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<form role="search" method="get" class="search-form form-inline" action="https://www.lendingtree.com/index.php">
  <label class="form-group" role="presentation">
    <span class="lt4-Search"></span>
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</form>

GET https://www.lendingtree.com/index.php

<form role="search" method="get" class="search-form form-inline" action="https://www.lendingtree.com/index.php">
  <label class="form-group" role="presentation">
    <span class="lt4-Search"></span>
    <input type="search" class="search-field form-control" placeholder="Search LendingTree" value="" name="s" autocomplete="off" aria-label="Search LendingTree" aria-invalid="false" aria-describedby="search-error">
    <button type="reset" class="clear-search" aria-label="Clear Search" style="display: none;"></button>
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</form>

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TERMS OF USE AGREEMENT

Last Updated: January 1, 2020

Terms of Use Agreement

You are visiting a website owned by LendingTree, LLC. By using this website, you
are entering into a legal agreement to abide by the terms of use you see here,
and you are agreeing that you have read and fully understand these terms of use.

This Terms of Use Agreement (“Agreement”) applies to the websites operated by
LendingTree, LLC and any of its affiliates and subsidiaries (“Websites” or each
individually “Website”) on which this Agreement is displayed. This Agreement
also applies to your use of any goods, facilities or services offered through
the Websites (collectively “Services”), regardless of how they are accessed. By
accessing, browsing, or using the Websites, you acknowledge that you understand,
accept and agree to be bound by this Agreement, as well as our Privacy Policy,
which is incorporated into this Agreement by reference. You agree that, to the
fullest extent required by the law of any state, you have been provided with,
have received, and are agreeing to all disclosure and consent requirements.
Certain Services may include additional terms; by agreeing to proceed with any
such Services you acknowledge that you have read, understand, and agree to be
bound by any additional terms displayed or referenced that apply to that
Service.

 * For purposes of this Agreement, “you” or “your” means the person(s) using the
   Websites and/or the Services, and any person(s) for whom such person(s) are
   acting as an agent with respect to the Websites and/or the Services.
 * “LendingTree”, “us” or “we” includes LendingTree, LLC and any of its
   affiliates or subsidiaries.
 * “Loan” includes, but may not be limited to, any of the credit and related
   products and services which you inquire about by using the LendingTree
   websites.
 * “Provider(s)” includes, but may not be limited to, the banks, lenders,
   financial institutions, insurers, service providers, real estate companies,
   dealers, agents, brokers and other entities offering products and services
   through LendingTree’s Websites.
 * “Qualification Form” refers to your request to be matched with providers of
   any of the products and services that you may be connected to through
   LendingTree’s Websites.

We are licensed as set forth in the Licenses and Disclosures section, which is
incorporated into this Agreement by reference.

We reserve the right, at our sole discretion, to change or modify the Websites
or this Agreement (or any portion thereof) at any time. Such changes and
modifications become effective immediately upon posting on the Websites. You
agree to review this Agreement for any such changes upon your use of the
Websites and that your continued use of the Websites or Services constitutes
your acceptance of such changes and modifications. The Websites are intended for
individuals who are at least 18 years of age and are accessing the internet from
a physical location within the United States of America. By using or accessing
the Websites, you acknowledge that you are 18 years of age or older and are
accessing the internet from a physical location within the United States of
America.

Privacy Policy

Our Privacy Policy, hereby incorporated by reference into this Agreement,
explains how We collect, protect, share, and use your information as part of our
technology platforms, and all of our products and services.

Consumer Information Security Policy

Our Consumer Information Security Policy, hereby incorporated by reference into
this Agreement, explains the measures we take to protect your information and
descriptions of ways we implement these measures for different types of
information you may provide to us.

Electronic Communications/Notices and Information Delivered Electronically

Our Consent Agreement for Electronic Disclosures and Communications, hereby
incorporated by reference into this Agreement, explains your agreement to
receive all current and future notices, disclosures, communications and
information, and to do business electronically with us and our Providers. Your
continued use of this site is evidence of your acceptance and agreement to be
bound by this Agreement.

Copyright, Trademark and Service Mark Notices

All text, graphics, photographs, videos, sound, trademarks, logos, artwork,
interfaces and computer code, including but not limited to the design,
coordination, “look and feel” and arrangement of elements contained on the
Websites (collectively “Content”) is owned or licensed by or to LendingTree. The
Content is protected by trademark, copyright, and patent laws, and other
intellectual property rights and unfair competition laws. Except as expressly
stated herein, no part of the Websites or Content may be copied, reproduced,
republished, uploaded, posted, publicly displayed, encoded, transmitted or
distributed in any way, including the use of framing or mirrors, to any other
computer, server, website or other medium for publication or distribution or for
any commercial enterprise, without LendingTree’s prior written permission.
Nothing on the Websites should be construed as granting any license or right to
use any Content.

Disclaimers and Liability

THE WEBSITES, CONTENT AND SERVICES ARE PROVIDED FOR USE “AS IS” WITHOUT WARRANTY
OF ANY KIND. LENDINGTREE DOES NOT WARRANT THAT THE WEBSITES, CONTENT OR SERVICES
WILL BE ACCURATE, ERROR-FREE OR UNINTERRUPTED. LENDINGTREE DOES NOT WARRANT THAT
THE WEBSITES, CONTENT OR SERVICES WILL PROVIDE SPECIFIC RESULTS.

TO THE MAXIMUM EXTENT NOT PROHIBITED BY LAW:

 * UNDER NO CIRCUMSTANCES WILL LENDINGTREE BE LIABLE FOR ANY DAMAGES WHATSOEVER
   ARISING OUT OF YOUR RELIANCE ON OR USE OF THE WEBSITES, CONTENT, SERVICES OR
   OTHER ITEMS LOCATED ON THE WEBSITES.
 * LENDINGTREE DISCLAIMS ALL WARRANTIES OF ANY KIND, WHETHER STATUTORY, EXPRESS
   OR IMPLIED, INCLUDING, WITHOUT LIMITATION, IMPLIED WARRANTIES OF
   MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE.

ADDITIONALLY, THE INCLUSION OR OFFERING OF ANY PRODUCTS OR SERVICES ON THE
WEBSITES DOES NOT CONSTITUTE ANY ENDORSEMENT OR RECOMMENDATION OF SUCH PRODUCTS
OR SERVICES BY US. ALL SUCH INFORMATION, PRODUCTS AND SERVICES ARE PROVIDED “AS
IS” WITHOUT WARRANTY OF ANY KIND.

Indemnity

You agree to indemnify, defend and hold harmless LendingTree and its officers,
directors, shareholders, predecessors, successors-in-interest, licensors,
employees, agents, subsidiaries and affiliates (“Lending Tree Parties”), from
and against any and all claims, losses, liabilities, expenses (including
attorneys’ fees and costs) and damages arising out of or relating to your use of
the Websites or Services, your violation of any third-party right or law, or
your violation or alleged violation of this Agreement. You must not settle any
such claim or matter without the prior written consent of LendingTree. The
LendingTree Parties reserve the right, at their own expense, to assume the
exclusive defense and control of any matter subject to indemnification by you,
and you further agree that you will cooperate fully in the defense of any such
claims.

Limitation on Damages

LENDINGTREE’S LIABILITY, IF ANY, SHALL BE LIMITED TO DIRECT AND FORESEEABLE
DAMAGES, WHICH SHALL NOT EXCEED THE AMOUNT PROVIDED BELOW. UNDER NO
CIRCUMSTANCES SHALL LENDINGTREE BE LIABLE FOR INDIRECT, INCIDENTAL,
CONSEQUENTIAL, SPECIAL, STATUTORY, PUNITIVE OR EXEMPLARY DAMAGES SUCH AS, BUT
NOT LIMITED TO, LOSS OF REVENUE OR ANTICIPATED PROFITS OR LOST BUSINESS, LOSS OF
OR DAMAGE TO DATA, OR EMOTIONAL DISTRESS NOTWITHSTANDING ANY OTHER PROVISION OF
THIS AGREEMENT, IN NO EVENT SHALL LENDINGTREE’S TOTAL LIABILITY EXCEED U.S.
$100.00. THESE LIMITATIONS AND EXCLUSIONS APPLY EVEN IF THIS REMEDY DOES NOT
FULLY COMPENSATE YOU FOR ANY LOSSES OR FAILS OF ITS ESSENTIAL PURPOSE OR IF WE
KNEW OR SHOULD HAVE KNOWN ABOUT THE POSSIBILITY OF THE DAMAGES. TO THE MAXIMUM
EXTENT PERMITTED BY LAW, THESE LIMITATIONS AND EXCLUSIONS APPLY TO ANY CLAIMS
RELATED TO THIS AGREEMENT OR TO THE SERVICES.

Links to Third Party Websites

The Websites may contain links to websites maintained by third parties. Such
links are provided for your convenience and reference only. We do not operate or
control in any respect any information, software, products or services available
on non-affiliated third-party websites. Our inclusion of a link to a website
does not imply any endorsement of the services or the website, its contents, or
its sponsoring organization. Your use of any such third-party websites may be
subject to other terms and conditions imposed by the third parties maintaining
those websites. When you leave the Websites, you agree that We are not
responsible for the accuracy or content of the information provided by that
website, nor is it liable for any direct or indirect technical or system issues
arising out of your access to or use of third-party technologies or programs
available through that website.

Errors and Delays

You agree that LendingTree is not responsible for any errors or delays in
responding to a request or referral form caused by, including but not limited
to, an incorrect email address or other information provided by you or other
technical problems beyond our reasonable control.

