Terms of Use

Important Notice: Please read these Terms of Use carefully before accessing our website, using our interactive loan estimation tools, or submitting an online loan request. Arrowhead Advance operates solely as a loan connection and informational platform—not a direct lender, credit broker, or financial institution.

1. Acceptance of Terms & Agreement

These Terms of Use ("Terms" or "Agreement") constitute a legally binding agreement between you ("User," "you," or "your") and Arrowhead Advance ("we," "us," or "our"), governing your access to and use of the website located at arrowheadnadvance.com, including all subpages, calculators, online inquiry forms, and associated digital services.

By accessing, browsing, or utilizing our website, tools, or referral services, you acknowledge that you have read, understood, and agreed to be bound by all terms, conditions, disclaimers, and notices contained herein, as well as our Privacy Policy. If you do not agree to these Terms, you must immediately discontinue use of this website.

2. Platform Description & Non-Lender Disclosure

Arrowhead Advance provides an online technology platform and financial resource center that connects interested consumers with independent third-party lending partners, financial service networks, and credit providers.

• Not a Lender or Broker: Arrowhead Advance is not a bank, credit union, lender, loan broker, or representative of any lending institution. We do not originate, fund, underwrite, service, or collect loans.
• No Credit Decisions: We do not make credit decisions, evaluate creditworthiness, or set terms, interest rates, APRs, fees, or repayment schedules.
• No Guarantee of Loan Offer: Submitting an inquiry on our website does not guarantee that you will be connected with a lender, matched with loan options, or approved for a loan. Approval criteria are determined solely by participating lenders.

3. User Eligibility & Geographic Scope

To access our website, use our tools, or submit a loan request inquiry, you represent and warrant that you satisfy all of the following criteria:

• You are a legal resident of the United States.
• You are at least 18 years of age (or the age of legal majority in your state of residence).
• You possess a valid Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN).
• You have an active checking or savings account in your name at an authorized financial institution.
• You maintain a steady, recurring source of verifiable income (e.g., employment, benefits, or self-employment).
• You possess the legal capacity to enter into binding contracts under applicable law.

4. Accuracy of Information & Prohibited Uses

When submitting any form or inquiry through our website, you agree to provide true, accurate, current, and complete information regarding yourself, your employment, your residence, and your financial status. You agree not to misrepresent your identity, impersonate any person, or submit fraudulent details.

You are strictly prohibited from:

• Using automated systems, scrapers, crawlers, or bots to harvest data or submit inquiries without prior written authorization.
• Attempting to bypass, disable, or tamper with security measures, encryption protocols, or verification controls on our website.
• Introducing viruses, malware, trojans, worms, or any malicious code designed to disrupt system integrity or compromise user data.
• Engaging in any activity that imposes an unreasonable or disproportionately large load on our servers or networking infrastructure.
• Using the platform for any unlawful, deceptive, fraudulent, or harassing purpose.

5. Credit Inquiries & Authorization to Share Data

By completing and submitting an online inquiry on Arrowhead Advance, you explicitly authorize us to transmit your submitted information to our network of participating third-party lenders, marketing partners, and financial service providers.

You acknowledge and agree that participating lenders may independently verify your identity, employment, banking records, and credit history. In doing so, lenders may perform:

• Soft Credit Inquiries: Typically used for initial pre-qualification and eligibility evaluation without impacting your consumer credit score.
• Hard Credit Inquiries: Performed when you officially proceed with a loan application on a lender’s platform, which may be recorded on your credit report and affect your credit score.
• Alternative Credit Reporting Checks: Inquiries through specialized consumer reporting databases (such as Teletrack, Clarity Services, DataX, or LexisNexis).

6. Loan Estimators, Calculators & Informational Content

All interactive calculators, payment estimators, APR charts, guides, and educational articles provided on this website are for informational, planning, and illustrative purposes only.

The figures, monthly payment estimates, and interest totals generated by our calculator are mathematical projections based on hypothetical user inputs and do not constitute an offer of credit, a loan pre-approval, or a commitment to lend. Actual annual percentage rates (APRs), origination fees, loan terms, and payment schedules are determined solely by the underwriting criteria of individual credit providers.

7. Electronic Communications & TCPA Consent

By providing your contact information and telephone number on our platform, you provide express written consent under the Telephone Consumer Protection Act (TCPA) and the E-SIGN Act to receive communications from Arrowhead Advance and our participating lending network.

• Communications may include emails, SMS/text messages, prerecorded voice messages, and automated telephone calls regarding your loan inquiry.
• Consent is not a mandatory condition of purchasing any goods or borrowing funds; however, electronic delivery is required to receive loan options online.
• Standard message and data rates from your mobile service provider may apply.
• You may opt out of promotional communications at any time by following the unsubscribe link in emails or replying "STOP" to text messages.

8. Intellectual Property & Proprietary Rights

All content, visual interfaces, graphics, brand logos, code, software, documentation, text, designs, and interactive calculators on this website are the intellectual property of Arrowhead Advance or its licensors and are protected by United States and international copyright, trademark, and trade secret laws.

You are granted a limited, revocable, non-exclusive, non-transferable license to access and view content solely for your personal, non-commercial use. You may not reproduce, modify, distribute, publish, license, create derivative works from, or sell any information obtained from this website without prior express written consent.

9. Third-Party Websites & External Hyperlinks

Our website contains links, buttons, and redirects to external websites operated by third-party lenders, credit bureaus, regulatory agencies, and educational resources. Arrowhead Advance does not operate, control, or endorse these third-party platforms.

When you leave our site and navigate to a lender’s platform, your interactions, applications, agreements, and data privacy are governed strictly by that third party's terms and privacy policies. We disclaim all responsibility and liability for the content, practices, accuracy, or products offered by third-party sites.

10. Disclaimer of Warranties

THE WEBSITE, ALL CONTENT, INTERACTIVE CALCULATORS, ESTIMATORS, AND REFERRAL SERVICES ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED.

TO THE FULLEST EXTENT PERMISSIBLE UNDER APPLICABLE LAW, ARROWHEAD ADVANCE DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, NON-INFRINGEMENT, AND ACCURACY. WE DO NOT WARRANT THAT THE WEBSITE WILL BE UNINTERRUPTED, ERROR-FREE, SECURE, OR FREE FROM VIRUSES OR HARMFUL COMPONENTS.

11. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, IN NO EVENT SHALL ARROWHEAD ADVANCE, ITS OFFICERS, DIRECTORS, EMPLOYEES, AFFILIATES, AGENTS, OR PARTNERS BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES ARISING OUT OF OR IN CONNECTION WITH:

• Your use of or inability to use the website, tools, or connection services.
• Any loan agreement, credit decision, terms, fees, interest rates, or collection practices of third-party lenders.
• Unauthorized access to or alteration of your transmissions or data.
• Errors, inaccuracies, delays, or interruptions in website content or calculated figures.

IN JURISDICTIONS THAT DO NOT ALLOW THE EXCLUSION OR LIMITATION OF CERTAIN DAMAGES, OUR TOTAL LIABILITY SHALL BE LIMITED TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, OR ONE HUNDRED U.S. DOLLARS ($100.00), WHICHEVER IS LESS.

12. Indemnification

You agree to defend, indemnify, and hold harmless Arrowhead Advance, its parent entities, subsidiaries, officers, directors, employees, contractors, agents, and licensors from and against any claims, damages, liabilities, losses, judgments, costs, and expenses (including reasonable attorneys' fees) arising out of or relating to your violation of these Terms, your misuse of the website, your submission of inaccurate or fraudulent information, or your violation of any third-party rights.

13. Governing Law & Dispute Resolution (Mandatory Arbitration)

These Terms of Use and any dispute arising out of or related to your use of this website shall be governed by and construed in accordance with the laws of the United States and applicable state law, without giving effect to any conflict of law principles.

Binding Arbitration: Any controversy, dispute, or claim arising out of or relating to these Terms or our services shall be settled by binding arbitration administered by the American Arbitration Association (AAA) in accordance with its Commercial Arbitration Rules.

Class Action Waiver: YOU AGREE THAT ANY CLAIMS MUST BE BROUGHT IN AN INDIVIDUAL CAPACITY AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS, COLLECTIVE, OR REPRESENTATIVE PROCEEDING.

14. Modifications, Severability & Entire Agreement

We reserve the right to revise, update, or modify these Terms of Use at any time without prior individual notice. Any modifications become effective immediately upon posting to this page, as reflected by the "Last updated" date. Your continued use of the website following such changes constitutes your acceptance of the updated Terms.

If any provision of these Terms is deemed unlawful, void, or unenforceable by a court of competent jurisdiction, that provision shall be deemed severable and shall not affect the validity and enforceability of the remaining provisions. These Terms and our Privacy Policy constitute the entire agreement between you and Arrowhead Advance regarding your use of this website.

15. Contact Information & Legal Notices

If you have any questions, concerns, or legal inquiries regarding these Terms of Use, please contact us: