Legal

Terms of Service

The rules of using AcquireLender, operated by Ryan Vaca, a California sole proprietor doing business as AcquireLender. Every section opens with a plain-English summary. This is operational text, not attorney-reviewed.

Last updated: August 28, 2026

Contents

  1. 1. What AcquireLender is
  2. 2. We are not a lender
  3. 3. No financial advice
  4. 4. Rates, estimates & matching
  5. 5. Eligibility
  6. 6. Accounts
  7. 7. Acceptable use
  8. 8. Lenders & third-party links
  9. 9. Intellectual property
  10. 10. Disclaimers & limitation of liability
  11. 11. Indemnification
  12. 12. Governing law & disputes
  13. 13. Changes to these terms
  14. 14. Termination
  15. 15. Contact

1. What AcquireLender is

In plain English: AcquireLender is a matching and referral service. You answer a few questions, we show advertisers and example profiles whose published criteria overlap your answers, and you choose whether to apply with any of them.

AcquireLender is a lending-education and click-out referral service. Borrowers pay $0. You answer a short self-reported questionnaire. We return the top 2–3 fits from our config. We do not take loan applications, negotiate terms, or pull credit. A visitor who clicks through leaves this site and applies on the lender’s site.

2. We are not a lender

In plain English: We don’t lend money, make credit decisions, set rates, or process applications. Lending decisions belong entirely to the lenders, see our Advertiser Disclosure for the full picture.

We are not a lender. We do not take applications or fees from borrowers. Do not read these terms as a license claim of any kind.

3. No financial advice

In plain English: Our matches, calculators, and articles are educational tools built from self-reported inputs, not personalized financial, legal, or tax advice. For advice on your specific situation, talk to a licensed professional.

Nothing on the site is financial, legal, or tax advice. Calculators are estimates from the numbers you enter. Articles are education.

4. Rates, estimates & matching

In plain English: Every rate on the site is an estimate (“est. APR*”) from partners or, while sample profiles remain, an illustrative example. A match is not a commitment to lend and is not a preapproval.

Rates, speeds, and credit floors in the directory are example data until a real affiliate partner is approved and swapped into the config. A match percentage is a fit estimate based on what you told us. We do not preapprove anyone. Featured placements are labeled and do not change rank. Home-equity / HELOC / HEI click-out is not live in this build.

5. Eligibility

In plain English: You must be at least 18, based in the United States, and able to enter a binding agreement to use the service.

You must be 18 or older and located in the United States.

6. Accounts

In plain English: Sign-in is currently a local demo. Dashboards may be demo until real auth is live. Keep any future credentials private.

/signin and /signup currently store a mock session in your browser. Nothing is sent to a server. Treat the dashboard as a demo until Clerk or another auth vendor is actually wired.

7. Acceptable use

In plain English: Don’t misuse the service, no false information, no scraping or automated harvesting, no probing our systems, and no interfering with other users.

You agree not to submit false information, scrape or harvest the site, interfere with other users, or probe the service for abuse.

8. Lenders & third-party links

In plain English: When you click through to a lender, you leave AcquireLender. The lender’s own terms and privacy policy govern from that point, read them before you apply.

Demo apply buttons are labeled. Their hrefs currently point at example.com placeholders; with JavaScript on they do not navigate. When a live tracking URL exists, click-through is to that lender. Their terms and privacy policy govern after you leave.

9. Intellectual property

In plain English: The site, the AcquireLender brand, and our content belong to Ryan Vaca doing business as AcquireLender. Use the service normally; don’t copy or republish it without permission.

The site, brand, and content belong to Ryan Vaca doing business as AcquireLender.

10. Disclaimers & limitation of liability

In plain English: The service is provided “as is.” We work hard to keep information accurate, but we can’t warrant it, and our liability to you is limited to the fullest extent the law allows, without waiving non-waivable California consumer rights, including fraud.

THE SERVICE IS PROVIDED AS IS. To the fullest extent permitted by California law, Ryan Vaca doing business as AcquireLender is not liable for indirect, incidental, or consequential damages arising from use of the matching and referral service. Nothing here waives liability for fraud or other rights that California law does not allow a consumer to waive. If a limitation is found unenforceable, the rest of these terms still apply.

11. Indemnification

In plain English: If your misuse of the service or unlawful use creates legal claims against us, you agree to cover the resulting costs. This does not cover our own matching errors.

You will indemnify Ryan Vaca doing business as AcquireLender only for claims arising from your misuse of the service or your unlawful conduct, not from our own matching errors.

12. Governing law & disputes

In plain English: California law governs. Venue is state or federal courts in California. There is no arbitration clause, no class-action waiver, and no jury waiver.

These terms are governed by the laws of the State of California, without regard to conflict-of-law rules. Disputes will be heard in state or federal courts located in California. We do not require arbitration. We do not waive a jury trial. We do not require you to waive class actions.

13. Changes to these terms

In plain English: We may update these terms as the product evolves. We’ll update the date at the top and flag significant changes on the site; continued use means you accept the updated terms.

We will update the date above when these terms change and flag material changes on the site. Continued use after that date is acceptance of the updated terms.

14. Termination

In plain English: You can close your account at any time. We can suspend or end access for accounts that break these rules.

You may stop using the service and ask us to delete a live account via privacy@. We may suspend or end access for violation of these terms.

15. Contact

In plain English: Questions about these terms go to legal@acquirelender.com.

Operator: Ryan Vaca, California sole proprietor, doing business as AcquireLender. legal@acquirelender.com. Postal address available on request at that address.

Related reading: our Advertiser Disclosure explains how we make money, and our Privacy Policy covers your data.