Terms of Service

1Acceptance of Terms

By accessing, browsing, or using the website located at indigocardusa.com (the "Site"), submitting a loan application, or using any services offered through the Site (collectively, the "Service"), you ("User," "you," or "your") acknowledge that you have read, understood, and agree to be bound by these Terms of Service (the "Terms"), together with our Privacy Policy.

If you do not agree to these Terms, you must not access or use the Service. By continuing to use the Service after any modifications to these Terms, you agree to be bound by the revised Terms.

2Service Description

Indigo Card USA operates an online platform that:

• Provides consumer financial education and loan product information
• Facilitates loan pre-qualification and application processing
• Connects borrowers with licensed lenders in our network
• Offers credit-building and debt consolidation products
• Reports payment history to major credit bureaus

Important: Indigo Card USA is not a bank. Loan products are offered by third-party licensed lenders. We do not guarantee that any application will be approved or that any specific terms will be offered.

3Eligibility

To use our Service and apply for a loan, you must meet the following requirements:

• Be at least 18 years of age (19 in Alabama and Nebraska)
• Be a US citizen or permanent resident with a valid Social Security Number
• Reside in a state where our services are offered
• Have a verifiable source of income
• Have an active US-based checking account
• Provide a valid email address and phone number
• Not be a debtor in an active bankruptcy proceeding
• Not be an active-duty member of the US military or dependent (per the Military Lending Act)

4User Accounts

4.1 Account Creation

To access certain features, you may need to create an account. You agree to provide accurate, current, and complete information during registration and to update such information to keep it accurate.

4.2 Account Security

You are responsible for:

• Maintaining the confidentiality of your password
• All activities that occur under your account
• Notifying us immediately of any unauthorized use
• Using a strong, unique password and enabling two-factor authentication

4.3 One Account Per User

You may not maintain more than one active account. Creating multiple accounts to circumvent approval decisions is grounds for immediate termination.

5Loan Application Process

When you submit a loan application through our Service:

• You certify that all information provided is true, accurate, and complete
• You authorize us to verify your information with third parties
• You acknowledge that providing false information may constitute fraud under federal and state law
• You understand that submission does not guarantee approval
• You acknowledge pre-qualification results are estimates and not final offers

6Credit Authorization

By submitting a loan application, you expressly authorize Indigo Card USA and its network of lenders to:

• Obtain your consumer credit report from one or more credit reporting agencies
• Verify your identity, income, and employment
• Share your information with lending partners for the purpose of evaluating your application
• Report your account status and payment history to credit bureaus (if you receive a loan)
• Contact you via phone, SMS, email, or mail regarding your application and account

This authorization remains in effect until you revoke it in writing or until your relationship with us ends.

7Rates, Fees & Payments

7.1 Loan Terms

• Loan amounts: $200 – $5,000
• APR range: 5.99% – 35.99% (based on creditworthiness)
• Loan terms: 6 to 36 months
• Origination fee: 0% – 5% (deducted from loan proceeds if applicable)
• Late fee: Up to $41 (subject to state law)
• NSF fee: Up to $29 per failed payment

7.2 Representative Example

A $2,500 loan with a 24-month term at 19.9% APR would have monthly payments of approximately $127, for a total repayment of $3,048.

7.3 Payment Methods

Payments may be made via:

• Automatic ACH debit from your checking account
• Online bill pay at myindigocard.com
• Phone payment through our automated system
• Check or money order by mail

7.4 Early Repayment

You may prepay all or any portion of your loan at any time without penalty.

8Intellectual Property

All content on the Service — including text, graphics, logos, images, software, and the Indigo Card USA trademark — is the exclusive property of Indigo Card USA or its licensors and is protected by US and international copyright, trademark, and other intellectual property laws.

You may not copy, reproduce, distribute, modify, create derivative works from, publicly display, publicly perform, republish, download, store, or transmit any material from the Service without our prior written consent.

9Prohibited Uses

You agree NOT to use the Service to:

• Provide false, misleading, or fraudulent information
• Use the Service for any illegal purpose
• Impersonate any person or entity
• Interfere with or disrupt the Service or servers
• Attempt unauthorized access to any part of the Service
• Introduce viruses, malware, or other harmful code
• Harvest or collect data about other users
• Use automated systems (bots, scrapers, crawlers) without written permission
• Reverse engineer or decompile any software
• Engage in money laundering or terrorist financing
• Use the Service in violation of any applicable law

10Disclaimers

THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED. To the fullest extent permitted by law, Indigo Card USA disclaims all warranties, including but not limited to:

• Warranties of merchantability
• Fitness for a particular purpose
• Non-infringement
• Accuracy, reliability, or completeness of information
• Uninterrupted or error-free service
• Security of transmitted information

We do not guarantee loan approval, specific rates, or specific credit score outcomes. Credit score improvements depend on individual factors beyond our control.

11Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, Indigo Card USA, its affiliates, directors, officers, employees, agents, and partners shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to loss of profits, data, use, goodwill, or other intangible losses, resulting from:

• Your access to or use of (or inability to access or use) the Service
• Any conduct or content of any third party on the Service
• Any content obtained from the Service
• Unauthorized access, use, or alteration of your transmissions or content

Our total liability shall not exceed the greater of $100 or the fees you paid us in the 12 months preceding the claim.

12Indemnification

You agree to defend, indemnify, and hold harmless Indigo Card USA and its affiliates from and against any claims, damages, obligations, losses, liabilities, costs, or expenses (including attorney's fees) arising from:

• Your use of or access to the Service
• Your violation of any term of these Terms
• Your violation of any third-party right
• Any claim that your submitted information caused damage to a third party

13Arbitration & Class Action Waiver

13.1 Agreement to Arbitrate

Any dispute, claim, or controversy arising out of or relating to these Terms or the Service shall be resolved by binding arbitration administered by the American Arbitration Association (AAA) under its Consumer Arbitration Rules, rather than in court.

13.2 Class Action Waiver

You and Indigo Card USA agree that any dispute will be resolved on an individual basis only. Neither party may bring a claim as a plaintiff or class member in any purported class, consolidated, or representative proceeding.

13.3 Opt-Out Right

You may opt out of this arbitration agreement by sending written notice to [email protected] within 30 days of accepting these Terms. The notice must include your name, address, and a clear statement that you wish to opt out.

13.4 Exceptions

Nothing in this section shall prevent either party from:

• Seeking relief in small claims court
• Pursuing enforcement actions through state or federal regulatory agencies
• Seeking injunctive relief in court for intellectual property violations

14Termination

We may suspend or terminate your access to the Service immediately, without prior notice or liability, for any reason, including:

• Breach of these Terms
• Fraudulent or illegal activity
• Request by law enforcement or government agency
• Discontinuance or material modification of the Service
• Unexpected technical or security issues

Upon termination, your right to use the Service will immediately cease. Provisions that by their nature should survive termination (including intellectual property, disclaimers, liability limits, indemnification, and arbitration) will remain in effect.

15Governing Law

These Terms shall be governed by and construed in accordance with the laws of the State of Delaware, without regard to its conflict of law provisions. For claims not subject to arbitration (such as small claims court matters), you agree to the exclusive jurisdiction of the state and federal courts located in Delaware.

16Changes to Terms

We reserve the right to modify these Terms at any time at our sole discretion. Material changes will be effective 30 days after posting unless they:

• Address new functions or legal requirements (effective immediately)
• Favor the user (effective immediately upon posting)

Your continued use of the Service after changes constitutes acceptance. If you do not agree with the modified Terms, you must stop using the Service.

17Contact Us

If you have questions about these Terms or need to serve legal notice, please contact: