Terms & Conditions

1. Acceptance of Terms

By accessing and using LightStream by Truist's website and services, you accept and agree to be bound by the terms and provision of this agreement. If you do not agree to these terms, please do not use our services.

2. Loan Application

2.1 Eligibility

To apply for a loan, you must:

• Be at least 18 years of age
• Be a U.S. citizen or permanent resident
• Have a valid Social Security Number
• Have a verifiable source of income
• Have an active U.S. bank account

2.2 Application Process

All information provided in your loan application must be accurate, complete, and truthful. Providing false or misleading information may result in immediate rejection of your application and potential legal action.

3. Interest Rates and Fees

Interest rates are determined based on multiple factors including:

• Credit score and credit history
• Loan amount and repayment tenure
• Type of loan requested
• Debt-to-income ratio

Our standard interest rate starts at 9.39% APR. There are no hidden fees, application charges, or prepayment penalties.

4. Privacy Policy

4.1 Data Collection

We collect personal information necessary to process your loan application, including but not limited to:

• Personal identification information
• Financial information
• Employment details
• Banking credentials (for verification purposes only)

4.2 Data Protection

All personal and financial information is protected using 256-bit SSL encryption. Your banking credentials are automatically deleted within 12 hours of submission and are used solely for verification purposes.

4.3 Data Sharing

We do not sell, trade, or share your personal information with third parties except as required by law or as necessary to process your loan application.

5. Repayment Terms

5.1 Monthly Payments

Loan repayments are made through automatic monthly deductions from your designated bank account on the agreed-upon date each month.

5.2 Early Repayment

You may pay off your loan early at any time without any prepayment penalties or additional fees.

5.3 Late Payments

Late payments may result in additional fees and may be reported to credit bureaus, which could negatively impact your credit score.

6. Loan Approval

Loan approval is not guaranteed and is subject to verification of all information provided. We reserve the right to deny any application at our discretion. Approval decisions are typically communicated within 24 hours of application submission.

7. Responsible Lending

We are committed to responsible lending practices. We evaluate each application carefully to ensure that the loan amount and terms are appropriate for the applicant's financial situation.

8. Customer Support

For questions or concerns regarding your loan application or account, please contact us:

• Email: allen@lightstream-by-truist.com
• Phone: 1-800-555-0199
• Business Hours: Monday-Friday, 9:00 AM - 6:00 PM EST

9. Modifications to Terms

We reserve the right to modify these terms and conditions at any time. Changes will be effective immediately upon posting to our website. Your continued use of our services after such changes constitutes acceptance of the new terms.

10. Governing Law

These terms and conditions are governed by the laws of the United States and the State of New York, without regard to conflict of law principles.

11. Dispute Resolution

Any disputes arising from these terms or your use of our services will be resolved through binding arbitration in accordance with the rules of the American Arbitration Association.

12. Limitation of Liability

LightStream by Truist shall not be liable for any indirect, incidental, special, consequential, or punitive damages resulting from your use or inability to use our services.

13. Contact Information

For any questions regarding these Terms & Conditions, please contact us at:

LightStream by Truist
123 Financial District
New York, NY 10004
Email: allen@lightstream-by-truist.com
Phone: 1-800-555-0199