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TrustCedar

Terms of use

Reading a TrustCedar page, running a calculator and sending a form all fall under the terms below. The privacy policy, which sits beside them, covers what happens to your information.

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Agreement

By using trustcedar.com you agree to these terms and to the privacy policy. If you do not agree, please do not use the site. “TrustCedar,” “we” and “us” mean the operator of trustcedar.com, 1940 Fountain View Dr, Suite 308, Houston, TX 77057, United States.

What TrustCedar is and is not

TrustCedar publishes educational information about personal loan rates, the benchmarks behind them and other ways to borrow. It shows a board of published benchmark rates, offers four calculators, and passes loan requests that visitors choose to send to lenders and loan brokers, who pay TrustCedar for them.

TrustCedar is not a lender, a bank, a trust company, a fiduciary or a government agency. It does not negotiate loans for you, make credit decisions or quote rates, and it does not give financial, legal, tax or investment advice. The word “Trust” in our name is a brand, not a trust charter.

No offer and no promise of a loan

Nothing on the site is an offer of credit or a commitment to lend. Sending a loan request does not mean that any lender or broker will contact you, make you an offer, or offer a particular rate, amount or term. Any loan is a contract between you and the lender, on the lender’s terms, after the lender’s own review. TrustCedar is not a party to it and is not responsible for a lender’s or broker’s decisions, products, statements or conduct.

Information, rates and calculators

We work to keep the site accurate and dated, and we name the source of each figure. Still, rates and rules change, and a page can be out of date or wrong. The rate board shows published benchmarks copied by hand with their dates; it is not live and is not an offer. Calculator results are estimates based on what you enter and the assumptions on How the numbers work. Check important facts with the lender and with official sources before you decide.

When you send a loan request, you confirm that the information is yours, that it is accurate, and that you are at least 18 years old. Do not send a request for someone else.

The consent box next to the send button says, in full, what you agree to. In summary: by checking it, you allow TrustCedar and the lenders and loan brokers that work with us to reach you about this one request on the phone number and email address in the form. They may call, text and email, and calls and texts may be placed by automated dialing equipment or use a recorded or AI-generated voice. You do not have to agree in order to buy any product, and your carrier may charge for messages and data. Each request stores the dated version of the wording that was on screen when you sent it, with the other details the privacy policy lists.

You may withdraw that consent whenever you like and in any way that reasonably tells us so. Texting STOP in reply ends texts from the company that sent the message, or email contact@trustcedar.com and we will pass your request to stop contact to the lenders and loan brokers who received your request. We honor opt-out requests sent by email within 10 business days.

Rate notes newsletter

If you subscribe to rate notes, we will email you about changes on the rate board and what they mean for a borrower. We do not promise a schedule. You can unsubscribe from any email.

Acceptable use

You agree not to:

  • send false information, or another person’s information, through any form;
  • use the site to harass anyone or to send spam;
  • try to get around the spam check, overload the site, or access parts of it that are not public;
  • scrape or copy the site in bulk, or use automated tools to send forms;
  • use the site for anything unlawful.

Our content

The text, rate board layout, calculators and design of TrustCedar belong to TrustCedar. You may quote short passages with a link to the page. Do not republish whole pages or present our work as yours. Figures we cite from public sources belong to those sources, and you can use them under their terms.

Our pages link to government agencies and other outside sites so you can read the sources. Those sites are run by others; what they publish and how they treat your data is up to them, not TrustCedar.

Disclaimers

As far as the law permits, TrustCedar offers the site, the rate board and the calculators “as is” and “as available.” We make no promise, stated or implied, that they are accurate, complete, suitable for your purpose or free of third-party claims, and no promise that the site will always be up or without mistakes. The disclaimer explains the limits of our information in plain words.

Limitation of liability

As far as the law permits, TrustCedar will not be responsible for losses that follow from using the site, from borrowing decisions you base on it, or from what a lender or loan broker does, including lost profits and indirect or consequential harm. Where your state’s law does not permit a limit like this, it applies only as far as that law allows.

Governing law

Texas law, and federal law where it applies, governs these terms and any dispute about them, whatever the conflict-of-law rules of another state might say.

Changes to these terms

When we revise these terms, the date near the top of this page changes. Each visit is covered by the terms posted at the time. A change does not alter the consent you gave with a loan request already sent.

Contact

Questions about these terms: contact@trustcedar.com or the contact page.