Welcome to Scratchpay Animal Bills. By accessing or using our website at scratchpayanimalbills.com ("Site"), you agree to be bound by these Terms of Service ("Terms"). Please read them carefully.
Important: Scratchpay Animal Bills is an affiliate partner of Scratchpay. We do not directly provide financing. All financing decisions, terms, and agreements are made by Scratchpay and its lending partners.
1. Acceptance of Terms
By using our Site, you confirm that you are at least 18 years old and legally capable of entering into binding agreements. If you do not agree to these Terms, please do not use our Site.
2. Services Description
Scratchpay Animal Bills provides:
- Information about pet financing options
- A platform to submit financing applications to Scratchpay
- Educational resources about veterinary care financing
We are an affiliate partner and do not make lending decisions. All applications are processed and evaluated by Scratchpay and WebBank.
3. Affiliate Relationship
We receive compensation from Scratchpay when users apply for financing through our Site. This compensation does not affect the terms of any financing you may receive. Our recommendations are based on providing helpful information to pet owners.
4. User Responsibilities
When using our Site, you agree to:
- Provide accurate and complete information in any application
- Not submit false or misleading information
- Not use the Site for any unlawful purpose
- Not attempt to interfere with the Site's functionality
- Be solely responsible for maintaining the confidentiality of your account
5. No Guarantee of Approval
Submitting an application through our Site does not guarantee financing approval. All financing decisions are made by Scratchpay and its lending partners based on their own criteria. We have no control over these decisions.
6. Intellectual Property
All content on this Site, including text, graphics, logos, and software, is owned by or licensed to Scratchpay Animal Bills and is protected by copyright and other intellectual property laws. You may not reproduce, modify, or distribute any content without our written permission.
7. Third-Party Links
Our Site may contain links to third-party websites, including Scratchpay. We are not responsible for the content, privacy policies, or practices of these third-party sites. Your use of third-party sites is at your own risk.
8. Disclaimers
THE SITE IS PROVIDED "AS IS" WITHOUT WARRANTIES OF ANY KIND. WE DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.
We do not guarantee that:
- The Site will be available at all times
- The information on the Site is accurate or complete
- Any financing application will be approved
9. Limitation of Liability
TO THE MAXIMUM EXTENT PERMITTED BY LAW, SCRATCHPAY ANIMAL BILLS SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING FROM YOUR USE OF THE SITE OR ANY FINANCING OBTAINED THROUGH OUR REFERRALS.
10. Indemnification
You agree to indemnify and hold harmless Scratchpay Animal Bills, its affiliates, and their respective officers, directors, and employees from any claims, damages, or expenses arising from your use of the Site or violation of these Terms.
11. Changes to Terms
We reserve the right to modify these Terms at any time. Changes will be effective immediately upon posting to the Site. Your continued use of the Site after changes constitutes acceptance of the modified Terms.
12. Governing Law
These Terms are governed by the laws of the United States. Any disputes shall be resolved in the courts of appropriate jurisdiction.
13. Contact Information
For questions about these Terms, please contact us:
- Email: [email protected]
- Phone: 1-800-SCRATCH-ANIMALBILL