Terms of Service

Introduction

Welcome to MyOffersPilot (“we”). By using our website MyOffersPilot(“Site”) and Service, you agree to be bound by these Terms of Service (“Terms”), Privacy Policy and any disclosures posted on the Site which together constitute a legally binding agreement between a user of Site (“you” or “user”) and us (“Agreement”) regarding your use of the Site and Service. If you disagree with any part of the Agreement, please don't use our Site or Service.

Modification of Terms

We can change the Agreement at any time. We will notify you of any changes by posting the revised document on the Site, or by other reasonable means. If you continue to use the Site or our Service after we make changes, you accept the updated Terms. Check the “Last Updated” date at the top of each document to see when the Terms were last changed.

Please Read This Section Carefully

These Terms contain a binding arbitration agreement and a class action waiver. These provisions require you to arbitrate any disputes or claims you have with us on an individual basis. You will not be able to participate in a class action or multi-arbitration. You have the right to opt out of this requirement.

Eligibility

Our Service is only for U.S. residents of legal age. By accessing this Site and using our Service, you confirm that:

• You are at least 18 years old, reside in the U.S. and possess the legal capacity to enter into this Agreement.
• You agree to use our Service solely for your personal, non-commercial purposes.

How We Use Your Data

We handle your data in accordance with applicable privacy laws, including but not limited to GLBA, FCRA, CCPA/CPRA where applicable, and our Privacy Policy. While we strive to ensure the privacy and security of your information, we do not control the privacy practices of any Marketing Partners. We strongly encourage you to review their privacy policies independently.

Service Description

We operate a website (the “Site”) that helps users find personal-finance solutions and related services (each, a “Solution”) based on information the user provides on the Site or our affiliates' websites, or that we obtain from third parties (the “Service”). Based on the information we obtain about you, we, at our sole discretion, determine which Solutions may be relevant to you and may:

• Redirect you to a Marketing Partner's website,
• Provide you with a link to a Solution, or
• Share your information with a Marketing Partner (via API or other means) so that they may contact you directly regarding their Solution.

Please note that we do not guarantee that you will be approved for or able to obtain any Solution. Final eligibility and approval decisions are made solely by the relevant Marketing Partner. By using our Service, you agree to provide only true, accurate, and complete information. You must not misrepresent your identity, impersonate any third party, or submit information on behalf of anyone else.

Compensation and Transparency. Our Service is free of charge to you. However, we receive financial compensation from our Marketing Partners in exchange for connecting you with them, sharing your information with them, and/or marketing their Solutions to you. This compensation allows us to offer our Service at no cost to you and supports our business operations. The compensation we receive may influence what offers appear on our Site, but it does not affect the objectivity of our informational content. For more details, please review our Advertising Disclosure and Privacy Policy.

Service Disclaimer

Not a Provider: We are not a lender, creditor, debt relief service provider, credit repair company, financial advisor, broker, agent, government program or representative of any such entity. We do not make credit decisions, loan prequalifications, or debt settlement offers, and we do not provide any financial service, advice, or counseling.

Our Role: Our Site is an independent, algorithmic matching service. Our primary purpose is to connect you with third-party Marketing Partners who may offer personal-finance-related products or services that align with the information you provide.

No Guarantees: We do not guarantee that you will be approved for, or will obtain, any Solution. We do not endorse or recommend any specific Marketing Partner or Solution. We do not validate or investigate the licensing, certification, accreditation, or other qualifications of any Marketing Partners. We make no representations or guarantees about the terms, rates, quality, or suitability of any Solutions.

Your Responsibility

Your financial decisions are your responsibility. While we offer a service for finding you a Solution, we don't take responsibility for the choices or actions you make based on the information we provide or Solutions we found for you. Carefully examine all terms and conditions of any Solution offer, including the APR, fees, repayment schedule, and potential consequences of default, before committing. Compare multiple options and consult qualified financial advisors for personalized advice.

Specific Product Limitations & Risks:

• Personal Loans/Line of Credit: Lenders in our network may offer loans within a range of amounts $200 - $5,000, but not all lenders offer the maximum amount. Rates and terms vary by lender.
• Auto Title Loans:short-term loans that use your vehicle's title as collateral, with a high risk of repossession if you are unable to repay.
• Buy Now Pay Later (BNPL): not loans but may involve credit agreements; missed payments can result in late fees, interest charges, and credit impacts.
• Cash Advances: typically short-term, high-cost loans with extremely high interest rates and fees.
• Debt Relief: companies do not provide loans; programs may negatively impact your credit score and subject you to collections or lawsuits. Results are not guaranteed.
• Credit Repair: companies cannot guarantee removal of accurate information from your credit report.

Service availability: We operate in all states, however, not all products or services are available in every state, and eligibility varies by jurisdiction and partner policies.

Marketing Communications and Consent to Contact

By confirming your phone number or email address, you consent to receive marketing communications from us and from Marketing Partners via email, calls and text messages (SMS). These communications may include promotional offers related to loans, credit monitoring, banking, and other financial products. Providing consent to receive marketing communications is not a condition of obtaining any product or service. Message frequency may vary.

You may withdraw your consent at any time. To opt out from emails, click “Unsubscribe” in any marketing email. If you no longer wish to receive calls and text messages, reply STOP to any text message. Standard message and data rates may apply. Carriers are not liable for delayed or undelivered messages.

Your Credit Report Check

With your written authorization, we may obtain your consumer report (e.g., credit score, total debt) from a consumer reporting agency to verify identity and assess eligibility for products and services you requested. This inquiry is a soft inquiry and does not affect your credit score. If you choose to apply for a specific product, the relevant Marketing Partner may obtain its own consumer report under the Fair Credit Reporting Act (FCRA), which may be a hard inquiry and may affect your credit score.

Electronic Consent (“E-Consent”)

We and our Marketing Partners require your consent to conduct transactions electronically, including using electronic signatures and receiving electronic communications. By providing your information and submitting a request to be connected with Marketing Partners via our Service you consent to conduct transactions and sign electronic contract documents using electronic signatures, as well as receive disclosures, records and other communications electronically in accordance with our E-Consent Terms and Conditions.

Prohibited Uses

You acknowledge and agree to avoid the following activities, which are expressly prohibited:

• Providing false or misleading information or impersonating another individual.
• Submitting information on behalf of another individual.
• Attempting to circumvent security measures or access restricted information.
• Copying or stealing proprietary materials.
• Utilizing computer programs to collect information from our Site.
• Interfering with Site functionality or disrupting other users.
• Using our Site or Service for unsolicited email communications.
• Tampering with email headers or other transmitted information.
• Attempting to reverse-engineer or decompile any source code used in the Site or Service.

Third-Party Websites

Our Site may contain links to external websites, including those of Marketing Partners. Your use of any external websites linked from our Site is entirely at your own risk. We do not endorse, control, monitor, or assume any responsibility for the content, practices, or services offered by these third-party websites. You are solely responsible for evaluating and verifying the credibility, legitimacy, and suitability of any third-party websites and their offerings before engaging with them.

Intellectual Property

All content on this Site, including text, images, graphics, logos, and software, is solely owned by us and/or our licensors. Your use of the Site does not grant you ownership rights or licenses to any content, trademarks, or other intellectual property displayed on the Site. We grant you a non-exclusive, limited right to use the Site solely for the purpose of accessing the Service.

Disclaimer of Warranties

You expressly agree that your use of the Site and our Service is at your own risk. We provide the Site and the Service on an “as is” basis. We expressly disclaim all warranties of any kind, whether express or implied, including the implied warranties of merchantability, fitness for a particular purpose, title, and non-infringement. We make no warranty that the Site or our Service will meet your requirements, or that they will be uninterrupted, timely, secure, or error free. Some jurisdictions do not allow the exclusion of certain warranties, so some of the above exclusions may not apply to you.

Limitation of Liability

In no event shall we be liable for special, incidental, or consequential damages, lost profits, lost data or confidential information, loss of privacy, costs of procurement of substitute goods or services, regardless of the foreseeability of those damages, arising out of or in connection with your use of the Site or Service. Our maximum liability to you under all circumstances shall not exceed $100.00. You agree that this limitation represents a reasonable allocation of risk and is a fundamental element of the basis of our Agreement.

Indemnification

You agree to defend, indemnify, and hold us harmless (along with our officers, directors, employees, agents, affiliates, representatives, sub-licensees, successors, and assigns) from and against any and all claims, actions, demands, causes of action, liabilities, damages, costs, or expenses (including legal costs and attorneys' fees) arising out of or relating to: (a) your breach of this Agreement; (b) your use of the Site or Service in violation of this Agreement; (c) disputes resulting from your interactions with any Marketing Partner; (d) your violation of any laws or regulations; (e) any claim alleging that content or data you provide infringes a third party's intellectual property rights.

Governing Law

The Site, Service, and this Agreement shall be treated as though this Agreement were executed and performed in Las Vegas, Nevada and shall be governed by and construed in accordance with the substantive laws of the State of Nevada without regard to its conflict of law principles.

Mandatory Agreement to Arbitrate on an Individual Basis

Please read this section carefully. It requires you to resolve most disputes through individual arbitration and waives the right to a jury trial and to participate in a class or representative action.

• Informal Resolution First. Before filing any claim, you agree to try to resolve the dispute in good faith. Send a written notice describing the dispute and the relief sought to contact@myofferspilot.com. If we cannot resolve it within 60 days, either party may commence arbitration (or, if eligible, a small-claims action).
• Agreement to Arbitrate. Any dispute, claim, or controversy between you and us will be resolved by binding arbitration administered by the American Arbitration Association (AAA) under its Consumer Arbitration Rules. The Federal Arbitration Act (FAA) governs the interpretation and enforcement of this Arbitration Agreement.
• Class-Action Waiver. Arbitration will be conducted only on an individual basis. No class, collective, consolidated, private-attorney-general, or representative actions are permitted.
• Opt-Out. You may opt out of this Arbitration Agreement by sending an email to contact@myofferspilot.com with your name, the email/phone you used on the Site, and a statement that you are opting out, within 30 days of the date you first accepted these Terms.

Miscellaneous

This Agreement together with all Disclosures, E-Consent and Credit Authorization constitutes the entire agreement between you and us concerning your use of the Site and Service. If any part of this Agreement is held invalid or unenforceable, that part will be construed to reflect the parties' original intent, and the remaining portions will remain in full force and effect.

Contact Us

Any questions, requests, or notices must be sent via email at contact@myofferspilot.com.