Terms of Use
Last updated: September 2026
Please read these Terms of Use carefully before using skratchpayoptions.com (the "Site"). By accessing or using the Site, you agree to be bound by these Terms. If you do not agree, please do not use the Site.
1. About ScratchOptions
ScratchOptions operates as a marketing and referral service. We connect consumers who are looking for funding options with third-party providers who may offer such options. ScratchOptions is not a lender, credit broker, or financial institution and does not make credit or funding decisions.
Submitting a request through the Site does not constitute an application for credit and does not guarantee that you will receive a funding offer. Any offer you may receive is made solely by the third-party provider, subject to that provider's own terms, eligibility criteria, and approval process.
2. Eligibility
You must be at least 18 years of age and a resident of the United States to use this Site. By submitting a request, you represent that you meet these requirements and that the information you provide is accurate and complete.
3. Use of the Site
You agree to use the Site only for lawful purposes and in accordance with these Terms. You agree not to:
- Provide false, inaccurate, or misleading information
- Submit requests on behalf of another person without their authorization
- Use automated tools to access or interact with the Site
- Interfere with or disrupt the operation of the Site
- Attempt to gain unauthorized access to any portion of the Site or its systems
4. No Guarantee of Funding
Submitting a request through the Site does not guarantee that any funding option will be offered to you. Eligibility for any offer is determined solely by the participating provider based on that provider's own underwriting criteria. We have no control over, and make no representations about, the terms, rates, fees, or availability of any offer.
5. Informational Purposes Only
All content on the Site is provided for general informational purposes only. Nothing on the Site constitutes financial, legal, tax, or other professional advice. You should consult qualified professionals before making financial decisions.
6. Third-Party Providers
If you choose to proceed with a funding options provider introduced through our Site, your relationship with that provider is governed by that provider's own agreements and policies. We are not a party to, and bear no responsibility for, any agreement between you and a third-party provider.
7. Intellectual Property
All content on the Site -- including text, graphics, logos, and software -- is owned by or licensed to ScratchOptions and is protected by applicable intellectual property laws. You may not copy, reproduce, distribute, or create derivative works from any Site content without our prior written permission.
8. Disclaimers
The Site is provided on an "as is" and "as available" basis without warranties of any kind, express or implied. We do not warrant that the Site will be uninterrupted, error-free, or free of viruses or other harmful components. We disclaim all implied warranties, including implied warranties of merchantability and fitness for a particular purpose, to the fullest extent permitted by applicable law.
9. Limitation of Liability
To the fullest extent permitted by applicable law, ScratchOptions and its officers, employees, and agents shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising out of or related to your use of, or inability to use, the Site or any content on it, even if we have been advised of the possibility of such damages.
10. Indemnification
You agree to indemnify, defend, and hold harmless ScratchOptions and its officers, employees, and agents from any claims, liabilities, damages, and expenses (including reasonable attorneys' fees) arising from your use of the Site, your violation of these Terms, or your violation of any rights of a third party.
11. Changes to These Terms
We may update these Terms from time to time. When we do, we will revise the "Last updated" date at the top of this page. Your continued use of the Site after any changes constitutes your acceptance of the updated Terms. We encourage you to review this page periodically.
12. Governing Law
These Terms are governed by applicable law. Any disputes will be resolved in accordance with applicable legal requirements.
13. Contact Us
If you have questions about these Terms, please contact us at:
ScratchOptions is a marketing and referral service. We are not a lender and do not make credit or funding decisions.