1. Acceptance of Terms

Welcome to LoanKey.org. These Terms of Service (“Terms”) constitute a legally binding agreement between you (“User,” “you,” or “your”) and LoanKey.org (“we,” “us,” or “our”) governing your access to and use of the LoanKey.org website, including all content, tools, features, and services available on the site.

By accessing, browsing, or using LoanKey.org in any manner, you acknowledge that you have read, understood, and agree to be bound by these Terms, as well as our Privacy Policy, which is incorporated herein by reference. If you do not agree to these Terms, you must immediately discontinue your use of our website.

2. Description of Services

LoanKey.org is an independent, advertising-supported financial comparison website. Our services include:

• Providing informational content about personal loans, mortgages, auto loans, student loans, business loans, and debt consolidation
• Publishing reviews and ratings of financial lenders based on our independent editorial research
• Displaying rate comparison tables sourced from publicly available lender data and partner disclosures
• Offering financial calculators and tools for educational purposes
• Connecting users with third-party lenders through affiliate referral links

LoanKey.org does not originate, fund, approve, or service loans. We do not make credit decisions and are not responsible for the terms, conditions, or availability of any financial product offered by third-party lenders.

3. Eligibility

You must be at least 18 years of age and a resident of the United States to use LoanKey.org. By using our website, you represent and warrant that you meet these eligibility requirements. We reserve the right to verify eligibility at any time and to deny access to any user who does not meet our requirements.

4. Intellectual Property

All content published on LoanKey.org — including but not limited to text, articles, lender reviews, rate data, graphics, logos, icons, images, audio clips, and software — is the exclusive property of LoanKey.org or its content licensors and is protected by United States and international copyright, trademark, and intellectual property laws.

Permitted Use

You may access and view content on LoanKey.org for personal, non-commercial purposes only. You may print or download a single copy of any page for your personal, non-commercial use, provided you do not modify the content and retain all copyright notices.

Prohibited Use

You may not reproduce, republish, distribute, sell, license, create derivative works from, or exploit any content from LoanKey.org without our prior written consent. Unauthorized use of our content may result in legal action.

5. Prohibited Uses

You agree not to use LoanKey.org for any of the following purposes:

• Using automated tools, bots, scrapers, or spiders to collect data from our website without written permission
• Attempting to gain unauthorized access to any portion of our website or its related systems
• Transmitting spam, unsolicited communications, or malicious code
• Using our platform to make false, misleading, or defamatory statements about any person or organization
• Engaging in any activity that disrupts, damages, or impairs the functionality of our website
• Circumventing any security or access control measures on our website
• Using our website in any way that violates applicable federal, state, or local law
• Impersonating LoanKey.org, its employees, or any other person or entity

6. Third-Party Links & Lenders

LoanKey.org contains links to third-party websites, including lender websites, affiliate partners, and external resources. These links are provided for your convenience and informational purposes only.

We have no control over the content, policies, or practices of third-party websites and accept no responsibility for them. The inclusion of any link does not imply our endorsement of the linked site. When you leave LoanKey.org and visit a third-party site, you do so at your own risk and subject to that site’s own terms and conditions.

Any financial product you apply for through a lender linked from our site is solely between you and that lender. LoanKey.org is not a party to any loan agreement and bears no responsibility for the approval, terms, or servicing of any loan.

7. Disclaimers

We do not warrant that:

• The information on our website is accurate, complete, current, or free of errors
• The rates displayed on our website reflect rates currently available to you
• Our website will be available at all times or free from technical interruptions
• Any lender listed on our site will approve your loan application

Rate information is sourced from publicly available lender disclosures and may change without notice. Always verify current rates directly with the lender before submitting a loan application.

8. Limitation of Liability

To the maximum extent permitted by applicable law, LoanKey.org, its owners, employees, affiliates, and partners shall not be liable for any direct, indirect, incidental, special, consequential, or punitive damages arising from your use of, or inability to use, our website or its content, including but not limited to:

• Financial losses resulting from reliance on rate information published on our site
• Losses resulting from a loan application being denied
• Damages resulting from unauthorized access to your personal information
• Any interruption or cessation of our website services

In jurisdictions where limitation of liability is not permitted, our liability shall be limited to the maximum extent allowed by law.

9. Indemnification

You agree to indemnify, defend, and hold harmless LoanKey.org and its officers, directors, employees, and agents from and against any claims, liabilities, damages, losses, and expenses, including reasonable attorneys’ fees, arising out of or related to your use of our website, your violation of these Terms, or your violation of any rights of a third party.

10. Governing Law & Disputes

These Terms shall be governed by and construed in accordance with the laws of the United States and the state in which LoanKey.org operates, without regard to its conflict of law provisions. Any dispute arising from these Terms or your use of LoanKey.org shall be resolved through binding arbitration in accordance with the rules of the American Arbitration Association, except that either party may seek injunctive or other equitable relief in a court of competent jurisdiction.

11. Termination

We reserve the right to terminate or suspend your access to LoanKey.org at any time, without notice, for conduct that we determine in our sole discretion violates these Terms or is harmful to other users, us, third parties, or the reputation of our website. Upon termination, all provisions of these Terms which by their nature should survive shall continue in full force and effect.

12. Contact Information