Terms of Use

1. Introduction

These Terms of Use (“Terms”) are a binding agreement between you and ALAMEDA HOME LOANS LLC (“Company,” “we,” “us,” or “our”) governing your use of the Alameda Loans mobile application, the website at alamedahomeloans.com, and related services (collectively, the “App” or “Services”).

Alameda Loans is a loan-matching and lead-generation platform. We are not a lender. We do not extend credit, make underwriting or approval decisions, set interest rates or fees, or guarantee that you will receive any loan or other financial product.

Our business model works like this: when you use the App, we collect personal and financial information from you, assemble it into a consumer lead, and sell or transfer that lead to third-party lenders, financial institutions, marketing partners, and data buyers. Those buyers may contact you with offers by phone, email, or text message.

By downloading, accessing, registering for, or using the App, you agree to these Terms and to our Privacy Policy, including the collection and sale of your information as described in both documents. If you do not agree, do not use the Services.

2. Loan terms: APR, repayment, and fees

The sections below describe terms that may apply to products offered by third-party lenders you encounter through the App. Alameda Loans does not set these terms; individual lenders disclose final terms before you accept an offer.

2a. APR range

Annual percentage rates (“APR”) for products presented through the App can vary widely. As an illustrative range only, APRs may fall between 5.99% and 35.99%, depending on creditworthiness, loan amount, repayment term, lender underwriting, product type, and applicable state law.

Short-term or payday-style products, where available, may carry higher effective APRs than longer-term installment loans. Your final APR is always disclosed by the lender in legally required documents before you accept an offer.

2b. Repayment terms

Repayment periods commonly range from 3 months to 60 months, depending on the product and lender. For example only: a $2,000 installment loan at 24% APR amortized over 12 months might require approximately $189 per month—your actual payment will differ based on lender calculations, fees, and rounding.

You will receive a full repayment schedule from the lender before you accept an offer.

2c. Payment frequency and methods

Depending on the lender and product, payments may be due weekly, biweekly, semi-monthly, or monthly. The typical payment method is ACH debit from the bank account you designate. You are responsible for maintaining sufficient funds on each due date. If a payment is returned, the lender may charge a returned-payment or NSF fee—often in an illustrative range of $15 to $35 per returned item, subject to state law and the lender’s agreement.

2d. Fees

Lenders may charge fees that can include, among others:

• Origination or administrative fees — often between 1% and 8% of the loan amount, sometimes financed into the principal
• Late payment fees — for example, $15–$30 or a percentage of the missed payment (such as 5%), whichever is less, where permitted by law
• NSF / returned payment fees — if ACH debits fail

All material fees should be disclosed before you accept an offer. Alameda Loans does not charge you a fee to download or use the App as a consumer; our revenue comes from selling leads (see Section 8).

2e. Early repayment

Many lenders permit early payoff without a prepayment penalty, but policies differ. Review your loan agreement to confirm whether early repayment saves interest or triggers a minimum finance charge.

2f. Cost disclosure (TILA)

Before you accept a loan from a lender, you should receive a Truth in Lending Act (TILA)-compliant disclosure showing the APR, finance charge, total of payments, payment schedule, and itemized fees. Do not accept an offer until you have reviewed those disclosures.

3. Eligibility and requirements

To use the App, you represent and warrant that you:

• Are at least 18 years old (or the age of majority in your state of residence)
• Are a lawful resident of the United States
• Have legal capacity to enter a binding contract
• Have a valid Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN)
• Maintain an active U.S. checking account
• Have a verifiable source of income
• Will use the App only for lawful, personal, non-commercial purposes

You agree to provide the following information accurately, completely, and truthfully when requested:

• Full legal name (first, middle, last)
• Date of birth
• Email address
• Phone number (mobile and/or home)
• Full residential address including street, city, state, and ZIP code
• Social Security Number (SSN)
• Driver’s license number and issuing state
• Bank account number (full account number)
• Bank routing number
• Bank name and account type (checking / savings)
• Employer name and employer phone number
• Employment status, job title, and monthly or annual gross income
• Source of income (employment, self-employment, benefits, other)
• Purpose of the loan or cash advance request

Submitting false, incomplete, or misleading information violates these Terms and may constitute fraud.

4. Express authorization to collect and sell data

Please read this section carefully. It explains your consent to our collection and sale of sensitive personal and financial information.

By submitting an application or other information through the App, you expressly authorize ALAMEDA HOME LOANS LLC to:

• Collect all categories of data described in Section 3 and in our Privacy Policy
• Sell, transfer, license, and disclose your personal and financial information—including your SSN, driver’s license number, full bank account number, routing number, employer phone number, income, and loan purpose—to third-party lenders, financial institutions, marketing companies, data aggregators, insurance providers, debt-relief companies, and other buyers
• Receive monetary compensation for those transfers, including per-lead fees, cost-per-lead (CPL), cost-per-acquisition (CPA), revenue share, referral fees, or other valuable consideration
• Allow buyers to contact you by phone, email, and SMS with offers for financial and other products, subject to applicable law and your opt-out rights in our Privacy Policy
• Share your information with identity verification vendors, fraud-prevention services, and consumer reporting agencies where permitted by law and as described in our Privacy Policy

You understand that once your data is sold, buyers may use it under their own privacy policies and that we cannot control or recall information already in a buyer’s possession.

You may opt out of future sales of your personal information by emailing legal@alamedahomeloans.com with the subject line “Do Not Sell My Information” or by using in-app controls where available. Opting out does not delete data previously sold.

5. What the App does and does not do

• We do: collect your information, create leads, sell leads to potential lenders and marketers, and display or route you to third-party offers
• We do not: issue loans, set rates, approve or deny credit, fund loans, service loans, or guarantee any offer

Any loan or credit agreement is solely between you and the lender. Alameda Loans is not a party to that agreement. Review each lender’s terms, privacy policy, and disclosures before accepting an offer.

6. Account creation and security

You must keep your account information current and accurate. You are responsible for all activity under your account and for safeguarding your device and login credentials. Notify us immediately at support@alamedahomeloans.com if you suspect unauthorized access.

We may verify your identity, request additional documentation, or suspend or terminate access if we suspect fraud, abuse, or violation of these Terms.

7. Electronic communications and E-Sign

You consent to receive communications electronically from us and, after your data is sold, from buyers who contact you. Communications may include emails, SMS (including one-time passwords), push notifications, and in-app messages.

You agree that electronic signatures and records have the same legal effect as handwritten signatures under the federal E-SIGN Act and applicable state law. See also our E-Consent Policy.

By authorizing the sale of your data under Section 4, you acknowledge that buyers may contact you by autodialed or prerecorded calls and SMS regarding financial products, subject to your right to opt out of marketing as described in our Privacy Policy. This contact authorization is a material term of these Terms.

To withdraw consent to electronic communications (other than communications we are legally required to provide), email support@alamedahomeloans.com. Withdrawal may limit your ability to use some features.

8. Fees and our compensation

The App is free for consumers to download and use. We earn revenue by selling consumer lead data. Compensation may take the form of per-lead fees, CPL, CPA, revenue share, marketing fees, or other arrangements with buyers.

Compensation may influence which partners receive your data, the order in which leads are sold, or how offers are ranked or displayed. This business model is disclosed in accordance with FTC endorsement guidelines and California’s broad definition of “sale” under the CCPA/CPRA. Details appear in our Privacy Policy.

9. Permitted use and prohibited activities

You agree not to:

• Use the App for unlawful, fraudulent, or misleading purposes
• Submit false, inaccurate, or fabricated personal or financial information
• Interfere with the App’s security, servers, or networks
• Use bots, scrapers, or automated tools without our prior written consent
• Upload viruses, malware, or harmful code
• Reverse engineer, decompile, or attempt to extract source code except as law permits
• Copy, reproduce, or distribute App content without permission
• Impersonate any person or entity or misrepresent your affiliation

10. Third-party sites and providers

Lenders, marketers, and other buyers operate independently. Their websites, applications, and practices are governed by their own terms and privacy policies. Alameda Loans is not responsible for third-party offers, rates, fees, approvals, denials, funding, collections, or any use of your data after sale.

We encourage you to read each recipient’s privacy policy before engaging with an offer or providing additional information.

11. Intellectual property

The App, including software, text, graphics, logos, and trademarks, is owned by ALAMEDA HOME LOANS LLC or our licensors and protected by intellectual property laws. We grant you a limited, revocable, non-exclusive, non-transferable license to use the App for personal, non-commercial purposes in accordance with these Terms. All other rights are reserved.

12. User feedback

If you submit ideas, suggestions, or feedback, you grant us a perpetual, irrevocable, worldwide, royalty-free license to use, reproduce, modify, and incorporate that feedback in any manner without compensation or attribution.

13. Disclaimers

THE APP AND ALL CONTENT ARE PROVIDED “AS IS” AND “AS AVAILABLE” WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED, OR STATUTORY. TO THE FULLEST EXTENT PERMITTED BY LAW, ALAMEDA HOME LOANS LLC DISCLAIMS ALL IMPLIED WARRANTIES, INCLUDING MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT.

