Terms of Service

Agreement to Terms

By accessing or using the White Pine Lending website (whitewoodlending.com) and services, you agree to be bound by these Terms of Service. If you do not agree to these terms, please do not use our services.

Description of Services

White Pine Lending is a loan matching service that connects borrowers with potential lenders. We are not a lender and do not make credit decisions. Our role is to facilitate the connection between you and lending partners who may offer you a loan.

Key points to understand:

• We do not guarantee that you will receive a loan offer
• We do not guarantee any specific loan terms, rates, or amounts
• Final loan decisions are made by individual lenders
• Loan terms and conditions are set by the lender, not by us

Eligibility

To use our services, you must:

• Be at least 18 years of age
• Be a U.S. citizen or permanent resident
• Have a valid Social Security number
• Have a regular source of income
• Have an active checking account
• Provide accurate and truthful information

User Responsibilities

When using our services, you agree to:

• Provide accurate, current, and complete information
• Not use the service for any fraudulent or illegal purpose
• Not attempt to circumvent any security features
• Not use automated systems to access our service
• Not interfere with the proper functioning of our website

Loan Applications

When you submit a loan application through our Site:

• Your information will be shared with lenders in our network
• You may receive communications from lenders regarding loan offers
• You are not obligated to accept any loan offer
• Review all loan terms carefully before accepting any offer

No Guarantee of Loan

Submitting an application through White Pine Lending does not guarantee approval for a loan. Lenders make their own credit decisions based on their own criteria. Loan amounts, terms, and annual percentage rates (APR) will vary based on the lender's assessment of your creditworthiness.

APR Disclosure

The APR for loans obtained through our lending partners typically ranges from 5.99% to 35.99%. The APR you receive will depend on various factors, including your credit score, income, and the loan term. Please review your loan agreement for the specific APR that applies to your loan.

Intellectual Property

All content on the White Pine Lending website, including text, graphics, logos, and software, is our property or the property of our licensors and is protected by copyright and trademark laws. You may not reproduce, distribute, or create derivative works without our permission.

Disclaimer of Warranties

Our services are provided "as is" and "as available" without warranties of any kind, either express or implied. We do not warrant that our services will be uninterrupted, error-free, or secure.

Limitation of Liability

To the maximum extent permitted by law, White Pine Lending shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of our services or any loan obtained through our lending partners.

Indemnification

You agree to indemnify and hold harmless White Pine Lending and its officers, directors, employees, and agents from any claims, damages, or expenses arising from your use of our services or violation of these terms.

Third-Party Links

Our website may contain links to third-party websites. We are not responsible for the content or practices of these external sites. Your use of third-party websites is at your own risk.

Governing Law

These Terms of Service shall be governed by and construed in accordance with the laws of the United States, without regard to conflict of law principles.

Changes to Terms

We reserve the right to modify these Terms of Service at any time. Changes will be effective immediately upon posting to our website. Your continued use of our services after any changes constitutes acceptance of the new terms.

Contact Information

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