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Terms of Use

Home—Terms of Use

Effective Date: 1/7/2025

Welcome to Digital Consulting Group, LLC ("Company," "we," "our," or "us"). Please read these Terms of Use ("Terms") carefully before accessing or using any part of our website or services. By accessing or using this website, you agree to comply with and be bound by these Terms. IF YOU DO NOT AGREE WITH THESE TERMS, PLEASE DO NOT USE OUR WEBSITE OR SERVICES.

1. Acceptance of Terms

By accessing, browsing, or using this website, you acknowledge that you have read, understood, and agreed to be bound by these Terms, including our Privacy Policy.

2. Services Provided

Digital Consulting Group, LLC operates online platforms that facilitate connections between consumers and third-party lenders and service providers for personal and short-term financial services. We do not offer loans directly, nor do we make credit decisions. Our role is limited to connecting users with independent lenders or financial service providers.

3. Eligibility Requirements

  • You are at least 18 years of age.
  • You are a resident of the United States or its territories.
  • You have the legal capacity to enter into a binding agreement.
  • You will only use this website for lawful purposes.

4. Modifications to Terms

We reserve the right to modify these Terms at any time without prior notice. Your continued use of our site after changes are posted constitutes your acceptance of the revised Terms.

5. Third-Party Relationships

Our platform facilitates connections with third-party lenders and service providers. We do not control or endorse any third-party offerings. Any disputes, terms, or agreements are strictly between you and the third party.

6. No Guarantee of Loan or Approval

Submitting a request does not guarantee that you will receive a loan, credit, or financial service. We do not control lenders' decisions, nor do we guarantee acceptance, rates, terms, or amounts.

7. Privacy Policy

Our Privacy Policy governs the collection and use of your personal information. By using this site, you consent to the collection and use of information as described in our Privacy Policy.

8. License and Access

Digital Consulting Group, LLC grants you a limited, non-exclusive, non-transferable license to access and make personal use of this site. You may not reproduce, duplicate, copy, sell, or otherwise exploit any portion of the site without express written consent.

9. Intellectual Property Rights

All content, including but not limited to text, graphics, logos, images, software, and trademarks, are the property of Digital Consulting Group, LLC or its licensors and protected under intellectual property laws.

10. Prohibited Uses

  • Use the site for unlawful purposes.
  • Impersonate others or submit false information.
  • Attempt unauthorized access to systems or networks.
  • Interfere with site functionality or security.

11. User Content

Any content submitted by you (e.g., inquiries, feedback) becomes our property. We may use, reproduce, modify, and distribute such content without restriction or compensation to you.

12. Disclaimer of Warranties

This website and all services, content, and products provided through it are offered "as is" and "as available," without any warranties of any kind, express or implied.

We expressly disclaim all warranties including, but not limited to, implied warranties of merchantability, fitness for a particular purpose, title, non-infringement, accuracy, or reliability.

We do not warrant that the website will be uninterrupted, secure, or error-free or that any information provided is accurate or reliable. Your use of this website is at your sole risk.

13. Limitation of Liability

To the fullest extent permitted by law, Digital Consulting Group, LLC and its affiliates, officers, directors, employees, agents, and partners will not be liable for any indirect, incidental, consequential, special, exemplary, or punitive damages, including but not limited to loss of profits, data, or business opportunities, arising out of or related to your use or inability to use the site or services, even if advised of the possibility of such damages.

In no event will our liability exceed the amount paid, if any, for accessing this site.

14. Indemnification

You agree to indemnify, defend, and hold harmless Digital Consulting Group, LLC and its affiliates from any claims, damages, liabilities, and expenses arising from your use of the website, violation of these Terms, or infringement of third-party rights.

15. Fair Lending Compliance

AuthorityLoan.com supports fair lending practices and complies with the Equal Credit Opportunity Act (ECOA), the Fair Lending Laws, and other applicable federal and state regulations. We do not engage in discriminatory practices based on race, color, religion, national origin, sex, marital status, age, or receipt of public assistance. Our network of lenders is expected to uphold the same fair lending standards and operate in full compliance with lending laws.

16. Consumer Complaint Resolution

If you believe a lender has engaged in misleading advertising, unfair lending practices, or other non-compliant behavior, you may file a complaint with us at [Insert Contact Email]. Complaints are reviewed within 10 business days, and appropriate action will be taken.

