1. Acceptance of these terms
By accessing or using upstartloansusa.com (the "Site"), operated by Upstart Loans USA ("we", "us"), you agree to these Terms of Use and to our Privacy Policy. If you do not agree, please do not use the Site. You must be at least 18 years old to use the Site.
2. Educational content only; not advice
The Site provides general educational information about personal loans and consumer credit in the United States, including statistics, explanations, lender reviews and calculators. Nothing on the Site is financial, legal, tax, credit or investment advice, an offer or solicitation of credit, or a recommendation that any product is suitable for you. Your circumstances are unique; consult a qualified professional before making financial decisions. Calculators produce estimates from the inputs you provide using standard formulas and may differ from a lender's actual figures.
3. We are not a lender, broker or credit-repair organization
We do not make loans, take or forward loan applications, perform credit checks, make or influence credit decisions, or provide credit repair, debt settlement or counseling services. When you follow a link from the Site to a lender or marketplace, you leave the Site and deal with that third party under its own terms and privacy policy. We are not a party to, and have no responsibility for, any transaction, approval, decline, rate, fee or dispute between you and a third party.
The Site is independent and is not affiliated with, endorsed by or sponsored by Upstart Network, Inc. or any other lender. Company names and trademarks mentioned on the Site belong to their respective owners and are used only to identify the products discussed.
4. Accuracy, timeliness and third-party content
We take care to source statistics from primary sources, to date them and to re-verify lender terms on the schedule described on our About page. Nevertheless, rates, fees, eligibility rules and product availability change frequently and vary by state, and information on the Site may be incomplete or out of date at any given moment. The lender's own disclosures at the time you apply are authoritative. We are not responsible for the content, accuracy or practices of third-party websites we link to, and a link is not an endorsement.
5. Advertising and affiliate relationships
We may receive compensation when you click certain links or take actions with third parties, as described in our Advertiser Disclosure, which is incorporated into these Terms. Compensation does not affect the statistics, scores or rankings we publish.
6. Intellectual property and permitted use
The Site's text, graphics, illustrations, calculators, code, design and the compilation of them are owned by Upstart Loans USA or its licensors and protected by copyright, trademark and other laws. You may view, download and print pages for personal, non-commercial use, and quote brief excerpts with attribution and a link to the source page. You may not reproduce, republish, scrape at scale, sell or create derivative works from Site content without our written permission, remove any notices, or use the Site in a way that interferes with its operation or other users. Third-party statistics quoted on the Site remain the property of their sources.
7. Prohibited conduct
- Using the Site for any unlawful purpose or in violation of any applicable law.
- Attempting to gain unauthorized access to the Site, its servers or related systems; introducing malware; or circumventing security.
- Automated access (bots, scrapers) that burdens the Site or extracts content in bulk, other than by search engines following our robots directives.
- Framing the Site, misrepresenting your affiliation with us, or using our name or marks to imply endorsement.
8. Disclaimer of warranties
THE SITE AND ITS CONTENT ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING WARRANTIES OF ACCURACY, COMPLETENESS, MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE AND NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE SITE WILL BE UNINTERRUPTED, ERROR-FREE OR FREE OF HARMFUL COMPONENTS, OR THAT ANY INFORMATION IS CURRENT OR SUITABLE FOR YOUR PURPOSES. SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OF IMPLIED WARRANTIES, SO SOME OF THE ABOVE MAY NOT APPLY TO YOU.
9. Limitation of liability
TO THE FULLEST EXTENT PERMITTED BY LAW, UPSTART LOANS USA, ITS OWNERS, CONTRIBUTORS AND SERVICE PROVIDERS WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL OR PUNITIVE DAMAGES, OR FOR ANY LOSS OF MONEY, PROFITS, DATA OR GOODWILL, ARISING FROM OR RELATED TO YOUR USE OF OR RELIANCE ON THE SITE OR ANY THIRD-PARTY PRODUCT OR SERVICE REACHED THROUGH IT, EVEN IF ADVISED OF THE POSSIBILITY. OUR TOTAL LIABILITY FOR ANY CLAIM RELATING TO THE SITE WILL NOT EXCEED ONE HUNDRED US DOLLARS ($100). SOME JURISDICTIONS DO NOT ALLOW THESE LIMITATIONS, SO THEY MAY NOT APPLY TO YOU.
10. Indemnification
You agree to indemnify and hold harmless Upstart Loans USA and its owners, contributors and service providers from claims, losses and expenses (including reasonable attorneys' fees) arising from your violation of these Terms or misuse of the Site.
11. Governing law and disputes
These Terms are governed by the laws of the State of [State], without regard to conflict-of-law rules. Any dispute that cannot be resolved informally will be brought exclusively in the state or federal courts located in [County, State], and you consent to their jurisdiction. [Optional: arbitration clause and class-action waiver, if desired, to be drafted by counsel]. Nothing in this section limits any non-waivable consumer rights you have under the law of your state of residence.
12. Changes, termination and general terms
We may change these Terms at any time by posting a revised version with a new effective date; continued use after a change constitutes acceptance. We may suspend or terminate access to the Site for any reason, including violation of these Terms. If any provision is held unenforceable, the remainder stays in effect. These Terms, the Privacy Policy and the Advertiser Disclosure are the entire agreement between you and us regarding the Site. Our failure to enforce a provision is not a waiver.
13. Contact
Upstart Loans USA, [mailing address] · [contact email]. For corrections to published content, see our corrections policy.