict of law principles. Any legal action or proceeding arising under these Terms shall be brought exclusively in the courts of that jurisdiction.

14. Dispute Resolution

Any dispute arising out of or relating to these Terms or the Website shall first be attempted to be resolved through good-faith negotiation. If informal resolution is unsuccessful, disputes shall be resolved through binding arbitration in accordance with the rules of the American Arbitration Association, except where prohibited by applicable law.

15. Modifications to Terms

We reserve the right to modify these Terms at any time. Changes will be effective immediately upon posting to this Website. Your continued use of the Website after any modifications constitutes your acceptance of the modified Terms. We encourage you to review these Terms periodically.

16. Severability

If any provision of these Terms is found to be unenforceable or invalid, that provision shall be limited or eliminated to the minimum extent necessary so that these Terms shall otherwise remain in full force and effect.

17. Contact Information

If you have questions about these Terms of Service, please contact us:

• Email: [email protected]
• Website: moneykeyusa.com/contact