Terms of Use

1. Introduction, Binding Acceptance & Scope of Agreement

Welcome to Three Sticks Lending (accessible at https://threestickslending.net/). These Terms of Use (the "Terms" or "Agreement") constitute a legally enforceable contractual agreement between you ("User," "Applicant," "Consumer," or "you") and Three Sticks Lending ("Company," "we," "us," or "our").

By accessing, browsing, interacting with any payment calculator or informational tool, or submitting an inquiry via our website, you expressly acknowledge that you have read, understood, and agreed to be bound without limitation or qualification by these Terms of Use and our Privacy Policy, which is incorporated herein by reference.

If you do not agree with, or cannot abide by, all stipulations contained in this Agreement, you must refrain from using this website, submitting inquiry forms, or utilizing any of our calculation tools immediately.

2. Non-Lender Classification & Referral Marketplace Role

Three Sticks Lending operates strictly as an independent consumer financial resource, educational platform, and consumer referral marketing network.

When you submit a loan inquiry through our website, our service routes your preliminary criteria to our network of independent, licensed, third-party installment lenders and lending intermediaries. The decision to present a loan offer, the criteria for qualification, the interest rates applied, and all contractual terms are determined exclusively and independently by participating lending partners.

Submitting an inquiry does not guarantee that you will be matched with a lender, receive a loan offer, or be approved for credit. If matched, any contractual loan agreement you execute is strictly between you and the independent lender, not Three Sticks Lending.

3. Permitted User Requirements & Eligibility Criteria

Access to the Three Sticks Lending platform and its loan inquiry matching features is strictly conditioned upon satisfaction of the following foundational criteria. You represent and warrant that:

• You are at least 18 years of age (or 19 years of age in Alabama and Nebraska; 21 years of age in Mississippi);
• You are a lawful permanent resident or citizen of the United States residing in an eligible state;
• You possess the legal capacity, authority, and competency to enter into a binding, enforceable legal contract;
• You are accessing the platform for personal, family, or household financial exploration, and not on behalf of an unauthorized third-party broker, competitor, or commercial enterprise;
• You possess a valid Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN), an active deposit account with a federally insured financial institution, and a verifiable regular income source.

The services offered through this platform are void where prohibited by state or federal law.

4. Accuracy of Submitted Data & E-SIGN Act Consent

User Truthfulness Representation: You represent, certify, and warrant that all personal, employment, residential, and financial information you submit to Three Sticks Lending is authentic, truthful, accurate, and current in all respects. Providing false, fabricated, stolen, or deceptive information constitutes a material breach of these Terms and may subject you to civil liability and criminal prosecution under federal and state fraud statutes.

Consent to Electronic Records (E-SIGN Act): Pursuant to the federal Electronic Signatures in Global and National Commerce Act (E-SIGN Act, 15 U.S.C. § 7001 et seq.) and the Uniform Electronic Transactions Act (UETA):

• You affirmatively consent to receive all notices, disclosures, contracts, communications, and transaction receipts electronically via this website, email, or secure consumer portals;
• Your electronic affirmative actions, such as checking a box, clicking "Check Loan Options" or "Submit," possess the same legal force, validity, and effect as a handwritten signature;
• You verify that you possess the hardware and software required to access and retain electronic records, including an active internet browser supporting 256-bit encryption, a valid email address, and storage capabilities or software capable of viewing portable document format (PDF) files.

5. Financial Calculators, Payment Estimators & Disclaimers

Three Sticks Lending makes available interactive loan calculators, payment estimators, and amortization models. These computational tools are provided purely as educational aids to assist consumers in evaluating hypothetical borrowing scenarios.

• Hypothetical Amortization Models: Mathematical outputs produced by our calculators reflect standard mathematical amortization schedules. They do not constitute an offer of credit, a rate quote, a guarantee of qualification, or a commitment to lend.
• Exclusion of Lender Fees: Calculator estimates do not incorporate independent lender origination fees, administrative charges, document fees, late payment charges, nonsufficient funds fees, or variable state tax assessments.
• No Professional Financial Advice: Content on this website does not constitute financial, investment, legal, tax, or credit counseling advice. You should evaluate your personal financial circumstances or consult a qualified financial counselor prior to entering into any credit obligation.

6. Representative Loan Parameters, APRs & Lender Terms

All financial ranges, Annual Percentage Rates (APRs), loan amounts, and term lengths displayed across Three Sticks Lending are representative parameters intended for illustrative comparison:

• Representative Loan Amounts: $200 to $5,000.
• Representative APR Ranges: 5.99% to 35.99%.
• Representative Repayment Terms: 6 to 60 months.

Truth in Lending Act (TILA) Compliance: Actual loan offers and APRs depend solely upon the independent lender's underwriting models, including credit bureau records, verifiable income, existing debt obligations, and state usury statutes. Under the Truth in Lending Act (TILA, 15 U.S.C. § 1601 et seq.) and CFPB Regulation Z, participating lenders must provide a formal loan disclosure schedule setting forth the exact APR, finance charges, total payments, and amortization schedule prior to your execution of a binding loan contract.

You are under no obligation to accept any loan offer presented by a participating lender. Carefully evaluate all lender disclosures and terms before agreeing to accept loan proceeds.

7. Credit Inquiries, Consent to Soft Pulls & FCRA Notice

Pursuant to the Fair Credit Reporting Act (FCRA, 15 U.S.C. § 1681 et seq.):

• Initial Soft Credit Inquiries: When you submit an initial inquiry on Three Sticks Lending, we and our lending network partners may perform a "soft pull" or use alternative credit verification services to identify eligible loan products. Soft inquiries do not alter, lower, or impact your credit score.
• Lender Hard Credit Inquiries: If you proceed with a formal application through a specific matched lender, that lender will typically conduct a "hard credit inquiry" through one or more nationwide consumer reporting agencies (Equifax, Experian, or TransUnion). A hard inquiry is recorded on your credit file and may affect your credit score.
• Consumer Authorizations: By submitting an inquiry form, you authorize Three Sticks Lending and participating lenders to obtain consumer credit reports, verify employment and banking records, and perform identity authentication in compliance with federal and state regulations.

8. Telephone Consumer Protection Act (TCPA) & Communications Consent

By clicking "Check Loan Options" or otherwise submitting your contact details (telephone number and email address) on this website, you provide your express written consent pursuant to the Telephone Consumer Protection Act (TCPA, 47 U.S.C. § 227) and Federal Trade Commission (FTC) regulations:

• You authorize Three Sticks Lending and our network of independent lenders and service providers to contact you via telephone calls, automated telephone dialing systems (ATDS), artificial or prerecorded voice messages, text messages (SMS and MMS), and electronic mail;
• You acknowledge that consent is not a required condition of purchasing goods, products, or services from Three Sticks Lending or any partner;
• Standard message and data rates applied by your wireless telecommunications carrier may apply;
• Opt-Out Rights: You may revoke communications consent at any time. To cease text messages, reply STOP to any SMS received. To cease promotional emails, click the "Unsubscribe" link in any email or submit an opt-out request through our Contact Us page.

9. Acceptable User Conduct & Prohibited Platform Activities

You agree to use Three Sticks Lending only for lawful purposes in accordance with these Terms. You are expressly prohibited from engaging in any of the following activities:

1. Submitting fictitious, forged, inaccurate, or stolen personal, financial, or employment credentials;
2. Using any automated device, software robot, crawler, scraper, spider, or programmatic script to index, harvest, or extract data, calculators, or text from the website;
3. Attempting to probe, scan, or breach system vulnerabilities or circumvent any authentication, firewall, or encryption controls;
4. Introducing malicious software code, viruses, worms, Trojan horses, or logic bombs designed to impair or disrupt platform operations;
5. Engaging in denial-of-service (DoS or DDoS) attacks or imposing unreasonable network bandwidth burdens on our server infrastructure;
6. Reverse engineering, decompiling, disassembling, or copying any mathematical algorithms, calculator scripts, or proprietary software components;
7. Impersonating any individual, company, or entity, or misrepresenting your affiliation with any person or organization.

