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1. ACCEPTANCE OF TERMS

Welcome to RadCred.com (the “Site”), owned and operated by RadCred, LLC (“RadCred,” “we,” “us,” or “our”). These Terms of Use govern your access to and use of our Site and services (collectively, “Services”). By accessing or using our Site, you agree to be bound by these Terms and our Privacy Policy, which is incorporated herein by reference.

We reserve the right to modify these Terms at any time without prior notice. Your continued use of the Site after any changes constitutes acceptance of the new Terms. It is your responsibility to review these Terms periodically.

2. DESCRIPTION OF SERVICES

RadCred operates as an AI-powered loan matching platform that connects borrowers with licensed lending partners in our network. RadCred is NOT a lender and does NOT make loans or credit decisions. We provide technology-driven matching services that connect borrowers with appropriate lending partners based on comprehensive financial profiles.

Our Services include:

  • AI-powered loan matching using several data points
  • Soft credit check prequalification (no FICO impact)
  • Comparison of loan offers from multiple licensed lenders
  • Secure application processing and lender connections
  • Customer support throughout the matching process

Important Disclaimers:

  • RadCred does not guarantee loan approval from any lender
  • Final loan terms, rates, and approval are determined solely by individual lenders
  • RadCred is not a credit repair organization or financial advisor
  • Our Services are for informational and matching purposes only

3. USER 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 an active checking account
  • Provide accurate and complete information

By using our Site, you represent and warrant that you meet these eligibility requirements.

4. ACCOUNT REGISTRATION AND SECURITY

You may need to create an account to access certain Services. 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
  • Notify us immediately of any unauthorized access
  • Accept responsibility for all activities under your account

We reserve the right to suspend or terminate accounts that violate these Terms.

5. CONSENT TO ELECTRONIC COMMUNICATIONS

By using our Services, you consent to receive all communications from us electronically, including:

  • Terms of Use and Privacy Policy updates
  • Service-related notifications
  • Marketing communications (subject to opt-out rights)
  • Legal notices and disclosures

You must have access to:

  • A current web browser supporting 128-bit encryption
  • A valid email address
  • Internet connection
  • PDF reader software
  • Device capable of accessing and storing electronic documents

You may withdraw this consent by contacting us, though this may limit your ability to use our Services.

6. CONSENT TO CREDIT INQUIRIES

By using our Services, you provide written instruction under the Fair Credit Reporting Act (FCRA) for RadCred and our lending partners to:

  • Obtain consumer reports and credit scores from credit bureaus
  • Access your credit information for loan matching purposes
  • Share your credit information with potential lending partners

Important Credit Information:

  • RadCred uses only soft credit inquiries during matching (no FICO impact)
  • Lenders may perform hard credit inquiries if you accept loan offers
  • Your credit information may be accessed multiple times during the loan process
  • You have the right to dispute inaccurate credit information

7. DATA COLLECTION AND SHARING

Our AI matching system analyzes 100+ data points including:

  • Personal identification information
  • Employment and income data
  • Banking and financial information
  • Credit history and scores
  • Device and browser information

Information Sharing:
 We may share your information with:

  • Licensed lending partners in our network
  • Service providers supporting our operations
  • Third parties as required by law
  • Affiliates and business partners (with consent)

For complete details on data practices, see our Privacy Policy.

8. CALIFORNIA CONSUMER PRIVACY ACT (CCPA)

California residents have specific rights regarding personal information:

  1. Right to Know: Request disclosure of personal information collected, used, and shared
  2. Right to Delete: Request deletion of personal information (subject to legal exceptions)
  3. Right to Opt-Out: Prohibit the sale of personal information to third parties
  4. Right to Non-Discrimination: No discrimination for exercising CCPA rights

To exercise these rights, contact our customer support.

9. CONSENT TO COMMUNICATIONS

You consent to receive communications from RadCred and our lending partners via:

  • Email to your provided address
  • Phone calls to provided numbers (including mobile)
  • Text messages (where applicable)
  • Postal mail

TCPA Consent: You expressly consent to receive calls using automated telephone dialing systems or prerecorded messages, even if your number is on a Do Not Call list. You may opt out at any time by following the provided instructions.

