LENDESCA TERMS OF SERVICE
Effective Date: March 17, 2026
These Terms of Service (“Terms”) govern your access to and use of the website, platform, tools, applications, and services (collectively, the “Services”) provided by Lendesca LLC (“Lendesca,” “we,” “us,” or “our”).
By accessing or using the Services, you agree to be bound by these Terms. If you do not agree, you may not use the Services.
1. Nature of Services
Lendesca is a financial technology platform and originating lender service provider.
Lendesca does not always act as a lender. Instead, Lendesca may:
- facilitate connections between users and third-party lenders, financial institutions, or service providers;
- assist in the submission, processing, and evaluation of applications;
- provide access to financial products or related services through third parties.
All credit decisions, approvals, rates, terms, and funding are determined solely by the applicable third-party provider.
2. No Guarantee of Approval or Terms
Lendesca does not guarantee:
- approval for any financial product;
- specific loan terms, rates, or amounts;
- availability of any product or service.
All offers are subject to:
- underwriting criteria;
- verification of information;
- applicable laws and regulations;
- the policies of third-party providers.
3. User Responsibilities
By using the Services, you represent and agree that:
- All information you provide is true, accurate, complete, and not misleading;
- You will promptly update any information that changes;
- You are authorized to provide any information submitted;
- You will not use the Services for fraudulent or unlawful purposes.
Lendesca may rely on the information you provide without independent verification.
4. Authorization and Consent
By submitting information through the Services, you:
- authorize Lendesca to use your information in accordance with the Privacy Policy;
- authorize Lendesca to share your information with third-party partners, including lenders, financial institutions, service providers, and other relevant parties;
- acknowledge that your information may be used to evaluate eligibility, process applications, and identify alternative products or services.
5. Communications Consent
You expressly consent to be contacted by Lendesca and its partners via:
- phone calls;
- text messages (SMS);
- email;
including via automated dialing systems or prerecorded messages, where permitted by law.
Consent is not a condition of purchase. You may opt out of marketing communications at any time.
6. Third-Party Services
The Services may involve or link to third-party providers.
Lendesca does not:
- control third-party providers;
- guarantee their services;
- endorse their products.
You acknowledge that:
- third parties operate independently;
- their terms and privacy policies apply;
- Lendesca is not responsible for their actions, omissions, or decisions.
7. Matching and Referral Services
Lendesca may use your information to:
- match you with lenders or financial products;
- route your application to one or more providers;
- present alternative options if you do not qualify for a specific product.
You acknowledge that multiple providers may review your information.
8. Intellectual Property
All content, branding, technology, and materials on the Services are owned by or licensed to Lendesca and are protected by applicable laws.
You may not:
- copy, reproduce, distribute, or create derivative works;
- reverse engineer or attempt to access underlying systems;
- use the Services for unauthorized commercial purposes.
9. Disclaimer of Warranties
THE SERVICES ARE PROVIDED “AS IS” AND “AS AVAILABLE.”
LENDESCA DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING:
- MERCHANTABILITY;
- FITNESS FOR A PARTICULAR PURPOSE;
- NON-INFRINGEMENT;
- ACCURACY OR COMPLETENESS OF INFORMATION.
10. Limitation of Liability
TO THE MAXIMUM EXTENT PERMITTED BY LAW:
LENDESCA SHALL NOT BE LIABLE FOR:
- ANY INDIRECT, INCIDENTAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES;
- LOSS OF PROFITS, DATA, OR BUSINESS OPPORTUNITIES;
- DECISIONS MADE BY THIRD-PARTY PROVIDERS;
- DENIAL OF CREDIT OR UNFAVORABLE TERMS.
LENDESCA’S TOTAL LIABILITY SHALL NOT EXCEED $100.
11. Indemnification
You agree to indemnify and hold harmless Lendesca and its affiliates, officers, employees, and partners from any claims, damages, or liabilities arising from:
- your use of the Services;
- your violation of these Terms;
- your submission of false or misleading information.
12. Arbitration and Dispute Resolution
Any dispute arising out of or relating to these Terms or the Services shall be resolved through binding arbitration.
You waive any right to:
- participate in a class action;
- bring claims as a class representative.
Arbitration shall be conducted on an individual basis.
13. Modifications
Lendesca may update these Terms at any time. Continued use of the Services constitutes acceptance of the updated Terms.
14. Governing Law
These Terms are governed by the laws of the State of Missouri, without regard to conflict of law principles.
15. Contact Information
Lendesca LLC
5208 State Highway N, Suite 203
Cottleville, MO 63304
Email: compliance@lendesca.com
Phone: 314-254-3140