Terms of Use

Changes to these Terms

We may revise these Terms when our website, services, or legal obligations change. The updated version becomes effective when posted, unless a later date is stated. Your continued use after an update means you acknowledge the revised Terms. We encourage you to review this page periodically for changes.

User eligibility, consent and representations

You must be at least 18 years old and able to enter a binding agreement to use application or support features. You may use the website only for lawful personal purposes and only in jurisdictions where the service is available.

By using the website, you agree to be bound by these Terms and our Privacy Policy. If you do not agree with any provision, you should discontinue use of the website immediately.

Information you submit must be accurate, current, complete, and provided with authority. You may not submit another person's information without permission or use false information to obtain an eligibility result, service, or communication.

Arbitration and class action waiver — important

PLEASE READ THIS SECTION CAREFULLY. IT AFFECTS YOUR LEGAL RIGHTS, INCLUDING YOUR RIGHT TO FILE A LAWSUIT IN COURT.

You and Discover Financial LLC agree that any dispute, claim, or controversy arising out of or relating to these Terms, the website, or any service shall be resolved through binding individual arbitration rather than in court, except that either party may bring an individual action in small claims court.

You and Discover Financial LLC agree to waive any right to participate in a class action lawsuit or class-wide arbitration. If this class action waiver is found to be unenforceable, then the entirety of this arbitration provision shall be null and void.

Any arbitration shall be conducted by the American Arbitration Association (AAA) under its Consumer Arbitration Rules. The arbitrator's decision shall be final and binding and may be entered as a judgment in any court of competent jurisdiction.

User Responsibilities

You are responsible for maintaining the security of any account credentials and for all activity that occurs under your account.

You agree not to use the website for any unlawful purpose or in violation of these Terms.

You may not attempt to interfere with the proper functioning of the website, including by introducing malicious code, attempting unauthorized access, or overloading our systems.

License to use content, limitations, and intellectual property

Discover Financial and its licensors own the website, designs, text, graphics, software, and other content. We grant you a limited, revocable, non-exclusive permission to view and use the website for its intended purpose.

You may not copy, frame, republish, resell, reverse engineer, scrape, interfere with security, introduce malicious code, impersonate another person, or use the website to violate law or another person's rights.

All trademarks, service marks, and logos displayed on the website are the property of Discover Financial or their respective owners.

User content, upload rights, and feedback you provide

If you send feedback, suggestions, or other material, you grant us permission to use it to operate and improve the service without payment or obligation, provided we do not use it in a way that conflicts with our Privacy Policy or applicable law.

You represent that any content you submit does not infringe the rights of any third party and does not contain unlawful material.

Applications and loan-related services and disclaimers

Submitting an application or request does not guarantee approval, an offer, a rate, funding, or a particular term. Eligibility, APR, fees, amount, repayment schedule, state availability, and funding timing may depend on verification, underwriting, product rules, and applicable law.

Nothing on this website constitutes a binding offer to extend credit. Any loan offer will be presented in a separate written disclosure that you must review and accept before any loan is funded.

Third-Party Services

We may use vendors for hosting, communications, fraud prevention, identity verification, analytics, customer support, and other operations. Third-party websites and services have their own terms and privacy policies, and we are not responsible for their content or practices.

We are not responsible for any damages or losses arising from your interaction with third-party service providers.

Indemnification

To the extent allowed by law, you agree to indemnify, defend and hold harmless Discover Financial and its service providers from claims, losses, liabilities, and expenses arising from your unlawful use, violation of these Terms, or submission of unauthorized or misleading information.

Scope of Services and Availability

We may change, suspend, or discontinue any website feature, restrict access, or terminate an account when reasonably necessary for security, legal compliance, misuse, inactivity, or operational reasons.

We do not guarantee that the website will be available at all times or that it will be free from errors or interruptions.

We reserve the right to modify or discontinue any aspect of the website at any time without prior notice.

Disclaimers of Warranties

The website is provided on an "as available" and "as is" basis. Information may contain errors, become outdated, or be temporarily unavailable. Nothing on the website is financial, legal, tax, investment, or credit advice, and content is not a promise of a particular result.

TO THE MAXIMUM EXTENT PERMITTED BY LAW, DISCOVER FINANCIAL DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.

Limitation of Liability

To the fullest extent permitted by law, Discover Financial and its service providers will not be liable for indirect, incidental, special, consequential, exemplary, or punitive losses arising from website use or inability to use the website. Nothing limits liability that cannot legally be limited.

IN NO EVENT SHALL DISCOVER FINANCIAL'S TOTAL LIABILITY TO YOU EXCEED THE GREATER OF $100 OR THE AMOUNT YOU HAVE PAID TO US IN THE TWELVE (12) MONTHS PRIOR TO THE CLAIM.

Governing Law

These Terms shall be governed by and construed in accordance with the laws of the United States and the State of California, without regard to conflict of law principles. You agree to submit to the personal jurisdiction of the courts located within that jurisdiction for the resolution of any disputes.

Account Termination

We may suspend or terminate your access to the website at our sole discretion, without prior notice or liability, for any reason, including if you breach these Terms.

Provisions that should survive termination will remain effective, including ownership provisions, warranty disclaimers, indemnity, and limitations of liability.

General Legal Provisions

These Terms are governed by applicable United States and state law, subject to mandatory consumer protections. Any dispute will be handled in a court or process permitted by applicable law and any executed product agreement.

These Terms, the Privacy Policy, notices displayed during an application, and any executed agreement form the applicable understanding for the service. If one provision is unenforceable, the remaining provisions continue to the extent permitted by law.

Our failure to enforce any right or provision of these Terms will not be considered a waiver of those rights.

Severability

If any provision of these Terms is held to be invalid or unenforceable by a court of competent jurisdiction, the remaining provisions shall continue in full force and effect. The invalid or unenforceable provision shall be modified to the minimum extent necessary to make it valid and enforceable.

Electronic Communications

By providing contact information, you may receive communications about your request, account, security, and service. Marketing communications may be opted out of where permitted. Message and data rates may apply to text messages.

You agree that all agreements, notices, disclosures, and other communications that we provide to you electronically satisfy any legal requirement that such communications be in writing.

Copyright and DMCA

If you believe material on the website infringes your copyright, send a notice identifying the work, the material, your contact information, and a good-faith statement to contact@discoverfinancial.online. We may remove or restrict disputed material while reviewing the request.

Accessibility

We aim to make the website usable and accessible. If you encounter an accessibility barrier, contact contact@discoverfinancial.online with the page, issue, and a preferred way to respond.

Procedures for Making a Claim of Copyright Infringement

To file a notice of infringement, you must provide a written communication that includes: identification of the copyrighted work claimed to have been infringed, identification of the material that is claimed to be infringing, your contact information, a statement of good faith belief, and a statement of accuracy under penalty of perjury.

Send notices to contact@discoverfinancial.online with the subject "Copyright Notice."

Contact

Questions about these Terms may be sent to contact@discoverfinancial.online. These website Terms of Use do not replace the disclosures and loan agreement that govern any loan you obtain from us.