Terms of Service

1. Acceptance of Terms

These Terms of Service ("Terms," "Agreement") constitute a legally binding agreement between you ("you," "your," "user," "borrower") and OneMain Financial Group, LLC and its subsidiaries (collectively, "OneMain Financial," "we," "our," "us").

By accessing or using our website (onemainfinancialfi-247.com ), mobile applications, or any of our services, you acknowledge that you have read, understood, and agree to be bound by these Terms and all applicable laws and regulations.

1.1 Changes to Terms

We reserve the right to modify these Terms at any time. We will notify you of any material changes by:

• Posting the updated Terms on our website with a new "Effective Date"
• Sending you notice via email or through your account
• Displaying a prominent notice on our website

Your continued use of our services after such modifications constitutes your acceptance of the updated Terms.

2. Definitions

For purposes of these Terms, the following definitions apply:

3. Eligibility

To use our Services and apply for a loan, you must:

• Be at least 18 years of age (or the age of majority in your state of residence)
• Be a U.S. citizen or permanent resident
• Have a valid Social Security Number
• Have a verifiable income source
• Reside in a state where we are licensed to operate
• Have the legal capacity to enter into a binding contract
• Provide accurate, current, and complete information

3.1 Account Registration

When you create an account, you agree to:

• Provide true, accurate, current, and complete information
• Maintain and promptly update your information to keep it accurate and complete
• Maintain the security and confidentiality of your account credentials
• Notify us immediately of any unauthorized use of your account
• Accept responsibility for all activities that occur under your account

4. Description of Services

OneMain Financial provides personal loan services and related financial products, including:

4.1 Website and Online Services

• Information about our loan products and services
• Online loan application and pre-qualification tools
• Account management and online payment capabilities
• Educational resources and financial calculators
• Customer service and support

4.2 Financial Services

• Online Loans (secured and unsecured)
• Debt consolidation loans
• Optional insurance products
• Credit reporting and monitoring

5. Your Account and Responsibilities

5.1 Account Security

You are responsible for maintaining the confidentiality of your account information and password. You agree to:

• Choose a strong, unique password
• Not share your password with anyone
• Log out after each session, especially on shared devices
• Notify us immediately of any security breach

5.2 Accurate Information

You represent and warrant that all information you provide to us is:

• True, accurate, current, and complete
• Not misleading or fraudulent
• Properly yours or you have authorization to provide it

5.3 Communication Consent

By creating an account or applying for a loan, you consent to receive:

• Electronic communications regarding your account and loan
• Emails, text messages, and phone calls from us
• Marketing communications (you may opt out at any time)
• Important account notifications and updates

6. Loan Agreement Terms

6.1 Application Process

• Loan applications are subject to approval based on creditworthiness and other factors
• We may request additional documentation during the application process
• Pre-qualification does not guarantee final approval
• We reserve the right to deny any application at our discretion
• Submitting an application does not obligate you to accept a loan offer

6.2 Credit Authorization

By submitting a loan application, you authorize us to:

• Obtain credit reports from credit bureaus
• Verify your identity, employment, and income
• Report loan information to credit bureaus
• Contact references you provide
• Use third-party services for verification purposes

6.3 Loan Terms and Conditions

Key aspects of our loans include:

• Loan Amounts: $1,500 to $20,000
• Repayment Terms: Typically 24 to 60 months
• Interest Rates: APR ranges from 18% to 35.99% based on creditworthiness
• Fees: May include origination fees, late payment fees (varies by state)
• Prepayment: No prepayment penalties

6.4 Payment Obligations

Once you accept a loan:

• You are legally obligated to repay according to the Loan Agreement
• Payments are due on the date specified in your Loan Agreement
• Late or missed payments may result in fees and negative credit reporting
• You are responsible for ensuring sufficient funds for payments
• You may make additional payments without penalty

7. Prohibited Uses

You agree not to use our Services to:

• Violate any federal, state, or local laws or regulations
• Provide false, inaccurate, or misleading information
• Impersonate any person or entity
• Use automated systems (bots, scrapers) to access our Services
• Attempt to gain unauthorized access to our systems or networks
• Transmit viruses, malware, or harmful code
• Interfere with or disrupt our Services or servers
• Collect or harvest information about other users
• Use our Services for any illegal or fraudulent purpose
• Reverse engineer or attempt to extract source code
• Circumvent security features or access restrictions

8. Intellectual Property Rights

8.1 Our Content

All Content on our website and Services, including but not limited to text, graphics, logos, images, software, and design, is owned by OneMain Financial or our licensors and is protected by copyright, trademark, and other intellectual property laws.

8.2 Limited License

We grant you a limited, non-exclusive, non-transferable, revocable license to access and use our Services for personal, non-commercial purposes. You may not:

• Copy, modify, or create derivative works
• Distribute, sell, or license our Content
• Use our trademarks without written permission
• Remove copyright or proprietary notices

8.3 Trademarks

"OneMain Financial" and related marks are trademarks of OneMain Financial Group, LLC. You may not use our trademarks without our prior written consent.

9. Disclaimers and Warranties

To the fullest extent permitted by law, we disclaim all warranties, including but not limited to:

• Warranties of merchantability, fitness for a particular purpose
• Non-infringement and quiet enjoyment
• Warranties arising from course of dealing or usage of trade
• That the Services will be uninterrupted, timely, secure, or error-free
• That defects will be corrected
• That our Services or servers are free of viruses or harmful components

9.1 No Financial Advice

Information provided through our Services is for informational purposes only and does not constitute financial, legal, or tax advice. You should consult with appropriate professionals regarding your specific situation.

9.2 Third-Party Content

We are not responsible for third-party websites, services, or content linked from our Services. Your use of third-party services is at your own risk.

10. Limitation of Liability

In no event shall our total liability to you for all damages, losses, and causes of action exceed the amount you paid to us in the twelve (12) months prior to the claim, or $100, whichever is greater.

Some jurisdictions do not allow the exclusion or limitation of certain warranties or liabilities, so some of the above limitations may not apply to you.

11. Indemnification

You agree to indemnify, defend, and hold harmless OneMain Financial, its officers, directors, employees, agents, licensors, and suppliers from and against all losses, expenses, damages, costs, and claims, including reasonable attorneys' fees, arising from:

• Your violation of these Terms
• Your violation of any law or rights of a third party
• Your use or misuse of our Services
• Your breach of any representation or warranty
• Any content you submit or transmit through our Services

12. Dispute Resolution and Arbitration

12.1 Informal Resolution

If you have a dispute with us, you agree to first contact us and attempt to resolve the dispute informally by contacting our customer service department.

12.2 Binding Arbitration

If we cannot resolve a dispute informally, you agree that any dispute, claim, or controversy will be resolved through binding arbitration rather than in court, except that:

• You may assert claims in small claims court if your claims qualify
• You or we may seek equitable relief in court for infringement or misuse of intellectual property rights

12.3 Governing Law

These Terms shall be governed by the laws of the State of Indiana, without regard to its conflict of law provisions. Any arbitration will take place in Indiana unless otherwise agreed.

12.4 Class Action Waiver

You agree that any arbitration or proceeding shall be limited to the dispute between you and us individually. To the full extent permitted by law:

• No arbitration or proceeding shall be joined with any other
• No dispute shall be arbitrated on a class-action basis
• You waive your right to participate in a class action lawsuit

13. General Provisions

13.1 Entire Agreement

These Terms, together with our Privacy Policy and any Loan Agreement, constitute the entire agreement between you and OneMain Financial regarding our Services.

13.2 Severability

If any provision of these Terms is found to be unenforceable or invalid, that provision shall be limited or eliminated to the minimum extent necessary, and the remaining provisions shall remain in full force and effect.

13.3 Waiver

Our failure to enforce any right or provision of these Terms shall not be deemed a waiver of such right or provision.

13.4 Assignment

You may not assign or transfer these Terms or your account without our prior written consent. We may assign these Terms without restriction.

13.5 Notices

We may provide notices to you via email, postal mail, postings on our website, or through your account. Notices sent to you via email shall be deemed given when sent.

13.6 Survival

Provisions that by their nature should survive termination shall survive, including but not limited to: ownership provisions, warranty disclaimers, indemnity, and limitations of liability.

14. Termination

We reserve the right to suspend or terminate your access to our Services at any time, with or without cause, with or without notice, for any reason including but not limited to:

• Violation of these Terms
• Suspected fraudulent, illegal, or improper activity
• Upon your request
• At our sole discretion

Upon termination:

• Your right to use our Services immediately ceases
• You remain obligated under any existing Loan Agreement
• Provisions that should survive termination will continue to apply

15. Contact Information

If you have questions about these Terms of Service, please contact us:

16. Your Acknowledgment