📜 Terms of Use

Last Updated: October 17, 2025

Welcome to SpookyFast Loans. By accessing or using our website and services, you agree to be bound by these Terms of Use. Please read them carefully.

1. Acceptance of Terms

By using our website, you acknowledge that you have read, understood, and agree to be bound by these Terms of Use and our Privacy Policy. If you do not agree, please do not use our services.

2. Description of Services

SpookyFast Loans is a loan comparison and connection service. We are not a lender. We connect consumers with third-party lenders and lending partners who may offer loan products. We do not make lending decisions or guarantee loan approval.

3. Eligibility

To use our services, you must:

• Be at least 18 years of age
• Be a U.S. citizen or permanent resident
• Have a valid Social Security number
• Have a valid email address and phone number
• Have an active bank account

4. User Responsibilities

You agree to:

• Provide accurate, current, and complete information
• Maintain the security of your account credentials
• Notify us immediately of any unauthorized use
• Use our services only for lawful purposes
• Not attempt to interfere with or disrupt our services

5. Loan Requests and Applications

When you submit a loan request through our website:

• We will share your information with lenders in our network
• Lenders may contact you directly with loan offers
• You are under no obligation to accept any loan offer
• Each lender has its own terms, rates, and requirements
• You should carefully review all loan terms before accepting

6. Fees and Compensation

Our service is free to consumers. We may receive compensation from lenders and partners when you are connected with them or accept a loan offer. This compensation does not affect the terms of any loan you may receive.

7. No Guarantee of Loan Approval

We do not guarantee that:

• You will be matched with a lender
• Any lender will approve your loan request
• You will receive a specific loan amount or rate
• The loan terms will meet your expectations

8. Intellectual Property

All content on our website, including text, graphics, logos, and software, is the property of SpookyFast Loans or its licensors and is protected by copyright and trademark laws. You may not copy, reproduce, or distribute any content without our written permission.

9. Disclaimer of Warranties

Our services are provided "as is" and "as available" without warranties of any kind, either express or implied. We do not warrant that our services will be uninterrupted, error-free, or secure.

10. Limitation of Liability

To the fullest extent permitted by law, SpookyFast Loans shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising out of or related to your use of our services.

11. Indemnification

You agree to indemnify and hold harmless SpookyFast Loans and its affiliates from any claims, damages, losses, or expenses arising from your use of our services or violation of these Terms.

12. Third-Party Links

Our website may contain links to third-party websites. We are not responsible for the content, privacy practices, or terms of use of any third-party sites.

13. Modifications to Terms

We reserve the right to modify these Terms of Use at any time. Changes will be effective immediately upon posting. Your continued use of our services after changes are posted constitutes acceptance of the modified terms.

14. Termination

We may terminate or suspend your access to our services at any time, without notice, for any reason, including violation of these Terms.

15. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the United States and the state in which our business is registered, without regard to conflict of law principles.

16. Dispute Resolution

Any disputes arising from these Terms or your use of our services shall be resolved through binding arbitration in accordance with the rules of the American Arbitration Association.

17. Contact Information

If you have questions about these Terms of Use, please contact us at:

Email: legal@fastcashmatch.com
Phone: 1-800-SPOOKY-LOAN

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