Welcome to the website operated by Z Lend ("Z Lend," "Company," "we," "us," or "our"). By accessing or using this website (the "Site"), you agree to be bound by the following Terms of Use ("Terms"). If you do not agree to these Terms, please do not use the Site.
We reserve the right to update or modify these Terms at any time. Continued use of the Site after changes are posted constitutes acceptance of the revised Terms.
1. Nature of Services
Z Lend provides loan referral and marketplace services only. We are not a lender, do not make credit decisions, and do not fund loans.
All loan approvals, rates, and terms are determined solely by third-party lenders. Use of this Site does not guarantee loan approval or funding.
2. Eligibility
This Site is intended for individuals who are 18 years of age or older. By using the Site, you represent and warrant that:
- You are at least 18 years old
- All information you provide is accurate and truthful
- You will comply with all applicable laws and regulations
Any use by individuals under 18 is unauthorized and strictly prohibited.
3. User Representations & Acceptable Use
You agree that you will not:
- Submit false, misleading, or fraudulent information
- Impersonate any person or entity
- Upload or transmit unlawful, defamatory, abusive, obscene, or harmful content
- Harvest data, scrape the Site, or use automated tools without authorization
- Upload viruses, malicious code, or attempt to compromise Site security
- Use the Site for spam, unsolicited marketing, or illegal solicitation
- Collect personal information from minors
- Interfere with the operation or availability of the Site
Z Lend reserves the right to suspend or terminate access at its sole discretion.
4. Intellectual Property
All content on the Site — including text, logos, trademarks, software, images, videos, and design elements — is the exclusive property of Z Lend or its licensors.
You may view and download materials only for personal, non-commercial use, provided that:
- Copyright and proprietary notices are retained
- No modifications are made
- No implication of endorsement or affiliation is created
Any reproduction, distribution, resale, or commercial use without written permission is strictly prohibited.
5. User Submissions
Any feedback, suggestions, ideas, or materials you submit to Z Lend (excluding information protected under our Privacy Policy) become the exclusive property of the Company.
You acknowledge that:
- Submissions are non-confidential
- Z Lend may use them for any lawful purpose
- No compensation is owed to you
- You remain solely responsible for the legality and originality of your submissions
6. Electronic Communications & Disclosures
By using the Site, you consent to conduct business electronically and to receive communications, notices, and disclosures electronically via email or the Site.
This includes (where applicable):
- Transactional communications
- Legal notices
- Tax documents (including IRS Form 1099)
Paper copies may be requested (fees may apply). Consent remains effective unless withdrawn in writing.
7. TCPA & SMS Consent
You expressly consent to receive calls, text messages, and prerecorded or autodialed communications from Z Lend, its affiliates, agents, and service providers at any number you provide.
Message and data rates may apply. Consent is not a condition of loan approval. You may opt out at any time.
8. Hardware & Access Requirements
To access electronic disclosures, you must have:
- Internet access
- A valid email address
- A supported web browser
- Ability to view, download, and retain electronic documents
Mobile users are responsible for ensuring device compatibility.
9. Limitation of Liability
TO THE MAXIMUM EXTENT PERMITTED BY LAW, Z LEND SHALL NOT BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, CONSEQUENTIAL, OR SPECIAL DAMAGES ARISING FROM:
- Use or inability to use the Site
- Errors, interruptions, or delays
- Malware, viruses, or system failures
- Reliance on information provided on the Site
Some states do not allow certain limitations; in such cases, applicable law governs.
10. Privacy
Your use of the Site is also governed by our Privacy Policy. By using the Site, you consent to the collection, use, and processing of your information in the United States.
11. Termination
These Terms remain effective until terminated. You may terminate by ceasing use of the Site and destroying downloaded materials.
Z Lend may terminate or restrict access at any time, without notice, for violation of these Terms or applicable law.
12. Third-Party Links
The Site may contain links to third-party websites. Z Lend does not control, endorse, or assume responsibility for third-party content, policies, or practices.
Accessing third-party sites is at your own risk.
13. Governing Law & Jurisdiction
These Terms are governed by and construed under the laws of the State of Florida, without regard to conflict-of-law principles.
Any disputes shall be resolved exclusively in state or federal courts located in Florida, unless otherwise required by law.
14. Indemnification
You agree to indemnify and hold harmless Z Lend, its affiliates, officers, directors, employees, and agents from any claims, damages, or expenses arising from:
- Your use of the Site
- Your violation of these Terms
- Your violation of any law or third-party rights
15. Dispute Resolution
In the event of a dispute, the parties agree to attempt good-faith resolution first. If unresolved, disputes may be subject to binding arbitration as permitted by law.
16. Severability & Waiver
If any provision of these Terms is found unenforceable, the remaining provisions remain in full force.
Failure to enforce any provision does not constitute a waiver.
17. Contact Information
Z Lend
For questions about these terms or our services, please contact us at support@zlend.co