Lendersa® Terms of Use

Last Updated September 14, 2026

These Terms of Use, together with Lendersa®’s Privacy Policy, set forth the terms and conditions (“Terms”) that apply to your access and use of all Lendersa® products and services. “Lendersa®” includes Lendersa®, Inc. and its officers, directors, employees, consultants, affiliates, subsidiaries and agents.

By using or accessing the Lendersa® Services you agree to these Terms, as updated from time to time.

Definition of Lender: Throughout these Terms, the word “lender” or “Provider” is used in a general sense to encompass direct lenders, private investors, banks, wholesale lenders, credit unions, mortgage brokers, and any other entities that facilitate financing.

LENDERSA DOES NOT ACT AS A LENDER. WE ARE A NEUTRAL MARKETPLACE PORTAL THAT CONNECTS BORROWERS WITH LENDERS TO HELP FACILITATE LOAN OPPORTUNITIES. We hold an NMLS license (#1795154) for the purpose of advertising only. We are not using the license for any loan generation. Lendersa® DOES NOT originate loans, make credit decisions, issue commitments, or lock-in interest rates. All loan negotiations, terms, and agreements are strictly between you and the Provider.

Lendersa® is Not Your Loan Agent

At Lendersa®, we use the term “AI Agent” to describe our advanced, automated software assistant designed to help you navigate our platform, analyze complex loan quotes, and manage lender communications effortlessly. Lendersa® does not represent you or any party, nor does it act as a fiduciary or loan agent. Anywhere on Lendersa®’s portal where the term “Agent” is shown, it refers strictly to the Lendersa® AI Agent.

To ensure complete transparency, please note how our AI Agent differs from a human Real Estate Agent or Loan Broker:

What It Is: An artificial intelligence software assistant and technology tool, whereas a human agent is a licensed professional.
Primary Function: Organizes loan data, summarizes quote terms side-by-side, drafts messages, and guides you through site features. It does not write binding legal contracts or offer licensed financial/legal advice.
Legal Representation: Does NOT represent you or any party and acts strictly as a neutral digital concierge.
Platform Role: Powered by Lendersa®, a neutral marketplace where borrowers, brokers, and lenders directly exchange loan information to find better rates.

Disclaimer: Lendersa® cannot be responsible or liable for any advice, guidance, or opinions given by our AI. We strongly encourage every client to conduct independent due diligence and consult with independent financial or legal professionals before making any financial decisions.

1. Registration and Account Security

To use the Services you must (i) be at least eighteen (18) years of age; (ii) have not previously been suspended or removed from the Services; and (iii) register for and use the Services in compliance with any and all applicable laws and regulations.

Account Registration: When you register for an account, you agree to provide true, accurate, current, and complete identifying information. You agree not to impersonate anyone, misrepresent affiliations, or conceal your identity.
Account Responsibility: You are solely responsible for maintaining the confidentiality of your password and account. You must not sell, transform, or assign your account to anyone else. If you believe your account is no longer secure, notify us immediately at info@Lendersa.com.
Errors and Delays: Lendersa® is not responsible for any errors or delays in responding to a request caused by incorrect contact information provided by you or technical problems beyond our reasonable control.

2. Fraud Prevention, Indemnification, and Fee Policies

To protect our consumers and ensure compliance, Lendersa® enforces strict fee and operational policies:

IMPORTANT FRAUD WARNING AND INDEMNIFICATION

Lendersa® conducts due diligence on any lenders; however, sophisticated fraudsters may penetrate Lendersa®’s security measures and try to pose as a lender to extract personal confidential information or advance fees.

Before disclosing any confidential information, double-check the lender.
A fancy website does not guarantee the lender is legitimate.
Immediately report any suspicious activity to info@Lendersa.com.
Under no circumstances give a lender any advance fee without first emailing the information to us and getting written approval. Lendersa® strictly forbids advance fees without explicit written authorization.
Never give a lender access to your bank account.

Appraisal Fees: You must report to Lendersa® each time before you pay for an appraisal.
RESPA Compliance & Lead Acquisition: Providers acquire leads through structured, compliant programs. Under the GOLDIT Program, lenders pay in advance for leads. Lendersa® will under no circumstances accept a success-based Marketing Lead Fee (LMFEE) for any consumer loan covered by the Real Estate Settlement Procedures Act (RESPA).

3. Specific Requirements for Certain Services

Your use of the Services constitutes your acknowledgment and acceptance of the following specific terms.

