Lendbuzz Terms of Use

These terms of use ("Terms of Use") are provided on behalf of Lendbuzz, Inc. and its affiliates and subsidiaries ("Lendbuzz", "we", "us", "our"). By using www.Lendbuzz.com, including any sub-domain thereof (the "Site"), you signify that you have read, understand and agree to be bound by these Terms of Use, regardless of whether you are simply browsing our Site or are a registered member of the Service. Please read them very carefully. If you do not wish to be bound by these Terms of Use, you should not access or use the Site. In addition to these Terms of Use, you may enter into other agreements with us that will govern your use of the products and services offered on the Site. These Terms of Use include an ARBITRATION & CLASS ACTION WAIVER BELOW.

Eligibility

This Site is intended solely for users who are 18 years of age or older, and any registration or use of the Site by anyone under 18 is unauthorized and in violation of these Terms of Use. By using the Site, you represent you are 18 or older and that you agree to abide by all of these Terms of Use.

Privacy

Your privacy is very important to us. Our Privacy Policy explains how we treat your personal information and protect your privacy when you use our Site. We will not share or sell any of your information with any third party, except as specifically described in our privacy statement, which is incorporated by reference into these Terms of Use.

Registrations and Applications

You may be presented with the opportunity to create an account and apply for a loan through the Site. When you create an account or apply for a loan, you agree to provide current, complete, and accurate information about yourself. We reserve the right to reject any registration and/or decline any application for a loan for any lawful purpose.

Your Account

When you successfully register with us you will be required to create an account on the Site. When you create an account, you must pick a user name and a password. You may not disclose your user name or password to any third party. If you learn of any unauthorized use of your password or account, please contact us immediately. You may be required to login in order to use certain parts of the Site.

Electronic Communications

By using the Site, creating an account, submitting an application, or otherwise interacting with us electronically, you consent to receive communications from us electronically to the extent permitted by applicable law. Electronic communications may include notices, disclosures, agreements, records, authorizations, confirmations, account-related messages, and other information relating to the Site, your application, or any product or service offered by Lendbuzz. You agree that electronic communications satisfy any legal requirement that such communications be in writing, unless applicable law requires a different form of consent or delivery. This section does not replace any separate consent to electronic records or signatures that may be required in connection with a credit application or loan documentation.

Your Content and Information Sharing

By providing information through or content on the Site, you expressly agree to all the following:

You grant us a non-exclusive, transferable, sub-licensable, royalty-free, world license to use any information or content that you provide in connection with your use of the Site and our services, subject to the privacy provisions described in our Privacy Policy. We have the right to review, delete, edit, modify, reformat, excerpt, or translate any of your information or content in accordance with applicable law.
You are solely responsible for the content and information you make available through or in connection with our products and services. All the information and content posted on the Site or privately transmitted through the Site or via other means in connection with our services is the sole responsibility of the person from which that content originated. We will not be responsible for any errors or omission in any information or content posted by a user.
By providing a telephone number to us, you represent that you are the subscriber of that number and that you are authorized to provide it. You agree that Lendbuzz and its agents, service providers, and representatives may contact you at any telephone number you provide, even if your telephone number is on the “Do Not Call” list, or that we otherwise obtain as permitted by law, including by call, text message, prerecorded or artificial voice message, or autodialed technology, regarding your account, application, products, services, servicing, collections, fraud prevention, or other account-related matters. Message and data rates may apply. Consent to marketing calls or texts is not required as a condition of obtaining credit or purchasing any goods or services. You may opt out of marketing text messages by replying STOP, but operational, servicing, legal, or account-related communications may continue where permitted by law.
You represent that you are not located in, organized under the laws of, or ordinarily resident in any country or territory subject to comprehensive sanctions administered by the United States government, and that you are not identified on any list of restricted parties maintained by the United States government. You agree not to use the Site, directly or indirectly, in violation of export control, sanctions, anti-money laundering, anti-fraud, or other applicable laws.
You agree to access and use the Site and any products or services offered through the Site for your personal, non-commercial use only

Restrictions on Use

You agree to abide by all applicable laws and regulations in your use of the Site and our products and services. In addition, you agree that you will not do any of the following:

