Effective: 01/02/2026
Please note that all calls with the company may be recorded or monitored for quality assurance and training purposes.
Liberty1 Financial provides “The User” with access to its content, resources, tools for communication, public forums, commerce platforms, and other services through its network of websites, “The Service.” Liberty1 Financial provides its service to the user, subject to the following Terms of Service.
Liberty1 Financial is not responsible for providing you access facilities or equipment (in any form) to its service. You, “The User,” by using this website, and by completing the registration process and clicking the “Submit” button, comprehend and agree that “The Service” may include advertisements and sponsorships and that these are necessary for Liberty1 Financial to provide “The Service.” You also comprehend and agree that Liberty1 Financial makes no representations or warranties about the suitability, reliability, availability, timeliness, and accuracy of the information, products, services and related graphics contained within “The Service” for any purpose. “The Service” is provided “as is” without warranty of any kind. Liberty1 Financial hereby disclaims all warranties and conditions with regard to “The Service.”
Liberty1 Financial helps consumers obtain unsecured consumer loans, typically used to pay off credit card or other consumer debt, by matching them with third-party lending partners.
The Service is subject to this Terms & Conditions, the Legal Disclaimer, and the Jury Trial Waiver, Class Action Waiver, and Arbitration Agreement described below.
Acknowledgment and Acceptance of Terms of Service
“The Service” is provided to you, “The User,” under these terms and conditions and any amendments thereto, and any operating rules or policies that may be published from time to time by Liberty1 Financial as part of the Terms of Service, Legal Disclaimer, and related disclosures, which are cumulatively included herein by reference. This also includes the Jury Trial Waiver, Class Action Waiver, and Arbitration Agreement described in the section below, which is a separate, freestanding agreement that is also incorporated into, and made part of, this Terms & Conditions by this reference. The Liberty1 Financial Terms of Service, together with those incorporated documents, comprises the entire agreement between “The User” and Liberty1 Financial and supersedes any prior agreements pertaining to the subject matter contained herein. By completing the registration process and clicking the “Submit” button, you are agreeing to be bound by the Liberty1 Financial Terms of Service, the Jury Trial Waiver, Class Action Waiver, and Arbitration Agreement, and the Legal Disclaimer.
PLEASE READ THIS SECTION CAREFULLY. IT AFFECTS YOUR LEGAL RIGHTS, INCLUDING YOUR RIGHT TO FILE A LAWSUIT IN COURT, TO HAVE A JURY DECIDE YOUR CLAIM, AND TO PARTICIPATE IN A CLASS, COLLECTIVE, OR REPRESENTATIVE ACTION.
Dispute Resolution; Binding Arbitration; Class Action Waiver; Jury Trial Waiver
This section is legally binding and affects your rights. Except as described below, you and Liberty1 Financial agree that any dispute, claim, or controversy arising out of or relating in any way to your use of the Service, your inquiry or application for a consumer loan through us, this Terms & Conditions, or the relationship between you and us (a “Dispute”) will be resolved by binding, individual arbitration under the Federal Arbitration Act, and not in court, except that either party may bring an individual action in small-claims court.
Jury Trial Waiver. You and Liberty1 Financial each waive the right to a trial by jury for any Dispute.
Class Action and Representative Action Waiver. You and Liberty1 Financial each waive the right to participate in a class action, collective action, or private attorney general or other representative action, in court or in arbitration, and the right to have a Dispute arbitrated on a class or representative basis. Neither you nor Liberty1 Financial may join or consolidate a Dispute with a dispute brought by anyone else.
How to opt out. You may opt out of this section by sending a signed, written notice (not electronic) within 60 calendar days of first using the Service, providing your information to us, or applying for our products or services, to: Liberty1 Financial, Attn: Legal/Compliance, 60 E Rio Salado Parkway, Suite 900, Tempe, AZ 85281. Include your name, mailing address, phone number, email address, and a statement that you are opting out of this section. Opting out of this section does not affect any other part of this Terms & Conditions or any other agreement between you and us.
