1. Acceptance of Terms
By accessing and using TitlePawn.org (the "Website"), you accept and agree to be bound by these Terms of Use. If you do not agree to these terms, please do not use our Website.
2. Nature of Service
2.1 Information Service
TitlePawn.org is an information aggregator and referral service. We are NOT a lender and do not make credit decisions. We provide:
- Educational content about title pawns and title loans
- Loan calculators and estimation tools
- Referrals to third-party lenders
- Location-based lender information
2.2 No Lending Services
We do not originate, fund, or service loans. Any loan you receive will be from a third-party lender, subject to their own terms and conditions.
3. Use of Calculators and Tools
Our loan calculators provide estimates only. Actual loan terms, rates, and payments may differ based on:
- Your specific financial situation
- Vehicle condition and value
- Lender-specific policies
- State and local regulations
Calculator results should not be considered financial advice or guaranteed offers.
4. Third-Party Lender Relationships
4.1 Referrals
When you submit an inquiry through our Website, we may share your information with one or more third-party lenders. We may receive compensation from these lenders.
4.2 Independent Relationship
We do not control, endorse, or guarantee the services of third-party lenders. You are responsible for reviewing and accepting their terms before entering into any loan agreement.
5. Disclaimers and Warnings
⚠️ IMPORTANT WARNINGS ABOUT TITLE LOANS
- High Interest Rates: Title loans typically have APRs from 36% to 300%
- Risk of Repossession: Failure to repay can result in losing your vehicle
- Not for Long-Term Use: These loans are designed for short-term emergencies only
- Explore Alternatives: Consider credit unions, payment plans, or personal loans before choosing a title loan
6. User Responsibilities
You agree to:
- Provide accurate and truthful information
- Be at least 18 years of age
- Use the Website only for lawful purposes
- Not attempt to compromise Website security
- Not use automated tools to scrape or collect data
7. Intellectual Property
All content on this Website, including text, graphics, logos, and software, is the property of TitlePawn.org or its licensors and is protected by copyright and trademark laws.
8. Limitation of Liability
TO THE FULLEST EXTENT PERMITTED BY LAW:
- We provide the Website "as is" without warranties of any kind
- We are not liable for any damages arising from your use of the Website
- We are not responsible for the actions or omissions of third-party lenders
- Calculator estimates may contain errors - use at your own risk
9. Indemnification
You agree to indemnify and hold harmless TitlePawn.org from any claims, damages, or expenses arising from your use of the Website or violation of these Terms.
10. State-Specific Regulations
Title loan regulations vary by state. Some states prohibit or restrict title loans. It is your responsibility to understand and comply with your state's laws.
11. Privacy
Your use of the Website is also governed by our Privacy Policy. Please review it to understand how we collect and use your information.
12. Modifications to Terms
We reserve the right to modify these Terms at any time. The "Last Updated" date will reflect changes. Continued use of the Website after changes constitutes acceptance of the modified Terms.
13. Termination
We may terminate or suspend your access to the Website at any time, without prior notice, for violating these Terms or for any other reason.
14. Governing Law
These Terms are governed by the laws of the United States and the state in which TitlePawn.org operates, without regard to conflict of law principles.
15. Dispute Resolution
Any disputes arising from these Terms or your use of the Website shall be resolved through binding arbitration in accordance with the rules of the American Arbitration Association.
16. Contact Information
For questions about these Terms, please contact us:
Email: [email protected]
Mail: TitlePawn.org Legal Department
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17. Severability
If any provision of these Terms is found to be unenforceable, the remaining provisions will remain in full effect.