Last Updated: August 4, 2026
By accessing, browsing and/or using the website located at informedchoicegroup.com (the “Site”), you represent that you are at least 18 years old and that you are legally able to enter into this agreement. You further acknowledge that you have read, understand, and agree to be bound to these Terms & Conditions (“Terms”) (including the arbitration and class action waiver provisions below), the Privacy Policy, and to comply with all applicable laws and regulations. Digital Reach, LLC, dba Informed Choice, and its respective officers, directors, members, owners, employees, agents, and representatives are collectively incorporated into and included in any reference to the “Site”, “Company”, “Us”, “Our”, and/or “We” herein. Each party is individually referred to herein as a “Party” and collectively as the “Parties.”
By accessing, using, or submitting information to the Site, you agree to comply with and be bound by the following Terms, and the Privacy Policy (collectively, the “Agreement”), in addition to any and all other applicable laws and regulations. THIS AGREEMENT CONTAINS WARRANTY DISCLAIMERS AND OTHER PROVISIONS THAT LIMIT OUR LIABILITY TO YOU. PLEASE READ THIS AGREEMENT IN ITS ENTIRETY. If you do not agree to the Agreement in its entirety, you are not authorized to use the Site.
This Agreement constitutes the entire and only agreement between you and the Company with respect to your use of this Site, and supersedes all prior agreements, representations, warranties and/or understandings with respect to the Site. As such, you agree to the terms set forth in this Agreement with respect to your use of the Site. We may amend the Agreement from time to time in Our sole discretion, without specific notice to you; provided, however, that any amendment or modification to the arbitration provisions, prohibition on class actions provisions or any other provisions applicable to dispute resolution shall not apply to any disputes incurred prior to the applicable amendment or modification. The latest Agreement will be posted on the Site, and you should review the Agreement prior to using the Site. By your continued use of the Site, you hereby agree to comply with and be bound by all of the terms contained within the Agreement effective at that time.
WE ARE NOT A LENDER AND/OR LENDING PARTNER; WE DO NOT BROKER LOANS; WE DO NOT MAKE CASH ADVANCES; AND WE DO NOT MAKE CREDIT DECISIONS. THE SITE DOES NOT CONSTITUTE AN OFFER OR SOLICITATION TO LEND. WE ARE NOT AN AGENT OR REPRESENTATIVE OF ANY LENDER. IF YOU SUBMIT A REQUEST THROUGH THE SITE, WE WILL SHARE YOUR REQUEST FOR LOAN OPTION INFORMATION WITH ONE OR MORE OF OUR THIRD PARTY SERVICE PROVIDERS (“MARKETPLACE PARTNERS”), INCLUDING BUT NOT LIMITED TO LENDERS, FINANCIAL SERVICE PROVIDERS, OR MARKETERS. WE DO NOT GUARANTEE THAT YOU WILL BE CONNECTED WITH A MARKETPLACE PARTNER, NOR ANY PARTICULAR LOAN PROGRAM, NOR THAT YOU WILL RECEIVE A LOAN. WE DO NOT GUARANTEE THAT THE PRICE, PRODUCT, AVAILABILITY, RATES, FEES, OR ANY OTHER LOAN TERMS OFFERED AND MADE AVAILABLE BY ANY MARKETPLACE PARTNERS ARE THE BEST TERMS AVAILABLE IN THE MARKET. NOT ALL MARKETPLACE PARTNERS CAN PROVIDE YOUR REQUESTED LOAN AMOUNT OR THE MOST FAVORABLE REPAYMENT TERMS. YOU MAY BE REQUIRED BY MARKETPLACE PARTNERS TO PROVIDE ADDITIONAL INFORMATION.
The Site is an online loan inquiry marketplace (the “Services”), which connects consumers who are seeking personal loans with Our Marketplace Partners who may offer loan products suited to the consumer’s financial profile. If you are matched with a Marketplace Partner, any subsequent interactions you have with any such Marketplace Partners are subject to their privacy policies, terms of use, and other policies or terms enforced by the respective Marketplace Partners.
You should carefully review any loan offer and all associated terms before entering into any agreement with a Marketplace Partner.
In connection with the Services, the Site features a loan inquiry form through which you may submit personal and financial information to be matched with Marketplace Partners. The information provided on the Site is for informational purposes only and does not constitute financial, credit, legal, or tax advice. We encourage you to consult with qualified professionals before making any financial decisions.
