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Terms of Use

Lighter Lending

Effective Date: May 1, 2026
Last Updated: June 1, 2026

These Terms of Use ("Terms") are a binding agreement between you and Draper Company Ltd. ("Lighter Lending," "we," "us," or "our") governing your access to and use of lighterlending.com and our related forms and services (collectively, the "Services").

PLEASE READ THESE TERMS CAREFULLY. THEY INCLUDE A BINDING ARBITRATION AGREEMENT AND A CLASS ACTION WAIVER IN SECTION 14 THAT AFFECT YOUR LEGAL RIGHTS.

By accessing the Services, submitting your information, or clicking a button indicating acceptance, you agree to these Terms and to our Privacy Policy. If you do not agree, do not use the Services.

1. Eligibility

To use the Services, you must be at least 18 years of age (or the age of majority in your state), a legal resident of the United States, and able to form a binding contract. By using the Services, you represent and warrant that you meet these requirements.

2. What Lighter Lending Is, and What It Is Not

Lighter Lending is an online marketing and lead generation service. We operate a platform that collects information from consumers interested in loan and debt-relief products and connects them with third-party lenders, lending marketplaces, debt-relief and debt-settlement providers, financial-product providers, and marketing partners (collectively, "Partners").

We are not, and we do not act as:

  • a lender, bank, or creditor;
  • a loan broker or mortgage broker;
  • a credit repair organization;
  • a debt settlement, debt relief, debt adjustment, or debt management company;
  • a financial advisor, credit counselor, or fiduciary; or
  • an agent of any Partner.

We do not make credit or lending decisions, do not negotiate, settle, or alter any debt, and do not perform debt-relief services ourselves. We do not issue, fund, service, or set the terms of any loan or program. We do not guarantee that you will be contacted, matched, approved, or offered any loan, program, amount, rate, term, or product. Any loan, debt-relief program, or other product is provided solely by a Partner under that Partner's own terms and conditions.

2.1 Real-time marketplace

The Services operate as a real-time marketplace. Partners set the criteria for the consumers they want to reach (for example, state of residence, requested amount, debt level, or credit profile) and the price they will pay us for the opportunity to present an offer. When you submit a request, we transmit your information through our network and present it to Partners electronically until one or more Partners (often the highest bidder) accepts it, after which you may be directed to that Partner or contacted by them. Depending on your information and the criteria set by Partners, your information may be shared with up to ten (10) Partners per submission. We do not guarantee that any Partner will accept your request.

3. No Guarantee; No Financial Advice; Debt Relief Disclosures

3.1 General

The Services are provided for general informational and matching purposes only. Nothing on the Site constitutes financial, legal, tax, or credit advice, and nothing should be relied upon as a recommendation to enter into any transaction. Loan amounts, interest rates, APRs, fees, and terms are set by Partners, vary by applicant, and are subject to each Partner's underwriting and applicable law. You are solely responsible for evaluating any offer and for your financial decisions. We strongly encourage you to compare multiple offers and read all terms before accepting any loan or program.

3.2 Loan-forward routing

The Services may be advertised and presented as a way to obtain a personal loan, including for debt consolidation. You understand and agree that you may not qualify for a loan, and that if you do not qualify or do not proceed with a loan, we may present you with, or connect you to, alternative options, including debt-relief or debt-settlement programs offered by Partners. A debt-relief or debt-settlement program is not a loan and does not provide you with funds.

3.3 Debt relief program disclosures

If you are connected with a debt-relief or debt-settlement Partner, you understand and acknowledge that:

  • Enrolling in a debt-relief or debt-settlement program is not a loan and will not provide you with a lump sum of money.
  • Such 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 creditors may continue to charge interest, late fees, and penalties, your balances may grow, and your creditors or debt collectors may continue collection efforts, including lawsuits, while you are enrolled.
  • Results are not guaranteed. No one can guarantee that your debts will be reduced by any specific amount or settled within any specific time, and not all creditors will agree to negotiate or settle.
  • Lighter Lending does not charge you any fee. Any fees for a debt-relief program are charged by the Partner, are disclosed by the Partner before you enroll, and, consistent with federal law, may not be collected before the Partner has settled or otherwise resolved at least one of your enrolled debts and you have made at least one payment toward that settlement.

The specific cost, terms, conditions, and required disclosures for any debt-relief program will be provided to you directly by the Partner before you enroll. You should review them carefully and consider consulting a qualified financial or legal professional.

4. Your Information and Accuracy

You agree to provide information that is true, accurate, current, and complete, and to keep it updated. You agree not to submit information about any person other than yourself without their authorization. You acknowledge that the information you submit will be transmitted to Partners and used as described in our Privacy Policy. Submitting false, misleading, fraudulent, or third-party information without authorization is a material breach of these Terms.

5. Consent to Be Contacted (TCPA and E-SIGN)

5.1 Telephone, text, and email consent

By submitting your contact information through the Services, you provide your prior express written consent for Lighter Lending and our Partners to contact you at the telephone number(s) and email address you provide, including through automatic telephone dialing systems, autodialers, artificial or prerecorded voice messages, and text (SMS) messages, for marketing, servicing, and informational purposes regarding loan and financial products. This consent applies even if the number you provide is registered on any federal or state Do Not Call list.

You understand and agree that:

  • Consent is not a condition of purchasing any goods or services or of receiving any loan.
  • Message and data rates may apply, and message frequency may vary.
  • You may opt out of text messages by replying STOP, and request help by replying HELP.
  • You may revoke consent as described in our Privacy Policy. Revocation through Lighter Lending stops future contact from us; Partners are separate businesses and may need to be contacted directly.

5.2 Electronic communications consent (E-SIGN)

You consent to conduct business with us electronically and to receive disclosures, notices, agreements, and other communications from us and our Partners in electronic form. You agree that your electronic submissions, clicks, and acceptances constitute your electronic signature and have the same legal effect as a handwritten signature. To access electronic communications, you need a device with internet access, a current web browser, and a valid email address. You may withdraw this consent by contacting privacy@lighterlending.com, but doing so may prevent you from using the Services.

6. Authorization for Verification and Credit Inquiry

By using the Services, you are providing written instruction under the Fair Credit Reporting Act (FCRA) authorizing Lighter Lending, our Partners, and their service providers to obtain your consumer credit report, credit score, and related information from one or more consumer reporting agencies, and to use the information you provide, in order to verify your identity and determine your eligibility for loan and debt-relief products and present potential offers. You understand that inquiries conducted by Lighter Lending for eligibility purposes will be soft inquiries that do not affect your credit score, and that a Partner may conduct a hard inquiry, which may affect your credit score, only with your separate authorization if you proceed with a formal application.

7. Relationship With Partners

Partners are independent third parties. We do not control and are not responsible for the products, services, offers, terms, rates, decisions, acts, or omissions of any Partner. Any agreement you enter into with a Partner is solely between you and that Partner. Any dispute regarding a Partner's product or conduct must be resolved directly with that Partner. We make no representation or warranty regarding any Partner or its offerings.

Once your information is transmitted to a Partner, the Partner may retain and use it in accordance with its own privacy policy, whether or not you qualify for, are offered, or accept any loan, program, or product. To stop communications from a particular Partner, you must contact that Partner directly. We cannot retract or delete information already transmitted to a Partner.

8. How We Make Money (Advertiser Disclosure)

The Services are free to you. We are compensated by Partners, including on a per-lead, per-click, per-call, or per-funded-loan basis, when we refer consumers to them. This compensation may affect which Partners appear, whether they appear, and in what order. We do not include every lender or product available in the marketplace, and the offers presented may not represent the best terms available to you. This disclosure is provided so you can weigh our role when evaluating any offer.

9. License and Acceptable Use

We grant you a limited, revocable, non-exclusive, non-transferable license to access and use the Services for your personal, non-commercial use, subject to these Terms. You agree not to:

  • use the Services for any unlawful, fraudulent, or unauthorized purpose;
  • submit false information or impersonate any person or entity;
  • access the Services using bots, scrapers, or other automated means without our written permission;
  • interfere with, disrupt, probe, or attempt to gain unauthorized access to the Services or related systems;
  • reverse engineer, copy, modify, or create derivative works of the Services;
  • harvest or collect information about other users; or
  • introduce malware or any harmful code.

We may suspend or terminate your access at any time, with or without notice, for any reason, including suspected violation of these Terms.

10. Intellectual Property

The Services, including all text, graphics, logos, design, and software, are owned by Lighter Lending or its licensors and are protected by intellectual property laws. The "Lighter Lending" name and logo are our marks. Third-party names, logos, and marks displayed on the Site (including those of Partners) are the property of their respective owners and are used for identification only; their display does not imply endorsement by or of Lighter Lending. You may not use any of these marks without permission of the owner.

11. Disclaimer of Warranties

THE SERVICES ARE 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 WARRANTIES, INCLUDING IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE SERVICES WILL BE UNINTERRUPTED, SECURE, ERROR-FREE, OR THAT ANY INFORMATION WILL BE ACCURATE OR COMPLETE. WE DO NOT WARRANT THAT YOU WILL BE MATCHED WITH ANY PARTNER OR APPROVED FOR ANY LOAN OR PRODUCT.

12. Limitation of Liability

TO THE FULLEST EXTENT PERMITTED BY LAW, IN NO EVENT WILL LIGHTER LENDING OR ITS OFFICERS, DIRECTORS, EMPLOYEES, OR AGENTS 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 THE SERVICES OR ANY INTERACTION WITH A PARTNER, WHETHER BASED IN CONTRACT, TORT, OR ANY OTHER THEORY, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

OUR TOTAL AGGREGATE LIABILITY FOR ALL CLAIMS RELATING TO THE SERVICES WILL NOT EXCEED ONE HUNDRED U.S. DOLLARS ($100.00). SOME JURISDICTIONS DO NOT ALLOW CERTAIN LIMITATIONS, SO SOME OF THESE LIMITATIONS MAY NOT APPLY TO YOU.

