TERMS & CONDITIONS — NOBLE LENDING
These Terms & Conditions (“Terms”) govern your access to and use of the websites, forms, and communications offered by Noble Lending (“Noble Lending,” “we,” “us,” or “our”). By using our site or submitting a form, you agree to these Terms.
WEBSITE USE
The content on this site is for general informational and marketing purposes only. Any loan, line of credit, or related product is offered and governed solely by the applicable written agreement(s) you receive and execute (including disclosures on your Truth in Lending Act documents, rate and fee schedules, and any promissory notes). Product eligibility, pricing, terms, and conditions are determined by the final agreement(s), not by website summaries.
NO FINANCIAL OR LEGAL ADVICE; AVAILABILITY
Information on this site does not constitute financial, legal, tax, or investment advice. Products and features may not be available in all states or for all applicants. Eligibility may vary based on credit profile, income, verification outcomes, state law, product type, and other factors. We may discontinue or modify products at any time.
APPLICATIONS, VERIFICATION & PRE-APPROVAL
Submitting an inquiry or application authorizes us and our service providers to verify information you provide (which may include obtaining consumer reports, verifying employment/income, and reviewing bank or alternative data where permitted by law). Any pre-qualification or pre-approval we provide is conditional and subject to additional verification and underwriting. Final approval, rates, and terms are provided only in your definitive loan documents.
COMMUNICATIONS; SMS/TCPA CONSENT; E-SIGN
By requesting information, creating an account, or submitting an application, you consent to receive communications about your inquiry or account via email, phone, and SMS (including autodialed or prerecorded messages) to the number(s) you provide. Message frequency varies. Message and data rates may apply. Text HELP for help, STOP to cancel. You agree that electronic records and signatures (E-SIGN) are valid and enforceable to the extent permitted by law, and you consent to transact electronically and receive required notices electronically unless you withdraw consent as permitted by our E-SIGN disclosures.
MARKETING DISCLOSURES
We aim to present product information accurately. Statements about potential savings, approval likelihood, or benefits are illustrative and not guarantees. Any specific terms—including APRs, fees, payment amounts, due dates, and late charges—are controlled solely by your final agreement(s) and applicable law.
PAYMENTS, FEES, CANCELLATIONS & REFUNDS
Payment schedules, fees, and any right to rescind are governed by your final agreement(s) and state/federal law. If you authorize ACH or card payments, you agree we may initiate transactions as permitted by your authorization. If a third-party billing or payment platform is used, its terms will also apply. Except as required by law or your contract, payments and fees are generally non-refundable.
INTELLECTUAL PROPERTY
All site content, designs, trademarks, and logos are owned by Noble Lending or its licensors and are protected by law. You may not copy, modify, publicly display, distribute, or create derivative works without our prior written consent.
ACCEPTABLE USE
You agree not to misuse the site or services, attempt to gain unauthorized access, interfere with operation, introduce malicious code, or submit unlawful, misleading, or infringing information. You agree to use accurate information and to comply with all applicable laws.
THIRD-PARTY LINKS & TOOLS
Our site may link to third-party websites or tools (e.g., analytics, application processors, verification services, payment platforms). We are not responsible for third-party content, security, or practices. Review their terms and privacy policies before use.
DISCLAIMERS; LIMITATION OF LIABILITY
The site and its content are provided “as is” and “as available.” To the fullest extent permitted by law, we disclaim all warranties, express or implied, including merchantability, fitness for a particular purpose, and non-infringement. We are not liable for indirect, incidental, special, consequential, punitive, or exemplary damages, or lost profits, arising from your use of the site or inability to access it. Your exclusive remedy is to stop using the site.
DISPUTE RESOLUTION; ARBITRATION; GOVERNING LAW
Except where prohibited, disputes arising out of or related to these Terms or the site will be resolved by binding individual arbitration (rather than in court) before a recognized arbitration administrator and under its rules. You waive any right to participate in a class action or class-wide arbitration. These Terms are governed by the laws of the state where Noble Lending’s principal office is located, without regard to conflicts of law. Nothing here limits any rights or remedies you may have under applicable consumer protection laws.
CHANGES TO THESE TERMS
We may update these Terms from time to time. Changes are effective when posted on the site. Your continued use of the site after changes means
you accept the updated Terms.
CONTACT
Questions about these Terms or your communications preferences? Contact Noble Lending at:
• Phone: 888-718-6276
• Email: legal@noblelen.com
• Mailing Address: 5 Hutton Centre Dr., Santa Ana, CA 92707