Terms of Service

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1. Introduction

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:

  1. Acknowledge that you have read, understood, and agree to comply with these Terms;

  2. Consent to our Privacy Policy (which governs how we collect, use, and disclose your personal data); and

  3. 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.

2. Acceptance of Terms

2.1 Agreement to the Terms

By accessing, browsing, or using the Services, you:

2.2 Changes to These Terms

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.

2.3 Scope of the Agreement

These Terms apply to:

LendMesh reserves the right to:

  1. Terminate or restrict your access to the Services for violations of these Terms;

  2. Suspend or discontinue any part of the Services at its discretion without liability or prior notice;

  3. Modify the features, functionality, or availability of the Services at any time.

2.4 Use by Third Parties

If you are accessing the Services on behalf of an entity, organization, or business, you represent and warrant that you:

In such cases, all references to "you" or "your" in these Terms will refer to the entity you represent.

2.5 Consent to Electronic Communication

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.

2.6 Acknowledgement of Legal Risks and Responsibilities

You acknowledge that:

If you do not agree to these Terms or any future updates, you must immediately discontinue use of the Services.

3. Changes to Terms

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.

3.1 Notification of Changes

3.2 User Responsibility

3.3 Scope of Changes

Changes to these Terms may include, but are not limited to:

LendMesh reserves the right to:

  1. Update, modify, or discontinue all or part of the Services at any time without liability;

  2. 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.

4. Eligibility

4.1 Minimum Age Requirement

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:

  1. You are at least 18 years old or the legal age of majority in your jurisdiction; and

  2. You have the full legal capacity, right, and authority to enter into this legally binding agreement.

4.2 Entity Use

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:

  1. You are authorized to bind the Entity to these Terms;

  2. You have obtained all necessary consents and approvals from the Entity; and

  3. 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.

4.3 Prohibited Users

You may not access or use the Services if:

4.4 Compliance with Laws

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.

5. User Accounts

5.1 Account Registration and Accuracy

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:

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.


5.2 Account Security and Responsibility

You are solely responsible for:

You must notify LendMesh immediately if you:

  1. Suspect or become aware of any unauthorized use of your account.

  2. Detect any breach of security involving your account credentials.

  3. Believe your password has been compromised or disclosed.

You understand and agree that:


5.3 Restrictions on Account Use

You agree not to:

LendMesh reserves the right to:


5.4 Account Termination and Deletion

LendMesh may, at its sole discretion, suspend or terminate your User Account at any time, including if you:

You may request to delete your User Account at any time by contacting us at [Insert Contact Email]. Upon account deletion:

6. Use of Services

6.1 Lawful Use

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:

  1. Violate any local, state, federal, or international law, regulation, or rule.

  2. Exploit, harm, or attempt to harm minors, individuals, or entities in any way.

  3. Transmit, upload, or distribute material that is unlawful, harassing, abusive, fraudulent, obscene, or otherwise inappropriate.


6.2 Prohibited Activities

You agree not to:

  1. 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.

  2. Attempt Unauthorized Access:

    • Attempt to gain unauthorized access to the Services, other user accounts, computer systems, or networks connected to the Services through hacking, password mining, or any other means.
  3. Automated Access and Scraping:

    • Use robots, spiders, crawlers, scraping tools, or other automated devices to access, copy, or index any part of the Services without LendMesh's prior written consent.
  4. Reverse Engineering:

    • Attempt to reverse-engineer, decompile, disassemble, or otherwise extract the source code of the Services or any part thereof.
  5. 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.

  6. 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.


6.3 Monitoring and Enforcement

LendMesh reserves the right to:

Violations of this section may result in:

  1. Immediate suspension or termination of your access to the Services;

  2. Legal action, including claims for damages;

  3. Reporting of your conduct to law enforcement agencies or other authorities.


6.4 No Ownership Rights

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.


6.5 User Responsibility

You are responsible for:

7. Data Collection, Accuracy, and Responsibility

7.1 Data Collection and Use

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:

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.


7.2 Data Timeliness and Accuracy

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:

  1. Delayed Updates:

    • Updates or changes made to the original source websites (e.g., banks, credit unions, or lenders) may not be reflected immediately on LendMesh. This can result in delays and potential discrepancies.
  2. 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.

  3. 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.

7.3 Loan Eligibility and Approval Process

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:

LendMesh does not:

  1. Guarantee loan approval or specific loan terms.

  2. Participate in the loan application, evaluation, or approval process.

  3. 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.


7.4 Disclaimer of Liability for Data Accuracy

By using the Services, you understand and agree to the following:

  1. 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.

  2. User Verification:

    • You are solely responsible for verifying the accuracy of loan rates, terms, or any financial information by visiting the original source (e.g., the credit union, bank, or private lender's website) before making financial decisions.
  3. 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.

  4. Notification to Financial Institutions:

    • By using the Services, you acknowledge that financial institutions (e.g., banks and credit unions) are aware that publicly available data may be accessed and aggregated through automated tools, including scraping technologies.

7.5 Customer Responsibilities

As a user of LendMesh Services, you agree to:


7.6 Indemnification

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:

  1. Your reliance on any data or information displayed on the platform.

  2. Your failure to verify financial terms, rates, or information with the original source.

  3. Any claims made by banks, credit unions, or third parties regarding the use or aggregation of publicly available data.


