Terms of Use

1. Agreement to Terms

By accessing or using the website located at https://bearloancompany.com (the "Website"), you acknowledge that you have read, understood, and agree to be legally bound by these Terms of Use and our Privacy Policy. If you do not agree to these terms, do not access or use the Website.

2. Description of Services & Not a Lender

Bear Loan Company operates as an educational finance portal and referral marketplace. We are not a direct lender, mortgage broker, loan officer, or financial institution. We do not make credit decisions, underwrite loans, issue funds, or set interest rates or loan terms.

Submitting a loan inquiry through the Website does not constitute a loan application with our platform. Any credit decision, loan offer, APR, or repayment term is made exclusively by participating third-party lenders.

3. Informational Content & No Financial Advice

All content, articles, calculators, and educational materials provided on the Website are intended solely for general informational purposes. Nothing contained on the Website constitutes legal, tax, accounting, or professional financial advice. You should consult a licensed financial advisor before making any borrowing decisions.

4. User Eligibility & Representation

You represent and warrant that you are at least eighteen (18) years of age, a legal resident or citizen of the United States, and possess legal authority to enter into binding agreements. You agree that all information you submit through the Website is true, accurate, current, and complete.

5. Third-Party Websites & Relationships

The Website may contain links or redirect you to independent third-party websites operated by participating lenders or advertisers. We do not endorse, verify, control, or guarantee the products, rates, terms, or policies of third parties.

6. Intellectual Property Rights

All text, graphics, logos, brand emblems, and software on this Website are our proprietary property or that of content licensors and are protected under United States and international copyright and trademark laws.

7. Disclaimer of Warranties & Limitation of Liability

THIS WEBSITE IS PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED. TO THE MAXIMUM EXTENT PERMITTED BY LAW, WE AND OUR OPERATORS DISCLAIM ALL LIABILITY FOR ANY DIRECT, INDIRECT, INCIDENTAL, OR CONSEQUENTIAL DAMAGES ARISING OUT OF YOUR USE OF THE WEBSITE OR INTERACTIONS WITH THIRD-PARTY LENDERS.

8. Contact Information

Questions regarding these Terms of Use should be directed to: