Terms of Use

1. Acceptance & Binding Agreement

These Terms of Use ("Terms", "Agreement") constitute a legally binding agreement between you ("User", "you", or "your") and BillsHappen Media LLC ("BillsHappen", "we", "us", or "our"). These Terms govern your access to and use of the website located at billsahappen.com, our loan calculators, educational articles, and online loan inquiry services (collectively, the "Service").

By accessing or browsing the Service, submitting a loan option inquiry, or utilizing our interactive calculators, you affirmatively acknowledge that you have read, understood, and agree to be bound by these Terms of Use and our Privacy Policy. If you do not agree to all terms and conditions of this Agreement, you must immediately discontinue use of the Service.

2. Non-Lender Status & Referral Marketplace Disclosures

BillsHappen is an independent financial technology marketplace designed to assist consumers in identifying and comparing potential personal loan products from participating third-party lenders, lending networks, and credit partners:

• Not a Lender: BillsHappen is not a bank, financial institution, lender, loan broker, credit grantor, or financial adviser. We do not solicit loan applications, originate loans, fund loans, or make credit decisions.
• No Guarantee of Loan Offers: Submitting an inquiry through BillsHappen does not guarantee that you will be matched with a lender, receive a loan offer, or be approved for credit. Participating lenders independently establish their own underwriting criteria, minimum income thresholds, credit requirements, and state licensing boundaries.
• No Agency or Endorsement: BillsHappen does not endorse, recommend, or sponsor any specific lender, credit product, or rate. We act solely as an administrative conduit connecting consumer inquiries with participating providers.
• Compensation Disclosure: BillsHappen provides its loan exploration and calculator tools free of charge to consumers. We may receive referral compensation from participating lenders and financial networks when consumers submit inquiries or review offers. This compensation does not increase the interest rates or fees offered to you by participating lenders.

3. User Eligibility & Representations

By accessing the Service or submitting a loan inquiry, you expressly represent and warrant that:

• You are at least eighteen (18) years of age (or the legal age of majority in your jurisdiction of residence, which may be 19 in Alabama and Nebraska or 21 in Mississippi).
• You are a legal resident of the United States.
• You possess the legal capacity and authority to enter into a binding legal contract.
• You are accessing the Service for personal, consumer financial exploration and not for commercial reselling or automated data extraction.

4. Accuracy of Information & Anti-Fraud Obligations

You agree to provide true, accurate, current, and complete information when completing inquiry forms or utilizing interactive calculators. You must not impersonate any person or entity, submit false contact information, misrepresent your employment or income status, or use another individual's identity without lawful authorization.

Submitting fraudulent, deceptive, or misleading information is a violation of these Terms and may subject you to civil liability as well as criminal prosecution under applicable federal and state laws, including 18 U.S.C. § 1014 (statements on loan and credit applications).

5. Calculator Estimates & APR Disclaimers

All figures, monthly payments, annual percentage rate (APR) ranges, finance charges, and amortization schedules generated by our interactive calculators (including the Loan Calculator and Hero Loan Amount Selector) are provided strictly for illustrative and informational purposes:

Calculations do not constitute a formal Truth in Lending Act (TILA) disclosure or a binding loan commitment. You must review the formal loan agreement provided by your matched lender for binding financial terms.

6. Credit Inquiry & Underwriting Disclosures

When you use BillsHappen to explore options, our initial inquiry process does not require your Social Security Number (SSN). However, when you choose to connect with and submit an application to a participating third-party lender, that lender will conduct its own independent underwriting:

• Soft Credit Inquiries: Many lenders perform a "soft credit pull" to pre-qualify you for loan options. Soft pulls do not affect your FICO® or VantageScore® credit scores.
• Hard Credit Inquiries: If you proceed with a formal loan application and accept an offer, the lender may perform a "hard credit inquiry" with one or more national credit bureaus (Equifax, Experian, TransUnion). Hard inquiries may impact your credit score and will remain on your credit report for up to two years.
• Credit Reporting Agencies: Lenders may also consult alternative consumer reporting databases (such as Teletrack, Clarity Services, or FactorTrust) to verify banking history and outstanding obligations.

7. E-SIGN Act & Electronic Communications Consent

By submitting an inquiry or providing your email address and phone number on BillsHappen, you provide your affirmative electronic consent under the federal Electronic Signatures in Global and National Commerce Act (E-SIGN Act, 15 U.S.C. § 7001 et seq.) to receive all notices, disclosures, agreements, and communications electronically.

• Delivery Methods: Electronic communications may be delivered via email, website notices, or SMS/text messages (where explicitly consented to).
• Hardware & Software Requirements: To access and retain electronic records, you will need a device with internet access, standard web browser (Chrome, Safari, Edge, Firefox), and software capable of reading PDF files.
• Withdrawing Consent: You may withdraw your consent to receive future electronic promotional communications at any time by clicking the unsubscribe link in any email or emailing [email protected].

8. Intellectual Property & Limited License

All content, branding, logos, trademarks, text, software algorithms, interactive calculator scripts, visual stylesheets, and layout architecture on BillsHappen are the exclusive property of BillsHappen Media LLC or its licensors and are protected by United States and international copyright, trademark, and unfair competition laws.

We grant you a personal, non-exclusive, non-transferable, revocable, limited license to access and use the Service strictly for personal, non-commercial purposes in accordance with these Terms. You may not copy, reproduce, modify, republish, distribute, mirror, scrape, or create derivative works from any portion of the Service without our prior written authorization.

9. Prohibited Conduct & Use Restrictions

You agree not to engage in any of the following prohibited activities:

• Using automated scrapers, spiders, bots, crawlers, or data-mining tools to extract content, rates, or calculators from the Service.
• Attempting to interfere with, disrupt, or disable the proper functioning, security protocols, or network infrastructure of the Service.
• Introducing viruses, trojans, worms, logic bombs, or other technologically malicious materials.
• Attempting to gain unauthorized access to any accounts, computer systems, or networks connected to BillsHappen servers.
• Using the Service for any unlawful, fraudulent, defamatory, or predatory purpose.
• Framing or deep-linking to our inquiry workflows in a manner that creates misleading associations or implies endorsement.

10. Third-Party Websites & Lender Contracts

The Service contains links and automated routing to independent third-party websites, lenders, and lending networks. BillsHappen does not own, operate, or control these third-party websites. When you leave BillsHappen or enter into a loan agreement with a participating lender:

• Your relationship, loan terms, APR, monthly payments, fees, late penalties, and repayment schedules are governed strictly by that lender's individual contract, privacy policy, and terms.
• BillsHappen is not a party to any loan agreement, promissory note, or credit transaction entered into between you and any third-party lender.
• BillsHappen expressly disclaims all responsibility and liability for the acts, omissions, errors, representations, warranties, breaches, or negligence of any third-party lender or provider.

11. Disclaimer of Warranties

THE SERVICE, INCLUDING ALL CONTENT, CALCULATORS, ARTICLES, AND REFERRAL CAPABILITIES, IS PROVIDED STRICTLY ON AN "AS-IS" AND "AS-AVAILABLE" BASIS WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED.

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, BILLSHAPPEN DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, NON-INFRINGEMENT, ACCURACY, AND FREEDOM FROM COMPUTER VIRUSES OR HARMFUL COMPONENTS. WE DO NOT WARRANT THAT THE SERVICE WILL BE UNINTERRUPTED, TIMELY, SECURE, OR ERROR-FREE, OR THAT ANY DEFECTS WILL BE PROMPTLY CORRECTED.

12. Limitation of Liability

TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL BILLSHAPPEN MEDIA LLC, ITS OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, AFFILIATES, OR LICENSORS BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES (INCLUDING DAMAGES FOR LOSS OF PROFITS, REVENUE, GOODWILL, DATA, OR OTHER INTANGIBLE LOSSES) ARISING OUT OF OR RELATING TO:

• Your access to, use of, or inability to access or use the Service.
• Any conduct, loan terms, interest rates, or loan performance of any third-party lender or service provider.
• Any unauthorized access to, alteration of, or use of your transmissions or data.
• Any calculations, estimates, or educational guidance provided on the website.

IN NO EVENT SHALL BILLSHAPPEN'S TOTAL AGGREGATE LIABILITY TO YOU FOR ALL CLAIMS ARISING OUT OF OR RELATED TO THIS AGREEMENT EXCEED ONE HUNDRED UNITED STATES DOLLARS ($100.00 USD).

13. Indemnification

You agree to defend, indemnify, and hold harmless BillsHappen Media LLC, its parent companies, subsidiaries, affiliates, officers, directors, employees, and agents from and against any claims, liabilities, damages, judgments, awards, losses, costs, expenses, or reasonable legal fees arising out of or relating to:

• Your violation of these Terms of Use or any applicable law or regulation.
• Any inaccurate, fraudulent, or unauthorized information you submit through the Service.
• Your violation of any rights of a third party, including intellectual property or privacy rights.
• Your interactions or disputes with any third-party lender or credit provider connected through the Service.

14. Dispute Resolution & Mandatory Binding Arbitration

• Class Action Waiver: YOU AND BILLSHAPPEN AGREE THAT EACH PARTY MAY BRING CLAIMS AGAINST THE OTHER ONLY IN AN INDIVIDUAL CAPACITY AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS, CONSOLIDATED, OR REPRESENTATIVE PROCEEDING. The arbitrator may not consolidate more than one person's claims or preside over any form of representative proceeding.
• Informal Dispute Resolution: Before initiating formal arbitration, you agree to first send a written notice of dispute describing the claim and requested relief to [email protected]. We agree to make a good-faith effort to resolve the dispute informally within thirty (30) days of receiving notice.
• Small Claims Exception: Notwithstanding the agreement to arbitrate, either party may bring an individual action in small claims court if the claim falls within the jurisdictional limits of that court.
• Governing Law: This Agreement and any arbitration proceedings shall be governed by the Federal Arbitration Act (FAA) and the substantive laws of the State of California, without regard to its conflict of law principles.

15. State-Specific Consumer Lending Notices

Various state laws require specific disclosures regarding consumer loan referrals and financial services:

• California Residents: Loans made or arranged pursuant to California Financing Law (CFL) licenses. BillsHappen does not originate or service loans in California and operates strictly as an unlicensed marketing/referral portal.
• New York Residents: New York law prohibits predatory lending and restricts interest rates. Registered lenders comply with New York state usury limits.
• Texas Residents: Credit access businesses and third-party lenders operating in Texas comply with the Texas Finance Code Chapter 393 and applicable local ordinances.
• Florida Residents: Florida consumers are protected under Chapter 516 (Consumer Finance) and Chapter 520 (Retail Installment Sales).

16. Miscellaneous, Severability & Contact

Entire Agreement: These Terms of Use, along with our Privacy Policy and Responsible Lending Principles, constitute the entire agreement between you and BillsHappen regarding the Service.

Severability: If any provision of these Terms is found to be unlawful, void, or for any reason unenforceable, that provision shall be deemed severable and shall not affect the validity and enforceability of any remaining provisions.

No Waiver: Our failure to exercise or enforce any right or provision of these Terms shall not operate as a waiver of such right or provision.

Modifications: We reserve the right to modify these Terms of Use at any time. When modifications occur, we will update the "Last Updated" date at the top of this document. Your continued use of the Service following posted changes constitutes your acceptance of the revised Terms.