Terms of Use

1. Agreement & Acceptance of Terms

These Terms of Use (the "Terms" or "Agreement") constitute a legally binding agreement between you ("User," "you," or "your") and Big Picture Loans ("Company," "we," "us," or "our") governing your access to and use of bigpicturenloans.com, including all subdomains, mobile applications, interactive widgets, financial calculators, and matching services (collectively, the "Platform").

By accessing, browsing, interacting with, or submitting data through our Platform, you explicitly acknowledge that you have read, understood, and agreed to be bound by all provisions of these Terms and our Privacy Policy. If you do not agree to these Terms in their entirety, you are strictly prohibited from utilizing the Platform.

2. Nature of Services: Non-Lender Referral & Educational Platform

You expressly understand and acknowledge the fundamental operational scope of Big Picture Loans:

• Not a Lender: We do not issue loans, extend credit, fund financing agreements, or issue credit lines under any circumstances.
• No Underwriting or Credit Authority: We do not make credit decisions, evaluate consumer creditworthiness, establish interest rates, set fees, or determine loan approval criteria.
• No Brokerage Fiduciary Duty: We do not act as your financial adviser, fiduciary, broker, or agent. We receive referral compensation from participating network partners and lenders.
• No Guarantee of Terms: Completion of an inquiry form does not guarantee that you will receive a loan offer or qualify for a specific amount, APR, or repayment term.

3. Eligibility & User Age Requirements (18+)

To access this Platform, submit inquiries, or utilize any interactive tools, you must satisfy the following criteria:

1. You must be a legal resident of the United States residing in an eligible state or territory.
2. You must be at least eighteen (18) years of age (or the legal age of majority in your jurisdiction).
3. You must possess the legal capacity, power, and authority to enter into binding legal agreements.
4. You must possess a valid, verifiable email address, working telephone number, and bank account with an eligible financial institution.

Any access or attempted inquiry by minors under 18 is strictly unauthorized and a direct breach of these Terms.

4. Loan Inquiries & Connecting with Independent Lenders

When you submit a loan inquiry through our Platform:

• Authorization to Transmit: You authorize us to transmit your submitted information to one or more participating independent direct lenders, lending networks, and service partners in our network.
• Credit Inquiries: Participating lenders may perform credit checks, identity verification, and fraud screening using major credit bureaus (Equifax, Experian, TransUnion) or alternative reporting agencies (such as Teletrack or LexisNexis) to assess your request.
• Direct Relationship with Lender: If a lender elects to present a loan offer, you will be redirected to that lender's secure website. Any subsequent loan contract, promissory note, fee schedule, and repayment obligation is solely between you and that specific lending institution.

5. Truth in Lending Act (TILA) & APR Disclosures

Federal law, including the Truth in Lending Act (15 U.S.C. § 1601 et seq.) and Regulation Z (12 C.F.R. Part 1026), requires lenders to provide comprehensive written disclosures detailing:

You must carefully examine your lender’s formal TILA disclosures before executing any loan agreement or accepting loan funds.

6. User Representations & Accuracy of Submitted Information

By utilizing this Platform, you represent and warrant that:

• All information provided in your inquiry (including income, employment status, identity, and contact details) is truthful, complete, and accurate.
• You are not impersonating any other person or using false, stolen, or fabricated credentials.
• You will promptly update your contact details if they change during an active loan inquiry.
• Submitting fraudulent, deceptive, or misleading financial information may constitute a violation of state and federal law.

7. Interactive Calculator & Educational Disclaimers

All interactive calculators, amortization tables, payment estimates, and informational guides published on this Platform are designed strictly for educational and illustrative purposes:

• Calculations are mathematical models based upon user-selected inputs and hypothetical APR values.
• They do not represent an official loan offer, pre-approval, commitment to lend, or legal quote from any financial institution.
• Actual loan terms, monthly payments, interest rates, and total finance charges are determined exclusively by the lender based upon your verified credit profile and state regulations.

8. Intellectual Property & Proprietary Rights

All content, software architecture, graphical interfaces, illustrations, logos, icons, trademarks, text copy, audio-visual elements, and computational algorithms contained on this Platform are the exclusive property of Big Picture Loans or its licensors, protected under United States and international copyright, trademark, and intellectual property statutes.

You are granted a limited, revocable, non-exclusive, non-transferable license to access and view content for personal, non-commercial use only. You may not copy, reproduce, scrape, modify, reverse engineer, distribute, or create derivative works without prior written authorization.

9. Prohibited Platform Activities

When accessing our Platform, you agree that you shall NOT:

• Deploy automated scripts, bots, spiders, scrapers, or data mining software to extract data from our pages.
• Interfere with, disrupt, or place an unreasonable load on our server infrastructure, firewalls, or networks.
• Attempt to bypass authentication mechanisms or probe system vulnerabilities.
• Submit unauthorized commercial advertisements, spam, malicious code, trojan horses, or computer viruses.
• Use the Platform for any unlawful, predatory, extortionary, or fraudulent purpose.

10. Electronic Communications & TCPA Consent

By submitting your contact details (telephone number and email address) on this Platform, you provide express written consent under the Telephone Consumer Protection Act (47 U.S.C. § 227) ("TCPA") and the E-SIGN Act to receive:

• Electronic disclosures, transaction notices, and account updates via email.
• Calls, text messages (SMS), and pre-recorded notifications from Big Picture Loans and its participating lending partners regarding your loan inquiry, which may be delivered via automated telephone dialing systems.

Consent is not a required condition of purchase or receiving credit. You may revoke consent or opt out at any time by replying "STOP" to SMS messages or contacting our support team.

11. Third-Party Websites & External Content

Our Platform contains hyperlinks and automated redirects to third-party web domains operated by independent lenders, financial tools, and consumer advocacy bodies. We do not exercise editorial or operational control over third-party platforms and accept no responsibility for their content, underwriting decisions, loan terms, data security practices, or customer support.

12. Disclaimer of Warranties ("As-Is" Provision)

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW:

THIS PLATFORM, ITS INFORMATIONAL CONTENT, CALCULATORS, SERVICES, AND MATCHING TOOLS ARE PROVIDED STRICTLY ON AN "AS IS" AND "AS AVAILABLE" BASIS, WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS, IMPLIED, STATUTORY, OR OTHERWISE. BIG PICTURE LOANS EXPRESSLY DISCLAIMS ALL WARRANTIES, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, NON-INFRINGEMENT, ACCURACY, AND FREEDOM FROM COMPUTER VIRUSES OR SYSTEM DOWNTIME.

13. Limitation of Liability

TO THE FULLEST EXTENT PERMITTED UNDER APPLICABLE LAW:

IN NO EVENT SHALL BIG PICTURE LOANS, ITS PARENT ENTITIES, SUBSIDIARIES, AFFILIATES, OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, OR LICENSORS BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES (INCLUDING LOSS OF PROFITS, LOSS OF REVENUE, LOSS OF GOODWILL, BUSINESS INTERRUPTION, OR CREDIT SCORE IMPACT) ARISING OUT OF OR IN CONNECTION WITH YOUR USE OF, OR INABILITY TO USE, THE PLATFORM, DELAYS IN MATCHING, ERRORS IN CALCULATIONS, OR ANY ACTS, OMISSions, LOAN TERMS, OR REJECTIONS BY THIRD-PARTY LENDERS, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

IN JURISDICTIONS WHERE LIMITATIONS OF LIABILITY ARE RESTRICTED, OUR AGGREGATE LIABILITY SHALL NOT EXCEED ONE HUNDRED U.S. DOLLARS ($100.00 USD).

14. Indemnification Obligations

You agree to defend, indemnify, and hold harmless Big Picture Loans, its corporate parents, affiliates, officers, directors, contractors, agents, and employees from and against all third-party claims, liabilities, losses, damages, judgments, penalties, costs, and expenses (including reasonable attorneys' fees) arising out of or related to:

• Your violation or alleged breach of any provision of these Terms of Use.
• Your submission of false, inaccurate, fraudulent, or deceptive personal or financial information.
• Your violation of any applicable federal, state, or municipal law, statute, or regulation.
• Your dispute or transaction with any third-party lender connected through our Platform.

15. Dispute Resolution, Mandatory Arbitration & Class Action Waiver

PLEASE READ THIS SECTION CAREFULLY. IT DIRECTLY AFFECTS YOUR LEGAL RIGHTS AND PROCEDURES FOR RESOLVING DISPUTES:

• Mandatory Binding Arbitration: Any controversy, claim, or dispute arising out of or relating to these Terms, the Platform, or our connection services shall be resolved through individual, final, and binding arbitration administered by the American Arbitration Association (AAA) under its Consumer Arbitration Rules.
• Class Action Waiver: YOU AND BIG PICTURE LOANS AGREE THAT ALL DISPUTES SHALL BE ARBITRATED EXCLUSIVELY ON AN INDIVIDUAL BASIS. NEITHER PARTY SHALL BE ENTITLED TO JOIN, CONSOLIDATE, OR ACT AS A CLASS REPRESENTATIVE OR CLASS MEMBER IN ANY CLASS, COLLECTIVE, OR REPRESENTATIVE PROCEEDING.
• Waiver of Jury Trial: Both parties voluntarily waive any constitutional right to a jury trial in a court of general jurisdiction.

16. Governing Law, Venue & Severability

These Terms of Use and any legal proceedings arising hereunder shall be governed by, construed, and enforced in accordance with the laws of the United States and the State of Delaware, without giving effect to any principles of conflicts of law.

If any provision or clause of these Terms is determined by a court of competent jurisdiction to be unlawful, void, or unenforceable, that specific provision shall be deemed severable and shall not affect the validity, legality, or enforceability of any remaining provisions.

17. Modifications & Amendments to Terms

We reserve the right, at our sole discretion, to modify, amend, replace, or update these Terms of Use at any time. When revisions occur, the updated Terms will be posted to this URL with an updated "Last Revised" date.

Your continued access to or use of the Platform following the publication of revised Terms signifies your binding acceptance of such modifications. We encourage you to review this page periodically.

18. Contact & Legal Notices

For legal inquiries, formal notices, or questions regarding these Terms of Use, please contact our Legal and Compliance Office: