Terms of Service
Last Updated: 3.26.26
Welcome to 212 Loans, LLC, and it's affiliates (“212 Loans,” “we,” “our,” or “us”).
These Terms of Service (“Terms”) govern your access to and use of our website and services (the “Services”), including contact forms, loan inquiries, applications, and any related tools or communications.
By accessing or using our website, you agree to these Terms. If you do not agree, you should not use our Services.
1.Eligibility
You must be at least 18 years old and legally able to enter into a binding agreement to use our Services. By submitting information, you represent that all information provided is accurate and complete.
2.No Guarantee of Loan Approval
Submitting information through our website does not guarantee loan approval. All credit decisions are subject to our internal underwriting criteria and/or those of our lending partners.
3.Use of the Website
You agree not to:
●Use the website for unlawful or fraudulent purposes
●Attempt to gain unauthorized access to systems or data
●Upload malicious code or harmful content
●Interfere with the functionality or security of the website
We reserve the right to suspend or terminate access if these Terms are violated.
4.Intellectual Property
All content on this website, including text, graphics, logos, and tools, is owned by or licensed to 212 Loans and is protected by applicable laws. You may not reproduce or distribute content without written permission.
5.Third-Party Services
Our website may include links to third-party services. We are not responsible for the content, policies, or practices of those third parties.
6.User Submissions
By submitting information through our website (including contact forms or loan inquiries), you:
●Represent that the information is accurate and lawful
●Grant us the right to use that information to provide services, respond to inquiries, evaluate applications, and comply with legal obligations
7.Disclaimers
Our website and services are provided “as is” without warranties of any kind. We do not guarantee:
●Accuracy of information or tools
●Continuous or error-free access
●That the website will be free of viruses or defects
8.Limitation of Liability
To the fullest extent permitted by law, 212 Loans is not liable for any indirect, incidental, or consequential damages arising from your use of the Services.
9.Indemnification
You agree to indemnify and hold 212 Loans harmless from any claims resulting from your use of the Services or violation of these Terms.
10.Privacy
Your use of the Services is also governed by our Privacy Policy, which explains how we collect and use your information.
11.Changes to These Terms
We may update these Terms at any time. Continued use of the website constitutes acceptance of any updates.
12.Governing Law
These Terms are governed by the laws of the State of Texas.
13.Contact Information
For questions regarding these Terms:
212 Loans Phone: 281-482-5200
mail: loans@loans212.com
14. SMS Messaging Program Terms
Program Name: 212 Loans SMS Program
Program Description
By opting in to receive SMS messages from 212 Loans, you may receive messages related to your inquiry, loan application, loan status, account notifications, payment reminders, and customer support.
SMS messages may be sent using an automated system.
Opt-In
You may opt in to receive SMS messages by:
● Submitting a website form and checking the SMS consent box
● Providing consent through other written or electronic means
Consent is not a condition of obtaining a loan.
Message Frequency
Message frequency varies depending on your interaction with our services.
Message and Data Rates
Message and data rates may apply. Check with your mobile carrier for details.
Opt-Out Instructions
You may opt out at any time by replying: STOP
After opting out, you will receive a confirmation message and will no longer receive SMS communications.
Help Instructions
For assistance, reply: HELP Or contact us at: [Insert Email]
Carrier Disclaimer
Carriers are not liable for delayed or undelivered messages.