Terms & Conditions

1. Company Information

TrueFreedom Financial ("Company," "we," "us," or "our") is a financial services company operating at truefreedomaz.com. We connect consumers with personal loan options and financial solutions. For questions, contact us at info@truefreedomfinancial.com.

2. Acceptance of Terms

By using our website, submitting a loan application, or communicating with us through any channel including telephone, SMS text messaging, email, or online forms, you acknowledge that you have read, understood, and agree to be bound by these Terms and Conditions and our Privacy Policy.

These Terms apply to all visitors, users, and applicants. We reserve the right to update these Terms at any time. Your continued use of our services after any changes constitutes your acceptance of the revised Terms.

3. Eligibility Requirements

To use our services and submit a loan application, you must:

• Be at least 18 years of age
• Be a United States citizen or permanent legal resident
• Have a valid Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN)
• Have a verifiable, lawful source of income
• Have an active U.S. bank account in your name
• Provide accurate and truthful information in your application

4. Loan Applications & No Guarantee of Approval

Submitting a loan application through TrueFreedom Financial does not guarantee loan approval. All applications are subject to underwriting review, credit evaluation, income verification, and approval at our sole discretion or the discretion of our lending partners.

Loan approval, amounts, interest rates, and terms are based on creditworthiness, income, debt-to-income ratio, and other qualifying factors. Final loan terms will be disclosed in a written loan agreement prior to funding. You are not obligated to accept any loan offer.

5. SMS / Text Messaging Consent (TCPA)

Message Details

• Message frequency: Message frequency varies. You may receive up to 5 messages per week regarding your application status, loan offers, and account updates.
• Message and data rates may apply depending on your carrier and plan.
• To opt out: Reply STOP to any SMS message at any time to unsubscribe. You will receive a confirmation message and no further messages will be sent.
• For help: Reply HELP to any message or contact us at info@truefreedomfinancial.com.
• Opting out of SMS does not affect your loan application status.

This consent is provided in accordance with the Telephone Consumer Protection Act (TCPA), 47 U.S.C. § 227, and applicable FCC regulations. You may revoke consent at any time without affecting the legality of any processing done prior to revocation.

6. Telephone Communications Consent

By providing your telephone number, you consent to be contacted by TrueFreedom Financial by phone, including automated telephone dialing systems and/or artificial or pre-recorded voice messages, for purposes related to your loan application and account. Standard call rates apply. You may opt out of phone communications by contacting us directly.

7. Electronic Communications Consent (E-SIGN)

By using our website and submitting your application electronically, you consent to receive all communications, agreements, notices, and disclosures electronically. You confirm that you have the ability to access and retain electronic records. You may withdraw consent to electronic communications by contacting us, though withdrawal may affect your ability to use our services.

8. Interest Rates, Fees & Loan Terms

Interest rates are not fixed and vary based on your individual credit profile, loan amount, and repayment term. Representative APR ranges will be disclosed at the time of your offer. All fees, including origination fees if applicable, will be fully disclosed in your loan agreement before you accept.

• There are no prepayment penalties — you may pay off your loan early at no additional cost
• Late payment fees may apply as disclosed in your loan agreement
• All loan terms are governed by your individual loan agreement

9. Credit Authorization

By submitting a loan application, you authorize TrueFreedom Financial and/or its lending partners to obtain your credit report and credit score from one or more consumer reporting agencies, as permitted under the Fair Credit Reporting Act (FCRA), 15 U.S.C. § 1681 et seq. This may include both soft and hard credit inquiries depending on the stage of your application.

10. Accuracy of Information

You represent and warrant that all information you provide to TrueFreedom Financial is true, accurate, current, and complete. Providing false, fraudulent, or misleading information may result in immediate denial of your application, termination of services, and may constitute fraud subject to civil and criminal penalties under applicable federal and state law.

11. Not a Lender Disclaimer

TrueFreedom Financial may act as a loan broker or financial services connector. We may connect applicants with third-party lenders or financial institutions. We are not responsible for the terms, conditions, actions, or omissions of any third-party lender. Your loan agreement will be between you and the funding lender directly.

12. Intellectual Property

All content on this website including but not limited to text, graphics, logos, images, and software is the exclusive property of TrueFreedom Financial and is protected by United States and international intellectual property laws. Unauthorized reproduction, distribution, or use is strictly prohibited.

13. Disclaimer of Warranties

OUR SERVICES ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTY OF ANY KIND, EXPRESS OR IMPLIED. WE DO NOT WARRANT THAT OUR WEBSITE WILL BE UNINTERRUPTED, ERROR-FREE, OR FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS.

14. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, TRUEFREEDOM FINANCIAL SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING OUT OF OR RELATED TO YOUR USE OF OUR SERVICES, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. OUR TOTAL LIABILITY SHALL NOT EXCEED THE AMOUNT OF FEES PAID BY YOU TO US IN THE THREE MONTHS PRECEDING THE CLAIM.

15. Indemnification

You agree to indemnify, defend, and hold harmless TrueFreedom Financial and its officers, directors, employees, agents, and partners from and against any claims, liabilities, damages, losses, and expenses (including reasonable attorneys' fees) arising out of or in any way connected with your use of our services or violation of these Terms.

16. Governing Law & Dispute Resolution

These Terms shall be governed by and construed in accordance with the laws of the State of Arizona, without regard to its conflict of law provisions. Any disputes arising under these Terms shall first be attempted to be resolved through good faith negotiation. If unresolved, disputes shall be submitted to binding arbitration in Maricopa County, Arizona, in accordance with the American Arbitration Association rules.

17. Class Action Waiver

YOU AGREE THAT ANY DISPUTE RESOLUTION PROCEEDINGS WILL BE CONDUCTED ONLY ON AN INDIVIDUAL BASIS AND NOT IN A CLASS, CONSOLIDATED, OR REPRESENTATIVE ACTION. You waive any right to participate in a class action lawsuit or class-wide arbitration.

18. Compliance with Laws

TrueFreedom Financial operates in compliance with applicable federal and state laws including but not limited to the Truth in Lending Act (TILA), Equal Credit Opportunity Act (ECOA), Fair Credit Reporting Act (FCRA), Gramm-Leach-Bliley Act (GLBA), Telephone Consumer Protection Act (TCPA), and CAN-SPAM Act.

19. Changes to These Terms

We reserve the right to modify these Terms at any time. We will post the updated Terms on this page with a new effective date. Your continued use of our services following any changes constitutes your acceptance of the new Terms.

20. Contact Information

If you have questions about these Terms and Conditions, please contact us:

• Email: info@truefreedomfinancial.com
• Website: truefreedomaz.com
• Mailing Address: TrueFreedom Financial, Arizona, United States