Website Terms of Use
Last updated Feb 12, 2026
These "Terms of Use" govern your use of www.karoo.loans, its subsections, and microsites (the "Website"). By using the Website, you accept these Terms. If you do not agree, do not use the Website.
You may also have agreements with Karoo Holdings, Inc. ("Karoo"), partner banks and lenders ("Lenders"), or others governing specific products and services. Where those conflict with these Terms, these Terms control as to the Website. Nothing here modifies disclosures required by law.
Borrowers: read the Truth in Lending disclosure in your promissory note carefully before committing. Seek advice if anything is unclear.
Use of the Website is subject to applicable law. Unauthorized use may be prosecuted.
1. Other Applicable Terms
Our Privacy Policy applies to your use of the Website. The Karoo and Lender privacy policies explain how your personal information is used and protected.
2. Eligibility
You must be 18 or older to use the Website. By using it, you represent that you meet this requirement. We may terminate your account and remove your content if you violate these Terms or any other agreement with us.
3. Accessing the Website
We may withdraw or change the Website at any time without notice. You are responsible for your own access arrangements.
We grant you permission to use the Website for personal, non-commercial purposes only. You may not resell access, copy or distribute any part of the Website without our written authorization, or use it inconsistently with these Terms or our Privacy Policy.
4. Contacts
You agree that Karoo, its affiliates, agents, service providers, and assignees may contact you by phone, voicemail, text, email, or other electronic message about your loan, our services, or research (each a "Communication"). We may use any phone number or email associated with your loan, including cell numbers, and may use autodialing systems or prerecorded voices. If you update your contact information, we may use it for Communications.
Consent to Communications is not required to use the Website. We will not charge you, but your carrier may.
We may also contact you by any means that does not require your prior consent under applicable law.
5. Your Account
We verify your identity by sending a unique link to your registered email. If you access the Website through that link, we treat you as the authorized user. You are liable for any instructions or transactions made through your account.
We may disable your account if you breach these Terms, and may refuse any instruction we believe was not submitted by you, is unclear, would breach a legal duty, or suggests illegal activity.
6. Your Enquiry
You agree to provide accurate, current, and complete information when enquiring. If you do not, we may cancel your registration, reject your enquiry, terminate agreements, or restrict your access. We may decline any enquiry at our discretion.
7. Authorization for the Social Security Administration to Disclose Your Social Security Number Verification
I authorize the Social Security Administration (SSA) to verify and disclose to Karoo Holdings, Inc., its affiliates, and Socure Inc (their service provider) whether my name, Social Security Number (SSN), and date of birth match SSA records, including the basis for any no-match response. This consent is for a one-time validation within 90 days.
By clicking I AGREE, you consent to SSA disclosure to Karoo and Socure and confirm your electronic signature carries the same legal effect as a handwritten one.
8. Restrictions on Use
You agree not to:
- Create multiple accounts or register on behalf of others;
- Post harmful, threatening, obscene, fraudulent, or hateful content;
- Impersonate any person or entity;
- Overburden or impair the Website; or
- Upload viruses or malicious code.
9. Changes to These Terms
We may change, suspend, or discontinue the Website at any time. We may revise these Terms by posting updates here. Continued use after a revision constitutes acceptance. We are not responsible for keeping Website content up to date.
10. Account Termination
Once all your loans are repaid, you may close your account by emailing contact@karoo.loans. You will have seven days to download your data from the "My loans" area. After that, access ends. We retain records as required by law.
We may terminate your account for false information, repeated breaches, bankruptcy, or voluntary arrangements with creditors. Accounts terminate upon the holder's death.
We may suspend or terminate your account without notice if we suspect fraud (including if you may be a victim). We will notify you as soon as practicable and as permitted by law.
11. Disclaimers
The Website and all products and services are provided "as is." Karoo and the Lenders disclaim all warranties — express, implied, or statutory — including title, merchantability, fitness for purpose, and non-infringement. We do not guarantee accuracy of information, uninterrupted access, or specific results. Calculators and tools provide estimates only. We are not responsible for user conduct. See also Section 18.
Nothing here limits our liability for:
- Death or personal injury from our negligence;
- Fraud; or
- Any liability that cannot be excluded by law.
We may correct errors we discover, including rate miscalculations. If an error affects your interest rate, APR, origination fee, or payment amount, we will notify you with the correct figures. You agree to cooperate with corrections.
To the extent permitted by law, we and our affiliates exclude all other liability in contract, tort, or otherwise.
12. Intellectual Property
We or our licensors own all intellectual property in the Website and its content. You may not use our materials commercially without a license. All logos, trademarks, graphics, and scripts belong to Karoo, the Lenders, or our licensors.
13. Copyright
To report copyright infringement, email support@karoo.loans or write to Karoo, 251 Little Falls Dr, Wilmington, DE 19808. Include:
- Confirmation of your ownership or authority;
- Identification of the infringed work;
- Identification of the infringing material and its location;
- Your contact details; and
- A good-faith statement that the use is unauthorized.
14. No Advice
Content on the Website is informational only and does not constitute advice. We disclaim liability for reliance on it.
15. User Content
Uploaded content must comply with our content standards. You are liable for any breach.
Indemnification. You agree to indemnify, defend, and hold harmless Karoo, its owners, affiliates, officers, employees, and agents from all claims, losses, damages, and costs (including attorney's fees) arising from your use of the Website.
We are not liable for third-party content. We may remove content that violates our standards. Other users' views are not ours.
16. Malicious Use
Introducing viruses, trojans, or other harmful material terminates your right to use the Website immediately. We are not liable for damage from malicious material you encounter through the Website or linked sites.
17. Links
You may link to our Website if it does not damage our reputation or imply endorsement. We may revoke linking permission at any time.
Links from our Website to third-party sites are informational only. Linking does not constitute endorsement. We are not responsible for third-party content. Review their terms and privacy policies before sharing personal information.
18. Limitation of Liability
You use the Website at your own risk. Neither Karoo nor any Lender is liable for any direct, indirect, special, incidental, or consequential damages arising from your use of (or inability to use) the Website, any linked site, or any products and services — including damages from performance failures, errors, interruptions, defects, delays, viruses, or system failures — even if advised of the possibility.
If you are dissatisfied, your sole remedy is to stop using the service.
Where state law limits these exclusions, our liability and warranties are restricted to the greatest extent permitted.
19. Governing Law
Delaware law governs these Terms, without regard to conflict of laws rules. Failure to enforce a provision is not a waiver. If a court invalidates any provision, the rest remain in effect.
20. Timezone
All times on this Website are Eastern Time (ET).
21. Severability
If any provision is invalid or unenforceable, the remaining Terms continue in full effect.
22. Entire Agreement
These Terms, together with any other agreements between you and Karoo, constitute the entire agreement. Where inconsistent, these Terms control as to the Website.
23. Amendments
We may revise these Terms at any time. Changes are binding once posted. Check this page periodically.
24. Contact
Questions or concerns? Email contact@karoo.loans.