Terms of Service

These Terms of Service ("Terms") govern your use of creditdawn.com (the "Site") and the services provided by Fast Loan Utah LLC, a Utah limited liability company doing business as CreditDawn ("CreditDawn," "we," "us," or "our"). By accessing or using the Site, you agree to these Terms. If you do not agree, please do not use the Site.

1. About our service

CreditDawn is a personal-loan referral and lead-matching service. We connect consumers with lenders and lending networks who may be able to provide loan offers. CreditDawn is not a lender. We do not make loans, accept loan applications, or guarantee loan approvals. Any loan offer you receive is from an independent third party and is subject to that lender's own terms, underwriting, and approval.

2. Eligibility

To use the Site or submit a request, you must:

• Be at least 18 years old (or the age of majority in your state)
• Be a legal resident of the United States with a valid US address
• Provide truthful, accurate, current, and complete information
• Have the legal authority to enter into a binding agreement

3. Your account and information

When you submit a request through our form, you represent and warrant that all information you provide is your own, is accurate, and is current. You may not submit information on behalf of another person without their express authorization. You are responsible for keeping any account credentials confidential and for all activity under your account.

4. How loan matching works

When you submit a request, we may share your information with one or more lenders, lending networks, or related service providers who may contact you with loan offers, follow-up questions, or marketing about their products.

Loan approval is at each lender's sole discretion. Submission of a request does not guarantee any loan offer or any particular rate, term, or amount. Final rates and terms depend on the lender's underwriting criteria, your creditworthiness, the loan amount, the loan term, your state of residence, and other factors.

APRs in our network generally range from 6.49% to 35.99% for qualified borrowers. Loan amounts generally range from $100 to $50,000. Terms generally range from 4 to 84 months. These ranges are illustrative — your actual offer may fall outside them, and not all offers are available in all states.

5. Authorization and consent

By submitting a request, you expressly authorize CreditDawn and our lending partners to:

• Contact you by email, telephone, text message (SMS), or any other reasonable method using the contact information you provide, including for the purpose of presenting loan offers and related products, even if your number appears on a state or federal Do Not Call list
• Verify the information you provide
• Conduct a soft credit inquiry that does not affect your credit score, for the purpose of matching you with appropriate lenders
• Share your information with selected lending partners as described in our Privacy Policy

If a lender extends an offer and you accept, that lender will typically perform a hard credit inquiry, which may affect your credit score. The terms of any loan you accept are governed by your agreement with that lender, not by these Terms.

6. Marketing communications

If you opt in to marketing communications, you authorize CreditDawn to send you emails about loan products, rate updates, money-saving tips, and other promotional content. You can unsubscribe from marketing emails at any time using the link in any email or by contacting us at creditdawn@protonmail.com. Marketing consent is not required to receive loan offers.

7. Fees

CreditDawn does not charge consumers a fee to use the Site or submit a request. We may be compensated by lenders, lending networks, or other partners when we refer customers to them. This compensation may affect which offers we present or in what order, but it does not change the rates lenders offer you.

8. Acceptable use

You agree not to:

• Use the Site for any unlawful purpose or in violation of these Terms
• Submit false, misleading, or fraudulent information, including using another person's identity
• Use any bot, scraper, or automated means to access the Site (except standard search-engine crawlers)
• Attempt to interfere with, disable, or compromise the security of the Site
• Reverse engineer, decompile, or otherwise attempt to derive the source code of the Site
• Use the Site in any way that could damage, disable, overburden, or impair our servers or networks

We may terminate or suspend your access at any time, with or without notice, if we believe you have violated these Terms.

9. Intellectual property

All content on the Site — including text, graphics, logos, designs, and software — is owned by Fast Loan Utah LLC or our licensors and is protected by US and international copyright, trademark, and other intellectual property laws. You may not copy, modify, distribute, or create derivative works from any part of the Site without our prior written permission, except for personal, non-commercial use.

10. Third-party links and services

The Site may contain links to or interact with third-party websites, services, or content (including lender websites). We do not control those third parties and are not responsible for their content, privacy practices, or terms. Your use of any third-party site or service is at your own risk and is governed by that party's own terms.

11. Disclaimers

THE SITE AND ALL SERVICES ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED. TO THE FULLEST EXTENT PERMITTED BY LAW, CREDITDAWN DISCLAIMS ALL WARRANTIES, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, AND ANY WARRANTIES ARISING FROM COURSE OF DEALING OR TRADE USAGE.

WE DO NOT WARRANT THAT THE SITE WILL BE UNINTERRUPTED, SECURE, OR ERROR-FREE; THAT INFORMATION ON THE SITE IS ACCURATE OR COMPLETE; OR THAT YOU WILL RECEIVE ANY LOAN OFFER OR ANY PARTICULAR RATE, TERM, OR AMOUNT.

12. Limitation of liability

TO THE FULLEST EXTENT PERMITTED BY LAW, CREDITDAWN AND ITS OFFICERS, DIRECTORS, EMPLOYEES, AND AFFILIATES WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR ANY LOSS OF PROFITS, REVENUES, DATA, OR GOODWILL, ARISING OUT OF OR RELATING TO YOUR USE OF THE SITE OR ANY LOAN OBTAINED THROUGH THE SITE, WHETHER IN CONTRACT, TORT, OR ANY OTHER LEGAL THEORY, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

OUR TOTAL LIABILITY TO YOU FOR ALL CLAIMS RELATED TO THE SITE OR THESE TERMS WILL NOT EXCEED ONE HUNDRED US DOLLARS ($100). Some jurisdictions do not allow the exclusion or limitation of certain damages; in those jurisdictions, our liability is limited to the maximum extent permitted by law.

13. Indemnification

You agree to indemnify, defend, and hold harmless CreditDawn, Fast Loan Utah LLC, and our officers, directors, employees, and affiliates from any claims, damages, liabilities, costs, and expenses (including reasonable attorneys' fees) arising from (a) your use of the Site; (b) your violation of these Terms; (c) any information you submit; or (d) your violation of any law or third-party right.

14. Governing law and dispute resolution

These Terms are governed by the laws of the State of Utah, without regard to its conflict-of-laws principles. Any dispute arising out of or relating to these Terms or your use of the Site shall be resolved in the state or federal courts located in Salt Lake County, Utah, and you consent to the jurisdiction of those courts.

15. Changes to these Terms

We may update these Terms from time to time. The "Last updated" date at the top reflects the most recent revision. Material changes may also be communicated by email or a notice on the Site. Your continued use of the Site after changes take effect constitutes your acceptance of the revised Terms.

16. Miscellaneous

If any provision of these Terms is found to be unenforceable, that provision will be enforced to the maximum extent permitted by law, and the remaining provisions will remain in full force and effect. Our failure to enforce any right or provision of these Terms is not a waiver of that right or provision. These Terms, along with our Privacy Policy, constitute the entire agreement between you and CreditDawn regarding your use of the Site.

17. Contact us

Questions about these Terms can be sent to:

Fast Loan Utah LLC
d/b/a CreditDawn
1042 Fort Union Blvd, Unit 1096
Midvale, UT 84047
Email: creditdawn@protonmail.com