3.1 Brokers Acting on Behalf of Borrowers

We welcome brokers applying for loans on behalf of their borrowers, but requests must be routed correctly to prevent marketplace confusion:

For Brokers: Register as a broker through the Provider/Lender portal and submit your borrower’s loan request directly from there to receive bids from wholesale lenders. Do not post loans on the consumer-facing site pretending to be the borrower.
For Borrowers: If you are working with a loan broker, ask them to register and submit the request on your behalf to efficiently compare multiple proposals.

3.2 Mortgage and Commercial Loan Request Services

We provide multiple request services to help you comparison shop.

Nature of Inquiries and Provider Liability: Any Loan Request 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. The Provider is solely responsible for its services to you, and you agree that Lendersa® 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.
Provider Data Retention: You understand that Providers may keep your Loan Request Form information and any other information provided by Lendersa® or received by them in the processing of your Loan Request or Registration Form, whether you are qualified for a product with them or complete a formal application for services with them.
No Guarantees of Terms or Matches: 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. 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. 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. You might not be matched with any specific Providers making any specific offers. We will continue to attempt to match you for up to 10 days and in certain cases longer after you submit your last edited request.
Commercial Loans: Commercial loan services are designed for businesses, not for personal, family, or household use. Information collected is treated as pertaining to business representatives.
Star Ratings: The Star rating system reflects responsiveness and reply speed, not an endorsement or guarantee of lending capacity by Lendersa®.
Closing Costs & Fees: If you close a loan, you are responsible for paying any associated settlement, processing, or closing costs. Lendersa® may charge participating Providers an acquisition fee, which is strictly paid by the Provider to Lendersa® and is not part of your negotiated mortgage commission.

3.3 Credit Reporting and Background Checks (FCRA)

By registering with Lendersa® or submitting a Loan Request Form, you provide express written instructions under the Fair Credit Reporting Act (FCRA) authorizing Lendersa® and matched Provider partners to obtain your consumer credit report or a limited credit report (“soft pull”). This soft inquiry does not impact your credit score and is used to verify identity, present tailored recommendations, and match you with suitable Providers.

3.4 Realty Services and Financial Education

Realty Services: Submitting inquiries for real estate products authorizes Lendersa® to forward your information to our network of real estate companies, brokers, and agents.
Financial Education Content: Tools and content provided on our Websites are for informational, educational, and entertainment purposes only and do not constitute legal, financial, investment, or tax advice.

3.5 Consent for Communications and TCPA

By submitting any Request Form containing your electronic signature, you establish a business relationship with Lendersa® and provide express written consent to be contacted by Lendersa®, its affiliates, and matched Providers.

Contact Methods: You are providing express written consent that Lendersa®, a third party on Lendersa®’s behalf, and Lendersa®’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 consent to receive these communications even if your number is on a Do-Not-Call (DNC) list.
Opting Out: You may revoke this consent at any time by emailing info@Lendersa.com, notifying a customer service representative, or replying to SMS messages according to program instructions. You must notify individual Providers directly if you wish to stop receiving communications from them, and you agree Lendersa® is not responsible for a Provider’s failure to follow instructions to stop contacting you.

3.6 Data Privacy, Retention, and Electronic Disclosures

Data Retention: State and federal laws require that your provided information be securely housed and maintained for prescribed periods. You authorize Lendersa® and its Providers to retain and share this information for regulatory compliance, internal analytics, and legal reporting.
Electronic Disclosures: By clicking any button indicating acceptance on our site, you agree to receive notices, disclosures, and communications in electronic form.
Agency Disclaimer: Lendersa® is not an agent of either you or any Provider. Except as otherwise provided for in your state, Lendersa® is not acting as your agent or as the agent of any Provider. Lendersa®’s services are only administrative.

4. Third Party Services

Advice from Third Parties: Any third-party advice is provided for informational purposes. You are responsible for your own financial research; Lendersa® is not liable for third-party decisions, quotes, or services.
Sharing Information: You may need to provide sensitive information (e.g., bank accounts) to third parties. Lendersa® has no control over how third parties use this information.
No Endorsements: Links to third-party websites are provided for convenience. Lendersa® does not endorse or review their content or accuracy.

5. Prohibited Conduct

You agree not to:

a) Use the Services for any illegal purpose;
b) Violate the intellectual property or rights of third parties;
c) Post content that is unlawful, defamatory, profane, threatening, or inappropriate;
d) Interfere with the security or operation of the Services (e.g., uploading viruses, scraping data without permission);
e) Perform fraudulent activity, including impersonating others or falsifying your identity;
f) Engage in harassment, discrimination, or abusive behavior toward Lendersa® staff or users (this results in immediate account termination).

Report any suspicious activity or fraud to info@lendersa.com immediately.

6. Intellectual Property and User Content

The Services are protected by copyright and intellectual property laws. No materials may be copied or distributed without express permission. If you believe your content has been used in a way constituting copyright infringement, contact us at:

Lendersa®, Inc.
22527 Crenshaw Blvd Ste 201
Torrance, CA 90505-3068
Phone: 818 430-2606
Email: info@Lendersa.com

Include your signature, a description of the copyrighted work and its location on the site, your contact info, and a good-faith statement made under penalty of perjury regarding the unauthorized use.

7. Indemnification

You agree to defend, indemnify, and hold harmless Lendersa® from any claims, damages, losses, and expenses (including attorneys’ fees) arising from your use of the Services, your violation of these Terms, or any disputes between you and a third party.

8. Termination

Lendersa® may suspend or terminate your user account or access to the Services at any time, with or without notice, if you violate these Terms. You may terminate your account by emailing info@Lendersa.com.

9. Modification of the Terms

Lendersa® reserves the right at any time to modify these Terms and to impose new or additional terms or conditions on your use of the Services at any time and without prior notice. Such modifications and additional terms and conditions will be effective immediately upon posting and incorporated into these Terms. Your continued use of the Services following the posting of changes constitutes immediate acceptance of those modifications. Loan requests that entered prior to September 14, 2026, are subject to the terms of use that were published on our website at the time the request was originated.

10. Disclaimers of Warranties

The Services are provided “as is” and “as available” without warranty of any kind. Lendersa® specifically disclaims implied warranties of merchantability, fitness for a particular purpose, and non-infringement.

No Guarantee of Accuracy: Lendersa® acts solely as an intermediary and does not independently verify the authenticity of information submitted by users or Providers.
Informational Purposes Only: We are not a financial institution or insurance provider, nor are we affiliated with FINRA.

11. Limitation of Liability

In no event will Lendersa® be liable to you for any incidental, special, consequential, direct, indirect, or punitive damages arising from your use of the Services, regardless of legal theory, even if informed of the possibility of such damages.

12. Dispute Resolution by Binding Arbitration; Class Action Waiver

Agreement to Arbitrate: You and Lendersa® agree to resolve disputes through individual, binding arbitration instead of in courts of general jurisdiction. YOU AND LENDERSA® ARE EACH WAIVING THE RIGHT TO A TRIAL BY JURY OR TO PARTICIPATE IN A CLASS ACTION.

a) Scope: This includes claims based in contract, tort, statute, or fraud.
b) Exceptions: Both parties retain the right to bring individual actions in small claims court or seek injunctive relief for intellectual property infringement.
c) Arbitrator: Arbitration will be administered by the American Arbitration Association (AAA) under its Commercial Dispute Resolution Procedures.
d) Notice and Process: Send a written Notice of Dispute by certified mail to: Lendersa®, Inc., 22527 Crenshaw Blvd Ste 201, Torrance, CA 90505-3068. If unresolved within 30 days, arbitration may commence.
e) Fees: Lendersa® will reimburse filing fees for claims under $10,000 unless the arbitrator determines the claim is frivolous.
f) No Class Actions: Claims may only be brought in an individual capacity.
g) Opt-Out: New users can reject arbitration by mailing a signed Opt-Out Notice to the Notice Address within thirty (30) days of accepting these Terms.

13. Modification of the Services

Lendersa® reserves the right to modify or discontinue any part of the Services at any time without notice or liability.

14. General Provisions

Entire Agreement: These Terms and the Privacy Policy constitute the entire agreement between you and Lendersa®.
No Waiver: Failure to enforce any provision does not constitute a waiver of that provision.
Severability: If any part of these Terms is held invalid, the remaining parts remain in full force.
Partner Terms: In the event of a conflict between third-party Partner Terms and Lendersa®’s Terms, Lendersa®’s Terms govern.

15. Notice to California Residents

Under California Civil Code Section 1789.3, you may contact the Complaint Assistance Unit of the Division of Consumer Services of the California Department of Consumer Affairs in writing at 1625 N. Market Blvd., Suite S-202, Sacramento, California 95834, or by telephone at (800) 952-5210.