Terms of Service

Welcome to AutoCoverageList.com ("Site"). These Terms of Service ("Terms," "Agreement") govern your use of this website, owned and operated by AutoCoverageList ("Company," "we," "us," or "our"). By accessing or using the Site, you accept these Terms and our Privacy Policy. If you do not agree to these Terms, please do not use the Site.

1. Nature of Our Service

AutoCoverageList is a lead generation and affiliate marketing platform that connects consumers with third-party lenders and financial service providers ("Partners") who may offer payday loans, installment loans, or other credit products. AutoCoverageList does not provide loans or credit decisions directly. We are not a lender, broker, or agent of any lender.

Submitting a form on our Site does not guarantee a loan offer, loan approval, or that you will be matched with any Partner.

2. Eligibility

To use this Site, you must:

• Be at least 18 years old (or the age of majority in your jurisdiction)
• Be a U.S. citizen or legal resident
• Have an active bank account
• Provide accurate, complete, and truthful information

3. Loan Request Process

By submitting your information through our Site, you authorize us to share your data with our network of Partners. These Partners may contact you via phone, text, email, or prerecorded message. You may receive loan offers, marketing communications, or other services.

Your submission constitutes your express written consent under the Telephone Consumer Protection Act (TCPA), CAN-SPAM Act, and other applicable laws.

4. No Guarantee of Approval or Loan Amount

We do not guarantee:

• That you will be matched with a lender or Partner
• That you will be approved for a loan
• That you will receive a particular loan amount or APR

Lenders and Partners may perform credit checks via national bureaus (Experian, Equifax, TransUnion) or alternative bureaus (DataX, Clarity). Loan terms, fees, and repayment conditions are determined solely by the lender.

5. Third-Party Websites and Services

Our Site may contain links to third-party websites. AutoCoverageList has no control over and assumes no responsibility for the content, policies, or practices of any third party. Any engagement with third-party services is at your own risk and governed by their terms.

6. Consent to Electronic Disclosures (E-SIGN Act)

By using this Site, you consent to receive all required disclosures, notices, and information electronically. You may withdraw this consent, but doing so may affect your ability to use certain services.

7. Recordation Technologies

We may use session recording tools, including technologies like Jornaya LeadiD or ActiveProspect TrustedForm, to monitor and verify user activity for compliance, fraud prevention, and analytics.

8. Intellectual Property

All content on this Site, including text, graphics, logos, and trademarks, are the property of AutoCoverageList or its licensors. Unauthorized use is prohibited.

9. Disclaimer of Warranties

The Site is provided on an "AS IS" and "AS AVAILABLE" basis. We make no warranties or representations, express or implied, regarding the operation or availability of the Site, accuracy of content, or likelihood of loan approval.

10. Limitation of Liability

To the fullest extent permitted by law, AutoCoverageList and its affiliates shall not be liable for any indirect, incidental, special, or consequential damages arising out of or related to your use of the Site or services.

11. Indemnification

You agree to indemnify and hold harmless AutoCoverageList, its partners, officers, employees, and agents from any claims, liabilities, losses, or expenses arising out of your violation of these Terms or your use of the Site.

12. State Availability and Tribal Lenders

Some lenders may not operate in all U.S. states. AutoCoverageList does not operate in or offer services to residents of states where payday loan services are prohibited. Some lenders may be Tribal Lending Entities (TLEs), governed by tribal law rather than state law. Terms may differ significantly. Please review all terms carefully.

13. Late Payments and Credit Reporting

Late or missed loan payments may negatively affect your credit score. Always review a lender's payment terms before accepting an offer.

14. Modifications to Terms

We reserve the right to update or revise these Terms at any time. The most recent version will be posted on the Site with the updated Effective Date. Continued use of the Site constitutes acceptance of any changes.

15. Governing Law and Dispute Resolution

These Terms are governed by the laws of the State of Delaware. Any disputes shall be resolved through binding arbitration under the rules of the American Arbitration Association. You waive your right to a class action.

16. Contact Information

If you do not agree with any part of these Terms, please exit the Site immediately.