Terms of Use

1. Acceptance of Terms & Eligibility Requirements

Welcome to White Pine Lending ("White Pine", "we", "us", or "our"). These Terms of Use, together with our Privacy Policy, govern your access to and use of our website (whitenpinelending.com), interactive financial tools, content, and loan connection services.

By accessing, browsing, or submitting an inquiry through our platform, you acknowledge that you have read, understood, and agree to be bound by these Terms of Use in their entirety. If you do not agree to these terms, you must immediately cease accessing and using this website.

Eligibility Criteria

By using this website or submitting a loan inquiry, you represent and warrant that:

• You are at least 18 years of age (or the age of legal majority in your state of residence).
• You are a legal resident of the United States.
• You have the legal capacity to enter into a binding contractual agreement.
• You are accessing this website for personal, non-commercial financial planning or loan inquiry purposes.

2. Referral Service Scope & Non-Lender Disclaimer

PLEASE READ CAREFULLY: White Pine Lending is an independent online loan referral and connection marketplace. We are NOT a lender, creditor, bank, loan broker, or depository institution.

We do not originate loans, issue credit approvals, commit funds, or make underwriting decisions. Our service is designed solely to connect consumers seeking installment loan options with independent, third-party lenders and financial service providers within our participating network.

• No Fee Charged to You: White Pine Lending does not charge consumers any fee to use our website, tools, or referral services. We may receive compensation from participating lending partners when users are connected with their loan offers.
• No Guarantee of Offers: Submitting a loan inquiry does not guarantee that you will receive an offer, be matched with a lender, or receive loan approval. Participating lenders evaluate applications independently based on their proprietary credit criteria.
• Independent Terms: Any loan agreement, interest rate (APR), monthly repayment schedule, fees, and penalties are established solely between you and the specific lender that funds your loan. White Pine Lending is not a party to any loan agreement.

3. Accuracy of Information & Prohibited User Conduct

In consideration of your use of our platform, you agree to provide true, accurate, current, and complete personal and financial information when completing any form or inquiry on our website.

Prohibited Activities

You agree not to engage in any of the following unauthorized activities:

• Submitting false, fraudulent, deceptive, or misleading information or impersonating any individual or entity.
• Using automated bots, scrapers, crawlers, or harvesting tools to extract data, content, or code from our website.
• Attempting to interfere with, disrupt, overload, or compromise the security, integrity, or functionality of our web servers or networks.
• Submitting loan requests on behalf of third parties without their express written authorization.
• Using the website for any unlawful, predatory, or unauthorized commercial purpose.

4. Electronic Communications & E-SIGN Act Consent

By submitting your inquiry on White Pine Lending, you provide your affirmative consent to receive disclosures, notices, records, and communications electronically pursuant to the Electronic Signatures in Global and National Commerce Act (E-SIGN Act, 15 U.S.C. § 7001 et seq.).

Electronic communications may be delivered via email to your designated address, posted directly on this website, or transmitted by participating lenders via secure portal interfaces. You have the right to request paper copies of legally mandated disclosures from the specific lender with whom you execute an agreement.

5. TCPA Consent & Automated Communications

By providing your telephone number and clicking the submission button on our forms, you grant your express written consent under the Telephone Consumer Protection Act (47 U.S.C. § 227) authorizing White Pine Lending and our network of participating lenders to contact you at the telephone number provided regarding your loan request.

• Contact methods may include live representative calls, automated dialing equipment, SMS/text messages, and pre-recorded voice messages.
• Standard message and data rates charged by your wireless carrier may apply.
• Consent to receive marketing calls or text messages is not a mandatory condition of receiving a loan offer. You may opt out of SMS communications at any time by replying "STOP".

6. Financial Calculators & Educational Tools Disclaimer

All interactive financial calculators, amortization charts, payment estimators, and educational articles provided on this website are made available solely for general illustrative and educational purposes.

Estimates produced by our calculators (including estimated monthly payments, APR calculations, and amortization schedules) are hypothetical simulations based on user-entered variables. They do not constitute financial advice, credit counseling, legal counsel, or a formal quote from any lender. Actual loan terms will depend on your verified financial profile and the final terms offered by your matched lender.

7. Intellectual Property & Proprietary Rights

All content, visual interfaces, graphics, logos, icons, formulas, software code, calculator scripts, and layout designs on this website are the proprietary property of White Pine Lending and are protected under United States and international copyright, trademark, and intellectual property laws.

You are granted a limited, non-exclusive, revocable license to access and use the website for personal, non-commercial purposes. You may not copy, reproduce, distribute, republish, create derivative works from, or publicly display any portion of this website without our prior express written permission.

8. Third-Party Websites & Independent Lenders

Our website contains hyperlinks and redirects to websites operated by independent third-party lenders, credit bureaus, and verification providers. Once you leave our website or are redirected to a lender's application portal:

• White Pine Lending exercises no control over the content, terms, security, or privacy practices of external third-party websites.
• We do not endorse, guarantee, or assume liability for any products, services, terms, representations, or actions of third-party lenders.
• You should thoroughly examine the privacy policy and terms of use of any third-party website before executing a loan agreement.

