Effective date: October 6, 2026
These Terms of Use (“Terms”) govern your access to and use of the website operated by Zippy Loans LLC (“Zippy Loans,” “we,” “us,” or “our”), including the information and forms available at zippyloansnewmexico.com. By accessing the site or submitting information through it, you agree to these Terms and the Privacy Policy. If you do not agree, do not use the site.
About the website
The site provides information about Zippy Loans LLC and a way to contact us or submit a request for our direct review. Our team handles each request and communicates directly with you about the information provided and any applicable next steps. Information on the site is general and is not a promise that a particular result, amount, rate, schedule, or other term will be available to you.
Any information we provide in response to a request is based on the details available at that time and may require further review or confirmation. A form submission begins a communication; it does not by itself establish that a request has been accepted, that an account has been opened, or that a specific service will be provided. We will communicate directly about any next steps that apply.
Eligibility and accurate information
You must be at least 18 years old and legally able to enter into these Terms to use the site. By submitting a request, you represent that the information you provide is accurate, current, and complete to the best of your knowledge, and that you are authorized to provide it. You agree to update material contact information if it changes while we are addressing your request.
Do not impersonate another person, submit information without authority, or use contact information that you do not control. We may ask you to clarify or verify information to protect you and the integrity of our process. If you provide information that is materially false, misleading, or incomplete, we may be unable to respond or continue handling the request.
Your use of the site
You may use the site only for lawful purposes and in accordance with these Terms. You agree not to interfere with the site’s operation, attempt to gain unauthorized access to systems or accounts, probe or circumvent security measures, introduce malicious code, scrape or harvest information, or use automated means to overwhelm or disrupt the site. You may not use the site to transmit unlawful, threatening, deceptive, infringing, or harmful material.
We may suspend or restrict access when reasonably necessary to protect the site, our users, or our business, to investigate suspected misuse, or to comply with law. We may correct, update, suspend, or discontinue any part of the site at any time. We are not responsible for interruptions caused by maintenance, network conditions, equipment, or events outside our reasonable control.
Requests and communications
When you submit a form, you authorize Zippy Loans LLC to review the information and contact you about the request using the contact details you supplied, subject to your choices and applicable law. We may ask for additional details that are reasonably related to understanding or responding to the request. Do not send account passwords, full payment-card details, or other highly sensitive information unless we specifically provide a secure method and ask you to do so.
Contacting us or submitting a form does not require you to consent to text messages. Any SMS consent is optional and separate from acceptance of these Terms and the Privacy Policy. If you choose to receive texts, messages are limited to the request and account-related categories described in the consent language and the SMS Terms. Message frequency varies, up to 5 messages per month; message and data rates may apply. You can withdraw text consent at any time by replying STOP. Your decision about messages does not affect whether you may contact us or use the site.
Intellectual property
The site and its content, including text, visual design, logos, graphics, and software, are owned by Zippy Loans LLC or used with permission and may be protected by intellectual-property laws. You may view and print pages for your personal, noncommercial use. You may not copy, modify, distribute, publicly display, sell, or create derivative works from site content without our written permission, except where applicable law allows that use.
Privacy
Our Privacy Policy describes how we collect and use information associated with the site and your request. Please review it before submitting information. By using the site, you acknowledge that information may be handled as described in that policy. The Privacy Policy is part of these Terms, except that if a provision here conflicts with a specific privacy disclosure, the privacy disclosure governs how information is handled.
No professional advice or guaranteed result
Site content is for general informational purposes. It is not legal, tax, investment, or financial advice tailored to your circumstances. You should consider your own situation and consult a qualified professional if you need advice. Examples and descriptions are illustrative only. We do not guarantee eligibility, approval, availability, timing, pricing, or any particular outcome. A decision can only be communicated after the information relevant to that decision has been reviewed.
Disclaimers
To the maximum extent permitted by applicable law, the site and its content are provided “as is” and “as available,” without warranties of any kind, whether express, implied, or statutory. We disclaim implied warranties of merchantability, fitness for a particular purpose, title, and noninfringement, as well as warranties that the site will be uninterrupted, error-free, secure, or free of harmful components. We do not warrant that information on the site is complete or suitable for every purpose.
Some jurisdictions do not allow particular warranty exclusions, so parts of this section may not apply to you. Nothing in these Terms limits a right or remedy that cannot lawfully be limited or excluded.
Limitation of liability
To the maximum extent permitted by law, Zippy Loans LLC and its owners, officers, employees, and agents will not be liable for indirect, incidental, special, consequential, exemplary, or punitive damages, lost profits, loss of data, or loss of goodwill arising from or related to your use of, or inability to use, the site, even if advised that such damages were possible. To the maximum extent permitted by law, our total liability for claims arising from the site or these Terms will not exceed one hundred dollars (US $100) or the amount you paid us specifically to use the site, whichever is greater.
These limits apply regardless of the legal theory asserted and do not apply to liability that applicable law does not permit us to limit. You may have additional rights under the law of your state.
Governing law and disputes
These Terms are governed by the laws of the State of Texas, without regard to conflict-of-law rules, except where federal law or a mandatory consumer-protection rule applies. Any dispute concerning the site or these Terms will be brought in a state or federal court with jurisdiction in Dallas County, Texas, unless applicable law gives you the right to bring it elsewhere. You and Zippy Loans LLC consent to the jurisdiction of those courts where permitted by law.
Before bringing a formal claim, you agree to contact us with a description of the issue and allow a reasonable opportunity to address it. This does not prevent you from contacting a government agency or exercising a right that cannot be waived. Any claim must be brought within the period allowed by applicable law.
Changes and general terms
We may update these Terms from time to time. The effective date above identifies the current version. Continued use of the site after updated Terms take effect means you accept the updated Terms to the extent permitted by law. If a change requires specific notice or consent, we will provide it. If any provision is found unenforceable, the remaining provisions continue in effect, and the unenforceable provision will be limited only as much as necessary to make it enforceable.
Our failure to enforce a provision is not a waiver of our right to enforce it later. These Terms and the Privacy Policy constitute the agreement between you and us concerning your use of this site. They do not create an agency, partnership, joint venture, or employment relationship. You may not transfer your rights under these Terms without our written consent. We may assign these Terms as part of a corporate reorganization or transfer, subject to applicable law.
Contact
Questions about these Terms may be sent to [email protected] or mailed to Zippy Loans LLC, 6301 Gaston Ave, Ste 1317, Dallas, TX 75214.