13. Indemnification

You agree to indemnify, defend, and hold harmless Lighter Lending and its officers, directors, employees, and agents from and against any claims, liabilities, damages, losses, and expenses, including reasonable attorneys' fees, arising out of or related to your use of the Services, your information, your violation of these Terms, or your violation of any law or the rights of any third party.

14. Binding Arbitration and Class Action Waiver

PLEASE READ THIS SECTION CAREFULLY. IT REQUIRES YOU TO RESOLVE DISPUTES THROUGH BINDING INDIVIDUAL ARBITRATION AND WAIVES YOUR RIGHT TO A JURY TRIAL AND TO PARTICIPATE IN CLASS ACTIONS.

14.1 Agreement to arbitrate

You and Lighter Lending agree that any dispute, claim, or controversy arising out of or relating to these Terms or the Services ("Dispute") will be resolved by binding arbitration on an individual basis, rather than in court, except that either party may (a) bring an individual claim in small claims court if it qualifies, or (b) seek injunctive or other equitable relief in a court of competent jurisdiction for the alleged infringement or misuse of intellectual property or other proprietary rights. This agreement to arbitrate is governed by the Federal Arbitration Act.

14.2 Arbitration procedure

The arbitration will be administered by the American Arbitration Association (AAA) under its Consumer Arbitration Rules, as modified by these Terms. The arbitration will take place in El Paso County, Colorado or, at your election, in your county of residence, or by telephone or video where permitted. The arbitrator's decision will be final and binding and may be entered as a judgment in any court of competent jurisdiction.

14.3 Class action waiver

You and Lighter Lending 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, consolidated, or representative proceeding. The arbitrator may not consolidate more than one person's claims and may not preside over any form of class or representative proceeding.

14.4 30-day right to opt out

You may opt out of this arbitration agreement by sending written notice to privacy@lighterlending.com or 400 East Pikes Peak Avenue, Colorado Springs, CO 80903 within 30 days of first accepting these Terms. Your notice must include your name, the phone number you submitted, and a clear statement that you want to opt out of arbitration. Opting out will not affect any other part of these Terms.

14.5 Severability of this section

If the class action waiver in Section 14.3 is found unenforceable as to a particular claim, that claim will proceed in court, but the rest of this Section 14 will remain in effect.

14.6 Arbitration costs

Lighter Lending will pay the filing, administration, and case-management fees and the cost of the first day of arbitration. Remaining arbitration costs will be allocated under the AAA rules, and Lighter Lending will pay additional arbitration costs to the extent the arbitrator determines is necessary for this arbitration agreement to be enforceable. Each party is responsible for its own attorneys', expert, and other fees, unless awarded by the arbitrator under applicable law.

14.7 Administrator backstop

If the AAA is unwilling or unable to set a hearing date within 160 days of the filing of a Dispute, either party may elect to have the arbitration administered instead by JAMS under its applicable consumer arbitration rules.

14.8 Time limit to bring a claim

To the fullest extent permitted by law, any Dispute arising out of or relating to these Terms or the Services must be filed within one (1) year after the Dispute arose. Otherwise, the Dispute is permanently barred. This limitation does not apply where a longer period is required by applicable law and cannot be shortened by agreement.

15. Governing Law

Except for the arbitration agreement, which is governed by the Federal Arbitration Act, these Terms are governed by the laws of the State of Colorado, without regard to its conflict of laws principles. To the extent any Dispute proceeds in court, you and Lighter Lending consent to the exclusive jurisdiction and venue of the state and federal courts located in El Paso County, Colorado.

16. Changes to These Terms

We may modify these Terms at any time. When we do, we will update the "Last Updated" date and, where required, provide additional notice. Changes are effective when posted. Your continued use of the Services after changes are posted constitutes your acceptance of the revised Terms.

17. Termination

We may suspend or terminate your access to the Services at any time, for any reason, without notice or liability. Sections that by their nature should survive termination (including Sections 7 through 16 and 18) will survive.

18. General Provisions

  • Entire Agreement. These Terms, together with the Privacy Policy, Cookie Policy, and any other policies referenced on the Site, are the entire agreement between you and us regarding the Services and supersede all prior agreements.
  • Severability. If any provision is held unenforceable, the remaining provisions will remain in full force, and the unenforceable provision will be modified to the minimum extent necessary.
  • No Waiver. Our failure to enforce any provision is not a waiver of our right to do so later.
  • Assignment. You may not assign these Terms without our consent. We may assign these Terms freely.
  • Force Majeure. We are not liable for any failure or delay caused by events beyond our reasonable control.
  • Notices. We may provide notices to you electronically, including by email or by posting on the Site.

19. Contact Us

Draper Company Ltd.
400 East Pikes Peak Avenue, Colorado Springs, CO 80903
Email: privacy@lighterlending.com