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How We Make Money

User Website Usage Agreement

How We Make Money

Last Updated: September 5, 2024
Effective Date: September 5, 2024

At HardshipHero, LLC (“HardshipHero,” “we,” “us,” or “our”), we believe in being transparent about how our business generates revenue. Our goal is to provide valuable services to individuals facing financial hardship while maintaining honesty and integrity in how we earn money. This How We Make Money page outlines the key ways we generate revenue through our platform and partnerships.


1. Affiliate Partnerships and Lead Generation

The primary way HardshipHero generates revenue is through affiliate marketing and lead generation. We connect our users with trusted partners who offer financial services that can help them manage or overcome their financial challenges. These partners include debt resolution companies, loan providers, legal service providers, and more.

a. Referral Fees and Commissions

  • When users are matched with financial services, loans, or other offers through our platform, we may receive a referral fee or commission from the partner for referring a potential customer.

  • This compensation is provided by the partner and does not impact the cost or service provided to the user. Our goal is to recommend the best possible solutions based on the user’s financial situation.

b. Pay-Per-Lead or Pay-Per-Call

  • We generate revenue when users are referred to our partners as leads or when they call one of our partner service providers. These arrangements are often structured on a pay-per-lead or pay-per-call basis, where we are compensated for each qualified lead or call we generate.

c. Performance-Based Payments

  • In some cases, we may enter into performance-based agreements with partners. For example, if a user successfully completes a loan application or signs up for a debt resolution service, we may receive a payment based on that completed transaction.



2. Sponsored Offers and Advertising

In addition to affiliate marketing, we may feature sponsored offers or advertisements from financial service providers. Sponsored content is clearly marked, and we ensure that it aligns with our goal of providing relevant and helpful financial solutions to our users.

a. Sponsored Offers

  • We may promote certain financial products or services as sponsored offers. These offers are provided by partners who compensate us for featuring their services, either on a flat-rate basis or as part of a performance-based arrangement.

b. Display Advertising

  • Occasionally, we may display ads on our website. These ads may be placed by third-party advertisers or through advertising networks. We may earn revenue based on impressions (views) or clicks on these ads.



3. Lead Monetization

Not every user will qualify for the exact services they are initially seeking. In these cases, we may offer alternative solutions through lead monetization:

a. Alternative Service Providers

  • If a user does not qualify for a particular loan or financial service, we may recommend alternative providers who offer different products, such as debt settlement or validation services. We are compensated by these providers for connecting users with relevant solutions.



4. Transparency and Integrity

We prioritize transparency in our relationships with both our users and our partners. Here’s what that means for you:

a. No Additional Cost to Users

  • Any compensation we receive from our partners does not increase the cost of the services provided to you. Our recommendations are based on your financial needs, and we aim to present the best options available based on your situation.

b. Trust and Objectivity

  • While we are compensated by our partners, we strive to offer unbiased recommendations. We work with a wide range of partners and are not obligated to promote any specific service unless it is genuinely beneficial to the user.

c. Clear Disclosure

  • We clearly disclose when we receive compensation for referring users to specific partners. We believe that transparency builds trust, and we are committed to making sure users understand how our business model works.



5. Our Commitment to Helping You

At HardshipHero, our mission is to help individuals find solutions to financial hardship. By partnering with a variety of financial service providers and earning compensation through affiliate marketing and lead generation, we can offer our platform and resources at no cost to our users.

We believe that by connecting people with the right financial services, we can help them improve their financial well-being, while also generating revenue to sustain and grow our business.


6. Contact Us

If you have any questions about how we make money or our partnerships, feel free to reach out to us:

HardshipHero, LLC
30 N Gould St Ste R, Sheridan, WY 82801, USA
Email: info@hardshiphero.com
Phone: +1 888-279-2106

Copyright ©2024 HardshipHero, LLC

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.