Effective Date: July 1, 2025

Welcome to the JellyLoans website (the “Site”), operated by JellyLoans (collectively, “JellyLoans,” “we,” “us,” or “our”). These Terms of Use (“Terms”) govern your access to and use of the Site and the services offered through it (the “Services”). By accessing or using the Site, you agree to be bound by these Terms. If you do not agree to these Terms, please do not use the Site.

  1. Eligibility

You must be at least 18 years of age and a resident of Texas to use the Services. By using the Site, you represent and warrant that you meet these eligibility requirements. The Services are not offered in all jurisdictions, and we may refuse service to anyone at our discretion.

  1. Services

JellyLoans helps connect Texas residents with third-party lenders offering title loans and payday loans, subject to applicable state and federal laws and regulations. We are not a lender and do not provide loans directly. The specific terms and conditions of any loan will be provided by the lender in a separate loan agreement. These Terms govern your use of the Site and our Services, not the terms of any specific loan.

  1. Loan Applications

If you submit a loan inquiry through the Site, you agree to provide accurate and complete information. We may share your information with third-party lenders to facilitate loan offers, and you authorize us to do so. Submitting an inquiry does not guarantee loan approval or an offer from a lender.

  1. User Accounts

If you create an account on the Site, you are responsible for maintaining the confidentiality of your login credentials. You are responsible for all activities that occur under your account. You agree to notify us immediately of any unauthorized access to or use of your account by contacting us at help@jellyloans.com.

  1. Intellectual Property

The content of the Site, including text, graphics, logos, images, and software, is the property of JellyLoans or its licensors and is protected by copyright and other intellectual property laws. You may not use any content from the Site without our prior written consent.

  1. Prohibited Activities

You agree not to:

  • Use the Site for any illegal or unauthorized purpose.

  • Impersonate any person or entity.

  • Interfere with or disrupt the operation of the Site.

  • Attempt to gain unauthorized access to any part of the Site or our systems.

  • Use any robot, spider, or other automated means to access the Site without permission.

  • Violate any applicable laws or regulations.

  1. Disclaimer of Warranties

THE SITE AND THE SERVICES ARE PROVIDED “AS IS” AND “AS AVAILABLE” WITHOUT ANY WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED. WE DO NOT WARRANT THAT THE SITE WILL BE UNINTERRUPTED, ERROR-FREE, OR obtain, OR THAT ANY LENDER WILL OFFER YOU A LOAN.

  1. Limitation of Liability

TO THE FULLEST EXTENT PERMITTED BY LAW, JELLYLOANS WILL NOT BE LIABLE FOR ANY DAMAGES ARISING OUT OF OR IN CONNECTION WITH YOUR USE OF THE SITE OR THE SERVICES, INCLUDING BUT NOT LIMITED TO DIRECT, INDIRECT, INCIDENTAL, CONSEQUENTIAL, AND PUNITIVE DAMAGES, OR ANY ISSUES RELATED TO THIRD-PARTY LENDERS.

  1. Governing Law

These Terms will be governed by and construed in accordance with the laws of the State of Texas, without regard to its conflict of law principles.

  1. Changes to Terms

We may update these Terms from time to time. Your continued use of the Site following any changes constitutes acceptance of the revised Terms.

  1. Contact Us

If you have any questions about these Terms, please contact us at: help@jellyloans.com

  1. Arbitration Agreement

By using JellyLoans’ services, website, or submitting a loan inquiry, you (“Customer”) agree that any dispute, claim, or controversy arising out of or relating to your use of the Site, our Services, or this agreement shall be resolved exclusively through binding arbitration, rather than in court, except as otherwise provided below.

A. Scope of Arbitration This arbitration agreement applies to all claims, including but not limited to:

  • Use of the Site or Services, including loan inquiries and lender connections.

  • Marketing practices or privacy policies.

  • Alleged violations of federal, state, or local laws, including the Texas Finance Code. This agreement also applies to claims involving third-party lenders connected through JellyLoans.

B. Arbitration Rules & Procedures

  • Arbitration shall be conducted by the American Arbitration Association (AAA) or a mutually agreed-upon arbitration provider, in accordance with its Consumer Arbitration Rules.

  • The arbitration will be held in Texas, or at another location agreed upon by both parties.

  • The arbitrator shall have the authority to award damages, injunctive relief, and attorneys’ fees where permitted by law.

C. No Class Actions All arbitrations must be conducted on an individual basis only. You waive your right to participate in any class action, class arbitration, or representative proceeding against JellyLoans.

D. Exceptions to Arbitration Either party may seek relief in small claims court for disputes within its jurisdiction. Additionally, third-party lenders may pursue debt collection actions in court for unpaid loan balances.

E. Governing Law This arbitration agreement is governed by the Federal Arbitration Act (FAA) and the laws of the State of Texas, without regard to conflict-of-law principles.

F. Severability If any part of this arbitration clause is found to be unenforceable, the remaining provisions shall remain in full force and effect.

G. Right to Opt-Out You may opt out of this arbitration agreement by sending written notice to help@jellyloans.com within 30 days of your first interaction with our Services. Opting out will not affect your ability to use our Services.

  1. Entire Agreement

These Terms constitute the entire agreement between you and JellyLoans regarding the Site and the Services and supersede all prior agreements and understandings.