These Terms of Service ("Terms") govern your access to and use of the website at postlakelendingusa.com and the loan matching services provided by Post Lake Lending ("we," "us," "our"). By accessing our Site or submitting a loan inquiry, you agree to these Terms. If you do not agree, do not use our services.
1. Nature of Service
Post Lake Lending is a loan matching and referral service, not a lender. We do not make lending decisions, originate loans, disburse funds, or set loan terms. Our service connects users with third-party licensed lenders who may extend loan offers at their discretion. Any loan agreement is exclusively between you and the individual lender. Post Lake Lending is not a party to any loan contract.
2. Eligibility
To use our service you must be at least 18 years of age (or the age of majority in your state), a legal resident of the United States, and capable of entering into a legally binding contract. By submitting an application you represent and warrant that you meet these eligibility requirements.
3. Application and Information Accuracy
You agree to provide complete, accurate, and truthful information in your loan inquiry. Providing false or misleading information — including misrepresenting income, employment status, or identity — is a violation of these Terms and may constitute fraud under applicable state and federal law. We reserve the right to terminate your access to our service for violations of this section.
4. No Guarantee of Approval or Offer
Submitting a loan inquiry through Post Lake Lending does not guarantee that any lender will extend an offer. Loan availability, amounts, and terms depend on individual lender underwriting criteria, applicable state laws, and your specific financial profile. We make no representations about the likelihood of receiving an offer.
5. Third-Party Lenders
Lenders in our network are independent companies. We do not control their underwriting decisions, interest rates, fees, or terms. We are not responsible for their actions, omissions, or the terms of any loan they extend. You should review any lender's disclosures, agreements, and applicable terms carefully before accepting a loan offer.
6. Our Compensation
Post Lake Lending receives compensation from lenders when a referral results in a funded loan. This compensation may influence which lenders are included in our network. We do not charge borrowers any fees for using our matching service.
7. Intellectual Property
All content on this Site — including text, design, graphics, code, and trademarks — is the property of Post Lake Lending or its licensors and is protected by applicable intellectual property laws. You may not reproduce, modify, or distribute Site content without express written permission.
8. Disclaimer of Warranties
Our Site and services are provided "as is" without warranties of any kind, express or implied. We do not warrant that our service will be uninterrupted, error-free, or that the information presented is complete and accurate at all times.
9. Limitation of Liability
To the fullest extent permitted by law, Post Lake Lending shall not be liable for any indirect, incidental, special, or consequential damages arising from your use of our service or any loan obtained through a referral from our platform. Our total liability to you for any claim shall not exceed $100.
10. Governing Law
These Terms are governed by the laws of the State of Wisconsin without regard to conflict of law principles. Any dispute arising from these Terms or your use of our service shall be resolved in the courts of Marathon County, Wisconsin.
11. Changes to Terms
We may update these Terms at any time. Updated Terms will be posted to this page with a revised date. Continued use of our service after changes constitutes acceptance of the revised Terms.
12. Contact
For questions about these Terms:
Post Lake Lending
8229 Clearwater Blvd, Merrill, WI 54452
Email: [email protected]
Phone: 888-187-7346