# Terms & Service Conditions | SB Loan > Review sbloan.net conditions: our lead-generator marketplace role, no funding guarantees, user eligibility standards, proper usage rules, conflict procedures, and controlling jurisdiction. Источник: https://sbloan.net/terms/ --- # Terms of Service and Conditions of Use These binding provisions regulate your interaction with sbloan.net — encompassing our limited capacity as a lead-generating marketplace, your qualifications to utilize the platform, permitted behaviors, processes for addressing conflicts, and the governing jurisdictional framework. RO **Last updated: May 24, 2026** · Reviewed by: [Roman Okafor, JD](/authors/roman-okafor/) **On this page** Quick answer Lead-aggregation role No approval guarantees Platform prerequisites Profile upkeep Permitted behavior Content ownership External references Warranty exclusions Financial responsibility Hold-harmless duty Controversy procedures Forum and law Provision separability Term revisions E-contracting rules Funder interactions User feedback Support contact **Quick summary.** SB Loan acts exclusively as a lead connector, never as an originating creditor. We neither endorse nor finance advances, cannot assure any partner will accept your submission, and exercise no authority over the particular stipulations attached to any credit proposal. Your continued presence and activity on this website constitute acknowledgment and acceptance of the standards articulated herein. ## SB Loan functions strictly as a lead-aggregation marketplace, not a funding source sbloan.net is owned and operated by SB Loan Group, LLC. SB Loan is a referral platform. We connect prospective borrowers with state-licensed lenders that have entered into a referral arrangement with us. We do not make credit decisions, do not fund loans, do not collect debts, and do not service loans. The lender — not SB Loan — is the party that contracts with you, decides whether to approve you, sets the rate and fees, and disburses any funds. ## Absence of funding approval certainty We do not guarantee that any lender will approve you, that any specific loan amount will be offered, that any specific APR or fee will be quoted, or that funds will be available within any specific timeframe. We do not guarantee the accuracy or completeness of any information provided by lenders. Your relationship with a lender — including the contract you sign, the privacy notice that governs the lender's use of your data, and any disputes that arise from the loan itself — is between you and the lender. SB Loan is not a party to that contract. ## Prerequisites for utilizing the platform To use SB Loan you must be: - At least 18 years of age (or the age of legal majority in your state) - A U.S. citizen or permanent resident - A resident of a state where the products you are searching for are legal and where SB Loan operates - Submitting your own information truthfully and on your own behalf Use of the site by anyone not meeting these criteria is prohibited. ## Maintaining accurate profile information If you create an account, you are responsible for the confidentiality of your credentials and for all activity that takes place under your account. Notify us immediately at security@sbloan.net if you suspect unauthorized access. ## Permissible behavioral expectations You agree not to: - Submit false, misleading, or stolen personal information - Use the site or our APIs in any way that violates applicable law or regulation - Attempt to gain unauthorized access to any portion of the site or to any systems connected to it - Probe, scan, or test the vulnerability of any system or network without our written authorization - Use any automated means — bots, scrapers, crawlers, harvesters — except with our written permission - Use the site to harass, abuse, or harm another person, including our employees - Resell, sublicense, or commercially exploit any portion of the site without our written permission ## Ownership of content and trademarks The SB Loan name, the SB Loan logo, the site design, the editorial content, the cost index methodology, the comparison tools, and all other content on sbloan.net are the property of SB Loan Group, LLC or our licensors and are protected by U.S. and international intellectual-property laws. You may view, download, and print pages from the site for your personal, non-commercial use. Republication, redistribution, scraping, or use in derivative products requires our written permission. Quotation for journalistic or academic purposes is permitted with attribution. ## References to external destinations The site contains links to third-party websites including lender sites, regulator sites, and reference sources. Third-party sites are governed by their own terms and privacy policies. We are not responsible for the content, practices, or terms of any third-party site. ## Defined warranty exclusions THE SITE AND ALL CONTENT, INFORMATION, AND SERVICES ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE SITE WILL BE UNINTERRUPTED OR ERROR-FREE, THAT DEFECTS WILL BE CORRECTED, OR THAT THE SITE OR THE SERVERS THAT MAKE IT AVAILABLE ARE FREE OF VIRUSES OR HARMFUL COMPONENTS. NOTHING ON THE SITE CONSTITUTES LEGAL, TAX, ACCOUNTING, OR INDIVIDUAL FINANCIAL ADVICE. CONSULT A QUALIFIED PROFESSIONAL BEFORE MAKING DECISIONS THAT AFFECT YOUR FINANCIAL OR LEGAL POSITION. ## Parameters of financial responsibility TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, CASHLOOP HOLDINGS, LLC AND ITS OFFICERS, DIRECTORS, EMPLOYEES, AND AGENTS WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES — INCLUDING LOST PROFITS, LOST DATA, OR DAMAGES FOR THE COST OF PROCUREMENT OF SUBSTITUTE SERVICES — ARISING OUT OF OR IN CONNECTION WITH THE SITE OR THESE TERMS. OUR AGGREGATE LIABILITY UNDER THESE TERMS WILL NOT EXCEED $100. NOTHING IN THESE TERMS LIMITS LIABILITY THAT CANNOT BE EXCLUDED OR LIMITED UNDER APPLICABLE LAW. ## Requirement to hold us harmless You agree to indemnify and hold harmless SB Loan Group, LLC and its officers, directors, employees, and agents from any claim, loss, liability, or expense (including reasonable attorneys' fees) arising out of (a) your breach of these Terms, (b) your violation of any law or third-party right, or (c) information you provided to us that was false, inaccurate, or fraudulent. ## Procedures for settling controversies **Informal resolution first.** Before filing any formal action, you agree to notify us at legal@sbloan.net with a description of the dispute and the relief you are seeking. We will respond within 30 days. We commit to a good-faith effort to resolve disputes informally. **Arbitration.** The operator intends to include a binding individual arbitration provision in the production version of these Terms. The specific arbitration administrator, rules, seat, fee allocation, and any opt-out window will be set by outside counsel before launch. **Class-action waiver.** The operator may include a class-action waiver in the final Terms, subject to applicable law. ## Choice of forum and controlling law The governing-law and venue provisions of these Terms will be set by outside counsel before production launch. In the interim, claims arising out of your use of the site are governed by U.S. federal law and the law of the state of formation of SB Loan Group, LLC, without regard to its choice-of-law rules. The state of formation will be confirmed and published when the Terms exit preview. ## Separability of distinct provisions If any provision of these Terms is held to be invalid or unenforceable, that provision will be modified to the minimum extent necessary to make it valid and enforceable, or if it cannot be so modified, will be severed. The remaining provisions will continue in full force and effect. ## Revisions to these terms We may update these Terms from time to time. Material changes will be highlighted at the top of this page with a "Last updated" date. For changes that materially expand your obligations or limit your rights, we will provide direct notice (email to account-holders, 30 days in advance) before the change takes effect. ## Electronic contracting and communications By using the site you consent to receive communications from SB Loan electronically — including these Terms, our Privacy Policy, any disclosures required by law, and operational messages about your application — and you agree that those electronic communications satisfy any legal requirement that such communication be in writing. You may withdraw E-SIGN consent at any time by emailing privacy@sbloan.net; withdrawal of consent may prevent us from delivering certain features that depend on electronic delivery. To access and retain electronic communications, you need an internet-connected device with a modern browser, a working email address you can check regularly, and the ability to read PDF files. ## Interfacing with prospective funders When you choose to be matched with a lender, SB Loan transmits the information you provided to the lender's intake system. From that point forward, your relationship with the lender is governed by the lender's own terms, the lender's privacy notice, and the loan contract you sign with the lender (if any). The lender — not SB Loan — is responsible for any required disclosures under the Truth in Lending Act (TILA), the Equal Credit Opportunity Act (ECOA), the Military Lending Act (MLA), the Electronic Fund Transfer Act (EFTA), and applicable state lending law. SB Loan does not negotiate loan terms on your behalf, does not collect your loan payments, and does not modify the lender's loan after origination. If you have a dispute about a loan — interest rate, payment, collections conduct — you must direct it to the lender (and, if necessary, to the appropriate regulator such as the CFPB or your state regulator); SB Loan is not a party to that dispute. ## User feedback and expressed opinions Where the site displays testimonials, case studies, or third-party reviews, those are presented for informational purposes only. Testimonials are screened by SB Loan staff for plausibility and consistency but are not paid for and are not edited for content. Your individual experience may differ. Any specific loan term, APR, or fee cited in a testimonial reflects the reviewer's experience at a specific time and is not a representation that SB Loan, any lender, or any product will offer the same terms to you. ## Reaching our support staff Legal questions: legal@sbloan.net. Regulator inquiries: compliance@sbloan.net. Press: press@sbloan.net. Postal mail: SB Loan Group, LLC, Attn: Legal, [address placeholder]. If you are an attorney serving formal legal process on SB Loan, do not use the email addresses above; please use the registered agent listed for SB Loan Group, LLC in our state of formation (publication of which is pending the operator's confirmation, alongside the final governing-law and venue clauses). #### Related policies How we ensure our materials are trustworthy. [Editorial policy →](/editorial-policy/) [Our fact-checking steps →](/fact-checking-policy/) [Updates and corrections →](/corrections/) [Ownership disclosure →](/ownership-disclosure/) [Privacy policy →](/privacy/)