LoanSites – Terms of Service

Last Updated: January 19, 2026

These Terms of Service (“Agreement”) govern access to and use of services provided by World Wide Design Agency Inc., doing business as LoanSites (“LoanSites,” “we,” “us,” or “our”).

By subscribing to or using LoanSites services, you (“Client,” “you,” or “your”) agree to be bound by this Agreement.

1. Company Information

Legal Entity:
World Wide Design Agency Inc. dba LoanSites

Business Address:
1434 Keele Drive
Carpentersville, IL 60110
United States

Throughout this Agreement, the company will be referred to as LoanSites.

2. Services

LoanSites provides WordPress-based website development, hosting, management, and related digital services on a subscription basis.

LoanSites does not guarantee:

Leads
Traffic
Rankings
Revenue
Conversion rates
Business outcomes of any kind

All services are provided on a best-effort basis.

3. Subscription Model

LoanSites operates strictly as a subscription-based service.

Services remain active only while subscription payments are current
There is no buyout option
Ownership of the website platform, framework, templates, and proprietary systems remains with LoanSites
Client content remains the property of the Client (see Section 19)

4. Fees & Billing

The Client agrees to pay all applicable fees associated with their selected subscription plan, which may include:

Monthly or annual subscription fees
Approved add-on services or features
Approved customization requests

Billing Terms:

All fees are non-refundable unless expressly stated in writing
No refunds or credits for partial months
No support fees exist outside standard subscription pricing
Pricing includes all applicable taxes unless expressly stated otherwise

5. Payment Method

A valid credit or debit card is required
Subscription fees are billed in advance on a recurring basis
Payments are processed via secure third-party processors
By subscribing, you authorize LoanSites to charge your payment method automatically

Billing disputes must be submitted within 60 days of the charge.

6. Term & Renewal

This Agreement becomes effective on the date of signup
Subscriptions automatically renew unless properly canceled
Cancellation terms are outlined in Section 22

7. Account Suspension & Termination

LoanSites may suspend or terminate services if:

Payments are more than 30 days past due
This Agreement is violated
The website is used for illegal, misleading, or offensive purposes
Client actions present legal, security, reputational, or operational risk
Required information is falsified or misleading

LoanSites may suspend services immediately, with or without prior notice, when risk is identified.

8. Regulatory & Compliance Disclaimer

LoanSites does not provide legal, regulatory, compliance, licensing, or professional advice.

Clients are solely responsible for ensuring their website content, advertising, disclosures, and business practices comply with all applicable laws, including but not limited to:

Federal and state mortgage laws
Advertising and consumer protection regulations
Licensing and disclosure requirements
Financial services regulations

LoanSites assumes no liability for compliance failures or regulatory enforcement actions.

9. Third-Party Services

LoanSites utilizes third-party platforms, plugins, hosting providers, analytics tools, payment processors, and integrations.

LoanSites is not responsible for outages, failures, security incidents, updates, pricing changes, or functionality issues caused by third-party services beyond its reasonable control.

10. Warranties & Disclaimers

Services are provided “as is” and “as available.”

LoanSites expressly disclaims all warranties, including:

Merchantability
Fitness for a particular purpose
Uninterrupted or error-free operation

LoanSites does not guarantee:

SEO results
Marketing performance
Lead generation
Platform availability

11. Limitation of Liability

To the fullest extent permitted by law, LoanSites shall not be liable for:

Indirect, incidental, consequential, special, or punitive damages
Lost profits, business interruption, or data loss

Total liability shall not exceed the fees paid by the Client in the three (3) months preceding the claim.

12. Indemnification

The Client agrees to indemnify and hold harmless LoanSites from any claims, damages, losses, or expenses arising from:

Client-provided content
Advertising claims
Intellectual property violations
Regulatory or compliance issues
Client misuse of the services

13. Client Responsibilities

The Client agrees to:

Use services legally and ethically
Maintain account security
Own or have rights to all submitted content
Comply with all applicable laws
Not upload malicious code or prohibited content

14. Data & Backups

Automated backups may be performed on a best-effort basis for operational purposes
LoanSites does not guarantee the availability, completeness, or restoration of any backup
LoanSites is not obligated to restore data, content, or websites under any circumstances

15. Assignment

Clients may not assign this Agreement without written consent
LoanSites may assign this Agreement at any time

16. Changes to Terms

LoanSites may update these Terms at any time.

Continued use constitutes acceptance
Subscription pricing changes require 30 days’ notice

17. Account Information

Clients must keep contact and billing information current.

18. Notices

Notices may be delivered via:

Email
Electronic notification
Written correspondence

19. Content Ownership

The Client retains ownership of all content they provide, including but not limited to their business name, domain name, logos, branding, written copy, images, media, and data
LoanSites retains ownership of its website platform, structure, codebase, templates, systems, workflows, and proprietary technology used to deliver the services
The Client grants LoanSites permission to host and display Client content solely for the purpose of providing the subscribed services

Clarification:
Clients own their business name, domain, logos, branding, copy, and media they provide. LoanSites owns the website platform, structure, codebase, templates, and systems used to deliver the service. The website operates as a managed platform and is not sold as a standalone asset.

LoanSites is not obligated to export, migrate, recreate, or transfer websites unless expressly agreed to in writing.

20. Intellectual Property

The LoanSites platform, design systems, templates, and proprietary technology are protected intellectual property.

Clients may not copy, resell, or reuse LoanSites materials without written consent.

21. Abuse & Conduct

Abusive, threatening, or inappropriate behavior toward staff, partners, or representatives may result in immediate termination without refund.

22. Cancellation

Clients must cancel via the designated subscription management method
Verbal or informal requests do not constitute cancellation unless confirmed in writing
Upon cancellation, services may be deactivated and content deleted
LoanSites is not responsible for content recovery after cancellation

23. Force Majeure

LoanSites shall not be liable for delays or failures caused by events beyond reasonable control, including natural disasters, internet outages, power failures, labor disputes, or governmental actions.

24. U.S. Company Representation

LoanSites is operated by World Wide Design Agency Inc., a United States company. The company’s principal place of business, executive management, and decision-making authority are based exclusively in the United States.

25. Governing Law & Venue

This Agreement is governed by the laws of the State of Illinois, without regard to conflict-of-law principles.

Any disputes shall be resolved exclusively in state or federal courts located in Illinois.

26. Entire Agreement

This Agreement constitutes the entire agreement between the parties and supersedes all prior agreements or understandings.

If any provision is found unenforceable, the remaining provisions remain in effect.

27. Contact

Questions regarding these Terms of Service may be sent to:
support@loansites.com