Effective Date: December 18, 2025

1. Acceptance of Terms

By accessing or using the Lantern Financial website (the “Website”), you agree to be bound by these Terms of Use and all applicable laws and regulations. If you do not agree with these Terms, you must not use this Website.

2. About Lantern Financial

Since 1993, Lantern Financial has been Southern California’s leader in small business loans. The information provided on this Website is for general informational purposes only and does not constitute a binding loan offer or financial advice.

3. Use of the Website

You agree to use this Website only for lawful purposes and in a manner that does not violate any applicable laws or regulations. You may not:

• Use the Website for fraudulent or misleading purposes

• Attempt to gain unauthorized access to any part of the Website

• Interfere with the security or functionality of the Website

• Upload or transmit viruses, malware, or harmful code

4. No Guarantee of Loan Approval

Submitting information through this Website does not guarantee loan approval, financing, or specific loan terms. All loan products, approvals, rates, and terms are subject to lender requirements, verification, and applicable laws.

5. Intellectual Property

All content on this Website, including text, graphics, logos, images, and design elements, is the property of Lantern Financial or its licensors and is protected by U.S. and international copyright and trademark laws.

You may not copy, reproduce, modify, distribute, or use any content without prior written consent.

6. Third-Party Services and Links

This Website may contain links to third-party websites or services. Lantern Financial does not control and is not responsible for the content, policies, or practices of third parties. Accessing third-party links is at your own risk.

7. Disclaimer of Warranties

The Website and its content are provided on an “as is” and “as available” basis. Lantern Financial makes no warranties, express or implied, regarding the accuracy, reliability, or availability of the Website or its content.

8. Limitation of Liability

To the fullest extent permitted by law, Lantern Financial shall not be liable for any direct, indirect, incidental, consequential, or special damages arising from your use of or inability to use the Website, including but not limited to loss of data, revenue, or business opportunities.

9. Indemnification

You agree to indemnify and hold harmless Lantern Financial, its officers, employees, and partners from any claims, damages, liabilities, or expenses arising from your violation of these Terms or misuse of the Website.

10. Privacy Policy

Your use of the Website is also governed by our Privacy Policy, which explains how we collect, use, and protect your information.

11. Governing Law

These Terms of Use are governed by and construed in accordance with the laws of the State of California, without regard to conflict of law principles.

12. Changes to These Terms

Lantern Financial reserves the right to update or modify these Terms of Use at any time. Any changes will be effective immediately upon posting on this page. Continued use of the Website constitutes acceptance of the revised Terms.

13. Contact Information

If you have questions about these Terms of Use, please contact us:

Lantern Financial
📍 13701 Riverside Dr., 3rd Floor, Sherman Oaks, CA 91423
📞 1-800-504-0100