Register for more than one account, or register for an account on behalf of an individual other than yourself, or on behalf of any group or entity.
Post or otherwise make available content, or take any action on the Site, that may constitute libel or slander or that infringes or violates someone else's rights or is protected by any copyright or trademark, or otherwise violates the law.
Post or otherwise make available content that in our judgment is objectionable, such as content that is harmful, threatening, inflammatory, obscene, fraudulent, invasive of privacy or publicity rights, hateful, or otherwise objectionable, or which restricts or inhibits any other person from using or enjoying the Site, or which may expose us or our users to any harm or liability of any type.
Post or otherwise make available any unsolicited or unauthorized advertising, solicitations, promotional materials, or any other form of solicitation.
Use the information or content on our Site to send unwanted messages to any other person.
Impersonate any person or entity, or falsely state or otherwise misrepresent yourself, your age or your affiliation with any person or entity.
Post or otherwise make publicly available on the Site any personal or financial information of any third party.
Solicit personal information from anyone under 18 or solicit passwords or personally identifying information for commercial or unlawful purposes.
Use the Site or our products and services in any manner that could damage, disable, overburden or impair the Site.
Harvest or collect email addresses or other contact information of our users from the Site by electronic or other means, including via the use of automated scripts.
Post or otherwise make available any material that contains software viruses or any other computer code, files or programs designed to interrupt, destroy or limit the functionality of any computer software or hardware or telecommunications equipment.
Access or use the Site to reverse engineer, decompile, disassemble, copy, scrape, crawl, index, data mine, train or test artificial intelligence models, bypass access controls, interfere with security features, probe or test system vulnerabilities, introduce malicious code, use bots or automated tools without authorization, attempt to gain unauthorized access to any account, system, network, or data, or use the Site in a manner that violates applicable law or infringes the rights of Lendbuzz or any third party.

Copyright Complaints

If you believe that any material on the Site infringes upon any copyright that you own or control, you may send a written notification to us via email at help@lendbuzz.com, or via regular mail at Lendbuzz, Inc., 100 Summer St., Suite 1920, Boston, MA 02110.

Changes and Modifications

We reserve the right to temporarily or permanently modify or discontinue the Site, or any portion of the Site, for any reason, without notice to you. We may also change the Terms of Use from time to time without notice to you. Please review these Terms of Use from time to time because your continued access or use of the Site after any modifications have become effective shall be deemed your conclusive acceptance of the modified Terms of Use.

Links

We are not responsible for the information practices employed by sites linked to or from our website. In most cases, links to non-Lendbuzz web sites are provided solely as pointers to information on topics that may be useful to our users. Since third party web sites may have different privacy policies and/or security standards governing their sites, you should review the privacy policies and terms and conditions of these sites prior to providing any personal information.

No Warranty; Errors

THE SITE AND OUR PRODUCTS AND SERVICES ARE PROVIDED "AS IS" AND WITHOUT ANY REPRESENTATION OR WARRANTY, WHETHER EXPRESS, IMPLIED OR STATUTORY. LENDBUZZ, OUR OFFICERS, DIRECTORS, AGENTS, EMPLOYEES AND SUPPLIERS SPECIFICALLY DISCLAIM ANY IMPLIED WARRANTIES OF TITLE, MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE AND NON-INFRINGEMENT. WE DO NOT WARRANT THE ACCURACY, ADEQUACY OR COMPLETENESS OF THE INFORMATION PROVIDED ON THE SITE AND EXPRESSLY DISCLAIMS LIABILITY FOR ANY ERRORS OR OMISSIONS IN SUCH INFORMATION. WE DO NOT GUARANTEE CONTINUOUS, UNINTERRUPTED OR SECURE ACCESS TO THE SITE OR ANY OF OUR SERVICES, AND THE OPERATION OF THE SITE MAY BE INTERFERED WITH BY NUMEROUS FACTORS OUTSIDE OF OUR CONTROL. WE CANNOT GUARANTEE AND DO NOT PROMISE ANY SPECIFIC RESULTS FROM USE OF THE SITE AND/OR OUR PRODUCTS AND SERVICES. CALCULATORS AND TOOLS ON THE SITE PROVIDE YOU WITH ESTIMATES THAT MAY BE DIFFERENT THAN ACTUAL AMOUNTS. ALTHOUGH WE PROVIDE RULES FOR USER CONDUCT AND POSTINGS, WE DO NOT CONTROL NOR ARE WE RESPONSIBLE FOR WHAT USERS POST ON THE SITE OR ANY OFFENSIVE, INAPPROPRIATE, OBSCENE, UNLAWFUL OR OTHERWISE OBJECTIONABLE CONTENT YOU MAY ENCOUNTER ON THE SITE. WE ARE NOT RESPONSIBLE FOR THE CONDUCT, WHETHER ONLINE OR OFFLINE, OF ANY USER OF THE SITE OR OUR PRODUCTS OR SERVICES. You agree that we may promptly correct any error that we discover, including any error in calculating your loan rates. If the error results in your receipt of an incorrect interest rate, APR or origination fee, we will notify you and provide you with the correct rate. You agree to provide any additional consents necessary to correct any errors that occur.

