Effective Date: February 11, 2026
Welcome to IntegrityLending.net. By accessing or using our website and services, you agree to be bound by the following terms and conditions. If you do not agree, please do not use our site.
1. Eligibility
By using this site, you represent that:
You are at least 18 years of age.
You are a legal resident of the United States.
All information you provide to us is accurate, current, and complete.
2. Not an Offer to Lend
The content on this website is for informational purposes. Application for a loan through IntegrityLending.net does not constitute a guarantee of approval. All loan approvals are subject to credit review, document verification, and underwriting guidelines.
3. Prohibited Use
You agree not to use the site for any unlawful purpose. Specifically, you may not:
Use any automated system (bots, scrapers) to access our data.
Attempt to interfere with the security or proper working of the website.
Impersonate any person or entity or misrepresent your financial status.
4. Electronic Communications & Signatures
By submitting an application, you consent to receive communications from us electronically (email, SMS, or site notifications). You agree that all electronic signatures and disclosures carry the same legal weight as physical paper documents under the ESIGN Act.
5. Intellectual Property
All content on IntegrityLending.net—including logos, text, graphics, and software—is the property of Integrity Lending and is protected by copyright and trademark laws. You may not use our branding without express written permission.
6. Limitation of Liability
To the fullest extent permitted by law, Integrity Lending shall not be liable for any:
Direct, indirect, or consequential damages arising from your use of the site.
Errors or omissions in the content provided.
Technical malfunctions or data loss.
Note: Our total liability to you for any claim arising out of your use of the service shall not exceed the amount you paid, if any, to access the site.
7. Dispute Resolution & Mandatory Arbitration
Any dispute relating to these terms or your use of IntegrityLending.net will be resolved through binding arbitration, rather than in court.
Class Action Waiver: You agree to resolve disputes on an individual basis and waive the right to participate in a class-action lawsuit.
Governing Law: These terms are governed by the laws of the state in which Integrity Lending is headquartered, without regard to conflict of law principles.
8. Changes to Terms
We reserve the right to modify these Terms of Service at any time. We will notify users of significant changes by updating the "Effective Date" at the top of this page. Your continued use of the site constitutes acceptance of the new terms.
9. SMS/Text Messaging Disclosure & Consent
By providing your phone number and opting in to receive text messages from Integrity Lending, you agree to the following terms:
Description of SMS Use Cases
We use text messaging to provide you with timely updates regarding your loan journey. This includes:
Account Alerts: Notifications regarding your application status or document requests.
Reminders: Upcoming payment dates or appointment confirmations.
Security: Two-factor authentication (2FA) codes to protect your account.
Marketing: Occasional offers or financial tips (only if you have specifically opted into marketing texts).
Opt-Out Instructions
Your consent is voluntary, and you can leave at any time. To stop receiving text messages, simply reply STOP to any message we send. You will receive one final confirmation text acknowledging your opt-out. After this, you will no longer receive SMS messages from us unless you re-subscribe.
Customer Support Contact
If you are experiencing issues with our messaging program, you can reply with the keyword HELP for more information, or reach out directly to our support team at [email protected] or 1-760-850-1705.
Message & Data Rate Disclosure
Standard message and data rates may apply for any messages sent to you from us and to us from you. Depending on your mobile plan, your carrier may charge you for these messages. Frequency of messages varies based on your interaction with our services and loan application status.
Carrier Liability Disclaimer
Mobile carriers (such as AT&T, T-Mobile, Verizon, etc.) are not liable for delayed or undelivered messages. We aim to deliver notifications promptly, but delivery is subject to the effective transmission from your network provider.
Age Restriction (18+)
By opting into our SMS service, you affirm that you are 18 years of age or older and are the authorized user of the mobile device associated with the phone number provided.
9. Contact Information
If you have questions regarding these Terms, please contact: Integrity Lending Support:
Phone: 1-760-850-1705
Email: [email protected]
Mailing Address: 210 Hawthorne Ave, Athens, GA 30606