Terms of service

By using this website (the "site") or submitting a request through it, you agree to these Terms of Service. If you do not agree, please do not use the site. We wrote these in plain language on purpose. You should be able to understand what you are agreeing to.

What This Service Is

Better Money Options is not a lender or a broker and does not make credit decisions or fund loans. We connect your request with lenders and lending partners in our network.

When you submit a request, we use the information you provide to try to connect you with one or more lenders or lending partners in our network. We are a matching service, nothing more. We do not lend money, we do not set rates, and we are not your financial, legal, or tax advisor. See the full not-a-lender disclosure.

No Guarantee

Submitting a request does not guarantee approval, or a specific rate, term, or amount. Approval, APR, fees, and funding are determined solely by the lender.

Whether you are approved, and on what terms, is up to the lender. We cannot promise that any lender will make you an offer, and submitting a request creates no obligation on either side until you and a lender agree to a specific loan.

Who Can Use the Service

To use this service you must be a U.S. resident and at least 18 years old, and you must meet the requirements of the lenders in our network. Service availability and loan products vary by state.

By using the site, you confirm that you meet these requirements and that the information you give us is true and accurate as far as you know. Giving false information can cause a lender to decline your request, and it may be unlawful.

Your Responsibilities

When you use this site, you agree to:

• Provide accurate, current, and complete information in any form you submit.
• Use the site only for your own personal, lawful purposes, not on behalf of someone else without their permission.
• Read any lender's full terms, including the costs, fees, and repayment schedule, before you accept a loan.
• Not attempt to disrupt, scrape, reverse-engineer, or gain unauthorized access to the site or its systems.
• Not submit content that is unlawful, fraudulent, abusive, or that infringes anyone's rights.

How We Are Compensated

Better Money Options may receive compensation from lenders or lending partners when a request is matched or funded. This compensation may affect which lenders appear in our network and how requests are routed.

This is how the service stays free for you. It does not obligate you to accept any offer. The advertising and referral disclosure has the full detail, including the note about tribal lenders.

Communications and Consent

By submitting your request, you agree to be contacted by Better Money Options and its lending partners by phone, text message, and email, including through automated or prerecorded technology, at the number and address you provide, even if it is on a do-not-call list. Consent is not a condition of any purchase. You can opt out at any time by following the instructions in any message you receive.

You can review how we handle your information, and your choices, in our Privacy Policy.

Do Not Sell My Personal Information

Depending on where you live, you may have the right to access, correct, or delete the personal information we hold, and to direct us not to "sell" or "share" it as those terms are defined by your state's law. Because passing your request to lenders may count as a "sale" under some state laws, you can tell us to stop by sending a message through the contact form with the subject line "Do Not Sell My Personal Information". We will confirm within a reasonable time and will not discriminate against you for exercising a privacy right. Our Privacy Policy explains what we collect and your other opt-out choices.

Intellectual Property

The site's content, including its text, graphics, logos, and design, is owned by Better Money Options or its licensors and is protected by copyright and other laws. You may view the site for personal, non-commercial use. You may not copy, republish, or sell our content for commercial purposes without our written permission. Third-party names and logos shown on the site belong to their respective owners.

Third-Party Sites and Lenders

The site links to outside resources and connects you with third-party lenders. We do not control those sites or lenders, and we are not responsible for their content, products, privacy practices, or the terms of any loan they offer you. Any loan agreement is strictly between you and the lender.

Content Is Not Advice

The content on this site is for general educational purposes only and is not financial, legal, or tax advice.

Limitation of Liability

The site and the matching service are provided "as is" and "as available," without warranties of any kind, express or implied. To the fullest extent allowed by law, Better Money Options is not liable for any indirect, incidental, or consequential damages arising from your use of the site, your reliance on its content, or any loan you obtain through a lender in our network. Because we are not a party to your loan, we are not responsible for a lender's decisions, terms, fees, or conduct. Some states do not allow certain limits on liability, so parts of this section may not apply to you.

Changes to the Service or These Terms

We may update, change, or discontinue any part of the site at any time, and we may revise these terms. When we do, the updated terms take effect when posted here. Your continued use of the site after a change means you accept the revised terms.

Governing Law

These terms are governed by the laws of the United States and the state in which Better Money Options operates, without regard to conflict-of-law rules. Any dispute relating to the site or these terms will be handled in the courts located there, unless applicable law requires otherwise.

Contact Us

If you have a question about these terms, use our contact form.

Bettermoneyoptions.com is a privately operated service and is not affiliated with, endorsed by, or sponsored by any federal, state, or local government agency.