Terms of Use

1. Acceptance of Terms & Electronic Contracting

Please read these Terms of Use ("Terms") thoroughly before accessing or utilizing the website located at jorancredit.com (the "Site"), operated by Jora Credit ("we," "us," or "our"). These Terms constitute a legally binding agreement between you ("User," "Borrower," or "you") and Jora Credit governing your access to our financial educational articles, comparison guides, interactive repayment calculators, and loan connection services.

By visiting, browsing, or submitting information through the Site, you acknowledge that you have read, understood, and agreed to be legally bound by these Terms and our Privacy Policy. In accordance with the Electronic Signatures in Global and National Commerce Act (E-SIGN Act), your electronic submission of forms or clicks on interactive buttons constitutes your valid legal signature and consent to conduct transactions electronically.

2. Nature of Services & Explicit Lender Disclosures

Jora Credit is NOT a lender, credit broker, loan officer, or underwriter. We do not issue installment loans, make credit decisions, review loan applications, or establish interest rates. We function exclusively as:

• An educational financial literacy hub explaining the operational mechanics, costs, and risks associated with installment credit and personal loans.
• An interactive calculator platform that demonstrates mathematical loan amortization models.
• A free referral and connection service that assists consumers in identifying potential participating third-party lenders or lending networks.

Submitting a preliminary loan inquiry on this Site does NOT constitute a loan application, a pre-approval, an offer of credit, or a commitment to lend. All credit approvals, Annual Percentage Rates (APRs), origination fees, loan limits ($500 up to $5,000), and repayment durations are determined solely and independently by participating lenders in accordance with their respective underwriting criteria and applicable state lending regulations.

3. User Eligibility & Permitted Use

To use our Site and submit loan inquiries, you represent, warrant, and covenant that:

• You are at least 18 years of age (or the legal age of majority in your state of residence, e.g., 19 in Alabama and Nebraska).
• You are a legal citizen or permanent resident of the United States residing in an eligible jurisdiction.
• You have a verifiable regular source of income (such as regular employment, self-employment, disability benefits, or retirement pension).
• You maintain a valid checking account in good standing with an insured financial institution.
• All information, contact details, and financial parameters you submit are accurate, truthful, and owned by you.
• You are accessing our services for personal, non-commercial financial needs.

4. Prohibited Activities & Security Violations

When interacting with the Site, you agree that you will not:

• Submit false, fraudulent, stolen, or deceptive personal, financial, or employment details.
• Use any robot, spider, scraper, deep-link, or automated data extraction tool to access, index, or duplicate Site content without our prior written authorization.
• Attempt to probe, scan, or test the vulnerability of our network, bypass authentication safeguards, or breach system security.
• Introduce software viruses, worms, Trojan horses, logic bombs, or malicious code designed to disrupt, overload, or degrade server operations.
• Impersonate any person, lending entity, corporate representative, or falsely claim affiliation with Jora Credit.
• Engage in any activity that infringes upon the intellectual property, copyright, or privacy rights of any party.

5. Loan Inquiries, Underwriting & Credit Bureau Inquiries

When you submit a loan inquiry through our Site:

• Transmission to Lenders: You authorize us to transmit your submitted inquiry parameters to participating third-party lenders, lending aggregators, and financial networks in real time.
• Soft Inquiries: Many participating providers initially perform a "soft credit check" or alternative database search (such as Clarity, DataX, or LexisNexis) to gauge preliminary eligibility, which does not affect your FICO credit score.
• Hard Inquiries upon Formal Application: If you review a lender's preliminary options and decide to proceed with a formal loan agreement, that lender may require a full credit report pull (hard inquiry) with major credit bureaus (Equifax, Experian, TransUnion). Hard inquiries may temporarily lower your credit score by a few points.
• Independent Underwriting: Participating lenders maintain exclusive authority to accept, decline, or modify any terms based on debt-to-income ratios, credit history, state rate caps, and internal risk models.

6. Financial Calculators & Estimations Disclaimer

The loan repayment calculators, APR comparisons, and amortization schedules provided on our Site (including in the Loan Calculator and Quick Estimator) are mathematical educational simulations designed to help you understand installment repayment dynamics:

• Results generated by these tools represent standard mathematical formulas based on user-entered values (principal amount up to $5,000, estimated APR, and repayment term).
• Estimates do not include potential state-regulated administrative fees, late payment charges, or non-sufficient funds (NSF) penalties that a specific lender may assess.
• Calculator results do not constitute financial advice, an underwriting commitment, a rate quote, or a guarantee of specific terms from any financial institution.

7. Communications Consent & TCPA Disclosure

By providing your telephone number, email address, or submitting an inquiry on our Site, you provide your express written consent under the Telephone Consumer Protection Act (TCPA) and applicable state laws:

• You authorize Jora Credit and its participating lending partners to contact you via telephone calls, automated telephone dialing systems (ATDS), artificial or prerecorded voice messages, text messages (SMS), and electronic mail regarding your loan inquiry.
• You acknowledge that consent is not a mandatory condition of purchasing any goods, services, or credit products.
• Standard cellular carrier message and data rates may apply.
• You may opt out of promotional email communications at any time by clicking the "Unsubscribe" link in any email, or reply "STOP" to text messages to revoke SMS consent.

8. Intellectual Property & Limited License

All materials on the Site—including site architecture, text, graphics, logos, button icons, images, data compilations, software code, and visual styling—are the exclusive intellectual property of Jora Credit or its licensors, protected by United States and international copyright, trademark, and trade secret laws.

We grant you a limited, non-exclusive, non-transferable, revocable license to access and view Site content for personal, non-commercial purposes. You may not reproduce, duplicate, distribute, sell, modify, mirror, or create derivative works from any part of the Site without our prior express written permission.

9. Third-Party Websites & Independent Lender Links

Our Site may contain links, referral buttons, and iframes redirecting to third-party lending websites, educational credit resources, and financial organizations. These third-party sites operate independently from Jora Credit:

• We do not control, endorse, monitor, or guarantee the content, terms, underwriting practices, or privacy standards of any third-party website.
• Any loan contract, promissory note, fee agreement, or customer service interaction you enter into with a third-party lender is strictly between you and that lender.
• We urge you to carefully review the Truth in Lending Act (TILA) disclosures, privacy policies, and loan contracts of any lender before executing an agreement.

10. Disclaimer of Warranties

11. Limitation of Liability

TO THE FULLEST EXTENT PERMITTED UNDER APPLICABLE LAW, IN NO EVENT SHALL JORA CREDIT, ITS OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, AFFILIATES, OR LICENSORS BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, EXEMPLARY, PUNITIVE, OR CONSEQUENTIAL DAMAGES WHATSOEVER—INCLUDING LOSS OF PROFITS, LOSS OF REVENUE, LOSS OF DATA, GOODWILL, OR BUSINESS INTERRUPTION—ARISING OUT OF OR IN CONNECTION WITH:

• Your use of, or inability to use, the Site or financial tools.
• Any credit decisions, interest rates, fees, or loan terms imposed by independent third-party lenders.
• Any actions, omissions, or failures of participating lending partners.
• Unauthorized access, breach, or alteration of your inquiry data during external transmission.

IN ALL CIRCUMSTANCES, JORA CREDIT'S TOTAL AGGREGATE LIABILITY ARISING FROM THESE TERMS OR YOUR USE OF THE SITE SHALL NOT EXCEED ONE HUNDRED U.S. DOLLARS ($100.00).

12. Indemnification

You agree to defend, indemnify, and hold harmless Jora Credit, its parent companies, subsidiaries, affiliates, officers, directors, agents, and employees from and against any claims, liabilities, damages, losses, costs, and expenses (including reasonable attorneys' fees and litigation costs) arising out of or in any way connected with: (a) your access to or misuse of the Site; (b) your violation of these Terms; (c) your violation of any third-party rights, including intellectual property or privacy rights; or (d) any inaccurate or fraudulent information provided by you in connection with a loan inquiry.

13. Dispute Resolution, Binding Arbitration & Class Action Waiver

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

• Informal Negotiation: Prior to initiating arbitration, you and Jora Credit agree to attempt in good faith to resolve any dispute, claim, or controversy informally by providing written notification to [email protected].
• Mandatory Binding Arbitration: If the dispute is not resolved within sixty (60) calendar days, any controversy or claim arising out of or relating to these Terms or the Site shall be resolved through binding individual arbitration administered by the American Arbitration Association (AAA) under its Consumer Arbitration Rules.
• Waiver of Jury Trial & Class Actions: YOU AND JORA CREDIT AGREE THAT DISPUTES WILL BE RESOLVED ON AN INDIVIDUAL BASIS AND NOT IN A CLASS, CONSOLIDATED, OR REPRESENTATIVE ACTION. YOU EXPRESSLY WAIVE ANY RIGHT TO A JURY TRIAL OR TO PARTICIPATE AS A CLASS REPRESENTATIVE OR CLASS MEMBER IN ANY PURPORTED CLASS LITIGATION.

14. Governing Law & Severability

These Terms of Use and any legal dispute arising hereunder shall be governed by, and construed in accordance with, the laws of the United States and the applicable state laws, without giving effect to conflict-of-law principles.

If any provision of these Terms is deemed unlawful, void, or for any reason unenforceable by a court of competent jurisdiction or arbitrator, that provision shall be deemed severable from these Terms and shall not affect the validity and enforceability of any remaining provisions.

15. Modifications to Terms

We reserve the right to revise, amend, or replace these Terms of Use at our sole discretion at any time. When modifications occur, we will update the "Last Updated" date at the top of this page. Your continued use of the Site after revised terms have been posted signifies your acceptance of and agreement to the modified Terms.

16. Legal Inquiries & Official Contact

If you have any questions, legal notices, or concerns regarding these Terms of Use, please communicate in writing with our legal compliance department: