Terms of Use for Fortress

Effective Date: May 28, 2026

Last Updated: May 28, 2026

1. Introduction

These Terms of Use ("Terms") are a binding agreement between you and Fortress Loan and Finance LLC ("Fortress," "Company," "we," "us," or "our"), a Colorado limited liability company with its principal office at 2265 Lima St, Aurora, CO 80010-1334.

Fortress operates the Fortress mobile application (the "App"), distributed on the Apple App Store, and related websites at fortressloanandfinance.com (together, the "Services"). The App is a loan-matching and lead-generation platform. We collect personal and financial information from consumers, package it into leads, and sell those leads to third-party lenders, financial institutions, and marketing partners who may contact you with offers.

Fortress is not a lender. We do not originate loans, make credit decisions, set interest rates or fees, fund loans, or guarantee that you will receive any offer, approval, or funding. Any loan or financial product is offered solely by an independent third party under its own terms.

By downloading, accessing, registering for, or using the App, you agree to these Terms, our Privacy Policy, and—specifically—the collection, use, and sale of your information as described in both documents. If you do not agree, do not use the Services.

2. Loan Terms: APR, Repayment, and Fees

The following describes general characteristics of products that may be offered by third-party lenders through or in connection with the App. Fortress does not set these terms; individual lenders disclose final terms before you accept any offer.

2a. APR range

Annual percentage rates on offers presented through the App can vary widely based on creditworthiness, loan amount, repayment term, lender underwriting, product type, and applicable state law. As an illustrative range, APRs may fall between 4% and 35.55%. Short-term or payday-style products may carry higher effective APRs than installment loans. Final APR is determined by the lender based on creditworthiness, state, and term, and is always disclosed before you accept an offer. Maximum allowable APRs differ by state—for example, several states impose caps on consumer loan rates, and some products may not be offered in every jurisdiction.

2b. Repayment terms

Repayment periods may typically range from approximately 70 days to 36 months, depending on the product and lender. Loan amounts shown through the App may range from $50 to $5,000, subject to lender criteria and eligibility. For example, a $2,000 installment loan at 24% APR repaid over 12 months may result in approximate monthly payments of $189. Actual amounts depend on lender calculations, fees, and your specific offer. A full repayment schedule is disclosed before you accept any loan.

2c. Payment frequency and methods

Payments may be due weekly, biweekly, semi-monthly, or monthly, as specified in the lender's agreement. The typical payment method is ACH debit from the bank account you designate. You are responsible for maintaining sufficient funds on each due date. If a payment is returned, the lender may charge a returned-payment fee. As an example, such fees may range from $15 to $35 per returned item, subject to state law and lender policy.

2d. Fees

Depending on the lender and product, you may encounter fees such as:

Origination fee (example range: 1%–8% of the loan amount)
Late payment fee (example: $15–$30 or 5% of the scheduled payment, whichever is less, where permitted by law)
NSF or returned payment fee (see Section 2c)

All material fees should be disclosed before you accept an offer. Fortress does not charge consumers a fee to download or use the App as a lead-generation tool.

2e. Early repayment

Many lenders permit early payoff without penalty, but policies differ. Review your lender's agreement to confirm whether prepayment charges apply.

2f. Cost disclosure

Before you accept any credit offer from a lender, you should receive a Truth in Lending Act (TILA)–compliant disclosure showing the APR, finance charge, total of payments, payment schedule, and applicable fees. Do not accept an offer unless you have reviewed and understand that disclosure.

3. Eligibility and Requirements

To use the App, you represent and warrant that you:

Have reached the age of majority where you live (18 or older in most U.S. states)
Are a lawful resident of the United States
Have the legal capacity to enter into binding contracts
Have a valid Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN)
Maintain an active U.S. checking account
Have a verifiable source of income
Will use the App only for lawful, personal, non-commercial purposes

You agree to provide the following information accurately, completely, and truthfully when requested:

Full legal name (first, middle, and last)
Date of birth
Email address
Phone number (mobile and/or home)
Full residential address, including street, city, state, and ZIP code
Social Security Number (SSN)
Driver's license number and issuing state
Bank account number (full account number)
Bank routing number
Bank name and account type (checking or savings)
Employer name and employer phone number
Employment status, job title, and income (monthly or annual gross)
Source of income
Purpose of the loan or cash advance request

4. Express Authorization to Collect and Sell Data

Please read this section carefully. It describes a core part of how the App works.

