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Loans Of The Day Banner

Lending with the power of big data, predictive analytics, artificial intelligence, and machine learning.

We've been lending online since 2008. We lend at least $25 to every loan (1) listed here. Our January 2014 to Present (2) performance is +42.05%.

Terms of Use

Last Updated December 9, 2016

Loans of the Day LLC, a Wisconsin limited liability company (referred to in these Terms of Use as "LOTD," "we," "us," or "our"), operates this website, including the web pages located on the domain loansoftheday.com (the "Site"). By using or accessing the Site you signify your agreement to these Terms of Use and LOTD’s Privacy Policy, which can be found at https://loansoftheday.com/Policy/Privacy and which is incorporated herein by reference. If you do not agree to these Terms of Use, do not access the Site, or any pages thereof.

We may modify these Terms of Use from time to time in our sole discretion. You are expected to carefully review these Terms of Use from time to time so you are aware of any changes, as they are binding on you. However, if we make material changes to these Terms of Use, we will notify you by means of a prominent notice on the Site before the changes become effective. Your continued use of the Site constitutes your binding acceptance to these Terms of Use, including any changes or modifications that we may make. If any part of these Terms of Use or any future changes to these Terms of Use are not acceptable to you, do not use or access the Site.

This Site is offered and available to users who are 13 years of age or older. By using this Site, you represent and warrant that you meet all of the foregoing eligibility requirements. If you do not meet all of these requirements, do not access or use the Site.

Intellectual Property

These Terms of Use permit you to use the Site exclusively for personal, noncommercial use. The Site and all information and content contained therein is protected by contract law and various intellectual property laws, including domestic and international copyright laws. You must not reproduce, distribute, modify, create derivative works of, publicly display, publicly perform, republish, download, store or transmit any of the material on the Site, except that your computer may temporarily store copies of such materials in RAM incidental to your accessing and viewing those materials, and you may store files that are automatically cached by your web browser for display enhancement purposes. You may print or download information from the Site only for business use as it relates to your relationship with LOTD, and not for further reproduction, publication or distribution, provided you keep intact all copyright and other proprietary notices.

These Terms of Use do not grant you any right, title, interest, license (express or implied) to any patent, trademark, service mark, copyright, trade secret or other intellectual property right of LOTD. Modification of any content on the Site is explicitly prohibited. You are also prohibited from utilizing this Site in any way that would damage its content or visibility for other visitors. As between LOTD and you, LOTD has and retains exclusive and valid ownership of the Site, the names and marks thereof, and all intellectual property, proprietary rights and documentation therein, and you acknowledge that the foregoing constitute valuable assets and may constitute trade secrets of LOTD. LOTD, and its associated logos, and all page headers, custom graphics, and other icons are service marks, trademarks, registered service marks, or registered trademarks of LOTD. All other product names and company logos mentioned on the Site or in the information or content contained therein are trademarks of their respective owners. In addition to complying with all applicable laws, you agree that you will not use any such trademarks, service marks, trade dress, or other logos from this Site without the prior written authorization of LOTD. You agree that you will not remove, alter or obscure any copyright, legal or proprietary notices in or on any portions of the Site or the information and content contained therein.

If you print, copy, modify, download or otherwise use or provide any other person with access to any part of the Site in breach of these Terms of Use, your right to use the Site will cease immediately and you must, at our option, return or destroy any copies of the materials you have made. Any use of the Site not expressly permitted by these Terms of Use is a breach of these Terms of Use and may violate copyright, trademark and other laws.

Copyright Infringement

The Digital Millennium Copyright Act of 1998 (the "DMCA") provides recourse for copyright owners who believe that material appearing on the Internet infringes their rights under U.S. copyright law. The procedure under the DMCA for takedown notice is given below. See http://loc.gov/copyright/ for the most current statutory requirements.

If you believe in good faith that materials displayed on the Site infringe your copyright, you (or your agent) may contact: Copyright Agent, Legal Department, Brad Darnell; email: admin@lgiresearch.com, with the following information: (i) an electronic or physical signature of the person authorized to act on behalf of the owner of the copyright or trademark interest; (ii) a description of the copyrighted work(s) or trademark(s) that You claim has been infringed; (iii) a description of where the material that you claim is infringing is located on the website; (iv) your address, telephone number, and email address; (e) a written statement by you that you have a good faith belief that the disputed use is not authorized by the copyright or trademark owner, its agent, or the law; and (f) a statement by you, made under penalty of perjury, that the above information in your notice is accurate and that you are the copyright or trademark owner or authorized to act on the copyright or trademark owner’s behalf. Please note that you will be liable for damages (including costs and attorneys’ fees) if you materially misrepresent that any material on our sites is infringing your copyrights.

