Effective Date: June 1, 2025 · Last Updated: June 1, 2025
Podium Financing, LLC ("Podium") operates a technology platform that facilitates connections between consumers seeking vehicle financing and independent specialty lenders. Podium is not a lender, loan originator, mortgage broker, bank, or credit services organization. Podium does not make credit decisions, set loan terms, guarantee approval, or act on your behalf in any credit transaction.
All financing offers presented through the Platform are made by and subject to the independent underwriting criteria of the issuing lender. Podium makes no representations or warranties regarding the availability, terms, or approval of any financing offer.
You must be at least 18 years of age and a resident of the United States to use the Platform. By submitting a financing inquiry, you represent that all information you provide is accurate, complete, and truthful.
When you submit a financing inquiry, you authorize Podium to:
Submission of a financing inquiry does not constitute a loan application, create any obligation on the part of any lender, or guarantee that any financing offer will be made or accepted.
Upon preparation and delivery of competing lender offers, a one-time platform fee is charged to access the full offer results including lender names, APR, loan terms, and monthly payment details. The platform fee is determined by the amount financed and disclosed at the time of offer presentation.
The platform fee is charged for the service of facilitating lender competition and presenting structured offer results. The fee is non-refundable once offer results have been accessed. Payment of the platform fee does not guarantee loan approval or funding by any lender.
You represent and warrant that all information submitted through the Platform is accurate, complete, and not misleading. Submission of false or fraudulent information may result in immediate termination of your access to the Platform and may expose you to civil or criminal liability.
THE PLATFORM IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND. PODIUM DOES NOT WARRANT THAT THE PLATFORM WILL BE UNINTERRUPTED OR ERROR-FREE.
TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, PODIUM SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING OUT OF YOUR USE OF THE PLATFORM. PODIUM'S TOTAL LIABILITY SHALL NOT EXCEED THE AMOUNT OF THE PLATFORM FEE PAID IN CONNECTION WITH THE SPECIFIC TRANSACTION GIVING RISE TO THE CLAIM.
All lenders in the Podium network are required to comply with the Equal Credit Opportunity Act (15 U.S.C. § 1691 et seq.) and all applicable fair lending laws. Podium does not discriminate on the basis of any characteristic protected by applicable law.
All content on the Platform, including text, graphics, logos, and the Podium brand mark, is the property of Podium Financing, LLC and is protected by applicable intellectual property laws. You may not reproduce or distribute any Platform content without express written permission from Podium.
These Terms shall be governed by the laws of the State of Florida. Any dispute shall be resolved by binding arbitration in Volusia County, Florida, in accordance with the rules of the American Arbitration Association, except that either party may seek injunctive relief in any court of competent jurisdiction.
Podium reserves the right to modify these Terms at any time. Updated Terms will be posted on the Platform with the revised effective date. Your continued use constitutes acceptance.
Podium Financing, LLC
Dylan Ritchey, Founder
dylan@podiumfinancing.com
386.882.0867