10. PROHIBITED USES

You agree not to:

  • Provide false or misleading information
  • Use the Site for fraudulent purposes
  • Attempt to breach security measures
  • Access data not intended for you
  • Interfere with Site operations
  • Use automated systems to access the Site
  • Violate any applicable laws or regulations

11. INTELLECTUAL PROPERTY

All Site content, including text, graphics, logos, software, and data, is owned by RadCred or licensed to us and protected by intellectual property laws. You may use our content solely for personal, non-commercial purposes related to using our Services.

12. THIRD-PARTY RELATIONSHIPS

Our Site may contain links to third-party websites or services. RadCred is not responsible for third-party content, services, or privacy practices. Your interactions with third parties are solely between you and those parties.

Lending Partners: Our lending partners are independent entities. RadCred is not responsible for their lending decisions, loan terms, or customer service.

13. DISCLAIMERS AND WARRANTIES

THE SITE AND SERVICES ARE PROVIDED “AS IS” AND “AS AVAILABLE” WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT.

RadCred does not warrant that:

  • The Site will be uninterrupted or error-free
  • Defects will be corrected
  • The Site is free from viruses or harmful components
  • Information provided is accurate or complete

14. LIMITATION OF LIABILITY

TO THE MAXIMUM EXTENT PERMITTED BY LAW, RADCRED SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING LOST PROFITS, ARISING FROM YOUR USE OF THE SITE OR SERVICES.

Our total liability for all claims shall not exceed $100.

Some jurisdictions do not allow limitation of liability, so these limitations may not apply to you.

15. INDEMNIFICATION

You agree to defend, indemnify, and hold harmless RadCred and its officers, directors, employees, and agents from any claims, damages, or expenses arising from:

  • Your use of the Site or Services
  • Your violation of these Terms
  • Your violation of any third-party rights
  • Any false or misleading information you provide

16. DISPUTE RESOLUTION AND ARBITRATION

IMPORTANT: THIS SECTION CONTAINS A BINDING ARBITRATION CLAUSE AND CLASS ACTION WAIVER THAT AFFECTS YOUR LEGAL RIGHTS.

Binding Arbitration: Any dispute arising from these Terms or your use of our Services must be resolved through binding arbitration rather than in court, except for small claims court matters.

Class Action Waiver: You waive your right to participate in class actions, class-wide arbitrations, or representative proceedings.

Arbitration Process:

  • Disputes will be resolved by the American Arbitration Association (AAA)
  • Governed by the Federal Arbitration Act
  • Conducted via telephone, online, or in-person as determined by the arbitrator
  • Each party bears their own costs unless otherwise required by law

Opt-Out Right: You may opt out of arbitration by sending written notice within 30 days of first accepting these Terms to: support@radcred.com

17. STATE-SPECIFIC DISCLOSURES

California Residents:
You may request information about our information-sharing practices for direct marketing purposes.
Married Wisconsin Residents:
If married, loan applications may be made on behalf of your marriage or family, and your spouse may receive copies of loan agreements.
All States:
RadCred operates nationwide and works only with licensed lenders who comply with applicable state and federal regulations.

18. GOVERNING LAW AND JURISDICTION

These Terms are governed by the laws of Delaware, without regard to conflict of law principles. Any disputes not subject to arbitration shall be resolved in the state or federal courts of Delaware.

19. CONTACT INFORMATION

For questions about these Terms or our Services:
RadCred, LLC
Customer Service Department
Email: support@radcred.com
Phone: Available through customer portal
Website: https://radcred.com/

20. SEVERABILITY

If any provision of these Terms is found unenforceable, the remaining provisions will remain in full force and effect.

21. ENTIRE AGREEMENT

These Terms, together with our Privacy Policy, constitute the entire agreement between you and RadCred regarding use of our Services and supersede all prior agreements.

By clicking “I Agree” or using our Services, you acknowledge that you have read, understood, and agree to be bound by these Terms of Use.

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