Prohibited Uses

You may use the Site only for lawful purposes and in accordance with these Terms of Use. You agree not to: (i) use the Site in any way that violates federal, state, local or international law or regulation; (ii) introduce any viruses, trojan horses, worms, logic bombs or other material which is malicious or technologically harmful; (iii) attempt to gain unauthorized access to, interfere with, damage, disrupt or circumvent any of the security features of any part of the Site, the server on which the Site is stored, or any server, computer or database connected to the Site; and (iv) otherwise attempt to interfere with the proper working of the Site.

Informational Content

The information presented on or through the Site is made available solely for informational purposes. The Site is limited to the dissemination of general information. LOTD uses reasonable efforts to update the information on the Site. However, the contents of the Site are subject to change without notice. LOTD makes no representations or warranties as to the accuracy, reliability or completeness of any information on the Site. Any reliance you place on such information is strictly at your own risk. We disclaim all liability and responsibility arising from any reliance placed on such materials by you or any other visitor to the Site, or by anyone who may be informed of any of its contents.

With regard to the Site, LOTD is a publisher. You understand that no content published on the Site constitutes a recommendation that any particular investment, security, portfolio of securities, transaction or investment strategy is suitable for any specific person. You further understand that none of the creators or providers of our Site’s content or their affiliates will advise you personally concerning the nature, potential, value or suitability of any particular investment, security, portfolio of securities, transaction, investment strategy or other matter. Accordingly, do not attempt to contact them or us seeking personalized investment advice, which they and we cannot provide. To the extent any of the content published on the Site may be deemed to be investment advice, such information is impersonal and not tailored to the investment needs of any specific person. You understand that the views expressed on the Site are the authors’ own opinions. Trading in securities (including, without limitation, Peer-2-Peer notes, marketplace loans, stocks, options, ETFs and bonds) involves risk and volatility. Past results are not necessarily indicative of future performance.

This Site may include content provided by third parties. Content written or provided by third parties which may include, without limitation, text, data, loan data, graphics, photographs, videos, or downloadable code or programs ("Third-Party Content") is not subject to LOTD’s investment policy and LOTD makes no representations regarding Third-Party Content. All statements and/or opinions expressed in these materials, and all content other than the content provided by LOTD, are solely the opinions and the responsibility of the person or entity providing those materials. These materials do not necessarily reflect the opinion of LOTD. We are not responsible, or liable to you or any third-party, for any Third-Party Content or the content or accuracy of any other materials provided by any third parties.

You understand that performance data used by LOTD is supplied by sources reasonably believed to be reliable, that the calculations therein are made using such data, and that such calculations are not guaranteed by these sources, the information providers, or any other person or entity, and may not be complete. In addition, past performance is not an indication of future results.

From time to time, reference may be made in our marketing materials to prior articles and opinions we have published. These references may be selective, may reference only a portion of an article or recommendation, and may not be current. As markets change continuously, previously published information and data may not be current and should not be relied upon.

To the extent any of our Services involves a model portfolio of investments, as described below, such portfolio of investments is chosen by the author in accordance with their stated investment strategy. Your actual results may differ from results reported for the portfolio for many reasons, including, without limitation:

Each model portfolio only provides investment ideas, to be used for informational purposes only. Furthermore, to avoid any impropriety, any member of LOTD’s staff that provides information on a model portfolio is prohibited from owning any individual stocks or securities found in the applicable model portfolio. The information, research, and opinions contained on our Site have been obtained or derived from sources believed to be reliable, but we cannot guarantee its accuracy and completeness nor the opinions based thereon. You should not rely solely upon the research herein for purposes of transacting securities or other investments, and you are encouraged to conduct your own research and due diligence, and to seek the advice of a qualified securities professional before you make any investment. None of the information contained on our Site is intended to constitute a recommendation by us of any particular security or trading strategy or a determination by us that any security or trading strategy is suitable for any specific person. Investing in the securities chosen in any of LOTD’s model portfolios is risky and speculative. Trading in any security can result in immediate and substantial losses of the money invested. It is recommended that you only invest funds that are not allocated for other purposes, such as retirement savings, student loans, mortgages, education, or debt reduction.

Third-Party Sites and Links

This Site may contain links to other Internet sites that our business partners and other third parties own or operate. Your use of each of those sites is subject to the terms and conditions, if any, that each of those sites have posted. We have no control over third-party sites and we are not responsible for any changes to or content on such third-party sites. Our inclusion of any content or link is not an endorsement, authorization, sponsorship or affiliation with respect to such content or link or of the companies that own or operate the content or linked sites.

Registration and Privacy

In order to gain access to portions of the Site, you must become a member by choosing a unique user name, member name and password, and supply us with true, accurate, current and complete information about yourself, as required on the registration page. We may refuse to grant you a user name and member name that is threatening, abusive, offensive, harassing, derisive, defamatory, vulgar, obscene, libelous, invasive of another’s privacy, impersonates someone else, is or may be protected by trademark or proprietary rights law, or is hatefully, racially, ethnically or otherwise objectionable, or inappropriate, as determined by us in our sole discretion. In consideration of your use of the Site, you represent that you are of legal age to form a binding contract and are not a person barred from using a Site such as ours under the laws of the United States or other applicable jurisdiction. You also agree to: (i) provide true, accurate, current and complete information about yourself as prompted on the Site; and (ii) maintain and promptly update your registration data to keep it true, accurate, current and complete.

Our policy with respect to the collection and use of your personal information is set forth in our Privacy Policy.

As a member, you also have certain other obligations relating to your account:

A maximum of three simultaneous log-ins are allowed per account. This simultaneous login limit applies to the total number of logins at any given time regardless of device type (i.e., computers, tablets, mobile devices, etc.).

Social Media Features and Linking to the Site

The site may provide certain social media features that enable you to:

You may use these features solely as they are provided by us and solely with respect to the content they are displayed with.

You may link to our homepage at http://www.loansoftheday.com, provided you do so in a way that is fair and legal and does not damage our reputation or take advantage of it, but you must not establish a link in such a way as to suggest any form of association, approval or endorsement on our part without our express written consent. Subject to the foregoing, you must not:

You agree to cooperate with us in causing any unauthorized framing or linking immediately to cease. We reserve the right to withdraw linking permission without notice.

We may disable all or any social media features and any links at any time without notice in our discretion.

User Conduct

If requested by LOTD, You may not republish, upload, post, transmit or distribute content available through the Site to online bulletin boards, message boards, newsgroups, chat rooms, or in other any manner, without our prior written permission. Modification of the content or use of the content for any purpose other than your own personal, noncommercial use is a violation of our copyright and other proprietary rights, and can subject you to legal liability.

In addition, you agree not to:

You also agree that at all times you will:

Furthermore, we have a policy of terminating the accounts of repeat violators of the terms of this Terms of Use. Each user agrees that if his or her member account is terminated under this policy, the user will not attempt to establish a new account or otherwise post content under any name, real or assumed, and further agrees that if the user violates this restriction by opening a new account or otherwise posting content after being terminated pursuant to this policy, the user shall indemnify and hold us harmless for any and all liability that we may incur therefor.

Online Payment

Payment to the Company for products and services is made using a third party payment service provider ("Payment Service Provider"). You may only use the acceptable payment methods listed on the Payment Service Provider’s website. By purchasing products or services through the Site, you agree to the terms and conditions of the Payment Service Provider, if any, posted or presented at the time of payment. When you submit a payment using the Payment Service Provider, you are authorizing the Payment Service Provider to process your payment and complete the transaction. You are responsible for confirming the accuracy of the information provided with such payment. LOTD does not store any of your payment information. The Payment Service Provider is solely responsible for processing any refunds. You agree that the Company will not be liable for any and all reversals, chargebacks, claims, fees, fines or penalties related to payments made using the Payment Service Provider.

Risk Allocation

WE DISCLAIM ANY AND ALL RESPONSIBILITY OR LIABILITY FOR THE ACCURACY, COMPLETENESS, LEGALITY, RELIABILITY, OR OPERABILITY OR AVAILABILITY OF INFORMATION OR CONTENT. WE DISCLAIM ANY RESPONSIBILITY FOR ANY HARM RESULTING FROM DOWNLOADING OR ACCESSING ANY INFORMATION OR CONTENT FROM THE SITE. WE DO NOT MAKE ANY WARRANTY AS TO THE RESULTS TO BE OBTAINED FROM USE OF THE SITE. THE SITE AND THE CONTENT ARE DISTRIBUTED ON AN "AS IS, AS AVAILABLE" BASIS. ANY CONTENT DOWNLOADED OR OTHERWISE OBTAINED THROUGH THE SITE IS DONE AT YOUR OWN DISCRETION AND RISK, AND YOU WILL BE SOLELY RESPONSIBLE FOR ANY POTENTIAL DAMAGES THAT RESULT FROM THE DOWNLOAD OF ANY SUCH CONTENT. WE DO NOT MAKE ANY WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING, WITHOUT LIMITATION, WARRANTIES OF TITLE OR IMPLIED WARRANTIES OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE, WITH RESPECT TO THE SITE. YOU EXPRESSLY AGREE THAT YOU WILL ASSUME THE ENTIRE RISK AS TO THE QUALITY AND PERFORMANCE OF THE SITE AND THE ACCURACY OR COMPLETENESS OF ITS CONTENT.

IN NO EVENT SHALL LOTD, ITS PARENTS, SUBSIDIARIES, AFFILIATES, RELATED COMPANIES, OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, REPRESENTATIVES, PARTNERS, AND LICENSORS (THE "COMPANY ENTITIES") BE LIABLE FOR ANY DAMAGES, INCLUDING, WITHOUT LIMITATION, DIRECT, INDIRECT, INCIDENTAL, SPECIAL OR CONSEQUENTIAL DAMAGES, PERSONAL INJURY/WRONGFUL DEATH, LOST PROFITS, OR DAMAGES RESULTING FROM THE USE OF OR INABILITY TO USE THE LOTD SITE, THE CONTENT, OR ARISING OUT OF THE USE OF OR INABILITY TO USE THE SITE, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES, WHETHER BASED ON WARRANTY, CONTRACT, TORT, OR ANY OTHER LEGAL THEORY, AND WHETHER OR NOT THE COMPANY ENTITIES HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

Modifications, Interruption of Service and Account Security

LOTD reserves the right to modify or discontinue this Site with or without notice to the user. LOTD shall not be liable to the user or any third-party should LOTD exercise its right to modify or discontinue the Site. We do not guarantee continuous, uninterrupted or secure access to the Site. The operation of the Site may be interfered with or adversely affected by numerous factors or circumstances outside of our control or through acts of God.

To access the Site or some of the resources it offers, you may be asked to provide certain registration details or personal information. It is a condition of your use of the Site that all the information you provide on the Site is correct, current and complete. You agree that all information you provide to register with this Site or otherwise is governed by our Privacy Policy, and you consent to all actions we take with respect to your information consistent with our Privacy Policy.

If you choose, or are provided with, a user name, password or any other piece of information as part of our security procedures, you must treat such information as confidential, and you must not disclose it to any other person or entity. You also acknowledge that your account is personal to you and agree not to provide any other person with access to this Site or portions of it using your user name, password or other security information. You agree to notify us immediately of any unauthorized access to or use of your user name or password or any other breach of security. We have the right to disable any user name, password or other identifier, whether chosen by you or provided by us, at any time in our sole discretion for any or no reason, including if, in our opinion you have violated any provision of these Terms of Use.

Geographic Restrictions

LOTD makes no representations that the information on the Site is appropriate or available for use in all locations. Use of or access to the Site may not be legal by certain persons or in certain countries. By using or accessing this Site, you do so on your own initiative and are responsible for compliance with applicable local laws.

By using or accessing the Site, you consent to the transmission of your personal information, including your name, email address, and phone number to the United States, and you acknowledge and accept all liability and responsibility arising from the transmission of such information to the United States.

Indemnification

You agree to defend, indemnify and hold harmless the Company Entities and their successors and assigns from and against any claims, liabilities, damages, judgments, awards, losses, costs, expenses or fees (including reasonable attorneys’ fees) arising out of or relating to your violation of these Terms of Use or your use of the Site, including, but not limited to, any use of the Site’s content or services other than as expressly authorized in these Terms of Use or your use of any information obtained from the Site.

General

These Terms of Use are governed by and construed in accordance with the laws of the State of Wisconsin, exclusive of its choice of law rules. In any action to enforce these terms and conditions, the prevailing party will be entitled to costs and reasonable attorneys’ fees. Nothing in these Terms of Use limits either party's ability to seek equitable relief. LOTD shall be entitled to reasonable attorneys’ fees and costs in connection with enforcing any provision of these Terms of Use. No waiver by LOTD of any term or condition set forth in these Terms of Use shall be deemed a further or continuing waiver of such term or condition, and any failure by LOTD to assert a right or provision under these Terms of Use shall not constitute a waiver of such right or provision. These Terms of Use constitute the entire agreement between you and the Parties with respect to the Site, and supersedes all previous written or oral agreements. If any part of these Terms of Use is determined to be invalid or unenforceable pursuant to applicable law, then the invalid or unenforceable provision will be deemed superseded by a valid, enforceable provision that most closely matches the intent of the original provision and the remainder of the Terms of Use shall continue in effect. Some states do not allow exclusion of implied warranties or limitation of liability for incidental or consequential damages, so the above limitations or exclusions may not apply to you. In such states, our liability and that of our third-party content providers and their respective agents shall be limited to the greatest extent permitted by law.

Contact Information

All feedback, comments, requests for technical support and other communications relating to the Site should be directed to LOTD at admin@lgiresearch.com.