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Vulnerability Disclosure

User Website Usage Agreement

Vulnerability Disclosure Policy

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

At HardshipHero, LLC (“HardshipHero,” “we,” “us,” or “our”), ensuring the security and privacy of our systems and the personal data of our customers is a top priority. This Vulnerability Disclosure Policy outlines the process for reporting vulnerabilities in our systems and how we address potential security concerns.

We are committed to working with security researchers and the community to identify and resolve vulnerabilities to protect our systems, users, and data. We encourage responsible disclosure of security issues through the proper channels outlined below.


1. Reporting a Vulnerability

If you believe you have discovered a security vulnerability or a potential risk in our systems, websites, or services, we ask that you notify us as soon as possible by following the steps below.

a. How to Submit a Report

Please send your vulnerability report to security@hardshiphero.com with the following information:

  • A detailed description of the vulnerability, including the type of vulnerability and its potential impact.
  • Steps to reproduce the issue, including any proof of concept (e.g., screenshots, code samples, or other supporting materials).
  • Your contact information for any follow-up questions (optional).

b. What Happens After Submission

Upon receiving your report, we will:

  • Acknowledge receipt of your report within five (5) business days.
  • Review the vulnerability and assess its impact on our systems.
  • Investigate the issue and determine the appropriate steps to mitigate the vulnerability.
  • Provide you with updates on our progress as we work to resolve the issue.


2. Scope of the Vulnerability Disclosure Program

We welcome reports of vulnerabilities related to the following areas:

  • Web applications (e.g., hardshiphero.com and any associated subdomains).
  • APIs (application programming interfaces) used by HardshipHero.
  • Mobile applications.
  • Third-party software used in connection with HardshipHero’s systems (if applicable).

a. Out of Scope

The following types of reports are not eligible for the vulnerability disclosure program:

  • Issues related to third-party websites or services that are not under our control.
  • General feedback on website performance or user experience.
  • Denial of Service (DoS) attacks or any activity that disrupts the operation of our services.
  • Spam or phishing reports.


3. Safe Harbor for Good Faith Reporting

We are committed to working with security researchers in good faith. If you identify a vulnerability and comply with this policy, we will consider your research to be authorized, and we will not initiate legal action against you.

However, we ask that you:

  • Do not exploit the vulnerability beyond what is necessary to demonstrate its existence.
  • Do not access or modify data that is not your own.
  • Do not perform actions that could harm HardshipHero, its users, or its data.
  • Do not publicly disclose the vulnerability until we have had a reasonable amount of time to address it.

We may offer public recognition for responsible disclosures, but this is determined on a case-by-case basis.


4. Legal and Ethical Considerations

By participating in this program, you agree to comply with all applicable laws and regulations. You must avoid violating the privacy of users, degrading the experience for others, or conducting any activity that could cause harm to our systems or services.

We reserve the right to modify or terminate this program at any time.


5. No Compensation

At this time, we do not offer financial rewards or bounties for vulnerability disclosures. However, we deeply appreciate your efforts to keep our systems secure and may recognize your contributions publicly, with your consent.


6. Contact Us

If you have any questions regarding this Vulnerability Disclosure Policy or would like to submit a vulnerability, 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

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.