Terms & Conditions

Effective Date: [Insert Date]

Welcome to Starfish Loans (“Company,” “we,” “our,” or “us”). By accessing or using www.starfishloans.com (the “Website”), you agree to be bound by these Terms & Conditions.

If you do not agree with these Terms, please do not use this Website.

1. Not a Lender / No Credit Decisions

Starfish Loans is not a lender, does not make loan or credit decisions, and does not broker loans. We are not an agent, representative, or partner of any lender.

We are a marketing referral service (lead generator). Our role is to connect consumers with third-party lenders and lending partners who may provide loan offers.

We do not control and are not responsible for any lender’s decisions, policies, terms, rates, fees, or approval standards.

2. No Guarantee of Approval or Loan Terms

Submitting information through this Website:

  • Does not guarantee loan approval

  • Does not guarantee any specific loan amount

  • Does not guarantee any interest rate or repayment term

Loan approval and loan terms are determined solely by the participating lender based on its own underwriting criteria and your creditworthiness.

Not all lenders can provide loan amounts up to advertised maximums.

3. No Application Fees

Starfish Loans does not charge consumers any application fees for submitting a request through our Website.

However, lenders may charge fees as permitted by law. You should review all lender disclosures before accepting any loan offer.

4. Loan Availability

Loans are not available in all states. Availability depends on:

  • State laws and regulations

  • Lender participation

  • Applicant eligibility

Users are responsible for ensuring that applying for a loan is legal in their state of residence.

5. Short-Term Loan Disclosure

Short-term loans are designed to address short-term financial needs and are not intended as long-term financial solutions.

Borrowers should carefully consider alternatives and fully review loan terms before accepting any offer. Late payments may result in additional fees, penalties, or collection activities.

6. Lender Terms

Each lender has its own:

  • Terms and conditions

  • Privacy policy

  • Renewal policy

  • Fees and repayment requirements

You must review and agree to your lender’s terms before entering into any loan agreement. Starfish Loans is not responsible for lender agreements or actions.

7. Eligibility Requirements

By using this Website, you represent and warrant that:

  • You are at least 18 years old

  • You are a resident of the United States

  • You are legally able to enter into binding contracts

  • All information you provide is accurate and truthful

Providing false information may result in denial of services or legal consequences.

8. Compensation Disclosure

We may receive compensation from third-party lenders or partners when users submit information or are connected to lending services through our Website.

This compensation does not impact your loan terms, which are determined solely by the lender.

9. Email Communications & Unsubscribe

If you opt in to receive communications from us, you agree that we may send marketing or informational emails.

All marketing emails will contain a clear and functioning unsubscribe mechanism. You may opt out of future marketing communications at any time by clicking the unsubscribe link included in our emails.

We comply with applicable email marketing laws, including the CAN-SPAM Act.

10. Limitation of Liability

Starfish Loans is not liable for:

  • Loan approval or denial

  • Loan amounts or rates

  • Lender actions or omissions

  • Financial decisions made by users

All financial decisions are made at your own discretion and risk.

11. No Financial Advice

Information on this Website is provided for informational purposes only and does not constitute financial, legal, or professional advice.

You should consult a qualified professional before making financial decisions.

12. Privacy

Your use of this Website is also governed by our Privacy Policy, which explains how we collect, use, and share information.

13. Changes to Terms

We reserve the right to modify these Terms at any time. Continued use of the Website constitutes acceptance of any revised Terms.