Last Updated: [9/5/2024]
Effective Date: [9/5/2024]
Welcome to Hardship Financial, LLC (“Hardship Financial,” “we,” “us,” or “our”). By accessing or using hardshipfinancial.com (the “Site”) or any related services provided by Hardship Financial (collectively, the “Services”), you agree to comply with and be bound by these Terms of Use (the “Terms”). If you do not agree to these Terms, please do not use the Site or Services.
These Terms, together with our Privacy Policy and any other legal notices or agreements published by us on the Site, constitute the entire agreement between you and Hardship Financial regarding your use of the Site and Services.
By accessing or using our Site and Services, you agree to be legally bound by these Terms. If you are entering into this agreement on behalf of an entity, you represent that you have the authority to bind that entity to these Terms.
We reserve the right to modify or update these Terms at any time. The “Last Updated” date at the top of this page indicates when the most recent revisions were made. Continued use of the Site after such changes will signify your acceptance of the modified Terms. It is your responsibility to review these Terms periodically for any updates or changes.
By using our Site, you represent that you:
Hardship Financial provides services that help users find financial relief solutions, including but not limited to, debt resolution services, loan matching, financial tools, and educational resources. While we aim to provide accurate and reliable information, we do not guarantee the accuracy, completeness, or usefulness of any information or services provided.
Hardship Financial does not offer loans, provide legal or tax advice, or guarantee any specific financial outcome.
Some features of our Site may require you to create an account. When registering an account, you agree to:
Hardship Financial reserves the right to suspend or terminate accounts that violate these Terms or our policies.
Subject to these Terms, Hardship Financial grants you a limited, non-exclusive, non-transferable, and revocable license to access and use the Site for personal, non-commercial use. You agree not to:
We reserve all rights not expressly granted in these Terms.
You may have the opportunity to post, submit, or otherwise contribute content, including but not limited to testimonials, reviews, and comments (“User Content”). By submitting User Content, you agree that:
We reserve the right to remove any User Content that violates these Terms or is deemed inappropriate.
All content and materials on the Site, including text, graphics, logos, icons, images, audio clips, and software, are the property of Hardship Financial or its licensors and are protected by intellectual property laws.
You may not use, copy, modify, or distribute any part of the Site or its content without prior written permission from Hardship Financial. Unauthorized use of any content may violate copyright, trademark, and other applicable laws.
Our Site may contain links to third-party websites, services, or resources that are not owned or controlled by Hardship Financial. We are not responsible for the content or practices of any third-party sites or services. The inclusion of any third-party link does not imply endorsement by Hardship Financial.
Your use of third-party websites or services is subject to the terms and privacy policies of those third parties.
Disclaimer of Warranties:
The Site and Services are provided on an “as-is” and “as available” basis without any warranties of any kind, express or implied. Hardship Financial disclaims all warranties, including but not limited to, implied warranties of merchantability, fitness for a particular purpose, and non-infringement.
We do not guarantee that:
Limitation of Liability:
To the fullest extent permitted by law, Hardship Financial, its affiliates, directors, employees, and agents will not be liable for any indirect, incidental, special, consequential, or punitive damages arising from:
In no event will Hardship Financial’s total liability exceed the amount paid by you, if any, for accessing the Site or Services in the six (6) months preceding the claim.
You agree to indemnify, defend, and hold harmless Hardship Financial, its affiliates, directors, officers, employees, and agents from any claims, liabilities, damages, losses, costs, or expenses (including reasonable attorneys’ fees) arising out of or related to your:
We reserve the right to terminate or suspend your access to the Site and Services, without notice, for any reason, including but not limited to:
Upon termination, you will no longer have access to your account, and any licenses granted to you under these Terms will be immediately revoked.
Governing Law:
These Terms and any disputes arising out of or related to these Terms or the Site will be governed by the laws of the State of Wyoming, without regard to its conflict of law principles.
Arbitration:
Any dispute, claim, or controversy arising out of or relating to these Terms or the Site will be resolved through binding arbitration in accordance with the rules of the American Arbitration Association. The arbitration will take place in Sheridan, Wyoming, and the arbitrator’s decision will be final and binding.
Class Action Waiver:
You agree that any arbitration or legal proceeding will be conducted on an individual basis and not as a class, consolidated, or representative action. You waive the right to participate in any class or representative action.
Entire Agreement:
These Terms, together with our Privacy Policy and any other agreements or notices posted on the Site, constitute the entire agreement between you and Hardship Financial regarding your use of the Site and Services.
Severability:
If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions will remain in full force and effect.
No Waiver:
Failure to enforce any right or provision of these Terms will not constitute a waiver of such right or provision.
If you have any questions, concerns, or complaints about these Terms, please contact us at:
Hardship Financial, LLC
30 N Gould St Ste R, Sheridan, WY 82801, USA
Email: info@hardshipfinancial.com
Phone: 1-888-279-2106
DISCLAIMER: Hardship Financial, LLC (“we,” “us,” or “our”) connects users with third-party financial services and is not a lender or credit decision-maker. We may earn compensation from partners for referrals, but this doesn’t affect your costs. Lenders are responsible for their own terms, and you agree to their policies when using their services. Tribal lenders may have higher rates and operate under different laws. Your information may be shared with multiple lenders or marketers. Loans typically range from $1,000 to $50,000 with APRs between 6.99% and 35.99%. We don’t guarantee loan offers or approvals, and some services may not be available in all states. We follow best practices, do not discriminate, and limit our liability for any issues arising from using this website or third-party services. Please review our Privacy Policy for how your data is handled, and note that by continuing to use this site, you accept any updates to this disclaimer.
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