Terms of use

Agreement to these terms

The website dinoloan.com is owned and operated by ArHa, Inc. ("Dino Loan," "we" or "us"). These Terms of Use ("Terms") are an agreement between you and Dino Loan. They apply to dinoloan.com, the Dino Loan application and the messages we send.

By using the site or submitting a request, you agree to these Terms and to our Privacy Policy. If you do not agree, do not use the site. The section on disputes explains which law applies and where a dispute with us is decided.

Who can use Dino Loan

To use Dino Loan, you must:

• Be at least 18 years old, or older if your state sets a higher age to sign a contract.
• Live in the United States, in a state where Dino Loan is available. Today that is California.
• Submit a request only for yourself, using your own information.
• Be able to enter into a binding agreement.

What Dino Loan is

Dino Loan is a free online service. We collect your loan request, from $100 to $5,000, and share it with lenders and lending partners in our network so that one of them can offer you a loan.

A request is not a loan application. If a lender wants to make you an offer, you apply with that lender on its own site, and the lender decides whether to lend to you.

What Dino Loan is not

Dino Loan is not a lender. We do not make loans or credit decisions, we do not broker or arrange loans, and we are not an agent or representative of any lender or lending partner. We do not endorse any lender or loan product.

We do not give financial, legal, tax or credit counseling advice, and we do not repair credit. Decisions about borrowing are yours.

Your information must be accurate

When you submit a request, you promise the following. Wrong or incomplete information can stop you from being matched, and we may report false information or fraud to the authorities.

• Everything you tell us is true, accurate, complete and current.
• The request is for you, and the information is your own.
• You have the right to use the phone number, email address and bank account you give us.

Sharing your request

By submitting a request, you ask and authorize Dino Loan to share the information in it with one or more lenders and lending partners in our network, so they can review it and decide whether to offer you a loan. Lending partners may include other loan matching services that work with their own lenders. We do not work with any lending partners today.

We may offer your request to partners one after another, in an order that can depend on what they pay us. Each partner that receives your request may keep and use it under its own privacy policy. We do not share your information with marketing partners.

Credit report authorization

By checking the credit report authorization box, you give written instructions under the Fair Credit Reporting Act allowing the lenders in our network that review your request to obtain consumer report information about you from one or more consumer reporting agencies, such as a major credit bureau or a specialty bureau that serves short term lenders. They may use it to verify your identity, review your request and decide whether to make you an offer.

Dino Loan does not obtain consumer reports itself. Each lender that reviews your request may obtain this information, and a credit inquiry may affect your credit score.

Contact about your request

By submitting a request, you agree that Dino Loan may contact you about it by email or text, and that any lender or lending partner that reviews your request may contact you about it by email, phone call or text, at the email address and phone numbers you gave.

Marketing texts and emails

Marketing messages are optional. If you check the marketing box, you give your express written consent for Dino Loan to send you marketing texts at the mobile number you gave, including texts sent with automated technology, and marketing emails. This consent covers messages from Dino Loan only. It applies even if your number is on a federal, state or company Do Not Call list.

Your consent is not a condition of getting a loan or buying anything. Message frequency varies, and message and data rates may apply. You can withdraw your consent at any time by replying STOP to a text, using the unsubscribe link in an email, or contacting us. See Unsubscribe.

You confirm that you are the subscriber or regular user of the mobile number you gave, and that you will tell us if it changes. Mobile carriers are not responsible for delayed or undelivered messages.

Electronic records and signatures

You agree to get records electronically and to sign electronically, as our Electronic Consent explains.

No guarantee of a match

Lenders and lending partners make their own decisions, and you never have to accept an offer. Dino Loan does not guarantee that:

• We will find a lender or lending partner for your request.
• A lender will make you an offer or approve you.
• You will be offered the amount you asked for, or any particular rate or term.
• The offer you get is the best one available to you.

Lenders and other sites

When you continue to a lender's site, you leave Dino Loan. The lender's terms, privacy policy and loan agreement apply there. Dino Loan is not a party to any loan, and we are not responsible for a lender's offers, decisions, loans, servicing or collection. Questions and complaints about a loan go to the lender.

Our site may link to other sites we do not control. We are not responsible for their content, privacy practices or terms, and you use them at your own risk.

Fees

Dino Loan is free for consumers. We are paid by lenders and other partners, as our Ad Disclosure explains.

Prohibited use

You agree not to do any of the following. If we believe you have, we may block your access or refuse your request.

• Give false information, or use someone else's information.
• Pretend to be another person or company.
• Use bots, scripts or other automated tools to visit the site or submit requests.
• Collect requests or other people's information to sell or reuse.
• Copy, scrape or resell any part of the site.
• Try to get into systems you are not allowed to use, or test, probe or break the site's security.
• Interfere with the site, or upload anything harmful, such as malware.
• Use the site for anything illegal or fraudulent.

Our content and trademarks

Dino Loan, DinoLoan.com and the Dino Loan logo are trademarks of ArHa, Inc., and our dino mascot, text, graphics and the design of the site belong to Dino Loan or to the companies that license them to us. You may view the site for your own personal use. You may not copy, change, share or sell any of it without our written permission. Other names and marks on the site belong to their owners.

Privacy

Our Privacy Policy and CCPA Notice explain what information we collect, how we use and share it, and your rights. They are part of these Terms.

Disclaimers

Dino Loan is provided as is and as available. To the fullest extent the law allows, we make no promises or warranties of any kind, express or implied, including warranties of merchantability, fitness for a particular purpose and noninfringement.

We do not promise that the site will always be available or free of errors, or that the information on it is complete or current. Rates, amounts and examples are estimates only.

Limitation of liability

To the fullest extent the law allows, Dino Loan and its owners, employees and agents are not liable for any indirect, incidental, special, consequential or punitive damages arising from your use of the site. This includes losses from a lender's decision to deny credit, from the terms of any loan, or from anything a lender or other third party does.

Where the law allows, our total liability for any claim about the site or these Terms is limited to $100. Some laws do not allow these limits, so they apply to you only as far as the law allows.

Indemnity

You agree to cover the losses and costs, including reasonable lawyers' fees, that Dino Loan and its owners, employees and agents have because of a claim caused by false information you gave, your misuse of the site, or your breaking these Terms or the law.

Disputes and governing law

California law governs these Terms and any dispute between you and Dino Loan about the site or these Terms. These Terms do not include an arbitration agreement. Any such dispute will be decided in the courts of California.

Changes to the site and these terms

We may change the site or these Terms at any time. When we change these Terms, we post the new version here with a new date at the top, and we ask for your consent when the law requires it. Changes apply to your use of the site after they are posted, not to a request you already submitted.

Other terms

• These Terms, with the policies they mention, are the whole agreement between you and Dino Loan about the site.
• If a court finds part of these Terms unenforceable, the rest still applies.
• If we do not enforce a term right away, we can still enforce it later.
• We may suspend or stop the site, or your access to it, at any time.
• Sections that by their nature should last, such as the disclaimers and limits of liability, continue after you stop using the site.
• You may not transfer your rights under these Terms. We may transfer ours, for example in a merger or sale.

Contact us

Questions about these Terms? Email support@dinoloan.com.