Prismatic Strategies, LLC., doing business as PrismaticLending.com ("prismaticlending.com" or "we" or "our"), owns and operates the website located at www.PrismaticLending.com, (the "Site"). PrismaticLending.com provides and maintains this site for your information, conditioned on your acceptance, without modification, of the terms, conditions and notices contained in these Terms of Use. By accessing and using the Site, you accept and agree, without limitation, to the following:

PRODUCTS AND SERVICES
You understand and agree that PrismaticLending.com is not a lender and is not the creditor for, or issuer of, the products featured on the Site. Any products or services advertised at this site or made available to you after you receive a financial product from an issuer are by and remain the sole responsibility of the respective product vendors and service providers.

LOAN REQUEST ACCEPTANCE POLICY
Your receipt of an electronic or other form of order confirmation does not signify any acceptance of your loan request, nor does it constitute confirmation of any offer to fund. PrismaticLending.com reserves the right at any time after receipt of your loan request to accept or decline your loan request for any reason. PrismaticLending.com may require additional verifications or information before accepting any loan request. PrismaticLending.com is not responsible for requests that cannot be funded or unsuccessful funding requests arising from an individual's ineligibility to qualify for the funding opportunity.

E-CONSENT
By using the services available through the Site, you consent to receive electronically all disclosures, notices or other records that we, our lenders, or our third-party partners are required by law to disclose to you in writing regarding your loan request or the making of your loan (e.g., written disclosures required under the Truth in Lending Act and the Equal Credit Opportunity Act) (the “Disclosures”). Each time you submit a loan request through PrismaticLending.com, you consent to the receipt of electronic Disclosures with respect to that specific loan request and the resulting loan, if any. Your consent does not apply to any future transactions between us, our lenders, or our third-party partners. Our lenders or third-party partners may ask you to agree to an additional electronic consent agreement (or similar agreement). You are responsible for reading and understanding the terms of these additional consent agreements.

RESTRICTIONS
You must be 18 years or older and be a legal resident of the United States to submit a loan request. You agree not to use this Site or any content contained in it for any illegal or inappropriate activities.

COMPLIANCE WITH LAWS
You agree to comply with all applicable laws, statutes, ordinances and regulations regarding your use of the Site and your purchase of products or services through the Site's third party affiliates. PrismaticLending.com may, in its sole discretion, report actual or perceived violations of law to law enforcement or appropriate authorities. If PrismaticLending.com becomes aware, through a complaint or otherwise, of any potential or suspected violation of these Terms of Use or of its privacy policy ("Privacy Policy"), PrismaticLending.com may (but is not obligated to) conduct an investigation to determine the nature and extent of the suspected violation and the appropriate enforcement action, during which investigation PrismaticLending.com may suspend services to any customer being investigated and/or remove any material from PrismaticLending.com's servers. You agree to cooperate fully with any such investigation. You acknowledge that violations of the Terms of Use or the Privacy Policy could be subject to criminal or civil penalties.

INTELLECTUAL PROPERTY
The trademarks, titles, characters, trade names, graphics, designs and other properties, including all software, text and images appearing on this site are protected intellectual properties owned by PrismaticLending.com, its licensees, or other third parties who have authorized use of such properties on the Site.

PrismaticLending.com grants you permission to view and make copies of documents, pages, images or other materials or content on this site for the purposes of obtaining a loan. PrismaticLending.com reserves all other rights in this Site and its contents. You may not distribute, display, transmit or disseminate any such documents, pages, images, materials or content without the prior written consent of PrismaticLending.com. Except as expressly provided on this Site, nothing contained on this Site shall be construed as conferring any right or license under any trademark, copyright or other intellectual property right.

LIMITATION OF LIABILITY AND DISCLAIMER OF WARRANTIES
PrismaticLending.com uses reasonable efforts to ensure that the information on this site is accurate, but cannot guarantee such accuracy. PrismaticLending.com makes no representations regarding the use or results of any content on the Site as to its accuracy, reliability or any other matter.

NEITHER PRISMATICFINANCE.COM NOR ANY OTHER PARTY INVOLVED IN CREATING, PRODUCING OR DELIVERING THIS SITE SHALL BE LIABLE FOR ANY DIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL, INDIRECT OR PUNITIVE DAMAGES ARISING OUT OF YOUR ACCESS TO, OR USE OF, THIS SITE. EVERYTHING ON THIS SITE IS PROVIDED "AS IS" AND WITHOUT WARRANTY OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO, ANY IMPLIED WARRANTY OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE OR NON-INFRINGEMENT. These exclusions and limitations are applied to the fullest extent permitted by law.

