Effective Date: August 11, 2026
Last Updated: August 11, 2026
These Terms of Use (the “Terms”) govern your access to and use of the Pet Loans website, along with any related pages, tools, forms, and features (together, the “Site”). Please read these Terms carefully before using the Site.
These Terms form a binding agreement between you and Pet Loans. They explain what the Site does, what it does not do, what you may expect from us, and what we expect from you. If any part of these Terms is unclear to you, contact us before you continue.
Acceptance of Terms
By accessing, browsing, registering with, or submitting any information through the Site, you confirm that you have read, understood, and agreed to be bound by these Terms. If you do not agree with any part of them, you must stop using the Site.
Your use of the Site is also governed by our Privacy Policy, which is incorporated into these Terms by reference and describes how information submitted through the Site is collected, used, and shared. You can review it at Privacy Policy.
You confirm that you have the legal capacity to enter into a binding agreement. If you are using the Site on behalf of a company or another entity, you confirm that you are authorized to accept these Terms for that entity, and “you” refers to both you and that entity.
Services Provided by the Website
Pet Loans is an online technology platform. Our role is limited to operating a website that allows you to submit a request and, where a match is possible, transmits the information you provide to independent third-party companies participating in our network.
To make this role clear, please note the following:
- We are not a provider. We do not offer, issue, service, or manage any products ourselves.
- We do not make approval or decline decisions, and we do not participate in those decisions.
- We do not set, negotiate, or control the terms, rates, fees, or conditions offered by any third party.
- We do not act as an agent, broker, or representative of any third party or of you.
- We do not charge you a fee for browsing the Site or for submitting a request through it.
Submitting a request through the Site does not create any agreement between you and a third party, and it does not guarantee that you will be matched, contacted, or presented with any offer. Availability depends on factors outside our control, and there may be times when no participating third party is able to assist you.
We may receive compensation from third parties in our network in connection with requests submitted through the Site. This compensation may influence which companies appear on the Site and the order in which they appear. It does not change the information you provide, and you pay us nothing.
Any articles, guides, comparisons, calculators, or similar materials on the Site are provided for general informational purposes only. They are not advice, a recommendation, or an offer of any kind.
Eligibility and User Responsibilities
Who May Use the Site
You may use the Site only if you have reached the age of majority where you live, have the legal capacity to enter into contracts, and are acting for lawful, personal, non-commercial purposes. You may not use the Site if your access has been previously suspended or terminated by us.
Your Responsibilities
When you use the Site, you agree to the following:
- Provide information that is accurate, current, and complete, and update it if it changes.
- Submit only your own information, or information you are clearly authorized to submit.
- Keep any account credentials confidential and tell us promptly about unauthorized use.
- Read and evaluate any documents, terms, and disclosures a third party gives you before you agree to them.
- Comply with all laws and regulations that apply to you when you use the Site.
You also agree that you will not:
- Submit false, misleading, or fraudulent information, or impersonate any person or entity.
- Use robots, scrapers, crawlers, or other automated tools to access, copy, or monitor the Site.
- Attempt to gain unauthorized access to the Site, its servers, or any connected systems.
- Interfere with, disrupt, overload, or attempt to disable the Site or its security features.
- Upload or transmit viruses, malicious code, or any material designed to cause harm.
- Reverse engineer, decompile, or disassemble any part of the Site or its underlying software.
- Use the Site to send unsolicited communications or to collect information about other users.
- Use the Site for any purpose that is unlawful, harmful, or prohibited by these Terms.
You are solely responsible for the information you submit and for the decisions you make after using the Site. We may suspend or terminate your access at any time if we reasonably believe you have violated these Terms.
Third-Party Relationships and Disclaimers
Independent Third Parties
Every company you may be connected with through the Site is an independent business. We do not own, operate, control, supervise, or employ them. We do not endorse, guarantee, or assume responsibility for their products, services, practices, communications, or conduct.
Any agreement you enter into is strictly between you and that third party. Their own terms, privacy policies, and disclosures govern that relationship, and you should review those documents carefully. If a dispute arises with a third party, you agree to address it directly with them.
The Site may contain links to external websites that we do not operate. We provide those links for convenience only. We are not responsible for the content, accuracy, availability, or practices of any external website, and visiting one is at your own risk.
Disclaimer of Warranties
The Site and everything on it are provided on an “as is” and “as available” basis. To the fullest extent permitted by applicable law, we disclaim all warranties of any kind, whether express, implied, or statutory, including implied warranties of merchantability, fitness for a particular purpose, title, and non-infringement.
