Terms and Conditions

Last Updated: 3/20/2025

Welcome to Sea Of Loans! By using our website, services, or submitting a loan application, you agree to the following Terms and Conditions. Please read this document carefully before proceeding.

1. Acceptance of Terms

By using our website, you acknowledge that you have read, understood, and agree to these Terms and Conditions. If you do not agree, please do not use our services.

2. ESIGN Consent and Communication

By clicking “Next” below, I am providing my ESIGN signature and express written consent to permit Sea Of Loans, and parties calling on their behalf, to contact me at the number provided above for information on obtaining a loan. I understand that these calls and/or SMS/MMS messages may include the use of automated technology, AI-generated voice, and prerecorded or artificial voice messages.

I confirm that the phone number provided is accurate, and I am the regular user of that phone. I also agree to the following:

  • SMS Terms and Conditions: I consent to receive SMS/MMS messages from Sea Of Loans and its partners. For SMS campaigns, text “STOP” to stop receiving messages and “HELP” for assistance. Message and data rates may apply.

  • Privacy Policy: I acknowledge that my personal information will be handled in accordance with Sea Of Loans’ Privacy Policy.

3. Arbitration Agreement

You agree to resolve any disputes or claims arising out of or relating to this agreement through binding individual arbitration rather than in court. This includes any claims related to the use of automated technology, SMS/MMS messages, or any other communication methods.

4. Loan Application Process

  • Accuracy of Information: You agree to provide accurate and complete information during the loan application process.

  • Third-Party Lenders: Sea Of Loans connects you with third-party lenders. We are not responsible for the terms, conditions, or actions of these lenders.

  • No Guarantee of Approval: Submitting an application does not guarantee loan approval.

5. User Responsibilities

  • You must be at least 18 years old to use our services.

  • You agree not to use our website or services for any illegal or unauthorized purpose.

  • You are responsible for maintaining the confidentiality of your account information.

6. Intellectual Property

All content on the Sea Of Loans website, including text, graphics, logos, and images, is the property of Sea Of Loans and is protected by intellectual property laws. Unauthorized use is prohibited.

7. Limitation of Liability

Sea Of Loans is not liable for any damages arising from your use of our website or services, including but not limited to:

  • Errors or interruptions in service.

  • Decisions made by third-party lenders.

  • Loss of data or unauthorized access to your information.

8. Changes to Terms and Conditions

We may update these Terms and Conditions from time to time. Any changes will be posted on this page with an updated “Last Updated” date. Your continued use of our services constitutes acceptance of the updated terms.

9. Governing Law

These Terms and Conditions are governed by the laws of [Insert State/Country]. Any disputes will be resolved through binding arbitration as outlined above.

10. Contact Us

If you have any questions or concerns about these Terms and Conditions, please contact us at:

Sea Of Loans
Email: [email protected]

Additional Disclosures

  • Msg & Data Rates: Standard message and data rates may apply for SMS/MMS messages.

  • Opt-Out: You may opt out of receiving messages at any time by texting “STOP” to the provided number.

  • Help: For assistance, text “HELP” to the provided number.

  • Consent Not Required: I acknowledge that my consent is not required to obtain any good or service.