The rules for using this site — with a plain-English column.

1. Eligibility and the service

These Terms of Use ("Terms") govern your use of bearloanscashadvances.com (the "Site") operated by bearloanscashadvances.com, 5310 Durham, North Carolina 27709 ("Bear Loan", "we"). By using the Site you agree to these Terms and our Privacy Policy. If you don't agree, don't use the Site.

To submit a loan request you must be at least 18 years old (19 in Alabama and Nebraska), a US citizen or permanent resident, and have a valid bank account, a verifiable income source and a working email address and phone number. The Site is a loan-connection service only; we are not a lender and do not make credit decisions, fund loans or service them.

2. No guarantee of an offer

Submitting a request does not guarantee that any lender will make an offer, or that any offer will be for the amount, rate, term or product requested. Lenders set their own criteria and may decline or counter-offer. Not all lenders can offer every product in every state. We may limit, suspend or stop the service at any time.

3. Your information

You agree that the information you submit is true, complete and current, and that you are submitting it on your own behalf. Submitting someone else's information, or false information, may be a crime and will result in termination of access. You authorize us and participating lenders to verify your information through third-party sources, including consumer-reporting agencies, and acknowledge that a soft inquiry will be made when you submit a request.

4. Lender agreements

Any loan you accept is a contract between you and the lender only. Review the lender's agreement — APR, finance charge, schedule, fees, late and returned-payment charges, and arbitration provisions — before signing. Questions about a signed loan go to the lender. We are not a party to the agreement and are not responsible for the lender's acts, omissions, products or services.

5. Communications and consent

By providing your phone number you consent to receive calls and text messages about your request, including by automated means, from us and participating lenders. Consent is not a condition of purchase; reply STOP to end texts. You consent to receive disclosures electronically as described in our E-SIGN disclosure.

6. Prohibited uses

You may not: use the Site for any unlawful purpose; scrape, copy or mirror content; interfere with security features; submit requests using bots or scripts; attempt to access other users' data; or use the Site to harass or defraud anyone. We may suspend access for any violation.

7. Intellectual property

The Site, its design, text, graphics and the Bear Loan name and logo are owned by us or our licensors and protected by copyright and trademark law. You may view and print pages for personal, non-commercial use. All other use requires written permission. Third-party names on comparison pages belong to their owners and are used for identification only.

8. Disclaimer of warranties

THE SITE AND SERVICE ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE AND NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE SITE WILL BE UNINTERRUPTED, ERROR-FREE OR SECURE, OR THAT ANY LENDER WILL MAKE AN OFFER. Educational content, calculators and comparisons are for information only and are not financial, legal or tax advice.

9. Limitation of liability

TO THE FULLEST EXTENT PERMITTED BY LAW, BEAR LOAN AND ITS OFFICERS, EMPLOYEES AND PROVIDERS WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL OR PUNITIVE DAMAGES, OR LOSS OF DATA OR PROFITS, ARISING FROM YOUR USE OF THE SITE OR ANY LOAN OBTAINED THROUGH IT. OUR TOTAL LIABILITY FOR ANY CLAIM WILL NOT EXCEED $100. Some states do not allow these limitations, so they may not apply to you.

10. Indemnification

You agree to defend and hold us harmless from claims, losses and expenses (including reasonable attorneys' fees) arising from your violation of these Terms, your misuse of the Site, or information you submit.

11. Disputes, arbitration and governing law

These Terms are governed by the laws of the State of North Carolina, without regard to conflict-of-law rules. Any dispute arising from the Site or these Terms will be resolved by binding individual arbitration administered by the American Arbitration Association under its Consumer Arbitration Rules, except that either party may bring an individual claim in small-claims court. You and we waive any right to a jury trial and to participate in a class action. You may opt out of this arbitration provision by emailing us within 30 days of first using the Site with the subject "Arbitration opt-out". Disputes about a loan are governed by the lender's agreement, not this section.

12. Changes and contact

We may update these Terms by posting a new version with a new effective date; continued use after that date is acceptance. Questions: [email protected] or the contact form. bearloanscashadvances.com, 5310 Durham, North Carolina 27709.