Terms of Service

Last Updated: March 25, 2026

1. About This Website

iShopOneLife Loans ("we," "us," or "our") operates this website as an independent advertising-supported lead generation and comparison service. We are not a lender, bank, credit union, or financial institution. We do not make lending decisions, set interest rates, or guarantee loan approval. We connect consumers with third-party lenders who may offer personal loan products.

2. Eligibility

By using this website, you represent and warrant that you:

• Are at least 20 years of age and no older than 65
• Are a legal resident of the United States (excluding New York)
• Are not active-duty military personnel or a dependent of active-duty military
• Have a regular source of income of at least $1,200 per month
• Have an active checking account in your name
• Are not employed by a government agency, military branch, or as a student, temporary worker, or unemployed

This service is not available to residents of New York. Military personnel, including active-duty members, reservists, and their dependents, are not eligible due to restrictions under the Military Lending Act (MLA).

3. No Guarantee of Loan Approval

Submitting your information through this website does not guarantee that you will be matched with a lender, approved for a loan, or offered any specific loan amount, interest rate, or terms. Loan availability, amounts, rates, and terms are determined solely by individual lenders based on their own underwriting criteria.

4. Advertising Disclosure

This website is compensated when you click links and submit your information to lenders in our network. This compensation may influence which offers appear on this site and how they are presented. We do not endorse any specific lender or loan product. Always review the full terms of any loan offer before accepting.

5. Consent to Be Contacted — TCPA

By submitting your information on this website, you provide your express written consent under the Telephone Consumer Protection Act (TCPA) to be contacted by iShopOneLife Loans and its network of lenders and marketing partners via:

• Automated telephone calls, including calls using an automatic telephone dialing system (ATDS)
• Pre-recorded or artificial voice messages
• Text messages (SMS/MMS)
• Email

This consent is not required as a condition of any purchase. You may opt out at any time by contacting us at [email protected] or by replying STOP to any text message.

6. Information Accuracy

You agree to provide accurate, current, and complete information when using this website. Submitting false, misleading, or fraudulent information is prohibited and may result in your request being rejected or legal action being taken.

7. Third-Party Lenders

When you are connected with a third-party lender, you will be subject to that lender's own terms of service, privacy policy, and lending agreement. We are not responsible for the actions, products, services, or content of any third-party lender. We encourage you to review all terms carefully before accepting any loan offer.

Third-party lenders may perform a hard credit inquiry as part of their application process, which may affect your credit score. This is separate from the soft inquiry (or no inquiry) associated with checking your options on this website.

8. Prohibited Uses

You agree not to use this website to:

• Submit false or fraudulent information
• Violate any applicable federal, state, or local law or regulation
• Infringe on the intellectual property rights of iShopOneLife Loans or any third party
• Transmit spam, malware, or any harmful code
• Scrape, crawl, or harvest data from this website without written permission

9. Intellectual Property

All content on this website, including text, graphics, logos, and design, is the property of iShopOneLife Loans or its content suppliers and is protected by applicable intellectual property laws. You may not reproduce, distribute, or create derivative works without our express written permission.

10. Disclaimer of Warranties

THIS WEBSITE AND ITS CONTENT ARE PROVIDED "AS IS" WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED. WE DO NOT WARRANT THAT THIS WEBSITE WILL BE UNINTERRUPTED, ERROR-FREE, OR FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS. WE MAKE NO WARRANTIES REGARDING THE ACCURACY, COMPLETENESS, OR SUITABILITY OF ANY INFORMATION ON THIS SITE.

11. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, ISHOPONELIFE LOANS SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING FROM YOUR USE OF THIS WEBSITE OR ANY LOAN PRODUCT OBTAINED THROUGH A THIRD-PARTY LENDER. OUR TOTAL LIABILITY TO YOU SHALL NOT EXCEED $100.

12. Indemnification

You agree to indemnify and hold harmless iShopOneLife Loans, its officers, directors, employees, and agents from any claims, damages, losses, or expenses (including reasonable attorneys' fees) arising from your use of this website, your violation of these Terms, or your submission of false or fraudulent information.

13. Governing Law

These Terms of Service are governed by the laws of the United States and the state in which iShopOneLife Loans operates, without regard to conflict of law principles. Any disputes shall be resolved in the applicable courts of that jurisdiction.

14. Changes to These Terms

We reserve the right to update these Terms of Service at any time. Changes will be posted on this page with an updated "Last Updated" date. Continued use of this website after changes are posted constitutes your acceptance of the updated Terms.

15. Contact Us

If you have questions about these Terms of Service, please contact us at:
Email: [email protected]
Website: iShopOneLife Loans