If you are a resident of Connecticut, New Hampshire, Washington, Vermont, or an active member of the U.S. Military, you are not eligible to submit a request through the Site.
Availability of the Site and the Services may change without notice.
If you submit a request through the Site for loan option information: We will share your information with the identified Marketplace Partners, or redirect your browser to their website. Once We connect you with any Marketplace Partners, We have no further involvement in your request for loan option information, nor the approval process utilized by any Marketplace Partners.
You expressly authorize the Marketplace Partners you are connected with to share among its affiliates, loan servicers, and bank partners any information for the purpose of evaluating you for credit, including performing a soft credit pull.
We are not responsible for any failure or delay in providing the Services caused by errors, inaccuracies, or falsity in any of the information provided by you or by any technical problems beyond Our reasonable control.
The Site contains certain content which is Our property, including but not limited to text, graphics, icons, images, photographs, derivatives thereof, etc. (“Intellectual Property”), which may be protected by copyright, trademark, and other laws. We hereby grant you a non-exclusive, non-transferable, non-sublicensable, revocable, and limited license to use the Site, subject to these Terms. No other use of the Site is authorized, and the design and layout of the Site are specifically excluded from the above limited license. Framing of the Site is strictly prohibited. Except for the limited license granted above, nothing contained herein shall be construed as conferring to you in any manner, whether by implication, estoppel or otherwise, any license, title, or ownership of or to any Intellectual Property right related to the Site. We may terminate this license at any time for any reason, and reserve the right to prohibit you from accessing the Site.
You are prohibited from violating or attempting to violate any security features of the Site, including, without limitation, (a) accessing content or data not intended for you, or logging onto a server or account that you are not authorized to access; (b) attempting to probe, scan, or test the vulnerability of the Site, or any associated system or network, or to breach security or authentication measures without proper authorization; (c) interfering or attempting to interfere with service to any user, host, or network, including, without limitation, by means of submitting a virus to the Site, overloading, “flooding,” “spamming,” “mail bombing,” or “crashing”; (d) attempting to, or modifying, removing, disabling, or circumventing any proprietary notices or labels, copyright, logo, trademark, or any other intellectual property notices contained on the Site or in the materials or links featured on the Site; (e) copying or creating derivative works of the Site, or that otherwise infringe Our Intellectual Property; or (f) attempting to modify, reverse-engineer, decompile, disassemble, or otherwise reduce or attempt to reduce to a human-perceivable form any of the source code used to provide the Site. Any violation of system or network security may subject you to civil and/or criminal liability.
The Site does not guarantee that you will receive a loan offer, be matched with a Marketplace Partner, or that any loan offer you receive will meet your needs or expectations. Loan approval, amounts, rates, terms, and conditions are determined solely by the applicable Marketplace Partner, based on that third party’s own underwriting criteria. We have no control over and make no representations regarding any lender’s decision to extend credit or the terms of any credit extended. Nothing on this Site constitutes a commitment to lend.
By submitting a loan inquiry through the Site, you acknowledge that We may share your personal and financial information with one or more Marketplace Partners, and that the designated Marketplace Partners may contact you regarding the requested services. We receive compensation from Marketplace Partners in connection with such referrals/the leads generated through the Site. This compensation may affect which Marketplace Partners are featured on the Site.
The Site is tailored towards personal loans; however, We also work with Marketplace Partners who may offer other short-term loans so that We can help consumers with varying types of creditworthiness.
Upon accessing the Site, We will attempt to direct you to a personal loan offer. Unfortunately, not all consumers meet the criteria established by personal loan lenders and/or lending partners, in which case, you may be directed to a lender and/or lending partner that offers other short-term loans.
The vast majority of users presented with a loan offer are only presented with a short-term lending option between $100–$2,500. These loans have less favorable rates and shorter terms than personal loans.
We encourage you to conduct research to determine the best loan option for your situation.
By providing your information and submitting your request, you are providing written consent under the Fair Credit Reporting Act to the Marketplace Partners and agree that (a) you are submitting an inquiry about loan products offered by Marketplace Partners; (b) We will share some or all of your loan request information with Marketplace Partners, consistent with the terms of our Privacy Policy; and (c) your consent allows Marketplace Partners to review, verify, and research your information in real-time or otherwise for pre-qualification purposes and to determine whether you may qualify to receive a loan, including by verifying your social security number, reviewing your information against national databases of consumer financial transaction information, performing a credit check with TransUnion, Experian, and Equifax, and/or taking any other steps necessary to make a decision on whether to extend credit or advance cash.