9. Disclaimer of Warranties

THIS WEBSITE, ALL CONTENT, INTERACTIVE CALCULATORS, MATERIALS, AND SERVICES ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS, WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED.

TO THE FULLEST EXTENT PERMISSIBLE UNDER APPLICABLE LAW, WHITE PINE LENDING DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, AND ACCURACY OF INFORMATION.

WE DO NOT WARRANT THAT THE WEBSITE WILL OPERATE UNINTERRUPTED OR ERROR-FREE, THAT DEFECTS WILL BE CORRECTED, OR THAT THE SITE IS FREE OF VIRUSES OR HARMFUL COMPONENTS.

10. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL WHITE PINE LENDING, ITS AFFILIATES, OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, OR LICENSORS BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO LOSS OF PROFITS, LOSS OF DATA, LOSS OF GOODWILL, OR BUSINESS INTERRUPTION, ARISING OUT OF OR IN CONNECTION WITH:

• YOUR ACCESS TO, USE OF, OR INABILITY TO USE THE WEBSITE OR TOOLS;
• ANY TRANSACTIONS, DISPUTES, OR AGREEMENTS ENTERED INTO WITH THIRD-PARTY LENDERS;
• ANY UNAUTHORIZED ACCESS TO OR ALTERATION OF YOUR TRANSMISSIONS OR DATA; OR
• ANY STATEMENTS, ACTIONS, OR OMISSIONS OF ANY THIRD PARTY ON OUR PLATFORM.

IN NO EVENT SHALL OUR TOTAL AGGREGATE LIABILITY TO YOU FOR ALL CLAIMS ARISING OUT OF THESE TERMS EXCEED ONE HUNDRED UNITED STATES DOLLARS ($100.00 USD).

11. Indemnification

You agree to defend, indemnify, and hold harmless White Pine Lending, its parent entities, subsidiaries, officers, directors, employees, agents, and licensors from and against any claims, liabilities, damages, losses, judgments, costs, and expenses (including reasonable attorneys' fees) arising out of or related to:

• Your violation of these Terms of Use or applicable federal, state, or local laws;
• Any inaccurate, fraudulent, or deceptive information provided in your loan inquiry;
• Your infringement of any intellectual property, privacy, or proprietary rights of any third party; or
• Your interactions or transactions with any participating lending partner.

12. Mandatory Dispute Resolution & Binding Arbitration

PLEASE READ THIS SECTION CAREFULLY. IT AFFECTS YOUR LEGAL RIGHTS, INCLUDING YOUR RIGHT TO FILE A LAWSUIT IN COURT.

Any controversy, claim, or dispute arising out of or relating to these Terms of Use, your use of the website, or any services provided by White Pine Lending shall be resolved through final and binding individual arbitration administered by the American Arbitration Association (AAA) under its Consumer Arbitration Rules, rather than in court.

• Arbitration Venue: Arbitration shall be conducted on an individual basis before a single neutral arbitrator. The arbitration shall take place in the county of your residence or another mutually agreed upon location.
• Arbitrator's Authority: The arbitrator shall have exclusive authority to resolve all disputes regarding the interpretation, applicability, enforceability, or formation of this arbitration agreement.
• Small Claims Exception: Either party may assert claims in small claims court if the claims qualify and remain on an individual, non-representative basis.

13. Class Action Waiver & Jury Trial Waiver

YOU AND WHITE PINE LENDING AGREE THAT ANY DISPUTE RESOLUTION PROCEEDINGS WILL BE CONDUCTED ONLY ON AN INDIVIDUAL BASIS AND NOT IN A CLASS, CONSOLIDATED, MASS, OR REPRESENTATIVE ACTION.

YOU EXPRESSLY WAIVE ANY RIGHT TO COMMENCE OR PARTICIPATE IN ANY CLASS ACTION, PRIVATE ATTORNEY GENERAL ACTION, OR ARBITRATION AGAINST WHITE PINE LENDING. YOU ALSO EXPRESSLY WAIVE ANY RIGHT TO A TRIAL BY JURY IN ANY PROCEEDING ARISING UNDER THESE TERMS.

14. Governing Law & Jurisdiction

These Terms of Use, your access to our website, and any disputes arising hereunder shall be governed by and construed in accordance with the laws of the State of Delaware, without giving effect to any principles of conflicts of law that would require the application of the laws of another jurisdiction.

15. Severability & Entire Agreement

If any provision of these Terms of Use is found by an arbitrator or court of competent jurisdiction to be invalid, illegal, or unenforceable, that provision shall be enforced to the maximum extent permissible, and the remaining provisions of these Terms shall remain in full force and effect.

These Terms of Use, together with our Privacy Policy and any official disclosures on the website, constitute the entire agreement between you and White Pine Lending concerning your use of the website and services.

16. Policy Modifications & Legal Contact

We reserve the right to revise, update, or modify these Terms of Use at our sole discretion at any time. When modifications are made, we will update the "Effective Date" at the top of this page. Your continued use of the website after such changes constitutes your acceptance of the revised Terms of Use.