Terms of Use

Effective Date: January 1, 2026

Please read these Terms of Use carefully before using Just Finance' website, mobile application, or any of our financial products and services. These terms constitute a legally binding agreement between you and Just Finance, Inc.

1. Acceptance of Terms

By accessing or using any Just Finance product, website, or service, you agree to be bound by these Terms of Use and all applicable laws and regulations. If you do not agree with any of these terms, you are prohibited from using or accessing this site.

2. Use of Services

Just Finance grants you a limited, non-exclusive, non-transferable, revocable license to access and use our services for your personal, non-commercial use, subject to these Terms. You agree not to use the services for any unlawful purpose or in any way that could damage, disable, overburden, or impair our services.

3. Eligibility

To use our financial products you must be at least 18 years of age, a US resident, and meet our credit and eligibility criteria. We reserve the right to refuse service to anyone for any reason at any time.

4. Account Registration

You may be required to create an account to access certain features. You are responsible for maintaining the confidentiality of your account credentials and for all activity that occurs under your account. You agree to notify us immediately of any unauthorized use of your account.

5. Financial Products

All loan offers, interest rates, and terms are subject to credit approval and may vary based on your creditworthiness and other factors. Rates displayed are representative examples only. Just Finance is not a bank — banking services are provided by our bank partners, members FDIC.

6. Privacy

Your use of our services is also governed by our Privacy Policy, which is incorporated into these Terms by this reference. Please review our Privacy Policy to understand our practices.

7. Intellectual Property

The content, organization, graphics, design, and other matters related to the Just Finance website and services are protected under applicable intellectual property laws. You may not copy, reproduce, modify, distribute, or create derivative works without our express written permission.

8. Disclaimers

The services are provided on an "as is" and "as available" basis without any warranties of any kind. Just Finance disclaims all warranties, express or implied, including but not limited to implied warranties of merchantability, fitness for a particular purpose, and non-infringement.

9. Limitation of Liability

To the fullest extent permitted by law, Just Finance shall not be liable for any indirect, incidental, special, consequential, or punitive damages resulting from your use of, or inability to use, our services.

10. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the State of California, without regard to its conflict of law provisions. Any disputes shall be resolved through binding arbitration in San Francisco, California.

11. Changes to Terms

We reserve the right to modify these Terms at any time. We will provide notice of material changes by updating the effective date at the top of this page. Your continued use of our services after any changes constitutes your acceptance of the new Terms.

12. Contact Us

If you have questions about these Terms, please contact us at legal@justfinance.com or by mail at Just Finance, Inc., 275 Battery Street, 23rd Floor, San Francisco, CA 94111.