17. Responsible Borrowing Statement

Taking out a loan is a serious financial commitment. Evaluate terms carefully before accepting. If unsure about repayment, consult a financial advisor. Late payments may impact your credit. Borrow responsibly.

18. Governing Law

These Terms shall be governed by the laws of the State of Colorado and the United States, without regard to conflict of laws principles.

19. Jurisdiction

You agree that any disputes will be subject to the exclusive jurisdiction of the state and federal courts located in Denver, Colorado, USA.

20. Arbitration

Any disputes shall be resolved by binding arbitration under the rules of the American Arbitration Association. YOU WAIVE THE RIGHT TO A TRIAL BY JURY.

21. Class Action Waiver

You agree that claims must be brought individually and not as part of a class or representative action.

22. Termination of Access

We reserve the right to terminate or restrict access at any time, with or without notice.

23. Monitoring and Enforcement

We may monitor use and enforce these Terms, including legal action for violations.

24. Communications

By using this site, you consent to receive electronic communications from us.

25. Security Measures

We implement reasonable security, but cannot guarantee absolute protection.

26. Copyright and DMCA Policy

If you believe your intellectual property rights are violated, contact us at support@authorityloan.com.

27. No Agency Relationship

No joint venture, partnership, employment, or agency relationship exists as a result of using the site.

28. Force Majeure

We are not liable for delays or failures caused by events beyond our control.

29. Assignment

We may assign these Terms freely. You may not assign your rights without consent.

30. Waiver

Failure to enforce any provision shall not be a waiver of future enforcement.

31. Severability

If any part is deemed unenforceable, the remainder shall remain valid and enforceable.

32. Entire Agreement

These Terms and the Privacy Policy constitute the entire agreement between you and Digital Consulting Group, LLC.

33. Contact Information

AuthorityLoan.com
1312 17th Street, Unit 1582
Denver, Colorado 80202
Email: support@authorityloan.com

By using this website, you acknowledge that you have read, understood, and agreed to these terms.

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1. Lending Guarantee Disclaimer

No Lending or Loan Guarantee

AuthorityLoan.com is a marketing and lead generation platform. It does not engage in lending, credit extension, or making credit decisions. Any offers or financial products are made by third-party lenders or service providers. We disclaim liability for their terms, actions, or omissions. Users must evaluate any lender independently before entering into an agreement.

2. Affiliate Disclosure

Affiliate and Revenue Disclosure

AuthorityLoan.com receives compensation from lenders, aggregators, and other financial service providers for the sale and transfer of consumer loan inquiries ("leads"). The compensation received may influence how and where offers appear on this website. The inclusion of lenders or partners on this site does not constitute an endorsement or recommendation. AuthorityLoan.com does not control the terms or policies of any third-party lender and encourages all users to independently verify any lender before engaging in any transaction.

3. Earnings and Results Disclaimer

No Guarantee of Loan Approval, Terms, or Financial Results

AuthorityLoan.com does not guarantee loan approval, interest rates, repayment terms, or specific financial outcomes. Any statements or representations on this website regarding potential loan approvals or outcomes are for informational purposes only. They should not be relied upon as guarantees. Actual terms and loan decisions are made solely by participating lenders based on their independent underwriting criteria and applicable laws. Users should carefully review all disclosures and agreements from any lender prior to entering into a loan contract.

4. TCPA Consent Disclaimer

Consent to Contact Under the TCPA

By submitting personal information on this website, users expressly consent to be contacted by AuthorityLoan.com, its partners, lenders, and service providers for marketing and servicing purposes via telephone, text message (SMS), email, or other means of communication, including the use of automated dialing systems and prerecorded messages, in accordance with the Telephone Consumer Protection Act (TCPA). This consent includes recurring messages and may involve telemarketing messages. Consent to be contacted is not a condition of using this website or purchasing any goods or services. Users may opt out of communications at any time by following the opt-out instructions included in the communication or by contacting AuthorityLoan.com directly.

