The Card / Terms of Service

Terms of Service.

Effective · September 1, 2025
These Terms of Service govern your use of the website operated by HeddleLoans LLC ("the Company," "we," "us"), 3532 S Christine St, Salt Lake City, UT 84106, United States, and the general conditions of the credit and finance services we provide. By accessing this website, you agree to these terms.

1. Nature of This Website

This website is provided for general informational purposes — describing our lines, standards, and how to reach the office. Nothing on this site constitutes an offer of credit, a rate quote, or a commitment to lend. A credit facility is formed only by a signed credit agreement.

2. Credit Services

All credit facilities are provided pursuant to written agreements — credit agreements, loan documents, or facility letters — which specify rate, term, collateral, and repayment schedule. In the event of a conflict between these Terms and a signed agreement, the agreement controls.

2.1 Application Is Not Approval

Submission of an inquiry or application does not constitute an offer of credit or approval. Credit decisions are made under stated underwriting criteria.

2.2 Disclosure

Rates, APR, fees, and conditions are disclosed in the credit agreement per applicable lending law. The borrower is responsible for reviewing the agreement before signing.

2.3 No Advice

This website does not provide financial, legal, or tax advice. Borrowers should consult their own advisors before entering a credit agreement.

3. Fees and Repayment

Fees, rates, and repayment terms are stated in the applicable credit agreement. Payment obligations arise only under a signed agreement.

4. Intellectual Property

All content on this website — including text, graphics, layout, and design — is the property of the Company or its licensors and is protected by copyright. You may view and print pages for personal, non-commercial use only.

5. Acceptable Use of This Website

You agree not to: (a) use the website for any unlawful purpose; (b) submit false or misleading applications or financial information; (c) attempt to gain unauthorized access to borrower accounts or systems; (d) interfere with the operation of the website; or (e) misrepresent your identity, financial position, or borrowing purpose.

6. Confidentiality

Information submitted through this website is treated as confidential intake. Formal confidentiality and data obligations arise under a signed agreement and applicable lending law. Do not submit account credentials or highly sensitive financial documents through this website before an application is opened.

7. Disclaimer of Warranties

This website is provided "as is" and "as available" without warranties of any kind, express or implied. Credit facilities are governed by the applicable agreement; this website itself creates no warranty regarding services or outcomes.

8. Limitation of Liability

To the maximum extent permitted by law, the Company's aggregate liability arising from or related to this website shall not exceed one hundred dollars. Liability for credit facilities is governed by the applicable agreement. In no event shall the Company be liable for indirect, incidental, consequential, special, or punitive damages arising from use of this website.

9. Indemnification

You agree to indemnify and hold harmless the Company from claims, losses, and expenses (including reasonable attorneys' fees) arising from your violation of these Terms, your misuse of this website, or your provision of inaccurate application or financial information.

10. Third-Party Sites

This website may contain links to third-party websites for convenience. The Company does not endorse and is not responsible for the content, products, or practices of any third-party site.

11. Governing Law and Disputes

These Terms are governed by the laws of the State of Utah, United States, without regard to conflict-of-law principles. Any dispute arising from these Terms or use of this website shall be resolved in the courts located in Salt Lake County, Utah, and the parties consent to their jurisdiction. Credit agreements may specify alternative dispute procedures, which control for disputes under them.

12. Severability and Waiver

If any provision of these Terms is found unenforceable, the remaining provisions remain in effect. Failure to enforce any right or provision is not a waiver of that right or provision.

13. Changes to These Terms

We may revise these Terms from time to time. The current version will be posted on this page with its effective date. Continued use of the website following a revision constitutes acceptance of the revised Terms.

14. Contact

Questions about these Terms should be directed to: