Terms of Use

Welcome to Perks Loans, a loan-matching and lead-generation service operated by Union Perks Loans LLC (“Union Perks Loans,” “we,” “us,” or “our”), with principal offices in Colorado at 1957 Galena St, Aurora, CO 80010-2224.

We are not a lender. We do not issue loans, make credit decisions, set APRs, or guarantee approval. Our core business model is to collect your application and profile information, package it as a consumer lead, and sell that lead to third-party lenders and marketing partners who may contact you with offers.

By downloading, accessing, or using the App, you agree to these Terms of Use, our Privacy Policy, and your express authorization for collection and sale of your personal and financial information as described in these Terms.

2a. APR range

Offer terms vary by lender, product type, your credit profile, and state law. Illustrative APR ranges may run from 5.99% to 35.99%. Some short-term or payday-style products can carry higher effective APRs. Final APR and finance terms are disclosed by the lender before you accept any offer.

2b. Repayment terms

Repayment periods commonly range from 70 days to 36 months, depending on product and lender policies. Example only: a $2,000 installment loan at 24% APR over 12 months may result in payments of about $189 per month. Your actual schedule is determined by the lender.

2c. Payment frequency and methods

Depending on lender terms, payments may be weekly, biweekly, semi-monthly, or monthly. Many lenders use ACH debit from your designated bank account. You are responsible for maintaining sufficient funds on due dates. Returned payment fees may apply (for example, $15 to $35 per returned item), subject to lender terms and state law.

2d. Fees

Potential charges may include origination fees (for example, 1% to 8% of principal), late fees (for example, $15 to $30 or 5% of the missed payment, whichever is less, where permitted), and NSF/returned payment fees. Fees are set by lenders and disclosed before acceptance.

2e. Early repayment

Many lenders permit early payoff without penalty, but terms differ by lender. Review your loan agreement for any prepayment conditions.

2f. Cost disclosure

Before you accept a credit offer, the lender will provide required Truth in Lending Act (TILA) disclosures, including APR, finance charge, total of payments, payment schedule, and applicable fees.

To use the App, you represent and warrant that you:

• Are at least 18 years old (or the age of majority in your jurisdiction)
• Are a lawful U.S. resident
• Have legal capacity to enter binding contracts
• Have a valid SSN or ITIN
• Have an active U.S. checking account
• Have a verifiable source of income
• Use the App only for lawful, personal, non-commercial purposes

You must provide accurate and complete information, including:

• Full legal name (first, middle, last)
• Date of birth
• Email address
• Phone number (mobile and/or home)
• Full residential address including street, city, state, and ZIP code
• Social Security Number (SSN)
• Driver's license number and issuing state
• Bank account number (full account number)
• Bank routing number
• Bank name and account type
• Employer name and employer phone number
• Employment status, job title, and income (monthly or annual gross)
• Source of income
• Purpose of the loan or cash advance request

• We match users to potential lenders and partners by selling consumer lead information.
• We do not issue loans, underwrite applications, set rates, or promise approvals.
• All credit agreements are solely between you and the lender or provider you choose.
• You should review each lender's terms, disclosures, and privacy practices before proceeding.

You must keep account details current and accurate. You are responsible for all activity under your account and for safeguarding credentials. If you believe your account has been accessed without authorization, contact us immediately at [email protected].

We may perform identity checks and may suspend or restrict accounts we believe are associated with fraud, abuse, or policy violations.

You consent to receive electronic communications from us and our partners, including email, SMS (including OTP/security messages), in-app notices, and electronic disclosures. You agree that electronic signatures and records satisfy legal writing and signature requirements under the federal E-SIGN Act and applicable state law.

Because this App is a lead-sale and matching platform, your authorization to be contacted by partner buyers via phone and SMS regarding financial products is a material condition of service. To withdraw e-consent, contact [email protected]. Withdrawal may limit or end App functionality.

The App is free for consumers to install and use. We do not charge you a platform fee to submit your information.

Union Perks Loans LLC generates revenue by selling consumer lead data to third parties, including via per-lead fees, CPL (cost per lead), CPA (cost per acquisition), revenue share, referral compensation, and similar commercial arrangements. These arrangements may influence which partners receive data, in what order they receive it, and how offers are presented in the App.

This compensation model is disclosed for transparency and to align with FTC lead-generation guidance and CCPA/CPRA definitions of sale.

You may not:

• Use the App for unlawful, deceptive, or fraudulent purposes
• Submit false, fabricated, or misleading personal or financial information
• Interfere with or attempt to bypass App security controls
• Use bots, scrapers, or other automated tools without written permission
• Upload malware, malicious scripts, or harmful code
• Reverse-engineer, decompile, or disassemble the App except as expressly permitted by law
• Copy, republish, or distribute App content without authorization
• Impersonate any person or entity

Third-party lenders, lead buyers, data brokers, and marketing partners operate under their own contracts and privacy policies. We are not responsible for third-party offers, rates, approvals, collection practices, fees, post-sale use of your information, or compliance failures by buyers. Review each third party's terms before engaging.

All App content, software, design, trademarks, and related technology are owned by Union Perks Loans LLC or its licensors and are protected by applicable intellectual property laws.

We grant you a limited, revocable, non-exclusive, non-transferable license to use the App for personal, non-commercial purposes in compliance with these Terms.

If you submit ideas, suggestions, or feedback, you grant us a worldwide, royalty-free, irrevocable, perpetual, sublicensable license to use, reproduce, modify, and incorporate that feedback without compensation or attribution obligations.

THE APP AND ALL RELATED SERVICES ARE PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS.

TO THE MAXIMUM EXTENT PERMITTED BY LAW, UNION PERKS LOANS LLC DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT.

UNION PERKS LOANS LLC IS NOT A LENDER, DOES NOT MAKE CREDIT DECISIONS, AND DOES NOT GUARANTEE THAT YOU WILL RECEIVE ANY OFFER, APPROVAL, OR SPECIFIC TERMS.

WE MAKE NO REPRESENTATION OR WARRANTY REGARDING THE ACCURACY, LEGALITY, OR SUITABILITY OF OFFERS, PRODUCTS, OR COMMUNICATIONS PRESENTED BY THIRD-PARTY BUYERS OR LENDERS.

TO THE MAXIMUM EXTENT PERMITTED BY LAW, UNION PERKS LOANS LLC AND ITS OFFICERS, DIRECTORS, EMPLOYEES, AFFILIATES, AND AGENTS WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR FOR LOSS OF PROFITS, REVENUE, DATA, OR GOODWILL, ARISING OUT OF OR RELATING TO YOUR USE OF THE APP, THE SALE OR TRANSFER OF DATA, OR ANY ACTS OR OMISSIONS OF THIRD-PARTY BUYERS OR LENDERS, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

TO THE MAXIMUM EXTENT PERMITTED BY LAW, OUR TOTAL AGGREGATE LIABILITY FOR ALL CLAIMS ARISING OUT OF OR RELATING TO THESE TERMS OR THE APP WILL NOT EXCEED USD $100. SOME STATES DO NOT ALLOW CERTAIN LIMITATIONS, SO PARTS OF THIS SECTION MAY NOT APPLY TO YOU.

You agree to defend, indemnify, and hold harmless Union Perks Loans LLC and its affiliates, officers, directors, employees, and agents from and against claims, liabilities, damages, losses, and expenses (including reasonable attorneys' fees) arising from or related to: (a) your misuse of the App; (b) your violation of these Terms or applicable law; (c) inaccurate, false, or fabricated data submitted by you; or (d) your infringement or violation of third-party rights.

16a. Governing law

These Terms are governed by the laws of the State of Colorado and applicable federal law, without regard to conflict-of-laws principles.

16b. Binding individual arbitration

Except as provided below, disputes arising out of or relating to these Terms or the App will be resolved by binding individual arbitration under the Federal Arbitration Act (FAA). Class, collective, and representative actions are waived. Claims may be brought only on an individual basis, and the arbitrator may not consolidate multiple parties' claims.

16c. Informal resolution first

Before filing arbitration, you must send a written dispute notice and allow 30 days for informal resolution. Notices should be sent to [email protected].

16d. Limited court exceptions

Either party may seek injunctive or equitable relief in state or federal courts located in Colorado for claims involving intellectual property misuse or infringement.

We may modify, suspend, limit, or discontinue any feature of the App at any time, with or without notice, to the extent permitted by law.

We may suspend or terminate your access if we believe you violated these Terms, submitted fraudulent information, or used the App in a harmful or unlawful manner.

Sections intended to survive termination—including intellectual property, disclaimers, limitation of liability, indemnification, and dispute resolution—remain in effect after termination.

We may revise these Terms from time to time. The Effective Date will be updated when revisions are posted. For material changes, we will provide notice through the App and/or by email. Your continued use after the updated Effective Date means you accept the revised Terms.

• This agreement is between you and Union Perks Loans LLC only, and not with Apple Inc. (“Apple”). Apple is not a party to these Terms.
• Apple has no obligation to provide maintenance or support services for the App.
• Apple is not responsible for product liability claims, legal/regulatory compliance claims, or consumer protection claims relating to the App.
• In the event of a third-party claim that the App infringes intellectual property rights, Union Perks Loans LLC (not Apple) is solely responsible for investigation, defense, settlement, and discharge of such claim.
• Apple and its subsidiaries are third-party beneficiaries of these Terms and, upon your acceptance, have the right to enforce these Terms against you as a third-party beneficiary.
• Your use of the App must comply with the App Store Terms of Service and Apple Media Services Usage Rules.

Union Perks Loans LLC
1957 Galena St
Aurora, CO 80010-2224
Email: [email protected]
Phone: Not listed
Website: unionperksloans.com
Privacy Policy: privacy.html