These Terms of Use ("Terms") govern your access to and use of hiddenmeadowslending.com and the loan-matching service offered by Hidden Meadow Lending ("Hidden Meadow Lending," "we," "us" or "our"). Please read them carefully. They include limits on our liability and other important provisions.
Acceptance of These Terms
By accessing the Hidden Meadow Lending website or submitting a request, you agree to these Terms and to our privacy policy; if you do not agree, do not use the website.
Our privacy policy and our advertiser and lending disclosure are part of these Terms. These Terms are effective as of the date posted on this page.
Eligibility to Use the Website
You must be at least 18 years old and a resident of the United States to submit a request through Hidden Meadow Lending.
By submitting a request, you confirm that you meet these requirements and that you are submitting the request for yourself, not for another person. Lenders set their own eligibility requirements, which may include a higher minimum age in some states, a steady source of income, an active checking account in your name, a valid email address and phone number, and a Social Security number. Our service is not available in all states.
Our Role: A Matching Service, Not a Lender
Hidden Meadow Lending is a free loan-matching service that shares your request with lenders in its network; it is not a lender and does not make credit decisions, fund loans or set loan terms.
When you submit a request, we pass your information to lenders and partners in our network. Each lender decides independently whether to make an offer and on what terms. If a lender makes an offer, you review its terms on the lender's website and decide whether to accept. Any loan agreement is solely between you and the lender.
There is no promise that you will be matched with a lender, receive an offer, be approved, or receive any particular amount, APR, term or funding time. We cannot ensure that any lender will respond to your request. Hidden Meadow Lending does not charge you a fee for using the service, and we do not endorse or recommend any lender. Lenders and marketing partners may compensate us, as explained in our advertiser and lending disclosure.
Your Responsibilities
You agree to provide accurate, current and complete information in any request you submit to Hidden Meadow Lending and to use the website only for lawful purposes.
Providing false or misleading information, or information about another person without authorization, may be a violation of law and may result in your request being rejected. You are responsible for reviewing every loan offer carefully, including the APR, fees, payment schedule, total cost and consequences of late payment or non-payment, before you accept it. You are also responsible for keeping your own devices and email accounts secure.
Consent to Share Your Request and to Be Contacted
By submitting a request, you authorize Hidden Meadow Lending to share your information with lenders and partners in its network and agree that they may contact you about your request.
You authorize lenders and partners that receive your request to verify your information and to obtain consumer reports or other information about you from consumer reporting agencies and other sources. A lender may run a soft inquiry to show you an offer and may run a hard inquiry before final approval.
You agree that Hidden Meadow Lending and lenders and partners in our network may contact you about your request by phone, text message and email at the contact details you provide, including by automated technology where permitted by law. Consent is not a condition of obtaining a loan. Message and data rates may apply. You may opt out of text messages by replying STOP and out of marketing emails by using the unsubscribe link. Details are in our privacy policy.
Intellectual Property
All content on the Hidden Meadow Lending website, including text, graphics, logos, design and code, is owned by or licensed to us and protected by intellectual property laws.
We grant you a limited, non-exclusive, non-transferable, revocable license to view and use the website for your personal, non-commercial use. You may not copy, reproduce, modify, distribute, republish or create derivative works from the website or its content without our prior written permission, except that you may print or save pages for your own personal reference.
Prohibited Uses
You may not use the Hidden Meadow Lending website in any way that is unlawful, fraudulent, harmful, or that interferes with the website or other users.
For example, you agree not to:
- Submit a request using another person's identity or information without authorization.
- Submit false, misleading or fraudulent information.
- Use bots, scrapers or other automated means to access, copy or submit data to the website.
- Attempt to gain unauthorized access to the website, its servers or related systems.
- Introduce viruses, malicious code or anything that may harm the website or its users.
- Use the website to send spam or unsolicited communications.
- Resell, sublicense or commercially exploit the website or service.
We may suspend or block access to the website and reject any request if we believe these Terms have been violated.
Third-Party Websites and Lender Terms
Lender websites and other third-party sites linked from Hidden Meadow Lending are governed by their own terms and privacy policies, which we do not control.
When you leave our website to review an offer, the lender's terms of use, privacy policy and loan agreement apply. We are not responsible for the content, accuracy, products, services or practices of any lender or third party, including their underwriting, pricing, loan servicing, customer support or collection practices. Questions about a loan offer or an existing loan should be directed to the lender.
Disclaimers
Hidden Meadow Lending provides the website, its content and the matching service "as is" and "as available," without warranties of any kind, to the fullest extent permitted by law.
We disclaim all express and implied warranties, including warranties of merchantability, fitness for a particular purpose, title and non-infringement. We do not warrant that the website will be uninterrupted, error-free or free of harmful components. Articles, calculators and examples on the website, including payment estimates, are for general educational purposes only and are not financial, legal or tax advice. Actual loan terms are set by lenders and may differ from any example shown.
Limitation of Liability
To the fullest extent permitted by law, Hidden Meadow Lending is not liable for indirect, incidental, special, consequential or punitive damages arising from your use of the website or any loan you obtain.
This includes damages for lost profits, lost data, credit impact, or any act or omission of a lender or third party, even if we have been advised of the possibility of such damages. Our total liability for any claim relating to the website or service will not exceed one hundred U.S. dollars. Some states do not allow certain limitations of liability, so some of these limits may not apply to you.
Indemnification
You agree to indemnify and hold harmless Hidden Meadow Lending and its owners, employees and service providers from claims arising from your misuse of the website or violation of these Terms.
This includes reasonable attorneys' fees and costs arising from information you submit, your violation of any law, or your violation of the rights of any third party.
Governing Law
These Terms are governed by the laws of the State of Oregon, without regard to its conflict-of-law rules, except where federal law or the law of your state of residence requires otherwise.
You agree that any dispute relating to these Terms or the website that is not resolved informally will be brought in the state or federal courts located in Oregon, unless applicable law requires a different venue. Before filing a claim, please contact us so we can try to resolve the issue informally.
Changes to These Terms
Hidden Meadow Lending may update these Terms from time to time, and changes take effect when the revised Terms are posted on this page.
Your continued use of the website after changes are posted means you accept the revised Terms. If any provision of these Terms is found unenforceable, the remaining provisions remain in effect. Our failure to enforce any provision is not a waiver of it.
How to Contact Hidden Meadow Lending
Questions about these Terms can be sent to Hidden Meadow Lending by email, phone or mail during our regular support hours.
- Email: [email protected]
- Phone: (888) 321-4754 (Monday–Friday, 8:00 a.m.–6:00 p.m. Pacific Time)
- Mail: 9853 Maple Court, Suite 818, Salem, OR 97301