Dispute Resolution, Governing Law, Waivers and Limitations

YOU AGREE THAT ANY DISPUTE BETWEEN YOU AND US, INCLUDING WITHOUT LIMITATION
DISPUTES RELATING TO THE WEBSITES, CONTENT OR SERVICES (“DISPUTE”), SHALL BE
FINALLY AND EXCLUSIVELY RESOLVED BY BINDING INDIVIDUAL ARBITRATION ADMINISTERED
BY THE AMERICAN ARBITRATION ASSOCIATION (“AAA”) IN ACCORDANCE WITH ITS CONSUMER
ARBITRATION RULES. DISPUTES WILL BE ARBITRATED AT A HEARING CONDUCTED IN
CHARLOTTE, NORTH CAROLINA; THE ARBITRATOR(S) SHALL HAVE NO AUTHORITY TO DEVIATE
FROM THE LAW, AND THE ARBITRATOR(S) SHALL MAKE ALL REASONABLE EFFORTS TO
EXPEDITE THE ARBITRATION PROCEEDINGS AND TO LIMIT DISCOVERY. THIS MEANS THAT YOU
WILL NOT BE ABLE TO LITIGATE ANY SUCH DISPUTE IN COURT, AND THAT YOU AGREE TO
WAIVE YOUR RIGHT TO A JURY TRIAL. YOU AGREE THAT ANY DISPUTE WILL BE GOVERNED BY
THE LAWS OF THE STATE OF NORTH CAROLINA WITHOUT REGARD TO ANY CONFLICTS OF LAWS
PROVISIONS. IF ANY MATTER PROCEEDS IN COURT, INCLUDING POST-ARBITRATION
CONFIRMATION PROCEEDINGS, YOU AGREE TO THE EXCLUSIVE PERSONAL JURISDICTION BY,
AND VENUE IN, THE STATE AND FEDERAL COURTS LOCATED IN MECKLENBURG COUNTY, NORTH
CAROLINA, AND WAIVE ANY OBJECTION TO SUCH JURISDICTION OR VENUE.

You agree that no arbitration under this agreement shall be joined to an
arbitration involving any other party subject to this agreement. Arbitration
must be on an individual basis. You may not join or consolidate claims in
arbitration or litigate in court or arbitrate any claims as a representative or
member of a class or in a private attorney general capacity.

You agree that any dispute or disagreement regarding the enforceability,
applicability or interpretation of any provision of this Agreement, including
the provisions regarding dispute resolution and arbitration, is a Dispute
subject to the arbitration provisions herein and shall be resolved by an
arbitrator.

You also agree that any dispute or cause of action arising out of or related to
the Websites, Services or Content must be commenced within one year from the
later of (1) when the dispute or cause of action accrues or, (2) through the
exercise of reasonable diligence you should have known about the accrual of the
cause of action. Otherwise, such cause of action is permanently barred.

This Agreement (including all referenced or incorporated policies, agreements
and other provisions) constitutes the entire agreement between you and
LendingTree and supersedes all prior or contemporaneous oral or written
agreements or other communications between the parties with respect to the
subject matter hereof. If a conflict between the language of this Terms of Use
Agreement and the language of any terms incorporated by reference, the latter
incorporated terms shall control.

You acknowledge and agree that, in entering into this Agreement, you are not
relying on any representation, warranty, statement or promise, express or
implied, not explicitly set forth in this Agreement, and you hereby waive any
claimed reliance on same. If any provision of this Agreement shall be found to
be invalid or unenforceable, you agree such provision shall, to the maximum
extent feasible, be modified by to render it enforceable with respect to the
Dispute at issue and to reflect to the maximum extent possible the intent of the
existing language of the provision when considered in the context of this
Agreement as a whole, that such modified provision shall be enforced with
respect to the underlying claims in the Dispute at issue, and that such a
finding of invalidity or unenforceability shall not affect the validity or
enforceability of this Agreement as a whole or of any other provision of this
Agreement.

Terms Applicable to All Services

We provide educational content and operate online marketplaces that enable
consumers to comparison shop on LendingTree’s Websites for financial products
and services offered by LendingTree’s network of Providers.

By submitting any Qualification Form containing your electronic signature
through a LendingTree Website, and separately for each such request you submit,
you are indicating that you desire to be contacted by Providers, and you are
providing express written consent that LendingTree, a third party on
LendingTree’s behalf, and LendingTree’s Network Partners with whom you are
matched, may deliver calls or text messages to you, including for marketing
purposes, using an automatic telephone dialing system or an artificial or
prerecorded voice to the phone number you have provided. You understand that you
are providing this consent to receive such telephone calls even if your
telephone number is currently listed on any federal, state, local, internal, or
corporate Do-Not-Call (“DNC”) Lists. You understand that you are not required to
consent to receive these communications as a condition of using LendingTree’s
services.

You consent to receive email from LendingTree, its affiliates, and its Providers
at the email address you provided or at other addresses that may be associated
with you that we receive from Providers or other parties. You hereby consent to
any such email, so it will not be considered spam or unauthorized by any local,
state or federal law or regulation. You agree that the consents described herein
shall remain valid and in effect until you revoke them by opting out as
described below.

You may opt out of receiving calls from LendingTree at any time by engaging in
any of the following reasonable means: (1) emailing privacy@lendingtree.com to
expressly state in writing that you no longer wish to be contacted by
LendingTree and are revoking your consent to be contacted; (2) notifying a
LendingTree customer service representative that you no longer wish to be
contacted by LendingTree and are revoking your consent to be contacted; or (3)
Responding to any SMS, mobile, or text message you receive from LendingTree in
accordance with the express written instructions of that particular messaging
program. At any time, you may update your preferred method of contact by calling
1-888-272-1355. You agree to notify any particular Provider directly if you no
longer want to receive communications from them. You further agree that
LendingTree is not responsible for a Provider’s failure to follow your or our
instructions to stop contacting you.

LendingTree is not a lender or a creditor. LendingTree is not an agent of either
you or any Provider. Except as otherwise provided for in your state (please see
the Licenses section of the Websites), LendingTree is not acting as your agent
or as the agent of any Provider. LendingTree’s services are only administrative.
You agree you will rely on your own judgment and research independent of any
communications or information you receive from LendingTree in deciding which
available product, terms and Provider best suits your needs and financial
situation.

Any Qualification Form you submit is not an application for credit. Rather, it
is an inquiry to be matched with Providers that may be able to present
conditional offers. Some Automobile Finance Providers, however, may provide firm
offers. The Provider is solely responsible for its services to you, and you
agree that LendingTree shall not be liable for any damages or costs of any type
arising out of or in any way connected with your use of such services or your
interactions with any Provider. You understand that Providers may keep your
Qualification Form information and any other information provided by LendingTree
or received by them in the processing of your Qualification Form, whether you
are qualified for a product with them or complete a formal application for
services with them.

For any Service, by saving your information with LendingTree or submitting a
Qualification Form, you represent that all the information you have provided is
true, accurate, current and complete. You further acknowledge that you alone
will use your account to access the Services. You must not sell, transform or
assign your account to anyone else. You agree to keep your login information
confidential, to employ reasonable and appropriate safeguards to prevent
unauthorized access to your account, and to not share your account credentials
with any third party or allow anyone else to log into our Services as you. You
are responsible for all activities that occur under your member account. If you
believe that your account is no longer secure, you agree to notify us
immediately.

When you “submit” information, create an account or otherwise register for
Services through our Websites, you understand and agree that you have
established a business relationship between you and LendingTree. Accordingly,
LendingTree may send your information to certain affiliates and third parties as
provided in the Privacy Policy and you agree that LendingTree, its affiliates,
and persons calling on LendingTree’s behalf may contact you using information
you provided with information and offers of services available through
LendingTree and the Websites. You also give LendingTree permission to retain all
such provided information and to make live or recorded calls to discuss, provide
or remind you of any information regarding your submission, including incomplete
Qualification Forms, the identification of matched Providers, deadlines, quality
of services or other matters in connection with your Qualification Form.
In addition, certain state and federal laws require that the information you
provide us is housed and securely maintained and cannot be removed, purged, or
destroyed until the expiration of certain prescribed periods. Providers may also
from time-to-time be required to share the information you submit to them with
LendingTree in order to adhere to applicable laws. Providers and LendingTree may
also maintain and share information provided by you and about you by third
parties for internal marketing and analytics. You are providing express written
consent for the retention of this information upon completion of an inquiry form
for LendingTree and the selected Provider to share this information for these
purposes.

By submitting a Qualification Form, you are providing express written
instructions under the Fair Credit Reporting Act for LendingTree and Provider
partners with whom you are matched to obtain your consumer credit report from
your credit profile or other information from contracted Credit Bureau(s) for
the purpose of matching you to a Provider, product, or service through the
LendingTree network. This information could include, but might not be limited
to, your credit report, credit score, and other credit information. LendingTree
will obtain a limited credit report (“soft pull”) regardless of whether you
provide your Social Security Number. To help the government fight identity
theft, the funding of terrorism and money laundering activities, and to help
attempt to verify your identity, LendingTree and its Providers may obtain,
verify and record information that identifies each person who opens an account
with us and Providers. LendingTree and its Providers may ask for your name,
Social Security Number, address, telephone number, date of birth and other
important information including, but not limited to, information received from
your credit file, that may allow us and Providers to properly identify you. It
is possible that a Provider may perform a soft inquiry on your credit at the
same time for the same or similar purposes, but the soft inquiry into your
credit does not impact your credit score. Not all Providers will receive your
Social Security Number and, for those that do, not all will perform the soft
inquiry of credit. LendingTree does not perform hard inquiries into credit,
though certain automobile lenders on its network will perform a hard inquiry to
evaluate you for a firm offer of credit. From time-to-time LendingTree is
examined by state and federal regulators and as such is required to maintain
your Personally Identifiable Information to adhere to certain jurisdictions’
data retention requirements. Your information may also be obtained from
Providers after you are matched to adhere to state and federal reporting and
record retention requirements. You authorize LendingTree and its participating
Providers to share such information as required.

Services offered by Providers may only be made to residents of states where
Providers are authorized to make such Loans. A Provider’s participation in and
offering of its products on the Websites does not constitute an offer by any
Provider or by LendingTree to provide services outside of their authorized
jurisdictions, and to the extent you seek or receive information from a Provider
regarding any prospective service which would be outside of the Providers’
authorized jurisdiction, that information is for informational purposes only.
Providers shall have the right to discontinue, suspend or terminate the offering
of any Loan product in any specific state through the Websites at any time,
without prior notice.

We do not guarantee acceptance into any particular program or specific terms or
conditions with any Provider; approval standards are established and maintained
solely by individual Providers. Likewise, we do not guarantee that the rates
offered by Providers include the lowest rates available in the market or the
rate that the Providers will ultimately charge. A Provider’s conditional Loan
offer may be subject to market conditions, approval and qualification. The rates
and fees actually provided by Providers may be higher or lower depending on your
complete credit profile, collateral/property considerations (if applicable)
including but not limited to location, equity and value and income/asset
consideration including but not limited to Loan to value and debt to income
ratios. Unless expressly stated in writing, nothing contained herein shall
constitute an offer or promise for a Loan commitment or interest rate lock-in
agreement. Providers may not offer all products as well as not offer products in
all states. You might not be matched with the Provider making any specific
offer. If you agree to terms with any Provider with whom you are matched on our
Websites, you will be responsible for paying for any closing costs associated
with your Loan (such as settlement services, Loan processing, underwriting or
funding fees) at closing.

By clicking on any button indicating an acceptance or agreement to terms, a
continuance of processing or submission (collectively, a “submission”) you
understand that you are consenting, acknowledging and agreeing to the stated
terms and conditions of that submission and that you are submitting an inquiry
for a Service through LendingTree to each of the Providers to whom your Loan
request is transmitted. You are also indicating that you are consenting,
acknowledging and agreeing to receive notices, disclosures and other
communications (“Disclosures and Communications”) in electronic form (either by
email or via the Internet) as provided for in the Consent for Electronic
Disclosures and Communications from LendingTree and its Providers.

Terms Applicable to Financial Education Content

We provide content and tools on our Websites that allow you to enhance your
financial education and learn how certain financial decisions could impact your
financial well-being. We provide these materials for informational, educational,
and entertainment purposes only, and at no time are we providing legal,
financial, investment, tax planning, or medical advice. You may see offers on
these Websites from companies that compensate us. This compensation may impact
the location and order in which these offers appear. Our Websites do not include
the entire universe of available credit or financial offers.

Ratings & Reviews and User-Generated Content

On certain LendingTree Websites, you may submit user generated content. By
submitting any content on these Websites or through any social media channel
associated with LendingTree, you represent and warrant that:

 * you are the sole author and owner of the intellectual property rights
   thereto;
 * all “moral rights” that you may have in such content have been voluntarily
   waived by you;
 * all content that you post is accurate;
 * you are at least 13 years old; and
 * use of the content you supply does not violate this Agreement and will not
   cause injury to any person or entity.

You further agree and warrant that you shall not submit any content:

 * that is known by you to be false, inaccurate or misleading;
 * that infringes any third party’s copyright, patent, trademark, trade secret
   or other proprietary rights or rights of publicity or privacy;
 * that violates any law, statute, ordinance or regulation (including, but not
   limited to, those governing export control, consumer protection, unfair
   competition, anti-discrimination or false advertising);
 * that is, or may reasonably be considered to be, defamatory, libelous,
   hateful, racially or religiously biased or offensive, unlawfully threatening
   or unlawfully harassing to any individual, partnership or corporation;
 * for which you were compensated or granted any consideration by any third
   party;
 * that includes any information that references other websites, addresses,
   email addresses, contact information or phone numbers; or
 * that contains any computer viruses, worms or other potentially damaging
   computer programs or files.

You agree to indemnify and hold LendingTree (and its officers, directors,
agents, subsidiaries, joint ventures, employees and third-party service
providers), harmless from all claims, demands, and damages (actual and
consequential) of every kind and nature, known and unknown including reasonable
attorneys’ fees, arising out of a breach of your representations and warranties
set forth above, this Agreement, or your violation of any law or the rights of a
third party.

For any content that you submit on the Websites, Facebook, Twitter or any
similar LendingTree-affiliated social media property, you grant LendingTree a
perpetual, irrevocable, royalty-free, transferable right and license to use,
copy, modify, delete in its entirety, adapt, publish, translate, create
derivative works from and/or sell and/or distribute such content and/or
incorporate such content into any form, medium or technology throughout the
world without compensation to you.

