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Welcome to LendMesh.com (hereinafter referred to as "LendMesh," "we," "our," or "us"). These Terms of Use ("Terms") constitute a legally binding agreement between you (the user, whether an individual or an entity) and LendMesh.com governing your access to and use of our website, applications, tools, content, and related services (collectively, the "Services").
By accessing, browsing, or using the Services in any manner, you agree to be bound by these Terms, including any additional guidelines, policies, or rules incorporated herein by reference. These Terms apply to all users of the Services, including but not limited to visitors, registered users, and anyone else who accesses or uses our Services.
PLEASE READ THESE TERMS CAREFULLY. By using our Services, you:
Acknowledge that you have read, understood, and agree to comply with these Terms;
Consent to our Privacy Policy (which governs how we collect, use, and disclose your personal data); and
Accept full responsibility for your actions while using our Services.
If you do not agree to any part of these Terms, you must immediately discontinue access to or use of the Services.
By accessing, browsing, or using the Services, you:
Confirm that you are at least 18 years of age (or the legal age of majority in your jurisdiction),
Represent and warrant that you have the legal capacity to enter into a binding agreement,
Acknowledge that these Terms are a legally binding contract between you and LendMesh,
Agree to comply with all applicable local, state, and federal laws and regulations regarding your use of the Services.
LendMesh reserves the right, at its sole discretion, to modify, update, or replace these Terms at any time without prior notice to you. Changes become effective immediately upon posting to the Services, and the "Last Updated" date at the top of these Terms will reflect the most recent version.
It is your responsibility to review these Terms periodically. Your continued use of the Services after changes are posted constitutes your acceptance of the updated Terms. If you do not agree to the revised Terms, you must immediately stop using the Services.
These Terms apply to:
The use of the LendMesh.com website and related tools, platforms, and features;
Any interactions you have with LendMesh through online channels, applications, email communications, or customer support;
All content, data, information, software, and materials provided by or accessed through the Services.
LendMesh reserves the right to:
Terminate or restrict your access to the Services for violations of these Terms;
Suspend or discontinue any part of the Services at its discretion without liability or prior notice;
Modify the features, functionality, or availability of the Services at any time.
If you are accessing the Services on behalf of an entity, organization, or business, you represent and warrant that you:
Have the legal authority to bind such entity to these Terms, and
Accept these Terms on behalf of the entity.
In such cases, all references to "you" or "your" in these Terms will refer to the entity you represent.
By accessing or using the Services, you consent to receive communications from us electronically, such as emails, notices, or updates, and agree that such communications satisfy any legal requirement that communications be in writing.
You acknowledge that:
Your use of LendMesh's Services, including loan-related comparisons, advice, or savings tools, is for informational purposes only and does not constitute financial advice or create any fiduciary relationship.
You are responsible for ensuring that any information or recommendations obtained through the Services meet your specific needs and circumstances.
LendMesh does not act as a lender, broker, or financial advisor and makes no guarantees regarding any third-party products, services, or rates.
If you do not agree to these Terms or any future updates, you must immediately discontinue use of the Services.
LendMesh.com ("LendMesh," "we," "our," or "us") reserves the right, at its sole discretion, to modify, amend, update, or replace these Terms of Use (the "Terms") at any time without prior notice.
Changes will be effective immediately upon posting the updated Terms to the Services with a revised “Last Updated” date at the top of the page.
LendMesh may, but is not obligated to, notify you of material changes to these Terms via email, platform notifications, or other reasonable means.
It is your sole responsibility to review these Terms periodically to stay informed of any updates or changes.
Your continued access to or use of the Services after changes have been posted constitutes your acceptance of the revised Terms.
If you do not agree with any modifications to these Terms, you must immediately stop using the Services.
Changes to these Terms may include, but are not limited to:
Modifications to the Services offered;
Updates to user obligations or permitted uses;
Changes in legal disclaimers, limitations of liability, or dispute resolution terms.
LendMesh reserves the right to:
Update, modify, or discontinue all or part of the Services at any time without liability;
Terminate or suspend access to the Services if you fail to comply with the most current version of the Terms.
Your Acceptance of Changes: If you access or use the Services after the revised Terms have been posted, you are legally bound to comply with the updated Terms.
