Top Choice Lending - Terms and Conditions
1. Introduction
Welcome to Top Choice Lending. By accessing or using our services, you agree to comply with and be bound by the following terms and conditions. Please read them carefully. If you do not agree to these terms, you should not use our services.
2. Definitions
-
"Company," "we," "us," or "our" refers to Top Choice Lending.
-
"You" or "your" refers to the individual or entity accessing or using our services.
-
"Services" refers to the loan products and related services provided by Top Choice Lending.
3. Eligibility
To use our services, you must be at least 18 years old and a legal resident of the United States. You must have the legal capacity to enter into a binding contract. By applying for a loan or using our services, you represent and warrant that you meet these eligibility requirements.
4. Loan Application
When applying for a loan with Top Choice Lending:
-
You must provide accurate, current, and complete information during the application process.
-
You authorize us to verify your information, including conducting credit checks.
-
Approval of your loan application is at the sole discretion of Top Choice Lending. We reserve the right to reject any application without providing a reason.
5. Loan Terms
The specific terms of your loan, including the loan amount, interest rate, repayment schedule, and any fees, will be disclosed to you in the loan agreement. By accepting the loan, you agree to be bound by the terms outlined in the loan agreement.
6. Interest Rates and Fees
Interest rates and fees vary based on the loan product, your creditworthiness, and other factors. All applicable rates and fees will be disclosed to you before you accept a loan offer. You are responsible for understanding and agreeing to the interest rates and fees associated with your loan.
7. Repayment
You agree to repay the loan in accordance with the terms specified in your loan agreement. This includes making timely payments of principal, interest, and any applicable fees. Failure to make timely payments may result in additional fees, penalties, and legal action.
8. Late Payments and Default
If you fail to make a payment on time, you may be subject to late fees as outlined in your loan agreement. If you default on your loan, we may report your default to credit reporting agencies, take legal action, and pursue other remedies available under applicable law.
9. Privacy Policy
Your privacy is important to us. Please refer to our Privacy Policy or details on how we collect, use, and protect your personal information.
10. Changes to Terms and Conditions
We reserve the right to modify these Terms and Conditions at any time. Any changes will be effective immediately upon posting on our website. Your continued use of our services after any changes indicates your acceptance of the revised terms.
11. Limitation of Liability
Top Choice Lending will not be liable for any indirect, incidental, special, or consequential damages arising out of or in connection with your use of our services. Our total liability to you for any claims arising from the use of our services is limited to the amount you have paid to us in connection with the loan.
12. Governing Law
These Terms and Conditions are governed by and construed in accordance with the laws of the state in which Top Choice Lending is headquartered, without regard to its conflict of law principles. Any legal actions arising out of these terms shall be brought exclusively in the courts of that state.
13. Contact Information
If you have any questions or concerns about these Terms and Conditions, please contact us at:
Top Choice Lending
7676 Hillmont St. Suite 200
Houston TX 77040
832-525-0186