Mission Lane is dedicated to helping everyone have access to fair and clear credit. We want to ensure that you have access to important information to help you make the most responsible financial decision to meet your needs.

These Terms of Use include an agreement to resolve any disputes through binding arbitration that includes a class action waiver, as well as important disclaimers, warranties and limitations on liability.

Introduction

We publish our terms of use (“Terms of Use”) for everyone to see, at any time. By accessing our website, mobile application, or applying for a product or service with Mission Lane LLC (“Mission Lane”), you are agreeing to the terms and conditions set forth below, our Privacy Policy, any applicable Additional Terms (defined below) (collectively referred to as the “Agreement”). The Agreement constitutes a legal contract between you and Mission Lane, which includes its parent company and all of its subsidiaries and their affiliates. These Terms of Use cover all aspects of your use of the Mission Lane website and mobile application, including all of its pages and, to the extent not superseded by the terms and conditions of any contract we may sign with you, any product or service we may provide you.

If you do not understand any terms within the Terms of Use, please consult a legal expert for a clarification.

PLEASE READ THESE TERMS AND CONDITIONS CAREFULLY. BY ACCESSING OUR SITE AND ANY OF ITS PAGES OR OUR MOBILE APPLICATION (COLLECTIVELY, THE “SITE”), YOU AGREE TO BE BOUND BY THE TERMS AND CONDITIONS BELOW. IF YOU DO NOT AGREE TO THESE TERMS AND CONDITIONS, YOU MUST LEAVE THE SITE NOW. IF AT ANY TIME YOU DO NOT AGREE WITH ANY OF THESE TERMS AND CONDITIONS, YOU MUST IMMEDIATELY CEASE YOUR USE OF THE SITE.

1. Eligibility; Privacy

The products and services offered through our Site are not available to persons under the age of 18 or to persons who are not legal residents of the United States, by visa or otherwise. BY CLICKING ANY BUTTON OR BY ACCESSING, BROWSING OR OTHERWISE USING THE MISSION LANE SITE YOU REPRESENT AND WARRANT TO US THAT YOU ARE AT LEAST 18 YEARS OF AGE AND ARE A LEGAL RESIDENT OF THE UNITED STATES.

Mission Lane has made a commitment to protecting the privacy of those who visit our Site and access the products and services available therein. Mission Lane’s Privacy Policy is hereby incorporated herein by reference.

2. Registration: Accountholder Responsibilities

Certain areas of the Mission Lane website and the mobile application are accessible only to registered accountholders. In order to access the registered-accountholder-only areas of missionlane.com or to use our mobile application, you will need the username and password you have created. You acknowledge that use of a username and a password is an adequate form of security. You are solely responsible for (1) authorizing, monitoring, controlling access to and maintaining the strict confidentiality of your username and password, (2) not allowing another person to use your username or password, (3) any charges or damages that may be incurred as a result of your neglect to maintain the strict confidentiality of your username and password, and (4) promptly informing Mission Lane in writing of any need to deactivate a username due to security or other concerns. Mission Lane is not liable for any harm related to the theft of usernames or passwords, disclosure of usernames or passwords, or your authorization to allow another person or entity to access and use missionlane.com using your username or password. You must immediately notify Mission Lane of any unauthorized use of your username or password and any breach of confidentiality. Until Mission Lane receives this notification from you, you will be held liable for any harm ensuing from the use of your username on missionlane.com.