Terms of Service

1. Agreement to Terms

By accessing and using the Fiona Loans website located at https://www.fionaloans.com (the "Service"), you agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, you must not access or use the Service. These Terms apply to all visitors, users, and applicants of the Service.

2. Eligibility

To use our lending services, you must:

• Be at least 18 years of age
• Be a legal resident of the United States
• Have a valid government-issued identification
• Have a verifiable source of income
• Have a valid bank account capable of receiving ACH transfers
• Provide accurate and truthful information in your application

3. Loan Application Process

By submitting a loan application, you authorize Fiona Loans to: verify the information provided, obtain your credit report from one or more credit bureaus, verify your employment and income, and contact you regarding your application via phone, email, or text message in accordance with your TCPA consent.

Submitting an application does not guarantee loan approval. Fiona Loans reserves the right to approve or decline any application at its sole discretion based on creditworthiness, risk assessment, and other relevant factors.

4. Loan Agreements

Completing an online application does not guarantee loan approval. A legally binding loan agreement is only formed once you have completed the phone underwriting process and provided an e-signature.

If your application is approved, you will receive a separate Loan Agreement detailing the specific terms including the principal amount, the fixed 10.00% APR, monthly payment, repayment schedule, and other material terms. Fiona Loans does not charge an origination fee, and there is no prepayment penalty.

5. Accuracy of Information

You represent and warrant that all information provided in your loan application is true, accurate, complete, and current. Providing false, misleading, or incomplete information may result in denial of your application, cancellation of an approved loan, or acceleration of any outstanding balance.

6. Use License & Intellectual Property

Permission is granted to temporarily access the materials on the Fiona Loans website for personal, non-commercial use only.

The Service and its original content, features, and functionality are owned by Fiona Loans and are protected by international copyright, trademark, patent, trade secret, and other intellectual property laws. You may not reproduce, distribute, modify, or create derivative works from any content on this website without prior written consent.

7. Prohibited Uses

You agree not to:

• Use the Service for any unlawful purpose
• Submit false or fraudulent loan applications
• Attempt to gain unauthorized access to any portion of the Service
• Interfere with or disrupt the Service or its infrastructure
• Use automated systems (bots, scrapers) to access the Service
• Impersonate any person or entity

8. Limitation of Liability

To the maximum extent permitted by applicable law, Fiona Loans shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising out of or relating to your use of the Service, including but not limited to loss of profits, data, or other intangible losses.

9. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the State of California, United States, without regard to its conflict of law provisions.

10. Changes to Terms

We reserve the right to modify or replace these Terms at any time. Material changes will be communicated via email or a prominent notice on our website. Your continued use of the Service after changes become effective constitutes acceptance of the revised Terms.

11. Contact

For questions about these Terms, contact us at support@fionaloans.com.