Draft · version terms-2026-09-draft

Terms of Service

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

1. What Mannah is and is not

Mannah Financial ("Mannah," "we") operates a free matching service. Based on the answers you give, we may connect you with independent third parties: a personal loan marketplace operated by Engine by Gen (ML Enterprise Inc.), and debt relief, tax relief, and business debt relief providers ("Providers"). By using this site or submitting a request you agree to these Terms and to our Privacy Policy.

Mannah is not a lender, broker, debt relief provider, credit counselor, tax professional, or law firm. We do not make loans, credit decisions, or settlement offers; we do not negotiate with creditors or taxing authorities; and we do not give financial, legal, or tax advice. Any agreement you enter into is between you and the Provider.

2. Eligibility and accuracy

You must be at least 18 years old, a U.S. resident, and submitting a request about your own situation (or a business you are authorized to represent). You agree that the information you provide is accurate and current. Providers rely on it; inaccurate information may lead to a rejected request or, for a Provider, a different outcome than you expect.

3. How matching works

Personal loans. When you click "Agree and Continue" on the review step, your request — including your Social Security number — is sent to the Engine by Gen marketplace, which returns offers from participating lenders. Offers are the lenders'; selecting one takes you to that lender's own process.
Debt, tax, and business debt. Your answers are compared with Providers' published criteria (for example, amount owed, state, and whether you are in bankruptcy). If there is a match, your results page names the Provider. Nothing is sent to that Provider until you check its consent box and click "Connect me," or call it.
No match. If no Provider is a fit, we tell you plainly and point you to free resources. Your information is not passed to anyone.

4. Compensation and advertiser relationships

Mannah may be paid by a Provider or marketplace when you are connected, when a Provider accepts or verifies your request, or when you enroll. This compensation may influence which Providers we work with and, for loan offers, how they are ordered and displayed. It does not change what you pay. The full advertiser disclosure for loan offers is on our Disclosures page.

5. No guarantee of offers, approval, or results

We do not guarantee that you will receive any offer, be accepted by any Provider, qualify for any program, save any amount, or achieve any particular result. Debt relief programs can negatively affect your credit; creditors may continue collection or take legal action; not all debts qualify; forgiven debt may be taxable; and availability, fees, and terms vary by Provider and state. Tax outcomes are decided by the taxing authority, not by a Provider or by Mannah.

6. E-Sign consent

By checking a consent box, clicking a button labeled "Agree and Continue" or "Connect me," or otherwise submitting a request, you consent under the federal Electronic Signatures in Global and National Commerce Act (E-SIGN) and applicable state law to:

Conduct this transaction electronically and use electronic signatures, which have the same effect as a handwritten signature.
Receive these Terms, our Privacy Policy, disclosures, consent records, and notices electronically, on this site or by email at the address you provide.

Hardware and software: a current web browser with JavaScript enabled, an email account, and the ability to view and save web pages or PDFs. Paper copies: request one free of charge at the contact in section 15. Withdrawing consent: you may withdraw this consent at any time by contacting us; withdrawal does not affect requests already submitted, and you will not be able to submit new requests through this site. Keeping your address current: tell us if your email address changes.

7. Credit authorization agreement (personal loans)

This section applies only when you request personal loan offers. The text below mirrors the marketplace's required language shown on the review step; the marketplace's own agreements also apply. [Engine to confirm this reproduces its current required credit-authorization language verbatim.]

By clicking Agree and Continue: I consent to the ML Enterprise Inc. (Engine by Gen) E-Consent, Terms of Service, Privacy Policy and Financial Privacy Notice; I consent to Engine by Gen's Credit Authorization, which authorizes Engine by Gen and its marketplace partners to obtain consumer report information about me from consumer reporting agencies now and periodically in the future for the purpose of providing personalized offers for financial products and services; and I direct Engine by Gen to share my information, including consumer report information, with me and with Engine by Gen affiliates and marketplace partners to provide financial recommendations or other offers, which may also include debt relief, credit repair, credit monitoring or other related services. Required agreements:

FCRA: By checking this box/clicking 'agree' I hereby consent to the 'E-Sign Agreement', the 'Credit Authorization Agreement', the Terms of Service and Privacy Policy, and I am providing written consent under the Fair Credit Reporting Act (FCRA) for Engine by Gen and Mannah Financial, their partners and financial institutions to obtain consumer report information from my credit profile. I request that my information be provided to their partners, lenders, and financial services partners to provide me with financial recommendations, which may also include debt relief, credit repair, credit monitoring or other related services.

By providing your Social Security number (SSN), you agree to allow Mannah Financial (powered by Engine by Gen), Engine by Gen and their marketplace partners and affiliated companies to obtain information about you from one or more Consumer Reporting Agencies (CRAs). Information obtained may be used to identify financial institution providers and/or financial products that may be a match for you and to verify your identity. Your information may be shared with financial institution providers, who may use it to make pre-qualification or other credit decisions and may independently obtain information from one or more CRAs.

8. Communications

The consents you give for calls, texts, and emails — from Mannah, from the loan marketplace and its partners, and from any named Provider you choose — are shown on the screen where you give them and reproduced on our Disclosures page. Consent to be contacted is never a condition of using this service. Reply STOP to any text to stop texts; message and data rates may apply.

9. Independent providers

Providers are independent companies. Mannah does not control them and is not responsible for their services, fees, advice, communications, or compliance with law. Review a Provider's agreement and disclosures carefully before enrolling. Complaints about a Provider should go to the Provider; we would also like to hear about them (section 15).

10. Intellectual property and acceptable use

The site and its content are owned by Mannah or its licensors. You may use the site only for its intended purpose. You may not scrape, submit false or third-party information, interfere with the site's operation, or attempt to bypass its security or bot protections.

11. Disclaimers

THE SITE AND SERVICE ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. Content on this site is general information, not advice for your situation.

12. Limitation of liability

TO THE FULLEST EXTENT PERMITTED BY LAW, MANNAH AND ITS OWNERS, EMPLOYEES, AND AGENTS WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR FOR ANY LOSS ARISING FROM YOUR DEALINGS WITH A PROVIDER. OUR TOTAL LIABILITY FOR ANY CLAIM RELATING TO THE SITE OR SERVICE WILL NOT EXCEED ONE HUNDRED DOLLARS ($100). Some states do not allow these limitations, so they may not apply to you.

13. Disputes and arbitration

[Counsel to decide whether to include binding arbitration, class-action waiver, opt-out window, and governing law. Placeholder: disputes governed by the laws of [State]; venue in [County, State].]

14. General

These Terms are the entire agreement about the site and service. If any part is unenforceable, the rest remains in effect. We may update these Terms by posting a new version with a new effective date; continued use after that date is acceptance. We may assign these Terms in connection with a business transfer.

15. Contact

Mannah Financial [legal entity name]
[street address, city, state ZIP]
Email: [support@mannahfinancial.com] · Phone: [toll-free number]