Effective Date: January 1, 2026

Welcome to USNet Financial. By accessing or using our website and services, you agree to comply with and be bound by the following Terms and Conditions. Please read them carefully before using our services.

1. Acceptance of Terms

By using this website, submitting an application, or accessing any of our services, you agree to these Terms and Conditions and our Privacy Policy. If you do not agree, you should not use our website or services.

2. Services Provided

USNet Financial provides financing solutions and related services to qualified individuals and retail partners. All services are subject to approval, eligibility requirements, and applicable laws and regulations.

We reserve the right to modify, suspend, or discontinue any service at our discretion without prior notice.

3. Eligibility

To use our services, you must:

• Be at least 18 years of age

• Provide accurate and complete information

• Comply with all applicable local, state, and federal laws

We reserve the right to refuse service if eligibility requirements are not met.

4. Account Responsibility

If you create an account, you are responsible for maintaining the confidentiality of your login credentials. You agree to notify us immediately of any unauthorized access or suspicious activity related to your account.

USNet Financial is not liable for losses resulting from unauthorized use of your account due to your failure to protect your credentials.

5. Application and Approval

Submitting an application does not guarantee approval. All applications are subject to verification, underwriting review, and internal risk assessment.

We reserve the right to request additional documentation or information as part of the approval process.

6. Payments and Obligations

By accepting financing, you agree to repay the amounts due according to the agreed terms. Failure to make timely payments may result in additional fees, penalties, or other actions permitted by law.

You are responsible for reviewing your payment schedule and ensuring payments are made on time.

7. Privacy and Data Use

Your use of our services is also governed by our Privacy Policy. By using our website, you consent to the collection and use of your information as described in that policy.

8. Limitation of Liability

USNet Financial is not liable for any indirect, incidental, special, or consequential damages arising from the use of our website or services. Our liability is limited to the maximum extent permitted by law.

9. Intellectual Property

All content on this website, including text, graphics, logos, and design elements, is the property of USNet Financial and may not be copied, reproduced, or distributed without written permission.

10. Third-Party Links

Our website may contain links to third-party websites. We are not responsible for the content, policies, or practices of those external sites.

11. Changes to Terms

We may update these Terms and Conditions at any time. Continued use of our website or services after changes are posted constitutes acceptance of the updated terms.

12. Governing Law

These Terms and Conditions are governed by and interpreted in accordance with the laws of the United States and applicable state laws.

13. Contact Information

If you have questions regarding these Terms and Conditions, please contact:

USNet Financial, Inc
Email: support@usnetfinancial.com