S.O.S. LOANS, INC. – WEBSITE TERMS OF USE
Effective Date: August 24, 2026
Last Updated: August 24, 2026
PLEASE READ THESE TERMS OF USE CAREFULLY BEFORE ACCESSING OR USING THIS WEBSITE OR OUR ONLINE APPLICATION PORTAL. BY ACCESSING, BROWSING, OR USING THIS WEBSITE, ANY SUBPAGES, OR ANY ONLINE SERVICES OFFERED BY S.O.S. LOANS, INC., YOU ACKNOWLEDGE THAT YOU HAVE READ, UNDERSTOOD, AND AGREE TO BE LEGALLY BOUND BY THESE TERMS OF USE, OUR PRIVACY POLICY (INCLUDING THE CCPA/CPRA NOTICE AT COLLECTION), AND ALL APPLICABLE STATE AND FEDERAL LAWS. IF YOU DO NOT AGREE, IMMEDIATELY CEASE USE OF THIS WEBSITE AND DO NOT SUBMIT AN APPLICATION.
1. California Regulatory Licensing & Lending Disclosures S.O.S. Loans, Inc. is a licensed California direct lender and mortgage broker licensed by the California Department of Financial Protection and Innovation (DFPI) under the California Financing Law (CFL License No. 603F428 / NMLS ID: 2222125).
Loans made or arranged pursuant to a California Financing Law license.
All loan applications, credit decisions, interest rates, fees, and loan terms are subject to formal underwriting approval, identity verification, ability-to-repay assessments, and final credit determination by S.O.S. Loans, Inc. in compliance with the California Financial Code.
2. Scope of Service & Eligibility
Geographic Limitation: This website, its content, and all personal loan products are intended solely for residents of the State of California who reside in jurisdictions where S.O.S. Loans, Inc. is authorized to conduct business.
Age Requirement: You must be at least 18 years of age (or the age of legal majority in California) and a lawful resident of the United States to access this site or apply for credit.
Non-Solicitation: Nothing on this website constitutes an offer, solicitation, or commitment to lend in any jurisdiction outside the State of California or where prohibited by law.
3. Online Loan Applications, Accuracy of Information & Credit Inquiries
Truth in Application: By submitting an inquiry or loan application through this portal, you certify under penalty of perjury that all information provided (including legal name, address, Social Security Number, income, employment, and banking details) is true, accurate, and complete.
Credit Inquiries: You acknowledge that submitting an application authorizes S.O.S. Loans, Inc. under the Fair Credit Reporting Act (FCRA) to obtain consumer credit reports, verify employment and bank records, and validate identity via third-party databases.
No Guarantee of Approval: Completing an online application or receiving an automated pre-qualification estimate does not guarantee credit approval or a specific loan amount or interest rate.
4. Consent to Electronic Communications and Disclosures (E-SIGN & TCPA)
E-Sign Integration: By using this site and submitting an application, you agree to conduct transactions electronically under the federal Electronic Signatures in Global and National Commerce Act (E-SIGN Act, 15 U.S.C. § 7001 et seq.) and the California Uniform Electronic Transactions Act (UETA, Cal. Civ. Code § 1633.1 et seq.).
Communication Consent: By providing your email address and telephone number (including mobile cellular numbers), you consent to receive communications, disclosures, notices, account alerts, and servicing messages from S.O.S. Loans, Inc. as detailed in our E-Signature Agreement and Communication Consent Disclosure.
5. Data Privacy & California Consumer Privacy Act (CCPA / CPRA) Your privacy and the security of your nonpublic personal information (NPI) are strictly protected. The collection, processing, storage, and sharing of personal and financial information are governed by the S.O.S. Loans, Inc. Privacy Policy, the Gramm-Leach-Bliley Act (GLBA), the California Consumer Privacy Act (CCPA), and the California Privacy Rights Act (CPRA). Please review our full Privacy Policy and Notice at Collection linked in the footer of this website.
6. User Portal Security & Prohibited Activities
Account Security: If you create an account, profile, or portal login, you are solely responsible for maintaining the confidentiality of your credentials and restricting unauthorized access to your devices.
Prohibited Conduct: You agree not to:
Access, tamper with, or use non-public areas of our servers, systems, or data networks.
Introduce malicious code, trojans, viruses, worms, or scraping/crawling bots.
Attempt to probe, scan, test the vulnerability of, or breach any security or authentication measures.
Use this website or its content for commercial exploitation, reverse-engineering, or competitive benchmarking.
7. Intellectual Property & Proprietary Rights All content, trade dress, trademarks, logos, domain names, interface layouts, software code, and text contained on this website are the proprietary property of S.O.S. Loans, Inc. and are protected by United States and international copyright and intellectual property laws. Unauthorized reproduction, distribution, modification, or republication is strictly prohibited without prior written consent.
8. Disclaimer of Warranties THIS WEBSITE AND ALL MATERIALS, INFORMATION, SOFTWARE, PRODUCTS, AND SERVICES INCLUDED IN OR AVAILABLE THROUGH THIS SITE ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS FOR YOUR USE. S.O.S. LOANS, INC. EXPRESSLY DISCLAIMS ALL WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE FUNCTIONS CONTAINED IN THIS SITE WILL BE UNINTERRUPTED, SECURE, OR ERROR-FREE, OR THAT DEFECTS WILL BE CORRECTED.
9. Limitation of Liability UNDER NO CIRCUMSTANCES SHALL S.O.S. LOANS, INC., ITS DIRECTORS, OFFICERS, EMPLOYEES, AFFILIATES, AGENTS, OR LICENSORS BE LIABLE FOR ANY DIRECT, INDIRECT, PUNITIVE, INCIDENTAL, SPECIAL, OR CONSEQUENTIAL DAMAGES ARISING FROM THE USE OF, OR INABILITY TO USE, THIS SITE, PORTAL, OR SERVICES. THIS LIMITATION APPLIES WHETHER THE ALLEGED LIABILITY IS BASED ON CONTRACT, TORT, NEGLIGENCE, STRICT LIABILITY, OR ANY OTHER BASIS, EVEN IF S.O.S. LOANS, INC. HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGE.
CERTAIN JURISDICTIONS DO NOT ALLOW LIMITATIONS ON IMPLIED WARRANTIES OR THE EXCLUSION OF CERTAIN DAMAGES. IF THESE LAWS APPLY TO YOU, SOME OR ALL OF THE ABOVE DISCLAIMERS MAY NOT APPLY.
10. Third-Party Links This website may contain links to external third-party websites or services (e.g., identity verification engines, credit bureaus, or payment gateways). S.O.S. Loans, Inc. does not control, endorse, or assume responsibility for the content, privacy policies, or operational practices of any third-party websites. Accessing external links is done solely at your own risk.
11. Dispute Resolution, Mandatory Arbitration & Class Action Waiver
Governing Law: These Terms of Use, your access to this website, and any dispute arising out of or related to this website or services shall be governed by and construed in accordance with the laws of the State of California and applicable federal laws of the United States, without regard to conflict of law principles.
Venue: You agree that any legal action or proceeding not subject to arbitration shall be brought exclusively in the state or federal courts located in Los Angeles County, California, and you submit to the personal jurisdiction of such courts.
Class Action Waiver: TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, ALL DISPUTES MUST BE RESOLVED ON AN INDIVIDUAL BASIS. YOU WAIVE ANY RIGHT TO COMMENCE, JOIN, OR PARTICIPATE AS A PLAINTIFF OR CLASS MEMBER IN ANY CLASS ACTION, COLLECTIVE ACTION, PRIVATE ATTORNEY GENERAL ACTION, OR REPRESENTATIVE PROCEEDING AGAINST S.O.S. LOANS, INC.
12. Severability & Modifications If any provision of these Terms of Use is held invalid, illegal, or unenforceable by a court of competent jurisdiction, such provision shall be severed and the remaining provisions shall continue in full force and effect. S.O.S. Loans, Inc. reserves the right to modify, amend, or update these Terms of Use at any time by posting updated terms on this website. Continued use of the website following any update constitutes acceptance of the revised terms.
13. Contact & Regulatory Information
S.O.S. Loans, Inc.
3655 Torrance Blvd, Suite 460
Torrance, CA 90503
Toll-Free: 1-800-503-6648
Fax: 1-800-503-6648
Email: [email protected]
NMLS ID: 2222125 | DFPI CFL License No. 603F428
© 2026 S.O.S. Loans, Inc. All rights reserved.