Acceptable Use Policy

This Acceptable Use Policy (“Policy”) describes the types of conduct prohibited when using Loan Factory’s services (“Services”). Capitalized terms not defined in this Policy have the meanings set forth in our Terms & Condition. If you have questions about this Policy, contact us.

Loan Factory provides its Services to help users express themselves, build their brands, and grow their businesses. We encourage creativity and responsible use. By using our Services, you agree not to misuse the Services or assist anyone else in doing so.

1. Abusing Or Disrupting The Services

You may NOT

• 1.1. Probe, scan, or test the vulnerability of any system or network
• 1.2. Bypass security or authentication measures.
• 1.3. Access nonpublic areas of the Services or shared areas without authorization.
• 1.4. Interfere with or disrupt users, hosts, or networks, including distributing malware or overloading the Services.
• 1.5. Decompile, reverse engineer, or attempt to access source code, algorithms, or underlying infrastructure.
• 1.6. Access the Services through unsupported means (e.g., scraping, spidering, crawling).
• 1.7. Impose an unreasonable load on our infrastructure or third-party providers.
• 1.8. Share credentials or use another person’s login information.

2. Spamming And Phishing

You may NOT

• 2.1. Send unsolicited communications, promotions, or advertisements.
• 2.2. Send falsified source-identifying information, including phishing or spoofing attempts.

3. Deceiving And Impersonating Others

You may NOT

• 3.1. Engage in false, fraudulent, or misleading conduct.
• 3.2. Impersonate another person, company, or entity.
• 3.3. Engage in misleading or unethical marketing or advertising.

4. Unauthorized Transactions and Use

You may NOT

• 4.1. Use unauthorized payment methods.
• 4.2. Promote products or services without proper authorization.
• 4.3. Sell, redistribute, or use the Services on systems not authorized by Loan Factory.

5. Intellectual Property and Privacy

You may NOT

• 5.1. Infringe or misappropriate intellectual property rights.
• 5.2. Violate anyone’s privacy or publicity rights.

6. Harassment and Offensive Conduct

You may NOT

• 6.1. Post threatening, harassing, abusive, excessively violent, offensive, sexually explicit, or obscene content.
• 6.2. Advocate bigotry or hatred against any person or group based on race, ethnicity, nationality, religion, gender, sexual orientation, age, or disability.

7. Legal Compliance

You may NOT

• 7.1 Use the Services in violation of U.S. export controls, regulations, or sanctions.
• 7.2 Violate any applicable law, including local laws regarding online conduct and content.

8. Enforcement and Remedies

If Loan Factory determines that you have violated this Policy or engaged in other abusive conduct, we may:

• Remove content, suspend or terminate your account or access to the Services, without notice and without refund.
• Take other actions necessary to protect our Services, users, or legal interests.

We reserve the right, in our sole discretion, to enforce this Policy and to modify it at any time. The most current version will always be posted on our website. If a modification materially reduces your rights, we will notify you in accordance with our Terms & Conditions.

You can report violations of these guidelines to us directly by emailing info@loanfactory.com.