We do not warrant that the Site will be uninterrupted, timely, secure, or error-free, that defects will be corrected, or that the Site is free of harmful components. We also do not warrant that any content is accurate, complete, or current, and content may change without notice.
Nothing on the Site is legal, tax, accounting, or financial advice, and nothing on it should be treated as a substitute for professional guidance. Before making a decision, consider consulting a qualified professional who can review your individual circumstances.
Intellectual Property Rights
The Site and its contents, including text, graphics, logos, icons, images, layouts, design elements, compilations, and software, are owned by Pet Loans or its licensors and are protected by intellectual property laws. The Pet Loans name and logo are our marks and may not be used without our prior written permission.
We grant you a limited, revocable, non-exclusive, non-transferable license to access and view the Site for your own personal, non-commercial use. This license does not transfer ownership of anything, and we reserve all rights not expressly granted.
Unless we give written permission, you may not:
- Copy, reproduce, republish, distribute, sell, license, or publicly display Site content.
- Modify Site content or create derivative works based on it.
- Frame, mirror, or embed any part of the Site on another website or application.
- Remove or alter any copyright, trademark, or other proprietary notice.
- Extract or compile Site content into a database or competing product.
If you submit content to us, such as comments, reviews, or feedback, you grant us a worldwide, royalty-free, perpetual, irrevocable, and sublicensable right to use, reproduce, adapt, publish, and display that content in connection with operating and promoting the Site. You confirm that you own or control the necessary rights to grant this license.
Limitation of Liability
To the maximum extent permitted by applicable law, Pet Loans, its parent and affiliated entities, and their respective officers, directors, employees, agents, licensors, and suppliers will not be liable for any indirect, incidental, special, consequential, exemplary, or punitive damages arising out of or connected with your use of the Site.
This includes, without limitation, damages for lost profits, lost revenue, lost data, lost goodwill, business interruption, or the cost of substitute services, whether based on contract, warranty, negligence, strict liability, or any other legal theory, and whether or not we were advised that such damages were possible.
We are also not liable for the acts, omissions, decisions, communications, errors, or conduct of any third party, for any agreement you enter into with a third party, or for any loss caused by events beyond our reasonable control, including outages, delays, or unauthorized access to systems.
Some laws do not allow certain exclusions or limitations, so parts of this section may not apply to you, and nothing here limits liability that cannot lawfully be limited.
Indemnification
You agree to defend, indemnify, and hold harmless Pet Loans, its parent and affiliated entities, and their respective officers, directors, employees, agents, and licensors from and against any claims, demands, actions, damages, losses, liabilities, costs, and expenses, including reasonable attorneys’ fees, that arise out of or relate to:
- Your access to or use of the Site.
- Any information you submit through the Site, including inaccurate or unauthorized information.
- Your violation of these Terms or of any applicable law.
- Your violation of the rights of any other person or entity.
- Any dispute between you and a third party you were connected with through the Site.
We reserve the right to assume the exclusive defense and control of any matter subject to indemnification by you, at your expense. In that case, you agree to cooperate with our defense and not to settle the matter without our prior written consent. This section survives termination of these Terms.
Modifications to Terms or Services
We may revise these Terms at any time. When we do, we will post the updated version on this page and change the “Last updated” date at the top. Material changes may also be communicated through other reasonable means.
Your continued use of the Site after an updated version is posted means you accept the revised Terms. If you do not accept them, stop using the Site. We recommend reviewing this page periodically so you remain aware of the current version.
We may also change, suspend, limit, or discontinue any part of the Site at any time, with or without notice, including features, content, and availability. We are not liable to you or to anyone else for any modification, suspension, or discontinuation of the Site or any part of it.
Governing Law and Dispute Resolution
These Terms and any dispute arising from them or from your use of the Site are governed by the laws applicable at the principal place of business of the Site operator, without regard to conflict-of-law principles that would apply the laws of another location.
If a dispute arises, we ask that you first contact us so we can try to resolve it informally. Most concerns can be settled quickly this way. You agree to allow a period of at least thirty (30) days after we receive your notice before starting any formal proceeding.
If a dispute cannot be resolved informally, it will be handled through the process and in the forum designated, to the extent permitted by applicable law. Each party agrees to bring claims only on an individual basis and not as part of any class or representative proceeding, where applicable law allows this.
If any provision of these Terms is found unenforceable, that provision will be limited or removed to the minimum extent necessary, and the remaining provisions will stay in full force. Our failure to enforce any provision is not a waiver of our right to enforce it later.
Contact Information
If you have questions about these Terms, need help using the Site, or want to report a problem, please reach out. We are happy to explain how the platform works and what our role is.
Pet Loans
Email: [email protected]