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Terms of Service

Last Updated: April 2026

01. Acceptance

By accessing SummitRate ("the Site"), you agree to these binding Terms. If you disagree, do not use the Site.

02. Service Description

SummitRate operates a digital lending marketplace. We are not a bank or direct lender. Loan terms are determined by independent partners.

03. Eligibility

You must be 18+, a U.S. citizen or permanent resident, have verifiable income, and an active bank account.

04. Electronic Consent

You consent to receive all communications electronically, including disclosures and loan documents.

05. Intellectual Property

All site content is property of SummitRate and protected by U.S. copyright law.

06. Limitation of Liability

SummitRate shall not be liable for any damages arising from use of the Site or services.