Terms of Use

Terms of Use

Last updated: July 02, 2025

Welcome to Moneynauts.com ("Moneynauts," "we," "us," or "our"), a comparison platform that connects users with lenders and service providers for loans, mortgages, solar, and home improvement offers. By accessing or using our website, services, or related applications (collectively, the "Services"), you agree to be bound by these Terms of Use ("Terms"). If you do not agree with these Terms, please do not use our Services.

Acceptance of Terms

These Terms govern your use of Moneynauts.com and our Services. We may update these Terms periodically, and changes will be effective upon posting to our website with an updated "Last Updated" date. Your continued use of the Services after changes constitutes acceptance of the revised Terms. Please review these Terms regularly.

Nature of Services

Moneynauts.com is a comparison platform that helps you find and compare offers for loans, mortgages, solar installations, and home improvement financing. We are not a lender, broker, or service provider but act as an intermediary connecting you with third-party lenders and providers ("Partners"). We may receive compensation from Partners for referrals or completed transactions, which may influence the offers displayed. Offers, rates, and terms vary by state, lender, and your qualifications, subject to applicable laws.

Eligibility

To use our Services, you must:

  • Be at least 18 years old or the age of majority in your state of residence.
  • Be a resident of the United States or a jurisdiction where our Services are offered.
  • Provide accurate and complete information when using our Services. We reserve the right to refuse access to our Services to anyone at our discretion.

User Responsibilities

You agree to:

  • Provide truthful and current information, including personal and financial details, to generate accurate offers.
  • Use the Services only for lawful purposes and in compliance with these Terms and applicable state and federal laws.
  • Not misuse our Services, such as by submitting false information, attempting to bypass security measures, or using automated tools to scrape data.
  • Review and understand all terms, conditions, and disclosures provided by Partners before accepting any offer. You are responsible for maintaining the confidentiality of any account credentials and for all activities under your account.

Compliance with State and Federal Laws

Moneynauts operates in compliance with applicable state and federal laws, including but not limited to:

  • State Licensing: We hold necessary licenses (e.g., mortgage broker or consumer lending licenses) in states where required, such as California (California Financing Law), New York (Department of Financial Services), Florida (Office of Financial Regulation), and Texas (Office of Consumer Credit Commissioner). In states where we do not arrange loans, we operate as a referral service. See our State Laws page for details.
  • Consumer Protection: We adhere to state consumer protection laws, such as California’s Unfair Competition Law and the California Consumer Privacy Act (CCPA), ensuring transparency and fair practices.
  • Lending Regulations: Offers comply with state usury laws (e.g., New York’s 16% cap for consumer loans) and restrictions on loan terms, fees, or referrals.
  • Data Privacy: Financial data is protected under the federal Gramm-Leach-Bliley Act (GLBA) and state privacy laws. See our Privacy Policy for details.
  • Advertising: Rates and terms are estimates, and we comply with state laws requiring accurate marketing, such as Truth in Lending Act (TILA) standards enforced at the state level.

Prequalification and Credit Checks

To provide personalized offers, we may use soft credit checks, which do not affect your credit score, based on information you provide. If you proceed with a Partner’s application, they may perform a hard credit inquiry, which could impact your credit score. You authorize us and our Partners to obtain your credit information as permitted by law. Offer availability and terms depend on your state, creditworthiness, and Partner criteria.

Third-Party Partners

Moneynauts connects you with Partners but is not responsible for their actions, offers, or terms. Each Partner has its own policies, and you should carefully review their agreements before proceeding. We do not guarantee loan approvals, rates, or the accuracy of Partner-provided information. Disputes with Partners must be resolved directly with them.

Intellectual Property

All content on Moneynauts.com, including text, logos, graphics, and software, is owned by or licensed to us and protected by copyright, trademark, and other laws. You may not copy, modify, distribute, or reproduce our content without written permission, except for personal, non-commercial use as permitted by law.

Privacy and Data Use

Your use of our Services is subject to our Privacy Policy, which details how we collect, use, share, and protect your personal information. By using our Services, you consent to such data practices, subject to applicable state privacy laws (e.g., CCPA). You may opt out of certain data sharing as outlined in the Privacy Policy.

Limitation of Liability

To the fullest extent permitted by law, Moneynauts, its affiliates, and partners are not liable for any direct, indirect, incidental, or consequential damages arising from:

  • Your use of or inability to use our Services.
  • Errors, delays, or inaccuracies in offers or Partner information.
  • Actions or omissions by Partners or third parties.
  • Unauthorized access to your data, except where caused by our gross negligence. Our Services are provided “as is” without warranties of any kind, express or implied, including merchantability or fitness for a particular purpose.

Indemnification

You agree to indemnify and hold Moneynauts, its affiliates, and employees harmless from any claims, losses, or damages arising from your use of the Services, violation of these Terms, or infringement of third-party rights, except where caused by our willful misconduct.

Termination

We may suspend or terminate your access to our Services at any time, with or without notice, for reasons including violation of these Terms, suspected fraud, or compliance with legal requirements. You may stop using our Services at any time.

Governing Law and Dispute Resolution

These Terms are governed by the laws of the State of [Insert State, e.g., Delaware], without regard to conflict of law principles. Any disputes arising from these Terms or your use of our Services will be resolved through binding arbitration in [Insert City, e.g., Wilmington, Delaware], under the rules of the American Arbitration Association, except where prohibited by law. You waive the right to participate in class actions.

Contact Us

For questions about these Terms or our Services, contact us at:

  • Email: [insert email, e.g., support@moneynauts.com]
  • Phone: [insert phone number]
  • Mailing Address: [insert address]

Miscellaneous

  • Severability: If any provision of these Terms is found invalid, the remaining provisions remain enforceable.
  • Entire Agreement: These Terms, along with our Privacy Policy and State Laws page, constitute the entire agreement between you and Moneynauts.
  • No Waiver: Our failure to enforce any right or provision does not waive that right or provision.
  • Assignment: We may assign these Terms to a successor entity; you may not assign them without our consent.

Note: Offers, rates, and availability vary by state and are subject to lender approval and state regulations. Review all Partner terms carefully before proceeding.