Terms of Use

Effective Date: Feb 26, 2025

Welcome to the Safe Haven Loan website (the “Site”), operated by Safe Haven Loan (collectively, “Safe Haven,” “we,” “us,” or “our”). These Terms of Use (“Terms”) govern your access to and use of the Site and the services offered through it (the “Services”), including SMS notifications. By accessing or using the Site, you agree to be bound by these Terms. If you do not agree to these Terms, please do not use the Site.

Eligibility

You must be at least 18 years of age and a resident of Texas to use the Services. By using the Site, you represent and warrant that you meet these eligibility requirements. The Services are not offered in all jurisdictions, and we may refuse service to anyone at our discretion.

Services

Safe Haven, a Credit Access Business/Credit Service Organization (CAB/CSO) in Texas, facilitates connections between borrowers and third-party lenders for title loans and payday loans, subject to applicable state and federal laws. The specific terms and conditions of any loan will be provided in a separate loan agreement by the lender. These Terms govern your use of the Site and related SMS notifications, not the terms of any specific loan.

Loan Applications

If you submit a loan application through the Site, you agree to provide accurate and complete information. We may verify your information with third-party sources, including credit bureaus. You authorize us to obtain such information. By submitting an application, you expressly consent to receive SMS notifications from Latte Loans regarding your loan application status, payment reminders, fund disbursement updates, and account inquiries, as outlined in Section 14. Submitting an application does not guarantee loan approval.

User Accounts

If you create an account on the Site, you are responsible for maintaining the confidentiality of your login credentials. You are responsible for all activities that occur under your account. You agree to notify us immediately of any unauthorized access to or use of your account.

Intellectual Property

The content of the Site, including text, graphics, logos, images, and software, is the property of Safe Haven or its licensors and is protected by copyright and other intellectual property laws. You may not use any content from the Site without our prior written consent.

Prohibited Activities

You agree not to:

  • Use the Site for any illegal or unauthorized purpose.
  • Impersonate any person or entity.
  • Interfere with or disrupt the operation of the Site.
  • Attempt to gain unauthorized access to any part of the Site or our systems.
  • Use any robot, spider, or other automated means to access the Site.
  • Violate any applicable laws or regulations.

Disclaimer of Warranties

THE SITE AND THE SERVICES, INCLUDING SMS NOTIFICATIONS, ARE PROVIDED “AS IS” AND “AS AVAILABLE” WITHOUT ANY WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED. WE DO NOT WARRANT THAT THE SITE OR SMS SERVICES WILL BE UNINTERRUPTED, ERROR-FREE, OR SECURE.

Limitation of Liability

TO THE FULLEST EXTENT PERMITTED BY LAW, WE WILL NOT BE LIABLE FOR ANY DAMAGES ARISING OUT OF OR IN CONNECTION WITH YOUR USE OF THE SITE OR THE SERVICES, INCLUDING SMS NOTIFICATIONS, INCLUDING BUT NOT LIMITED TO DIRECT, INDIRECT, INCIDENTAL, CONSEQUENTIAL, AND PUNITIVE DAMAGES.

Governing Law

These Terms will be governed by and construed in accordance with the laws of the State of Texas, without regard to its conflict of law principles.

Changes to Terms

We may update these Terms from time to time. Your continued use of the Site following any changes constitutes acceptance of the revised Terms.

Contact Us

If you have any questions about these Terms, please contact us at: help@latteloans.com

Arbitration Agreement

By using Safe Haven Loan’s services, website, or applying for a loan, you (“Customer”) agree that any dispute, claim, or controversy arising out of or relating to your loan agreement, this website, or any other services provided by Safe Haven Loan, including SMS notifications, shall be resolved exclusively through binding arbitration, rather than in court, except as otherwise provided below.

  • A. Scope of Arbitration

This arbitration agreement applies to all claims, including but not limited to:

  • Loan agreements, repayment terms, fees, or interest rates.
  • Marketing practices, privacy policies, or collection efforts.
  • Alleged violations of federal, state, or local laws, including the Texas Finance Code and the Truth in Lending Act (TILA).
  • Claims involving SMS notifications or third parties related to your transaction with Safe Haven Loan.
  • B. Arbitration Rules & Procedures

Arbitration shall be conducted by the American Arbitration Association (AAA) or a mutually agreed-upon arbitration provider, in accordance with its Consumer Arbitration Rules. The arbitration will be held in Texas, or at another location agreed upon by both parties. The arbitrator shall have the authority to award damages, injunctive relief, and attorneys’ fees where permitted by law.

  • C. No Class Actions

All arbitrations must be conducted on an individual basis only. You waive your right to participate in any class action, class arbitration, or representative proceeding against Safe Haven Loan.

  • D. Exceptions to Arbitration

Either party may seek relief in small claims court for disputes within its jurisdiction. Additionally, Safe Haven Loan may pursue debt collection actions in court for unpaid balances.

  • E. Governing Law

This arbitration agreement is governed by the Federal Arbitration Act (FAA) and the laws of the State of Texas, without regard to conflict-of-law principles.

  • F. Severability

If any part of this arbitration clause is found to be unenforceable, the remaining provisions shall remain in full force and effect.

  • G. Right to Opt-Out

You may opt out of this arbitration agreement by sending written notice to:

Safe Haven Loan, LLC
500 N Central Expressway Ste 500 #299
Plano, TX 75074

within 30 days of your first transaction with us. Opting out will not affect your ability to use our services or receive SMS notifications.

Entire Agreement

These Terms constitute the entire agreement between you and Safe Haven regarding the Site and the Services, including SMS notifications, and supersede all prior agreements and understandings.

SMS Messaging Terms

By submitting a loan application or using the Site, you consent to receive SMS notifications from Latte Loans, a CAB/CSO facilitating third-party loans, to the phone number provided during application. These messages, under the “Account Notifications” use case, include updates on loan application status (e.g., approval/denial by the lender), payment due reminders, fund disbursement confirmations from the lender, and account inquiries. Message frequency is variable, typically 1-5 messages per month, depending on account activity. Standard messaging rates may apply. To opt out, reply “STOP” to any message; you will receive one confirmation text. To re-subscribe, reply “START” or contact help@latteloans.com. We may share your phone number with third-party lenders for transaction purposes but will not sell it. Message and data rates may apply, and we are not liable for delayed or undelivered messages due to carrier issues. For help, reply “HELP” or email us. Your personal information is handled per applicable privacy laws, and you may review our Privacy Policy on the Site.

Contact Us HERE with Questions or Concerns