Terms of Service
Last Updated: January 2026
These Terms of Service ("Terms") govern your use of the WithYou Funds website withyoufunds.com (the "Service"). By accessing or using the Service, you agree to be bound by these Terms. If you do not agree, please do not use the Service.
1. Service Description
WithYou Funds is a loan connecting service, not a direct lender, loan broker, or agent for any lender. We provide a platform that may connect borrowers with lending partners. We do not make loan or credit decisions and do not guarantee that you will receive a loan offer or any specific terms.
2. Eligibility
To use the Service, you must be at least 18 years old, a resident of the United States, and legally capable of entering into contracts. You must provide accurate and complete information when submitting a loan request.
3. Use of the Service
You agree to:
- Provide truthful and accurate information at all times.
- Use the Service only for lawful purposes.
- Not attempt to disrupt, damage, or interfere with the Service.
- Not use automated systems to submit requests without authorization.
4. Loan Requests and Lending Partners
Submitting a loan request through our Service does not constitute an application for a loan. We forward your information to lending partners who independently evaluate your request. Any loan offer you receive comes directly from the lending partner, and any agreement you enter into is between you and that partner. We are not a party to any loan agreement.
5. APR and Loan Terms
The Annual Percentage Rate (APR) for loans obtained through our Service ranges from 5.99% to 35.99%. Loan terms range from 65 days to 72 months. The actual rate, term, and amount offered by a lending partner depends on various factors including your creditworthiness, income, and state regulations. Not all applicants will qualify for the lowest rate or the maximum loan amount.
6. No Guarantee
We do not guarantee that you will be connected with a lending partner or that you will receive a loan offer. We do not guarantee any specific loan amount, rate, term, or outcome.
7. Intellectual Property
All content on this website, including text, graphics, logos, and design, is the property of WithYou Funds and is protected by intellectual property laws. You may not reproduce, distribute, or create derivative works without our written permission.
8. Disclaimer of Warranties
The Service is provided "as is" and "as available" without warranties of any kind, either express or implied. We do not warrant that the Service will be uninterrupted, error-free, or secure.
9. Limitation of Liability
To the maximum extent permitted by law, WithYou Funds shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of the Service.
10. Governing Law
These Terms shall be governed by the laws of the State of Delaware, without regard to conflict of law principles.
11. Changes to These Terms
We may update these Terms at any time. Continued use of the Service after changes are posted constitutes acceptance of the updated Terms.