Terms of Service

Welcome to LibertyFundz. These Terms of Service ("Terms") govern your use of our website and services. By accessing or using our services, you agree to be bound by these Terms.

1. Acceptance of Terms

By creating an account, submitting a loan application, or using any of our services, you acknowledge that you have read, understood, and agree to be bound by these Terms of Service and our Privacy Policy.

2. Eligibility

To use our services, you must:

• Be at least 18 years of age
• Be a legal resident of the United States
• Have a valid Social Security Number
• Have a valid government-issued ID
• Have a valid bank account in your name
• Not be prohibited from using financial services under applicable law

3. Account Registration

When creating an account, you agree to:

• Provide accurate, current, and complete information
• Maintain and promptly update your account information
• Keep your login credentials confidential and secure
• Immediately notify us of any unauthorized account access
• Be responsible for all activities under your account

4. Loan Services

4.1 Application Process

By submitting a loan application, you:

• Authorize us to verify your identity and creditworthiness
• Consent to credit inquiries with credit reporting agencies
• Certify that all information provided is true and accurate
• Understand that approval is not guaranteed

4.2 Loan Terms

If approved for a loan:

• You agree to repay the principal plus interest as specified
• Payments are due on the scheduled dates
• Late payments may result in fees and affect your credit
• Early repayment is permitted without penalty

5. Fees and Charges

You agree to pay all applicable fees, including:

• Processing fees as disclosed in your loan agreement
• Late payment fees for missed payments
• Insufficient funds fees for failed payments
• Any other fees disclosed at the time of transaction

6. Deposits and Withdrawals

• Deposits are usually processed instantly (up to 24 hours)
• Withdrawals are usually processed instantly (up to 24 hours)
• Withdrawals are subject to verification
• We reserve the right to hold or reverse suspicious transactions
• Minimum and maximum limits may apply

7. Prohibited Activities

You agree NOT to:

• Provide false or misleading information
• Use our services for illegal purposes
• Attempt to circumvent security measures
• Access other users' accounts without authorization
• Use automated systems to access our services
• Engage in money laundering or fraud
• Harass, threaten, or harm others

8. Intellectual Property

All content, trademarks, logos, and intellectual property on our platform are owned by LibertyFundz or our licensors. You may not copy, modify, distribute, or use our intellectual property without written permission.

9. Disclaimer of Warranties

Our services are provided "as is" without warranties of any kind. We do not guarantee:

• Uninterrupted or error-free service
• Approval of any loan application
• Accuracy of third-party information
• Results from using our services

10. Limitation of Liability

To the maximum extent permitted by law, LibertyFundz shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of our services.

11. Indemnification

You agree to indemnify and hold harmless LibertyFundz, its officers, directors, employees, and agents from any claims, damages, or expenses arising from your use of our services or violation of these Terms.

12. Account Termination

We may suspend or terminate your account if you:

• Violate these Terms of Service
• Engage in fraudulent activity
• Fail to repay outstanding loans
• Provide false information

13. Governing Law

These Terms shall be governed by the laws of the United States. Any disputes shall be resolved in the appropriate courts of jurisdiction.

14. Changes to Terms

We reserve the right to modify these Terms at any time. Significant changes will be communicated via email or platform notification. Continued use after changes constitutes acceptance.

15. Contact Information

For questions about these Terms, contact us:

• Email: support@libertyfundz.com
• Support: Submit a Support Ticket