5. Third-Party Liability Disclaimer

Limitation of Liability for Third-Party Actions

AuthorityLoan.com is not responsible for the products, services, actions, or terms of any third-party lender, aggregator, or financial service provider. This includes—but is not limited to—loan denials, repayment terms, fees, rates, or any collection activities. Users enter agreements with third-party providers at their own discretion and risk. Any agreements, contracts, or transactions entered into between users and third parties are strictly between those parties. AuthorityLoan.com does not review, endorse, or guarantee any lender's products, terms, or services and disclaims all liability arising from interactions, disputes, or agreements between users and third-party lenders. Users are encouraged to conduct their due diligence and review lender terms carefully before proceeding.

6. Regulatory Compliance Disclaimer

Regulatory Compliance and No Legal or Financial Advice

AuthorityLoan.com operates in accordance with applicable federal and state laws and regulations, including but not limited to consumer protection and data privacy laws. However, the information provided on this website is for general informational purposes only. It does not constitute legal, financial, or professional advice. Users should consult with licensed attorneys or financial professionals regarding any legal or financial matters. AuthorityLoan.com does not guarantee that interactions with third-party lenders will meet specific legal or regulatory requirements applicable to individual users.

Consumer Risk Disclosure

Borrowing money through short-term and installment loans carries financial risks. High-interest loans may not be suitable for all borrowers, and failure to repay may result in additional fees, collection efforts, or negative impacts on your credit score. Before accepting any loan offer, carefully review the lender's terms, repayment schedule, and total loan cost to ensure it aligns with your financial situation. If you are facing financial hardship, consider exploring alternative lending options or consulting a financial advisor.

APR Variation Notice

The Annual Percentage Rate (APR) for loans varies depending on lender policies, state regulations, creditworthiness, and loan terms. APRs typically range from 5.99% to 35.99%, but actual APRs may be higher or lower depending on lender policies, loan duration, borrower creditworthiness, state regulations, and additional factors. Lenders are required by law to disclose the exact APR, all fees, repayment schedules, and total loan cost before you agree to the loan.

7. Privacy Disclaimer

AuthorityLoan.com adheres to the Fair Credit Reporting Act (FCRA) and Truth in Lending Act (TILA). Your information is securely processed and only shared with participating lenders or other credit service providers in compliance with federal regulations.

8. Marketing and Lead Generation Practices Disclosure

If we are unable to connect you with a lender, or even if a lender connection is made, we may share your information—including name, contact details, and loan preferences—with third-party marketing partners. These partners may contact you with offers for loans or other financial and non-financial services, via email, SMS, phone calls, or online advertising.

By submitting your information, you consent to this sharing and to being contacted by these third parties. You may opt out at any time by contacting us or following the unsubscribe instructions provided in any communication.

9. Session Recording Notice

We use Microsoft Clarity to record certain user sessions for analytics, fraud prevention, and site improvement. Session data is not used for marketing or resale and is handled in accordance with our Privacy Policy.

10. California and Colorado Residents

You have the right to request access to, deletion of, or opt out of the sale or sharing of your personal information. To exercise your rights, please contact us at support@authorityloan.com.

11. Industry Best Practices

AuthorityLoan.com follows the Online Lenders Alliance (OLA) Best Practices to promote transparency, consumer protection, and responsible marketing. We are not currently an OLA member, but are committed to these standards and intend to pursue formal membership as our business grows.

12. Not a Lender Disclosure

AuthorityLoan.com is not a lender, does not make credit decisions, and does not offer loans directly. Loan offers are provided by third-party lenders and are subject to lender approval and applicable law. Loans may not be available in all states. Actual loan amounts, APRs, and repayment terms may vary by lender, state, and credit profile.

13. Accessibility

AuthorityLoan.com is committed to providing a website that is accessible to the widest possible audience. If you experience difficulty accessing any part of our site, please contact us at support@authorityloan.com and we will work to address your concerns.

14. Consumer Complaints

To file a complaint or resolve an issue, please contact us at support@authorityloan.com. We strive to respond to all inquiries and complaints within 30 days.

By submitting this form, you agree to receive documents electronically and consent to the use of electronic signatures in all transactions related to this service. You may withdraw your consent at any time by contacting us.

15. State Restrictions

Loans and services may not be available in all states. We are currently not operating in New York, California, West Virginia and Arkansas.

Last Updated: July 21, 2025