Terms of Service

1Acceptance of Terms

By accessing or using CraneFinanceNow.com (the "Site"), you agree to be legally bound by these Terms of Service ("Terms"). If you do not agree to all of these Terms, you must not use this Site.

These Terms constitute a legally binding agreement between you and CraneFinanceNow.com ("we," "us," "our"). Your continued use of the Site after any changes to these Terms constitutes acceptance of the modified Terms.

These Terms should be read alongside our Privacy Policy, which is incorporated herein by reference.

2Description of Service

CraneFinanceNow.com is an independent financial information and comparison website. We provide:

• Educational content about consumer lending products, including Crane Finance loans
• Independent reviews and ratings of lending products and companies
• Side-by-side loan comparisons to help consumers evaluate their options
• Free financial tools including a loan payment calculator
• Links to lending partners who may provide loans to qualified applicants

We do not guarantee that use of our site will result in loan approval. Loan approval, terms, and rates are determined solely by individual lenders based on applicant qualifications.

3Independence from Crane Finance

We are not authorized agents or representatives of Crane Finance. Information about Crane Finance on this site is gathered through independent research, public records, customer reviews, and publicly available loan documentation. We make no claim to speak on behalf of Crane Finance or to have inside information about their lending practices.

To contact Crane Finance directly, visit their official website at cranefinance.com.

4Affiliate Disclosure & Compensation

In accordance with Federal Trade Commission (FTC) guidelines, we are required to disclose that:

• CraneFinanceNow.com participates in affiliate marketing programs with lending companies
• When you click links on our site and complete a loan application, we may earn a referral commission
• This compensation may influence which lenders are featured on our site and the prominence of their placement
• All paid or sponsored placements are labeled as "Sponsored" or "Featured"
• Compensation does not affect our editorial review scores, which are based on independent analysis

We maintain editorial independence and will include lenders in our reviews regardless of compensation relationships. Our goal is to provide accurate, helpful information to consumers.

5Accuracy & Currency of Information

We make reasonable efforts to ensure that information on this site is accurate and current. However:

• Loan rates, terms, and availability change frequently and without notice
• We cannot guarantee that all information is accurate, complete, or up to date at any given time
• Information about Crane Finance's APR is based on customer reports, as Crane Finance does not publicly disclose rates prior to approval
• Our reviews reflect conditions at the time of research and may not reflect current lender practices

We update our content regularly and note the "Last Reviewed" date on each review page. If you find inaccurate information, please contact us at [email protected].

6Not Financial or Legal Advice

The content on CraneFinanceNow.com is for informational and educational purposes only and does not constitute:

• Financial advice or investment advice
• Legal advice
• Credit counseling
• Tax advice
• Insurance advice

We are not licensed financial advisors, attorneys, credit counselors, or tax professionals. Any decision to apply for a loan or take any other financial action based on information from this site is entirely your own.

For advice specific to your financial situation, consult a licensed financial advisor, attorney, or credit counselor. For debt help, free nonprofit credit counseling is available through the National Foundation for Credit Counseling (NFCC) at nfcc.org.

7Prohibited Uses

You agree not to use this Site:

• In any way that violates applicable federal, state, or local laws or regulations
• To transmit or submit false, fraudulent, or misleading information
• To impersonate any person or entity or misrepresent your affiliation with any person or entity
• To engage in any activity that could disable, damage, or impair the Site
• To use any robot, spider, crawler, or other automated means to access the Site for any purpose
• To attempt to gain unauthorized access to any portion of the Site or its related systems
• To collect or harvest any personal information from the Site
• To transmit spam, solicitations, or any unsolicited commercial communications

8Intellectual Property

All content on CraneFinanceNow.com — including but not limited to text, graphics, logos, review ratings, comparison tables, design elements, and software — is owned by or licensed to CraneFinanceNow.com and is protected by United States and international copyright, trademark, and other intellectual property laws.

You may:

• View and download content for personal, non-commercial use
• Share links to our pages
• Quote brief excerpts (under 100 words) with attribution and a link back to the original page

You may not reproduce, distribute, modify, create derivative works of, publicly display, or use our content for commercial purposes without our express written consent. Contact [email protected] for licensing inquiries.

9Disclaimer of Warranties

THIS SITE AND ALL CONTENT ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED.

TO THE FULLEST EXTENT PERMITTED BY LAW, WE DISCLAIM ALL WARRANTIES, INCLUDING BUT NOT LIMITED TO:

• Implied warranties of merchantability and fitness for a particular purpose
• Warranties that the site will be error-free, uninterrupted, or free of viruses
• Warranties regarding the accuracy, reliability, completeness, or timeliness of any content
• Warranties that loan applications submitted through our site will be approved

Your use of this site is at your sole risk.

10Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, CRANEFINANCENOW.COM AND ITS OWNERS, OPERATORS, EMPLOYEES, AGENTS, AND LICENSORS SHALL NOT BE LIABLE FOR ANY:

• Indirect, incidental, special, consequential, or punitive damages
• Loss of profits, revenue, data, or business opportunities
• Damages arising from your reliance on any information on this site
• Damages resulting from any loan you obtain through a lender linked from this site
• Damages arising from unauthorized access to or alteration of your information

In no event shall our total liability to you exceed $100 USD. Some jurisdictions do not allow exclusion of certain warranties or limitation of liability, so some of the above may not apply to you.

11Indemnification

You agree to defend, indemnify, and hold harmless CraneFinanceNow.com and its owners, officers, directors, employees, and agents from and against any claims, damages, obligations, losses, liabilities, costs, and expenses (including attorney fees) arising from:

• Your use of the Site
• Your violation of these Terms
• Your violation of any third-party rights
• Any content you submit to the Site
• Any fraudulent or false information you provide

12Governing Law & Dispute Resolution

These Terms are governed by the laws of the United States and the state in which our business is registered, without regard to conflict of law principles.

12.1 Informal Resolution

Before initiating any formal legal proceedings, you agree to contact us at [email protected] and attempt to resolve any dispute informally. We will make a good-faith effort to resolve issues within 30 days of receiving written notice.

12.2 Binding Arbitration

If informal resolution fails, any dispute arising out of or relating to these Terms or our Site shall be resolved through binding arbitration conducted by the American Arbitration Association (AAA) under its Commercial Arbitration Rules. The arbitration shall take place in English. You waive any right to participate in a class action lawsuit or class-wide arbitration.

12.3 Exceptions

Either party may seek emergency injunctive relief from a court of competent jurisdiction to prevent imminent harm pending arbitration.

13Changes to These Terms

We reserve the right to modify these Terms at any time. Changes become effective immediately upon posting to the Site. For significant changes, we will:

• Update the "Last Updated" date at the top of this page
• Post a notice on our homepage
• Send notification to users who have provided email addresses (where feasible)

Your continued use of the Site after any changes constitutes acceptance of the new Terms. If you disagree with any changes, your sole remedy is to stop using the Site.

14Contact Information

For questions, concerns, or notices regarding these Terms, please contact: