Terms of Service

These Terms of Service are an agreement between you and Venero Ventures LLC, the Texas limited liability company that operates this site under the trade name EconoCents (“EconoCents”, “we”, “us”).

What EconoCents is — and is not

EconoCents publishes educational content about personal finance and operates a loan-matching service. We are not a lender, loan broker, or agent of any lender or broker. We do not make loans, take loan applications on a lender’s behalf, make credit decisions, or charge you any fee. When you submit a loan request, we transfer the information you provide to the lending networks you select, and those networks and their participating lenders compensate us for it.

By using this site you agree to these terms.

Eligibility

The service is available only to US residents who are at least 18 years old. The service is not available in all states, and individual loan products carry their own state restrictions; your lender will confirm eligibility during the application process.

No guarantee of matching or credit

Submitting a loan request is not an application for credit with any specific lender. We do not guarantee that you will be matched with a lender, receive an offer, or be approved for any amount, rate, or term. Any rates or figures shown on this site are examples only.

The loan is between you and the lender

If a lender makes you an offer and you accept it, the resulting loan agreement is solely between you and that lender. The lender — not EconoCents — is responsible for its loan terms, disclosures, fees, and conduct. Direct any dispute about a loan, an offer, or a lender’s communications to that lender. We encourage you to read every loan document carefully before signing.

Marketing communications and opting out

You may revoke any communications consent you gave through this site at any time, by any reasonable method — including replying STOP to a text message, following the unsubscribe instructions in an email, or contacting us via the Contact page. See our Privacy Policy for how to opt out of the sale or sharing of your personal information.

Acceptable use

You agree to submit only accurate information about yourself, and not to use the site for any unlawful purpose, to submit information about another person without authority, or to interfere with the operation of the service.

Intellectual property

Site content (text, graphics, branding) belongs to EconoCents or its licensors and may not be reproduced commercially without permission.

Disclaimers

The site and service are provided “as is”. Editorial content is general information, not financial, legal, or tax advice. Loan availability, rates, and terms are set by lenders, change without notice, and vary by state.

Limitation of liability

To the maximum extent permitted by law, EconoCents is not liable for any indirect, incidental, or consequential damages arising from use of this site, the loan-matching service, or any loan product referenced or offered by a lender.

Governing law

These terms are governed by the laws of the State of Texas, without regard to conflict-of-law rules.

Changes

We may update these terms from time to time; the date above reflects the latest revision. Continued use of the site after changes constitutes acceptance.

Contact

Questions about these terms: see our Contact page.