By completing a referral search application and paying our               
               search/access fee, you are affirming you understand
                                  and agree to the following:

1. We are not a lender, a broker, or any company that deals directly with lending
money. We are a referral service. We refer people to lenders, lending sources,
or other referral companies. We have no association with any of the sources we
refer people to.

2. The fee you pay for is a search/access fee to view the list of lenders who may
or may not give you a loan. Our service is not an offer for credit. This fee in NO
way guarantees or even implies any loan approval. In fact, the majority of our
clients are not approved OR are approved for a lesser loan amount than
originally requested. Once you pay the access fee, our service has been
completed. From there forward, the transaction is between you and the lender.
The main reasons why you might be declined for a loan may include a credit
score below 650. Recent late or missed payments. A bankruptcy. Recent charge
offs or tax liens. No steady income. No recent stable job history.

3. The loan amount, payback period, interest rate, etc you indicate on the
search application is not guaranteed. It is up to the lender to determine those
amounts and terms. You do not have to accept the loan if you don't want it,
however, that does not mean you qualify for a refund.

4. A "guaranteed"  lender or source means that we guarantee our referrals are
lending sources or referral sources. Guaranteed results simply means that if you
don't get approved for some form of loan, you can ask for a refund - via our
policy. The word "guarantee" does not refer to getting approved. You must
follow the policy to get a refund. The word guarantee does NOT refer or imply
loan approval.

5. Applying to more than one lender at a time can lower your credit score. WE
are not liable for your credit score being lowered. The choice to apply to a
lender is yours and so is the choice to get a refund! We recommended that you
not apply to any lender with a score under 600 unless you have a cosigner with
good credit. The cosigner should be the primary applicant. No lending source
will loan to somebody with a score under 520.

6. This service is NOT an advance fee loan service. An advance fee service
makes "promises", "guarantees", or "implies" that for an upfront fee, they can
get you a loan regardless of credit history or credit score. We do not make such
promises or guarantees and we clearly state (FAQ page) that no loan approval
is implied or guaranteed before any money is charged. Our fee is for access to
a lender list page, not a guarantee for any loan approval a even a strong
chance of getting a loan. Approval is up to a lender after you apply.