CERTAIN DISCLOSURES REGARDING LEAD GENERATION

Moola-Loans.com (“we,” “us,” or “Service”) operates this website and its services solely as a marketing lead generator and aggregator. We are not a lender, creditor, broker, or credit services agent, and we do not make credit decisions or loan offers. Submitting a Service request through our site is not the same as submitting a direct loan application. You must apply directly with any lender you choose. We connect consumers with third-party financial service providers—such as consumer lenders, debt settlement companies, merchant cash advance firms, title lenders, and others (“Service Providers”). We do not endorse or recommend any particular Service Provider or product. The following disclosures explain how we handle and monetize your “lead” (i.e., your loan inquiry).

  1. Lead Generation & Aggregation

    • As a lead generator, we collect consumer inquiries on our own website.

    • As a lead aggregator, we also purchase leads from other third-party websites and resell them to our network of lead purchasers, which may include online/offline lenders, data managers, data brokers, and remarketing firms.

    • Submitting a Service request is merely an inquiry to be connected with a Service Provider; it is not a loan application or pre-qualification request, nor does it guarantee you’ll be connected with any lender or receive a loan.

  2. Connection to Lenders

    • If you are connected to a lender, you will be redirected to that lender’s website, where you can review all loan terms before agreeing.

    • We do not know or influence the specific rates, fees, or terms any lender may offer you, nor do we attempt to match you with the best possible loan.

  3. Compensation & “Ping Tree”

    • We receive a fee from purchasers for each lead we deliver.

    • We use a “ping tree” system to offer leads to purchasers in sequence—buyers who pay more per lead appear higher in the sequence. You should evaluate any offer on its own merits.

  4. No Agency or Endorsement

    • We act solely as a paid lead generator and aggregator; we do not represent you or any Service Provider, nor do we vet or endorse Service Providers’ licenses or qualifications.

  5. Service Availability

    • Our Service is not available in all U.S. states.

  6. Tribal & Offshore Lenders

    • Some purchasers may be tribal lenders (entities organized by Indian tribes) or offshore lenders (organized under foreign laws). They often claim immunity from state regulations and may not submit to local courts or consumer protection laws.

  7. Higher Rates & Ping-Tree Advantage

    • Tribal and offshore lenders frequently charge higher rates and thus pay more for leads—potentially placing them at the top of our ping-tree.

  8. Dispute Resolution

    • Many tribal lenders require that any contract disputes be resolved under tribal law through an exclusive tribal forum.

  9. Alternate Credit Offers

    • If you don’t qualify for the credit you request, you may instead receive offers for different credit products with potentially less favorable terms. You are under no obligation to accept or respond.

  10. Marketing & Communications Consent

    • By using our Service, you expressly consent to receive promotional materials and communications (email, phone, or SMS) from us, our network of lenders, and third-party lead purchasers—regardless of any Do-Not-Contact registrations. To opt out, follow the opt-out instructions in those communications or contact the sender directly.

  11. Credit Reporting & FCRA Authorization

    • By submitting your information, you authorize us under the Fair Credit Reporting Act to obtain your Social Security number, credit report, and credit score to verify your identity and connect you with lenders. You also permit any Service Provider to separately obtain your credit report and score for eligibility evaluations. You are not required to accept any offer or contract with any Service Provider.