Effective Date: February 1, 2026

These Terms of Use (“Terms”) govern your access to and use of TheLoanMinister.com (the “Website”), operated by The Loan Minister Financial Consulting Group (“The Loan Minister,” “we,” “us,” or “our”).

By accessing or using this Website, you agree to be bound by these Terms. If you do not agree, you must not use this Website.

1. NATURE OF OUR SERVICE

TheLoanMinister.com is a loan referral platform.

We are NOT:

• A bank
• A lender
• A credit broker
• A financial advisor

We do not issue loans, approve loans, or make lending decisions.

We provide information about financial products and, where you request, facilitate a connection between you and licensed financial institutions.

All lending decisions, approvals, terms, and conditions are made solely by the financial institution.

2. ELIGIBILITY

You must be at least 18 years old to use this Website. By using this Website, you confirm that you meet this requirement.

3. ACCURACY OF INFORMATION

You agree that all information you provide is true, accurate, and current.

Providing false or misleading information may result in refusal of service and may be reported to the relevant financial institution.

4. NO FINANCIAL ADVICE

All content on this Website is for informational and educational purposes only.

Nothing on this Website constitutes:

• Financial advice
• Credit advice
• Legal advice
• Recommendation of any specific lender or product

You are responsible for conducting your own due diligence before entering into any financial agreement.

5. REFERRALS TO LENDERS

When you submit a loan enquiry, you expressly consent to us sharing your information with relevant lenders so they may contact you directly.

We do not control how lenders assess your application, their approval process, or their terms.

6. THIRD-PARTY WEBSITES

Our Website may contain links to third-party websites, including lenders and advertisers.

We are not responsible for:

• Their content
• Their privacy practices
• Their decisions
• Their terms and conditions

Your interactions with third parties are solely between you and them.

7. LIMITATION OF LIABILITY

To the fullest extent permitted by law, ScoopRate Technologies Limited and TheLoanMinister.com shall not be liable for:

• Any loan rejection or approval
• Any interest rates, fees, or loan terms offered by lenders
• Any loss or damage arising from reliance on information on this Website
• Any issues arising from your interaction with third-party lenders

Your use of this Website is at your own risk.

8. INTELLECTUAL PROPERTY

All content on this Website, including text, graphics, logos, and design, is the property of ScoopRate Technologies Limited and may not be copied or reproduced without permission.

9. PRIVACY

Your use of this Website is also governed by our Privacy Policy.

10. CHANGES TO THESE TERMS

We may update these Terms at any time. Continued use of the Website constitutes acceptance of any changes.

11. GOVERNING LAW

These Terms are governed by the laws of Jamaica.

12. CONTACT

For questions regarding these Terms, contact: privacy@theloanminister.com

Mario Wong
The Loan Minister Financial Consulting Group