PRIME LENDINGS

1. Introduction and Overview

Prime Lendings LLC ("Prime Lendings," "we," "our," or "us") operates an online loan marketplace platform ("Platform") that connects borrowers with a network of licensed lenders, financial institutions, credit unions, and lending partners ("Lenders"). We function as an intermediary marketplace — similar in model to leading lending marketplaces — and do not directly originate, fund, or service loans.

These Terms of Policy ("Terms") govern your access to and use of the Prime Lendings website, mobile applications, and all related services (collectively, the "Services"). By creating an account, submitting a loan inquiry, or otherwise accessing the Platform, you confirm that you have read, understood, and agree to these Terms.

2. Eligibility Requirements

To use the Prime Lendings Platform, you must meet all of the following eligibility requirements:

• Be at least 18 years of age (19 in Alabama and Nebraska; 21 in Puerto Rico)
• Be a legal resident or citizen of the United States
• Have a valid Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN)
• Have an active checking or savings account at a U.S. financial institution
• Not be in active bankruptcy proceedings or have had a bankruptcy discharged within the past 12 months
• Not be located in a state where the requested loan type is prohibited by law
• Provide accurate, truthful, and complete information throughout the application process

Prime Lendings reserves the right to deny access to the Platform at its sole discretion based on compliance, risk, or regulatory requirements.

3. Nature of Our Services

3.1 Marketplace Role

Prime Lendings is a loan marketplace and lead generation platform. We are NOT a lender. We do not make credit decisions, set loan terms, determine interest rates, or disburse funds. Our role is limited to:

• Collecting your loan request and personal/financial information
• Matching your profile against our network of partner Lenders
• Transmitting your information to one or more Lenders for their independent review
• Facilitating communication between you and interested Lenders

3.2 Loan Products Available

Through our Lender network, Prime Lendings may facilitate access to the following loan types (subject to availability in your state):

• Personal Loans (unsecured) — $1,000 to $100,000
• Home Equity Loans & HELOCs — up to $500,000
• Mortgage & Refinance Loans
• Auto Loans & Refinancing
• Small Business Loans
• Student Loan Refinancing
• Debt Consolidation Loans

3.3 No Guarantee of Loan Approval

Submitting a loan request through Prime Lendings does not guarantee that you will receive a loan offer. Approval, rates, terms, and conditions are determined solely by the individual Lender based on their proprietary underwriting criteria.

4. User Accounts & Registration

When you create an account on Prime Lendings, you agree to:

• Provide accurate, current, and complete registration information
• Maintain and promptly update your account information
• Keep your login credentials confidential and secure
• Accept responsibility for all activity that occurs under your account
• Notify Prime Lendings immediately of any unauthorized account access at security@primelendings.com

One account per person is permitted. You may not create or use accounts on behalf of others without proper legal authorization (e.g., power of attorney). Prime Lendings reserves the right to suspend or terminate accounts that violate these Terms.

5. Privacy Policy & Data Use

5.1 Information We Collect

To match you with Lenders, we collect personal, financial, and technical information including but not limited to:

• Identity: Full legal name, date of birth, government-issued ID, SSN/ITIN
• Contact: Email address, phone number, mailing address
• Financial: Employment status, annual income, monthly expenses, existing debts, credit score range
• Banking: Bank account type, routing information (for verification purposes)
• Technical: IP address, device identifiers, browsing behavior on our Platform

5.2 How We Use Your Information

Your information is used to: match you with suitable Lenders; verify your identity; comply with applicable laws; improve our Platform; and communicate with you about your loan inquiry and related products.

5.3 Information Sharing

By using the Platform, you expressly consent to Prime Lendings sharing your information with:

• Lender partners in our marketplace network
• Credit reporting agencies for soft and hard credit inquiries
• Third-party service providers (identity verification, fraud prevention, analytics)
• Government and law enforcement agencies as required by law

We do not sell your personal information to unaffiliated third parties for their own marketing purposes. Our full Privacy Policy is available at www.primelendings.com/privacy.

