Marketing Practices

Welcome to columbiaadventistacademy.com. This Advertiser Disclosure explains how our Service works, how we are compensated, how we share information, and how marketing claims used in ads or on this Site should be understood.

Capitalized terms used but not defined here are defined in our Terms of Service.

KEY DISCLOSURES (PLEASE READ)

• WE ARE NOT A LENDER, CREDITOR, OR FINANCIAL INSTITUTION.
• WE DO NOT MAKE CREDIT DECISIONS, PROVIDE LOANS, OR GUARANTEE LOAN APPROVALS.
• ALL CREDIT AND LOAN DECISIONS ARE MADE EXCLUSIVELY BY THE LENDERS WITH WHOM YOU ARE CONNECTED.
• SUBMITTING A REQUEST THROUGH THIS WEBSITE DOES NOT GUARANTEE LOAN APPROVAL, FUNDING, OR SPECIFIC TERMS.
• BY SUBMITTING YOUR INFORMATION THROUGH OUR SITE YOU ARE MAKING AN INQUIRY TO BE CONNECTED WITH OUR MARKETING PARTNERS. YOU ARE NOT APPLYING FOR A LOAN OR CREDIT PRODUCT WITH US.
• LOAN TERMS, RATES, AND CONDITIONS MAY DIFFER FROM YOUR INITIAL PREFERENCES, AND WE DO NOT KNOW WHAT TERMS WILL BE OFFERED TO YOU.
• WE MAY RECEIVE COMPENSATION FROM MARKETING PARTNERS WHEN YOU SUBMIT A REQUEST, ARE CONNECTED, OR ENGAGE WITH PARTNER OFFERS.
• WE AND LENDERS MAY CONTACT YOU BY PHONE, SMS, AND/OR EMAIL, EVEN IF YOU DO NOT ACCEPT A LOAN OFFER.
• WE DO NOT PERFORM HARD CREDIT CHECKS, BUT LENDERS MAY PERFORM CREDIT CHECKS (INCLUDING HARD INQUIRIES) THAT CAN IMPACT YOUR CREDIT SCORE.
• FUNDING TIMES VARY AND DEPEND ON THE LENDER AND YOUR BANK.
• OUR SERVICE DOES NOT INCLUDE ALL LENDERS OR FINANCIAL PRODUCTS AVAILABLE IN THE MARKET.
• YOU ARE RESPONSIBLE FOR CHECKING LOAN TERMS: CAREFULLY REVIEW AND COMPARE LOAN OFFERS FROM MULTIPLE LENDERS BEFORE MAKING ANY FINANCIAL COMMITMENTS.

AD OFFER DISCLOSURE (HOW TO INTERPRET AD CLAIMS)

"No hard credit check", "No impact on credit score", and similar language refers to the initial inquiry on this site; lenders may perform a credit check, including a hard inquiry, before or after making an offer, based on their policies.

"All credit scores welcome", "We accept and consider all credit types", and similar language means we accept requests from users regardless of credit history. Lender decisions are made independently based on their criteria, which may include factors beyond credit score (such as income, employment, and repayment ability). Approval is not guaranteed, and lender eligibility criteria vary.

"Instant," "fast," "paid in minutes," "same day," "tomorrow", and similar language reflect the potential speed of lender decisions and/or funding in select cases, not a guaranteed outcome for all users.

"From $200 to $5,000," "up to $5,000", and similar statements refer to the typical range of amounts that may be available from participating lenders. Actual amounts, APR, terms, and repayment schedules vary by lender and your qualifications, and are not guaranteed. Not all lenders can offer you amounts up to $5,000.

"APR from 4.95%", and similar statements means some lenders may offer rates starting at that level. Stated APR examples are illustrative only; the lowest advertised APR may be available only to well-qualified applicants and for certain products/terms. Your offered APR (if any) depends on lender criteria and your qualifications.

"No paperwork", and similar language refers to the online nature of our initial request process. Lenders may request documentation as part of their underwriting, verification, or compliance procedures.

"Flexible repayment," "custom payment options," "easy repayment plans," and similar statements refer to potential loan structures offered by lenders. You should review lender terms carefully before accepting any offer.

"No hidden fees", and similar statements refer to our Service being free to submit a request and to the requirement that lenders disclose applicable fees and costs in their offer documentation before you accept. Lenders may charge interest and fees according to their terms and applicable law.

"Apply 24/7," "quick application," and "easy steps", and similar language refer to the availability of our request form and the general user experience. Completion time and user experience may vary.

"Secure" and "your information is safe", and similar language refer to our use of standard encryption and data protection practices. However, we do not control the data handling policies of Marketing Partners.

WHO WE ARE AND HOW OUR SERVICE WORKS

We operate an advertising-supported, lead generation Service that helps consumers connect with multiple lenders and third-party marketers (collectively, "Marketing Partners").

We provide a free-to-use request form and related tools to collect information you provide, and route your request to Marketing Partners in our network who may present offers or services.

We are not a lender, creditor, or financial institution.

We do not make credit decisions, provide loans, or guarantee loan approvals.

If you do not want your information shared with third parties for the purpose of receiving marketing communications about credit-related products or services, you should not use our Service.

COMPENSATION AND PRIORITIZATION

We may be compensated by Marketing Partners for lead generation, marketing, and/or referrals. Compensation may vary by partner and by the type of engagement.

If multiple partners are willing to consider your request, our system may prioritize routing based on a variety of factors, including compensation.

We may receive compensation from Marketing Partners when you submit a request, are connected, or engage with partner offers.

WHAT HAPPENS WHEN YOU SUBMIT A REQUEST

When you submit a request on our Site, we may share your information with Marketing Partners to identify potential offers.

By submitting your information through our platform, you are making an inquiry to be connected with our Marketing Partners. You are not applying for a loan or credit product with us. Our service does not include all lenders or financial products available in the market.

If no partner expresses interest initially, we may route or re-route your request through additional partners or networks to increase the chance of identifying potential offers.

CREDIT CHECKS AND CREDIT SCORE IMPACT

We do not perform hard credit checks. Submitting a request through our platform typically results in a soft inquiry, which does not affect your credit score.

Lenders may perform a credit check to evaluate your application. This may involve a hard inquiry with one or more major credit bureaus (TransUnion, Experian, or Equifax) and could impact your credit score.

LOAN TERMS, RESPONSIBILITY, AND IMPORTANT LENDER NOTES

We do not guarantee loan approval, the best terms, or specific loan conditions. We do not provide financial, credit, or legal advice. You are responsible for evaluating any offer and deciding whether it is appropriate for you.

All credit and loan decisions are made exclusively by the lenders with whom you are connected. Loan terms, rates, and conditions may differ from your initial preferences, and we do not know what terms will be offered to you.

A participating lender may review information such as income, employment, credit history, bank account details, and other factors they require. Not all users qualify, and not all users qualify for the full amount requested.

Tribal and Offshore Lenders

Some lenders available through extended networks may operate under tribal or offshore jurisdictions and may not comply with state lending laws. These lenders may charge higher rates and offer terms that differ significantly from traditional lenders. You should carefully review and compare offers before making any financial commitment.

Funding Timing

If approved by a lender, funds may be deposited as soon as the same business day.

Funding time varies and depends on the lender, your bank's processing policies, having an existing account, and/or having an existing debit card issued by the lender.

Funding may take longer due to bank processing times, weekends/holidays, verification steps, or lender policies.

PARTNER CONTACT AND MARKETING COMMUNICATIONS

By using our Service, you provide your express written consent to receive from us and the Marketing Partners: (i) marketing emails (you can unsubscribe at any time); and (ii) SMS messages and telephone calls (including autodialed and artificial or prerecorded voice) at the phone number you provided, even if it appears on a federal, state, or corporate Do Not Call list. Message frequency varies. Message and data rates may apply. You may revoke consent at any time by replying STOP to 434-329-7132 or any message; reply HELP for help. Additionally you may use the unsubscribe link at the bottom of the website. You acknowledge that consent is not required to obtain a loan.

You may be contacted by more than one partner and may receive multiple marketing communications as a result of submitting a single request.

OTHER FINANCIAL SERVICES AND ADVERTISING

If we cannot connect you with a loan offer, we may:

• present or redirect you to related financial services (e.g., debt relief, credit repair, credit monitoring);
• show customized advertisements based on information you provided;
• request a consumer report (with your consent) to evaluate eligibility for certain services.

If you click on third-party ads or complete surveys, we may share your contact information with the advertiser so they can contact you directly.

Engaging with these ads or services is not a condition to receive any loan-related services or approval.

PRIVACY AND SECURITY

We handle your information in accordance with applicable privacy laws and our Privacy Policy. We may use standard security measures such as encryption to protect data transmitted through our Site.

However, we do not control the privacy or security practices of Marketing Partners. You should review their privacy policies independently.

CONTACT US

If you have questions about this Advertiser Disclosure, contact us at:
[email protected]