Legal Disclaimer

1. General nature of the Services

Alameda Loans is a loan matching and lead-generation platform. We help consumers discover and compare loan-related product information that may be offered by independent third-party lenders and financial service providers (“Lender Partners”). We are not a bank, credit union, mortgage lender, broker-dealer, investment adviser, or other entity that originates loans, extends credit, or makes credit decisions.

Nothing on the Services constitutes an offer to lend, a solicitation of an offer to borrow, a commitment to provide credit, or a guarantee that you will receive any particular loan amount, annual percentage rate (APR), term, fee structure, or funding outcome. Any formal offer, if available, comes only from a Lender Partner under that lender’s legally required disclosures and loan agreement.

2. Lender decisions; no guarantees

All credit decisions belong to Lender Partners, not to Company. Any approval, pre-qualification, pre-approval, denial, counteroffer, principal amount, APR, finance charge, repayment schedule, collateral requirement, funding method, funding timing, servicing, collections activity, or account status is determined solely by the applicable Lender Partner based on its underwriting policies, your creditworthiness, verification results, and applicable federal and state law.

We do not guarantee that you will qualify for any product, that you will receive the lowest available rate, that any particular Lender Partner will approve your request, or that funds will be disbursed within any specific timeframe. Listings, rankings, or order of presentation on the Services are not guarantees of approval, best terms, or lender willingness to extend credit.

3. Illustrative ranges (not offers)

From time to time, the Services may display illustrative ranges describing products that may appear in our partner network for some users, such as:

• Loan amounts from $50 to $5,000;
• Repayment terms from 70 days to 36 months; and
• APR from 4% to 35.55%.

These figures are provided for general informational and comparison purposes only. They describe what may be available from certain Lender Partners under certain circumstances—they are not offers, not guarantees, and not commitments to lend. Your actual terms may be higher or lower, or a product may be unavailable in your state or for your profile. Minimum and maximum amounts, term lengths, and APRs vary by Lender Partner, product type, credit profile, income, existing debt, and applicable law. State-specific rate caps and licensing requirements may further limit available terms.

For additional context and representative payment examples, see our Rates & Fees page. Only the Truth in Lending disclosures and loan agreement provided by a Lender Partner before you accept an offer control your legal obligations.

4. Pre-qualification vs. final approval

If the Services refer to “pre-qualification,” “matched offers,” “indicative rates,” or similar language, that means preliminary information based on data you provide and/or a soft credit inquiry that a Lender Partner may use to generate non-binding options. Pre-qualification is not final approval. A Lender Partner may perform additional verification, request documents, and conduct a hard credit inquiry before making a final decision. A hard inquiry may affect your credit score and remain on your credit report as permitted by law.

5. Funding timing

References to speed (for example, completing a questionnaire in a few minutes) relate to presenting or comparing information, not to cash disbursement. If a loan is approved and you accept a Lender Partner’s offer, funding timing depends on that lender’s processes, your bank’s processing schedule, weekends and holidays, and other factors outside our control. We do not represent that cash will be available on any particular day or within any particular number of hours.

6. Lead sales, compensation, and relationships with partners

Company operates a lead-generation business. When you submit information through the Services, we may package it into a consumer lead and sell or transfer that lead—including sensitive identifiers such as your Social Security number, driver’s license number, full bank account details, employer phone, income, and loan purpose—to third-party lenders, financial institutions, marketing companies, and data buyers. We receive compensation for those transfers, which may take the form of per-lead fees, cost-per-lead (CPL), cost-per-acquisition (CPA), revenue share, referral fees, or other valuable consideration.

Compensation arrangements may influence which partners receive your data, the order in which leads are sold, or how offers are presented on the Services. Compensation does not change a Lender Partner’s independent underwriting decision or the final terms in your loan agreement. Buyers may contact you by phone, email, or SMS with offers, subject to your opt-out rights described in our Privacy Policy.

Under the California Consumer Privacy Act (CCPA) as amended by the CPRA, certain disclosures of personal information to third parties for valuable consideration may be considered a “sale” or “sharing.” California residents may opt out of future sales as described in our Privacy Policy by emailing legal@alamedahomeloans.com with the subject line “Do Not Sell My Information.” Data already sold to buyers cannot be recalled from those recipients.

7. Third-party websites, lenders, and content

The Services may link to or integrate third-party websites, applications, forms, and tools operated by Lender Partners or others. We do not control and are not responsible for third-party content, availability, security practices, privacy policies, licensing status, or business practices. Your relationship with a Lender Partner is directly between you and that Lender Partner. You should review each lender’s disclosures, privacy notice, and loan documents before proceeding.

8. Not professional advice

Information provided through the Services is for general informational and educational purposes only. It does not constitute financial, legal, tax, investment, or credit counseling advice, and it is not tailored to your personal financial situation. You should consult qualified professionals before making borrowing decisions. Company employees and support channels can assist with questions about the Alameda Loans experience but cannot provide credit decisions or advice about a specific lender’s underwriting outcome.

9. Responsible borrowing

Borrow only what you can afford to repay. Late or missed payments may result in additional fees, negative credit reporting, and collection activity as permitted by your loan agreement and law. Taking new debt to pay existing debt may worsen your financial situation. If you are experiencing payment difficulty, contact your lender directly to discuss hardship options.

10. No government affiliation

Company is a private business and is not affiliated with, endorsed by, or acting on behalf of any federal, state, or local government agency. We are not “government-approved,” “government-backed,” FDIC-insured, or a substitute for public benefit programs unless expressly stated in writing with verifiable documentation.

11. Security representations

We use commercially reasonable safeguards designed to protect information transmitted through the Services. However, no method of electronic transmission or storage is completely secure. You are responsible for maintaining the confidentiality of your account credentials and for using secure devices and networks when accessing the Services.

12. Limitation of liability

To the fullest extent permitted by applicable law, Company and its officers, directors, members, employees, agents, and affiliates shall not be liable for any indirect, incidental, special, consequential, exemplary, or punitive damages, or for any loss of profits, revenue, data, or goodwill, arising out of or related to your use of—or inability to use—the Services or any third-party product, even if we have been advised of the possibility of such damages. Our aggregate liability for claims arising out of or relating to the Services shall not exceed the greater of (a) one hundred U.S. dollars ($100) or (b) the amount you paid directly to Company for access to the Services in the twelve (12) months preceding the event giving rise to the claim, if any.

Some jurisdictions do not allow certain limitations of liability; in those jurisdictions, our liability is limited to the maximum extent permitted by law.

13. Changes to this Disclaimer

We may update this Disclaimer from time to time. When we do, we will revise the effective date above and post the updated Disclaimer on this page. Material changes may also be communicated through the Services or by email where appropriate. Your continued use of the Services after the effective date constitutes acknowledgment of the revised Disclaimer.

14. Contact

Questions about this Disclaimer may be directed to:

ALAMEDA HOME LOANS LLC
3033 Oro Blanco Dr
Colorado Springs, CO 80917-3733
United States
Email: support@alamedahomeloans.com