Terms of Service

1. Acceptance of Terms

Welcome to RiseCreditApp.com. By accessing or using this website (the "Site"), you agree to be bound by these Terms of Service ("Terms") and our Privacy Policy. If you do not agree with any part of these Terms, you must immediately stop using the Site.

These Terms form a legally binding agreement between you and the operators of RiseCreditApp.com. You must be at least 18 years old (or the age of majority in your state) and a legal resident of the United States to use this Site.

2. Description of Service

RiseCreditApp.com is an independent editorial publication that provides reviews, comparisons, and informational content about Rise Credit and other personal loan products available in the United States. The Site also operates a loan inquiry form (powered by APIdiamond.com) that connects visitors with third-party lenders.

We are not a bank, lender, broker, or financial advisor. We do not originate loans, set interest rates, or make credit decisions. Our role is limited to publishing editorial content and facilitating introductions between consumers and licensed lenders.

3. Editorial Independence & Affiliate Disclosure

Our writers and editors maintain editorial control over all content published on the Site. Affiliate partners do not see content before publication, do not approve scoring, and cannot demand favorable treatment. Negative information about partner lenders is included whenever our research finds it.

When we display a "Sponsored," "Featured," or similar label next to a lender or product, that label indicates a paid placement. All other content is independent editorial work.

4. Not Financial Advice

All content on this Site is provided for informational and educational purposes only. Nothing on RiseCreditApp.com constitutes financial, legal, tax, or other professional advice. Reading our reviews does not create an advisor-client relationship.

Before making any borrowing decision, you should:

• Read the lender's full loan agreement and rate disclosures
• Calculate the total cost of borrowing using your own numbers
• Consult a qualified financial advisor about your specific situation
• Consider lower-cost alternatives such as credit unions, employer advances, or nonprofit lenders

You are solely responsible for the financial decisions you make. We disclaim any liability for outcomes resulting from reliance on Site content.

5. We Are Not a Lender

RiseCreditApp.com does not lend money, extend credit, or guarantee loan approval. When you submit our inquiry form, your information is transmitted to APIdiamond.com and forwarded to participating lenders. Each lender independently decides whether to extend credit and on what terms.

Approval, interest rates, fees, repayment schedules, and other loan details are determined entirely by the lender — not by us. Lenders may perform credit checks (soft or hard), verify income, and request additional documentation as part of their underwriting process.

6. Eligibility & Accurate Information

To use the loan inquiry form, you represent and warrant that:

• You are at least 18 years old and a US citizen or permanent resident
• You have legal capacity to enter into binding contracts
• All information you submit is true, accurate, current, and complete
• You are submitting the inquiry on your own behalf, not on behalf of another person
• You agree to be contacted by partner lenders by phone, email, or text message regarding your application

Providing false information may result in denial of credit, fraud investigation, and potential criminal prosecution.

7. Intellectual Property

All content on RiseCreditApp.com — including text, graphics, logos, images, layouts, code, and editorial scoring methodology — is the property of RiseCreditApp.com or its content licensors, and is protected by US and international copyright, trademark, and other intellectual property laws.

You may view, download, and print Site content for your personal, non-commercial use only. You may not:

• Republish or redistribute our content on other websites or in printed materials
• Use our content to train AI models or build derivative datasets
• Remove copyright notices, watermarks, or attribution
• Frame our pages within another site without written permission

"Rise Credit" is a trademark of Elevate Credit, Inc. We use the name only for editorial review purposes under nominative fair use. Use of the trademark does not imply endorsement.

8. Prohibited Conduct

You agree not to use this Site for any unlawful purpose or in any way that could damage the Site, our partners, or other users. Prohibited conduct includes (but is not limited to):

• Automated scraping, harvesting, or crawling of Site content
• Submitting false or fraudulent loan applications
• Attempting to circumvent any security or access-control measure
• Uploading viruses, malware, or other harmful code
• Impersonating any person or misrepresenting your affiliation
• Harassing other users, lenders, or our editorial team
• Reverse-engineering our scoring algorithms or editorial process

Violations may result in immediate termination of access, reporting to law enforcement, and civil legal action.

9. Disclaimers & Limitation of Liability

9.1 No Warranties

THE SITE IS PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. We do not warrant that the Site will be uninterrupted, error-free, secure, or free of viruses.

9.2 Accuracy of Information

Loan rates, terms, state availability, and lender policies change frequently. While we work to keep our content current, we cannot guarantee that every detail on the Site reflects the latest information from each lender. Always verify final loan terms directly with the lender before signing any agreement.

9.3 Limitation of Liability

TO THE FULLEST EXTENT PERMITTED BY LAW, RISECREDITAPP.COM AND ITS OPERATORS WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL, OR PUNITIVE DAMAGES — INCLUDING LOST PROFITS, LOST DATA, OR BUSINESS INTERRUPTION — ARISING FROM YOUR USE OF THE SITE, EVEN IF WE WERE ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

Our total liability for any claim relating to the Site is limited to the greater of $100 or the amount you paid us in the past 12 months (which is typically zero, since the Site is free to use).

10. Indemnification

You agree to indemnify, defend, and hold harmless RiseCreditApp.com, its operators, affiliates, and content licensors from any claim, demand, or damages — including reasonable attorneys' fees — arising from your breach of these Terms, your misuse of the Site, or your violation of any law or third-party right.

11. Third-Party Links & Services

The Site contains links to lender websites, news sources, and other third-party resources. These links are provided for your convenience. We do not control, endorse, or assume responsibility for the content, privacy practices, or services of any third party. Visiting linked sites is at your own risk.

12. Modifications to Terms

We may revise these Terms at any time by posting an updated version on this page. Material changes will be flagged with a notice on our homepage for at least 30 days. Continued use of the Site after changes take effect constitutes your acceptance of the new Terms.

13. Governing Law & Disputes

These Terms are governed by the laws of the State of Delaware, USA, without regard to its conflict-of-laws principles. Any dispute arising from these Terms or the Site shall be resolved through binding arbitration administered by the American Arbitration Association under its Consumer Arbitration Rules, except that either party may seek injunctive relief in court to protect intellectual property rights.

You agree to waive any right to a jury trial or to participate in a class action against us.

14. Contact Us

Questions about these Terms? Please contact:

By using RiseCreditApp.com, you acknowledge that you have read, understood, and agreed to these Terms of Service.