Disclaimer
Lighter Lending
Effective Date: May 1, 2026
Last Updated: June 1, 2026
Please read this Disclaimer carefully. It applies to your use of lighterlending.com and our related forms and services (the "Services"), and it supplements our Terms of Use, Privacy Policy, and Advertiser Disclosure.
1. Not a Lender
Lighter Lending (operated by Draper Company Ltd.) is a marketing and lead generation service. We are not a lender, bank, creditor, loan broker, credit repair organization, debt settlement or debt relief company, financial advisor, or credit counselor, and we are not an agent of any lender or provider. We do not make credit or lending decisions, do not issue or fund loans, and do not negotiate, settle, or alter any debt.
2. No Guarantee
Submitting your information does not guarantee that you will be contacted, matched, approved, or offered any loan, program, amount, rate, or term. Any loan, debt-relief program, or other product is offered solely by a third-party partner ("Partner") under that Partner's own terms, and approval and terms are determined by the Partner, not by us.
3. Not Financial, Legal, or Tax Advice
The Services and any content on the Site are for general informational purposes only and do not constitute financial, legal, tax, or credit advice. Nothing on the Site should be relied upon as a recommendation to enter into any transaction. You are solely responsible for evaluating any offer and for your own financial decisions, and you should consult a qualified professional about your specific situation.
4. Rates, APRs, and Terms
We do not set interest rates, Annual Percentage Rates (APRs), fees, or terms. These are set by Partners, vary by applicant, state, and creditworthiness, and are subject to change without notice. Any figures or examples shown on the Site are illustrative only, are not an offer of credit, and do not reflect your actual terms.
5. Debt-Relief Programs
If you are connected with a debt-relief or debt-settlement Partner, you understand that such a program is not a loan and does not provide you with funds. These programs typically require you to stop or reduce payments to your creditors, which will likely have a negative effect on your credit score and creditworthiness; your balances may grow due to continued interest, late fees, and penalties; creditors may continue collection efforts, including lawsuits; results are not guaranteed; and such programs are not available in all states and are not suitable for everyone. The Partner, not Lighter Lending, sets and discloses all fees and required disclosures before you enroll.
6. Third-Party Content and Links
The Site may reference or link to third-party websites, products, and services that we do not control. We do not endorse and are not responsible for the content, offers, accuracy, or practices of any third party. Any third-party names, logos, or marks are the property of their respective owners and are used for identification only; their display does not imply endorsement.
7. "As Is"
The Services are provided "as is" and "as available" without warranties of any kind to the fullest extent permitted by law. We do not warrant that the Services will be uninterrupted, secure, or error-free, or that any information will be accurate or complete. See our Terms of Use for the full disclaimer of warranties and limitation of liability.
8. Contact Us
Draper Company Ltd.
Attn: Privacy & Compliance
400 East Pikes Peak Avenue, Colorado Springs, CO 80903
Email: privacy@lighterlending.com