Last Updated: [9/5/2024]
Effective Date: [9/5/2024]
Welcome to HardshipHero, LLC (“HardshipHero,” “we,” “us,” or “our”). By accessing or using hardshiphero.com (the “Site”) or any related services provided by HardshipHero (collectively, the “Services”), you agree to comply with and be bound by these Terms of Use (the “Terms”). If you do not agree to these Terms, please do not use the Site or Services.
These Terms, together with our Privacy Policy and any other legal notices or agreements published by us on the Site, constitute the entire agreement between you and HardshipHero regarding your use of the Site and Services.
By accessing or using our Site and Services, you agree to be legally bound by these Terms. If you are entering into this agreement on behalf of an entity, you represent that you have the authority to bind that entity to these Terms.
We reserve the right to modify or update these Terms at any time. The “Last Updated” date at the top of this page indicates when the most recent revisions were made. Continued use of the Site after such changes will signify your acceptance of the modified Terms. It is your responsibility to review these Terms periodically for any updates or changes.
By using our Site, you represent that you:
HardshipHero provides services that help users find financial relief solutions, including but not limited to, debt resolution services, loan matching, financial tools, and educational resources. While we aim to provide accurate and reliable information, we do not guarantee the accuracy, completeness, or usefulness of any information or services provided.
HardshipHero does not offer loans, provide legal or tax advice, or guarantee any specific financial outcome.
Some features of our Site may require you to create an account. When registering an account, you agree to:
HardshipHero reserves the right to suspend or terminate accounts that violate these Terms or our policies.
Subject to these Terms, HardshipHero grants you a limited, non-exclusive, non-transferable, and revocable license to access and use the Site for personal, non-commercial use. You agree not to:
We reserve all rights not expressly granted in these Terms.
You may have the opportunity to post, submit, or otherwise contribute content, including but not limited to testimonials, reviews, and comments (“User Content”). By submitting User Content, you agree that:
We reserve the right to remove any User Content that violates these Terms or is deemed inappropriate.
All content and materials on the Site, including text, graphics, logos, icons, images, audio clips, and software, are the property of HardshipHero or its licensors and are protected by intellectual property laws.
You may not use, copy, modify, or distribute any part of the Site or its content without prior written permission from HardshipHero. Unauthorized use of any content may violate copyright, trademark, and other applicable laws.
Our Site may contain links to third-party websites, services, or resources that are not owned or controlled by HardshipHero. We are not responsible for the content or practices of any third-party sites or services. The inclusion of any third-party link does not imply endorsement by HardshipHero.
Your use of third-party websites or services is subject to the terms and privacy policies of those third parties.
Disclaimer of Warranties:
The Site and Services are provided on an “as-is” and “as available” basis without any warranties of any kind, express or implied. HardshipHero disclaims all warranties, including but not limited to, implied warranties of merchantability, fitness for a particular purpose, and non-infringement.
We do not guarantee that:
Limitation of Liability:
To the fullest extent permitted by law, HardshipHero, its affiliates, directors, employees, and agents will not be liable for any indirect, incidental, special, consequential, or punitive damages arising from:
In no event will HardshipHero’s total liability exceed the amount paid by you, if any, for accessing the Site or Services in the six (6) months preceding the claim.
You agree to indemnify, defend, and hold harmless HardshipHero, its affiliates, directors, officers, employees, and agents from any claims, liabilities, damages, losses, costs, or expenses (including reasonable attorneys’ fees) arising out of or related to your:
We reserve the right to terminate or suspend your access to the Site and Services, without notice, for any reason, including but not limited to:
Upon termination, you will no longer have access to your account, and any licenses granted to you under these Terms will be immediately revoked.
Governing Law:
These Terms and any disputes arising out of or related to these Terms or the Site will be governed by the laws of the State of Wyoming, without regard to its conflict of law principles.
Arbitration:
Any dispute, claim, or controversy arising out of or relating to these Terms or the Site will be resolved through binding arbitration in accordance with the rules of the American Arbitration Association. The arbitration will take place in Sheridan, Wyoming, and the arbitrator’s decision will be final and binding.
Class Action Waiver:
You agree that any arbitration or legal proceeding will be conducted on an individual basis and not as a class, consolidated, or representative action. You waive the right to participate in any class or representative action.
Entire Agreement:
These Terms, together with our Privacy Policy and any other agreements or notices posted on the Site, constitute the entire agreement between you and HardshipHero regarding your use of the Site and Services.
Severability:
If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions will remain in full force and effect.
No Waiver:
Failure to enforce any right or provision of these Terms will not constitute a waiver of such right or provision.
If you have any questions, concerns, or complaints about these Terms, 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.
