Terms of Use

By using this Website, you agree to comply with and be bound by the following Terms of Use ("Terms"). Please read these Terms carefully. If you do not accept them, you should not use the Website or any of its Services. We may update these Terms at any time at our discretion by posting a revised version on this page. Your continued use of the Website after changes are posted constitutes your acceptance of the updated Terms. By accessing this Website, you confirm that:

• (i) You are at least 18 years old and legally capable of entering into contracts;
• (ii) Any information you provide is accurate and belongs to you; and
• (iii) You will not use the Website for any unlawful or prohibited activities and will comply with these Terms.

We may limit, suspend, or terminate your access to the Website at any time, with or without notice, for any reason. This Website is intended for use only in the United States and is not intended to subject us to any non‑U.S. jurisdiction or laws.

CLASS ACTION AND ARBITRATION LIMITATION PROVISIONS ARE INCLUDED BELOW. PLEASE REVIEW THEM CAREFULLY AND CONSIDER CONSULTING WITH AN ATTORNEY.

1. OUR SERVICES

   Future Path Advisors provides a free online service that transmits the information you submit on our forms to lenders, advertisers, networks, and other financial service providers who may be able to offer you a short‑term loan, personal loan, or other financial product or service. These third parties maintain their own eligibility criteria, underwriting standards, and processes, and any offers they make will be based on the information you provide and their internal policies.

   We are not a lender, creditor, or broker, and we do not make or fund loans, set interest rates, or determine fees. We do not endorse any particular lender, financial service provider, or product. Submitting a request through our Website does not guarantee that you will be approved for a loan or other financial product. You should carefully review the terms of any offer you receive directly from a lender before accepting it. You are never obligated to accept any offer.

   We may receive compensation from third‑party lenders or service providers for referrals that originate from our Website. This compensation may influence which offers, lenders, or products appear on the Website, and we do not represent every lender or loan option available in the marketplace. In some instances, you may be connected with a tribal lender, which may operate under tribal law rather than state law. The terms, conditions, and remedies available under such loans may differ from those under state‑regulated products.

2. HOW WE SHARE INFORMATION WITH THIRD PARTIES

   By using our Services and submitting a request on our forms, you acknowledge and agree that we will share the information you provide with lenders, financial service providers, advertisers, and other partners in our network for the purpose of connecting you with the products and services you are requesting (for example, a short‑term loan or personal loan). These third parties may have their own data‑collection, privacy, and security practices, which may differ from ours, and typically store and use your information in order to process your request and potentially extend an offer to you.

   By providing your information, you expressly request and consent to be contacted by email, telephone (which may include calls, ringless voicemail, prerecorded messages, and calls made with an automatic dialing system), SMS text message, and/or direct mail. Once we pass your information to these third parties, our role in the process is complete, and any further communications, offers, or transactions are solely between you and those third parties.

3. CONSENT FOR LENDERS TO VERIFY INFORMATION AND OBTAIN CREDIT SCORES AND REPORTS

   Lenders and financial service providers you may connect with through our Website may verify your information and obtain credit reports and credit scores. This may include checks with one or more of the major credit reporting agencies—TransUnion, Experian, and Equifax—as well as other consumer‑reporting sources. By submitting a loan request, you provide express written consent, in accordance with the Fair Credit Reporting Act ("FCRA"), for these lenders and financial service providers to access your credit report, credit score, and related consumer information in order to evaluate your eligibility and verify your identity.

   Failure to repay any loan you receive may be reported by your lender to one or more credit bureaus and may negatively impact your credit score. Short‑term loans available through lenders in our network are intended to provide temporary relief for immediate financial needs and should not be viewed as long‑term financial solutions. If you have questions about a particular loan, credit check, or reporting practice, you should contact the lender directly.

4. CONSENT TO RECEIVE EMAIL, TELEPHONE CALLS, AND SMS COMMUNICATIONS

   By submitting a request, you grant express written consent to receive communications from Future Path Advisors, from lenders and financial service providers with whom you may be connected, and from marketing partners to whom we provide or present your information. These communications may include:

   1. Telephone Communications. We and our partners may contact you at the telephone number you provide, whether it is a landline or a mobile number, even if it appears on any federal or state "Do Not Call" registry. To the extent permitted by the Telephone Consumer Protection Act ("TCPA"), you consent to receive prerecorded calls, ringless voicemail, SMS text messages, and calls made using an automatic telephone dialing system.
   2. Email Communications. We and our partners may contact you at the email address you provide with information about your request, related products and services, and marketing messages. Standard messaging, data, and other rates may apply. You are not required to consent to receive marketing communications in order to use our Services.