WE ARE NOT A LENDER AND DO NOT GUARANTEE THAT YOU WILL RECEIVE ANY OFFER, RATE, OR LOAN AMOUNT. WE MAKE NO REPRESENTATION REGARDING THE ACCURACY, COMPLETENESS, OR SUITABILITY OF INFORMATION OR OFFERS PRESENTED BY THIRD-PARTY BUYERS. YOUR USE OF THE APP AND RELIANCE ON ANY INFORMATION IS AT YOUR SOLE RISK.

14. Limitation of liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, ALAMEDA HOME LOANS LLC 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 LOST PROFITS, LOST DATA, OR BUSINESS INTERRUPTION, ARISING OUT OF OR RELATED TO YOUR USE OF THE APP, THE SALE OF YOUR DATA, OR THE CONDUCT OF ANY THIRD-PARTY BUYER—EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

OUR TOTAL AGGREGATE LIABILITY FOR ALL CLAIMS ARISING OUT OF OR RELATING TO THE APP OR THESE TERMS SHALL NOT EXCEED ONE HUNDRED U.S. DOLLARS (USD $100).

SOME STATES DO NOT ALLOW CERTAIN LIMITATIONS OF LIABILITY; IN THOSE STATES, OUR LIABILITY IS LIMITED TO THE GREATEST EXTENT PERMITTED BY LAW.

15. Indemnification

You agree to defend, indemnify, and hold harmless ALAMEDA HOME LOANS LLC and its officers, directors, members, employees, and agents from any claims, damages, losses, liabilities, and expenses (including reasonable attorneys’ fees) arising out of: your use or misuse of the App; your violation of these Terms or applicable law; your submission of false or misleading information; or your infringement of any third-party rights.

16. Governing law and dispute resolution

16a. Governing law

These Terms are governed by the laws of the State of Colorado and applicable federal law, without regard to conflict-of-law principles that would require application of another state’s laws.

16b. Binding arbitration

Except as stated in Section 16d, any dispute arising out of or relating to these Terms or the App shall be resolved by binding individual arbitration administered under the Federal Arbitration Act and the rules of the American Arbitration Association (AAA) or another mutually agreed forum. The arbitrator may not consolidate claims or preside over any form of class or representative proceeding. You and Company each waive the right to a jury trial and to participate in a class action.

16c. Informal resolution

Before initiating arbitration, you agree to send a written description of the dispute to support@alamedahomeloans.com and allow 30 days for informal resolution.

16d. Exceptions

Either party may seek injunctive or equitable relief in a court of competent jurisdiction in Colorado for intellectual property infringement or unauthorized access to the App.

17. Service changes and availability

We may modify, suspend, or discontinue any feature of the App at any time, with or without notice. We do not guarantee uninterrupted or error-free operation.

18. Termination

We may suspend or terminate your access immediately if you violate these Terms, pose a security risk, or if we discontinue the App. Upon termination, your right to use the App ends. Sections that by their nature should survive—including intellectual property, disclaimers, limitation of liability, indemnification, and dispute resolution—will survive.

19. Changes to these Terms

We may update these Terms from time to time. When we do, we will revise the “Last updated” date above and, for material changes, provide notice through the App, by email, or by other permitted means. Your continued use after the effective date constitutes acceptance. If you do not agree, stop using the App.

20. Apple-related terms (iOS users)

If you downloaded the App from the Apple App Store, the following additional terms apply:

• These Terms are between you and ALAMEDA HOME LOANS LLC only—not Apple Inc. (“Apple”). Apple is not a party to these Terms and is not responsible for the App or its content.
• Apple has no obligation to furnish maintenance or support for the App.
• Apple is not responsible for product liability claims, regulatory compliance failures, or consumer protection claims relating to the App.
• ALAMEDA HOME LOANS LLC, not Apple, is solely responsible for addressing claims that the App infringes intellectual property rights.
• Apple and its subsidiaries are third-party beneficiaries of these Terms and may enforce them against you upon your acceptance.
• Your use of the App must comply with the Apple Media Services Terms and Conditions and applicable Usage Rules.

21. Contact us

ALAMEDA HOME LOANS LLC
3033 Oro Blanco Dr
Colorado Springs, CO 80917-3733
United States
Website: alamedahomeloans.com
Support: support@alamedahomeloans.com
Privacy requests: legal@alamedahomeloans.com
Privacy Policy: alamedahomeloans.com/privacy.html