By submitting an application or request through the App, you expressly authorize Fortress Loan and Finance LLC to:

Collect all categories of personal and financial information listed in Section 3 and in our Privacy Policy
Sell and transfer your personal and financial information—including your SSN, driver's license number, full bank account number, routing number, employer phone number, income details, and loan purpose—to third-party lenders, financial institutions, marketing companies, data aggregators, lead buyers, and other purchasers
Receive monetary compensation, per-lead fees, cost-per-acquisition payments, revenue share, referral fees, or other valuable consideration in exchange for selling your data
Allow purchasers and their partners to contact you by phone, email, and SMS with offers for financial and other products, subject to your rights to opt out of marketing and sale as described in our Privacy Policy
Share your information with identity verification vendors, fraud-prevention services, and consumer reporting agencies where permitted by law

You understand that buyers may resell or further share data they receive from us under their own privacy policies, which Fortress does not control.

You may opt out of future sales of your personal information at any time by contacting [email protected] as described in our Privacy Policy. Opting out does not recall data already sold to third parties before your request is processed.

5. What the App Does and Does Not Do

We help match consumers with potential lenders and marketers by collecting information and selling consumer leads
We do not issue loans, set rates, make approval decisions, or guarantee any offer or funding outcome
Any credit agreement is solely between you and the lender you choose; Fortress is not a party to that agreement
You should review each lender's terms, disclosures, and privacy policy before accepting any offer

6. Account Creation and Security

You must keep your account information accurate and up to date. You are responsible for all activity that occurs under your account and for safeguarding your device and login credentials. Notify us immediately at [email protected] if you suspect unauthorized access.

We may verify your identity, request additional documentation, or suspend or restrict accounts that we reasonably believe are associated with fraud, misrepresentation, or misuse.

7. Electronic Communications and E-Sign

By using the Services, you consent to receive communications electronically from Fortress and, after your data is sold, from partner lenders and marketers. These may include emails, SMS messages (including one-time passwords), in-app notices, disclosures, and marketing messages where permitted by law and your consent preferences.

You agree that electronic signatures and electronic records have the same legal effect as handwritten signatures and paper records under the federal Electronic Signatures in Global and National Commerce Act (E-SIGN Act) and applicable state law, to the extent permitted.

By authorizing the sale of your data under Section 4, you also consent to being contacted by buyers via phone and SMS regarding financial products. This contact authorization is a material term of these Terms. To withdraw consent for electronic communications from Fortress, email [email protected]; withdrawal may limit your ability to use some App features.

8. Fees and Our Compensation

The App is free for consumers to download and use for lead submission and matching purposes. Fortress earns revenue primarily by selling consumer lead data to third parties. Compensation may take the form of per-lead fees, cost-per-lead (CPL) arrangements, cost-per-acquisition (CPA) payments, revenue share, referral fees, or other commercial arrangements.

These compensation arrangements may influence which partners receive your data, the order in which leads are distributed, or how offers are ranked or displayed. This business model is disclosed here and in our Privacy Policy in accordance with FTC guidance and state "sale" disclosure requirements, including the CCPA/CPRA where applicable.

9. Permitted Use and Prohibited Activities

You agree not to:

Use the App for any unlawful, fraudulent, or misleading purpose
Submit false, inaccurate, incomplete, or fabricated personal or financial information
Interfere with the security, integrity, or performance of the App or its infrastructure
Use bots, scrapers, or automated tools to access the App without our prior written consent
Upload viruses, malware, or other harmful code
Reverse-engineer, decompile, or attempt to extract source code from the App except as allowed by law
Copy, reproduce, or distribute App content without permission
Impersonate any person or entity or misrepresent your affiliation

10. Third-Party Sites and Providers

Lenders, marketers, data buyers, and other third parties operate under their own terms, privacy policies, and regulatory obligations. Fortress does not control and is not responsible for third-party offers, rates, fees, approval decisions, collection practices, or how buyers use your data after purchase.

Review each recipient's privacy policy and terms before engaging with an offer or providing additional information beyond what you submitted through the App.

11. Intellectual Property

The App, website, logos, text, graphics, software, and other materials are owned by Fortress Loan and Finance LLC or our licensors and are protected by intellectual property laws. We grant you a limited, revocable, non-exclusive, non-transferable license to use the App for personal, non-commercial purposes in accordance with these Terms. No other rights are granted.

12. User Feedback

If you submit ideas, suggestions, comments, or other feedback about the Services, you grant Fortress a perpetual, irrevocable, worldwide, royalty-free license to use, reproduce, modify, and incorporate that feedback in any manner without compensation or attribution to you.

13. Disclaimers

THE SERVICES ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS. TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, FORTRESS LOAN AND FINANCE LLC AND ITS OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, AND SUPPLIERS DISCLAIM ALL WARRANTIES, WHETHER EXPRESS, IMPLIED, OR STATUTORY, INCLUDING ANY IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, NON-INFRINGEMENT, ACCURACY, AND QUIET ENJOYMENT.

