Terms of Use

Effective Date: September 13, 2026

These Terms and Conditions (“Terms”) govern your access to and use of OfferFinancingToPatients.com (“Website,” “we,” “our,” or “us”).

By accessing or using this Website, submitting information, or requesting information about patient-financing services, you agree to these Terms. If you do not agree, do not use the Website.

1. About the Website

OfferFinancingToPatients.com provides information and referral services related to patient-financing options for medical, dental, and other eligible healthcare practices.

The Website is designed primarily for:

• Doctors and dentists
• Medical and dental practice owners
• Office managers and treatment coordinators
• Healthcare organizations
• Other authorized practice representatives
• Patients seeking general information about treatment-financing options

The Website may help practices connect with third-party lenders, financing platforms, program providers,s or other service partners.

2. We Are Not a Lender

OfferFinancingToPatients.com is not a bank, lender, creditor, or financial institution. We do not:

• Make loans
• Extend credit
• Determine financing eligibility
• Make credit decisions
• Approve or deny applications
• Establish interest rates
• Set repayment terms
• Guarantee financing
• Provide medical, legal, tax, or financial advice. Independent third-party lenders or financing providers offer all financing products. Each provider determines its own eligibility standards, approval requirements, rates, fees, repayment terms and conditions.

3. No Guarantee of Approval or Terms

Submitting a request through the Website does not guarantee:

• Practice enrollment
• Patient approval
• A specific financing amount
• A particular interest rate
• A particular monthly payment
• Any specific repayment term
• Funding by a certain date
• Availability of financing in every location
• Availability for every treatment or procedure

Financing is subject to lender approval, applicable credit criteria, verification requirements, terms and conditions.

Any examples presented on the Website are for general informational purposes and may not represent the options available to a particular practice or patient.

4. Third-Party Financing Providers

If you request information about patient financing, we may introduce you to or provide information about independent lenders, financing platforms, or program providers.

When you visit a third-party website or submit information directly to a financing provider, you are subject to that provider’s:

• Terms and conditions
• Privacy policy
• Application requirements
• Credit authorization
• Electronic communication consent
• Financing agreement
• Rates, fees and repayment terms
• Other applicable disclosures

You are responsible for reviewing and understanding all third-party terms before applying, enrolling,g or accepting financing.

We do not control and are not responsible for the decisions, services, security practices, representations, or conduct of third-party providers.

5. Practice Enrollment Requests

A medical or dental practice may use the Website to request information about offering patient financing.

By submitting information on behalf of a practice, you represent that:

• You are at least 18 years old
• You are authorized to act on behalf of the practice
• The information you provide is accurate and current
• You will not impersonate another person or organization
• You will use the services only for lawful business purposes
• You will comply with applicable healthcare, privacy, advertising,g and financing laws
• You will not make misleading claims about financing or patient eligibility

Submitting an enrollment or information request does not create a lender, broker, agency, partnership, fiduciary,ry or professional-advisor relationship.

6. Patient Applications

Patient financing applications may be completed through third-party lenders or financing platforms.

Patients are responsible for:

• Providing complete and accurate application information
• Reviewing all required disclosures
• Understanding the proposed financing terms
• Evaluating whether financing is appropriate for their circumstances
• Asking questions before accepting an offer
• Complying with any financing agreement they accept

Patients should not interpret information on this Website as a promise that they will qualify for financing.

7. No Medical Advice

The Website does not provide medical advice, diagnoses, or treatment recommendations.

Information about treatment financing should not influence whether a medical or dental procedure is clinically appropriate. Treatment decisions should be made between patients and qualified healthcare professionals.

Do not disregard professional medical advice or delay seeking care because of information presented on this Website.

8. Protected Health Information

General contact and practice-enrollment forms are not intended for submitting protected health information or medical records.

Do not submit:

• Patient names or identifying details
• Diagnoses
• Medical histories
• Treatment records
• Insurance information
• Social Security numbers
• Financial account information
• Other sensitive patient information

Unless expressly stated in a separate written agreement, use of this Website does not create a business-associate relationship under the Health Insurance Portability and Accountability Act.

Healthcare providers remain responsible for determining and fulfilling their obligations under applicable privacy and healthcare laws. HHS provides current guidance regarding covered entities, business associates, and online tracking technologies. HHS HIPAA Guidance

9. Consent to Communications

By submitting your telephone number or email address, you authorize relevant service providers and us to contact you about your inquiry, practice enrollment, available programs,s and related services.

Communications may be made by:

• Telephone
• Email
• Text message
• Automated technology where legally permitted

Your consent to receive marketing communications is not a condition of purchasing a product or service.

Message and data rates may apply to text messages. You may opt out of promotional text messages by replying STOP, when applicable. You may unsubscribe from marketing emails by using the link provided in the message.

Transactional, security and service-related communications may continue when necessary.

10. Acceptable Use

You agree not to use the Website to:

• Violate any law or regulation
• Submit false, misleading or fraudulent information
• Impersonate another person or business
• Attempt to obtain unauthorized access
• Interfere with Website operation or security
• Introduce malware or malicious code
• Scrape, copy or harvest Website data without permission
• Submit confidential patient information through unsecured forms
• Misrepresent financing availability or eligibility
• Use Website content for deceptive advertising
• Infringe intellectual-property or privacy rights
• Engage in spam, abuse, or unlawful solicitation

We may restrict or terminate access when we reasonably believe you have violated these Terms

11. Accuracy of Website Information

We attempt to provide useful and accurate information, but financing programs, provider requirements, and applicable laws may change.

