Last Updated: September 5, 2024
Effective Date: September 5, 2024
At HardshipHero, LLC (“HardshipHero,” “we,” “us,” or “our”), transparency is a key part of our mission. This Advertising Disclosure provides clarity on how we generate revenue and how advertisements and affiliate links may influence our content. By using hardshiphero.com (the “Site”) or any related services, you acknowledge and agree to this Advertising Disclosure.
HardshipHero is primarily an advertising-supported business. We earn money through a variety of revenue models, including but not limited to:
Affiliate Links: We may receive compensation from third-party service providers, lenders, or financial partners when you click on links to their services, apply for their products, or complete transactions on their platforms. These affiliate relationships may influence the placement or availability of certain offers on our Site.
Sponsored Content and Advertisements: We may feature sponsored content or display advertisements on the Site, for which we receive compensation from advertisers. Sponsored content is clearly labeled to distinguish it from editorial content. Advertisements may be in the form of banner ads, text ads, or other formats.
Lead Generation: HardshipHero may be compensated by third-party service providers when users submit their contact information or financial details to inquire about loans, debt settlement, or other financial services.
Pay-per-click (PPC) Advertising: We may receive compensation from advertisers when you click on advertisements displayed on our Site, regardless of whether you complete a transaction with the advertiser.
While we may receive compensation from third-party advertisers or partners, we strive to maintain editorial independence and ensure that our recommendations and reviews are objective and reliable. The compensation we receive does not influence the content, topics, or posts made on the Site.
We aim to present offers and recommendations that are in the best interest of our users, and any opinions expressed on the Site are those of HardshipHero or its contributors, not those of advertisers or sponsors.
From time to time, we may publish sponsored content on our Site. Sponsored content is content that is created or presented in partnership with a sponsor. It may be written by our editorial team or provided by the sponsor. Sponsored content is always clearly labeled as “Sponsored,” “Promoted,” “In Partnership With,” or “Advertisement” to ensure transparency.
We do not endorse any products or services featured in sponsored content, and the appearance of such content on our Site does not imply an endorsement by HardshipHero.
Some of the links on our Site are affiliate links. This means that if you click on the link and make a purchase or engage with the third-party service, we may receive a commission or referral fee. These affiliate partnerships are disclosed in relevant sections of the Site, and we aim to be transparent about our relationships with third parties.
We carefully select the companies with which we partner, and we only enter into affiliate relationships with providers that align with our mission to provide financial relief solutions to our users. However, we do not control or influence the services provided by third-party companies and are not responsible for their actions, services, or products.
We may work directly with advertisers who wish to promote their products or services on our Site. These advertisements may appear as banners, sidebar ads, or text links, and we may receive compensation based on the performance of these ads, such as impressions, clicks, or conversions.
We do not endorse any products or services advertised on our Site unless explicitly stated. The presence of an advertisement on our Site does not constitute an endorsement by HardshipHero.
Our Site may include links to third-party websites, services, or content. These links are provided for your convenience, and we may receive compensation when you engage with certain third-party services. HardshipHero does not control the content or practices of third-party websites, and we are not responsible for the privacy practices or content of those sites.
We encourage you to read the privacy policies and terms of service of any third-party website you visit via links on our Site.
HardshipHero makes no guarantee as to the results or success of any services, products, or financial offers displayed or advertised on our Site. The offers presented on our Site are provided by third-party companies, and HardshipHero is not responsible for their terms, rates, or outcomes.
Please review the terms and conditions of any third-party product or service before engaging with them.
We comply with the guidelines set forth by the Federal Trade Commission (FTC) regarding the use of endorsements and testimonials in advertising, as well as requirements related to advertising disclosures and affiliate marketing. Any paid endorsements or partnerships will be clearly disclosed on the Site in accordance with FTC guidelines.
HardshipHero uses tracking technologies, including pixels and cookies, provided by third-party advertising platforms such as Meta (Facebook), YouTube, TikTok, Google, Reddit, Quora, and others to collect information about user interactions with our website and services. These tracking technologies enable us to:
These platforms may collect information such as your IP address, browser type, device identifiers, and the pages you visit on our Site. The data collected by pixels may be combined with other information by these third-party platforms and used in accordance with their respective privacy policies.
Users can manage their tracking preferences or opt-out through their browser settings or the specific platform’s opt-out tools. For example, users may opt out of personalized ads by visiting the Digital Advertising Alliance’s opt-out page at http://optout.aboutads.info.
If you have any questions or concerns regarding this Advertising Disclosure, please contact us at:
HardshipHero, LLC
30 N Gould St Ste R, Sheridan, WY 82801, USA
Email: info@hardshiphero.com
Phone: 1-888-279-2106
DISCLAIMER: At HardshipHero, LLC (“HardshipHero,” “we,” “us,” or “our”), we are committed to providing a transparent and compliant platform. The following disclaimer outlines our services, limitations, and important disclosures. By using this website, you agree to these terms.
NON-LENDER STATUS AND AFFILIATE RELATIONSHIPS: HardshipHero, LLC is not a lender, loan broker, or credit decision-maker. We do not provide cash advances, offer loans, or directly engage in lending activities. This website is not an offer or solicitation to lend. Our services function as a lead generation platform that connects individuals seeking financial assistance with third-party service providers, including lenders and financial institutions. We may receive compensation from these third-party partners for referring potential customers or forwarding user information.
LENDERS: The third-party lenders we work with are solely responsible for their loan offerings, decisions, and transactions, including compliance with federal, state, and local regulations. HardshipHero has no control over, nor responsibility for, the actions, disclosures, or agreements provided by these third-party lenders. Your engagement with a lender is subject to their specific terms and conditions.
TRIBAL LENDERS: You may be matched with a tribal lender governed by tribal and certain federal laws, which are immune from state laws, including usury caps. Tribal lenders may offer loan terms that differ from state-regulated lenders, often with higher interest rates and fees. In the event of disputes, tribal lenders may require resolution within a tribal jurisdiction. Please carefully review their terms and conditions before proceeding.
LEAD AGGREGATORS: Your information may be sent to an aggregator, not directly to a lender, and may be sold multiple times, resulting in offers from multiple lenders or marketers. Lenders may supplement your information with data from other sources to assess your eligibility for services. HardshipHero does not guarantee that all lenders can provide the specific loan type, rate, or terms you are seeking.
HOW WE MAKE MONEY: HardshipHero earns revenue through affiliate marketing and lead generation by connecting users with third-party financial service providers. When you interact with our partners’ services through our platform, we may receive a referral fee or commission. This does not affect the cost of services provided to you, nor does it impact the financial recommendations we make based on your circumstances. Our partners include debt settlement companies, loan providers, legal service firms, and others.
LOAN TERMS AND RATES: Consolidation loan options offered by our affiliates typically range from $1,000 to $50,000, with Annual Percentage Rates (APRs) between 6.99% and 35.99%. Origination fees can range from 0% to 10%, with loan terms from 12 to 60 months. As an example, a typical personal loan might involve:
Loan amount: $23,760
Origination fee: 4.95% ($1,176)
Interest rate: 18.00%
Repayment term: 48 months
Monthly payment: $697.95
APR: 20.89%
The borrower would receive $22,584 after the origination fee deduction, with a total interest of $9,741.60 and total loan cost (interest plus origination fee) of $10,917.72. Total payments made would equal $33,501.60. Only the most creditworthy borrowers receive the highest loan amounts at the lowest rates.
CASH TRANSFER TIMES: Times vary depending on lender practices and applicable local laws. In some cases, additional documentation such as faxing may be required. Credit checks may be performed to assess your creditworthiness.
THIRD-PARTY RELATIONSHIPS AND NO GUARANTEE OF RESULTS: While we strive to connect users with financial services that match their needs, HardshipHero makes no guarantee regarding the availability of loan offers, financial outcomes, or terms provided by third-party lenders. The financial solutions presented are based on individual circumstances and lender discretion. We cannot ensure that you will qualify for any specific loan, rate, or terms. Short-term loans are a costly form of credit and should be used responsibly.
STATE-SPECIFIC RESTRICTIONS: Residents of Connecticut, New Hampshire, Washington, and Vermont are not eligible to request cash advances or participate in certain loan services offered through this website. Additionally, this service may not be available in all states, and availability may change without notice.
LEGAL DISCLOSURES AND CONSUMER PROTECTION: Online Lenders Alliance (OLA): HardshipHero adheres to the OLA’s best practices and code of conduct, committing to the highest standards of customer service, compliance with federal laws, and protecting consumers from fraud. We encourage users to understand the full terms and implications of any loan or financial service before engaging with a third-party provider.
NON-DISCRIMINATION: HardshipHero does not discriminate based on race, color, religion, sex, marital status, national origin, ancestry, or any other protected characteristic. All individuals are treated equally in their interactions with our platform and our third-party partners.
LIMITATION OF LIABILITY: TO THE MAXIMUM EXTENT PERMITTED BY LAW, HardshipHero, LLC, ITS PARENTS, SUBSIDIARIES, AFFILIATES, DIRECTORS, OFFICERS, EMPLOYEES, AND AGENTS SHALL NOT BE LIABLE FOR ANY INDIRECT, CONSEQUENTIAL, INCIDENTAL, SPECIAL, PUNITIVE, OR EXEMPLARY DAMAGES ARISING OUT OF OR IN CONNECTION WITH YOUR USE OF THIS WEBSITE OR THE SERVICES PROVIDED THROUGH IT. THIS INCLUDES BUT IS NOT LIMITED TO DAMAGES RESULTING FROM YOUR USE OF LOAN SERVICES, FINANCIAL PRODUCTS, OR THIRD-PARTY PROVIDER AGREEMENTS.
HardshipHero MAKES NO WARRANTIES, EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE. WE DO NOT GUARANTEE THAT THIS WEBSITE WILL BE ERROR-FREE OR UNINTERRUPTED, NOR DO WE WARRANT THE ACCURACY OF ANY CONTENT OR INFORMATION PROVIDED.
PRIVACY AND DATA USAGE: Please refer to our Privacy Policy for detailed information on how we collect, use, and protect your personal data. By using this website, you agree to the terms of our data collection practices and understand that your information may be shared with third-party providers for the purpose of facilitating financial services.
UPDATES TO THIS DISCLAIMER: We reserve the right to modify this disclaimer at any time. Any changes will be reflected by updating the “Last Updated” date at the top of this disclaimer. Your continued use of this website following such changes constitutes your acceptance of the updated disclaimer.