What is not covered. This section does not require arbitration of, and does not waive your right to a jury trial or to participate in a class action for, any claim seeking public injunctive relief that cannot lawfully be waived under the law of the state where you reside; that claim will proceed in court, while any individual claims for damages or other individual relief between you and us are arbitrated. Disputes about the validity, enforceability, or scope of this section, or of the class action and representative action waiver, will be decided by a court, not an arbitrator.
Full agreement controls. This section summarizes, and is governed in full by, our separate Jury Trial Waiver, Class Action Waiver, and Arbitration Agreement, which contains the complete terms, including the identity of the arbitration administrator, the process for starting an arbitration, fee allocation, and hearing location, and which is incorporated into this Terms & Conditions by reference. If this section and that Agreement conflict, that Agreement controls. You may request a copy of that Agreement at any time using the contact information at the end of this Terms & Conditions.
Severability. If a court rules that any part of the class action or representative action waiver in this section is unenforceable as applied to a particular claim, that specific waiver will be severed as to that claim only, and the remainder of this section, including the requirement of individual arbitration for all other claims, will continue to apply. This section otherwise incorporates the severability provisions of the Jury Trial Waiver, Class Action Waiver, and Arbitration Agreement.
Governing Law and Venue
This Terms & Conditions, and any Dispute not subject to arbitration under the section above, will be governed by the laws of the State of Arizona, without regard to its conflict of laws principles, and, for the arbitration and class action waiver provisions specifically, by the Federal Arbitration Act. Any Dispute properly brought in court, meaning a small-claims matter or a claim for public injunctive relief described above, will be brought in the state or federal courts located in Maricopa County, Arizona, unless applicable law requires otherwise.
Modification of These Terms of Use
Liberty1 Financial reserves the right to change any of the terms, conditions, and notices under which “The Service” is offered. You are responsible for regularly reviewing these terms and conditions, including changes or modifications, if any, incorporated by us from time to time. Your continued use of “The Service” constitutes your agreement to all such terms, conditions, and notices.
Modification to “The Service”
Liberty1 Financial reserves the right to modify or discontinue, temporarily or permanently, “The Service” (or any part of “The Service”) with or without notice to “The User” at any time. “The User” agrees that Liberty1 Financial shall not be liable to “The User” or any third party for any modification or discontinuance of the Service.
User Conduct
“The Service” may include e-mail services, message boards, chat areas, newsgroups, forums, communities, and/or other message or communication facilities designed to enable you to communicate with others (collectively, “Tools for Communication”). You agree to use the Tools for Communication only to post, send, and receive messages and material that are proper and, when applicable, related to the particular Tool for Communication. You also hereby agree that you shall not make use of “The Service” for any commercial purpose, including reselling and/or co-branding or private labeling.
As a condition of your use of “The Service,” you, “The User,” agree to: (a) provide true, accurate, current, and complete information about yourself as required by “The Service’s” registration form (such data being the “Registration Information”); (b) maintain and promptly update the Registration Information to keep it accurate, current, and complete. If you provide any information that is untrue, inaccurate, not current, or incomplete, Liberty1 Financial has the right to terminate the user account and refuse any and all current or future use of “The Service”; and (c) grant Liberty1 Financial the right to use and disclose the aggregate registration information to third parties in connection with marketing of services, subject to the Privacy Policy. You have also consented to Liberty1 Financial’s right to use your registration information to provide targeted advertising and other service offers. This could also be used to customize the content you see, to fulfill your requests for certain products and services, and to contact or inform you through e-mail or otherwise about special offers or new products.
Usage Obligations
As a condition of your use of “The Service,” you must not use “The Service” for any illegal purpose. You will be solely responsible for the contents of transmissions made by you through “The Service.”
You agree not to use “The Service” to: (a) obstruct or hinder the use and enjoyment of “The Service” by other users; (b) violate any applicable local, state, national, or international law or regulation; (c) impersonate any person or entity, or falsely state or otherwise misrepresent your affiliation with a person or entity; (d) interfere with or disrupt “The Service” or servers or networks connected to “The Service,” or defy any requirements, regulations, or guidelines of networks connected to “The Service”; (e) transmit or otherwise make available any material in connection with surveys, chain letters, junk e-mail, spamming, contests, pyramid schemes, or any duplicative or unsolicited messages, commercial or otherwise; (f) upload, post, e-mail, transmit, or otherwise make available any content that is unlawful, damaging, intimidating, hostile, offensive, harassing, defamatory, improper, obscene, vulgar, invasive of another’s privacy, or ethnically or otherwise objectionable; (g) upload, post, e-mail, transmit, or otherwise make available any content protected by any patent, trademark, copyright, or other intellectual property law unless you own or control the rights or have received all necessary consents; (h) upload files that contain viruses, worms, corrupted files, or any other similar software or programs designed to disrupt, damage, or limit the operation of any computer or telecommunications equipment or property of another; (i) “stalk” or otherwise harass other users, or collect or store personal data about other users; (j) advertise, promote, or offer to sell or buy any goods or services for any business purpose unless “The Service” specifically allows such messages or transactions; (k) reproduce, duplicate, copy, sell, resell, or exploit for any commercial purpose any portion, use, or access of “The Service”; (l) violate the Fair Credit Reporting Act, the Fair Debt Collection Practices Act, or any other law; or (m) conduct any activity that would aid or assist terrorism or related activity or would endanger U.S. military personnel.
Liberty1 Financial has no obligation to observe and monitor “The Service.” However, Liberty1 Financial reserves the right to review materials posted and to remove any material. Liberty1 Financial also reserves the right to terminate your access to any or all of “The Service,” at any time, without notice, for any reason.
Liberty1 Financial reserves the right, subject to attorney-client privilege to the extent applicable and to the extent the same is not waived through these provisions, at all times to divulge any information as it considers necessary to satisfy any applicable law, regulation, legal process, or governmental request, or to edit, refuse to post, or remove any information or materials, in whole or in part. This applies most directly to the publicly accessible areas of “The Service” that are intended to be available to the general public, such as message boards and chat rooms open to both registered users and visitors.
Given the global nature of the World Wide Web, “The User” understands and agrees that technical processing of Tools for Communication is, and may be, required to send and receive messages, to correspond or conform to the technical requirements of connecting networks, to correspond or conform to the limitations of “The Service,” or to correspond or conform to other similar technical requirements.
User Account, Password Security
As part of “The Service’s” registration process, you will provide us with current, complete, and accurate information as requested by the registration form. You will then choose a username and password. You take total responsibility for maintaining the confidentiality of your password and account. You are also entirely responsible for any and all activities that occur under your account. You agree to notify Liberty1 Financial immediately of any unlawful or unauthorized use of your account or any other security violation. You agree to ensure that you exit from your account at the end of each session. You understand that Liberty1 Financial will not be liable for any loss or damage in any form incurred as a result of unauthorized usage of your account, with or without your knowledge. However, you may be held liable for losses or damages incurred by Liberty1 Financial or a third party as a result of your failure to comply with this clause. You also agree not to use anyone else’s account, at any time, without the prior permission of the account holder.
Privacy
Your use of “The Service” is also governed by our Privacy Policy, our Privacy Notice, and, if you are a California resident, our California Privacy Notice, each of which is incorporated into this Terms & Conditions by reference.
Disclaimer
Registration information and certain other information about you are subject to our Disclaimer. For more information, see our Legal Disclaimer.
Limitation of Liability
You expressly understand and agree that, to the extent permitted under applicable law, Liberty1 Financial shall not be liable for any direct, indirect, incidental, special, consequential, or exemplary damages, including but not limited to damages for loss of profits, goodwill, use, data, or other intangible losses (even if Liberty1 Financial has been advised of the possibility of such damages), resulting from: (i) the use or the inability to use the Service; (ii) the cost of procurement of substitute goods and services resulting from any goods, data, information, or services purchased, obtained, or received, or transactions entered into, through or from the Service; (iii) unauthorized access to or alteration of your transmissions or data; (iv) statements or conduct of any third party on the Service; or (v) any other matter relating to the Service.
Content Provided to the Service
Liberty1 Financial does not claim ownership of the “content” (in the form of data, text, software, music, sound, photographs, graphics, video, messages, or other materials) you provide to Liberty1 Financial, including feedback and suggestions, or post, upload, privately transmit, input, or submit to any Liberty1 Financial site or service for review by the general public. However, by posting, uploading, or making available content or any other material, you grant Liberty1 Financial and its affiliate sites permission to use your submission in connection with the operation of their internet businesses, including, without limitation, the rights to copy, distribute, transmit, publicly display, publicly perform, reproduce, edit, translate, and reformat your submission, and to publish your name in connection with your submission.
SMS, Auto-Dialed Calls, and AI Voice Assistance
Other than by physical mail, we do not place unsolicited outbound contact to a consumer who has not first taken some affirmative action to reach us. How that works depends on how you came to us.
If you come to us through one of our marketing partners, you will be shown our Terms & Conditions, Privacy Policy, and related disclosures before you click to request that we contact you. Once you click to request contact, our marketing partner’s AI voice system may call you to ask whether a Liberty1 representative is available to speak with you now and, if so, connect you; if we are not immediately available, that same AI system may call you again over the following 10 days until you connect with a Liberty1 representative or ask that the calls stop. If you say “stop,” or otherwise ask not to be called again, at any point during any such call, all further calls to you will stop. After 10 days without connecting by phone, we stop calling you and may instead follow up by text message or email, subject to the separate opt-out mechanisms for those channels described below.
If you call us directly and no live representative is available, for example outside business hours, your call may be answered by Libby, Liberty1’s virtual agent. Libby will identify herself as Liberty1’s virtual agent and let you know no one is immediately available. Libby can help you complete an application by asking you questions, but will not present you with any loan offer, quote a rate or term, or make any representation about your approval; those come only from a live Liberty1 representative or lending partner.
By providing us your phone number, whether directly or through one of our marketing partners, you expressly consent to receive calls from us or our marketing partners using an automatic telephone dialing system, an artificial or prerecorded voice, or an AI-generated or AI-powered voice assistant, for the purposes described above, even if your telephone number is listed on any state, federal, or corporate Do Not Call list. Consent is not a requirement to purchasing the goods or services that Liberty1 Financial is offering. Where you reach us through a marketing partner’s website, that consent, including the disclosures shown to you and the time you agreed to them, may be independently verified and recorded by a third-party consent verification service, and we may receive and retain a certificate of that record. Standard text message rates and cellular data charges apply to any text message you receive. You may stop receiving text messages at any time by replying “STOP,” and you may unsubscribe from our emails at any time using the unsubscribe link in any email we send you; each of those channels is opted out of separately from the others. You may also stop any of the calls described above, or ask to be transferred to a live representative, at any time; we will honor that request and add your number to our do-not-call list, and, where the call was placed by a marketing partner on our behalf, ask that partner to do the same.
Equal Credit Opportunity
Annual percentage rates (APRs) through Liberty1 Financial range from 6.99% to 35.99% APR for first-time borrowers, with the lowest rates offered to the most creditworthy borrowers. Minimum loan amount is $5,000.00. Maximum loan amount is $110,000.00. Eligibility is not guaranteed, and requires that you meet credit and other conditions including: (a) your continuing to meet the criteria for this prescreened offer; (b) your credit report, application and credit history meet our pre-established credit criteria; (c) your monthly debt-to-income ratio (i.e., total monthly debt payments divided by monthly gross income) cannot exceed 50%; and (d) you have been employed for at least one (1) year. Liberty1 Financial does not discriminate on the basis of race, color, religion, sex, marital status, national origin or ancestry.
Electronic Communications
By using our website or applying for our products and services, you agree to receive documents, disclosures, and notices from us electronically, as described in our Consent for Electronic Communications, which is incorporated into this Terms & Conditions by reference. That document also describes SMS terms for account-related text messages, which are separate from, and not a condition of, using our services or agreeing to this Terms & Conditions, and separate from the marketing-call and text consent described above.
Contact Us
Clear Vision Financial LLC, d/b/a Liberty1 Financial
60 E Rio Salado Parkway, Suite 9080, Tempe, AZ 85281
(800) 216-5772
Copyright 2008 to 2026 Liberty1 Financial. All Rights Reserved.