THIRD PARTY CONTENT

The Site may contain links to sites maintained by third parties. PrismaticLending.com is not responsible for the content or privacy policies of those sites, and the existence of such links should not be considered an endorsement or recommendation of those sites or of any product or service offered on those sites or of any party that is associated with those sites.

PRIVACY
PrismaticLending.com's Privacy Policy, which is incorporated herein by reference, is applicable to any data supplied through the Site in accordance with the Privacy Policy. The Privacy Policy sets out your rights and PrismaticLending.com's responsibilities with regard to your personal information. PersonalLoans.com will not use your information in any way inconsistent with the purposes and limitations provided in the Privacy Policy. You agree that PrismaticLending.com, in its sole discretion, may modify the Privacy Policy, and you further agree that, by using the Site after such modifications become effective, you have agreed to these modifications. You acknowledge that if you do not agree to any such modification, you will terminate use of the Site.

SECURITY
PrismaticLending.com utilizes secure technology to protect your personal information. Although PrismaticLending.com has taken reasonable measures to provide for the security of certain information that you submit to the Site, PrismaticLending.com cannot guarantee that this information will not be intercepted or decrypted by others. PrismaticLending.com accepts no responsibility for such interception or decryption.

SITE USE
PrismaticLending.com is not your agent, nor is it the agent of the issuer of any personal loan or any supplier with respect to your decision to obtain a personal loan or other financial offering. PrismaticLending.com may receive compensation for third parties for goods, facilities or services that PrismaticLending.com provides to third parties under separate contact. Specifically, PrismaticLending.com typically receives a fee from lenders or lending partners that you may be connected with and/or obtain a loan through. Such goods, facilities or services may or may not relate in any way to your use of the Site. You agree to any such compensation arrangement whether or not related in any way to your use of the Site.

MODIFICATION
PrismaticLending.com reserves the right to modify these Terms of Use from time to time. Your use of the Site after such a modification will constitute your acceptance of, and your agreement to, any new or amended terms and conditions.

INDEMNIFICATION
By using the Site, you agree to indemnify and hold PrismaticLending.com, its subsidiaries, affiliates, officers, agents and other partners and employees, harmless from any loss, liability, claim or demand, including reasonable attorneys' fees, made by any third party due to or arising out of your use or attempted use of the Site, including providing a link to another site or uploading any content to the Site.

VIOLATION OF THE TERMS OF USE
By using the Site, you understand and agree that PrismaticLending.com, at its sole discretion and without prior notice, may terminate your access to the Site and to any services offered on the Site, and may remove any content you have provided if PrismaticLending.com believes that such content violates or is inconsistent with these Terms of Use or the Privacy Policy or their intent, that your conduct is disruptive, or you have violated the law or the rights of PrismaticLending.com or another user.

MISCELLANEOUS
All rights not expressly granted are reserved to PrismaticLending.com. The headings used in these Terms of Use are intended for convenience only, and shall not affect the construction and interpretation hereof or thereof. A party's failure to insist upon or enforce strict performance of any provision of the Terms of Use shall not be construed as a waiver of such or any future provision or right. If any provision of these Terms of Use is held to be invalid or unenforceable, such determination shall not affect such provision in any other respect or any other provision of these Terms of Use, which shall remain in full force and effect. These Terms of Use and the Privacy Policy constitute the entire agreement and understanding between the parties with respect to the subject matter contained herein and therein and supersedes and replaces any and all prior written or oral agreements related to the subject matter hereof.

CONTACT INFORMATION:
Prismatic Lending, LLC.
PrismaticLending.com
1016 N Heatherwood Ave
Madison, SD 57042
support@prismaticlending.com

PrismaticLending.com understands the importance of protecting consumers' personal information and the proper use of their personal information. It is Our policy to not send unsolicited e-mails to consumers and we hope the following information will eliminate any concerns that Your company may have regarding Our practices of consumers' personal information.

PrismaticLending.com and its affiliated sites use only an opt-in or opt-out method of obtaining customer information. All personal information from consumers is obtained voluntarily from the consumer. We obtain personal information from third parties that follow the same set of policies.

All e-mail communications sent by us to consumers include information about the origin of the e-mail and include easily identifiable instructions on how consumers can unsubscribe from receiving future e-mail messages from us. Below is an example of e-mail communications sent by us to subscribers.