The Services are intended solely for users who are 18 years of age or older. By accessing, registering for, or using the Services, you represent and warrant that:
You are at least 18 years old or the legal age of majority in your jurisdiction; and
You have the full legal capacity, right, and authority to enter into this legally binding agreement.
If you are accessing or using the Services on behalf of a company, organization, or legal entity (collectively, an “Entity”), you further represent and warrant that:
You are authorized to bind the Entity to these Terms;
You have obtained all necessary consents and approvals from the Entity; and
Your use of the Services complies with all applicable laws, regulations, and internal policies of the Entity.
Binding Agreement: If you use the Services on behalf of an Entity, all references to “you” and “your” in these Terms refer to both you as an individual and the Entity you represent.
You may not access or use the Services if:
You are under the age of 18;
You lack the legal capacity to enter into these Terms;
Your use of the Services violates any applicable law, rule, or regulation;
You have previously been banned, terminated, or suspended by LendMesh for violating these Terms.
You agree that you will comply with all applicable local, state, national, and international laws in accessing and using the Services. LendMesh reserves the right to verify your eligibility and compliance at any time.
Failure to Comply: If you provide false or misleading information regarding your age, authority, or eligibility, LendMesh reserves the right to terminate or suspend your access to the Services without notice or liability.
To access certain features of LendMesh.com (the “Services”), including personalized savings tools, loan rate notifications, and subscription features, you may be required to create and maintain an account (“User Account”).
By creating a User Account, you agree to:
Provide accurate, current, and complete information during the registration process, including your name, email address, phone number, loan/property details, and any other information requested by LendMesh.
Maintain and promptly update your account information to keep it accurate, complete, and current at all times.
Avoid providing false, fraudulent, or misleading information. You acknowledge that inaccurate or outdated information may result in the suspension or termination of your access to the Services.
LendMesh reserves the right to verify the accuracy of your information at any time, including requesting additional documentation to confirm your identity, age, or eligibility to use the Services. Failure to provide requested information may result in suspension or termination of your account.
You are solely responsible for:
Maintaining the confidentiality of your User Account credentials, including your username, password, and any other security details.
Ensuring that no unauthorized person gains access to your account.
Securing your devices (computers, phones, etc.) against unauthorized access.
You must notify LendMesh immediately if you:
Suspect or become aware of any unauthorized use of your account.
Detect any breach of security involving your account credentials.
Believe your password has been compromised or disclosed.
You understand and agree that:
You are responsible for all activities that occur under your User Account, whether or not you authorized the activity.
LendMesh is not liable for any loss or damage arising from your failure to protect your account credentials or notify us promptly of unauthorized access.
You may be held liable for losses incurred by LendMesh, its affiliates, partners, or other users due to any unauthorized activity on your account.
You agree not to:
Create or attempt to create an account using false identities, misleading information, or automated methods (e.g., bots).
Create an account on behalf of another person without their explicit consent.
Sell, transfer, or otherwise assign your User Account to any third party.
Access or attempt to access accounts that do not belong to you.
LendMesh reserves the right to:
Monitor user activity for fraudulent, abusive, or unauthorized behavior.
Terminate or suspend accounts that violate these Terms, or at our discretion, to protect the security of the Services and its users.
LendMesh may, at its sole discretion, suspend or terminate your User Account at any time, including if you:
Violate these Terms of Use;
Fail to provide accurate or updated information;
Engage in fraudulent, abusive, or unlawful activities on the Services.
You may request to delete your User Account at any time by contacting us at [Insert Contact Email]. Upon account deletion:
Your access to the Services will be revoked.
Certain information may be retained as necessary to comply with legal obligations, prevent fraud, or enforce these Terms.
You agree to use the LendMesh Services only for lawful purposes and in accordance with these Terms of Use.
You may not use the Services to:
Violate any local, state, federal, or international law, regulation, or rule.
Exploit, harm, or attempt to harm minors, individuals, or entities in any way.
Transmit, upload, or distribute material that is unlawful, harassing, abusive, fraudulent, obscene, or otherwise inappropriate.
You agree not to:
Disrupt or Interfere with the Services:
Use the Services in any manner that could disable, overburden, damage, or impair the Services or prevent other users from accessing them.
Introduce viruses, trojan horses, worms, logic bombs, or other malicious or technologically harmful materials.
Attempt Unauthorized Access:
Automated Access and Scraping:
Reverse Engineering:
Harmful Conduct:
Engage in activities that restrict or inhibit anyone else's use or enjoyment of the Services.
Post, share, or upload content that infringes upon the intellectual property rights or privacy of others.
Commercial Misuse:
Use the Services for any commercial purpose without express written permission from LendMesh.
Use the Services to promote or advertise products, services, or businesses that compete with LendMesh.
LendMesh reserves the right to:
Monitor your use of the Services to ensure compliance with these Terms;
Remove or block any content that violates these Terms or applicable laws;
Take any action we deem appropriate, including reporting unlawful activities to law enforcement authorities.
Violations of this section may result in:
Immediate suspension or termination of your access to the Services;
Legal action, including claims for damages;
Reporting of your conduct to law enforcement agencies or other authorities.
Your use of the Services does not grant you ownership of any part of the Services, including content, features, or tools. All rights, titles, and interests in and to the Services remain with LendMesh and its licensors.
You are responsible for:
Ensuring your use of the Services complies with these Terms and all applicable laws;
Any harm, liability, or damage caused by your actions or violations of these Terms;
Ensuring that any devices you use to access the Services are protected from unauthorized use or malware.
LendMesh.com (“LendMesh,” “we,” or “our”) collects publicly available information from credit unions, banks, private lenders, and other third-party sources using advanced AI (Artificial Intelligence) and ML (Machine Learning) technologies. This information includes, but is not limited to:
Interest rates, loan terms, fees, and other publicly advertised financial information.
Product details and general updates from publicly accessible websites or feeds.
Our use of AI/ML tools allows us to aggregate and display loan-related data efficiently for the benefit of our customers. However, due to the nature of these technologies and the reliance on third-party data, the following disclaimers and limitations apply.
LendMesh makes every reasonable effort to ensure the timeliness, completeness, and accuracy of the data displayed on our platform. However, you acknowledge and agree that:
Delayed Updates:
AI/ML Limitations:
While we use sophisticated AI/ML algorithms to collect and process data, such systems may not always achieve 100% accuracy due to technical, human, or source-based factors.
Errors, omissions, or inaccuracies may occur as part of automated data collection, classification, and processing.
Third-Party Sources:
The information provided on LendMesh is based on publicly available data. LendMesh does not create, endorse, or verify the accuracy, legality, or reliability of such data.
Financial institutions, including banks, credit unions, and private lenders, may modify their data without prior notice to LendMesh, and we do not guarantee that all changes are captured in real time.
LendMesh acts solely as an information aggregator and does not participate in, influence, or control the loan eligibility or approval process. Loan approval decisions are made exclusively by the financial institutions (e.g., banks, credit unions, or private lenders) based on their internal policies, market conditions, and applicable government regulations.
Factors considered by these institutions may include, but are not limited to:
Credit Score: Your current credit rating as determined by credit reporting agencies.
Purpose of Loan Usage: The intended use of the loan (e.g., home purchase, refinancing, or personal loan).
Income Sources: Verification of your income, employment status, and ability to repay the loan.
Past Payment Records: Your repayment history, including defaults or late payments.
Market Conditions: Current interest rates, financial trends, and lender-specific policies.
Government Policies: Compliance with applicable federal, state, or regulatory guidelines that may affect loan offerings or approvals.
LendMesh does not:
Guarantee loan approval or specific loan terms.
Participate in the loan application, evaluation, or approval process.
Have any control or influence over decisions made by financial institutions.
You acknowledge and agree that any loan approval, denial, or related decision is the sole responsibility of the financial institution with whom you apply. LendMesh shall not be held liable for any loan-related outcomes, including but not limited to denied applications, rate changes, or unfavorable loan terms.
By using the Services, you understand and agree to the following:
No Guarantees:
LendMesh does not warrant or guarantee the accuracy, completeness, reliability, or suitability of any data or content presented on the platform.
All information displayed on LendMesh is provided “as is” and “as available” without any warranties, either express or implied.
User Verification:
No Liability:
LendMesh shall not be held liable for any errors, inaccuracies, delays, or omissions in the data displayed on the platform, nor for any decisions, losses, or damages arising from reliance on such data.
This includes any discrepancies between the information displayed on LendMesh and the official data published by banks, credit unions, or lenders.
Notification to Financial Institutions:
As a user of LendMesh Services, you agree to:
Treat all information displayed on the platform as informational only and not as financial advice.
