Terms of Use

By accessing or using the Micropath Finance website, submitting a loan application or communicating with us through our site, you confirm that you have read, understood and agree to be bound by these Terms of Use and our Privacy Policy.

If you do not agree to these terms, do not use this website or submit an application.

Micropath Finance is a direct lender. We review loan applications, make lending decisions, set rates and terms, and fund any loan we approve. We are not a loan broker, comparison service or marketplace.

All eligibility decisions, offers, rates and terms are made by Micropath Finance. A listing on our website, a pre-qualification indicator or a rate estimate does not constitute an approval or a binding offer.

You must meet the following conditions to use this website and submit a loan application:

• You are at least 18 years of age.
• You are a resident of a U.S. state in which Micropath Finance is licensed to operate.
• You are accessing this website for your own personal, non-commercial use.
• The information you provide to us is accurate, current and complete.

You may use this website only for lawful purposes and in accordance with these terms. You agree not to:

• Use the site in any way that violates applicable federal, state or local law or regulation.
• Submit false, misleading or fraudulent information in a loan application or enquiry.
• Attempt to gain unauthorised access to any part of our website, systems or networks.
• Transmit any harmful, disruptive or malicious code, including viruses or malware.
• Scrape, crawl or systematically extract content from this website without our written permission.
• Impersonate Micropath Finance, our staff or any other person or entity.

Submitting a loan application through our website does not guarantee approval or create any obligation on Micropath Finance to make a loan offer.

If we approve your application and make an offer, the offer will include the full loan amount, interest rate, APR, all applicable fees, the repayment schedule and the total amount repayable. No loan is agreed until you review and sign the loan agreement.

Loan availability, amounts, rates and terms depend on your individual circumstances and the state in which you reside. Micropath Finance operates only in states where it is licensed.

Website content is provided for general informational purposes only. It does not constitute financial, legal, tax or professional advice.

We make reasonable efforts to keep information current and accurate, but we do not warrant that all content is error-free, complete or up to date. Actual loan terms, rates and availability are confirmed in your individual agreement with Micropath Finance.

Do not rely solely on website content when making financial decisions. Consider seeking independent professional advice.

All content on this website — including text, graphics, logos, images, and the overall design — is owned by or licensed to Micropath Finance and is protected by applicable copyright, trademark and other intellectual property laws.

• You may view and print content for your own personal, non-commercial use.
• You may not reproduce, distribute, modify, publicly display or create derivative works from any content without our prior written consent.
• Micropath Finance and related marks are trademarks of Micropath Finance. You may not use our trademarks without written permission.

Our website may contain links to third-party websites for your convenience. These links do not constitute an endorsement or recommendation of the linked site, its content or its operators.

Third-party sites have their own terms of use and privacy policies. We are not responsible for their content, accuracy, availability or practices. Review those policies before providing any information to a third-party site.

This website and its content are provided on an "as is" and "as available" basis without warranties of any kind, either express or implied.

To the fullest extent permitted by applicable law, Micropath Finance disclaims all warranties, including but not limited to implied warranties of merchantability, fitness for a particular purpose, title and non-infringement.

We do not warrant that the website will be uninterrupted, error-free or free of viruses or other harmful components.

To the fullest extent permitted by applicable law, Micropath Finance and its officers, directors, employees and agents will not be liable for any indirect, incidental, special, consequential or punitive damages arising from your use of, or inability to use, this website.

Our total liability to you for any claim arising from your use of this website will not exceed the amount you paid to us in the three months preceding the event giving rise to the claim, or $100, whichever is greater.

Some jurisdictions do not allow the exclusion or limitation of certain damages. In such jurisdictions, our liability is limited to the maximum extent permitted by law.

You agree to indemnify, defend and hold harmless Micropath Finance and its officers, directors, employees and agents from and against any claims, liabilities, damages, losses and expenses — including reasonable legal fees — arising from:

• Your use of or access to this website.
• Your violation of these Terms of Use.
• Your submission of false, misleading or fraudulent information.
• Your violation of any applicable law or the rights of a third party.

Your use of this website is also governed by our Privacy Policy, which is incorporated into these Terms of Use by reference. Please review the Privacy Policy to understand our practices.

We may update these Terms of Use at any time. When we make material changes, we will update the effective date at the top of this page.

Your continued use of this website after any update constitutes your acceptance of the revised terms. We encourage you to review this page periodically.

These Terms of Use are governed by and construed in accordance with the laws of the United States and the state in which Micropath Finance is incorporated, without regard to conflict of law principles.

Any dispute arising from your use of this website or these terms will be subject to the exclusive jurisdiction of the courts of that state, and you consent to personal jurisdiction in those courts.

If any provision of these Terms of Use is found to be unlawful, void or unenforceable, that provision will be deemed severed from these terms without affecting the validity and enforceability of the remaining provisions.

If you have questions about these Terms of Use, please contact us using the details on our Contact page or at the address provided in your loan agreement.

Effective date: June 2025.