Supplier Code of Conduct

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

At HardshipHero, LLC (“HardshipHero,” “we,” “us,” or “our”), we are committed to conducting business ethically and responsibly. We expect the same high standards from our suppliers, vendors, and third-party service providers (“Suppliers”). This Supplier Code of Conduct outlines the standards and expectations for all suppliers working with us, ensuring alignment with our values, business practices, and legal requirements.

Our goal is to build long-term partnerships based on trust, transparency, and mutual respect. By adhering to this Supplier Code of Conduct, you agree to meet our expectations in the following key areas.

1. Compliance with Laws and Regulations

Suppliers must comply with all applicable national, state, and local laws, regulations, and ordinances, including but not limited to:

Labor Laws: Comply with labor laws governing wages, working hours, benefits, and worker health and safety.
Environmental Regulations: Ensure compliance with environmental protection laws, including waste management, emissions, and resource usage.
Anti-Corruption and Anti-Bribery: Abide by all laws related to anti-corruption and anti-bribery, including the U.S. Foreign Corrupt Practices Act (FCPA) and other relevant regulations.

2. Human Rights and Fair Labor Practices

We expect all suppliers to treat their employees with respect and dignity, adhere to fair labor practices, and uphold basic human rights in their operations. Specifically, we expect suppliers to:

a. Prohibit Child Labor

Suppliers must not employ individuals below the legal minimum age for employment, and in no case should children under the age of 15 be employed (or the age prescribed by local law, if higher).

b. Prohibit Forced Labor

Suppliers must ensure that no form of forced labor, human trafficking, or involuntary servitude is used in their operations.

c. Provide Fair Wages and Working Conditions

Suppliers must provide wages, benefits, and working hours that meet or exceed local laws and industry standards. They must also maintain a safe and healthy working environment for their employees.

d. Non-Discrimination

Suppliers must not engage in any form of discrimination based on race, color, religion, gender, age, sexual orientation, nationality, disability, or any other protected characteristic.

3. Health, Safety, and Environment

Suppliers are expected to prioritize the health and safety of their employees and the communities in which they operate. They must also operate in an environmentally responsible manner.

a. Safe Working Conditions

Suppliers must ensure that their employees have access to clean, safe, and healthy working conditions. Adequate safeguards must be in place to prevent workplace accidents and injuries.

b. Environmental Responsibility

Suppliers should minimize their environmental impact by reducing energy consumption, waste, and emissions. Compliance with environmental laws and best practices is required to preserve natural resources and prevent pollution.

4. Ethical Business Practices

We expect our suppliers to conduct their business with integrity and uphold the highest ethical standards.

a. Anti-Bribery and Anti-Corruption

Suppliers must not engage in bribery, corruption, or unethical practices to gain any unfair advantage. Suppliers must adhere to all applicable anti-corruption laws, including the Foreign Corrupt Practices Act (FCPA) and the UK Bribery Act.

b. Conflicts of Interest

Suppliers must avoid conflicts of interest and disclose any situations that may create a conflict. Any financial or personal interest that could influence a supplier’s ability to act impartially must be reported to HardshipHero immediately.

c. Confidentiality

Suppliers must protect all confidential information related to HardshipHero, including trade secrets, financial data, customer information, and business plans. Suppliers are prohibited from using this information for their own benefit or disclosing it to third parties without our written consent.

d. Intellectual Property

Suppliers must respect the intellectual property rights of HardshipHero and other third parties. Unauthorized use of intellectual property, trademarks, or proprietary information is prohibited.

5. Reporting and Whistleblower Protection

Suppliers must provide their employees with a means to report unethical or unlawful behavior without fear of retaliation. Suppliers are encouraged to report any unethical conduct, non-compliance with this code, or illegal activities that occur in connection with their business relationship with HardshipHero.

Whistleblower Protection: Suppliers must protect whistleblowers from retaliation and ensure that any reports of misconduct are addressed fairly and confidentially.

6. Monitoring and Compliance

HardshipHero reserves the right to monitor and assess supplier compliance with this Supplier Code of Conduct. Suppliers may be required to provide information, certifications, or reports that demonstrate their adherence to these standards.

a. Audits

We may conduct periodic audits or assessments to ensure compliance. Suppliers must provide access to relevant records and cooperate fully during the audit process.

b. Non-Compliance

Non-compliance with this code may result in corrective action, including but not limited to termination of the business relationship. We expect suppliers to promptly address any violations or areas of concern identified during audits or assessments.

7. Continuous Improvement

We encourage suppliers to continuously improve their ethical, labor, and environmental practices. We are committed to working with suppliers who share our values and strive for higher standards in these areas.

8. Contact Information

If you have any questions about this Supplier Code of Conduct or need to report an issue, please contact us:

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.