6. Credit Inquiries & Reporting

By submitting a loan request, you authorize Prime Lendings and its Lender partners to obtain your credit reports. You acknowledge and agree that:

• Initial rate checks may result in a soft credit inquiry, which does not affect your credit score
• Proceeding with a formal loan application with a specific Lender may result in a hard credit inquiry, which may temporarily affect your credit score
• Multiple hard inquiries within a 30-day window for the same loan type are typically treated as a single inquiry by major credit bureaus (FICO and VantageScore)
• You are entitled to a free copy of your credit report as described under the Fair Credit Reporting Act (FCRA)

Your Rights Under the FCRA

You have the right to dispute inaccurate information in your credit report. Contact the credit reporting agency (Equifax, Experian, or TransUnion) directly. You may also contact the Consumer Financial Protection Bureau (CFPB) at consumerfinance.gov.

7. Loan Terms, Rates & Fees

Prime Lendings does not set or negotiate loan terms. All rates, fees, and terms are determined by the individual Lender. Typical ranges in our network include:

8. Prohibited Uses

You agree NOT to use the Prime Lendings Platform to:

• Provide false, misleading, or fraudulent information in any loan application
• Apply for loans on behalf of another person without proper legal authorization
• Use loan proceeds for illegal activities or purposes prohibited by applicable law
• Circumvent or attempt to bypass our fraud detection or security systems
• Scrape, harvest, or systematically collect data from the Platform
• Reverse-engineer, decompile, or attempt to extract source code from our systems
• Transmit malware, viruses, or other harmful code
• Use the Platform if you are located in a state or jurisdiction where our services are prohibited

Violation of these prohibitions may result in immediate account termination, reporting to law enforcement, and civil or criminal liability.

9. Disclaimers & Limitation of Liability

9.1 No Financial Advice

Nothing on the Prime Lendings Platform constitutes financial, legal, or tax advice. You are solely responsible for evaluating whether any loan product is appropriate for your financial situation. We strongly encourage you to consult a licensed financial advisor before taking on debt obligations.

9.2 Platform Provided "As-Is"

THE PRIME LENDINGS PLATFORM IS PROVIDED ON AN "AS-IS" AND "AS-AVAILABLE" BASIS WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT.

9.3 Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, PRIME LENDINGS SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING FROM YOUR USE OF OR INABILITY TO USE THE PLATFORM OR ANY LOAN PRODUCT OBTAINED THROUGH IT, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. OUR TOTAL LIABILITY SHALL NOT EXCEED $100.

10. Regulatory Compliance

Prime Lendings operates in compliance with applicable federal and state laws and regulations, including:

• Truth in Lending Act (TILA) — Lenders are required to disclose APR, total cost, and loan terms
• Equal Credit Opportunity Act (ECOA) — We prohibit discrimination in credit transactions
• Fair Credit Reporting Act (FCRA) — Governs use of consumer credit information
• Gramm-Leach-Bliley Act (GLBA) — Protects consumer financial information
• CAN-SPAM Act — Governs our email communications
• California Consumer Privacy Act (CCPA) — Additional rights for California residents
• State-specific lending laws — Our Lender partners hold required state licenses

11. Dispute Resolution & Arbitration

Any dispute, claim, or controversy arising out of or related to these Terms or use of the Platform shall be resolved by binding individual arbitration administered by the American Arbitration Association (AAA) under its Consumer Arbitration Rules, rather than in court.

You waive your right to participate in a class action lawsuit or class-wide arbitration. Small claims court actions remain available for eligible disputes.

How to File a Complaint

Before initiating arbitration, please contact us at disputes@primelendings.com with a description of your claim. We will attempt to resolve your concern within 30 days. If unresolved, you may then proceed to arbitration.

12. Changes to These Terms

Prime Lendings reserves the right to modify these Terms at any time. Material changes will be communicated by:

• Email notification to your registered email address
• Prominent notice on the Platform homepage
• Updated "Effective Date" at the top of this document

Continued use of the Platform after the effective date of any changes constitutes your acceptance of the updated Terms. If you disagree with any changes, you must discontinue use of the Platform.

13. Governing Law & Jurisdiction

These Terms shall be governed by and construed in accordance with the laws of the State of Delaware, without regard to its conflict of law provisions. For matters not subject to arbitration, you consent to the exclusive jurisdiction of the state and federal courts located in Wilmington, Delaware.

14. Contact Information

For questions about these Terms, please contact us: