Terms and Conditions

General Site Usage Last Revised: April 2025

PLEASE READ THESE TERMS & CONDITIONS, INCLUDING THE WAIVER OF JURY TRIAL AND CLASS ACTION AND  ARBITRATION AGREEMENT,  CAREFULLY BEFORE ACCESSING OR USING THE LENDLY APPLICATION ON YOUR MOBILE DEVICE OR THE LENDLY.COM WEBSITE. USING THE LENDLY.COM WEBSITE OR MOBILE LENDLY APPLICATION CONSTITUTES ACCEPTANCE OF A LEGAL AGREEMENT, INCLUDING THE WAIVER OF JURY TRIAL AND CLASS ACTION AND  THE ARBITRATION AGREEMENT. IF YOU DO NOT WISH TO AGREE TO THE TERMS OF THIS AGREEMENT, YOU SHOULD IMMEDIATELY DISCONTINUE USING AND ACCESSING THE LENDLY APPLICATION AND THE LENDLY.COM WEBSITE.

Thank you for visiting, Lendly, LLC (referred to “Provider”) through Lendly.com (“website”). Your access to and use of this website and/or services is exclusively governed by these terms of use. Please read the terms outlined below carefully before using this website and/or services as, by accessing or using our website and/or services, you accept and agree to be bound by these terms of use. We reserve the right, at our discretion, to modify, remove or add to these terms of use at any time. The data contained on this website and/or services is for informational purposes only, and is not represented to be free from any error. Our website and/or services are provided on an “as is, available basis.” We do not warrant that any of the functions of the website and/or services will be uninterrupted or error-free, or that the website or services will be free of any or all harmful components. Any links to information not associated with Provider are provided as a courtesy and do not constitute any endorsement by Provider. Any loan you obtain will be governed by your loan documents.

‍1. MODIFICATION Provider may from time to time make modifications, alterations or changes to this website and/or services, including the terms of use, without prior notice. Please check the terms of use page periodically as your continued use of our website or services following the modifications, additions or removal of the terms means that you accept the changes.

‍2. INTELLECTUAL PROPERTY STATEMENT All content on our website and/or services is the copyrighted material of Provider or the appropriate contributor, and is protected by United States and international copyright, trademark, and other applicable laws. Our website and/or services may include content, designs, and appearances, as well as trademarks, graphics, slogans, logos, colors, and designs that are the property of Provider or other third parties. Nothing contained on our website and/or service(s) grants any license or other right to any of Provider’s intellectual property or any third party’s intellectual property. You may not copy (other than for personal use, provided that you do not remove any trademark, copyright or any other notice contained in or on the content), modify, distribute, display, reproduce or republish any of the data contained on our website and/or service(s) without obtaining the written permission of Provider.
‍
‍3. APPLICABLE LAW; WAIVER OF JURY TRIAL AND CLASS ACTION AND ARBITRATION AGREEMENT. Provider's website and service(s) are created and controlled in the State of Ohio. As a result, the laws of the State of Ohio will govern the terms of use without giving effect to any principles of conflicts of laws. The parties agree that a condition of using our website and/or service(s), including applying for a loan, is that any and all claims that arise out of the use of this website will be resolved by binding arbitration if the person or entity against whom a claim is made elects to arbitrate the claim. Thus, if the person or entity against whom the claim is made elects to arbitrate the claim, then you will not have the following important rights:
‍
·      You may not file or maintain a lawsuit in any court except a small claims court in Franklin County, Ohio.
·      You give up your right to have a jury decide your claim.
·      You will not be afforded the same procedural, pre-trial discovery, and appellate rights in an arbitration proceeding that you would enjoy in a court or judicial proceeding.
·      You may not join or participate in a class action, act as a class representative, or a private attorney general or consolidate your claim with the claims of others.
·      You will have to pay certain fees to commence an arbitration proceeding unless we agree to pay those fees for you.
‍
If you do not want to arbitrate all claims as provided, then you have the right to reject the Arbitration provision by delivering a written notice to us at Lendly, Attn: Legal Department, at the address listed below, post marked within thirty (30) days following the use of this website, including applying for a loan.  If you have a loan from Capital Community Bank, the law set forth in your loan documents will govern any dispute related to your loan.
Lendly: 5165 Emerald Parkway, Suite 120A, Dublin, Ohio 43017
‍
‍4. DISCLAIMER OF WARRANTIES YOU ACKNOWLEDGE AND AGREE THAT YOUR USE OF PROVIDER’S WEBSITE AND/OR SERVICES IS AT YOUR SOLE RISK. PROVIDER AND THEIR AFFILIATES, THIRD-PARTY LICENSORS, AND SERVICE PROVIDER AND THEIR RESPECTIVE OFFICERS, DIRECTORS, EMPLOYEES, AND AGENTS DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, IN CONNECTION WITH THE WEBSITE AND/OR SERVICE(S) AND YOUR USE THEREOF. PROVIDER MAKES NOREPRESENTATIONS OR WARRANTIES REGARDING THE ACCURACY OR COMPLETENESS OF THECONTENT ON THE WEBSITE AND/OR SERVICE(S) OR ON ANY SITES LINKED TO THIS SITEAND ASSUME NO LIABILITY OR RESPONSIBILITY FOR ANY (1) ERRORS, MISTAKES ORINACCURACIES, (2) PERSONAL INJURY OR PROPERTY DAMAGE OF ANY NATURE WHATSOEVERRESULTING FROM YOUR USE OF THE WEBSITE AND/OR SERVICE(S), (3) ANY UNAUTHORIZEDACCESS TO OR USE OF PROVIDER'S SECURE SERVERS OR ANY AND ALL PERSONAL ORFINANCIAL INFORMATION STORED ON THE SERVERS, (4) ANY INTERRUPTION OR CESSATIONOF YOUR USE OF THE WEBSITE AND/OR SERVICE(S), OR (5) ANY VIRUSES OR RELATEDPROBLEMS THAT MAY BE ACQUIRED OR TRANSMITTED IN CONNECTION WITH THE WEBSITEAND/OR SERVICE(S). PROVIDER DOES NOT REPRESENT, WARRANT, ENDORSE, GUARANTEE, ORASSUME RESPONSIBILITY FOR ANY PRODUCT OR SERVICE ADVERTISED OR OFFERED BY A THIRD PARTY ON THE WEBSITE, SERVICE(S), ANY LINKED WEBSITE OR BANNER OR OTHER ADVERTISING, AND PROVIDER WILL NOT IN ANY WAY BE RESPONSIBLE FOR MONITORING ANY TRANSACTION BETWEEN YOU AND THIRD-PARTY PROVIDERS.

‍5. LIMITS OF LIABILITY IN NO EVENT WILL PROVIDER OR THEIR AFFILIATES, REPRESENTATIVES, CONTRACTORS OR THEIR RESPECTIVE OFFICERS, DIRECTORS, EMPLOYEES OR AGENTS BE LIABLE FOR ANY DAMAGE, INCLUDING, WITHOUT LIMITATION, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL OR PUNITIVE DAMAGES, WHETHER UNDER CONTRACT, TORT OR ANY OTHER THEORY OF LIABILITY, ARISING IN CONNECTION WITH (1) THE USE OF PROVIDER’S WEBSITE AND/OR SERVICE(S), (2) ANY FAILURE, ERROR, OMISSION, INTERRUPTION, DEFECT, DELAY, COMPUTER VIRUS OR LOSS OF DATA, (3) ANY LOSS OF USE RELATED TO OUR WEBSITE AND/OR SERVICE(S) OR A LINKED SITE, OR (5) ANY CONTENT ON THIS WEBSITE OR LINKED SITE. YOU AGREE TO INDEMNIFY, DEFEND AND HOLD HARMLESS PROVIDER AND THEIR AFFILIATES, LICENSORS AND CONTRACTORS AND THEIR RESPECTIVE OFFICERS, DIRECTORS, EMPLOYEES OR AGENTS FROM AND AGAINST ANY AND ALL THIRD-PARTY CLAIMS, DEMANDS, LIABILITIES, COSTS OR EXPENSES, INCLUDING REASONABLE ATTORNEYS’ FEES, ARISING FROM OR RELATED TO ANY BREACH BY YOU OF ANY OF THESE TERMS OF USE OR APPLICABLE LAW, INCLUDING THOSE REGARDING INTELLECTUAL PROPERTY.
‍
‍6. COOKIES Provider and their service providers collect anonymous, non-confidential, and non-personal information when you use the website or application. For example, cookies are small computer files that we transfer to your computer’s hard drive that allow us to know how often someone visits a site or application and the activities they conduct while on that site or while using the application. Every computer and device is assigned a different cookie. The information collected by cookies helps us dynamically generate content on web pages, and also allows us to statistically monitor how many people are using the Application or the website. It may be possible to link non-personal cookie information to personally identifiable information collected. You may be able to turn off cookies in your browser, but this may hinder our ability to provide you with certain services or your ability to enjoy certain features of the website or application.
‍
‍7. GUIDELINES FOR CHILDREN It is Provider’s policy to comply with the Children’s Online Privacy Protection Act of 1998 and all other applicable laws. By accessing Provider’s website and/or service(s), you affirm that you are at least 18 years old.

‍8. TERMINATION OF WEBSITE AND/OR SERVICE(S) Provider reserves the right to terminate the website and/or service (s) in their entirety at any time and for any reason.

‍9. CONSENT TO COMMUNICATIONS By submitting your contact information to us, you are expressly consenting to be contacted by us (and our affiliates, agents, assigns and service providers) by telephone, email or postal mail even if you have opted into the national Do Not Call List administered by the Federal Trade Commission, any state equivalent Do Not Call List or the Do Not Call List of any specific institution. We may contact you for application and loan servicing, including without limitation, for matters related to your loan or application, such as to remind you of upcoming payments, or for collections and other loan-related issues. By submitting your contact information, registering for an account, applying for credit or beginning an application for credit, you consent to be contacted by written notices; SMS messages (including text messages); telephone at any telephone number associated with your account you provide now or in the future, including cellular phones, wireless telephone numbers or other wireless devices, and in connection with any such telephone calls, you consent to the use of prerecorded/artificial voice messages and/or automatic dialing devices, at any telephone number associated with your account, including mobile telephone numbers that could result in charges to you for matters related to your loan or application, such as reminding you of upcoming payments, collections, and other loan-related issues; email notices at any email address or mailing address we have for you in our records or from other public and nonpublic databases that we may lawfully access. The tracking of SMS consent will not be shared with any third parties. You may change your contact preferences by contacting us at 1‑888‑8LENDLY (1-888-853-6359).
‍
‍10. VERIFICATION SERVICES You authorize your wireless operator to disclose your mobile number, name, address, email, network status, customer type, customer role, billing type, mobile device identifiers (IMSI and IMEI) and other subscriber and device details, if available, to Provider and service providers for the duration of the business relationship, solely for identity verification and fraud avoidance. See our Privacy Policies for how we treat your data.