Terms of Use

These Terms of Use govern your access to and use of borrowly.us and related services operated by Score Digital LLC (“Borrowly”). By using the site, you agree to these terms.

1. Borrowly is not a lender

Borrowly is a marketing and lead-generation service. We are not a lender, bank, loan broker, or an agent of any lender or broker; we do not make loans, make credit decisions, or take the final loan application — the lender does. By submitting our form, you authorize Borrowly to collect the information you provide — including your name, email, phone number, and mailing address — and to share or forward it with our lending and marketing partners so they can contact you and present offers, and you agree we may redirect you to a partner’s own website to continue. Any loan, rate, term, or offer comes solely from a lending partner and is subject to its approval, terms, and its own agreements with you.

2. Third-party partner sites

We may direct you to partner websites that we do not operate or control. Those sites are governed by their own terms and privacy policies, and any additional information you provide there is collected and controlled by the partner. Borrowly is not responsible for the content, offers, or practices of partner sites.

3. Marketing compensation

Borrowly is compensated through marketing, lead, and affiliate fees when we share your information or connect you with a partner. This compensation may affect which offers appear and the order in which they appear. We do not feature every lender or offer available in the market.

4. No guarantee of offers or approval

Using the site does not guarantee that you will be shown any particular offer, connected with a partner, approved for a loan, or offered any particular rate or term. Rates and figures shown on the site are illustrative estimates only.

5. Eligibility

You must be at least 18 years old and a U.S. resident to use the service.

6. Your responsibilities

You agree to provide accurate information and to use the service only for lawful purposes.

7. Intellectual property

The site, its content, and the Borrowly marks are owned by us or our licensors.

8. Disclaimers

The service is provided “as is” and “as available” without warranties of any kind, whether express, implied, or statutory, to the fullest extent permitted by law. We disclaim all implied warranties, including the warranties of merchantability, fitness for a particular purpose, title, and non-infringement, and we do not warrant that the service will be uninterrupted, error-free, or secure. Because Borrowly is not a lender and makes no credit decisions, we make no representation or warranty about any loan, rate, term, offer, approval, or the acts or omissions of any lending or marketing partner. Any dealings you have with a partner are solely between you and that partner.

9. Limitation of liability

To the fullest extent permitted by law, Borrowly and its officers, members, employees, and agents will not be liable for any indirect, incidental, special, consequential, exemplary, or punitive damages, or for any loss of profits, data, goodwill, or other intangible losses, arising out of or relating to your use of (or inability to use) the service, even if we have been advised of the possibility of such damages. Our total liability for all claims relating to the service will not exceed the greater of the amount you paid us, if any, for the service in the twelve months before the event giving rise to the claim, or one hundred dollars ($100). Some jurisdictions do not allow certain of these limitations, so some may not apply to you.

10. Indemnification

You agree to indemnify, defend, and hold harmless Borrowly and its officers, members, 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 use or misuse of the service, your violation of these Terms, your violation of any law or the rights of any third party, or the information you submit through the service.

11. Arbitration and class-action waiver

Please read this section carefully — it affects your legal rights. You and Borrowly agree that any dispute, claim, or controversy arising out of or relating to these Terms or the service will be resolved by binding individual arbitration, rather than in court, except that either party may bring an individual claim in small-claims court if it qualifies. The arbitration will be administered by the American Arbitration Association (AAA) under its applicable consumer arbitration rules, and judgment on the award may be entered in any court with jurisdiction.

Class-action waiver. You and Borrowly agree that each may bring claims against the other only in an individual capacity, and not as a plaintiff or class member in any purported class, collective, or representative proceeding. The arbitrator may not consolidate more than one person’s claims or preside over any form of a class or representative proceeding.

30-day opt-out. You may opt out of this arbitration agreement within 30 days of first accepting these Terms by emailing connect@scorehq.co with your name and a statement that you wish to opt out of arbitration. Opting out will not affect any other part of these Terms.

12. Governing law

These Terms and any dispute arising out of or relating to them or the service are governed by the laws of the State of Wyoming, without regard to its conflict-of-laws rules. Subject to the arbitration section above, you agree that any dispute not subject to arbitration will be brought exclusively in the state or federal courts located in Wyoming, and you consent to the personal jurisdiction of those courts.

13. Changes to these terms

We may update these terms and will post the revised effective date here.

14. Contact

Questions: connect@scorehq.co. See also our Privacy Policy and Disclosures.