Terms of Use

Last updated: August 6, 2026

By using Lighten, you agree to these terms. They're written to be readable, but they're still the rules.

What Lighten is

Lighten is a free informational and comparison tool. We are not a lender, loan broker, credit repair organization, debt-settlement company, or financial, legal, or tax advisor. We do not extend credit or make credit decisions.

Not financial advice

All content, calculators, and estimates on Lighten are for general informational purposes only and do not constitute financial, legal, or tax advice. Whether a consolidation loan or any other product is right for you depends on your individual circumstances. Consider consulting a qualified professional before making financial decisions.

Estimates, not guarantees

Calculator outputs are estimates based on the information you enter and standard amortization math. They are not offers of credit and do not guarantee any rate, term, approval, or result. Actual terms are set by lenders and may differ.

Eligibility

You must be at least 18 years old and a U.S. resident to use Lighten.

Third-party sites and offers

Lighten links to third-party lenders and lending marketplaces. We do not control and are not responsible for their content, products, terms, or practices. Your dealings with any third party are solely between you and that party.

Acceptable use

You agree not to misuse the site, interfere with its operation, scrape it at scale, or use it for any unlawful purpose.

Disclaimer of warranties

The site is provided "as is" and "as available," without warranties of any kind, express or implied, including accuracy, fitness for a particular purpose, or non-infringement, to the fullest extent permitted by law.

Limitation of liability

To the fullest extent permitted by law, Lighten and its operators will not be liable for any indirect, incidental, consequential, or special damages arising from your use of the site or reliance on its estimates.

Governing law & changes

These terms are governed by the laws of [state — TBD], without regard to conflict-of-laws rules. We may update these terms; continued use after changes means you accept them. Contact: [contact email — TBD].