Terms of Service
The agreement between you and Bear Loan. These terms explain what you can expect from us, what we ask from you, and the legal framework governing our Service. Please read carefully.
Acceptance of Terms
Welcome to Bear Loan. These Terms of Service ("Terms") govern your use of the Bear Loan website, mobile application, and related services (collectively, the "Service") operated by Bear Loan, LLC ("Bear Loan," "we," "us," or "our").
By accessing or using our Service, you agree to be bound by these Terms and our Privacy Policy. If you do not agree, you must not use our Service.
Eligibility
To use our Service, you must:
- Be at least 18 years old (or the legal age of majority in your jurisdiction)
- Be a U.S. citizen or lawful permanent resident
- Have a valid U.S. bank account and Social Security Number
- Provide accurate, truthful, and current information
- Not have been previously banned from our Service
You may not use the Service if you are prohibited from receiving loan services under applicable federal, state, or local law.
Nature of Our Service
Bear Loan is a loan-matching service — not a lender. We connect you with our network of licensed lending partners. Specifically:
- We do not make loans, fund loans, or service loans
- We do not set interest rates, fees, or loan terms
- We do not make credit decisions
- We are not a party to any loan agreement between you and a lender
The lending relationship is strictly between you and your chosen lender. All loan terms, obligations, and liabilities arise exclusively from that relationship.
Your Account and Responsibilities
When using our Service, you agree to:
- Provide accurate, current, and complete information
- Keep your login credentials confidential and secure
- Notify us immediately of any unauthorized account access
- Use the Service only for lawful personal loan purposes
- Not share your account with others or allow others to use your account
You are solely responsible for all activity that occurs under your account, whether or not authorized by you.
Loan Matching Process
When you submit an application through our Service:
- We perform a soft credit inquiry to pre-qualify you (no impact on your credit score)
- We match you with offers from lenders in our network based on your profile
- You review and choose (or decline) any offer — with zero obligation
- If you proceed with an offer, the chosen lender conducts its own verification, which may include a hard credit inquiry
- All final loan terms, conditions, approval, and funding decisions rest with the lender
No loan is guaranteed, and pre-qualification does not guarantee final approval. The lender may decline your application or offer different terms than those shown during pre-qualification.
Prohibited Uses
You agree not to:
- Submit false, misleading, or fraudulent information
- Apply on behalf of another person without their written consent
- Use the Service for any illegal purpose or in violation of any law
- Attempt to gain unauthorized access to our systems or other users' accounts
- Interfere with, disrupt, or overload the Service
- Use automated means (bots, scrapers, crawlers) to access the Service
- Reverse engineer, decompile, or attempt to extract the source code of any part of the Service
- Use the Service to harass, abuse, or harm another person
Violation of these rules may result in account suspension or termination, and may be reported to appropriate authorities.
Intellectual Property
All content on the Service — including text, graphics, logos, software, designs, and the Bear Loan name and marks — is the property of Bear Loan or its licensors and is protected by U.S. and international copyright, trademark, and other intellectual property laws.
You may not reproduce, distribute, modify, create derivative works of, publicly display, or otherwise exploit any content from the Service without our prior written consent, except as expressly permitted by these Terms or applicable law (such as fair use).
Disclaimers
THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED. TO THE FULLEST EXTENT PERMITTED BY LAW, WE DISCLAIM ALL WARRANTIES, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.
We do not guarantee:
- That you will be approved for a loan
- The accuracy, completeness, or availability of lender offers
- That the Service will be uninterrupted, timely, or error-free
- That any particular financial outcome will be achieved
- The conduct, content, or services provided by any third-party lender
Limitation of Liability
TO THE FULLEST EXTENT PERMITTED BY LAW, BEARSLOANS WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES — INCLUDING LOST PROFITS, LOST DATA, LOSS OF GOODWILL, OR BUSINESS INTERRUPTION — EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.
Our total aggregate liability for any claim arising out of or relating to the Service will not exceed one hundred dollars ($100).
Some jurisdictions do not allow the exclusion or limitation of certain damages, so some of the above may not apply to you.
Indemnification
You agree to indemnify, defend, and hold harmless Bear Loan, its officers, directors, employees, affiliates, and agents from and against any and all claims, damages, losses, liabilities, costs, and expenses (including reasonable attorneys' fees) arising out of or relating to:
- Your use of the Service
- Your violation of these Terms
- Your violation of any rights of any third party
- Your violation of any applicable law or regulation
- Information you submit to us that is false, misleading, or inaccurate
Dispute Resolution and Arbitration
ANY DISPUTE, CLAIM, OR CONTROVERSY ARISING OUT OF OR RELATING TO THESE TERMS OR YOUR USE OF THE SERVICE WILL BE RESOLVED EXCLUSIVELY BY BINDING INDIVIDUAL ARBITRATION, NOT IN COURT. Arbitration will be conducted by the American Arbitration Association (AAA) under its Consumer Arbitration Rules.
Class Action Waiver: You agree that any arbitration or legal proceeding will be conducted on an individual basis. You waive the right to participate in class actions, class arbitrations, or representative proceedings.
Opt-Out Right: You may opt out of this arbitration agreement within 30 days of first accepting these Terms by emailing [email protected] with your full name and account email.
Governing Law and Venue
These Terms are governed by the laws of the State of Delaware, without regard to its conflict of law principles. Any disputes not subject to arbitration will be resolved exclusively in the state or federal courts located in Wilmington, Delaware, and you consent to personal jurisdiction in those courts.
Termination
We may suspend or terminate your access to the Service at any time, for any reason, with or without notice. You may stop using the Service at any time.
Upon termination, your right to use the Service ceases immediately. Provisions regarding liability, indemnification, intellectual property, and dispute resolution survive termination.
Changes to These Terms
We may update these Terms from time to time. Material changes will be announced via email or a prominent notice on our website, along with an updated "Last Updated" date.
Your continued use of the Service after changes take effect constitutes acceptance of the revised Terms.
Contact Us
Questions about these Terms? Contact us at:
- Email: [email protected]
- Mail: Bear Loan, LLC, 1201 N Market St, Suite 1400, Wilmington, DE 19801
- Phone: 1-800-555-0177
Agreement Understood?
You've read the Terms. Now see if we're the right match — check your rate in sixty seconds with zero impact to your credit score.
Check Your Rate ◆