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Terms And Conditions

These Terms of Service (“Terms”) govern your use of the website, mobile applications, and online services provided by toledoteamstersfederalcu.org (the “Website”, “we”, “us”, or “our”), as well as any communications with us via phone, email, or text (collectively, the “Service”). By accessing or using the Service, you agree to these Terms and our Privacy Policy. If you do not agree, do not use the Website or Service.

1. Modification of Terms

We may update these Terms or the Website at any time. Continued use of the Website after changes constitutes acceptance of the updated Terms. We are not liable for modifications, interruptions, or discontinuation of the Website or Services.

2. Your Access and Use

You must be 18 years or older and reside in the United States to use the Website. We may suspend or limit access to the Website at our discretion, without notice. Use of the Site is free, and there are no charges for completing a loan request.

3. Services and Content

3.1 Request to Be Connected
The Website acts as a marketing lead generator. We do not lend money, issue loans, or make credit decisions. We connect you with third-party lenders and may receive a marketing fee for referrals.

3.2 No Guarantee of Loan or Credit
We cannot guarantee approval, loan terms, or rates. Offers depend on the lender’s approval, your credit profile, and other factors. Completing a request may require additional information to verify your eligibility.

3.3 Sharing Your Information
By submitting a loan request, you consent to sharing your information—including your Social Security number—with third-party lenders and their affiliates for credit evaluation purposes. Service Providers may retain your information for follow-up communications.

3.4 No Endorsements
We do not endorse or guarantee any Service Provider, product, or content. You are responsible for evaluating any Service Provider before entering an agreement. We are not liable for any actions, omissions, or transactions with Service Providers.

4. Not Professional Advice

Content on the Website is for informational purposes only and does not constitute professional advice. Always seek qualified guidance before making financial decisions.

5. Disclaimer of Warranties

The Website is provided “as is.” We disclaim all warranties, including merchantability, fitness for a particular purpose, and non-infringement. Use the Website at your own risk. We do not guarantee virus-free content or emails.

6. Telemarketing and SMS Consent

By using the Website, you consent to receive calls, texts, and pre-recorded messages from us or Service Providers. Opting out may limit access to offers. Your carrier may charge fees. Calls may be monitored or recorded.

7. Electronic Communications (E-Consent)

By using the Website, you consent to receive electronic communications. Service Providers may also contact you electronically regarding loan offers or legal disclosures.

8. Indemnity

You agree to indemnify and hold harmless the Website, its affiliates, employees, and Service Providers from claims, losses, or expenses arising from your use of the Website or violation of these Terms.

9. Limitation of Liability

The Website is not liable for direct, indirect, incidental, or consequential damages arising from your use of the Service. Some states may limit these disclaimers.

10. Third-Party Websites

The Website may link to third-party sites. We are not responsible for their content or accuracy. Access these sites at your own risk.

11. Dispute Resolution

Disputes must first be addressed informally by contacting us at contact@toledoteamstersfederalcu.org. If unresolved within 30 days, you may pursue:

  • Small Claims Court for disputes within local limits, or
  • Binding arbitration under the rules of the American Arbitration Association for other disputes.

This agreement is governed by the Federal Arbitration Act (FAA). You waive rights to class actions and jury trials.

12. License

We grant a limited, non-exclusive, revocable license to use the Website for personal purposes. You may not:

  • Resell or commercially use content
  • Copy or extract product listings or pricing
  • Use framing or data scraping techniques
  • Upload harmful content or infringe intellectual property

You may link to our homepage with prior written consent, provided it is not misleading or offensive.

13. Termination

We may terminate these Terms at any time and deny access if you violate any rule. Upon termination, you must destroy all content obtained from the Website.

14. Survival

Sections on Disclaimer of Warranties, Indemnity, Limitation of Liability, and Dispute Resolution survive any termination of this Agreement.

A cash advance loan is a short-term borrowing option, sometimes referred to as a payday loan. These loans usually last between two to four weeks and may carry high costs. Because of this, they are intended only for short-term financial needs and should not be used as a long-term financial solution. Consumers facing credit challenges are encouraged to seek credit counseling before entering into any loan transaction.

toledoteamstersfederalcu.org is not a lender and does not make credit decisions or loan offers. The website serves solely as a platform to connect consumers with lenders and third-party marketers. We do not charge users any fees for this service, nor are users obligated to contact any lender, accept any offer, or use any service presented.

We cannot guarantee that every user will be approved for a loan, connected with a lender, or receive a loan offer. Approval, terms, rates (including APR), fees, charges, loan amounts, transfer times, repayment terms, and any consequences of late or missed payments are determined entirely by the lender.

Loan products and conditions vary between lenders and depend on several factors, including the borrower’s state of residence, credit history, and each lender’s own policies.

By submitting a loan request on our site, you acknowledge and authorize that your information may be shared with lenders and third-party marketing partners in our network. These lenders may obtain consumer reports or related information about you from credit reporting agencies such as TransUnion, Experian, or Equifax to evaluate your creditworthiness. Additional verification may also be required, which could include your Social Security number, driver’s license, national ID, or other identification documents.