Terms of Service

1. Acceptance of these terms

By accessing or using the Everstead Financial platform (the "Service"), you agree to be bound by these Terms of Service. If you do not agree, do not use the Service.

These terms apply to your use of our website, your account, any application you submit, and any loan you receive from us.

2. Eligibility

To use the Service you must be at least 18 years old and a resident of the United States or its territories. You must provide accurate, complete, and current information.

You are responsible for maintaining the confidentiality of your account credentials and for all activity that occurs under your account.

3. Your account

You agree to provide truthful, accurate, and complete information in your account and in any application you submit. Providing false information may result in denial of your application, closure of your account, and possible legal action.

We may suspend or close your account if we believe these terms have been violated or if we are required to do so by law.

4. Loan applications

Submitting an application does not guarantee approval or funding. All applications are subject to review, verification, and our underwriting criteria.

If your application is approved, we will send you a written offer containing your approved amount, rate, term, fees, and total cost of borrowing. You are not obligated to accept an offer. You may decline at any time before acceptance.

5. Electronic communications and signatures

By using the Service, you consent to receive communications from us electronically, including disclosures, notices, and other records. You agree that electronic records and signatures have the same legal effect as written ones, consistent with the Electronic Signatures in Global and National Commerce Act (ESIGN) and applicable state law.

You may withdraw your consent to electronic communications at any time by contacting support. Withdrawing consent may affect your ability to use certain parts of the Service or to complete a loan.

6. Disclaimers

The Service is provided on an "as is" and "as available" basis. We do not warrant that the Service will be uninterrupted, error-free, or free from harmful components.

Estimates provided by our calculator are illustrative only. Actual rates, fees, and terms are only those set forth in a written offer you receive from us.

We are not a bank and do not provide financial, legal, tax, or investment advice.

7. Limitation of liability

To the maximum extent permitted by law, Everstead Financial and its officers, employees, and agents will not be liable for indirect, incidental, special, consequential, or punitive damages arising from your use of the Service.

Nothing in these terms limits any liability that cannot be limited under applicable law, including liabilities arising under consumer protection statutes.

8. Dispute resolution

Please contact us first at support@eversteadloans.online for any concern regarding the Service. We will try to resolve any dispute informally.

If a dispute cannot be resolved informally, [final arbitration language and class-action waiver to be finalized by legal counsel based on your business model and state of operation].

9. Governing law

These terms are governed by the laws of the State of [STATE], without regard to conflict-of-laws principles. [State-specific consumer protections to be reviewed by counsel.]

10. Termination

You may stop using the Service at any time. We may suspend or terminate your access to the Service if you violate these terms or if we are required to by law.

Obligations that by their nature should survive termination — including obligations related to your active loans, indemnification, and limitation of liability — will survive.

11. Changes to these terms

We may update these terms from time to time. Material changes will be notified through the platform or by email. Continued use of the Service after changes means you accept the updated terms.

12. Contact

Questions about these terms? Contact us at support@eversteadloans.online, or write to Everstead Financial LLC, 1000 N West St, Suite 1200, Wilmington, DE 19801.