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”). 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.

1. 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.

2. Services

Safe Haven offers title loans and payday loans in Texas, subject to applicable state and federal laws and regulations. The specific terms and conditions of any loan will be provided to you in a separate loan agreement. These Terms govern your use of the Site, not the terms of any specific loan.

3. 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. Submitting an application does not guarantee loan approval.

4. 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.

5. 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.

6. 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.

7. Disclaimer of Warranties

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

8. 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 BUT NOT LIMITED TO DIRECT, INDIRECT, INCIDENTAL, CONSEQUENTIAL, AND PUNITIVE DAMAGES.

9. 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.

10. 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.

11. Contact Us

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

12. 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 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).
    • This agreement also applies to claims involving 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.

13. Entire Agreement

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

Contact Us HERE with Questions or Concerns