FORTRESS IS NOT A LENDER AND DOES NOT GUARANTEE THAT YOU WILL RECEIVE ANY LOAN OFFER, APPROVAL, OR FUNDING. WE MAKE NO REPRESENTATION OR WARRANTY REGARDING THE ACCURACY, COMPLETENESS, SUITABILITY, OR LEGALITY OF ANY OFFER PRESENTED BY A THIRD-PARTY BUYER, OR REGARDING THE CONDUCT OF ANY THIRD PARTY THAT PURCHASES YOUR DATA.

14. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, FORTRESS LOAN AND FINANCE LLC AND ITS OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, AFFILIATES, AND SERVICE PROVIDERS SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR FOR ANY LOSS OF PROFITS, REVENUE, DATA, GOODWILL, OR BUSINESS OPPORTUNITY, ARISING OUT OF OR RELATED TO YOUR USE OF THE SERVICES, THE SALE OR TRANSFER OF YOUR DATA, OR THE ACTS OR OMISSIONS OF ANY THIRD-PARTY BUYER, LENDER, OR MARKETER—EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

TO THE MAXIMUM EXTENT PERMITTED BY LAW, OUR TOTAL AGGREGATE LIABILITY FOR ALL CLAIMS ARISING OUT OF OR RELATING TO THE SERVICES OR THESE TERMS SHALL NOT EXCEED ONE HUNDRED U.S. DOLLARS (USD $100).

SOME JURISDICTIONS DO NOT ALLOW CERTAIN LIMITATIONS OF LIABILITY; IN THOSE JURISDICTIONS, OUR LIABILITY IS LIMITED TO THE GREATEST EXTENT PERMITTED BY LAW.

15. Indemnification

You agree to defend, indemnify, and hold harmless Fortress Loan and Finance LLC and its officers, directors, employees, contractors, and agents from and against any claims, damages, losses, liabilities, costs, and expenses (including reasonable attorneys' fees) arising out of or related to: your misuse of the Services; your violation of these Terms or applicable law; your submission of false or misleading information; or your infringement of any third-party rights.

16. Governing Law and Dispute Resolution

16a. Governing law

These Terms are governed by the laws of the State of Colorado and applicable federal law, without regard to conflict-of-law principles that would require application of another jurisdiction's laws.

16b. Binding arbitration

Except as provided in Section 16d, any dispute, claim, or controversy arising out of or relating to these Terms or the Services shall be resolved by binding individual arbitration administered under the Federal Arbitration Act and the rules of the American Arbitration Association (or another mutually agreed forum). You and Fortress waive any right to a jury trial and to participate in a class action, class arbitration, or other representative proceeding. The arbitrator may not consolidate claims or preside over any form of representative proceeding.

16c. Informal resolution

Before initiating arbitration, you agree to send a written notice describing the dispute to [email protected] and allow at least 30 days for informal resolution.

16d. Exceptions

Either party may seek injunctive or equitable relief in a court of competent jurisdiction in the State of Colorado for claims involving intellectual property infringement or unauthorized access to the Services.

17. Service Changes and Availability

We may modify, suspend, or discontinue any feature of the App or Services at any time, with or without notice. We do not guarantee uninterrupted or error-free operation.

18. Termination

We may suspend or terminate your access to the Services at any time if we reasonably believe you violated these Terms, submitted fraudulent information, or created legal or security risk. Upon termination, provisions that by their nature should survive—including intellectual property, disclaimers, limitation of liability, indemnification, and arbitration—will remain in effect.

19. Changes to These Terms

We may update these Terms from time to time. When we make material changes, we will update the Effective Date above and may provide notice through the App or by email. Your continued use of the Services after revised Terms are posted constitutes acceptance, unless applicable law requires your affirmative consent.

20. Apple-Related Terms (iOS Users)

If you access the App through the Apple App Store, you acknowledge and agree that:

These Terms are between you and Fortress Loan and Finance LLC only—not Apple Inc. ("Apple")
Apple is not a party to these Terms and has no obligation to furnish maintenance or support for the App
Apple is not responsible for any product liability claims, regulatory compliance failures, or consumer protection claims relating to the App
In the event of any failure of the App to conform to an applicable warranty, you may notify Apple and Apple may refund the purchase price (if any) for the App; to the maximum extent permitted by law, Apple has no other warranty obligation
Fortress, not Apple, is solely responsible for addressing claims relating to the App or your possession or use of it, including intellectual property infringement claims
Apple and its subsidiaries are third-party beneficiaries of these Terms and may enforce them against you upon your acceptance
Your use of the App must comply with the App Store Terms of Service and Apple's Media Services Terms and Usage Rules

21. Contact Us

Fortress Loan and Finance LLC
2265 Lima St, Aurora, CO 80010-1334
Email: [email protected]
Privacy requests: [email protected]
Website: fortressloanandfinance.com
Privacy Policy: fortressloanandfinance.com/privacy