We require that all emails promoting the Site are sent only to individuals who have agreed to receive such messages.
We prohibit any advertising of Our Site using unsolicited email messages. If you feel that you have been sent unsolicited emails promoting the Site and would like to register a complaint, please contact Us. We will investigate all allegations made related to any unsolicited messages.
You may also opt-out of receiving future emails by clicking on the unsubscribe link of any email advertising the Site.
The Site may contain links to third party websites. Any interactions you have with any such third parties are subject to their privacy policies, terms of use, and other policies or terms enforced by the respective third parties.
We are not an agent of you or any Marketplace Partner connected to you through the Site or the Services.
We are not involved with any Marketplace Partner’s review and/or use of your information submitted through the Site in connection with your request for loan information services, or in making a determination about whether you meet a particular third party service provider’s loan qualification criteria.
We do not recommend nor endorse the products of any particular Marketplace Partner connected to you through the Site or the Services.
The applicable Marketplace Partner is solely responsible for its services to you.
You understand that the Marketplace Partners may keep your information for their own business and marketing purposes, whether or not you qualify for a loan with them.
However, no representations or warranties are made with respect to any information, products, or services provided by such third parties, or which is contained in or at such third party websites, and there shall be no liability for any damages or injury arising from the conduct of such third parties and/or the content of such third party websites.
You agree to hold Us harmless from any claims which you may have against a Marketplace Partner or any other third party service provider that contacted you based on your request, or which you linked to or accessed through the Site or the Services, and you agree that We shall not be liable for any damages or costs of any type arising out of or related in any way to your use of the Site or the Services.
All personal information that you provide to Us through the Site is subject to Our Privacy Policy. The Privacy Policy is expressly incorporated into the Agreement by this reference.
By entering the information requested in the prompts and/or fields on the Site and clicking “Next” (or any similarly worded button) and submitting your loan inquiry to Us, you confirm that you intend to sign and adopt such as Your electronic signature; and agree that We may provide you with electronic communications and disclosures (collectively, “Communications”) via email at the email address you provided; and that your electronic signature on agreements and documents has the same effect as if you signed them in writing.
You have the right to withdraw consent: to withdraw your consent at no charge, you may email us at [email protected]. Withdrawal of your consent may result in termination of Your access to the Site and/or the Services. Any withdrawal will be effective only after a reasonable period of time for Us to process the withdrawal. You are responsible for providing Us with true and accurate information, including Your contact information, and may update your information by emailing us.
To access and retain the Communications, you will need the following: computer or mobile device with access/use of the internet or mobile connectivity and an operating system capable of receiving, accessing, and displaying Communications; a supported internet browser; sufficient storage space to save Communications and/or a printer to print them; and a valid email account and software to access such email account. You have the right to receive Communications in paper or in non-electronic form. Please contact Us at [email protected] to request a paper copy of any Communications at no charge. A request will not be treated as a withdrawal of consent to receive electronic Communications.
YOU ACKNOWLEDGE AND AGREE THAT YOUR USE OF THE SITE IS AT YOUR SOLE RISK. THE SITE IS PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS, WITHOUT ANY WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO WARRANTIES AS TO RELIABILITY, TIMELINESS, QUALITY, SUITABILITY, AVAILABILITY, ACCURACY, COMPLETENESS, TITLE, ANY IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT. WE DO NOT AND CANNOT WARRANT THE PERFORMANCE OR RESULTS THAT YOU MAY OBTAIN BY USING THE SITE. WE DO NOT WARRANT THAT ACCESS TO OR USE OF THE SITE WILL BE UNINTERRUPTED, ERROR FREE, OR FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS. WE DO NOT WARRANT THAT THE SITE WILL MEET YOUR REQUIREMENTS OR EXPECTATIONS. WE MAKE NO REPRESENTATIONS OR WARRANTIES REGARDING ANY MARKETPLACE LENDER PARTNER, INCLUDING AS TO THE AVAILABILITY, ACCURACY, COMPLETENESS, OR SUITABILITY OF ANY LOAN PRODUCT OR LOAN TERMS OFFERED BY ANY SUCH PARTNER.
