Terms of Service

1. Acceptance of terms

By accessing or using LendingPulse at https://lendingpulse.news, you agree to be bound by these Terms of Service. If you do not agree, please do not use our service.

2. Service description

LendingPulse provides a paid annual subscription service that includes:

• The Lending Pulse — a weekly newsletter for consumer lending executives
• Earnings Decoded — quarterly earnings summaries covering major US consumer lenders
• PulseDaily — a daily briefing on the economy, consumers, and US lending markets
• Executive Brief — a monthly strategic one-pager for lending leaders

All content is intended for informational purposes only and does not constitute financial, legal, or investment advice.

3. Free trial

New subscribers may access LendingPulse free for 30 days. No credit card is required to start a trial. Full access to all products is provided from day one of the trial. We will send you a reminder email 5 days before your trial ends. If you do not subscribe before the trial ends, your access will pause automatically.

4. Subscriptions and billing

• LendingPulse is offered as an annual subscription at $200 per year, billed once annually.
• Payment is processed securely via Stripe. We do not store your card details.
• Your subscription renews automatically each year unless cancelled before the renewal date.
• You will receive an email reminder before each annual renewal.

5. Cancellation

You may cancel your subscription at any time. To cancel:

• Log in to your LendingPulse dashboard and manage your subscription, or
• Email us at hello@lendingpulse.news and we will cancel on your behalf.

Cancellation takes effect at the end of your current paid year. You will continue to have full access to LendingPulse until that date. You will not be charged again after cancellation.

6. Refunds

We offer a full refund within 14 days of your subscription payment. After 14 days, subscriptions are non-refundable. Free trial periods are not eligible for refunds. To request a refund, contact us at hello@lendingpulse.news within the eligible window.

7. Acceptable use

You agree not to:

• Share, resell, or redistribute LendingPulse content without written permission
• Use our content for commercial purposes beyond your personal or internal business use
• Scrape, copy, or reproduce our content in any automated manner
• Forward newsletter emails or share login credentials with others
• Attempt to gain unauthorized access to our systems

8. Intellectual property

All content published by LendingPulse — including newsletters, articles, summaries, and briefs — is the intellectual property of LendingPulse. Unauthorized reproduction or distribution is prohibited.

9. Disclaimer

LendingPulse content is for informational purposes only. Nothing published by LendingPulse constitutes financial, investment, or legal advice. LendingPulse makes no warranties regarding the accuracy or completeness of any content. You should not make any financial or business decisions based solely on LendingPulse content.

10. Limitation of liability

To the maximum extent permitted by law, LendingPulse shall not be liable for any indirect, incidental, special, or consequential damages arising from your use of our service or reliance on our content.

11. Governing law

These Terms are governed by and construed in accordance with the laws of the State of Oregon, United States, without regard to its conflict of law provisions. Any disputes arising from these Terms or your use of LendingPulse shall be resolved in the courts of Oregon.

12. Changes to these terms

We may update these Terms from time to time. We will notify active subscribers of material changes by email at least 14 days before they take effect. Continued use of LendingPulse after changes constitutes acceptance of the updated Terms. The most current version will always be available at lendingpulse.news/terms.