Terms of Service

Please read these terms carefully before using our website and services

Last Updated: March 22, 2025

1. Agreement to Terms

These Terms of Service (the "Terms") constitute a legally binding agreement between you ("you," "your," or "user") and Tribal Installment Loans ("we," "us," or "our") regarding your access to and use of the website located at www.tribal-installment-loans.com and all subdomains, mobile applications, and related services (collectively, the "Site").

By accessing or using the Site, you acknowledge that you have read, understood, and agree to be bound by these Terms. If you do not agree to these Terms, you must not access or use the Site.

These Terms include our Privacy Policy, which is incorporated by reference. Our Privacy Policy describes how we collect, use, and share information about you when you use our Site.

2. Description of Services

Tribal Installment Loans operates as a loan connection service. We do not originate loans or make credit decisions. Instead, we connect potential borrowers with our network of tribal lenders who may provide installment loans based on the information you submit.

Our services include:

  • Collecting and processing loan application information
  • Securely transmitting your application to our network of tribal lenders
  • Providing educational resources about tribal installment loans
  • Offering tools such as loan calculators to help you make informed decisions

We do not guarantee that you will be approved for a loan or that a lender will offer you specific terms. The approval decision and loan terms are at the sole discretion of the lender reviewing your application.

3. Eligibility

By using our Site, you represent and warrant that you:

  • Are at least 18 years of age (or the age of majority in your state of residence, whichever is greater)
  • Are a legal resident of the United States
  • Have the legal capacity to enter into binding contracts
  • Will provide true, accurate, current, and complete information about yourself when using our services
  • Will maintain and promptly update your information to keep it true, accurate, current, and complete

We reserve the right to terminate your access to the Site if we learn that you do not meet these eligibility requirements or if you provide false or misleading information.

4. Account Responsibilities

When you create an account on our Site or submit a loan application, you are responsible for:

  • Maintaining the confidentiality of your account credentials, including your username and password
  • Restricting access to your account and your computer or mobile device
  • All activities that occur under your account or with your account credentials

You agree to notify us immediately of any unauthorized use of your account or any other breach of security. We cannot and will not be liable for any loss or damage arising from your failure to comply with this section.

You agree that the information you provide during registration or in connection with your loan application will be governed by our Privacy Policy.

5. Intellectual Property Rights

The Site and its entire contents, features, and functionality (including but not limited to all information, software, text, displays, images, video, audio, and the design, selection, and arrangement thereof) are owned by us, our licensors, or other providers of such material and are protected by United States and international copyright, trademark, patent, trade secret, and other intellectual property or proprietary rights laws.

5.1 License to Use

Subject to these Terms, we grant you a limited, non-exclusive, non-transferable, and revocable license to access and use the Site for your personal, non-commercial purposes. This license does not include:

  • Any resale or commercial use of the Site or its contents
  • Any collection and use of any product listings, descriptions, or prices
  • Any derivative use of the Site or its contents
  • Any downloading or copying of account information for the benefit of another merchant
  • Any use of data mining, robots, or similar data gathering and extraction tools

No right, title, or interest in or to the Site or any content on the Site is transferred to you, and all rights not expressly granted are reserved by us.

5.2 Trademarks

The company name, logo, and all related names, logos, product and service names, designs, and slogans are trademarks of ours or our affiliates or licensors. You may not use such marks without our prior written permission. All other names, logos, product and service names, designs, and slogans on the Site are the trademarks of their respective owners.

6. User Content

Our Site may allow you to submit content, such as reviews, comments, or feedback (collectively, "User Content"). You retain all rights in your User Content, but you grant us a worldwide, non-exclusive, royalty-free, perpetual, irrevocable, and fully sublicensable right to use, reproduce, modify, adapt, publish, translate, create derivative works from, distribute, and display such User Content in any media.

You represent and warrant that:

  • You own or control all rights to the User Content you post
  • The User Content is accurate and not misleading
  • The User Content does not violate these Terms, the law, or the rights (intellectual property, privacy, or otherwise) of any third party
  • The User Content does not contain any material that is defamatory, obscene, indecent, abusive, offensive, harassing, violent, hateful, inflammatory, or otherwise objectionable

We have the right to remove any User Content that, in our sole judgment, violates these Terms or could expose us or our users to any harm or liability.

7. Prohibited Activities

You agree not to engage in any of the following prohibited activities in connection with your use of the Site:

  • Violating any applicable law, rule, or regulation
  • Impersonating any person or entity or falsely stating or otherwise misrepresenting your affiliation with a person or entity
  • Interfering with or disrupting the Site or servers or networks connected to the Site
  • Attempting to gain unauthorized access to parts of the Site, other accounts, computer systems, or networks connected to the Site
  • Using the Site for any fraudulent or illegal purpose
  • Submitting false or misleading information in a loan application
  • Harvesting or collecting email addresses or other contact information of other users from the Site
  • Engaging in any automated use of the system, such as using scripts to send comments or messages
  • Using the Site in a manner inconsistent with any applicable laws or regulations
  • Attempting to reverse engineer any portion of the Site
  • Encouraging others to engage in any of the prohibited activities

We reserve the right to terminate your access to the Site immediately, without prior notice, if we believe, in our sole discretion, that you have violated any of these prohibited activities.

8. Third-Party Links & Content

The Site may contain links to third-party websites, resources, or services that are not owned or controlled by us. We provide these links only as a convenience and are not responsible for the content, products, or services on or available from those websites or resources.

You acknowledge and agree that we are not responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with the use of or reliance on any such content, products, or services available on or through any such third-party websites or resources.

We strongly advise you to read the terms and conditions and privacy policies of any third-party websites or services that you visit, including the terms and conditions of any tribal lender you may be connected with through our services.

9. Loan Terms and Tribal Lender Relationships

Tribal Installment Loans is not a lender. We are a loan connection service that connects potential borrowers with our network of tribal lenders. Please be aware of the following important points:

  • We do not make credit decisions or determine loan terms
  • We do not endorse, guarantee, or warrant the services of any specific tribal lender
  • Loan approval, terms, and conditions are determined solely by the tribal lender
  • Tribal lenders operate under tribal sovereignty and their loan terms may differ from state-regulated lenders
  • Interest rates, fees, and repayment terms offered by tribal lenders may be higher than those offered by other types of lenders
  • You are under no obligation to accept any loan offer made by a tribal lender

We strongly encourage you to carefully review all loan terms and conditions provided by the tribal lender before accepting any loan offer. By using our services, you understand and acknowledge that you will be entering into a separate agreement with a tribal lender if you accept their loan offer, and such agreement will be subject to the tribal lender's own terms and conditions.

10. Disclaimer of Warranties

YOUR USE OF THE SITE, ITS CONTENT, AND ANY SERVICES OBTAINED THROUGH THE SITE IS AT YOUR OWN RISK. THE SITE, ITS CONTENT, AND ANY SERVICES OBTAINED THROUGH THE SITE ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS, WITHOUT ANY WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED.

NEITHER THE COMPANY NOR ANY PERSON ASSOCIATED WITH THE COMPANY MAKES ANY WARRANTY OR REPRESENTATION WITH RESPECT TO THE COMPLETENESS, SECURITY, RELIABILITY, QUALITY, ACCURACY, OR AVAILABILITY OF THE SITE. WITHOUT LIMITING THE FOREGOING, NEITHER THE COMPANY NOR ANYONE ASSOCIATED WITH THE COMPANY REPRESENTS OR WARRANTS THAT THE SITE, ITS CONTENT, OR ANY SERVICES OBTAINED THROUGH THE SITE WILL BE ACCURATE, RELIABLE, ERROR-FREE, OR UNINTERRUPTED, THAT DEFECTS WILL BE CORRECTED, THAT THE SITE OR THE SERVER THAT MAKES IT AVAILABLE ARE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS, OR THAT THE SITE OR ANY SERVICES OBTAINED THROUGH THE SITE WILL OTHERWISE MEET YOUR NEEDS OR EXPECTATIONS.

THE COMPANY HEREBY DISCLAIMS ALL WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, STATUTORY OR OTHERWISE, INCLUDING BUT NOT LIMITED TO ANY WARRANTIES OF MERCHANTABILITY, NON-INFRINGEMENT, AND FITNESS FOR PARTICULAR PURPOSE.

THE FOREGOING DOES NOT AFFECT ANY WARRANTIES WHICH CANNOT BE EXCLUDED OR LIMITED UNDER APPLICABLE LAW.

11. Limitation of Liability

IN NO EVENT WILL THE COMPANY, ITS AFFILIATES, OR THEIR LICENSORS, SERVICE PROVIDERS, EMPLOYEES, AGENTS, OFFICERS, OR DIRECTORS BE LIABLE FOR DAMAGES OF ANY KIND, UNDER ANY LEGAL THEORY, ARISING OUT OF OR IN CONNECTION WITH YOUR USE, OR INABILITY TO USE, THE SITE, ANY WEBSITES LINKED TO IT, ANY CONTENT ON THE SITE OR SUCH OTHER WEBSITES, OR ANY SERVICES OBTAINED THROUGH THE SITE OR SUCH OTHER WEBSITES, INCLUDING ANY DIRECT, INDIRECT, SPECIAL, INCIDENTAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO, PERSONAL INJURY, PAIN AND SUFFERING, EMOTIONAL DISTRESS, LOSS OF REVENUE, LOSS OF PROFITS, LOSS OF BUSINESS OR ANTICIPATED SAVINGS, LOSS OF USE, LOSS OF GOODWILL, LOSS OF DATA, AND WHETHER CAUSED BY TORT (INCLUDING NEGLIGENCE), BREACH OF CONTRACT, OR OTHERWISE, EVEN IF FORESEEABLE.

THE FOREGOING DOES NOT AFFECT ANY LIABILITY WHICH CANNOT BE EXCLUDED OR LIMITED UNDER APPLICABLE LAW.

12. Indemnification

You agree to defend, indemnify, and hold harmless the Company, its affiliates, licensors, and service providers, and its and their respective officers, directors, employees, contractors, agents, licensors, suppliers, successors, and assigns from and against any claims, liabilities, damages, judgments, awards, losses, costs, expenses, or fees (including reasonable attorneys' fees) arising out of or relating to your violation of these Terms or your use of the Site, including, but not limited to, your User Content, any use of the Site's content, services, and products other than as expressly authorized in these Terms, or your use of any information obtained from the Site.

13. Term and Termination

These Terms shall remain in full force and effect while you use the Site. We may terminate or suspend your access to the Site immediately, without prior notice or liability, for any reason whatsoever, including without limitation if you breach these Terms.

Upon termination, your right to use the Site will immediately cease. If you wish to terminate your account, you may simply discontinue using the Site, or contact us to request account deletion.

All provisions of these Terms which by their nature should survive termination shall survive termination, including, without limitation, ownership provisions, warranty disclaimers, indemnity, and limitations of liability.

14. Governing Law

These Terms and any dispute or claim arising out of or in connection with them or their subject matter or formation (including non-contractual disputes or claims) shall be governed by and construed in accordance with the laws of the State of New York, without giving effect to any choice or conflict of law provision or rule.

15. Dispute Resolution

15.1 Informal Resolution

Before filing a claim against us, you agree to try to resolve the dispute informally by contacting us. We'll try to resolve the dispute by contacting you via email. If a dispute is not resolved within 30 days of submission, you or we may bring a formal proceeding.

15.2 Arbitration Agreement

You and the Company agree that any dispute, claim, or controversy arising out of or relating to these Terms or the breach, termination, enforcement, interpretation, or validity thereof or the use of the Site or Services (collectively, "Disputes") will be settled by binding arbitration, except that each party retains the right to seek injunctive or other equitable relief in a court of competent jurisdiction to prevent the actual or threatened infringement, misappropriation, or violation of a party's copyrights, trademarks, trade secrets, patents, or other intellectual property rights.

15.3 Class Action Waiver

YOU AND THE COMPANY AGREE THAT EACH MAY BRING CLAIMS AGAINST THE OTHER ONLY IN YOUR OR ITS INDIVIDUAL CAPACITY AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS OR REPRESENTATIVE PROCEEDING. Further, unless both you and the Company agree otherwise, the arbitrator may not consolidate more than one person's claims, and may not otherwise preside over any form of a representative or class proceeding.

16. Changes to Terms

We may revise and update these Terms from time to time in our sole discretion. All changes are effective immediately when we post them, and apply to all access to and use of the Site thereafter.

Your continued use of the Site following the posting of revised Terms means that you accept and agree to the changes. You are expected to check this page frequently so you are aware of any changes, as they are binding on you.

We will make reasonable efforts to notify you of any material changes to these Terms by posting a notice on our homepage or sending an email to the email address associated with your account (if applicable).

17. Electronic Communications

When you use the Site or send emails to us, you are communicating with us electronically. By using our Site or sending emails to us, you consent to receive communications from us electronically. We will communicate with you by email or by posting notices on the Site.

You agree that all agreements, notices, disclosures, and other communications that we provide to you electronically satisfy any legal requirement that such communications be in writing. You further agree that any notices provided by us electronically are deemed to be given and received on the date we transmit any such electronic communication.

You understand that the technical processing and transmission of the Site may involve:

  • Transmissions over various networks
  • Changes to conform and adapt to technical requirements of connecting networks or devices

By providing us with your email address, you consent to receive all required notices and information electronically. Electronic notices have the same meaning and effect as if we had provided you with paper copies.

18. Contact Information

If you have any questions about these Terms, please contact us at:

Tribal Installment Loans
123 Financial Plaza, Suite 400
New York, NY 10001
Email: [email protected]
Phone: 1-800-123-4567