We reserve the right to terminate access, blacklist IP addresses, and cooperate with law enforcement authorities in prosecuting individuals who violate these provisions.

10. Intellectual Property, Proprietary Rights & Limited License

All content, visual artwork, site architecture, color palettes, interactive calculation routines, codebases, trade names, trademarks, logos, and service marks displayed on Three Sticks Lending are the exclusive property of Three Sticks Lending or its licensors, protected by United States and international copyright, trademark, trade dress, and patent laws.

Limited Revocable License: Subject to your ongoing compliance with this Agreement, Three Sticks Lending grants you a personal, non-exclusive, non-transferable, non-sublicensable, revocable license to access and view the website and use its calculator tools strictly for personal, non-commercial financial education and inquiry purposes.

No portion of this website may be copied, reproduced, distributed, republished, modified, downloaded, framed, or displayed in any form without prior express written permission from Three Sticks Lending.

11. Third-Party Websites, External Lender Portals & Hyperlinks

This website contains links and referrals to third-party websites, including independent lending institutions, credit reporting agencies, educational portals, and commercial partners. These external links are provided solely as a convenience to you.

Three Sticks Lending exercises no control over, and assumes no legal responsibility for, the content, privacy practices, terms of use, loan products, underwriting procedures, or customer support of any third-party entity.

Your dealings, communications, and loan agreements with third-party lenders found through our platform are solely between you and that third party. You agree that Three Sticks Lending shall not be liable for any loss, damage, or dispute of any sort incurred as a result of such dealings.

12. Disclaimer of Warranties ("As Is" and "As Available")

TO THE FULLEST EXTENT PERMISSIBLE UNDER APPLICABLE LAW, THREE STICKS LENDING EXPRESSLY DISCLAIMS ALL WARRANTIES, INCLUDING, BUT NOT LIMITED TO:

• IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT;
• WARRANTIES THAT THE WEBSITE WILL BE CONTINUOUSLY AVAILABLE, UNINTERRUPTED, TIMELY, SECURE, ACCURATE, OR ERROR-FREE;
• WARRANTIES REGARDING THE RESULTS THAT MAY BE OBTAINED FROM THE USE OF CALCULATORS OR INFORMATIONAL TOOLS;
• WARRANTIES THAT DEFECTS OR SYSTEM ERRORS WILL BE CORRECTED, OR THAT THE PLATFORM IS FREE OF VIRUSES OR HARMFUL MECHANISMS;
• WARRANTIES CONCERNING ANY LOAN OFFERS, INTEREST RATES, CREDIT APPROVALS, OR REJECTION DECISIONS BY THIRD-PARTY LENDERS.

13. Limitation of Liability & Consequential Damages Waiver

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL THREE STICKS LENDING, ITS PARENT ENTITIES, SUBSIDIARIES, AFFILIATES, OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, LICENSORS, OR LENDING PARTNERS BE LIABLE FOR ANY:

• INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, PUNITIVE, OR EXEMPLARY DAMAGES;
• LOSS OF REVENUE, PROFITS, ANTICIPATED SAVINGS, BUSINESS OPPORTUNITIES, OR GOODWILL;
• DAMAGES RESULTING FROM CREDIT SCORE ALTERATIONS, LOAN DENIALS, OR THIRD-PARTY LENDER ACTS OR OMISSIONS;
• DAMAGES ARISING FROM DATA TRANSMISSION FAILURES, SYSTEM INTERRUPTIONS, OR UNAUTHORIZED ACCESS TO CONSUMER DATA.

UNDER NO CIRCUMSTANCES SHALL THE AGGREGATE CUMULATIVE LIABILITY OF THREE STICKS LENDING ARISING OUT OF OR RELATING TO THIS AGREEMENT OR YOUR USE OF THE WEBSITE EXCEED THE GREATER OF ONE HUNDRED UNITED STATES DOLLARS ($100.00 USD) OR THE AMOUNT YOU PAID DIRECTLY TO THREE STICKS LENDING IN THE TWELVE (12) MONTHS PRECEDING THE CLAIM (IF ANY). SOME JURISDICTIONS DO NOT ALLOW LIMITATIONS OF CERTAIN WARRANTIES OR LIABILITIES; ACCORDINGLY, PORTIONS OF THIS SECTION MAY NOT APPLY TO YOU.

