Terms & Conditions
Last Updated: 7/30/2025
Welcome to Tree Top Financial. By using our services, you agree to the following Terms & Conditions. Please read these carefully before using our website. If you do not agree with any of the terms and conditions, you should not use our website.
Acceptance of Terms
By using our services, you agree to these Terms & Conditions and our Privacy Policy. If you do not agree to these Terms & Conditions, please do not use our website. We reserve the right to update or modify these Terms & Conditions at any time without prior notice, and your continued use of the website constitutes your acceptance of the updated or modified Terms & Conditions.
Services Offered
Please be aware that we are a marketing firm that collects data and provides referral options for services. We are a marketing firm that collects data and provides referral options for financial services. We do not provide the financial services ourselves. By using our website, you consent to receive phone calls and text messages from us and our service providers about product services and options. By submitting your information through our website, you confirm that you are not on the national DNC do not call list. If you do not consent to the terms and conditions, please do not use our website.
Eligibility
Our services are only available to individuals who are at least 18 years old and reside in the United States.
Consent to Contact
By submitting your information through our web forms, you consent to receive phone calls and text messages from us and our service providers about products, services, and options related to your financial needs. You understand and agree that these calls and text messages may be generated using an automated dialing system or pre-recorded messages. Standard message and data rates may apply.
National Do Not Call Registry
By submitting your information through our web forms, you confirm that you are not on the national DNC (Do Not Call) list. If you are on the national DNC list, you should not use our website or our services.
Opt-In & Consent to Text Program
If you would like to participate in the Text Program, then you must opt-in to receive text messages. You may need to confirm your consent, such as by following the instructions contained in an initial text message we send. If you have opted-in to the Text Program, usaloancenters.com may provide communications regarding an evaluation of credit or an offer of debt relief services, including for marketing purposes and with messages through your wireless provider to the mobile phone number you provided. You can expect to receive recurring autodialed marketing messages from treetop-financial.com and Service Providers.
Cancellation of SMS
At any time, you may stop receiving our texts by replying “STOP” to a text message from usaloancenters.com. You will receive a one-time opt-out confirmation text message. After that, you will not receive any future messages. For help, call (888) 295-4445.
Help with SMS
At any time, you may receive support regarding the Text Program by replying “HELP” to a text message from usaloancenters.com. Please note that replying “HELP” will not opt you out of the Text Program. You may stop receiving our texts as described above.
Valid Mobile Phone Number for Contact
You must provide us with a valid mobile phone number for SMS services. If you change your mobile phone number, you agree to opt-out of the Text Program prior to changing your mobile phone number.
Website Content Disclaimer
We make every effort to ensure that the information on our website is accurate and up-to-date. However, we cannot guarantee the accuracy of the information or the availability of any loan product or service. We are not responsible for any errors, omissions, or other problems that may arise from your use of our website.
Accuracy of Information
You agree to provide accurate and complete information when using our website. We are not responsible for any errors or inaccuracies in the information you provide, or any consequences that may arise from such errors or inaccuracies.
Limitation of Liability
In no event shall Tree Top Financial or its affiliates be liable for any direct, indirect, incidental, special, or consequential damages arising out of or in connection with your use of our website or any loan product or service you receive through our website. This includes, but is not limited to, damages for loss of profits, goodwill, use, data, or other intangible losses.
We are not liable for any errors or inaccuracies in the information provided by our service providers, or any consequences that may arise from such errors or inaccuracies. We are not responsible for the actions or omissions of our service providers.
Dispute Resolution
These Terms & Conditions shall be governed by and construed in accordance with the laws of the United States and the State of California. Any dispute arising out of or relating to these Terms & Conditions or your use of our website shall be resolved exclusively by binding arbitration in accordance with the Commercial Arbitration Rules of the American Arbitration Association. The arbitration shall be conducted in San Francisco, California.
Severability
If any provision of these Terms & Conditions is found to be invalid or unenforceable, the remaining provisions shall remain in full force and effect.
Intellectual Property
All content and materials on our website, including but not limited to text, graphics, logos, and images, are the property of Tree Top Financial or its licensors and are protected by copyright, trademark, and other intellectual property laws. You may not use, copy, or reproduce any content or materials on our website without our prior written permission.
Disclaimer of Financial Products and Services
We do not guarantee the accuracy, completeness, or timeliness of the information provided on our website. We make no representations or warranties about the quality, safety, or suitability of the financial products and services offered by third-party providers.
Links to Third-Party Websites
Our website may contain links to third-party websites. These links are provided for your convenience only and do not imply endorsement, sponsorship, or approval of these websites. We are not responsible for the content or practices of any third-party websites.
Changes to Terms & Conditions
We may modify these terms and conditions at any time, without prior notice to you. Your continued use of our website after any such modification constitutes your acceptance of the modified terms and conditions.
Indemnification
You agree to indemnify, defend, and hold harmless treetop-financial.com, its affiliates, agents, vendors, distributors, licensors and suppliers, and their officers, directors, and employees from and against all losses, expenses, damages, and costs, including reasonable attorneys’ fees, resulting from (a) any violation of the terms and conditions of this Agreement, (b) any activity related to your account (including negligent or wrongful conduct) by you or any other person accessing your account, (c) your use of (or inability to use) the treetop-financial.com Technology; and (d) any use of your Submission by usaloancenters.com or any other party, including, but not limited to, any third party claim of infringement of intellectual property or proprietary right or invasion of privacy or publicity. Nothing herein shall apply to actions or claims under the provisions of the United States Bankruptcy Code, 11 U.S.C. § 111(g)(2).
Entire Agreement
These terms and conditions constitute the entire agreement between you and Tree Top Financial regarding your use of our website and our services. If any provision of these terms and conditions is found to be invalid or unenforceable, the remaining provisions shall remain in full force and effect.
Limitation on Liability
In no event shall Tree Top Financial or its affiliates, directors, officers, employees, or agents be liable for any damages, including but not limited to direct, indirect, incidental, special, or consequential damages, arising out of or in connection with your use of our website or our services.
IN ADDITION TO ANY LIMITATIONS ON OUR LIABILITY AS SET FORTH IN THE TERMS & CONDITIONS OF USE, TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAWS, TREETOPFINANCIAL.COM IS NOT RESPONSIBLE OR LIABLE IN ANY MANNER FOR FAILED, DELAYED, OR MISDIRECTED DELIVERY OF ANY INFORMATION SENT THROUGH THE TEXT PROGRAM, ANY ERRORS IN SUCH INFORMATION, AND/OR ANY ACTION YOU MAY OR MAY NOT TAKE IN RELIANCE ON THE INFORMATION OR TEXT PROGRAM.
Contact Us
If you have any questions or concerns regarding these Terms & Conditions, please contact us at [email protected].