Verify all financial terms, interest rates, fees, and product details directly with the relevant financial institution or lender.
Use the Services at your own risk, understanding that inaccuracies or delays may occur.
To the fullest extent permitted by law, you agree to defend, indemnify, and hold harmless LendMesh, its affiliates, officers, directors, employees, and agents from and against any and all claims, liabilities, damages, losses, costs, or expenses (including reasonable attorneys' fees) arising out of or in connection with:
Your reliance on any data or information displayed on the platform.
Your failure to verify financial terms, rates, or information with the original source.
Any claims made by banks, credit unions, or third parties regarding the use or aggregation of publicly available data.
LendMesh acts solely as a neutral platform that aggregates and displays publicly available data for informational purposes.
LendMesh does not act as a lender, broker, financial advisor, or fiduciary for any customer or financial institution.
Any decisions made based on data displayed on the platform are entirely at your own risk, and you agree that LendMesh holds no responsibility or liability for such decisions.
LendMesh reserves the right to:
Update or modify data displayed on the platform without prior notice.
Remove, correct, or adjust any data that is inaccurate, incomplete, or outdated, as determined at LendMesh's sole discretion.
Suspend or restrict access to the Services for any user or entity that misuses the platform or relies on data inappropriately.
To the maximum extent permitted by law:
LendMesh, its affiliates, officers, directors, employees, and agents shall not be liable for any direct, indirect, incidental, consequential, special, or punitive damages arising out of or related to the:
Use or inability to use the Services;
Delays, inaccuracies, or errors in publicly available data;
Actions or omissions of third-party banks, credit unions, or lenders.
This limitation applies even if LendMesh has been advised of the possibility of such damages.
The Services, including but not limited to their entire contents, features, and functionality (collectively, the "Content"), are the sole and exclusive property of LendMesh.com ("LendMesh," "we," or "our"), its licensors, or other third-party providers of such material. The Content includes, without limitation:
Information and Data: All aggregated financial data, public rates, loan information, and other publicly collected materials displayed on the Services.
Software and Technology: Code, algorithms, APIs, AI/ML systems, and tools used to operate the platform.
Visual and Textual Content: Text, graphics, images, designs, user interfaces, videos, audio, displays, selection, arrangement, and overall design.
Branding and Marks: Trademarks, service marks, logos, product names, domain names, and trade dress associated with LendMesh.
The Content is protected by United States and international laws, including but not limited to copyright, trademark, patent, and trade secret laws, as well as other intellectual property and proprietary rights regulations. All rights not expressly granted herein are reserved by LendMesh.
Subject to your compliance with these Terms of Use, LendMesh hereby grants you a limited, non-exclusive, non-transferable, non-sublicensable, and revocable license to:
Access and use the Services and Content solely for your personal, non-commercial use.
Download or temporarily store materials displayed on the Services for your personal viewing only (e.g., saving interest rate information for private evaluation).
Restrictions: Except as expressly permitted under these Terms, you must not:
Reproduce, Distribute, or Modify: Copy, distribute, reproduce, create derivative works, adapt, alter, or modify the Content or any part of the Services.
Public Display or Performance: Publicly display, publicly perform, or broadcast any Content without prior written consent from LendMesh.
Reverse Engineer or Exploit: Reverse-engineer, decompile, disassemble, or attempt to extract the source code or underlying technologies of the Services.
Commercial Use: Use the Services or Content for commercial purposes, such as reselling, monetizing, or reproducing the Content for profit.
Automated Access: Use robots, crawlers, spiders, scraping tools, or other automated methods to access, collect, or download Content from the Services without our prior written approval.
Remove Branding: Remove, alter, or obscure any copyright notices, trademarks, or other proprietary markings on the Content.
Unauthorized Reposting: Republish or transmit any Content on other platforms, websites, or services without our express written authorization.
If you submit, post, or provide any feedback, reviews, suggestions, or other content (“User Contributions”) to LendMesh:
You grant LendMesh a non-exclusive, worldwide, royalty-free, fully paid-up, irrevocable, and sublicensable license to use, reproduce, modify, display, distribute, and otherwise exploit such User Contributions for any lawful purpose, including improving our Services.
You represent and warrant that you own or have the legal right to submit the User Contributions, and they do not infringe upon any third-party rights.
LendMesh has the right, but not the obligation, to monitor, edit, or remove any User Contributions at its sole discretion.
Certain materials or services provided through the platform may be licensed from third parties. Any use of third-party content is subject to their respective license terms, and LendMesh disclaims all responsibility for misuse of such third-party materials.
All trademarks, service marks, logos, and trade names displayed on the Services are the property of LendMesh or its licensors.
You are prohibited from using LendMesh's trademarks or branding materials without prior written permission.
Unauthorized use of any trademarks or logos constitutes a violation of intellectual property rights and is subject to legal enforcement.
Any unauthorized use of the Content, Services, or intellectual property:
Constitutes a breach of these Terms;
May violate applicable laws, including copyright, trademark, or trade secret laws;
Will result in the immediate termination of your access to the Services;
May subject you to legal liability, including claims for damages, injunctive relief, and attorney fees.
LendMesh reserves the right to:
Investigate violations of intellectual property rights or these Terms.
Take legal action, including reporting violations to law enforcement authorities or seeking injunctive relief.
If you believe that any content on the Services infringes your copyrights, please provide a detailed notice to LendMesh's Designated Copyright Agent at:
Email: [Insert Email Address]
Mailing Address: [Insert Mailing Address]
Your notice must include:
A description of the copyrighted work you claim has been infringed.
Identification of the material that is allegedly infringing.
Contact information, including your name, address, telephone number, and email.
A statement that you have a good-faith belief that the use of the material is unauthorized.
A statement made under penalty of perjury that the information you have provided is accurate.
LendMesh retains all rights, title, and interest in and to the Services, Content, and intellectual property. Nothing in these Terms grants you any right, title, or interest in or to the Services or Content except the limited license explicitly granted herein.
The information, services, tools, and content provided on
To the fullest extent permitted by law, LendMesh disclaims
We do not warrant the accuracy, completeness, reliability, timeliness, or suitability of the information displayed, including rates, loan terms, fees, and financial product details.
Data presented on the Services may include errors, omissions, delays, or inaccuracies resulting from public source updates, AI/ML processing limitations, or human errors.
LendMesh makes no representation that the Services are fit for your specific needs or financial goals.
You are solely responsible for verifying loan terms, eligibility, and suitability directly with financial institutions.
LendMesh relies on publicly available information and does not control, monitor, or endorse third-party websites, services, or products (e.g., banks, credit unions, private lenders).
Your interactions with third-party providers are solely between you and the provider.
LendMesh
The Services may contain links, references, or integrations with third-party content, websites, tools, or services.
LendMesh does
You acknowledge and agree that use of third-party services is at your
You acknowledge that:
To the maximum extent permitted by applicable law, in no event shall LendMesh, its affiliates, directors, officers, employees, contractors, agents, licensors, or service providers be liable for:
Loss of profits, revenue, business opportunities, goodwill, or data.
Damages resulting from reliance on inaccurate or delayed loan information.
LendMesh does not act on behalf of credit unions, banks, or lenders. Any decisions related to loan eligibility, terms, rates, or approvals are determined
Denied loan applications;
Changes in interest rates, terms, or product availability;
Errors in credit assessments, eligibility checks, or payment calculations performed by financial institutions.
LendMesh's total aggregate liability to you, whether arising in contract, tort (including negligence), strict liability, or otherwise, for any claim, damages, losses, or liabilities arising out of or relating to the Services, these Terms, or any associated content shall be limited as follows:
If you have not paid any fees to access or use the Services, LendMesh's total liability shall be strictly zero dollars ($0).
If you have subscribed to or paid for any LendMesh Services:
LendMesh's total aggregate liability for claims related to such paid Services shall not exceed the total amount you have paid for the Services in the 12 months immediately preceding the claim.
If you have paid for a shorter period (e.g., one month), LendMesh's liability shall be capped at the actual amount paid for that specific period of service.
If you paid for 1 month of service, LendMesh's maximum liability shall be the amount you paid for that one month.
If you paid for a 12-month subscription, LendMesh's total liability shall be capped at the total subscription amount paid for that year.
Some jurisdictions do not allow limitations of liability for certain types of damages. In such cases, LendMesh's liability shall be limited to the maximum extent
To the fullest extent permitted by law, you agree to
Your violation of these Terms;
Your misuse of the Services;
Your reliance on inaccurate or incomplete information provided through the Services;
Your violation of any third party's rights, including intellectual property or privacy rights.