14. Consumer Indemnification Obligations

You agree to defend, indemnify, and hold harmless Three Sticks Lending, its corporate affiliates, officers, directors, employees, contractors, agents, licensors, and suppliers from and against any and all claims, demands, liabilities, damages, judgments, awards, losses, costs, expenses, or fees (including reasonable attorneys' fees and court costs) arising out of or relating to:

• Your violation of any provision of these Terms of Use;
• Your submission of false, fraudulent, or inaccurate personal or financial information;
• Your violation of any third-party right, including intellectual property, publicity, or privacy rights;
• Your interactions, communications, or contractual agreements with any independent third-party lender;
• Your breach of any applicable federal, state, or municipal law or regulation.

15. Dispute Resolution, Mandatory Binding Arbitration & Class Action Waiver

PLEASE READ THIS SECTION CAREFULLY. IT MANDATES BINDING INDIVIDUAL ARBITRATION OF DISPUTES AND CONTAINS A WAIVER OF CLASS ACTION AND JURY TRIAL RIGHTS.

Mandatory Informal Negotiation Period: Prior to initiating arbitration or legal proceedings, you and Three Sticks Lending agree to attempt to resolve any dispute, claim, or controversy informally. You agree to send a written notice describing the dispute, your contact details, and the requested relief to [email protected]. Both parties agree to negotiate in good faith for a period of at least thirty (30) calendar days prior to initiating formal dispute proceedings.

Binding Individual Arbitration: If the dispute is not resolved during the informal period, any controversy or claim arising out of or relating to these Terms, the website, or services provided shall be resolved exclusively through final and binding individual arbitration administered by the American Arbitration Association (AAA) under its Consumer Arbitration Rules, rather than in a court of general jurisdiction.

30-Day Opt-Out Window: You have the right to opt out of this arbitration agreement by sending formal written notice of your decision to opt out within thirty (30) days of the date you first access the website or submit an inquiry. Notice must be sent via certified mail to Three Sticks Lending Legal Department, 1201 Orange Street, Suite 600, Wilmington, DE 19801, specifying your full legal name, residential address, telephone number, and an unambiguous statement opting out of arbitration.

16. Governing Law & Judicial Jurisdiction

These Terms of Use, and all disputes, claims, or actions arising out of or related to this website or services, shall be governed by, construed, and enforced in accordance with the laws of the United States and the State of Delaware, without giving effect to any principles of conflicts of law.

For any claims or proceedings not subject to mandatory arbitration as set forth in Section 15, you and Three Sticks Lending agree to submit to the exclusive personal jurisdiction and venue of the federal and state courts located within New Castle County, Delaware, and waive any objection based upon forum non conveniens.

17. Modifications to Terms, Severability & Entire Agreement

Right to Modify Terms: Three Sticks Lending reserves the right, in its sole discretion, to modify, amend, update, or replace any portion of these Terms of Use at any time. Changes will take effect immediately upon posting to this page, with the updated "Effective Date" reflected at the top of this document. Your continued use of the website following any update constitutes your unconditional acceptance of the revised Terms.

Severability: If any provision of these Terms is deemed unlawful, void, invalid, or for any reason unenforceable by an arbitrator or court of competent jurisdiction, that provision shall be enforced to the maximum extent permissible, and the remaining provisions shall remain in full force, valid, and enforceable.

Entire Agreement: These Terms of Use, along with our Privacy Policy and any official notices posted on this website, constitute the complete, integrated, and exclusive understanding between you and Three Sticks Lending with respect to the platform and supersede all prior or contemporaneous agreements, representations, and warranties, whether oral or written.

18. Designated Contact Information & Legal Notices

If you have any questions, regulatory inquiries, or legal notices concerning these Terms of Use or the practices of Three Sticks Lending, please direct your correspondence to our legal department: