Terms and Conditions | Title Loans Union

Welcome to Title Loans Union ("we," "our," or "us"). Please read these Terms and Conditions ("Terms") carefully before using our website or submitting information through our informational, referral, and loan-matching platform. By accessing or using this website, you agree to be legally bound by these Terms. If you do not agree to these Terms, you must immediately cease using the website.

1. Loan Matching and Referral Service

Title Loans Union is not a lender, does not broker loans, and does not make credit decisions or lock in loan interest rates.

Our website provides educational material, calculators, and a secure referral/matching service. When you submit an inquiry form on this site, we act as a lead generator, securely transmitting your information to licensed participating lenders or third-party lender networks.

Important Disclosure: We do not guarantee that any lender in our network will make an offer to you, or that any offer made will contain specific rates, terms, or conditions. Lenders have full and independent discretion over underwriting standards and interest rates.

2. Intellectual Property & Educational Materials

All guides, dynamic calculation formulas, state regulatory breakdowns, graphics, code, and logos on this website are protected under United States and international copyright, trademark, and intellectual property laws.

You are permitted to view and print individual pages for your personal, non-commercial educational use. You are strictly prohibited from copying, scraped republishing, or commercially exploiting any part of our platform without explicit written permission.

3. Credit Review and Bureau Disclosures

By submitting an inquiry on our matching system, you understand that participating lenders or network partners may verify your information, check your social security number, and perform consumer report inquiries (which may include a soft or hard credit pull from bureaus such as Experian, Equifax, TransUnion, or specialized subprime bureaus) to evaluate your profile. We do not personally pull consumer credit files, nor do we charge you any fee for using our referral system.

4. Telephone Consumer Protection Act (TCPA) Consent & E-Sign Disclosure

By submitting your name, email, and phone number, you provide your express written consent and electronic signature to be matched with lenders and receive communications from us and partners.

Authorized Communication: You agree that we and participating lenders may contact you via telephone call, text message, SMS, MMS, or email at any phone number or address you supply.
Advanced Technologies: You grant consent for us or partners to deploy autodialed systems, artificial voices, or pre-recorded messages for notification, verification, and promotional follow-ups.
E-Sign Consent: You consent to receive all statutory disclosures, notifications, and transaction confirmations electronically. Consenting is voluntary and is not a prerequisite to purchasing any product or checking your initial eligibility.

5. Disclaimer of Warranties

THIS WEBSITE AND THE REFERRAL SERVICE ARE PROVIDED ON AN "AS-IS" AND "AS-AVAILABLE" BASIS. WE DISCLAIM ALL WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, FREEDOM FROM COMPUTER VIRUSES, OR NON-INFRINGEMENT. WE DO NOT WARRANT THE ACCURACY OF STATE RULES, THE FEASIBILITY OF INTERACTIVE CALCULATIONS, OR THE INTEGRITY OF EXTERNAL SITES LINKED.

6. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, IN NO EVENT SHALL TITLE LOANS UNION, ITS DIRECTORS, EMPLOYEES, OR SUCCESSORS BE LIABLE FOR ANY INDIRECT, SPECIAL, INCIDENTAL, CONSEQUENTIAL, SPECIAL, OR PUNITIVE DAMAGES, OR LOSS OF PROFIT, DATA, OR USE, ARISING FROM YOUR USE OF THIS PORTAL, TRANSITIONS TO THIRD-PARTY LENDER PLATFORMS, OR ACTIONS TAKEN BY INDEPENDENT LENDERS WHO EXECUTED OFFERS.

7. Binding Arbitration and Class-Action Waiver

PLEASE READ THIS SECTION CAREFULLY. IT AFFECTS YOUR LEGAL RIGHTS.

Agreement to Arbitrate: Any dispute, controversy, or claim arising out of or relating to your use of this website, our referral matching process, or these Terms shall be settled by binding arbitration administered by the American Arbitration Association (AAA) in accordance with its Consumer Arbitration Rules.

Class Action Waiver: Arbitration shall proceed solely on an individual basis. You and Title Loans Union agree that each may bring claims against the other only in an individual capacity, and not as a plaintiff or class member in any purported class, collective, or representative proceeding.

8. Governing Law and Jurisdiction

These Terms and your use of this website are governed by and construed in accordance with the laws of the United States of America, without regard to conflict of law principles. Any legal suit, action, or proceeding not subject to the arbitration clause above shall be instituted exclusively in the federal or state courts.

9. Contact Us

If you have any questions or require legal clarifications regarding these Terms and Conditions, please reach out to us:

Email: support@titleloansunion.com