Website Terms of Use

1. Acceptance of Terms

These Terms of Use (“Terms”) govern your access to and use of IronwoodFinance.com and any related pages or content we control (collectively, the “Site”). By accessing or using the Site, you agree to be bound by these Terms and all applicable laws and regulations. If you do not agree, do not use the Site.

2. Eligibility & Geographic Scope

The Site is intended for individuals aged 18 or older who are residents of the United States. You represent that you meet these criteria when you use the Site.

3. Site Use & Content

You may use the Site only for lawful purposes and in accordance with these Terms. We may suspend or terminate access for conduct we believe violates these Terms or is otherwise harmful.

Content on the Site is provided for general informational purposes. We may update, correct, or remove content at any time.

4. Accounts & Security

If you create an account or submit information, you agree to provide accurate information and keep it current. You are responsible for maintaining the confidentiality of any login credentials and for all activities under your account.

5. Consent to Communications

By submitting a form or otherwise providing your contact information, you consent to receive communications from Ironwood Finance and our affiliates or service providers, including emails, calls, and text messages (SMS/MMS) at any email address or telephone number you provide. These communications may use an automatic telephone dialing system, prerecorded or artificial voice, or automated texts as permitted by law. Message and data rates may apply. You can opt out of marketing texts at any time by replying STOP; you may still receive transactional or account-related messages.

By submitting information electronically, you agree that your electronic signature is valid and enforceable to the fullest extent permitted by law.

6. No Financial Offers; Accuracy

Information on the Site is not a commitment to lend, purchase receivables, or provide other financing. Any financing is subject to separate written agreements, eligibility review, and applicable underwriting or verification requirements. We do not guarantee that any information on the Site is error-free, complete, or current, and we do not assume liability for typographical or other errors.

7. Third-Party Links, Tools, and Content

The Site may reference or link to third-party websites, tools, or services. We do not control and are not responsible for third-party content, policies, or practices. Your use of any third-party site or service is at your own risk and subject to that third party’s terms and policies.

8. Intellectual Property

The Site and its contents, features, and functionality (including text, graphics, logos, icons, images, audio, video, and software) are owned by Ironwood Finance or our licensors and are protected by intellectual-property laws. You may not copy, modify, distribute, display, perform, create derivative works of, or otherwise use any part of the Site except as expressly permitted by us in writing.

9. Disclaimers & Limitation of Liability

Disclaimer. YOUR USE OF THE SITE IS AT YOUR SOLE RISK. THE SITE AND ALL CONTENT ARE PROVIDED “AS IS” AND “AS AVAILABLE” WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED.

Limitation. TO THE MAXIMUM EXTENT PERMITTED BY LAW, IRONWOOD FINANCE AND ITS AFFILIATES, OFFICERS, EMPLOYEES, AGENTS, AND REPRESENTATIVES SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL, EXEMPLARY, STATUTORY, OR PUNITIVE DAMAGES, OR FOR ANY LOST PROFITS, ARISING OUT OF OR IN CONNECTION WITH YOUR USE OF THE SITE, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. OUR TOTAL LIABILITY FOR ANY CLAIM ARISING FROM OR RELATING TO THE SITE WILL NOT EXCEED ONE HUNDRED U.S. DOLLARS (US$100).

10. Indemnification

You agree to defend, indemnify, and hold harmless Ironwood Finance and our affiliates, officers, employees, and agents from and against any claims, liabilities, damages, losses, and expenses (including reasonable attorneys’ fees) arising out of or in any way connected with your violation of these Terms or your use of the Site.

11. Governing Law, Venue & Arbitration

These Terms and any dispute or claim arising out of or relating to them or the Site are governed by the laws of the State of Texas, without regard to its conflict-of-laws principles.

Mandatory Arbitration & Class-Action Waiver. Any dispute or claim will be resolved by binding arbitration under the Federal Arbitration Act and the rules of the American Arbitration Association. The exclusive venue for any court proceeding permitted under these Terms (for example, to compel arbitration or confirm an award) will be the state or federal courts with jurisdiction over Ironwood Finance. YOU AND IRONWOOD FINANCE WAIVE ANY RIGHT TO A JURY TRIAL AND AGREE THAT ANY PROCEEDING WILL BE CONDUCTED ONLY ON AN INDIVIDUAL BASIS—NOT IN A CLASS, CONSOLIDATED, OR REPRESENTATIVE ACTION.

12. Changes to the Site or these Terms

We may modify or replace these Terms at any time by posting an updated version on the Site. Changes are effective upon posting. Your continued use of the Site after changes are posted means you accept the updated Terms.

13. Privacy

Your use of the Site is also subject to our Privacy Policy, which explains how we collect, use, and share information. If there is a conflict between these Terms and the Privacy Policy, these Terms control to the extent of the conflict for Site use terms.

14. Contact Us

If you have questions or concerns about the Terms, please contact us: