1. Scope of These Terms
These Terms apply only to your use of this website and its content. They do not describe the terms of any loan.
If you apply for and receive a loan, the loan is governed by your Loan Agreement. If anything in these Terms conflicts with your Loan Agreement on a loan-related matter, your Loan Agreement controls.
2. Who We Are
In these Terms, "River Valley Loans," "we," "us," and "our" refer to Wahido Lending d/b/a River Valley Loans. "You" and "your" refer to any person who visits or uses this website.
3. Eligibility to Use the Website
You must be at least 18 years old to use this website to submit an application or other personal information. By using the website, you confirm that the information you provide is accurate and that you are authorized to provide it.
4. Permitted Use
You may use this website for lawful, personal, non-commercial purposes, such as learning about our products or submitting an application for yourself. When you use the website, you agree not to:
- Provide false, misleading, or incomplete information
- Apply on behalf of another person without their authorization
- Interfere with, disrupt, or attempt to gain unauthorized access to the website, its servers, or any connected systems
- Use automated tools, such as bots or scrapers, to access or copy content from the website
- Introduce viruses, malicious code, or other harmful material
- Use the website in any way that violates applicable law
We may suspend or restrict access to the website for anyone who does not follow these Terms.
5. Information You Submit
You are responsible for the accuracy of the information you submit through the website. Submitting an application does not mean it will be approved.
How we collect and verify information is described in our Data Collection policy. How we share information, and the choices you have, are described in our Privacy Policy.
6. Electronic Communications
When you use this website or submit an application, you may be asked to consent to receive records, disclosures, and notices electronically. That consent is described in our E-Consent disclosure.
7. Intellectual Property
The website and its content, including text, graphics, logos, illustrations, page designs, and the River Valley Loans name, are owned by or licensed to us. They are protected by applicable intellectual property laws.
You may view and print pages of the website for your own personal, non-commercial use. You may not copy, reproduce, modify, distribute, publicly display, or create derivative works from any part of the website without our prior written permission.
Nothing in these Terms grants you any right to use our names, logos, or trademarks.
8. Accuracy of Website Content
We work to keep the information on this website accurate and current. However, the content is provided for general information only and may change without notice.
Loan availability, eligibility requirements, and other details may change. The terms that apply to your loan are the ones set out in your Loan Agreement. Educational articles on this website are general in nature and are not legal, tax, or financial advice.
9. Third-Party Websites
This website may reference websites or services operated by others. We do not control those websites and are not responsible for their content, security, or practices. Your use of any third-party website is at your own risk and subject to that website's terms.
Be aware that websites with names similar to ours may exist. Only information accessed through the official River Valley Loans website is provided by us.
10. Disclaimer of Warranties
To the fullest extent permitted by applicable law, this website and its content are provided "as is" and "as available," without warranties of any kind, whether express or implied. This includes, without limitation, implied warranties of merchantability, fitness for a particular purpose, and non-infringement.
We do not warrant that the website will be uninterrupted, timely, secure, or free of errors or harmful components.
11. Limitation of Liability
To the fullest extent permitted by applicable law, River Valley Loans and its owners, officers, employees, and service providers will not be liable for any indirect, incidental, special, consequential, or punitive damages arising from or related to your use of, or inability to use, this website.
This limitation applies whether the claim is based on contract, tort, or any other legal theory, even if we were advised of the possibility of such damages. Some protections may not be limited under applicable law, and in those cases this section applies only to the extent the law allows.
12. Indemnification
You agree to indemnify and hold harmless River Valley Loans and its owners, officers, employees, and service providers from any claims, losses, or expenses arising from your misuse of the website or your violation of these Terms.
13. Governing Law
River Valley Loans is a tribal lending entity. These Terms and your use of this website are governed by applicable Tribal law and applicable federal law.
14. Dispute Resolution and Arbitration
Any dispute arising from or relating to your use of this website may be resolved through arbitration, under the governing law described in Section 13, to the extent permitted by applicable law.
Any dispute relating to a loan is handled as set out in your Loan Agreement, including any dispute resolution or arbitration terms it contains.
15. Changes to These Terms
We may update these Terms from time to time. When we do, we will post the updated version on this page. Your continued use of the website after changes are posted means you accept the updated Terms.
16. Severability and Waiver
If any part of these Terms is found to be unenforceable, the remaining parts will stay in effect. Our failure to enforce any part of these Terms is not a waiver of our right to enforce it later.
17. Contact Us
If you have questions about these Terms of Use, please reach us through our Contact Us page.