Welcome to MikeCredit.com. These Terms and Conditions ("Terms") govern your use of our website. Please read these Terms carefully. By accessing or using MikeCredit.com, you agree to be bound by these Terms and our Privacy Policy. If you do not agree with any part of these Terms, please do not use our website.

1. Usage restrictions

You must be at least 18 years old, have a steady source of income, and be a legal resident of the United States to use our website. We do not knowingly collect data from minors or non-residents. By using MikeCredit.com, you affirm that you meet these criteria.

2. Services provided

MikeCredit.com provides information about financial products and services offered by various online lenders. We are not lenders ourselves and do not participate in the lending process. We facilitate your connection with lenders through our platform. All loan-related questions, including approval, terms, fees, and APR, should be directed to the respective lender. We do not endorse, guarantee, or promote any particular lender's services.

By using our website, you consent to the sharing of your personal information with third-party lenders as outlined in our Privacy Policy. You also agree to use our website solely for its intended purposes in accordance with these Terms and applicable U.S. laws.

Some lenders may verify your information with national databases and credit reporting agencies, which may impact your credit score.

3. Intellectual property rights

All content on MikeCredit.com, including logos, trademarks, software, and materials, is protected by U.S. copyright laws. We do not transfer any intellectual property rights to you by granting access to our website. Unauthorized reproduction, sale, or misuse of our content is prohibited.

4. Marketing practices

By using MikeCredit.com, you agree to our marketing practices as described on our Marketing Practices page. We and our third-party partners may contact you using the information you provide.

5. Third-party links

Our website may contain links to third-party websites. These links are provided for reference only, and we do not control or endorse the content, privacy policies, or practices of these websites. Your use of third-party websites is at your own risk.

6. Dealing with third parties

All interactions and transactions with third parties, including lenders, are at your own risk. We are not liable for any issues arising from your dealings with third parties.

7. E-consent

By clicking "Submit," "I Agree," "E-Sign," "Consent," or similar buttons, you provide your electronic signature and consent to communicate electronically with us and third parties.

8. Dispute resolution and class action waiver

ALL DISPUTES ARISING FROM YOUR USE OF MIKECREDIT.COM SHALL BE RESOLVED THROUGH BINDING ARBITRATION. BY USING OUR WEBSITE, YOU AGREE TO RESOLVE DISPUTES THROUGH ARBITRATION AND WAIVE YOUR RIGHT TO PARTICIPATE IN CLASS ACTIONS OR INDIVIDUAL LAWSUITS.

9. Indemnification

By using MikeCredit.com, you agree to indemnify and hold harmless MikeCredit.com, its parent company, subsidiaries, and affiliates from any damages, costs, or misunderstandings arising from your use of our website.

10. Violations

We reserve the right to terminate your account and remove any content you submitted if you violate these Terms.

11. Severability

If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions will continue to be in effect. Invalid provisions will be modified to reflect the original intent as closely as possible.

12. Modifications and updates

We reserve the right to modify and update these Terms at any time without prior notice. Changes will be posted on our website, and we may notify you via email. Please review these Terms periodically to stay informed of any updates.

13. Contact us

If you have any questions or concerns about these Terms, please contact us via our contact form on the website.