5. THIRD‑PARTY WEBSITE LINKS

   Our Website may include links to third‑party websites. These sites have their own terms, privacy policies, and security practices, which may differ significantly from ours. Before providing any information, accepting any offer, or requesting services from a third‑party website, you should carefully review that site’s terms and privacy policy. We are not responsible for, and do not control, the content, practices, or policies of third‑party websites. The inclusion of a link on our Website does not constitute an endorsement of the linked site or its operators.

6. INTELLECTUAL PROPERTY RIGHTS, COPYRIGHTS, AND TRADEMARKS

   All content on this Website—including text, graphics, logos, icons, images, audio clips, software, and other materials—is owned by Future Path Advisors or our licensors and is protected by copyright, trademark, and other intellectual property laws. You may not use, copy, modify, distribute, display, or create derivative works from any content or trademarks without our prior written permission.

   The names, logos, and other marks displayed on the Website (collectively, the "Trademarks") are trademarks or service marks of Future Path Advisors or third parties. You may not use any Trademarks without the express, prior written consent of the applicable rights holder. Unauthorized use of any content or Trademarks is a material breach of these Terms. All right, title, and interest in and to the Website, our Services, and any related technology or content (including derivative works) remain our exclusive property.

7. INDEMNIFICATION

   YOU AGREE TO INDEMNIFY, DEFEND, AND HOLD FUTURE PATH ADVISORS AND ITS OWNERS, OFFICERS, DIRECTORS, EMPLOYEES, AND OPERATORS HARMLESS FROM AND AGAINST ANY AND ALL THIRD‑PARTY ACTIONS, SUITS, CLAIMS, DEMANDS, LIABILITIES, LOSSES, DAMAGES, COSTS, AND EXPENSES (INCLUDING REASONABLE ATTORNEYS’ FEES) ARISING OUT OF OR RELATING TO: (A) YOUR LOAN REQUEST OR SUBMISSION OF INFORMATION; (B) YOUR USE OR MISUSE OF THE WEBSITE OR ANY SERVICES; OR (C) YOUR BREACH OF THESE TERMS. YOU AGREE TO REASONABLY COOPERATE IN THE DEFENSE OF ANY SUCH CLAIM.

   WE, TOGETHER WITH ANY THIRD PARTY INVOLVED IN CREATING, PRODUCING, OR DELIVERING THE WEBSITE OR ITS SERVICES, RESERVE THE RIGHT, AT OUR SOLE DISCRETION AND AT YOUR EXPENSE, TO ASSUME THE EXCLUSIVE DEFENSE AND CONTROL OF ANY MATTER OTHERWISE SUBJECT TO INDEMNIFICATION BY YOU. YOU MAY NOT SETTLE ANY SUCH MATTER WITHOUT OUR PRIOR WRITTEN CONSENT.

8. DISCLAIMER OF WARRANTIES

   THIS WEBSITE, INCLUDING ALL SERVICES, FEATURES, CONTENT, AND MATERIALS, IS PROVIDED ON AN "AS IS," "AS AVAILABLE," AND "WITH ALL FAULTS" BASIS. TO THE FULLEST EXTENT PERMITTED BY LAW, WE MAKE NO REPRESENTATIONS OR WARRANTIES OF ANY KIND, EXPRESS, IMPLIED, OR STATUTORY, INCLUDING WITHOUT LIMITATION ANY WARRANTIES OF TITLE, MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON‑INFRINGEMENT, SYSTEM INTEGRATION, OR WORKMANSHIP.

   WITHOUT LIMITING THE FOREGOING, WE DO NOT WARRANT THAT THE WEBSITE OR SERVICES WILL BE UNINTERRUPTED, ERROR‑FREE, SECURE, OR THAT DEFECTS WILL BE CORRECTED. WE DO NOT WARRANT THE ACCURACY, COMPLETENESS, RELIABILITY, OR TIMELINESS OF ANY CONTENT OR INFORMATION AVAILABLE THROUGH THE WEBSITE OR SERVICES. YOU USE THIS WEBSITE AND SERVICES AT YOUR OWN RISK.

