Terms & Conditions
Effective Date: March 25, 2025
1. Introduction
Credit Jetpack, LLC ("Credit Jetpack," "we," "us," or "our") provides loan connection services and related content through our website, creditjetpack.com (the "Site"), along with associated technologies and platforms (collectively, the "Service").
By accessing, browsing, or using any part of the Service, you acknowledge that you have read, understood, and agree to be bound by these Terms and Conditions of Use (the "Terms"). If you do not accept these Terms, you may not use the Service.
PLEASE READ THESE TERMS CAREFULLY. These include an agreement to arbitrate disputes, waive jury trials, and limit your participation in class-action lawsuits.
2. Loan Connection Service
Our Service connects consumers with potential lending partners ("Lender Partners"). To use the Service, you must complete a request form (“Request Form”) which may include your personal and financial details such as name, contact information, Social Security number, bank account details, and employment information. By submitting a Request Form, you consent to Credit Jetpack sharing your information with Lender Partners. You also agree to receive communications via email, phone, SMS, and direct mail regarding loan offers and related services.
3. Credit Decisions
Credit Jetpack is not a lender and does not make credit decisions. We do not guarantee loan approval, specific loan terms, or any particular rates. Lender Partners independently review your information and may perform a credit check, which could be a "hard pull" (which may affect your credit score) or a "soft pull" (which does not). By submitting a Request Form, you authorize such reviews.
If a Lender Partner determines you meet their criteria, you will be redirected to that lender’s website. Your engagement with any lender is governed solely by that lender's terms and conditions.
4. Electronic Disclosures and Consent
By using the Service, you agree to receive all disclosures, notifications, and loan-related documents electronically. If you proceed with a loan, the lender may require your electronic signature, which holds the same legal effect as a traditional signature.
5. Accuracy of Information
You represent that all information provided is accurate, current, and complete. Submitting false or misleading information may result in denial of service or termination of your account.
6. Modification of Service
Credit Jetpack may change, suspend, or discontinue any portion of the Service at any time without notice. We reserve the right to restrict access if we determine you have violated these Terms.
7. Disclaimer of Warranties and Limitation of Liability
The Service is provided “AS IS” without warranties of any kind, express or implied. Credit Jetpack disclaims all warranties, including merchantability, fitness for a particular purpose, and non-infringement.
We are not liable for errors, interruptions, or any losses or damages incurred through use of the Service. Under no circumstances shall Credit Jetpack or its affiliates be liable for indirect, incidental, or consequential damages.
8. Indemnification
You agree to indemnify and hold harmless Credit Jetpack, its officers, employees, and affiliates from any claims, liabilities, or damages arising from your use of the Service or your violation of these Terms.
9. Third-Party Links
The Service may contain links to third-party sites. Credit Jetpack does not endorse or control these sites and is not responsible for their content or practices.
10. Dispute Resolution & Arbitration
All disputes shall be resolved through binding arbitration in accordance with the rules of the American Arbitration Association (AAA). You waive the right to trial by jury and to participate in class-action litigation. Arbitration fees and procedures shall follow AAA guidelines.
11. Privacy Policy
Your use of the Service is subject to our [Privacy Policy], which is incorporated herein by reference. Please review it for details on how we collect, use, and share your data.
12. SMS Communications
By providing your phone number, you consent to receive SMS messages from Credit Jetpack and its Lender Partners. Message and data rates may apply. You may opt out by following the instructions in any message received or by contacting support@creditjetpack.com.
13. Amendments
Credit Jetpack reserves the right to amend these Terms at any time. Updates will be posted to the Site and are effective immediately upon posting.
14. Governing Law
These Terms are governed by the laws of the State of Delaware, without regard to conflict-of-law principles.
15. Contact Information
Company Name: Credit Jetpack, LLC
Email: support@creditjetpack.com
Address: 3340 Peachtree Road NE, Suite 300, Atlanta, GA 30326
Consumer Notice
Credit Jetpack does not charge users any fees for its services. Loans connected via our platform are intended for short-term financial needs, not as long-term solutions. Consumers facing ongoing financial hardship are encouraged to seek advice from qualified debt and credit counseling professionals.
Representative Example
For example, a $1,000 loan with a 12-month term at an APR of 29.82% may result in total repayment of approximately $1,134.72. APRs may range from 5.99% to 35.99% and loan terms may range from 61 days to 72 months, depending on the lender and borrower qualifications.
Legal Disclaimer
Credit Jetpack, LLC is not a lender and does not make loans or credit decisions. We provide a connection service to help consumers find potential lenders. Any use of the Service is subject to these Terms and the Privacy Policy. Offers are not guaranteed and Credit Jetpack does not endorse or recommend any specific lender or loan product.
Some lenders may perform credit checks. Use of our service is not required to apply with a lender. Eligibility varies by state, and Credit Jetpack’s services may not be available in certain states including (but not limited to) Arkansas, New York, New Hampshire, Vermont, and West Virginia.
Credit Implications
Lenders may verify your credit history through credit reporting agencies or alternative data providers. Late or missed payments may result in fees or collection activity. Review each lender’s terms carefully before accepting a loan. Borrow responsibly and within your ability to repay.