Terms & Conditions

1. Acceptance of Terms

By accessing or using the Consumer Financial Services Co website (the “Site”) or submitting a loan request, you agree to be bound by these Terms & Conditions. If you do not agree, please do not use our Site or services.

2. Nature of Service

Consumer Financial Services Co is a loan connection and matching service, not a lender. We connect consumers with third-party financial service providers and loan specialists. We do not:

• Make lending decisions
• Set loan rates, terms, or fees
• Guarantee loan approval for any applicant
• Guarantee specific loan amounts, rates, or terms

3. Eligibility

To use our services, you must:

• Be at least 18 years of age (21 in some states)
• Be a legal resident of the United States
• Have a valid Social Security Number or Individual Taxpayer Identification Number
• Have an active bank account (required by most lenders)
• Provide accurate and truthful information in all submissions

4. Accuracy of Information

You agree to provide accurate, complete, and current information when submitting loan requests or contact forms. Providing false or misleading information may result in rejection of your application and may constitute fraud. We reserve the right to reject any submission at our discretion.

5. No Guarantee of Service

Submission of a loan request does not guarantee that you will be matched with a lender, receive a loan offer, or receive any specific loan terms. Our ability to connect you with lenders depends on factors including lender availability, your credit profile, geographic location, and other variables beyond our control.

6. Third-Party Lenders

Once connected with a lender, your relationship is directly with that lender. Consumer Financial Services Co is not a party to any loan agreement between you and a lender. We are not responsible for lender actions, decisions, errors, or conduct. You should carefully review all loan documents before signing.

7. No Financial Advice

Nothing on this Site constitutes financial, legal, tax, or credit advice. Information provided is for general educational purposes only. Consult a qualified financial advisor before making financial decisions.

8. Intellectual Property

All content on this Site, including text, graphics, logos, and images, is the property of Consumer Financial Services Co and protected by applicable copyright and trademark laws. You may not reproduce, distribute, or create derivative works without our express written consent.

9. Limitation of Liability

To the maximum extent permitted by law, Consumer Financial Services Co shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of our Site or services. Our total liability in any matter shall not exceed $100.

10. Indemnification

You agree to indemnify and hold harmless Consumer Financial Services Co, its officers, employees, and agents from any claims, damages, or expenses (including attorney fees) arising from your use of our services, violation of these Terms, or violation of any third-party rights.

11. Governing Law

These Terms shall be governed by the laws of the State of Illinois, without regard to conflict of law principles. Any disputes shall be resolved in the courts of Cook County, Illinois.

12. Changes to Terms

We reserve the right to modify these Terms at any time. Updated Terms will be posted on this page. Continued use of our Site after changes constitutes acceptance of the new Terms.

13. Contact

Consumer Financial Services Co
3855 N Cicero Ave, Chicago, IL 60641
Email: mail@shyamalmarketing.com
Phone: +1 773-685-4049