ARBITRATION AGREEMENT AND CLASS ACTION WAIVER

Please read this section carefully. It affects your legal rights, including your right to file a lawsuit in court, to have a jury trial, and to participate in a class action. You and Lendbuzz agree that, except as expressly provided below, all Covered Claims will be resolved exclusively by binding individual arbitration, rather than in court. This arbitration agreement is intended to be interpreted broadly and is governed by the Federal Arbitration Act, 9 U.S.C. § 1 et seq., and not any state law concerning arbitration.

Covered Claims. Covered Claims include, without limitation, any claim or dispute between you and Lendbuzz whether based in contract, statute, rules, tort (including intentional torts, such as fraud). Covered claims also include disputes about the interpretation, applicability, enforceability, formation, scope, or validity of this arbitration agreement, including any claim that all or part of this arbitration agreement is void or voidable, except that any dispute regarding the enforceability of the class action waiver below will be decided by a court of competent jurisdiction.

Informal Dispute Resolution. Before either party initiates arbitration, the party asserting a claim must first send written notice describing the nature and basis of the claim, the requested relief, and sufficient information to evaluate the claim. Notices to Lendbuzz must be sent to Lendbuzz, Inc., 100 Summer St., Suite 1920, Boston, MA 02110, Attn: Legal Department, or to any other address that Lendbuzz designates for legal notices. Lendbuzz may send notices to you using the most recent contact information you provided. The parties will attempt in good faith to resolve the claim informally for at least thirty (30) days after notice is received. If the claim is not resolved during that period, either party may commence arbitration.

Arbitration Procedures. The arbitration will be administered by the American Arbitration Association or any other organization subject to Lendbuzz’s approval (the “Arbitration Organization”). The arbitration shall be conducted under the then-current consumer rules of the Arbitration Organization and governed by the Federal Arbitration Act, 9 U.S.C. § 1 et seq., and not any state law concerning arbitration. You may get a copy of the rules of an Arbitration Organization by contacting the Arbitration Organization or visiting its website. The arbitrator shall apply applicable law. Any award by the arbitrator shall be in writing and will be final and binding on all parties, subject to any limited right to appeal under the Federal Arbitration Act. Judgment on the arbitration award may be entered by either party in the highest local, state or federal court having jurisdiction or before any administrative body.

Location and Fees. To the extent allowed by applicable law, arbitrations shall be conducted on a documents-only basis, without live testimony or oral argument. A single arbitrator shall hold a documents-only arbitration, if allowed by applicable law, or any arbitration hearing telephonically or by video conference or, if both you and Lendbuzz agree, at a location in the judicial district where you live. Payment of arbitration fees will be governed by the Arbitration Organization’s consumer arbitration fee schedule and applicable law. Lendbuzz will not seek to recover its attorneys’ fees or arbitration costs from you unless the arbitrator determines that your claim was frivolous or brought for an improper purpose, or unless applicable law permits such recovery. Any arbitration proceedings and awards shall be confidential and shall not be used in any other arbitration proceeding.

Exceptions. Notwithstanding this arbitration agreement, either party may bring an individual action in small claims court if the claim qualifies and remains in that court without the right to trial by jury or to assert class or representative claims. Either party may also seek temporary, preliminary, or permanent injunctive or other equitable relief in court to prevent the actual or threatened infringement, misappropriation, or violation of intellectual property rights, confidential information, or computer security rights, or to address unauthorized access to or misuse of the Site or Lendbuzz systems.

Class Action and Jury Trial Waiver. You and Lendbuzz agree that each may bring claims against the other only in an individual capacity and not as a plaintiff or class member in any purported class, collective, consolidated, private attorney general, or representative proceeding. Unless both you and Lendbuzz agree otherwise in writing, the arbitrator may not consolidate more than one person’s claims and may not preside over any form of class, collective, consolidated, private attorney general, or representative proceeding. You and Lendbuzz also waive any right to a jury trial for any claim, unless such waiver is unenforceable.

Mass Arbitration Procedures. If twenty-five (25) or more substantially similar arbitration demands are filed against Lendbuzz by or with the assistance of the same law firm, group of law firms, organization, or coordinated counsel, the demands will be treated as related for purposes of administration and fees of the Arbitration Organization. The parties will cooperate in good faith to implement procedures designed to promote the efficient, fair, and prompt resolution of the related demands, which may include batching, bellwether proceedings, phased administration, or other procedures adopted by the arbitration provider or ordered by the arbitrator, provided that each claimant’s claim remains subject to individual resolution and no claim is arbitrated on a class, collective, consolidated, private attorney general, or representative basis without the parties’ written agreement.

Opt-Out Right. You may opt out of this arbitration agreement by sending written notice of your decision to opt out to Lendbuzz, Inc., 100 Summer St., Suite 1920, Boston, MA 02110, Attn: Legal Department, within thirty (30) days after you first accept these Terms of Use. Your opt-out notice must include your name, mailing address, email address, and a clear statement that you wish to opt out of arbitration. Opting out of this arbitration agreement will not affect any other provision of these Terms of Use or any other agreement, including any other agreement to arbitrate to which you are a party, that you may have with Lendbuzz.

Severability and Survival. If any portion of this arbitration agreement is found to be unenforceable, that portion will be severed and the remaining portions will remain in full force and effect, except that if the class action waiver is found to be unenforceable as to a particular claim or request for relief, then that claim or request for relief must proceed in court and not in arbitration. This arbitration agreement will survive termination of these Terms of Use, termination of your account, and the end of your relationship with Lendbuzz.

Intellectual Property

You agree that "Lendbuzz.com", "Lendbuzz", and all logos related to our products and services are our or our licensors’ trademarks or registered trademarks. You may not copy, imitate or use them without our prior written consent. In addition, all source code, page headers, custom graphics, button icons, and scripts are our service marks, trademarks, and/or trade dress. You may not copy, imitate, or use them without our prior written consent. All right, title and interest in and to the Website, any content thereon, our products and services, the technology related to our products and services, and any and all technology and any content created or derived from any of the foregoing is our or our licensors’ exclusive property.

Driver’s License Information

If you are required to provide a copy or image of your driver's license to us, you agree to provide a readable image that is an accurate and current representation of your driver’s license. You agree that Lendbuzz may scan the license, use the information and image, and retain the information and image as allowed by applicable law.

Relationship to Other Disclosures and Agreements.

The Site may include additional terms and conditions depending on the applicable product, service, feature, transaction, or account. If these Terms of Use conflict with any other terms presented to you by Lendbuzz, including any loan documents, the other terms will control, unless those terms state otherwise.

Suspension and Termination.

We may suspend, restrict, or terminate your access to the Site, your account, or any Site feature at any time, with or without notice, where we believe you have violated these Terms of Use, provided inaccurate information, created risk or potential legal exposure, attempted unauthorized access, engaged in suspected fraud or misuse, or where suspension, restriction, or termination is required or appropriate under applicable law, security requirements, business requirements, or another agreement between you and Lendbuzz.

Miscellaneous

These Terms of Use shall be governed in all respects by the laws of the State of California, without regard to its provisions relating to conflict of laws. Our failure to exercise or enforce any right or provision of the Terms of Use shall not constitute a waiver of such right or provision. If any provision of the Terms of Use is found by a court of competent jurisdiction to be invalid, the parties nevertheless agree that the court should endeavor to give effect to the parties' intentions as reflected in the provision, and the other provisions of the Terms of Use remain in full force and effect.

Effective Date: August 18, 2026.

If you have questions or concerns regarding these Terms of Use, you should contact us by emailing us at help@lendbuzz.com.