Terms of Use

By submitting your information through any web form on this Site, and explicitly checking the accompanying consent box, you expressly consent, in writing, to receive marketing and promotional telephone calls, text messages (SMS/MMS), pre-recorded messages, and artificial voice messages from:

Such contact may be made using:

Contact may be made at the telephone number(s) and email address(es) you provide, even if your telephone number is currently listed on any state or federal Do Not Call (DNC) registry. THE PURPOSE OF SUCH CONTACT MAY INCLUDE, but is not limited to: loan offers, financial product promotions, account servicing, follow-up on your inquiries, appointment scheduling, and other marketing-related communications.

YOUR CONSENT TO RECEIVE AUTODIALED OR PRE-RECORDED CALLS AND TEXT MESSAGES IS NOT A CONDITION, DIRECTLY OR INDIRECTLY, OF PURCHASING ANY PRODUCT OR SERVICE. You may choose to receive loan referral services without consenting to receiving automated marketing communications; however, doing so may limit our ability to connect you with Lending Partners who rely on such automated communication systems to service inquiries.

You may revoke your consent to receive automated marketing calls or text messages at any time by:

Please Note: Revoking consent with yourcreditpal.com does not automatically revoke consent you may have provided directly to a Lending Partner. If your lead data has already been transmitted to a Lending Partner prior to your opt-out request, you must contact that specific Lending Partner directly to revoke your communication consent with them. Once you opt out with us, we will process your request within a reasonable window, not to exceed 10 business days. You may continue to receive scheduled communications during this brief processing window. No further promotional messages will be sent unless you explicitly re-consent.

In accordance with the TCPA and FCC regulations, any automated call or text initiated by or on behalf of YourCreditPal will clearly identify YourCreditPal as the entity on whose behalf the communication is being made.

By submitting your information, you acknowledge that your data will be matched and shared with a Lending Partner from our network. Because our platform matches you dynamically, you may be contacted by the specific Lending Partner who accepts your referral request. Each contact represents a separate communication from a distinct entity. YourCreditPal is not responsible for the content, compliance, or frequency of communications initiated by independent Lending Partners after your data has been transmitted to them under this consent.

You acknowledge and agree that we may monitor and/or record telephone calls between you and our representatives for quality assurance, training, and compliance purposes. By continuing any telephone call with us after a recording disclosure is provided, you expressly consent to the recording of that conversation.

Message frequency varies based on your user activity, account status, and the services requested. Standard message and data rates from your wireless carrier may apply to any SMS or MMS messages sent or received. YourCreditPal does not charge consumers a fee to receive text communications, but you are solely responsible for any fees levied by your wireless provider.

SMS services are available through major US wireless carriers. YourCreditPal is not liable for delayed, misdirected, or undelivered messages resulting from carrier network issues, technical failures, or atmospheric conditions beyond our reasonable control.

Data collected from you in connection with our SMS services may include your mobile phone number, wireless provider, message date/time, and content of messages you send. We use this data to provide and improve our text messaging services in strict compliance with our Privacy Policy. This data will not be shared with unauthorized third parties for separate marketing purposes.

If you are a California resident, or a state with comprehensive privacy laws, you may possess specific statutory rights regarding your personal information, including the right to access, correct, delete, or limit the use of your data.

Except as otherwise provided herein, all disputes, claims, and controversies arising out of or relating to these Terms, the Site, your use of the Site, our data privacy practices, or the TCPA consent you provided shall be resolved through binding arbitration administered by the American Arbitration Association (AAA) under its Consumer Arbitration Rules, rather than in a court of law. This arbitration agreement applies to the fullest extent permitted by law and shall survive the termination of these Terms.

YOU AND YOURCREDITPAL AGREE THAT ANY DISPUTE RESOLUTION PROCEEDINGS WILL BE CONDUCTED ONLY ON AN INDIVIDUAL BASIS AND NOT IN A CLASS, CONSOLIDATED, OR REPRESENTATIVE ACTION. If this class action waiver is found unenforceable as to a particular claim or request for relief, that specific claim or request for relief shall be severed and proceeded with in a court of competent jurisdiction, while all remaining claims shall continue in binding arbitration on an individual basis.

As an alternative to arbitration, either party may bring an individual action in a local small claims court, provided the claim qualifies under the applicable small claims jurisdictional rules and limits and remains on an individual basis.

Before commencing arbitration, the initiating party must send a written Notice of Dispute to the other party describing the nature of the claim, the facts supporting it, and the specific relief sought. YourCreditPal’s address for Dispute Notices is: YourCreditPal, Attn: Manager, 390 Northeast 191st Street Miami, FL 33179 US, or via email at: contact@yourcreditpal.com

The parties agree to attempt to resolve the dispute informally for a period of thirty (30) days following receipt of the Notice. If the dispute remains unresolved after 30 days, either party may formally commence arbitration.

These Terms, your access to the Site, and any dispute arising hereunder shall be governed by, construed, and enforced in accordance with the laws of the State of Delaware, without regard to its conflict of law principles. The Federal Arbitration Act (FAA) shall govern the interpretation and enforcement of the arbitration provisions in this Section 17. For any claims determined by a court to be exempt from arbitration, the parties consent to the exclusive jurisdiction and venue of the state and federal courts located in Delaware.

We reserve the right to amend these Terms at any time in our sole discretion. Updated Terms will be posted on this page with a revised “Last Updated” date. Your continued use of the Site after any amendment constitutes your acceptance of the revised Terms.

We may update, modify, suspend, or discontinue the Site or any operational feature at any time without notice. We are not liable to you or any third party for any losses resulting from changes to or the temporary unavailability of the Site.

We may transfer, assign, or delegate our rights and obligations under these Terms to another organization (such as in a corporate merger, acquisition, or asset sale) without your consent, provided such transfer does not materially affect your statutory rights. You may not assign your rights under these Terms without our prior written consent.

This Site is directed exclusively to individuals residing in the United States. We make no representation that the content or referral services are appropriate or legal in other jurisdictions. Accessing the Site from outside the United States is done entirely at your own risk.

If any provision of these Terms is deemed invalid, unlawful, or unenforceable by a court, that provision shall be severed, and the remaining provisions shall continue in full force and effect. Our failure to enforce any right or provision shall not constitute a waiver of such right or future enforcement.

These Terms, together with our Privacy Policy, Financial Disclosures, and Electronic Consent Agreement, constitute the entire agreement between you and YourCreditPal regarding your use of the Site and supersede all prior contemporaneous agreements or understandings.