Terms of Use

Last updated: [03/27/2026]

These Terms of Use (“Terms”) govern your access to and use of pendingfunds.com and any content, features, or services offered on or through the website (collectively, the “Services”). By accessing or using the Services, you agree to be bound by these Terms. If you do not agree, do not use the Services.

1. Eligibility and use of the Site

You must be at least 18 years old (or the age of majority in your jurisdiction) to use the Site.
You agree to use the Site only for lawful purposes and in accordance with these Terms.
You are responsible for your internet connection, equipment, and any fees required to access the Site.

We may modify, suspend, or discontinue any part of the Services at any time without notice.

2. Informational nature; no financial or legal advice

PendingFunds.com provides general information about personal finance, money topics, and financial products offered by third parties.

Content on the Site is for informational and educational purposes only.
We are not a bank, lender, broker, financial advisor, or fiduciary.
Nothing on the Site constitutes financial, investment, legal, tax, or other professional advice.

You should consult a qualified professional before making decisions about financial products, investments, or legal issues.

3. Affiliate relationships and compensation

PendingFunds.com participates in affiliate programs and may receive compensation when you click links or apply for products (such as credit cards, loans, savings accounts, or other financial services) through the Site.

Compensation may affect how some offers are presented or ordered, but it does not change our commitment to provide fair and balanced information.
We do not guarantee approval, rates, fees, or terms for any product; those are determined solely by the third‑party provider.
Your relationship with any financial institution or provider you access via our links is solely between you and that provider.

You acknowledge that affiliate tracking technologies may be used in connection with such offers.

4. No endorsement or guarantee of third‑party products

The Site may reference or link to products, services, or websites of third‑party financial institutions and other partners.

We do not control and are not responsible for any third‑party sites, content, or offers.
Inclusion of a product or link does not constitute an endorsement or recommendation.
You are responsible for reviewing all terms, rates, fees, eligibility criteria, and disclosures on the provider’s site before applying or signing up.

5. Intellectual property

Except where otherwise noted, all text, graphics, logos, icons, and other content on the Site are owned by or licensed to us and are protected by applicable intellectual property laws.

You may access and use the Site content for your personal, non‑commercial use.
You may not reproduce, distribute, modify, publicly display, or create derivative works from the Site content without our prior written consent, except as permitted by law (e.g., fair use).

Third‑party trademarks and logos appearing on the Site are the property of their respective owners.

6. User content (if applicable)

If the Site allows you to submit comments, reviews, or other content (“User Content”):

You are solely responsible for your User Content and the consequences of submitting it.
You represent that you have all necessary rights to your User Content, and that it does not infringe any third‑party rights or violate any law.
By submitting User Content, you grant us a non‑exclusive, worldwide, royalty‑free license to use, reproduce, display, and distribute your User Content in connection with the Site and our business.

We may, but are not obligated to, monitor, edit, or remove User Content at our discretion.

7. Prohibited activities

You agree not to:

Use the Site in any manner that violates any applicable law or regulation.
Attempt to gain unauthorized access to, interfere with, or damage any part of the Site, its servers, or networks.
Use automated means (such as bots, scrapers, or crawlers) to access the Site in a way that could burden or disrupt our systems.
Impersonate any person or entity, or misrepresent your affiliation with any person or entity.
Post or transmit any content that is unlawful, fraudulent, defamatory, harmful, or otherwise objectionable.

8. Third‑party links and services

The Site may contain links to third‑party websites, tools, or resources.

These links are provided for your convenience only.
We have no control over the content or policies of third‑party sites and accept no responsibility for them.
Your use of third‑party sites is at your own risk and subject to their terms of use and privacy policies.

9. Disclaimer of warranties

To the fullest extent permitted by law, the Site and Services are provided “as is” and “as available,” without warranties of any kind, express or implied.

We do not warrant that:

The Site will be uninterrupted, secure, or error‑free.
Any information provided is complete, accurate, or up‑to‑date.
Any defects will be corrected.

You use the Site at your own risk.

10. Limitation of liability

To the fullest extent permitted by law, we will not be liable for any indirect, incidental, consequential, special, or punitive damages arising out of or related to your use of, or inability to use, the Site or Services, including financial losses, lost profits, or lost data.

To the extent permitted by law, our total aggregate liability to you for any claim relating to the Site or these Terms will not exceed the amount you paid (if any) to use the Site during the six (6) months before the claim arose.

Some jurisdictions do not allow certain limitations, so parts of this section may not apply to you.

11. Indemnification

You agree to indemnify, defend, and hold harmless PendingFunds.com, its owners, affiliates, and service providers from and against any claims, liabilities, damages, losses, and expenses (including reasonable attorneys’ fees) arising out of or related to:

Your use of the Site or Services.
Your violation of these Terms.
Your violation of any rights of another person or entity.

12. Changes to these Terms

We may revise these Terms from time to time. When we do, we will update the “Last updated” date at the top of this page.

Your continued use of the Site after any changes are posted constitutes your acceptance of the revised Terms. If you do not agree to the changes, you must stop using the Site.

13. Governing law and dispute resolution

These Terms are governed by the laws of [Your State/Province and Country], without regard to conflict‑of‑law principles.

Any disputes arising out of or relating to these Terms or the Site will be resolved exclusively in the courts located in [Your Location], and you consent to the jurisdiction of such courts.