Terms of Service

1. Agreement to Terms

By accessing or using threestickslendlng.com, you enter into a binding agreement with Three Stick Lending and acknowledge that you have read, understood, and agree to these Terms. These Terms apply to all visitors and users of the Site. We may revise these Terms at any time by posting an updated version on this page. Your continued use of the Site after changes are posted constitutes your acceptance of the revised Terms.

2. Non-Lender Disclaimer

Three Stick Lending is an informational lead generation service. We are not a lender, loan broker, or credit broker. We do not make credit decisions, issue loans, or guarantee that you will be matched with a lender. We do not guarantee any specific rates, terms, or funding amounts. The operator of this Site is not an agent or representative of any lender and does not endorse any particular lender. All funding amounts, rates, and terms are determined solely by participating lenders in our network, subject to applicable state and federal laws.

Submitting your information through our Site does not constitute an application for a loan, nor does it guarantee that you will receive an offer. Any offer you may receive comes directly from a lender, and any agreement you enter into is between you and that lender — not with Three Stick Lending.

3. User Eligibility

To use our Site and submit a request, you must be at least 18 years of age, a United States citizen or permanent resident, and have a valid bank account. By submitting a request, you represent and warrant that you meet all of these eligibility requirements. You also represent that all information you provide is accurate, complete, and current to the best of your knowledge. Providing false or misleading information may result in the rejection of your request and may violate federal and state laws.

4. Intellectual Property

All content on this Site — including but not limited to text, graphics, logos, button icons, images, audio, digital downloads, data compilations, software, and the overall look and feel of the Site — is the property of Three Stick Lending or its licensors and is protected by United States and international copyright, trademark, and other intellectual property laws. You may not reproduce, distribute, modify, create derivative works from, publicly display, or otherwise exploit any content from this Site without our prior written consent.

The "Three Stick Lending" name, logo, and all related marks are trademarks of Three Stick Lending. All other trademarks appearing on this Site are the property of their respective owners. Nothing on this Site grants you any right or license to use any trademark without prior written permission.

5. Limitation of Liability

Three Stick Lending provides this Site on an "as is" and "as available" basis. We make no warranties, express or implied, regarding the Site's operation, availability, accuracy, or fitness for a particular purpose. We are not liable for any decisions made by participating lenders, including decisions to approve or decline your request, the rates or terms offered, or any actions taken by lenders after receiving your information.

To the fullest extent permitted by law, Three Stick Lending shall not be liable for any direct, indirect, incidental, consequential, special, or punitive damages arising from your use of or inability to use the Site, including but not limited to any damages resulting from interactions with third-party lenders, loss of data, interruption of business, or any other commercial damages or losses. Your sole remedy for dissatisfaction with the Site is to stop using it.

6. Governing Law

These Terms and any dispute arising out of or related to your use of the Site shall be governed by and construed in accordance with the laws of the State of California, without regard to its conflict of law principles. You agree that any legal action or proceeding arising under these Terms shall be brought exclusively in the courts located in the State of California, and you consent to the exclusive jurisdiction and venue of such courts.

If you have any questions about these Terms, please contact us at support@threestickslendlng.com or (833) 710-3200.