Effective Date: March 20, 2026
By accessing the TheZenithFinance website (the “Website”), you agree to be bound by these terms and conditions (the “Terms”). Please read these Terms carefully. If you do not agree to these Terms, please exit the Website immediately.
Loan Referral Service
Our loan referral service (the “Service”) connects consumers with prospective lenders participating in our network (the “Lender Partners”). To use the Service, you must complete an online request form (a “Request Form”) that requests personal information from you, including your name, address, telephone number, email address, social security number, bank account information, and employment information. Our collection and use of this information is subject to the Website’s Privacy Policy, which is incorporated into these Terms.
Credit Decisions
TheZenithFinance is not a lender and does not make loans or credit decisions. TheZenithFinance does not guarantee that any Lender Partner will offer you a loan or that any loan offer will contain any specific loan terms or conditions. TheZenithFinance does not guarantee that the price, product, availability, rates, fees, or any other loan terms offered and made available by Lender Partners through the Service are the best terms available in the market.
Once you submit a Request Form, TheZenithFinance shares your information with our Lender Partners. By submitting a Request Form, you understand and agree that you are requesting loan offers from the Lender Partners. You are also agreeing that TheZenithFinance and the Lender Partners may contact you by any means (including email, telephone, SMS, and direct mail) so that they may assist in processing your Request Form or provide information to you about additional offers now or in the future.
Lender Partners who receive your Request Form review your information in real-time to determine whether your information meets the Lender Partner’s underwriting criteria. Lender Partners may use your Request Form information to perform a credit check. This credit check may be a formal credit inquiry which leaves a record on your credit report and may affect your credit score (a “Hard Check”). Or it could be an informal inquiry which will not affect your credit (a “Soft Check”). These credit checks may be performed through TransUnion, Equifax, or Experian (the “Big Three”) or they may be performed through other alternative credit reporting agencies or data aggregators (such as Microbilt, Teletrack, DP Bureau, or DataX) that track consumer transactions with lending institutions. By submitting your Request Form, you agree to allow Lender Partners to review, verify, and research your information in such a manner.
If a Lender Partner determines that your Request Form meets its underwriting criteria, your browser will be redirected to the lender’s website. You understand and agree that, once you have been redirected to the lender’s website, TheZenithFinance has no further involvement in the loan registration or decision process. Your interactions with the lender are subject to privacy policy, terms of use, and other policies or terms enforced by that lender.
Electronic Disclosure
By Submitting your Request Form you agree to receive notifications, disclosures, and other documents and communications both from TheZenithFinance and from our Lender Partners. If you are connected to a Lender Partner, that lender may require you to execute an electronic loan contract. This electronic loan contract will be as binding as a loan contract in paper form. And your electronic signature will be as valid as a physical signature on a paper loan contract.
The lender may also require you to consent to receiving all notifications regarding your loan electronically. These electronic communications may include attempts to collect a debt.
Additionally, the lender may require you to access documents related to a loan, including your loan contract. By Submitting your Request Form you agree to this form of access. The lender may allow you to withdraw your consent to electronic disclosures. Please contact the lender with whom you were connected to learn more about this process. Please note, however, that not consenting to receive electronic disclosures may affect your ability to receive a loan from a Lender Partner.
Accuracy
You represent that the information you provide to TheZenithFinance, and ultimately, the Lender Partners, through your Request Form is accurate and truthful. If the information in your Request Form is not accurate and truthful, TheZenithFinance may deny, suspend, or terminate your use of the Service.
Indemnity
As a condition of using the Website or the Services, you agree to indemnify TheZenithFinance and the Lender Partners from and against any and all liabilities, expenses (including attorney’s fees) and damages arising out of claims resulting from your use of the Website, including any claims alleging facts that if true would constitute a breach by you of these Terms.
Dispute Resolution
Any claim or controversy arising out of or relating to the use of the Website, to the use of the Service, or to any acts or omission for which you may contend TheZenithFinance is liable (a “Dispute”), will be settled exclusively by binding arbitration in accordance with the commercial arbitration rules of the American Arbitration Association in effect at that time. The arbitration will be conducted in Los Angeles, California and judgment on the arbitration award may be entered into any court of competent jurisdiction. No arbitrator will have the power to award damages in connection with any Dispute in excess of actual compensatory damages and will not multiply actual damages or award consequential, punitive, or exemplary damages, and each party irrevocably waives any claim thereto. The agreement to arbitrate will not be construed as an agreement to the joinder or consolidation of an arbitration under this agreement with an arbitration of disputes or claims of any non-party, regardless of the nature of the issues of disputes involved.
BY AGREEING TO THESE TERMS, YOU GIVE UP YOUR RIGHT TO SETTLE ANY DISPUTES WITH THEZENITHFINANCE IN A COURT OF LAW OR BEFORE A JURY. YOU ALSO GIVE UP YOUR RIGHT TO PARTICIPATE IN OR BRING CLASS ACTIONS. BY USING THEZENITHFINANCE’S SERVICE, YOU CONSENT TO THESE RESTRICTIONS.
SMS Terms & Conditions
By providing a mobile phone number you are opting in to communications via SMS from TheZenithFinance and the Lender Partners. These communications may include a follow-up SMS message containing a link to your completed loan Request Form, payment reminders from Lender Partners, and future offers.
For additional support: info@thezenithfinance.com
Message and Data Rates May Apply. Under no circumstances will TheZenithFinance be responsible for fees that your wireless carrier or other third parties may charge you for use of this service.
Questions
You may direct any questions concerning these Terms to:
TheZenithFinance
Address: 1309 Coffeen Avenue Ste 1200, Sheridan County, WY 82801, United States
Email: info@thezenithfinance.com