Disclaimer

LendEval is an educational pre-application readiness tool. All content, scores, evaluations, recommendations, and outputs provided by this Platform are intended solely for informational and educational purposes.

Nothing on this Platform constitutes, or should be construed as, financial advice, investment advice, legal advice, tax advice, credit counseling, or a recommendation to pursue or avoid any particular financial product or transaction.

LendEval does not make formal credit decisions. Scores and readiness evaluations generated by the Platform are estimates based solely on user-provided data and publicly available lending criteria. They do not constitute:

• An approval or pre-approval for any loan or credit product
• A denial of credit under ECOA, Regulation B, or any applicable law
• A commitment to lend or an offer of credit
• A guaranteed interest rate, loan amount, or loan term
• A formal underwriting determination under TILA, RESPA, or state lending law

LendEval does not access, query, or receive data from any consumer reporting agency, including Equifax, Experian, or TransUnion. No hard inquiry or soft inquiry of any kind is generated through use of this Platform. Credit scores entered by users are self-reported and used only for the educational scoring calculation.

LendEval is not a bank, credit union, mortgage lender, mortgage broker, insurance company, financial planner, registered investment advisor, or credit counseling agency. We do not originate loans, broker transactions, generate referrals to lenders for compensation, or provide regulated financial services of any kind.

While we strive to ensure our scoring logic reflects real-world lending criteria, lending standards vary by institution, product type, geographic market, macroeconomic conditions, and regulatory environment. LendEval makes no representation or warranty — express or implied — regarding the accuracy, completeness, timeliness, or fitness for purpose of any information provided on this Platform.

Actual loan decisions by lenders may differ materially from Platform evaluations due to factors including but not limited to: proprietary underwriting models, overlays, rate environment, portfolio concentration limits, and applicant-specific circumstances not captured in the evaluation form.

THE PLATFORM IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTY OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING WITHOUT LIMITATION WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT.

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, LENDEVAL AND ITS OFFICERS, DIRECTORS, EMPLOYEES, AND AGENTS SHALL NOT BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING FROM YOUR USE OF OR RELIANCE ON THE PLATFORM OR ANY INFORMATION CONTAINED THEREIN, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

The Platform may contain links to or integrations with third-party websites and services. LendEval does not endorse and is not responsible for the content, accuracy, privacy practices, or availability of any third-party resource. Access to third-party resources is at your own risk.

LendEval is designed with awareness of U.S. federal consumer financial laws including ECOA, FCRA, TILA, RESPA, the Fair Housing Act, and applicable state laws. However, LendEval is not a regulated financial institution and operates as an educational technology platform outside the regulatory scope of the CFPB, OCC, FDIC, Federal Reserve, state banking departments, or equivalent financial regulators.

We reserve the right to update this Disclaimer at any time. Material updates will be reflected in the "Last updated" date above. Continued use of the Platform following any update constitutes your acceptance of the revised Disclaimer.