TERMS OF USE

1. Acceptance of Terms

By accessing or using BreadFinancialApply.com (the "Site"), you agree to be bound by these Terms of Use and our Privacy Policy. If you do not agree to all of these terms, you must not use this Site. These Terms apply to all visitors, users, and others who access or use the Site.

2. Nature of This Website

BreadFinancialApply.com is an independent consumer finance information website. We provide educational content about Bread Financial personal loans and related financial products. Specifically:

• We do not originate, fund, or underwrite any loans
• We do not make credit decisions or guarantee loan approval
• We do not collect financial applications on behalf of any lender
• We are not affiliated with Bread Financial Holdings, Inc. or any of its subsidiaries
• Information on this Site is for informational and educational purposes only

3. Affiliate Disclosure

BreadFinancialApply.com participates in affiliate marketing programs. This means we may receive compensation when you click on links to financial products featured on this Site and complete an application or purchase. This compensation may affect which products we feature and how they are displayed, but it does not influence our editorial ratings or assessments.

All affiliate relationships are disclosed in accordance with the Federal Trade Commission (FTC) guidelines (16 C.F.R. Part 255). Our editorial content is produced independently of our commercial relationships.

4. Accuracy of Information

We strive to maintain accurate, up-to-date information. However, financial product terms, rates, fees, and eligibility requirements are set by Bread Financial and its banking subsidiaries and are subject to change at any time without notice. We make no warranties about the completeness, accuracy, or timeliness of information on this Site.

5. No Financial Advice

Nothing on this Site constitutes financial, legal, tax, or investment advice. Content is provided for informational purposes only. Before making any financial decision, you should consult a licensed financial advisor, attorney, or other qualified professional who can assess your specific situation.

6. Intellectual Property

All original content on BreadFinancialApply.com — including text, graphics, logos, and design — is the property of BreadFinancialApply.com and is protected by copyright law. You may not reproduce, distribute, or create derivative works without our express written consent. "Bread Financial," "Comenity Bank," and related marks are trademarks of their respective owners.

7. User Conduct

By using this Site, you agree not to:

• Use the Site for any unlawful purpose or in violation of any applicable laws
• Attempt to gain unauthorized access to any part of the Site or its infrastructure
• Transmit any malicious code, viruses, or harmful content
• Scrape, crawl, or systematically extract data without permission
• Misrepresent your identity or affiliation with any person or organization

8. Third-Party Links

This Site contains links to third-party websites, including Bread Financial's official website and other financial institutions. We have no control over the content, privacy practices, or terms of third-party sites. A link does not constitute an endorsement. You access third-party sites at your own risk and subject to their own terms.

9. Disclaimer of Warranties

This Site is provided on an "as is" and "as available" basis without any warranties of any kind, express or implied. To the fullest extent permitted by law, we disclaim all warranties, including but not limited to merchantability, fitness for a particular purpose, and non-infringement.

10. Limitation of Liability

To the maximum extent permitted by applicable law, BreadFinancialApply.com and its operators shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of, or inability to use, this Site or any content herein — including any financial decisions you make based on information found here.

11. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the United States. Any disputes arising from these Terms shall be subject to the exclusive jurisdiction of the courts located in the United States.

12. Changes to These Terms

We reserve the right to update these Terms of Use at any time. Changes will be effective immediately upon posting, with the updated "Last Updated" date shown above. Your continued use of the Site after changes constitutes acceptance of the revised Terms.

13. Contact Us

For questions about these Terms of Use, contact us at: [email protected]