Lending For Beginners
Analyze My Loan

Terms of service

Version 2026-11-draft.

DRAFT — pending review by qualified counsel. These terms are not final. In particular, the lifetime-access, refund, product-continuity and partner provisions require legal review before any sale. Not in effect: registration, accounts and purchasing are not open yet.

1. What the service is

Lending For Beginners is educational decision-support software for comparing loan offers you provide. It is not financial, legal, tax or credit advice tailored to you. We are not a lender, broker or loan originator and do not arrange, negotiate or approve loans. Results depend on the information you enter and on documented assumptions.

2. No guarantees about loans

We do not guarantee approval, rates, terms or that any offer is competitive in the market. Credit scores you enter are self-reported and are not used to predict lender pricing or approval.

3. Household license

  • A one-time introductory fee (currently $250 USD; the amount charged is the one shown at checkout) grants a non-transferable license for one household of up to six members to use the purchased software tier. There is no subscription or renewal fee. A later price change does not affect licenses already purchased.
  • “Lifetime” means for as long as we operate the service. If we discontinue the service, we intend to provide advance notice and data export; final continuity commitments are under legal review.
  • Third-party integrations, if offered, may change or end and are not guaranteed for the lifetime of the license.
  • Licenses are activated only after verified payment. Refunds, chargebacks and disputes may suspend or revoke a license.
  • Refund policy: a final refund policy has not been published yet and is pending legal review. Contact us before purchasing if you have questions.

4. Institution-provided licenses

A bank or credit union may provide you an activation code. The institution cannot see your financial data or decisions without your separate, explicit authorization and cannot influence rankings.

5. Your responsibilities

  • Keep your sign-in secure. Do not upload others’ information without permission. Do not enter Social Security numbers.
  • Do not misuse, resell or attempt to circumvent household limits or security.

6. Liability

Limitation-of-liability and dispute-resolution provisions are pending legal review.