Terms of Use

Terms, Conditions and Disclaimers. Headstart Financial does not guarantee acceptance into any warranty, insurance, or home, personal or business loan program. We also reserve the right to modify or discontinue any offer or product availability, fees, and or rates, at any time and without notice.

The information provided to you on this site is to be used as general reference only, and may not describe all of the terms, conditions, and exceptions applicable to any Headstart products and services.

For warranties or insurance, depending on your individual circumstance and applicable state law, coverage and availability of offerings may vary. Furthermore, additional minimum coverage limits may be required in your state. We only offer product and services where we or our partners are appropriately licensed.

Headstart products and services include brokering, quoting and transacting sales to you of third-party warranty and/or insurance products. The quotes provided to you by us or our partners are non-binding. Actual terms and conditions are determined by the underwriting insurance company following application. As part of providing you services, we may require you to agree to additional terms and conditions, or enter into separate agreements with applicable third-party insurance carriers and those agreements would be subject to their applicable terms and conditions.

For loans, a borrower must be a U.S. citizen or permanent resident in an eligible state and meet relevant underwriting requirements. Your actual rate will depend on a variety of factors, including loan term, financial history, income and other factors. Rates and terms are subject to change at anytime without notice and are subject to state restrictions. Headstart Financial is not an agent of any prospective lender nor are we involved in a lender’s use or review of your application information or any decisions on terms and rates. We use private loans that have different payment options than federal loan programs. If you do not pay your loan according to its terms, you experience: LATE FEES, YOUR ACCOUNT MAY BE SENT TO A COLLECTION AGENCY, OR BE REPORTED TO A CONSUMER REPORTING AGENCY WHICH MAY NEGATIVELY AFFECT YOUR CREDIT SCORE OR REQUIRE YOU TO REFINANCE OR RENEW TERMS WHICH MAY NEGATIVELY AFFECT RATES AND FEES.

As part of an initial inquiry, Headstart Financial performs a soft credit pull – this does not affect your credit score. However, if you choose a product and continue your application, we will request your full credit report from one or more consumer reporting agencies: Experian, TransUnion, and Equifax.