TO THE MAXIMUM EXTENT PERMITTED BY LAW, YOU AGREE TO RELEASE AND HOLD HARMLESS DIGITAL REACH, LLC, DBA INFORMED CHOICE AND ITS OFFICERS, DIRECTORS, OWNERS, EMPLOYEES, ATTORNEYS, AGENTS, REPRESENTATIVES, AND ASSIGNS (THE “RELEASED PARTIES”), FROM ANY AND ALL LIABILITY, LOSS, HARM, DAMAGE, INJURY, COST, OR EXPENSE WHATSOEVER, INCLUDING, WITHOUT LIMITATION, PROPERTY DAMAGE AND PERSONAL INJURY, WHICH MAY OCCUR, IN WHOLE OR IN PART, DIRECTLY, OR INDIRECTLY, IN CONNECTION WITH YOUR USE OF THE SITE, AS WELL AS FOR ANY DAMAGES FOR LOSS OF PROFITS, LOSS OF DATA, BUSINESS INTERRUPTION, LOSS OF OR DAMAGE TO ANY PROPERTY OR EQUIPMENT, OR ANY OTHER COMMERCIAL DAMAGES OR LOSSES, ARISING OUT OF OR RELATED TO YOUR USE OR INABILITY TO USE THE SITE, HOWEVER CAUSED, REGARDLESS OF THE THEORY OF LIABILITY (CONTRACT, TORT, OR OTHERWISE), AND EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. WE WILL NOT BE LIABLE FOR ANY DIRECT, INDIRECT, PUNITIVE, SPECIAL, EXEMPLARY, INCIDENTAL, CONSEQUENTIAL OR OTHER DAMAGES OF ANY TYPE OR KIND (INCLUDING, BUT NOT LIMITED TO, LOST PROFITS OR ATTORNEY’S FEES) ARISING OUT OF OR RELATED TO YOUR ACCESS TO, INABILITY TO ACCESS, OR USE OF THE SITE, OR THE RELATIONSHIP OF THE PARTIES, OR FROM YOUR RELIANCE ON ANY INFORMATION PROVIDED THROUGH THE SITE. THIS LIMITATION APPLIES TO ALL CAUSES OF ACTION IN THE AGGREGATE INCLUDING, BUT NOT LIMITED TO, BREACH OF CONTRACT, BREACH OF WARRANTY, NEGLIGENCE, STRICT LIABILITY, MISREPRESENTATION, AND ANY OTHER TORT. BECAUSE SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OF CERTAIN WARRANTIES OR THE LIMITATION OR EXCLUSION OF LIABILITY FOR INCIDENTAL OR CONSEQUENTIAL DAMAGES, SOME OF THE ABOVE LIMITATIONS MAY NOT APPLY TO YOU. IN SUCH JURISDICTIONS, OUR LIABILITY IS LIMITED AND WARRANTIES ARE EXCLUDED TO THE GREATEST EXTENT PERMITTED BY LAW. IF YOU ARE DISSATISFIED WITH ANY PORTION OF THE SITE, YOUR SOLE AND EXCLUSIVE REMEDY IS TO DISCONTINUE USING THE SITE.
You will indemnify, defend, and hold harmless Us (including the Released Parties) (collectively, the “Indemnified Parties”) from and against any and all claims, costs, damages, losses, liabilities, and expenses (including reasonable attorney’s fees) arising out of or related to your breach of this Agreement, including but not limited to any breach of its representations and warranties; any other claim arising out of or related to your use of the Site; your violation of any applicable law or regulation or right of a third party; and your acts or omissions. You shall cooperate as fully as reasonably required in defense of any such claim. You further agree to reimburse the Indemnified Parties for any costs (including any attorney’s fees) incurred in receiving, managing, and/or responding to any claim arising out of or related to your use of the Site, and you agree to cooperate with Us and Our requests. We reserve the right, at Our own expense, to assume the exclusive defense and control of any matter subject to indemnification by you.
In the event that We determine, in Our sole discretion, that you have violated the Agreement, We shall have the right to immediately terminate your use of the Site, and the related Services, in addition to electing to pursue any other remedies available to Us under applicable law.
The laws of the State of Nevada without reference to their rules regarding conflicts of law shall govern use of the Site and the Services, the validity and construction of this Agreement, and the interpretation of the rights and duties arising under such.
Except as otherwise provided by applicable law, and except for any injunctive relief claims, any and all controversies and disputes arising in connection with use of the Site and the Services, this Agreement (including the enforcement, interpretation, making, performance, breach, validity or termination thereof, of the Terms & Conditions or the Privacy Policy) shall be settled by binding arbitration administered by a single, neutral arbitrator appointed by JAMS in accordance with its Comprehensive Arbitration Rules & Procedures. Any disputes, including any threshold disagreement about the arbitrability of any claim, shall be delegated to the arbitrator (and not a court). The place of arbitration shall be at a JAMS location in Las Vegas, Nevada. In addition to the laws of the State of Nevada, the United States Federal Arbitration Act shall govern the interpretation, enforcement, and proceedings pursuant to this arbitration clause. In no event shall the arbitrator have any authority to award punitive or other damages not measured by the prevailing Party’s actual damages, except as may be required by statute. Each Party shall bear its own costs and expenses, including its own attorney’s fees. The arbitrator shall not determine or award any alternative allocation of costs and expenses, including any attorney’s fees. Judgment upon the arbitration award may be entered in any court having jurisdiction thereof. You agree and submit to the personal jurisdiction and venue of any such court of competent jurisdiction. In the event that this arbitration clause is deemed to be invalid or otherwise unenforceable or illegal, the remaining terms of this Agreement shall remain in full force and effect, including the waiver of the right to proceed in a class action.
EXCEPT AS OTHERWISE PROVIDED HEREIN, THE PARTIES HEREBY AGREE TO WAIVE THEIR RIGHT TO HAVE ANY DISPUTE BETWEEN THEM RESOLVED IN A COURT OF LAW OR BY A JUDGE OR JURY, AND THAT THE INFORMATION THAT CAN BE OBTAINED IN DISCOVERY FROM EACH OTHER OR FROM THIRD PERSONS IN ARBITRATION IS GENERALLY MORE LIMITED THAN IN A LAWSUIT. IN ADDITION, OTHER RIGHTS THAT THE PARTIES WOULD HAVE IN COURT MAY NOT BE AVAILABLE IN ARBITRATION.
THE PARTIES ALSO HEREBY AGREE TO WAIVE THE RIGHT TO BRING OR PARTICIPATE IN ANY CONSOLIDATED OR CLASS ACTION AND AGREE THAT ALL FORMS OF CLASS ACTION OR CLASS ARBITRATION ARE EXPRESSLY PROHIBITED.
Regardless of any statute or law to the contrary, any claim or cause of action arising out of or related to your use of the Site, and/or this Agreement, must be brought within one (1) year after such claim or cause of action arose or be forever barred. Any action filed by either Party in any court in violation of this Section should be dismissed pursuant to this Section. You shall have thirty (30) days to opt out of the arbitration and class action waiver provisions contained in this Section. After thirty (30) days, these terms of this Section hereby become final and binding.
Each provision of this Agreement is intended to be severable, and the validity, legality, or enforceability of any provision shall not affect the validity, legality, or enforceability of the remaining provisions of this Agreement. If for whatever reason, any term or condition in this Agreement is determined to be unenforceable, then such provision will be construed to reflect the intentions of the invalid or unenforceable provision, with all other provisions remaining in full force and effect.
No waiver of any breach of any provision of this Agreement shall constitute a waiver of any prior, concurrent, or subsequent breach of the same or any other provisions hereof, and no waiver shall be effective unless made in writing and signed by an authorized representative of the waiving Party.
These Terms were published and last updated as of the date indicated at the top. We have the right to update these Terms and the Privacy Policy from time to time, by posting the updated versions on the Site. By using this Site, you agree to be bound by any such revisions and should therefore periodically visit this Site to determine the then-current Agreement to which you are bound. Your use of the Site after such modifications will constitute your acknowledgment of the modified Agreement and agreement to abide and be bound by the modified Agreement.
To contact Us with any questions or concerns, including regarding the Site, the Services, or this Agreement, you may contact Us via email at [email protected], or by mail at:
Digital Reach, LLC, dba Informed Choice
18585 Coastal Hwy, Unit 10 #1017
Rehoboth Beach, DE 19971-6147
Further, if you have a disability which interferes with your ability to access these Terms, We can make accommodations to present the Terms in an alternative format to assist you. If you would like to receive these Terms in another format that is accessible to your needs (for example: audio, large print, etc.), please contact Us via the information provided above.
© 2026 Digital Reach, LLC, dba Informed Choice. All rights reserved.