Terms of Use

Agreement to these terms

These Terms of Use govern your access to and use of bluloans.com (the "Site"), operated by BluLoans. By using the Site, you agree to these terms. If you do not agree, please do not use the Site. We may update these terms; the review date at the top reflects the current version, and continued use after changes means acceptance of the updated terms.

{{LEGAL REVIEW}} Confirm the correct legal entity name to name as the Site operator, and whether a browsewrap acceptance model is sufficient for this site's risk profile or whether any feature requires affirmative acceptance.

Educational content only — not advice

Everything on the Site — guides, product pages such as business loans, comparison content, calculators, and tools — is provided for general educational and informational purposes only. Nothing on the Site is, or should be treated as, financial, investment, legal, tax, or accounting advice, and nothing here is a recommendation that any particular funding product or provider is right for your specific situation. Financing decisions have real consequences; before making one, consult qualified professionals who can evaluate your actual circumstances.

Calculator and tool outputs are estimates based solely on the numbers you enter and the stated formulas. They are illustrations, not quotes, offers, or predictions of what any provider will actually charge or approve.

BluLoans is not a lender or a party to any financing

BluLoans is not a direct lender. We do not lend money, extend credit, issue commitments, take or process loan applications, or make credit decisions. We do not negotiate terms on your behalf and are not a party to any agreement between you and a funding provider. Providers make all credit decisions and set all rates, fees, and terms. Nothing on the Site is an offer of credit, and using the Site — including connecting with a provider through it — does not guarantee approval of anything by anyone.

We may receive compensation when users connect with participating providers, as disclosed in How We Make Money and our Advertising Disclosure.

{{LEGAL REVIEW}} State-by-state review of broker/finder licensing required: several states (including California under the CFL, and commercial-financing disclosure states such as New York and Virginia) regulate loan brokering, lead generation, or commercial financing referrals. Counsel must confirm the referral model as actually implemented does not require licensing in target states, or that required licenses/registrations are obtained, and approve the "not a broker" characterization in each jurisdiction before partnerships go live.

Accuracy of information

We work hard to keep content accurate, current, and honestly sourced — our process is described in our Editorial Policy, including visible verification tokens for facts pending confirmation. Even so, rates, programs, and rules change constantly, and errors are possible. The Site and its content are provided "as is" and "as available," without warranties of any kind, express or implied, including accuracy, completeness, fitness for a particular purpose, or non-infringement. Always confirm current terms directly with a provider or the relevant government agency before acting.

Provider information displayed in comparison tools reflects the date it was last verified or observed (shown on the page), not necessarily today's terms; public review scores are third-party figures that change over time.

Third-party sites and providers

The Site links to third-party websites, including funding providers and government resources. We do not control third-party sites and are not responsible for their content, products, terms, or privacy practices. Your dealings with any provider — including any application, agreement, or dispute — are solely between you and that provider. Links do not imply endorsement; where a commercial relationship exists, it is disclosed under our Advertising Disclosure.

Intellectual property

The Site's content — text, graphics, logos, tools, and their arrangement — is owned by BluLoans or its licensors and protected by copyright, trademark, and other laws. You may view, print, and share content for personal, non-commercial use with attribution. You may not republish, scrape at scale, resell, or create derivative works from Site content without prior written permission. Requests: hello@bluloans.com.

Acceptable use

You agree not to misuse the Site, including by attempting to breach its security, interfering with its operation, misrepresenting affiliation with BluLoans, or using the Site for unlawful purposes. See our Security page for how to report vulnerabilities responsibly.

Limitation of liability

To the fullest extent permitted by law, BluLoans and its owners, employees, and affiliates will not be liable for any indirect, incidental, consequential, special, or punitive damages — including lost profits, lost financing opportunities, or business interruption — arising from your use of the Site or reliance on its content, even if advised of the possibility. To the same extent, our total aggregate liability for any claim relating to the Site will not exceed one hundred U.S. dollars (US $100). Some jurisdictions do not allow certain limitations, so parts of this section may not apply to you.

{{LEGAL REVIEW}} Counsel to review the entire limitation-of-liability and disclaimer sections for enforceability, the liability cap amount, and any required carve-outs (gross negligence, willful misconduct, non-waivable statutory rights).

Indemnification

You agree to indemnify and hold BluLoans harmless from claims arising out of your violation of these terms or your misuse of the Site. {{LEGAL REVIEW}} Confirm scope of the indemnity clause.

Governing law and disputes

These terms are governed by the laws of {{LEGAL REVIEW: choose jurisdiction — governing law and venue must be selected by counsel based on the operating entity's state of formation and litigation strategy; also decide whether to include an arbitration clause and class-action waiver, which materially change this section}}, without regard to conflict-of-law rules.

Contact

Questions about these terms: hello@bluloans.com, or see the routes on our Contact page.