Terms of Use

Effective Date: March 17, 2026  |  Last Reviewed: March 20, 2026

These Terms of Use (“Terms”) govern your access to and use of NexaLoan (loan12.com), including all pages, tools, calculators, and educational content published on this website (collectively, the “Site”). By accessing or using the Site, you agree to be bound by these Terms. If you do not agree, please do not use the Site.

About NexaLoan

NexaLoan is an independently operated educational publishing website focused on U.S. personal loans, debt consolidation, emergency borrowing, and credit-related topics. NexaLoan is not a lender, loan broker, bank, credit union, financial advisor, or credit repair organization. We do not originate, fund, service, or guarantee any loan or financial product.

Our content is designed to help consumers understand their borrowing options, compare common loan features, and make more informed financial decisions. Any lender names, rates, or product details mentioned on the Site are for informational purposes only and do not constitute an offer or solicitation.

Educational Use Only — No Professional Advice

All content on NexaLoan is published for general educational and informational purposes only. Nothing on this Site should be construed as:

• Legal advice or a substitute for consultation with a licensed attorney
• Tax advice or a substitute for consultation with a qualified tax professional
• Investment or securities advice regulated under federal or state law
• Individualized financial planning or credit counseling
• A guarantee of loan approval, specific interest rates, or funding timelines

Loan terms, eligibility criteria, interest rates, fees, and approval decisions vary by lender, state, credit profile, and individual financial circumstances. Readers should always verify current terms directly with the lender and consult qualified professionals before making financial decisions.

Eligibility and Access

You must be at least 18 years of age (or the age of majority in your jurisdiction) to use this Site. By using NexaLoan, you represent that you meet this age requirement.

We reserve the right to restrict or terminate access to the Site at any time, without notice, for conduct that we believe violates these Terms, is harmful to other users, or is otherwise objectionable.

Third-Party Links and Services

The Site may contain links to third-party websites, including lender websites, government resources, and financial tools. These links are provided for your convenience and reference only.

• NexaLoan does not control, endorse, or assume responsibility for the content, privacy practices, or availability of any third-party website.
• Any application you submit, loan you receive, or transaction you complete through a third-party site is governed by that party’s own terms and conditions.
• NexaLoan is not a party to any agreement between you and a third-party lender or service provider.

We encourage you to read the terms of use and privacy policy of any external site before providing personal or financial information.

Affiliate Relationships and Compensation

Some links on NexaLoan may be affiliate links, meaning we may receive compensation if you click through and take a qualifying action (such as submitting an application). This compensation helps support the operation of this Site and does not increase the cost to you.

Affiliate relationships do not influence our editorial content, rankings, or recommendations. For full details, please see our Advertising Disclosure page.

Intellectual Property

All original content on NexaLoan — including text, graphics, logos, page design, calculators, and code — is the property of NexaLoan or its content creators and is protected by U.S. and international copyright, trademark, and intellectual property laws.

• You may view and print pages for personal, non-commercial use.
• You may not reproduce, distribute, modify, create derivative works from, publicly display, or commercially exploit any content without prior written permission.
• The NexaLoan name and logo are trademarks of NexaLoan. Unauthorized use is prohibited.

DMCA and Copyright Complaints

NexaLoan respects the intellectual property rights of others. If you believe that content on this Site infringes your copyright, you may submit a notice under the Digital Millennium Copyright Act (DMCA) to our designated agent:

Email: nexaloan@loan12.com
Subject Line: DMCA Takedown Notice

Your notice should include: (1) identification of the copyrighted work, (2) identification of the infringing material with a URL, (3) your contact information, (4) a statement of good faith belief, and (5) a statement under penalty of perjury that the information is accurate and you are authorized to act on behalf of the copyright owner.

Disclaimer of Warranties

The Site and all content are provided on an “as is” and “as available” basis without warranties of any kind, either express or implied, including but not limited to implied warranties of merchantability, fitness for a particular purpose, accuracy, or non-infringement.

NexaLoan does not warrant that:

• The information on the Site is complete, accurate, current, or error-free
• The Site will be available without interruption or free from technical errors
• Any particular loan product, rate, or lender will be available to you
• Using information on this Site will result in any specific financial outcome

Limitation of Liability

To the fullest extent permitted by applicable law, NexaLoan, its owner, editors, contributors, and affiliates shall not be liable for any direct, indirect, incidental, special, consequential, or punitive damages arising from:

• Your use of, or inability to use, the Site or any content
• Any action taken or decision made based on information provided on the Site
• Any interaction with third-party lenders, advertisers, or service providers linked from the Site
• Unauthorized access to or alteration of your data or transmissions

This limitation applies regardless of the legal theory (contract, tort, strict liability, or otherwise) and even if NexaLoan has been advised of the possibility of such damages.

Indemnification

You agree to indemnify, defend, and hold harmless NexaLoan, its owner, editors, and contributors from any claims, damages, losses, liabilities, and expenses (including reasonable attorneys’ fees) arising from your use of the Site, your violation of these Terms, or your violation of any third party’s rights.

Governing Law and Dispute Resolution

These Terms are governed by and construed in accordance with the laws of the State of California, United States, without regard to conflict of law principles.

Any dispute arising from these Terms or your use of the Site shall first be resolved through good-faith negotiation. If negotiation fails, the dispute shall be submitted to binding arbitration administered under the rules of the American Arbitration Association (AAA), with proceedings conducted in English in the State of California. Each party shall bear its own arbitration costs unless otherwise determined by the arbitrator.

Changes to These Terms

We may update these Terms from time to time to reflect changes in our practices, legal requirements, or Site features. When we make material changes, we will update the “Last Reviewed” date at the top of this page. Your continued use of the Site after any changes constitutes your acceptance of the revised Terms.

We encourage you to review this page periodically to stay informed about the terms governing your use of NexaLoan.

Contact

If you have questions about these Terms of Use, please contact us:

Email: nexaloan@loan12.com
Page: Contact NexaLoan