Terms of Use

Updated: March 7, 2026

Please read these terms and conditions carefully.

Go Direct Lenders, LLC ("Company," "we," or "us") operates the website currently located at GoDirectLenders.com (the "Website") to help facilitate the provision of Company's services (the "Services") to its customers, and makes the Website available to individuals ("Users" or "You") for informational purposes. The term "site" or "website" as used in these Terms of Use includes all versions of these internet pages accessed via any electronic device. If You use Company in any manner, You accept these Terms of Service ("Agreement" or "Terms"). If You do not agree with any provision of this Agreement or do not wish to be bound by this Agreement, do not use Company's Service.

1. Modifications to Terms of Service

Company may modify these Terms of Service and its Privacy Policy from time to time, and any such modifications shall be effective upon their posting on the Website. You agree to be bound by any changes to the Terms of Service and Privacy Policy when You use the Website after any such modification is posted. It is therefore important that You review these Terms each time You access the Website to ensure that You are aware of any changes.

2. Eligibility

You must be eighteen (18) years old or older to use Company. By using Company, You represent and assume that You have the authority and capacity to enter into this Agreement and to abide by all the terms listed in this Agreement.

3. Access, Alerts, and Downloads

Company reserves the right to reject and to terminate your use of the Website at any time, for any reason or for no reason, without notice to You. Company also reserves the right to provide notices and alerts to Users from time to time about use of the Website and information on feature updates and changes.

4. Intellectual Property Protection

All the content and information displayed or accessible on or through the Website, including without limitation, text, artwork, graphics, logos, button icons, images, audio clips, video clips, digital downloads, prices, products, product and service descriptions, and data compilations, is the property of Company. Such content is protected by U.S. and international trademark, copyright, and other intellectual property laws. You shall not copy, distribute, alter, display, perform, publish, or create derivative works from such materials. Systematic retrieval of data from the Website to prepare any collection, compilation, database, or directory is strictly prohibited.

The names and logos for Company are trademarks or trade dress of Company. Company's trademarks and trade dress may not be used, including as part of trademarks or as part of domain names, without the prior written permission of Company. You may not frame or utilize framing techniques to enclose any trademark, logo, or other proprietary information without Company's express written consent.

You acknowledge and agree that a breach or threatened breach of this Section would cause Company irreparable harm for which monetary damages would not be an adequate remedy, and Company will be entitled to equitable relief, including a restraining order, an injunction, specific performance, and any other relief available from any court.

5. License Grant and Restrictions

Company hereby grants You a limited, non-exclusive, non-transferable, and revocable right to access and use the Website to (i) utilize the features, content and tools that Company makes available and (ii) receive information relating to the Services. You shall use the Website solely for Your personal use. You shall not modify, copy, distribute, transmit, display, perform, reproduce, publish, license, broadcast, create derivative works from, transfer, or sell any Company content. The license does not include any resale or commercial use of the Website. Company reserves the right to suspend or deny Your access without notice.

ANY RIGHTS IN THE WEBSITE NOT EXPRESSLY GRANTED TO YOU ARE RESERVED TO COMPANY.

6. Privacy Policy

Company respects your right to privacy. Accordingly, Company has developed a Privacy Policy that governs your use of the Website, and you should review it carefully. By becoming a User, you understand that we will obtain and use your information solely for the purpose of providing our Services to you and as otherwise described in our Privacy Policy.

Company does not sell, rent, or share your personal information with third parties for marketing or commercial purposes.

Your use of the Website constitutes your consent to the terms set forth in the Privacy Policy. If you disagree with any aspect of the Privacy Policy, then you should cease using the Website.

7. Terms and Termination of Access

This Agreement is effective starting on the date you use the Website for the first time and continues until terminated. Company, in its sole discretion, may terminate your right to use the Website, direct You to cease using the Website, and discontinue or restrict your access, all without notice and for any reason.

Company will suspend, disable, delete, or otherwise limit your access if Company determines that You have violated any provision of this Agreement. If Company deactivates or otherwise restricts your access due to misconduct, you shall not use the Website under a different name or email address.

Upon termination of this Agreement, all licenses granted by Company to You will terminate. Content that You submitted may no longer be available. Company is not responsible for the loss of such content.

8. Limitation of Liability

You specifically agree that Company is not liable for any of your conduct while using the Website. Company is also not responsible for any problems or technical malfunction of any telephone network or lines, computer online systems, servers or providers, computer equipment, software, or failure of any email due to technical problems or traffic congestion on the internet.

In no event shall Company be liable for any damages, including but not limited to any direct, indirect, incidental, special, or consequential damages resulting from your use or the inability to use the Website, any Company content, any information accessible on the Website, or from any messages received through the Website, to the fullest extent permitted by applicable law.

You agree that regardless of any statute or law to the contrary, You will file any claim or cause of action arising out of or related to your use of the Website within one (1) year of receiving the Terms of Service or be forever barred.

9. Disclaimers

Company does not make any warranty that the Company content will meet your requirements or that access to the Website will be uninterrupted, timely, secure, accurate, virus-free or error free. Company does not make any warranty regarding any information obtained from any hyperlinked third party website.

To the extent any disclaimer or limitation of liability does not apply, all applicable warranties will be limited in duration to a period of thirty (30) days after the date on which You first used the Website.

10. Your Conduct and Prohibited Activities

Users are required to be civil and respectful at all times. In addition, You shall not:

• Attempt to submit information with more than one email address
• Harass or stalk any other person
• Harm or exploit minors
• Act in a deceptive manner by impersonating any person or entity
• Solicit money from Company or other Users
• Express or imply that statements you make are endorsed by Us without prior written consent
• Use the Website in an illegal manner or to commit an illegal act
• Use any robot, spider, or other automated device to retrieve, index, or "data mine" the Website
• Collect others' personal information for the purpose of sending unsolicited email
• Interfere with or disrupt the Website or the servers or networks connected to it
• Transmit any material that contains software viruses or other harmful code
• Forge headers or manipulate identifiers to disguise the origin of information
• "Frame" or "mirror" any part of the Website without prior written authorization
• Post, distribute, or reproduce copyrighted material without the owner's consent
• Modify, adapt, sublicense, sell, reverse engineer, decipher, or decompile any portion of the Service

11. Content Posted by You

You are solely responsible for the content and information that you post, upload, publish, transmit, or otherwise make available on the Website (collectively, "Content"), including but not limited to text messages, chats, videos, and photographs.

You may not post or transmit any offensive, inaccurate, abusive, obscene, profane, threatening, intimidating, harassing, racially offensive, or illegal material. You represent and warrant that all information you submit is accurate and truthful.

12. Licenses Granted by You to Us

By posting Content, you automatically grant to Company an irrevocable, perpetual, non-exclusive, transferable, sub-licensable, royalty-free, worldwide right and license to use, copy, store, perform, display, reproduce, record, play, adapt, modify and distribute the Content, prepare derivative works, and grant sublicenses. In addition, you waive any so-called "moral rights" in your Content.

13. Prohibited Content

Your use of Company, including all Content You post, must comply with all applicable laws. You shall not post Content that:

• Promotes racism, bigotry, hatred or physical harm against any group or individual
• Advocates harassment or intimidation of another person
• Requests money from, or is intended to defraud, other Users
• Involves "junk mail", "chain letters" or unsolicited mass mailing
• Promotes false or misleading information, or promotes illegal activities
• Contains pirated computer programs, images, audio or video
• Contains photos, video, or images of another person without permission
• Provides material that exploits people in a sexual, violent or illegal manner
• Contains viruses, time bombs, trojan horses, worms or other harmful code
• Impersonates or misrepresents affiliation with any person or entity
• Disseminates another person's personal information without permission
• Publicizes commercial activities or pyramid schemes without prior consent

Company reserves the right to investigate and take legal action against anyone who violates this provision.

14. Your Representations and Warranties

For each item of Content that you submit, you represent and warrant that: (i) you have the right to submit the Content and grant the licenses set forth above; (ii) Company will not need to obtain licenses from any third party or pay royalties; (iii) the Content does not infringe any third party's rights; and (iv) the Content complies with this Agreement and all applicable laws.

15. Indemnification

You agree to indemnify, defend, and hold Company, its officers, agents, partners, and employees, harmless from any loss, liability, claim, or demand, including reasonable attorneys' fees, made by any third party due to or arising out of your breach of this Agreement, any Content you provide, and the violation of any law or regulation by You. Company reserves the right to assume the exclusive defense and control of any matter otherwise subject to indemnification by you.

16. Copyright Policy

You may not post, distribute, or reproduce copyrighted material without the prior written consent of the owner. If you believe your work has been copied and posted in a way that constitutes copyright infringement, please notify our Copyright Agent:

Company reserves the right to terminate or restrict access by repeat infringers.

17. Our Use of Your Information

You agree that Company may access, preserve, and disclose your information and Content if required to do so by law or in a good faith belief that such access is reasonably necessary to: (i) comply with legal process; (ii) enforce these Terms; (iii) respond to claims that Content violates third-party rights; (iv) respond to your requests for customer service; (v) allow you to use the Service in the future; or (vi) protect the rights, property, or personal safety of Company or any other person.

18. Reliance on Information Posted

The information presented on the Website is made available solely for general information purposes. We do not warrant the accuracy, completeness, or usefulness of this information. Any reliance you place on such information is strictly at your own risk.

This Website may include content provided by third parties. All statements and opinions expressed in third-party materials are solely the responsibility of the person or entity providing those materials and do not necessarily reflect the opinion of the Company.

19. Mandatory Binding Arbitration and Class Action Waiver

Claims relating to this Agreement or the Service will be resolved through final and binding arbitration. The parties agree that the Federal Arbitration Act governs these arbitration provisions.

Initial Dispute Resolution

The parties agree to use their best efforts to settle any dispute directly through good faith consultation and negotiation before initiating a lawsuit or arbitration.

Binding Arbitration & Class Action Waiver

If the parties do not reach a solution within thirty (30) days of informal dispute resolution, either party may initiate binding arbitration as the sole means to resolve claims, administered by the American Arbitration Association under its Commercial Arbitration Rules, excluding any rules governing class actions.

THE PARTIES AGREE THAT EACH MAY BRING CLAIMS AGAINST THE OTHER ONLY IN ITS INDIVIDUAL CAPACITY, AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS OR REPRESENTATIVE PROCEEDING.

Arbitration will be held in Los Angeles County, California, United States. The arbitrator's award shall be written and binding, and judgment may be entered in any court having jurisdiction.

Exception: Intellectual Property Claims

Disputes concerning either party's patents, copyrights, moral rights, trademarks, trade secrets, or claims of piracy or unauthorized use of the Services ("IP Claims") shall not be subject to arbitration.

20. Miscellaneous Provisions

A. Applicable Law

Any claim relating to the use of the Website shall be governed by the internal substantive laws of the State of California without regard to conflict of law principles. You agree to submit to the exclusive jurisdiction of the state and federal courts in Los Angeles County, California.