Terms of Use

These Terms of Use are the agreement between you and Makwa Loans that governs your use of this website and its loan-connection service, and by browsing the site or submitting a request you accept them. If you do not agree with any part of these Terms, do not use the Service. Please read them together with our privacy policy, which explains how your information is handled.

Throughout these Terms, "we," "us," "our," and "the Service" refer to the operator of this website, and "you" refers to any person who visits the site or submits a loan request through it.

Acceptance of These Terms

Your use of the Service constitutes acceptance of these Terms of Use: continuing to browse, submitting the request form, or contacting lenders through the platform each confirms your agreement to everything written on this page.

If you use the Service on behalf of another adult with their permission, you confirm you are authorized to accept these Terms for them. We may refuse service to anyone who violates these Terms or attempts to misuse the platform.

What the Service Is — and Is Not

The Service is a loan-connection platform that transmits your request to a network of independent lending partners; it is not a lender, does not make credit decisions, does not set rates or fees, and does not service loans.

Any loan you obtain is a contract between you and the lender alone. The lender determines approval, the APR, fees, payment schedule, and all other terms of your personal loan. We are not a party to that contract, we receive no payments under it, and questions about an active loan must go to the lender named in your agreement.

Eligibility to Use the Site

Use of the Service is limited to persons who are at least eighteen, are U.S. residents, have a valid bank account, and are requesting a personal loan for their own lawful, personal use.

By submitting a request, you represent that the information you provide is accurate, current, and yours. Submitting another person's information without authority, or knowingly false information, is a violation of these Terms and may be unlawful.

Estimates Are Not Offers of Credit

Every rate, payment figure, and cost example on this website is an educational estimate, not an offer, commitment, or guarantee of credit on any particular terms.

Representative figures — such as a typical personal loan APR range of around 6% to 36% — describe the broader market, not your individual pricing, and smaller short-term products can cost more. Only a written offer from a lender states real terms, and that offer controls over anything published here. Nothing on this site promises that any request will be matched, approved, or funded.

Acceptable Use

You agree to use the Service only for its intended purpose — submitting truthful loan requests and reading our content — and never to probe, scrape, overload, reverse-engineer, or interfere with the website or its security features.

Prohibited conduct also includes submitting requests with stolen or fabricated identities, using automated tools to harvest content or data, attempting to access systems or data not intended for you, and reselling or framing the Service without written permission. We may suspend access and pursue remedies for violations.

Intellectual Property

All content on this website — text, guides, tables, graphics, logos, and the makwa loan brand name — belongs to us or our licensors and is protected by intellectual-property law.

You may view and print pages for your personal, non-commercial use. Republishing, copying at scale, or using our brand in a way that suggests endorsement requires our prior written consent. Trademarks of third-party lenders remain the property of those lenders.

Third-Party Lenders and Links

Lending partners reached through the Service are independent businesses with their own terms, privacy practices, and licenses, and we are not responsible for their decisions, disclosures, or conduct.

Once a lender presents an offer, your dealings proceed under that lender's documents. Review every agreement before signing, including the APR, the fee schedule, and what happens if a payment is missed. Our role and compensation are described in our advertiser disclosure, and our matching process never obligates you to accept any offer.

Disclaimers

The Service and all content are provided "as is" and "as available," without warranties of any kind, express or implied, including merchantability, fitness for a particular purpose, accuracy, and non-infringement.

We do not warrant that the site will be uninterrupted, error-free, or secure, that any request will result in a match, or that content reflects the current practices of any specific lender. Content on this site is general information, not financial, legal, or tax advice; consider consulting a qualified professional about your situation before taking on debt.

Limitation of Liability

To the fullest extent permitted by law, our total liability for any claim arising from the Service is limited to one hundred U.S. dollars, and we are never liable for indirect, incidental, special, consequential, or punitive damages.

Excluded damages include lost profits, lost savings, credit-score effects, and losses caused by lenders, your bank, or events beyond our reasonable control. Some states do not allow certain limitations, so parts of this section may not apply to you; in those states our liability is limited to the smallest amount the law allows.

Indemnification

You agree to indemnify and hold us harmless from claims, losses, and reasonable attorneys' fees arising out of your misuse of the Service, your violation of these Terms, or false information you submit.

We will notify you of any such claim and may participate in the defense with counsel of our choosing. Your indemnification obligation survives any termination of your use of the Service.

Governing Law and Disputes

Rhode Island law governs these Terms of Use, without regard to conflict-of-law rules, and any dispute arising under them belongs to the state or federal courts located in the State of Rhode Island.

Before filing any claim, you agree to contact us and allow thirty days for informal resolution — most issues are settled with a conversation. Nothing in this section limits rights you hold under the consumer-protection laws of your own state that cannot be waived by contract.

Changes to These Terms and How to Reach Us

We may revise these Terms of Use at any time by posting the updated version on this page, and your continued use of the Makwa Loans service after a revision means you accept the updated Terms.

If any provision is found unenforceable, the rest remain in effect. Questions about these Terms — or about a personal loan request you submitted — can be sent to Makwa Loans, 8778 Cypress Avenue, Suite 743, Providence, RI 02904, by phone at (888) 773-6642, or by email at [email protected]. Support hours are listed on our contact page.