Draft — under legal review. This page was generated using Termly’s free Terms and Conditions tool based on honest answers about how PlainPath Lending operates. It is not final. Several blanks in the Dispute Resolution and Contact sections still need Avi’s (and ideally a lawyer’s) input — see the [NEEDS INPUT] and [NEEDS REVIEW] notes below.
Last updated July 02, 2026
Agreement to Our Legal Terms
We are V&T Enterprise, doing business as PlainPath Lending (“Company,” “we,” “us,” “our”), a company registered in India at [NEEDS INPUT — Avi: street address], [NEEDS INPUT — city/state].
We operate the website https://plainpathlending.com (the “Site”), as well as any other related products and services that refer or link to these legal terms (the “Legal Terms”) (collectively, the “Services”).
PlainPath Lending is a free referral website that connects US residents with a network of third-party short-term lenders. We are not a lender and do not make credit decisions. We collect a short request form from the user and pass it to our lending partners, who may contact the user directly with a loan offer.
You can contact us by email at info@plainpathlending.com or by mail to [NEEDS INPUT — Avi: street address], [NEEDS INPUT — city/state], India.
These Legal Terms constitute a legally binding agreement made between you, whether personally or on behalf of an entity (“you”), and V&T Enterprise, concerning your access to and use of the Services. You agree that by accessing the Services, you have read, understood, and agreed to be bound by all of these Legal Terms. IF YOU DO NOT AGREE WITH ALL OF THESE LEGAL TERMS, THEN YOU ARE EXPRESSLY PROHIBITED FROM USING THE SERVICES AND YOU MUST DISCONTINUE USE IMMEDIATELY.
We will provide you with prior notice of any scheduled changes to the Services you are using. Changes to these Legal Terms will become effective [NEEDS INPUT — Avi/lawyer: number of days, common default is 30] days after the notice is given. By continuing to use the Services after the effective date of any changes, you agree to be bound by the modified terms.
The Services are intended for users who are at least 18 years old. Persons under the age of 18 are not permitted to use or register for the Services.
We recommend that you print a copy of these Legal Terms for your records.
1. Our Services
The information provided when using the Services is not intended for distribution to or use by any person or entity in any jurisdiction or country where such distribution or use would be contrary to law or regulation. Those who choose to access the Services from other locations do so on their own initiative and are solely responsible for compliance with local laws. The Services are not tailored to comply with industry-specific regulations (HIPAA, FISMA, etc.), so if your interactions would be subject to such laws, you may not use the Services. You may not use the Services in a way that would violate the Gramm-Leach-Bliley Act (GLBA).
2. Intellectual Property Rights
We are the owner or licensee of all intellectual property rights in our Services, including source code, databases, functionality, software, website designs, audio, video, text, photographs, and graphics (the “Content”), as well as our trademarks, service marks, and logos (the “Marks”). Our Content and Marks are protected by copyright and trademark laws. Subject to your compliance with these Legal Terms, we grant you a non-exclusive, non-transferable, revocable license to access the Services and download or print a copy of Content you have properly accessed, solely for personal, non-commercial use. No part of the Services, Content, or Marks may be copied, reproduced, republished, sold, or otherwise exploited for commercial purposes without our express written permission. Any breach of these rights terminates your right to use the Services immediately.
By sending us questions, comments, suggestions, or feedback (“Submissions”), you agree to assign to us all intellectual property rights in that Submission, for our unrestricted use without compensation to you. You confirm your Submissions do not violate our Prohibited Activities and are not illegal, harassing, defamatory, obscene, or misleading, and you are solely responsible for them.
3. User Representations
By using the Services, you represent that: you have the legal capacity to agree to these Legal Terms; you are not a minor in your jurisdiction; you will not access the Services through automated or non-human means; you will not use the Services for any illegal or unauthorized purpose; and your use will not violate any applicable law. If you provide false, inaccurate, or incomplete information, we may suspend or terminate your access.