7.7 No Fiduciary or Advisory Role

LendMesh acts solely as a neutral platform that aggregates and displays publicly available data for informational purposes.


7.8 Reservation of Rights

LendMesh reserves the right to:


7.9 Limitation of Liability

To the maximum extent permitted by law:

This limitation applies even if LendMesh has been advised of the possibility of such damages.


8. Intellectual Property Rights

8.1 Ownership of Intellectual Property

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:

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.


8.2 License to Use the Services

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:

  1. Access and use the Services and Content solely for your personal, non-commercial use.

  2. 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:

  1. Reproduce, Distribute, or Modify: Copy, distribute, reproduce, create derivative works, adapt, alter, or modify the Content or any part of the Services.

  2. Public Display or Performance: Publicly display, publicly perform, or broadcast any Content without prior written consent from LendMesh.

  3. Reverse Engineer or Exploit: Reverse-engineer, decompile, disassemble, or attempt to extract the source code or underlying technologies of the Services.

  4. Commercial Use: Use the Services or Content for commercial purposes, such as reselling, monetizing, or reproducing the Content for profit.

  5. 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.

  6. Remove Branding: Remove, alter, or obscure any copyright notices, trademarks, or other proprietary markings on the Content.

  7. Unauthorized Reposting: Republish or transmit any Content on other platforms, websites, or services without our express written authorization.


8.3 User Contributions

If you submit, post, or provide any feedback, reviews, suggestions, or other content (“User Contributions”) to LendMesh:

  1. 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.

  2. 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.

  3. LendMesh has the right, but not the obligation, to monitor, edit, or remove any User Contributions at its sole discretion.


8.4 Third-Party Content

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.


8.5 Trademarks

All trademarks, service marks, logos, and trade names displayed on the Services are the property of LendMesh or its licensors.


8.6 Consequences for Violations

Any unauthorized use of the Content, Services, or intellectual property:

  1. Constitutes a breach of these Terms;

  2. May violate applicable laws, including copyright, trademark, or trade secret laws;

  3. Will result in the immediate termination of your access to the Services;

  4. May subject you to legal liability, including claims for damages, injunctive relief, and attorney fees.

LendMesh reserves the right to:


8.7 Copyright Infringement Claims

If you believe that any content on the Services infringes your copyrights, please provide a detailed notice to LendMesh's Designated Copyright Agent at:

Your notice must include:

  1. A description of the copyrighted work you claim has been infringed.

  2. Identification of the material that is allegedly infringing.

  3. Contact information, including your name, address, telephone number, and email.

  4. A statement that you have a good-faith belief that the use of the material is unauthorized.

  5. A statement made under penalty of perjury that the information you have provided is accurate.


8.8 Reservation of Rights

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.

9. Disclaimers

9.1 General Disclaimer

The information, services, tools, and content provided on

LendMesh.com

(“

LendMesh

,” “

we

,” or “

our

”) are provided

“as is” and “as available”

without warranties of any kind, express or implied.

To the fullest extent permitted by law, LendMesh disclaims

all warranties

, including but not limited to:

  1. Accuracy and Reliability:

    • 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.

  2. Merchantability and Fitness for a Particular Purpose:

    • 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.

  3. Third-Party Platforms:

    • 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.

  4. Service Availability:

    • We do not guarantee uninterrupted, error-free, or secure access to the Services. LendMesh may temporarily suspend or restrict access for maintenance, updates, or unforeseen issues.

9.2 Financial Disclaimer

LendMesh

does not provide financial advice

and does not act as a lender, broker, or financial advisor.

Users should consult professional financial advisors

before making loan-related or financial decisions.


9.3 Third-Party Content and Services


9.4 User Responsibility

You acknowledge that:


10. Limitation of Liability

10.1 General Limitation

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:

  1. Indirect, Incidental, Special, or Consequential Damages:

    • Loss of profits, revenue, business opportunities, goodwill, or data.

    • Damages resulting from reliance on inaccurate or delayed loan information.

  2. Use or Inability to Use the Services:

    • Errors, omissions, service interruptions, system failures, or delays.
  3. Third-Party Actions:

    • Any acts, omissions, or errors by third-party financial institutions, including loan approvals, denials, rate changes, or product offerings.
  4. Unforeseeable Events:

    • Events beyond our reasonable control, such as system outages, cyber-attacks, government actions, or force majeure events.

10.2 Financial Institutions' Liability

LendMesh does not act on behalf of credit unions, banks, or lenders. Any decisions related to loan eligibility, terms, rates, or approvals are determined

solely

by third-party financial institutions. LendMesh shall not be liable for:


10.3 Total Liability Cap

To the maximum extent permitted by applicable law:

  1. General Liability Limit:

    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).

  1. Liability for Paid Services:

    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.

    Examples for Clarity:

    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.


10.4 Exceptions

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

permitted by law

.


10.5 User Indemnification

To the fullest extent permitted by law, you agree to

indemnify, defend, and hold harmless

LendMesh, its affiliates, officers, employees, agents, contractors, and licensors from and against any claims, damages, liabilities, losses, costs, and expenses (including reasonable attorney's fees) arising out of or in connection with:

  1. Your violation of these Terms;

  2. Your misuse of the Services;

  3. Your reliance on inaccurate or incomplete information provided through the Services;

  4. Your violation of any third party's rights, including intellectual property or privacy rights.