We do not warrant that all Website information will always be:

• Complete
• Current
• Accurate
• Available
• Error-free
• Appropriate for every practice or patient

You should independently verify important information with the applicable financing provider or a qualified professional before deciding.

12. Advertising and Financing Representations

Medical practices are responsible for ensuring that their patient-financing advertisements, treatment presentations and communications are accurate and legally compliant.

Practices must not:

• State or imply that every patient will be approved
• Advertise terms that are not actually available
• Hide material rates, fees or conditions
• Describe financing as free when costs may apply
• Make unsubstantiated revenue or treatment-acceptance claims
• Pressure patients to accept financing or treatment
• Misrepresent a relationship with a lender or financing provider

The Federal Trade Commission maintains business guidance regarding advertising, credit, finance and consumer privacy. FTC Business Guidance

13. Intellectual Property

The Website and its content—including text, graphics, icons, logos, photographs, layouts, software and design elements—are owned by or licensed to OfferFinancingToPatients.com and are protected by applicable intellectual-property laws.

You may view and print reasonable portions of the Website for your internal, noncommercial use.

You may not, without prior written permission:

• Copy or republish substantial Website content
• Sell, license or commercially distribute Website materials
• Modify or create derivative works
• Remove copyright or ownership notices
• Use our name, logo or branding in a misleading manner
• Use automated systems to reproduce or extract Website content

14. Third-Party Links

The Website may contain links to lenders, financing platforms and other third-party websites.

Links are provided for convenience and do not necessarily constitute an endorsement. We do not control and are not responsible for third-party content, availability, security, products, policies or practices.

Your use of a third-party website is at your own risk and is governed by that third party’s terms and privacy policy.

15. Website Availability

We may modify, suspend or discontinue any portion of the Website at any time.

We do not guarantee uninterrupted access. Website availability may be affected by maintenance, technical failures, security events, internet disruptions or circumstances beyond our control.

16. Disclaimer of Warranties

To the fullest extent permitted by law, the Website and its content are provided on an “as is” and “as available” basis.

We disclaim all express and implied warranties, including warranties of:

• Merchantability
• Fitness for a particular purpose
• Noninfringement
• Accuracy
• Availability
• Security
• Compatibility
• Results

We do not warrant that the Website will be uninterrupted, error-free, secure or free from harmful components.

Some jurisdictions do not allow certain warranty exclusions, so portions of this section may not apply to you.

17. Limitation of Liability

To the fullest extent permitted by law, OfferFinLawingToPatients.com and its owners, officers, employees, contractors, affiliates and service providers will not be liable for indirect, incidental, special, consequential, exemplary or punitive damages arising from:

• Your use of or inability to use the Website
• Reliance on Website information
• Financing applications or decisions
• Third-party products or services
• Unauthorized access to information
• Lost revenue, profits, data or business opportunities
• Treatment, payment or credit decisions
• Website interruption or technical errors

Our total liability for any claim arising from the Website will not exceed the amount you paid directly to us for the applicable Website service during the six months preceding the event giving rise to the claim, or $100 if no amount was paid.

Some jurisdictions do not permit certain limitations of liability, so portions of this section may not apply to you.

18. Indemnification

To the extent permitted by law, you agree to defend, indemnify and hold harmless OfferFinancingToPatients.com and its owners, officers, employees, contractors, affiliates and service providers from claims, liabilities, losses, damages and expenses arising from:

• Your use of the Website
• Information you submit
• Your violation of these Terms
• Your violation of applicable law
• Your infringement of another person’s rights
• Misleading or unlawful financing representations
• Your handling of patient or applicant information

19. Privacy

Our Privacy Policy also governs your use of the Website.

The Privacy Policy explains how we may collect, use, disclose, and protect information.

20. Governing Law

These Terms will be governed by applicable United States law and the laws of the state in which the Website owner is organized, without regard to conflict-of-law principles.

Any legal proceeding that is not subject to a separate enforceable agreement must be brought in a court with proper jurisdiction over the Website owner, unless applicable consumer law requires otherwise.

21. Severability

If a provision of these Terms is determined to be unlawful or unenforceable, that provision will be enforced to the greatest extent permitted by law. The remaining provisions will remain in effect.

22. No Waiver

Failure to enforce a provision of these Terms does not waive the right to enforce that or another provision later.

23. Entire Agreement

These Terms, together with the Privacy Policy and other policies or disclosures posted on the Website, constitute the agreement governing use of the Website.

Separate agreements with lenders, financing providers or service partners are governed by their own terms.

24. Changes to These Terms

We may update these Terms to reflect changes in our Website, services, business practices or legal obligations.

We will post updated Terms on this page with a revised effective date. Your continued use of the Website after an update constitutes acceptance of the revised Terms.

25. Contact Us

Questions about these Terms may be submitted through:

OfferFinancingToPatients.com
Website: https://offerfinancingtopatients.com/
Contact: https://offerfinancingtopatients.com/contact/