9. LIMITATION OF LIABILITY

   TO THE MAXIMUM EXTENT PERMITTED BY LAW, FUTURE PATH ADVISORS AND ITS OWNERS, DIRECTORS, OFFICERS, EMPLOYEES, AND OPERATORS WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES (INCLUDING, WITHOUT LIMITATION, DAMAGES FOR LOSS OF PROFITS, LOSS OF DATA, BUSINESS INTERRUPTION, OR LOSS OF OPPORTUNITY) ARISING OUT OF OR IN CONNECTION WITH YOUR USE OF, OR INABILITY TO USE, THE WEBSITE OR SERVICES, THESE TERMS, OR ANY CONTENT OR MATERIALS PROVIDED THROUGH THE WEBSITE, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

   THESE LIMITATIONS APPLY REGARDLESS OF THE LEGAL THEORY UNDER WHICH DAMAGES ARE SOUGHT, WHETHER IN CONTRACT, TORT (INCLUDING NEGLIGENCE), STRICT LIABILITY, OR OTHERWISE, AND EVEN IF ANY REMEDY FAILS OF ITS ESSENTIAL PURPOSE.

10. PRIVACY POLICY

    Our Privacy Policy is incorporated into these Terms and describes how we collect, use, and share information about you. Please review it carefully. By using the Website, you agree to the terms of our Privacy Policy as well.

11. SEVERANCE

    These Terms shall be enforced to the maximum extent permitted by applicable law. If any provision is held to be invalid, illegal, or unenforceable, that provision shall be deemed modified to the minimum extent necessary to make it enforceable, or, if that is not possible, it shall be severed from these Terms, and the remaining provisions will continue in full force and effect. Headings are included for convenience only and do not affect the interpretation of any provision. Our failure to enforce any right or provision will not be deemed a waiver of that right or provision.

12. CHOICE OF LAW, VENUE, AND LIMITATIONS

    These Terms, and any dispute arising out of or relating to them or the Website, shall be governed by and construed in accordance with the laws of the State of Delaware, without regard to its conflict‑of‑laws principles. You agree that any claim or cause of action you may have arising out of or relating to the Website or these Terms must be brought within one (1) year after such claim or cause of action accrues, or it will be permanently barred.

13. CLASS ACTION WAIVER

    TO THE EXTENT PERMITTED BY LAW, YOU AND WE (COLLECTIVELY, THE "PARTIES") AGREE THAT ANY DISPUTES OR CLAIMS ARISING OUT OF OR RELATING TO THESE TERMS OR THE WEBSITE WILL BE RESOLVED ONLY ON AN INDIVIDUAL BASIS AND NOT AS PART OF ANY CLASS, COLLECTIVE, REPRESENTATIVE, OR CONSOLIDATED ACTION. YOU MAY BRING CLAIMS ONLY ON YOUR OWN BEHALF, AND YOU EXPRESSLY WAIVE ANY RIGHT TO PARTICIPATE AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS OR REPRESENTATIVE PROCEEDING.

14. BINDING ARBITRATION

    EXCEPT AS OTHERWISE PROVIDED BELOW, YOU AND WE AGREE THAT ANY DISPUTE, CLAIM, OR CONTROVERSY ARISING OUT OF OR IN ANY WAY RELATING TO THESE TERMS OR YOUR USE OF THE WEBSITE WILL BE RESOLVED EXCLUSIVELY BY BINDING ARBITRATION BEFORE A SINGLE ARBITRATOR, CONDUCTED UNDER THE COMMERCIAL RULES OF THE AMERICAN ARBITRATION ASSOCIATION ("AAA") IN KENT COUNTY, DELAWARE, RATHER THAN IN A COURT OF LAW.

    Discovery in the arbitration shall be completed within one hundred twenty (120) calendar days after the arbitrator is appointed. Each Party will have the right to be represented by counsel, to present written and oral evidence and argument, and to cross‑examine witnesses. Where appropriate, the arbitrator may permit testimony to be provided via telephone, video, or other remote means. The arbitrator shall issue a written decision and will provide the reasons for the award. The award will be final and binding on the Parties and may be enforced in any court of competent jurisdiction.

    The prevailing Party in any arbitration proceeding to enforce its rights under these Terms shall be entitled to recover reasonable attorneys’ fees and costs (including AAA and arbitrator fees), not to exceed fifty thousand dollars ($50,000.00). The arbitrator shall not award punitive or exemplary damages. The Parties waive any right to appeal the arbitrator’s decision and award, except as permitted under applicable law. Nothing in this section prevents either Party from seeking judicial assistance to: (a) compel arbitration; (b) obtain interim or provisional relief; (c) seek injunctive relief to protect confidential or proprietary information or intellectual property rights; or (d) enforce any arbitration award.

15. CONTACT US

    If you have questions about these Terms, you may contact us at:
    Email: contact@futurepathadvisors.cloud