Terms of Use

1. User Agreement & Funnel Consent

By filling out our intake form and using this Website, you represent that you are at least 18 years old and have the legal authority to act on behalf of your business entity. You agree that all details provided are accurate and true.

You understand and agree that Company operates purely as an administrative matching platform. We control only the digital landing pages and capture forms. Once you submit your data, it is passed to independent, third-party lending partners. We are not responsible for any actions, agreements, or communication that take place after you leave our platform or receive an external call.

2. Telemarketing Disclosures & TCPA Consent

By submitting your contact details (including wireless phone number and email) on this Website, you explicitly establish a business relationship and extend an express invitation for us and our network of participating lending partners to contact you.

• Do Not Call Registry Waiver: You authorize us and our partners to contact you via telephone, SMS/text message, or email even if your number is currently listed on any local, state, corporate, or federal Do Not Call Registry.
• Automated Systems: You explicitly consent to receive calls and messages that may be delivered via automatic telephone dialing systems (ATDS), artificial voices, or pre-recorded scripts.
• Revocation: You may revoke this consent at any time by making a direct opt-out request to the specific partner contacting you.

3. Scope of Service (Not a Lender)

We are a lead generation network marketplace, not a direct commercial lender, broker, or financial institution.

• We do not issue credit approvals, evaluate cash flow, or make credit determinations on this website.
• Our partners may perform soft credit inquiries based on your criteria to deliver exact offers, which will not impact your credit score.
• We receive advertising compensation directly from our network partners. We do not charge business owners any fees to use our website platform.
• Nothing contained on this site represents an explicit guarantee or offer of financing.

4. Prohibited User Conduct

• Submitting fraudulent, false, or intentionally misleading financial or business metrics.
• Using automated tools (bots, crawlers, scrapers, or spiders) to access our system.
• Attempting to bypass security infrastructure or harvest user metrics.
• Deploying destructive digital assets such as viruses, worms, or Trojan horses.

5. Intellectual Property

All structural data, layout, styling, text, logic flow, graphics, and underlying code on opvioloans.com are the exclusive property of the Company and are protected under federal copyright, trademark, and intellectual property laws. Unauthorized duplication or framing of this page is strictly prohibited.

6. Disclaimer of Warranties

THIS WEBSITE AND ALL ADVERTISED CONTEXT ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS. COMPANY DISCLAIMS ALL WARRANTIES, WHETHER EXPRESS OR IMPLIED, INCLUDING WARRANTIES OF MERCHANTABILITY, ACCURACY, AND FITNESS FOR A PARTICULAR PURPOSE. WE DO NOT WARRANT THAT SYSTEM FLOW WILL BE UNINTERRUPTED, COMPLETELY SECURE, OR ENTIRELY FREE FROM TECHNICAL DISRUPTIONS.

7. Limitation of Liability

IN NO EVENT SHALL COMPANY, ITS PARENT CORPORATIONS, OFFICERS, DIRECTORS, PARTNERS, OR EMPLOYEES BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL, OR PUNITIVE DAMAGES ARISING OUT OF YOUR USE OF THE PLATFORM OR YOUR INTERACTION WITH ANY MATCHED LENDING NETWORK PARTNERS. TO THE EXTENT PERMITTED BY LAW, OUR TOTAL AGGREGATE LIABILITY IS CAPPED AT ZERO DOLLARS ($0.00).

8. Dispute Resolution (Binding Arbitration & Class Waiver)

This agreement shall be interpreted and governed in accordance with the laws of the State of Wyoming, without giving effect to conflicts of laws principles.

• Mandatory Arbitration: Any dispute arising out of your use of this Website shall be settled by final and binding arbitration administered by the American Arbitration Association (AAA) before a single arbitrator in Sheridan, Wyoming.
• Class Action Waiver: YOU EXPLICITLY WAIVE THE RIGHT TO BRING ANY CLAIM AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS, REPRESENTATIVE, OR CONSOLIDATED LEGAL PROCEEDING.
• Statute of Limitations: Any legal claim arising out of your use of this Website must be formally filed within one (1) year after the underlying event occurred, or be permanently barred.

9. Contact & Mailing

Opvia Loans Ltd
Sheridan, Wyoming
hello@opvioloans.com