Terms of Use

1. Acceptance of Terms

By accessing, browsing, or otherwise using this website, you acknowledge that you have read, understood, and agree to be bound by these Terms and all incorporated policies, including the Privacy Policy and other legal notices published on this site. If you do not agree to these Terms, you must discontinue use immediately.

These Terms apply to all visitors, users, and others who access or use the service. Use of this site may also be subject to additional terms that apply to specific pages, tools, or services, and those additional terms are incorporated by reference where posted.

2. Informational Marketplace; No Lending Relationship

Kradevic: Loan & Credit Guide provides informational comparison functionality and related marketplace navigation tools. We are not a lender, loan servicer, credit card issuer, debt collector, broker-dealer, investment adviser, legal adviser, or tax adviser. We do not make credit decisions, set final rates, or guarantee product availability.

Any lending, credit, or financial product transaction is entered directly with a third-party provider and governed by that provider's contracts and disclosures. Users are solely responsible for reviewing and accepting provider-specific terms.

3. Eligibility and User Conduct

• You agree to provide accurate and complete information in all submissions.
• You agree not to use this site for unlawful, deceptive, harmful, or abusive purposes.
• You may not attempt unauthorized access, interfere with security controls, or disrupt availability.
• You may not scrape, harvest, or extract content using automated means without written permission.
• You may not impersonate another person, misstate affiliation, or submit fraudulent request data.

4. No Guarantee; Offer and Approval Disclaimers

Content on this site, including examples, ranges, rates, fees, and estimated payment figures, is for informational purposes only and may change without notice. Displayed information is not a commitment to lend, not an offer to extend credit, and not a guarantee of approval or pricing.

Eligibility, pricing, and terms are determined by providers based on underwriting criteria, jurisdictional restrictions, and other factors. Users must review final disclosures before accepting any provider offer.

5. Intellectual Property and License Restrictions

All content, software, visual design, trademarks, service marks, text, graphics, and other materials are owned by LOANS BY KRADEVIC LLC or licensed to us and protected by applicable intellectual property laws. You are granted a limited, revocable, non-transferable license to access and use the site for personal, non-commercial purposes.

You may not copy, modify, reproduce, distribute, reverse engineer, create derivative works, publicly display, or exploit site content except as expressly permitted in writing.

6. Third-Party Services and Links

This site may contain links to third-party websites and services. We do not control and are not responsible for third-party content, terms, practices, availability, or security. Access to third-party resources is at your own risk, and third-party agreements govern your interactions.

7. Disclaimer of Warranties

To the fullest extent permitted by law, the website and all content are provided on an "as is" and "as available" basis without warranties of any kind, express or implied, including implied warranties of merchantability, fitness for a particular purpose, title, non-infringement, data accuracy, or uninterrupted operation.

8. Limitation of Liability

To the fullest extent permitted by law, LOANS BY KRADEVIC LLC, its affiliates, officers, directors, employees, contractors, licensors, and agents shall not be liable for indirect, incidental, special, consequential, exemplary, or punitive damages, including lost profits, lost data, loss of goodwill, or business interruption, arising from or related to your use of the site or reliance on site content.

Where direct damages are permitted by law, aggregate liability is limited to the greater of amounts paid by you to LOANS BY KRADEVIC LLC in the twelve months preceding the claim or the minimum amount required by applicable law.

9. Indemnification

You agree to defend, indemnify, and hold harmless LOANS BY KRADEVIC LLC and its affiliates from and against claims, liabilities, damages, losses, and expenses, including reasonable attorneys' fees, arising from your breach of these Terms, misuse of the site, violation of law, or infringement of rights of any third party.

10. Arbitration, Class Action Waiver, and Governing Law

Where enforceable and to the extent permitted by law, disputes arising out of or relating to these Terms may be subject to binding individual arbitration and waiver of class or representative proceedings. Applicable governing law and venue principles are stated in controlling legal disclosures and may vary by jurisdiction.

Nothing in this section limits non-waivable consumer rights or remedies available under mandatory law.

11. Modifications to Terms

We reserve the right to update these Terms at any time by posting a revised version. Changes are effective upon posting unless otherwise stated. Continued use after changes are posted constitutes acceptance of the revised Terms.

12. Contact Information

Questions regarding these Terms may be directed to support@loansbykradevic.com, (970) 406-7881, or 12029 W Center Ave, Lakewood, CO 80228-2901.

13. Regulatory and Compliance Cooperation

We reserve the right to preserve and disclose records, communications, and operational metadata where reasonably necessary to comply with legal obligations, lawful requests from regulatory bodies, judicial process, law-enforcement requests, or compliance investigations. Disclosure may occur without prior notice where legally permitted or required to protect rights, public safety, fraud prevention objectives, or service integrity.

14. Geographic Limitations and Availability

Some services, provider relationships, and product categories referenced on the site may not be available in all jurisdictions. Nothing on this site constitutes an offer where prohibited by law. Users are responsible for determining whether access or use is lawful in their jurisdiction and for complying with local legal requirements.

We may suspend, modify, or discontinue any feature, integration, or category display at any time, with or without notice, based on operational, legal, or compliance considerations.

15. Entire Agreement; Severability; No Waiver

These Terms, together with incorporated policies and legal notices, constitute the entire agreement between you and LOANS BY KRADEVIC LLC concerning website use. If any provision is held invalid or unenforceable, remaining provisions remain in full force to the maximum extent permitted by law.

No waiver of any provision is effective unless in writing and signed by an authorized representative. Failure to enforce any right or provision does not constitute waiver of future enforcement.

16. Assignment and Survival

You may not assign rights or obligations under these Terms without prior written consent. We may assign rights and obligations in connection with merger, acquisition, restructuring, or asset transfer, subject to applicable law.

Sections addressing disclaimers, limitations, indemnification, dispute mechanisms, governing law, intellectual property, and data handling survive termination of these Terms and continue to apply after site use ends.

17. Definitions

"Service" means the website and related informational marketplace functionality offered by LOANS BY KRADEVIC LLC at loansbykradevic.com. "Provider" means independent third-party lender, issuer, network, or related financial service entity. "User Content" means information submitted by users through forms or communication tools.

"Applicable Law" means any statute, regulation, rule, or legally binding requirement relevant to website use, privacy, consumer protection, communication compliance, and dispute procedure in the relevant jurisdiction.

18. Force Majeure

We are not liable for failure or delay in performance caused by events beyond reasonable control, including natural disasters, governmental actions, utility or network failures, cyber incidents, labor disruptions, platform dependency outages, or other force majeure conditions. During such events, obligations may be suspended to the extent reasonably necessary.

19. Export Controls and Sanctions Compliance

Users agree not to access, use, or export the Service in violation of applicable export control, trade restriction, or sanctions laws. We may restrict or terminate access where required to comply with sanctions screening, legal restrictions, or policy obligations.

20. Electronic Communications and Notices

By using this site, you consent to receive communications electronically where permitted by law, including notices, disclosures, and policy updates. Electronic notices are deemed delivered when sent or made available through designated channels, subject to mandatory legal exceptions.

21. Class Action Waiver Clarification

To the extent enforceable and lawful, disputes shall be brought on an individual basis and not as a plaintiff or class member in any purported class, consolidated, collective, or representative proceeding. If a court determines this waiver unenforceable for a particular claim, the remaining provisions continue to apply to the fullest extent permitted by law.