Terms of Service

1. Agreement to Terms

These Terms of Service ("Terms") constitute a legally binding agreement between you ("User," "you," or "your") and Vola Finance ("Vola Finance," "we," "us," or "our") governing your access to and use of the website located at volafinanceusa.com (the "Site") and all related services, content, and tools provided through the Site (collectively, the "Services").

By accessing or using the Site in any manner, including but not limited to visiting, browsing, submitting a loan inquiry, or using any tools or calculators, you agree to be bound by these Terms. If you do not agree to these Terms, please stop using the Site immediately.

These Terms incorporate by reference our Privacy Policy, which describes how we collect, use, and share information about you. By agreeing to these Terms, you also agree to the Privacy Policy.

We reserve the right to update these Terms at any time. We will provide notice of material changes by posting the updated Terms on the Site and updating the "Effective Date" above. Your continued use of the Site after such changes constitutes your acceptance of the revised Terms.

2. Services Description

Vola Finance is an independent online platform that provides personal loan comparison tools, educational content, lender reviews, and loan referral services. Our Services include, but are not limited to:

• Publishing research-based reviews and comparisons of personal loan products from multiple lenders
• Providing loan calculators and APR estimation tools for educational purposes
• Allowing users to submit loan inquiry forms that may be shared with one or more third-party lenders in our network
• Publishing financial education articles, guides, and blog content related to personal lending
• Providing rate and APR information for informational purposes

The information provided on this Site is for general informational and educational purposes only. It should not be construed as financial, legal, tax, or investment advice. You should consult with a qualified professional before making any financial decisions.

Our loan calculator and APR estimation tools are designed for illustration purposes only. The results they produce are estimates based on the inputs you provide and do not represent an offer of credit, a guarantee of rates, or a prediction of loan approval.

3. Eligibility

To use the Services, you must meet the following eligibility requirements:

• You must be at least 18 years of age (or the age of majority in your state or jurisdiction, if higher)
• You must be a legal resident or citizen of the United States
• You must have a valid Social Security Number or Individual Taxpayer Identification Number
• You must have a valid bank account at a United States financial institution (if applying for a loan through our partner lenders)
• You must have the legal capacity to enter into binding contracts
• You must not be prohibited by law from receiving the Services

By using the Services, you represent and warrant that you meet all of the above eligibility requirements. If you do not meet these requirements, you must immediately stop using the Services. Vola Finance reserves the right to verify eligibility and deny access to any user who does not meet these requirements.

4. Not a Direct Lender

CLEARWAVE FINANCE IS NOT A DIRECT LENDER, BANK, CREDIT UNION, OR BROKER. WE DO NOT MAKE LENDING DECISIONS, ORIGINATE LOANS, HOLD FUNDS, SET INTEREST RATES, OR DETERMINE REPAYMENT TERMS.

The Services connect you with a network of third-party lenders who may offer loan products based on your submitted information. By submitting a loan inquiry through the Site, you authorize us to share your information with these lenders. The lenders in our network are independent entities and their offers are subject to their own terms and conditions, eligibility requirements, and creditworthiness assessments.

We do not guarantee that you will receive a loan offer, that any offer you receive will meet your needs, or that the terms of any offer will match the rates and information discussed on our Site. Loan approval, interest rates, loan amounts, and repayment terms are determined solely by the individual lenders and are based on your individual financial profile.

Vola Finance may receive compensation from partner lenders when users submit loan inquiries or when a loan is originated through our platform. This compensation may influence which lenders are featured on the Site and the prominence of their placement, but it does not affect the lenders' lending decisions or your loan terms.

We are not affiliated with, endorsed by, or in any way connected to Vola Inc. or the Vola Finance mobile application. Our domain name includes a related keyword for search discovery purposes only.

5. User Responsibilities

By using the Services, you agree to:

Accuracy of Information

Provide accurate, current, and complete information when submitting loan inquiries or communicating with us. You agree not to misrepresent your identity, financial situation, income, employment, creditworthiness, or any other information provided in connection with a loan inquiry. Providing false or misleading information in connection with a loan application is a federal crime under 18 U.S.C. § 1014.

Lawful Use

Use the Services only for lawful purposes and in accordance with these Terms. You agree not to:

• Use the Site in any way that violates applicable federal, state, or local laws or regulations
• Engage in any conduct that restricts or inhibits anyone's use or enjoyment of the Site
• Use any robot, spider, scraper, or other automated means to access the Site without our express written permission
• Attempt to gain unauthorized access to any portion of the Site or any other systems or networks connected to the Site
• Transmit any viruses, malware, or other harmful code
• Impersonate any person or entity or misrepresent your affiliation with any person or entity
• Submit multiple loan inquiries using false or different identities
• Interfere with or disrupt the integrity or performance of the Site

Account Security

If you create an account on our Site, you are responsible for maintaining the confidentiality of your account credentials and for all activity that occurs under your account. You agree to notify us immediately of any unauthorized use of your account.

6. Intellectual Property

The Site and its entire contents — including but not limited to text, articles, reviews, data, graphics, logos, icons, images, audio and video clips, software, and code — are the property of Vola Finance or its content suppliers and are protected by United States and international copyright, trademark, patent, trade secret, and other intellectual property laws.

We grant you a limited, non-exclusive, non-transferable, revocable license to access and use the Site for your personal, non-commercial use. This license does not include the right to:

• Reproduce, distribute, or create derivative works based on the Site's content without our express written permission
• Scrape, data mine, or systematically collect content from the Site
• Remove or alter any copyright, trademark, or other proprietary notices
• Use the Site's content for commercial purposes without a separate written agreement

The Vola Finance name, logo, and all related names, logos, product and service names, designs, and slogans are trademarks of Vola Finance. You may not use these marks without our prior written permission.

7. Disclaimer of Warranties

THE SITE AND SERVICES ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS WITHOUT ANY WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED. TO THE FULLEST EXTENT PERMITTED BY LAW, CLEARWAVE FINANCE EXPRESSLY DISCLAIMS ALL WARRANTIES, INCLUDING BUT NOT LIMITED TO:

• IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT
• WARRANTIES THAT THE SITE WILL BE UNINTERRUPTED, ERROR-FREE, OR SECURE
• WARRANTIES REGARDING THE ACCURACY, RELIABILITY, COMPLETENESS, OR TIMELINESS OF ANY CONTENT ON THE SITE
• WARRANTIES THAT DEFECTS WILL BE CORRECTED, OR THAT THE SITE OR SERVERS ARE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS

We do not warrant that the loan rates, terms, or products described on the Site are currently available or that you will qualify for any loan product. Interest rate information is provided for illustrative purposes and is subject to change without notice. Actual loan terms are determined solely by individual lenders.

8. Limitation of Liability

TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, CLEARWAVE FINANCE AND ITS OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, AFFILIATES, SUCCESSORS, AND ASSIGNS SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, PUNITIVE, OR EXEMPLARY DAMAGES, INCLUDING BUT NOT LIMITED TO:

• Loss of profits, revenue, or business
• Loss of data or information
• Loss of goodwill
• Personal injury or property damage
• Damages arising from your reliance on information provided on the Site
• Damages arising from your interactions with third-party lenders
• Damages resulting from any unauthorized access to or use of our servers or any personal information stored therein

IN NO EVENT SHALL OUR TOTAL LIABILITY TO YOU FOR ALL CLAIMS ARISING OUT OF OR RELATING TO THESE TERMS OR YOUR USE OF THE SERVICES EXCEED ONE HUNDRED DOLLARS ($100.00).

SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OR LIMITATION OF CERTAIN WARRANTIES OR DAMAGES, SO THE ABOVE LIMITATIONS MAY NOT APPLY TO YOU IN THEIR ENTIRETY. IN SUCH JURISDICTIONS, OUR LIABILITY WILL BE LIMITED TO THE GREATEST EXTENT PERMITTED BY LAW.

9. Indemnification

You agree to defend, indemnify, and hold harmless Vola Finance and its officers, directors, employees, agents, affiliates, successors, and assigns from and against any claims, liabilities, damages, judgments, awards, losses, costs, expenses, and fees (including reasonable attorneys' fees) arising out of or relating to:

• Your use of or inability to use the Site or Services
• Your violation of these Terms
• Your violation of any third-party right, including any intellectual property right, privacy right, or contractual right
• Your violation of any applicable law or regulation
• Any false or misleading information you provide in connection with a loan inquiry
• Any dispute between you and a third-party lender

We reserve the right to assume the exclusive defense and control of any matter otherwise subject to indemnification by you, in which event you will cooperate with us in asserting any available defenses.

10. Governing Law and Dispute Resolution

These Terms shall be governed by and construed in accordance with the laws of the State of Texas, without giving effect to any choice or conflict of law provision. Any legal action or proceeding arising under these Terms shall be brought exclusively in the federal or state courts located in Harris County, Texas, and you hereby consent to the personal jurisdiction of such courts.

Informal Dispute Resolution

Before initiating any formal legal proceedings, you agree to first contact us at [email protected] and provide a written description of the dispute. We will attempt to resolve the dispute informally within 30 days of receiving your notice. If we are unable to resolve the dispute informally, either party may pursue formal legal remedies.

Waiver of Class Actions

TO THE EXTENT PERMITTED BY LAW, YOU AGREE THAT ALL CLAIMS MUST BE BROUGHT IN YOUR INDIVIDUAL CAPACITY AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS ACTION, COLLECTIVE ACTION, OR REPRESENTATIVE PROCEEDING. YOU WAIVE YOUR RIGHT TO PARTICIPATE IN A CLASS ACTION LAWSUIT OR CLASS-WIDE ARBITRATION.

11. Changes to These Terms

We reserve the right to modify these Terms at any time at our sole discretion. We will provide notice of material changes by posting the updated Terms on the Site and updating the "Effective Date" at the top of this page. For significant changes, we may also provide notice by email (if you have provided us with your email address) or by posting a prominent notice on the homepage.

Your continued use of the Site after the effective date of any revision constitutes your acceptance of the revised Terms. If you do not agree to the revised Terms, you must stop using the Site. It is your responsibility to review these Terms periodically for changes.

12. Contact Us

If you have questions about these Terms of Service, please contact us:

Vola Finance
4200 Westheimer Rd, Suite 310
Houston, TX 77027
Email: [email protected]
Phone: [email protected]

These Terms of Service, together with our Privacy Policy and any other legal notices published by us on the Site, constitute the entire agreement between you and Vola Finance concerning your use of the Site and Services, and supersede all prior agreements, representations, and understandings.