Effective Date: September 21, 2026
Welcome to Loanee.io (the “Website”). By accessing, browsing, or using this Website, including our automated AI Chatbot interface, you acknowledge that you have read, understood, and agree to be bound by these Terms of Use. If you do not agree to these terms, please disconnect and cease using this Website immediately.
1. No Professional Advice Provided (Legal, Financial, or Debt Counseling)
The content, data analytics, automated chatbot responses, and educational materials provided on Loanee.io are for informational, informational search, and educational purposes only. For details on how information is collected and used, see our Privacy Policy.
- No Professional Relationship: Your use of this Website, including text exchanges with our AI agent, does not create an attorney-client relationship, a certified financial advisor relationship, an underwriting relationship, or a professional debt-relief counseling relationship.
- Consult a Licensed Professional: Loanee.io does not provide legal representation, commercial financial planning, commercial loan brokerage, or binding debt settlement counseling. You should not act or refrain from acting based on any information found on this Website without seeking professional legal counsel or a licensed financial professional in your relevant jurisdiction.
2. Informational Aggregation & Limitation of Source Data
Loanee.io operates strictly as an independent data aggregator and analytical platform:
- Relayed Information: Our automated systems and database compile public records, promotional data, and general guidelines directly from the public websites and filings of relevant third-party entities (such as commercial lenders, funders, and government portals like the U.S. Small Business Administration – SBA).
- No Guarantee of Accuracy: While we aim to keep our directory updated, commercial financing terms, interest metrics, corporate management policies, and legal court structures change rapidly. Loanee.io does not guarantee, warrant, or represent that the compiled information is permanently accurate, complete, or error-free. You utilize all compiled data at your own absolute risk.
3. Permitted and Prohibited Use of the AI Chatbot
When interacting with our free automated chatbot, you agree to adhere to strict operational boundaries:
- No Inputting of Sensitive Identifiers: You are explicitly prohibited from submitting highly confidential personal information into the free-text fields. Do NOT input Social Security Numbers (SSN), Employer Identification Numbers (EIN), concrete corporate bank routing numbers, addresses, or operational passwords.
- No System Abuse: You agree not to reverse-engineer, spam, flood, or utilize automated scripts, scrapers, or bots to harvest data from our AI interface or directory infrastructure. Attempts to exploit the AI API for non-intended functions will result in an immediate IP and platform ban.
4. Third-Party Links & Partner Introductions
This Website contains structural links and introductions to external commercial entities, including independent third-party debt optimization and refinancing providers:
- Independent Operation: Loanee.io does not own, control, or directly endorse the specific service execution of outside partners. If you choose to share your contact information to explore refinancing pathways, your subsequent relationship with that partner is governed strictly by their independent commercial terms.
5. Marketplace Listings & Directory Submissions (Lender Terms)
If you submit a financing offer, ad, or corporate profile to our Lender Directory & Marketplace (a “Listing”), you agree to the following operational framework:
- Two-Tier Hybrid Moderation (Automated & Manual Review): To ensure maximum marketplace integrity, prevent fraud, and stop spam, Loanee.io utilizes a strict two-stage review process. First, your submission is scanned by an automated security system for compliance, restricted keywords, and safety thresholds. Second, your submission undergoes a final manual inspection by our team.
- Approval Discretion: A Listing will only be published publicly once it passes both the automated scan and manual verification. Loanee.io reserves the absolute right to approve, hold pending, reject, modify, or permanently delete any Listing or user account at its sole discretion without prior notice or liability.
- Daily Submission Limits: To prevent system strain and automated spam, you are permitted to submit a maximum of three (3) Listings per 24-hour window. Attempts to bypass this limit using multiple accounts or proxies will lead to an immediate and permanent platform ban.
- Accuracy of Lending Criteria & Contact Info: You agree to provide fully verifiable business information, including a valid business name, active phone number, physical corporate address, and official website URL. You must accurately declare your underwriting baselines (e.g., minimum credit scores, typical financing types).
- Compliance with Financial Regulations: You certify that you are an authorized lending entity, accredited broker, or private investor group complying with all applicable state and federal commercial financing laws, including SBA regulatory frameworks and Truth in Lending principles where applicable. Predatory, misleading, or deceptive advertising is strictly prohibited.
6. Disclaimer of Warranties
THE WEBSITE AND THE AI CHATBOT ARE PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS. TO THE MAXIMUM EXTENT PERMITTED BY LAW, LOANEE.IO EXPLICITLY DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. LOANEE.IO DOES NOT WARRANT THAT THE WEBSITE, ITS SERVERS, THE AI CHATBOT, OR EMAILS SENT FROM THE PLATFORM ARE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS.
7. Limitation of Liability
To the maximum extent permitted by applicable United States commercial law, Loanee.io, its owners, developers, and partners shall NOT be liable for any direct, indirect, incidental, punitive, or consequential damages resulting from your use of, or inability to use, the Website, the AI Chatbot, or the information compiled herein. This includes, without limitation, commercial losses, operational defaults, asset liquidations, or business cash flow disruptions.
8. Indemnification
You agree to defend, indemnify, and hold harmless Loanee.io, its parent corporate entities, officers, directors, employees, and agents from and against any and all claims, damages, obligations, losses, liabilities, costs, or debt, and expenses (including but not limited to attorney’s fees) arising from your use of and access to the Website, your violation of any term of these Terms of Use, or your violation of any third-party right.
9. Governing Law & Jurisdiction
These Terms of Use and any disputes arising out of or related to this Website shall be governed by, and construed in accordance with, the federal laws of the United States and the state laws governing the legal registration of Loanee.io’s parent entity, without regard to conflict of law principles. You hereby irrevocably consent to the exclusive jurisdiction of the state and federal courts located within our home jurisdiction for all disputes arising out of or relating to the use of this Website.
10. Trademark Disclaimer
All third-party trademarks, product names, and logos displayed on loanee.io are the property of their respective owners. Loanee.io is an independent directory and is not officially affiliated with, endorsed by, or partnered with these companies.
11. Modifications to Terms
We reserve the right to revise, update, or alter these Terms of Use at any time without prior individual notice. Your continued utilization of Loanee.io following the posting of changes constitutes your official acceptance of the modified framework.
Loanee.io is an independent, confidential directory and analytical resource for effective business loans management. Informational and web search resource only. No legal, financial, or debt relief advice provided.