TERMS AND CONDITIONS

ACCEPTANCE OF THE TERMS OF USE

These terms and conditions govern your use of the Titan Edge USA website and all related services. By accessing this website, you acknowledge that you will abide by and are bound by these Terms of Use ("Terms") and our Privacy Policy. If you do not agree with these Terms, you must discontinue use of this website immediately.

TEXAS CREDIT ACCESS BUSINESS DISCLOSURE

Titan Edge USA operates as a Credit Access Business (CAB) in compliance with Texas Finance Code Chapter 393. All loans are made by third-party lenders licensed by the Texas Office of Consumer Credit Commissioner (OCCC). We facilitate access to credit but do not directly lend money.

ACCOUNT SECURITY AND USE OF THE WEBSITE

To use our services, you may be required to provide personal information for registration. You agree that all information provided is current, complete and accurate. Any username, password or other credentials remain confidential and you must notify us immediately of any unauthorized access. We reserve the right to disable any account that violates these security terms. You are responsible for ensuring anyone accessing the website through your connection complies with these Terms.

TEXAS LOAN TERMS

All loans facilitated through our service are subject to Texas lending laws. Loan amounts, rates and terms vary based on lender approval and Texas regulations. Texas law provides specific protections including the right to request an extended payment plan once per 12-month period at no additional cost.

PROHIBITED USES

You agree not to use this website in any way that violates Texas or federal laws. Prohibited activities include but are not limited to: attempting to exploit minors, sending unsolicited commercial communications, introducing malicious software, unauthorized copying of content, or any activity that could harm our systems or other users. Any violation may result in immediate termination of your access.

INTELLECTUAL PROPERTY RIGHTS

All content on this website is protected by copyright, trademark and other intellectual property laws. You may use the website for personal, non-commercial purposes only. Any unauthorized use, reproduction or distribution of content is strictly prohibited and may violate Texas Penal Code §31.03 regarding theft of intellectual property.

CHANGES TO WEBSITE AND TERMS

We reserve the right to modify the website or these Terms at any time. Continued use after changes constitutes acceptance. It is your responsibility to review these Terms periodically for updates. Texas law requires us to provide notice of material changes to loan terms, which will be communicated separately.

TEXAS-SPECIFIC PROVISIONS

Texas borrowers have specific rights including: the right to cancel any loan before the close of the next business day by returning principal funds; protection from harassment under the Texas Debt Collection Act; and the right to file complaints with the OCCC at 800-538-1579. All collection activities comply with Texas Finance Code Chapter 392.

DISCLAIMERS AND LIMITATION OF LIABILITY

The website and services are provided "as is" without warranties of any kind. To the fullest extent permitted by Texas law, we disclaim all warranties including merchantability and fitness for purpose. We shall not be liable for any damages arising from use of this website, except as required by Texas Finance Code §393.604 regarding CAB liability.

GOVERNING LAW AND JURISDICTION

These Terms shall be governed by Texas law. Any disputes shall be resolved in the courts of Travis County, Texas. You waive any objections to jurisdiction and venue in these courts. This provision does not affect your rights under Texas Finance Code §393.621 regarding alternative dispute resolution.

INDEMNIFICATION

You agree to indemnify Titan Edge USA against all claims arising from your breach of these Terms or unlawful use of the website, except as limited by Texas law. This includes liability for attorneys' fees as permitted by Texas Civil Practice and Remedies Code §38.001.

CONTACT INFORMATION

For questions about these Terms or to exercise your Texas consumer rights, contact us at: 539 W. Commerce Street, Suite: 4513, Dallas,TX, United States 75208, or through our website contact form. Complaints may also be filed with the OCCC as specified above.