Terms and Conditions ലോൺ ആപ്പ് പോയിന്റ്

Welcome to https://loanpoint.online (the "Site"), operated by CreditLoan Online ("we," "us," or "our"). These Terms and Conditions ("Terms") govern your use of the Site, which provides information, resources, and links to third-party financial services related to credit and loans. By accessing or using the Site, you agree to be bound by these Terms. If you do not agree, please do not use the Site.

1. Acceptance of Terms

By using the Site, you confirm that you are at least 18 years old and capable of entering into a legally binding agreement. These Terms apply to all users, including browsers, visitors, and those who contribute content or interact with linked services. We may update these Terms at any time, and continued use after such changes constitutes acceptance of the updated Terms.

2. Use of the Site

Permitted Use

You may use the Site for personal, non-commercial purposes, such as researching credit or loan options, provided you comply with these Terms.

Prohibited Conduct

You agree not to:

• Use the Site for any unlawful purpose or in violation of applicable laws.
• Modify, adapt, hack, or reverse-engineer any part of the Site.
• Distribute viruses, malware, or any harmful code.
• Impersonate any person or entity or falsely state or misrepresent your affiliation with a person or entity.
• Collect or harvest user data without consent.
• Interfere with the Site's security or performance.

3. Third-Party Services and Links

The Site contains links to third-party websites, including financial institutions, lenders, and advertising networks (e.g., Google AdSense). These are provided for convenience and do not imply endorsement. We are not responsible for the content, services, or practices of these third parties. Your interactions with them, including any transactions or sharing of personal information, are governed by their terms and privacy policies. Review those policies before engaging with linked services.

4. Intellectual Property

All content on the Site, including text, graphics, logos, and software, is the property of CreditLoan Online or its licensors and is protected by copyright, trademark, and other intellectual property laws. You may not reproduce, distribute, or create derivative works from this content without our prior written consent, except as permitted by fair use under applicable law.

5. User-Generated Content

If you submit content (e.g., comments or inquiries), you grant us a non-exclusive, royalty-free, perpetual, irrevocable, and fully sublicensable right to use, reproduce, modify, adapt, publish, translate, distribute, and display such content worldwide. You represent that you have the right to submit such content and that it does not violate any third-party rights.

6. Disclaimers

The Site and its content are provided "as is" and "as available" without warranties of any kind, either express or implied, including but not limited to warranties of merchantability, fitness for a particular purpose, or non-infringement. We do not guarantee the accuracy, completeness, or reliability of information on the Site, including financial advice or loan options, which should be verified with third-party providers.

7. Limitation of Liability

To the fullest extent permitted by law, CreditLoan Online, its affiliates, officers, employees, and agents shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to loss of profits, data, or goodwill, arising from your use of the Site or reliance on its content. Our total liability shall not exceed $100, regardless of the cause.

8. Indemnification

You agree to indemnify, defend, and hold harmless CreditLoan Online, its affiliates, officers, employees, and agents from any claims, damages, losses, or expenses (including legal fees) arising from your use of the Site, violation of these Terms, or infringement of any third-party rights.

9. Termination

We may terminate or suspend your access to the Site at our discretion, without notice, for any reason, including breach of these Terms. Upon termination, your right to use the Site ceases immediately.

10. Governing Law

These Terms are governed by and construed in accordance with the laws of the United States, without regard to its conflict of law principles. Any disputes arising from these Terms or your use of the Site shall be resolved in the courts located in [Insert Jurisdiction, e.g., State of Delaware], and you consent to the jurisdiction of such courts.

11. Changes to the Site

We reserve the right to modify, suspend, or discontinue the Site or any part thereof, with or without notice. We shall not be liable to you or any third party for any such changes.