Thank you for your message.
According to the Agreement, it is our job to supply you with the referrals. It is your job to apply with the referrals and to keep documentation of the results of all your applications.
Some clients will receive the full amount that they have requested, and others will receive a lesser amount. A very small percentage, perhaps 4% or less, will not receive any approvals. Regardless of the outcome, we want to make sure that it is fair for everyone. If you receive the full amount you request, then everyone is happy. If you receive less than the amount you request, then you can receive a partial refund, provided that you have applied with all referrals (with some exceptions as explained in the Terms of Service) and that you are able to provide proof of all approvals and denials by mail to our refund department, as explained in the Terms. If you are approved for nothing at all (very rare), then you still have the same option as we just explained.
It is possible that you may have already applied with one or more of our referrals. If so, not to worry. If you have already applied with any of the companies on our referral list within the past 60 days, then you do not need to apply with that company again. If you already have an existing loan or credit line with any of them, then do not apply with them. If they do not service your state or area, then you don’t have to apply. Just apply to the others, as needed. These stipulations are explained in detail in the Terms of Service. Here is a link to the Stipulations in the Terms of Service:
Here is a link to the full Terms of Service. Sections 15 and 16 are the most relevant:
Click the referral links that we sent you and apply directly with the companies, as we explained to you in the Agreement.
Note: If a lender is not willing to approve you, they may refer you to other companies as well. We would rather that you apply with our referrals only, because we have no control over other companies and where they might send you. We do not know where you will end up or if you will run into an unscrupulous company, so please be careful. Also, if any company tries to get you to sign up for credit monitoring or to get your credit score, there will always be a “No Thanks” link available or something to that effect. You are never under any obligation to pay for your credit score or to sign up for any subscriptions.
If you have not been approved for the full amount you requested after exhausting all referrals, then please follow proper refund procedures as explained in detail in the Terms of Service and Stipulations.