Version disclosures-2026-09-draft

Disclosures

Effective date: [Month Day, Year]. Applies to Mannah Financial [LLC — legal name and address, brief §12] ("Mannah," "we," "us").

1. Company disclosure

Mannah Financial is a matching service, not a lender. We connect consumers with independent lending partners who may contact you about loan options, and we may be compensated by them. We do not make credit decisions or guarantee any loan. Availability, rates, terms, and approval are determined by the lender and vary by state and individual situation.

Shown in the footer of every page. Company legal name, license or registration numbers where required, and business address: [to be supplied — brief §12].

2. Advertiser disclosure (personal loans)

[Not published. The loan marketplace relationship is not in place, so no marketplace-branded advertiser disclosure appears anywhere on the site. It returns, with that marketplace's current required wording, when the agreement is signed and the domain approved.]

4. Debt relief disclosures

Mannah Financial is a matching service and does not provide debt relief services. Debt relief programs may negatively affect your credit. Creditors may continue collection efforts or take legal action, including lawsuits, while you are enrolled. Fees are charged only after a debt is settled. Not all debts qualify. Results vary and are not guaranteed. Forgiven debt may be treated as taxable income; consult a tax professional. Program availability varies by state.

Results page explainer, shown whenever a debt relief provider is offered:

Debt relief is not a loan. A debt relief provider works with you to negotiate directly with your creditors to try to settle what you owe for less than the full balance, usually through a monthly program payment. It can affect your credit, and creditors may keep contacting you during the program. You pay a fee only after a debt is actually settled. It is one option among several, and it isn't right for everyone.

5. Tax relief disclosures

Mannah Financial is a matching service and does not provide tax resolution services or legal advice. Tax relief providers are independent companies. Eligibility for IRS or state programs depends on your individual circumstances and is determined by the taxing authority, not by Mannah Financial or the provider. Fees, availability, and results vary by provider and state. Results are not guaranteed.

6. Business debt disclosures

Mannah Financial is a matching service and does not provide business debt restructuring, legal, or financial advice. Business debt relief providers are independent companies. Programs may affect your business and personal credit, and creditors may continue collection efforts or take legal action. Fees, availability, and results vary by provider and state. Results are not guaranteed.

7. Contact consents (TCPA)

Consent to be contacted is never a condition of using this service. Each consent below appears on the screen where it is given, is recorded with its version and timestamp, and is documented by a TrustedForm certificate. [Attorney: review each text for TCPA / state mini-TCPA compliance, including the one-to-one consent requirement for named sellers.]

Mannah Financial — debt, tax, and business debt requests

Shown under the phone field on the contact step.

By providing your contact details you agree that Mannah Financial may email, call, or text you at the number and address you provided about your request, including by automated means. Consent is not a condition of any purchase. Message and data rates may apply. Reply STOP to opt out. Your information is not shared with a provider until you choose one on the next page.

Disclosure at the top of every step of those requests:

About this service: Mannah Financial is a free matching service. We are not a lender, debt relief provider, or law firm. Based on your answers we may connect you with an independent provider, and we may be paid by that provider. Nothing is sent to any provider until you choose one and give your consent.

Named providers — one consent per provider, on the results page

Each provider gets its own unchecked box. Checking it and clicking "Connect me" (or calling the number shown) is what sends your request to that provider, and only that provider.

CuraDebt

By checking this box and clicking Connect me, I agree that CuraDebt may contact me at the phone number and email I provided, including by autodialed calls, prerecorded messages, and texts, about debt relief, tax relief, business debt relief services. Consent is not a condition of any purchase. Msg & data rates may apply. Reply STOP to opt out.

Nationwide Loan Consultants

By checking this box and clicking Connect me, I agree that Nationwide Loan Consultants may contact me at the phone number and email I provided, including by autodialed calls, prerecorded messages, and texts, about services. Consent is not a condition of any purchase. Msg & data rates may apply. Reply STOP to opt out.

The service words in the box ("debt relief", "tax relief", "business debt relief") are filled in with the verticals that provider was matched for.

8. SMS verification code

Some requests are confirmed with a one-time text code before results are shown. The code is for verification only and is not marketing.

We'll text a one-time code to confirm your number. Msg & data rates may apply. This code is used only to verify your phone and is not marketing.

9. Text versions

Every text above carries a version id that is stored with each consent. Changing a text means changing its version.

Key	Version
`mannah.company_disclosure`	`mannah-company-loans-2026-10-draft`
`mannah.company_disclosure_all_paths`	`mannah-company-2026-09-draft`
`mannah.matching_disclosure`	`mannah-matching-2026-09-draft`
`mannah.loans_disclosure`	`mannah-loans-2026-10-draft`
`mannah.nwlc_consent`	`mannah-nwlc-2026-10-draft`
`mannah.contact_consent`	`mannah-contact-2026-09-draft`
`mannah.ivr_consent`	`ivr-consent-2026-09-draft`
`mannah.sms_disclosure`	`mannah-sms-2026-09-draft`
`mannah.debt_relief_footer`	`mannah-debtfooter-2026-09-draft`
`mannah.tax_relief_footer`	`mannah-taxfooter-2026-09-draft`
`mannah.business_debt_footer`	`mannah-bizfooter-2026-09-draft`
`mannah.debt_relief_explainer`	`mannah-drexplainer-2026-09-draft`
`partner_consent`	`partner-consent-2026-09-draft`