4. Prohibited Activities
You may not access or use the Services for any purpose other than that for which we make them available. As a user, you agree not to: systematically retrieve data to build a collection or database without our written permission; trick, defraud, or mislead us or other users; circumvent or interfere with security-related features; disparage or harm us or the Services; harass or harm another person using information obtained from the Services; misuse our support services; use the Services in violation of any law; engage in unauthorized framing or linking; upload viruses or spam; use automated data-mining or scraping tools; impersonate another person; deploy tracking pixels or spyware; disrupt the Services or networks; harass our employees; bypass access restrictions; copy or reverse-engineer our software; or use the Services to compete with us or for unauthorized commercial gain.
5. User Generated Contributions
The Services do not offer users the ability to submit or post content. If we ever provide such functionality, any content you submit (“Contributions”) must not infringe others’ rights, must be accurate, must not be unlawful, obscene, harassing, or discriminatory, and you must have all necessary permissions and consents for anything you submit.
6. Contribution License
You agree that we may access, store, process, and use any information and personal data you provide in accordance with our Privacy Policy and your choices. We do not assert ownership over any Contributions; you retain full ownership, and you are solely responsible for anything you submit.
7. Third-Party Websites and Content
The Services may link to other websites or contain third-party content that we do not control and are not responsible for. If you leave our Services to visit a third-party website — for example, a lender’s website after we pass along your request — you do so at your own risk, and these Legal Terms no longer govern. We do not endorse any third party’s products or services and are not responsible for your dealings with them.
8. Services Management
We reserve the right, but not the obligation, to monitor the Services for violations of these Legal Terms, take appropriate legal action against violators, restrict or disable access to any content, remove burdensome files, and otherwise manage the Services to protect our rights and property.
9. Privacy Policy
We care about data privacy and security. Please review our Privacy Policy at https://plainpathlending.com/privacy-policy/. By using the Services, you agree to be bound by our Privacy Policy, which is incorporated into these Legal Terms.
[NEEDS REVIEW — Avi: Termly’s default text states the Services are “hosted in the United States.” This was our best guess since Hostinger’s exact server region wasn’t confirmed in the build files. Please check your Hostinger account (hPanel > Hosting > server location) and correct this if needed.]
10. Term and Termination
These Legal Terms remain in effect while you use the Services. We reserve the right, in our sole discretion and without notice, to deny access to or use of the Services to any person for any reason, including breach of these Legal Terms. We may terminate your use or delete content at any time without warning.
11. Modifications and Interruptions
We reserve the right to change, modify, or remove the contents of the Services at any time without notice, and we are not liable for any modification, suspension, or discontinuance of the Services. We cannot guarantee the Services will always be available.
12. Governing Law
These Legal Terms are governed by the laws of India. V&T Enterprise and you irrevocably consent that the courts of India have exclusive jurisdiction to resolve any dispute connected with these Legal Terms.
[NEEDS REVIEW — Avi/lawyer: we set India as the governing law and jurisdiction since V&T Enterprise is registered there, but this site serves only US residents. A lawyer should confirm whether India or a US state makes more sense here, since it affects where you could be sued and which consumer-protection rules would apply.]
13. Dispute Resolution
Informal Negotiations. To expedite resolution and control cost, the parties agree to first attempt to negotiate any dispute informally for at least [NEEDS INPUT — Avi/lawyer: number of days, e.g. 30] days before initiating arbitration.
Binding Arbitration. If informal negotiation fails, the dispute shall be finally resolved by arbitration under the UNCITRAL Arbitration Rules. The number of arbitrators shall be [NEEDS INPUT — typically 1]. The seat of arbitration shall be [NEEDS INPUT — e.g. a city in India]. The language of proceedings shall be [NEEDS INPUT — e.g. English]. The governing law shall be the substantive law of [NEEDS INPUT — e.g. India].
Restrictions. Any arbitration is limited to the dispute between the parties individually — no class actions, no joined proceedings, and no representative claims.
Exceptions. Disputes involving intellectual property rights, theft, piracy, invasion of privacy, unauthorized use, or claims for injunctive relief are not subject to informal negotiation or arbitration and may be brought in the courts identified under Governing Law.
[NEEDS INPUT — Avi/lawyer: this whole Dispute Resolution section has several blanks Termly’s wizard did not ask about directly. Recommend a quick pass with a lawyer, or Termly’s paid document review, before treating this page as final — the blanks read oddly to a visitor right now.]
14. Corrections
There may be information on the Services that contains typographical errors, inaccuracies, or omissions. We reserve the right to correct these and to change or update information at any time without prior notice.
15. Disclaimer
THE SERVICES ARE PROVIDED ON AN “AS-IS” AND “AS-AVAILABLE” BASIS. YOUR USE OF THE SERVICES IS AT YOUR SOLE RISK. TO THE FULLEST EXTENT PERMITTED BY LAW, WE DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. WE ARE NOT RESPONSIBLE FOR ERRORS OR INACCURACIES IN CONTENT, UNAUTHORIZED ACCESS TO OUR SERVERS, INTERRUPTIONS IN SERVICE, OR ANY PRODUCT OR SERVICE ADVERTISED OR OFFERED BY A THIRD PARTY (INCLUDING ANY LENDER) THROUGH THE SERVICES. USE YOUR BEST JUDGMENT AND EXERCISE CAUTION, ESPECIALLY BEFORE ACCEPTING ANY LOAN OFFER.
16. Limitations of Liability
IN NO EVENT WILL WE OR OUR DIRECTORS, EMPLOYEES, OR AGENTS BE LIABLE TO YOU OR ANY THIRD PARTY FOR ANY DIRECT, INDIRECT, CONSEQUENTIAL, EXEMPLARY, INCIDENTAL, SPECIAL, OR PUNITIVE DAMAGES ARISING FROM YOUR USE OF THE SERVICES. OUR LIABILITY TO YOU FOR ANY CAUSE WHATSOEVER WILL AT ALL TIMES BE LIMITED TO THE AMOUNT PAID, IF ANY, BY YOU TO US (SINCE OUR SERVICE IS FREE TO USE, THIS AMOUNT IS TYPICALLY ZERO). SOME US STATE LAWS DO NOT ALLOW THESE LIMITATIONS, SO SOME OF THE ABOVE MAY NOT APPLY TO YOU.
17. Indemnification
You agree to defend, indemnify, and hold us harmless from any loss, damage, liability, or claim, including reasonable attorneys’ fees, arising from your use of the Services, your breach of these Legal Terms, or your violation of any third party’s rights.
18. User Data
We will maintain certain data you transmit to the Services for managing performance, but you are solely responsible for all data you transmit. Although we perform routine backups, we have no liability for any loss or corruption of data.
19. Electronic Communications, Transactions, and Signatures
Visiting the Services, sending us emails, and completing online forms constitute electronic communications. You consent to receive communications electronically and agree that electronic signatures, contracts, and records satisfy any legal requirement that such communications be in writing.
20. California Users and Residents
If any complaint with us is not satisfactorily resolved, you can contact the Complaint Assistance Unit of the Division of Consumer Services of the California Department of Consumer Affairs in writing at 1625 North Market Blvd., Suite N 112, Sacramento, California 95834, or by telephone at (800) 952-5210 or (916) 445-1254.
21. Miscellaneous
These Legal Terms, together with any policies posted on the Services, constitute the entire agreement between you and us. Our failure to enforce any right or provision is not a waiver of that right. If any provision is found unlawful or unenforceable, the remaining provisions remain in effect. There is no joint venture, partnership, employment, or agency relationship created between you and us as a result of these Legal Terms.
22. Contact Us
In order to resolve a complaint regarding the Services or to receive further information, please contact us at: V&T Enterprise, India, info@plainpathlending.com.
This Terms and Conditions page was created using Termly’s free Terms and Conditions Generator, customized with honest answers about how PlainPath Lending actually operates.