All content that you submit may be used at our sole discretion. We reserve the
right to change, condense or delete any content on any website or social media
property that we deem, in our sole discretion, to violate the content guidelines
or any other provision of these Terms of Use. We do not guarantee that you will
have any recourse to edit or delete any content you have submitted. For the
ratings and reviews service, ratings and written comments are generally posted
within two to four business days. We reserve the right to remove or to refuse to
post any submission for any reason. You acknowledge that you, not LendingTree,
are responsible for the contents of your submission. None of the content that
you submit shall be subject to any obligation of confidence on the part of us,
our agents, subsidiaries, affiliates, partners or third-party service providers
and their respective directors, officers and employees.

By submitting content or submitting your email address in connection with your
rating and review, you agree that LendingTree and its third-party service
providers or the entity being reviewed may use your email address to contact you
about the status of your review and other administrative purposes.

How We Are Compensated

LendingTree is paid a marketing lead generation fee by Providers for the goods,
facilities and services provided. Your use of the Websites and/or LendingTree’s
services constitutes your agreement with this compensation arrangement.

Additional Terms Applicable to Specific Financial Services & Products

We offer Services that you can use to comparison shop for financial services and
products (including, but not limited to, insurance products; commercial Loans;
credit cards; mortgage Loans; personal Loans; student Loans; automobile, boat,
rv, and watercraft Loans; credit repair products; debt relief services; deposit
accounts).

When you complete a Qualification Form, by clicking on any button indicating an
acceptance, acknowledgement or agreement to terms, a continuance of processing
or submission (collectively, a “submission”) you understand that you are
consenting, acknowledging and agreeing to the stated terms and conditions of
that submission and that you are submitting an inquiry as to a financial service
or product through LendingTree which will match you to Providers to whom your
request and personal information is transmitted. We may also try to find you
matches for similar or alternative Services based on your request. For example,
if you sought an unsecured personal Loan, we may present to you an unsecured
line of credit if such a product is available in the jurisdiction where you
reside.

Terms Applicable to Commercial Loan Requests

LendingTree’s commercial Loan Websites and Services, including those Services
available through SnapCap.com, are designed for businesses and are not intended
for individuals’ personal, family or household use. Accordingly, we treat all
personal information collected for commercial Loan products, including
information about any visitors to our website, as pertaining to individuals
acting as business representatives, rather than in their personal capacity.

Terms Applicable to Auto Loan Request Services

By providing a Qualification Form, you are consenting, acknowledging and
agreeing to a hard pull of credit by up to five (5) Providers in relationship to
your automobile Loan inquiry. You are providing Written Consent for such
inquiries and these inquiries may negatively impact your credit score. If you
request an auto Loan and qualify for the Dealer Referral Program, we may also
provide your information to one or more of the Providers or third-party
marketing companies in that program. The Dealer Referral Program allows you to
get financing quotes from a dealership in your area; currently, Car.com,
CarLoan.com and Autobytel participate in the program. In addition, you may be
matched with one or more Providers offering Loans with which you could finance
your automobile.

Terms Applicable to Credit Repair Services

LendingTree’s affiliate, Ovation Credit Services, Inc. provides credit repair
services in exchange for fees which you are responsible for paying only after
Ovation has performed its services for the covered period of time. If you enter
into an agreement to receive credit repair services from Ovation, then the terms
of such service will be defined in the written agreement that you enter into
with Ovation.

Terms Applicable to Insurance Request Services

LendingTree and its affiliates and subsidiaries, including QuoteWizard.com, LLC
(“QuoteWizard”), are not licensed insurance agencies or brokers and do not
provide insurance quotes in accordance with RCW 48.17 or similar state statutes.
The information we provide is not intended to take the place of professional
advice from a licensed insurance agent nor do we provide any evaluation of the
insurance providers or their policies. We recommend that all consumers consult
with a licensed insurance agent before purchasing any insurance policy. We do
not sell any insurance or bind coverage on our Websites; instead, we provide a
service to help Providers offer for sale and sell insurance and other authorized
products to you.

Terms Applicable to Mortgage Loan Request Services

We provide multiple mortgage request services that you can use to comparison
shop for mortgage products. The first option offers you the option to complete a
Qualification Form by providing your Social Security Number (“SSN”) along with
other information on the Qualification Form. There is a subset of Providers on
the LendingTree network that may need your SSN to make a conditional offer. The
second option does not require you to provide your SSN. There is a subset of
Providers on the LendingTree network that prefer to take leads without an SSN.
To use either service, you must provide the information requested on the form,
agree to the full Electronic Consent, this Agreement, the Privacy Policy, and
any additional terms that are included in the individual form you complete.

LendingTree empowers consumers to comparison shop for mortgage products and is
licensed as a Mortgage Broker in all 50 states and the District of Columbia.
LendingTree DOES NOT take formal mortgage applications as defined under
applicable state laws, the Equal Credit Opportunity Act, the Truth In Lending
Act (“TILA”), and the Real Estate Settlement Procedures Act (“RESPA”).
LendingTree is not a lender or a creditor. LendingTree DOES NOT originate Loans
or make credit decisions in connection with Loans, nor does LendingTree issue
commitments or lock-in agreements. LendingTree’s services are only
administrative. Any Qualification Form you submit is NOT an application for
credit. Rather, it is an inquiry to be matched with Providers that may be able
to present conditional offers. You will have to complete a formal application
with the Provider you choose before the Provider will extend an unconditional
offer.

If you close a Loan with a Provider, you will be responsible for paying for any
settlement services or closing costs associated with your Loan (such as Loan
processing, underwriting, funding fees, appraisals, title insurance premiums,
attorney and notary fees, etc.). The Provider, not LendingTree, and the
settlement service providers you select will determine the amount of any such
fees. Unless expressly stated in writing, nothing contained herein shall
constitute an offer or promise for a Loan commitment or interest rate lock-in
agreement. The Websites and the Services provided by LendingTree are available
in connection with Loans made on real property located in the fifty states and
the District of Columbia unless otherwise specified. Providers may not offer all
products as well as not offer products in all states.

You might not be matched with any specific Providers making any specific offers.
We will continue to attempt to match you for up to twenty-four hours after you
submit your request and may contact you via telephone at the number you provided
to attempt to help you obtain a match. If we are able to identify a match not
originally identified on your online offers page, you agree we may call or
contact you to identify such Providers and you may elect to be connected with
those Providers to learn more about their products and services. LendingTree
cannot and will not select a Provider for you.

When you complete a Qualification Form online, by clicking on any button
indicating an acceptance, acknowledgement or agreement to terms, a continuance
of processing or submission you understand that you are consenting,
acknowledging and agreeing to the stated terms and conditions of that submission
and that you are submitting an inquiry as to a product to which LendingTree will
match you with Providers to whom your Qualification Form data and personal
information is transmitted. LendingTree will also try to find you matches for
similar products for which you sought as well as alternative products that may
be suitable for your financial needs. For example, if you sought a home equity
Loan or home equity line of credit but are also over the age of 62 then
LendingTree may present to you a reverse mortgage Provider for a Home Equity
Conversion Mortgage.

Terms Applicable to Loan Explorer and Rate Table Products

LendingTree’s Loan Explorer allows you to view sample rates and contact
Providers directly to inquire about their products and services without
submitting a Qualification Form. LendingTree’s rate table service enables you to
see preliminary offers from Providers with whom you have been matched based on
information you provide in a Qualification Form. When using the rate table
experience, which may be referred to as Rulo, you will have the opportunity to
select Providers to request additional information about their products and
services. You may see offers from multiple Providers and there is no restriction
on how many Providers you choose to contact.

Terms Applicable to Student Loan Request Services

Private student Loans offered by Providers through the Websites do not require
school certification and the proceeds are disbursed in the form of a check
mailed directly to you, or if more than one person, the person with the stronger
credit profile. The proceeds of your Loan must be used for educational purposes.

All Loans are subject to credit approval. Interest rates and Loan fees vary and
are based upon borrower and/or cosigner (where applicable), credit score and
other underwriting criteria. Approval and underwriting criteria standards are
established and maintained solely by the individual Provider(s) and not by
LendingTree.

When Providers receive your Loan request, they are not agreeing to lend you
money and there will not be such an agreement until the time that the Loan is
actually disbursed to you. Providers have the right to accept or reject your
cosigner and lend an amount less than the amount requested.

In addition, by submitting your Loan request, you authorize the Providers to
verify the accuracy and authenticity of all information supplied by you both
internally and with the assistance of non-affiliated third parties.
Specifically, you authorize the Providers to verify your enrollment status with
your school and other organizations and to verify your employment status by
contacting your employer. Providers may also verify any income information that
you provide. In all cases, Providers may disclose the fact that you are applying
for credit from that Provider.

Terms Applicable to My LendingTree

By creating a My LendingTree account (whether directly or in conjunction with
submitting a Qualification Form), you understand and consent to LendingTree
receiving and accessing consumer report information about you from one or more
credit bureaus. By registering with My LendingTree, you are providing express
written instructions under the federal Fair Credit Reporting Act that we may use
and analyze your information as follows: to (a) present you an overview of your
credit profile including detailed information where available; (b) provide you
with customized recommendations and general information about you; and/or (c)
serve you targeted ads and other communications based on your information,
(d)identify affiliate and non-affiliate Providers that may be able to provide
valuable services to you; (e) so that LendingTree may perform analysis and data
modeling in order to offer customers better Services in the future. This
information could include, but might not be limited to, your credit report,
credit score, and other credit information. For as long as you maintain a My
LendingTree account, you are providing express written consent for us to
maintain and share information provided by you, and about you by third parties,
to assist with litigation, regulatory request(s), law enforcement requests,
internal analytics, marketing purposes, and any other legally permissible
purpose.

Terms Applicable to Realty Services

By clicking on any button indicating an acceptance or agreement to terms, a
continuance of processing or submission (collectively, a “submission”),
including any submission made in connection with a Qualification Form for other
LendingTree products or services on which you indicate your desire to be
connected with a real estate company, you understand that you are agreeing to
the stated terms and conditions of that submission and that you are submitting
an inquiry to LendingTree and its network of real estate companies, brokers, and
agents (“Real Estate Companies”). You authorize LendingTree to forward your
information to the Real Estate Companies. You further understand and agree that
by selecting a Real Estate Company or other provider, you are providing express
written consent for them to contact you by telephone at the numbers (whether
landline or cellular) you have provided, including for marketing purposes, and
you hereby consent to any such calls even if your phone number is on the Do Not
Call list.

Widgets

Generally, widgets are tools that you may place on your website, which allow
visitors to your website to access and view content on or from another website.
Widgets published by LendingTree (“Widgets”) provide access to the Websites,
Content and Services from points outside of the Websites. Widgets may be placed
on your websites, blogs, your pages at online social network or media sites (to
the extent permitted by such sites), and other similar platforms. LendingTree
prohibits the placement of Widgets on websites, platforms or devices that
contain content that is sexual, offensive, deceptive or illegal in nature or
that in any way promotes or encourages hatred, violence, discrimination or
illegal activities, or otherwise inappropriate as determined by LendingTree in
its sole discretion. You shall use the Widgets in a manner consistent with all
applicable laws and solely for lawful purposes. You cannot use the Widgets for
any other purpose, and nothing in this Agreement shall be deemed to grant you
any rights, title or interest in the Widgets, Websites, Content or Services.
LendingTree reserves the right to remove or demand the removal of any Widget, or
revoke your right to use any Widget, for any reason.

By accessing and using any Widget (including copying any Widget html code), you
agree to be bound by the following:

 1.  You may only display the Widget(s) on a website you own and operate and not
     in any other manner or in any other medium.
 2.  You may not modify any Widget. Without limitation, you may not change any
     code provided by LendingTree, obscure or disable any element of any Widget,
     tag links to LendingTree from the Widget with a “nofollow” attribute or
     otherwise prevent or discourage search engines from following or scoring
     link.
 3.  Except for displaying the Widget, you agree not to make any
     representations, warranties (express or implied) or other statements
     concerning LendingTree, our Websites, Services, and Providers.
 4.  You may not display any Widget in any manner that implies affiliation with,
     sponsorship or endorsement by LendingTree.
 5.  You must place the Widget on a page that is context-appropriate to the
     content of the Widget, and any reference to LendingTree or its products and
     services must be accurate. For example, you may place Widgets on pages of
     your web site that contain a discussion of personal finance, mortgages or
     residential real estate.
 6.  You may not place the Widget on any site that contains any content that is
     in any way unlawful, harmful, obscene, harassing, or racially, ethnically,
     or otherwise objectionable.Additionally, you may not place the Widget on
     any site that disparages LendingTree, our Services, or the
     products/services of Providers on our network, infringes any LendingTree
     intellectual property or other rights, or violates any applicable law.
 7.  LendingTree grants you a non-transferable, non-exclusive, revocable right
     to download/display the Widget solely in accordance with (i) the terms of
     this Agreement and (ii) solely in connection with the Widget, to use our
     logos, trademarks, trade names and other intellectual property contained in
     the Widget. This Agreement does not grant you any right in any LendingTree
     code, content, logos or trademarks beyond the limited permission to display
     the Widget granted herein. LendingTree reserves the right at any time to
     terminate or modify your permission to display the Widget. The Widgets are
     subject to change from time to time in our sole discretion. We may cease to
     return content from the Widget at any time in our sole discretion.
 8.  You acknowledge and agree that LendingTree may crawl or otherwise monitor
     your web site to confirm compliance with this Agreement.
 9.  The Widget and any information, software, and related services are provided
     “as is” with no warranty, and LendingTree expressly disclaims any
     warranties that may be expressed or implied by law regarding any Widget,
     including warranties of accuracy or non-infringement. Use of Widgets is at
     your own risk. LendingTree is not liable for any direct, indirect,
     punitive, incidental, special or consequential damages or other injury
     arising out of or in any way connected with the use of any Widget whether
     resulting in whole or in part, from breach of contract, tortious behavior,
     negligence, strict liability or otherwise.
 10. LendingTree reserves the right to change this Agreement in its sole
     discretion at any time without notice, and you are responsible for
     regularly reviewing this Agreement. Your continued use of any Widget after
     the effective date of such changes will constitute acceptance of, and
     agreement to, any such changes.

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LendingTree, LLC is a Marketing Lead Generator and is a Duly Licensed Mortgage
Broker, as required by law, with its main office located at 1415 Vantage Park
Drive, Suite 700, Charlotte, NC 28203 (TDD/TTY). NMLS Unique Identifier #1136.
LendingTree, LLC is known as LT Technologies in lieu of true name LendingTree,
LLC in NY. LendingTree technology and processes are patented under U.S. Patent
Nos. 6,385,594 and 6,611,816 and licensed under U.S. Patent Nos. 5,995,947 and
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