Effective Date: October 22, 2025
By accessing or using the services provided through this website, you agree to be bound by these Terms of Use (the "Agreement") and our Privacy Policy. If you do not agree to these terms, you may not access or use our services.
The terms "we," "us," or "our" refer to SmallBalanceLoans.com, a division of Event Media 770 Corp.with a principal business address at 499 Chestnut Street Cedarhurst, NY 11516. The terms "you" and "your" refer to the individual accessing or using the Services at www.smallbalanceloans.com whether personally or on behalf of an organization.
The term "Services" refers to the website located at SmallBalanceLoans.com, including all related subdomains, mobile applications, emails, widgets, and other online features, tools, or platforms made available by us.
The term "Content" includes, without limitation, all text, images, videos, graphics, code, user submissions, layouts, interfaces, designs, and other materials or information made available on or through the Services.
You acknowledge that your use of SmallBalanceLoans.com and its services constitutes valid and sufficient consideration for entering into this Agreement. This includes, but is not limited to, your access to and use of the website, and your ability to submit or receive information through our platform.
By using our Services, you represent and warrant that you have the legal capacity to enter into this Agreement. If you are using the Services on behalf of a company or other legal entity, you affirm that you are authorized to bind that entity to these terms.
To help ensure compliance with this Agreement, we reserve the right to monitor your use of the Services, as permitted by our Privacy Policy and applicable law.
Your right to access and use the Services provided by SmallBalanceLoans.com is personal to you and may not be assigned, transferred, or shared with any other individual or entity. You may only access and use our Services for lawful purposes and in accordance with this Agreement and our Privacy Policy.
Please note that access to our Services may be interrupted or unavailable from time to time for reasons that include, but are not limited to, equipment malfunction, updates, scheduled maintenance, or other actions that we, in our sole discretion, choose to take. We reserve the right to suspend, discontinue, or restrict access to the Services, or any part thereof, at any time and without prior notice.
You agree not to engage in any activity that, in our sole discretion:
You also agree not to copy, modify, frame, embed, scrape, or otherwise misuse any part of our Services without our prior written consent.
When you use SmallBalanceLoans.com to submit a request for a quote, product, or service (a "Request"), you agree that your information may be shared with relevant third-party Service Providers. By submitting a Request, you expressly consent to being contacted directly by these third parties via phone, email, text message, postal mail, or other communication methods—even if your number is listed on any Federal, State, National Do Not Call Registry or any similar lists.
You also understand and agree that Service Providers may conduct necessary research—including obtaining consumer reports or credit inquiries—to respond to your Request. This may involve sharing your information with credit bureaus or data providers. If you do not wish to undergo this process, please refrain from submitting a Request through our platform.
SmallBalanceLoans.com provides a platform through which users may access general information and be introduced to third-party financial professionals, including but not limited to lenders, broker-dealers, insurance agents, mortgage brokers, financial brokers, and other service providers ("Service Providers"). We do not endorse, recommend, or guarantee the products, services, or qualifications of any Service Provider. We are not your agent, advisor, or fiduciary, and we do not verify or evaluate the licensing, certification, or professional background of Service Providers. It is solely your responsibility to conduct due diligence before engaging with any Service Provider.
You acknowledge that all decisions regarding financial products, services, or providers are made at your own discretion. You are encouraged to consult with licensed financial advisors, attorneys, or other qualified professionals who understand your unique situation before making any financial commitments. Any interactions or transactions between you and a Service Provider are solely between you and that provider, and SmallBalanceLoans.com disclaims any and all liability related to those relationships.
SmallBalanceLoans.com is not a lender, mortgage broker, broker-dealer, insurer, broker or financial institution. We do not offer financial products, make credit decisions, or issue any form of loan, insurance policy, or investment. Our service is strictly limited to introducing users to potential Service Providers who may offer such products.
We do not provide any of the following documents:
We make no representations or warranties regarding the pricing, terms, rates, products, services, or outcomes provided by any Service Provider. We do not guarantee that any offer you receive is the best available or suitable for your needs. All terms and availability are set by the individual Service Providers and are subject to change.
By using our Services, you release SmallBalanceLoans.com and its affiliates from any and all liability, losses, damages, or claims arising out of or related to your use of any Service Provider's products or services.
If you access our Services through a mobile device or application, your carrier's standard data and messaging rates may apply. Use of our mobile Services is also subject to this Agreement and any additional terms provided within the app.
You are solely responsible for obtaining and maintaining all necessary equipment and services required to access and use our Services, including but not limited to, internet access, computer hardware, and telecommunication services. You are also responsible for any associated costs, including internet and long-distance charges.
Our Services may contain links to or allow access to third-party websites or services, including those of our affiliates, partners, service providers, or advertisers. For example, third party providers may access your credit report from TransUnion or other credit bureaus. These links and integrations do not represent an endorsement by us, and we do not warrant the offerings of any such third parties.
We are not responsible for the policies, content, products, or services of any third party, nor do we guarantee the terms, rates, or reliability of services advertised through our platform. You are encouraged to independently evaluate the suitability and legality of any third-party content or service.
All names, logos, trademarks, service marks, page headers, icons, scripts, and other elements displayed through our Services—along with all content, layouts, designs, and visual presentation—are trademarks, service marks, or trade dress owned by SmallBalanceLoans.com or its affiliates in the United States and/or other jurisdictions (collectively, the "Proprietary Marks"). You may not use, copy, reproduce, or distribute the Proprietary Marks without our prior written consent.
We acknowledge the rights of any third-party trademarks or service marks that may appear on our Services. Such third-party marks are the property of their respective owners, and their inclusion does not imply endorsement or association.
We also own the copyright in the collective work formed by the selection, coordination, arrangement, and enhancement of all content made available through our Services (the "Collective Work"). In addition, all software, functionality, and source code used within our Services (the "Software") is either our proprietary property or licensed from third-party providers and is protected under U.S. and international copyright and intellectual property laws.
Accessing, downloading, printing, or otherwise using any part of our Services does not grant you any ownership rights or licenses to the Content, the Collective Work, the Software, or any Proprietary Marks.
You agree to be solely responsible for any claims, damages, or losses arising out of your unauthorized use of our intellectual property or any infringement of third-party rights. This includes, but is not limited to, damages resulting from copying, redistributing, transmitting, publishing, or otherwise using protected material in violation of this Agreement.
THE SERVICES, INCLUDING ALL CONTENT, SOFTWARE, PRODUCTS, AND SERVICES MADE AVAILABLE THROUGH SMALLBALANCELOANS.COM, ARE PROVIDED "AS IS" AND "AS AVAILABLE," WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, OR ACCURACY.
WE DO NOT WARRANT THAT THE SERVICES WILL BE UNINTERRUPTED, ERROR-FREE, OR COMPLETELY SECURE. WE DISCLAIM ALL LIABILITY FOR DAMAGES ARISING FROM THE USE OR INABILITY TO USE THE SERVICES, INCLUDING, WITHOUT LIMITATION, DIRECT, INDIRECT, INCIDENTAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.
You agree to indemnify, defend, and hold harmless SmallBalanceLoans.com, its owners, affiliates, officers, directors, employees, agents, licensors, suppliers, and representatives from and against any and all claims, liabilities, damages, losses, costs, and expenses (including reasonable attorneys' fees) arising out of or related to:
This indemnification obligation will survive your use of the Services and any termination of this Agreement.
If any dispute arises out of or relates to your use of SmallBalanceLoans.com's referral services or this Agreement (the "Referral Agreement"), such dispute shall first be addressed through good faith negotiations between the parties.
Referral Agreement Disputes:
For any disputes arising solely from this Referral Agreement or your use of SmallBalanceLoans.com referral platform, and after attempting good faith resolution, both you and SmallBalanceLoans.com agree to submit the dispute to binding arbitration administered by the American Arbitration Association ("AAA") under its Commercial Arbitration Rules and Procedures.
Arbitration shall be conducted by a single arbitrator in accordance with the AAA rules, which are available at www.adr.org.
The arbitration will be held in New York, NY. Judgment upon the arbitration award may be entered in any court having jurisdiction.
This arbitration clause does not preclude either party from seeking injunctive relief in a court of competent jurisdiction when necessary to protect its rights.
By using SmallBalanceLoans.com referral services, you acknowledge and agree to these dispute resolution terms.
The services provided by SmallBalanceLoans.com are intended for use by adults only and are not directed to individuals under the age of 18. We do not knowingly collect or solicit any personally identifiable information from anyone under the age of 13. If you are under 13, please do not use our services or submit any personal information through the site. If we become aware that we have inadvertently received information from a child under 13, we will take steps to delete such information promptly in accordance with our Privacy Policy.
When you visit our Services or send us emails, you are communicating with us electronically. By using our Services, you consent to receive communications from us electronically. While we may occasionally choose to contact you via regular mail, we may also communicate with you via email or by posting notices on our Services. You agree that all agreements, notices, disclosures, and other communications provided to you electronically satisfy any legal requirement that such communications be in writing.
All content, services, and products available through our Services are provided on an "as is" and "as available" basis. We make no warranties or representations of any kind, express or implied, as to the operation of our Services or the information, content, materials, products, or services included therein. Your use of our Services is at your sole risk.
We expressly disclaim all warranties, including but not limited to, the implied warranties of merchantability, fitness for a particular purpose, accuracy, completeness, reliability, and non-infringement. We do not guarantee that the Services or any files available for download are free of harmful code or viruses. You are solely responsible for evaluating the accuracy and usefulness of any content, and for protecting your system from potential damage.
You acknowledge that:
To the maximum extent permitted by law, neither we nor our affiliates, employees, officers, directors, shareholders, agents, or independent contractors shall be liable for any indirect, incidental, special, or consequential damages, including but not limited to lost profits or business opportunities, arising from:
Our total liability to you for any claim arising out of or relating to this Agreement or your use of our Services shall not exceed one hundred U.S. dollars ($100).
You also agree that:
You agree to defend, indemnify, and hold harmless us and our officers, directors, employees, contractors, affiliates, agents, and shareholders from any and all claims, liabilities, damages, losses, and expenses (including legal fees) arising out of:
We reserve the right to modify or update this Agreement at any time at our sole discretion, without prior notice. Material changes will be communicated, such as by posting a notice on our website or application. All changes become effective immediately upon posting. You are encouraged to periodically review this Agreement. Continued use of our Services constitutes your acceptance of any modifications.
The last updated date will be indicated at the top of this Agreement.
You acknowledge that a breach of this Agreement may cause us irreparable harm for which monetary damages may be inadequate. Therefore, we shall be entitled to injunctive or equitable relief to prevent or remedy such a breach, without the need to post bond or prove actual damages.
Any action or proceeding relating to this Agreement must be brought in the courts of New York, NY and you consent to jurisdiction in those courts.
If any provision of this Agreement is found to be unlawful, void, or unenforceable by an arbitrator or court of competent jurisdiction, the remaining provisions shall remain in full force and effect. Only the portion determined to be unlawful, void, or unenforceable shall be deemed severed from this Agreement.
The headings used in this Agreement are for reference purposes only and shall not affect the meaning or interpretation of any provision of this Agreement.
All covenants, agreements, representations, and warranties made in this Agreement, as amended from time to time, shall survive your acceptance of this Agreement and any termination thereof.
This Agreement, together with our Privacy Policy, constitutes the entire understanding and agreement between you and us concerning the subject matter herein, and supersedes all prior agreements, understandings, and representations related to such subject matter.
If you have any questions or communications related to the Services or this Agreement, please contact us at:
legal@smallbalanceloans.com
By providing us with your email address, postal address, or phone number, you consent to be contacted by us or our agents at those contact points (including via text message), in connection with the Services or our agreements with you, in accordance with our Privacy Policy.