Legal Disclaimer

Effective Date: January 1, 2025

Important Disclaimer

ECHO RESERVE IS NOT A LENDER, FINANCIAL INSTITUTION, LOAN BROKER, OR AN AGENT OF A LENDER OR LOAN BROKER AND DOES NOT MAKE ANY CREDIT DECISIONS.

Service Description

Echo Reserve operates as a marketing platform that connects consumers with potential lenders who may be able to provide loans. We do not:

• Make loans or credit decisions
• Guarantee loan approval
• Set loan terms, rates, or conditions
• Collect loan payments
• Service existing loans

No Guarantee of Services

We make no guarantee that:

• You will be approved for any loan
• You will qualify for the loan amount you request
• Any lender will contact you
• You will receive favorable loan terms
• The service will be available at all times

Lender Responsibility

All loan terms, conditions, approvals, and funding decisions are made solely by participating lenders. Each lender has its own qualification criteria and approval process.

Financial Responsibility

You are solely responsible for:

• Reading and understanding all loan terms before accepting
• Ensuring you can afford the loan payments
• Making all loan payments on time
• Understanding the consequences of late or missed payments

State Regulations

Loan availability and terms vary by state. Some loan products may not be available in all states. All loans are subject to state and federal regulations.

Late Payment Consequences

Late or missed payments may result in:

• Additional fees and charges
• Negative impact on your credit score
• Collection activities
• Legal action

Contact Information

Echo Reserve
501 Carr Rd
Wilmington, DE 19809
United States
Phone: (866) 972-8099
Email: contact@echoreserve.com