Last Updated: February 19, 2026
These Terms and Conditions ("Terms") govern your use of the Germain Consulting Services RN website and services. By accessing or using our services, you agree to be bound by these Terms. If you do not agree to these Terms, please do not use our services.
Germain Consulting Services RN is a direct lender providing various financial services including personal loans, business financing, and debt consolidation. All lending decisions are made at our sole discretion based on our evaluation of your application and creditworthiness.
Loan terms, interest rates, fees, and repayment schedules will be clearly disclosed to you in writing before you accept any loan offer. You are not obligated to accept any loan offer we may extend to you.
By providing your mobile phone number and opting in, you agree to receive SMS text messages from Germain Consulting Services RN, including messages sent using an automatic telephone dialing system, for customer care, informational, account-related, and promotional or marketing purposes. Message frequency may vary based on your interactions with us. Message and data rates may apply.
You may opt out of SMS communications at any time by replying STOP. For help, reply HELP or contact us at [email protected]. Consent to receive SMS messages is not required as a condition of purchase. We reserve the right to modify or discontinue SMS messaging at any time.
When you submit a loan application, you authorize us to:
You represent and warrant that all information provided in your application is true, accurate, and complete. Providing false or misleading information may result in denial of your application and may constitute fraud.
If your loan application is approved, you will receive a loan agreement outlining all terms and conditions including:
You must carefully review and sign the loan agreement before funds are disbursed. The loan agreement is a legally binding contract.
By accepting a loan, you agree to repay the principal amount plus interest and any applicable fees according to the payment schedule in your loan agreement. Failure to make timely payments may result in:
We may charge various fees in connection with our services, including but not limited to origination fees, late payment fees, and returned payment fees. All applicable fees will be disclosed to you before you accept a loan offer.
By using our services, you consent to receive communications from us via email, phone, SMS text messages, and postal mail. These communications may include account information, payment reminders, promotional offers, and other service-related messages.
You are responsible for keeping your contact information current and accurate.
We are committed to protecting your personal and financial information. Our collection, use, and sharing of your information are governed by our Privacy Policy, which is incorporated into these Terms by reference.
All content on our website, including text, graphics, logos, images, and software, is the property of Germain Consulting Services RN and is protected by copyright and other intellectual property laws. You may not reproduce, distribute, modify, or create derivative works without our express written permission.
Our services are provided "as is" and "as available" without warranties of any kind, either express or implied. We do not guarantee that our services will be uninterrupted, error-free, or secure.
To the fullest extent permitted by law, Germain Consulting Services RN shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising out of or related to your use of our services.
These Terms are governed by the laws of the State of New York without regard to its conflict of law provisions. Any disputes arising under these Terms shall be resolved in the courts located in Brooklyn, New York.
We operate in compliance with all applicable federal and state lending laws and regulations. Our lending practices are subject to oversight by relevant regulatory authorities.
We reserve the right to modify these Terms at any time. We will notify you of material changes by posting the updated Terms on our website with a new "Last Updated" date. Your continued use of our services after any changes constitutes acceptance of the modified Terms.
If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions shall continue in full force and effect.
These Terms, together with our Privacy Policy and any loan agreement you enter into with us, constitute the entire agreement between you and Germain Consulting Services RN regarding our services.
If you have questions about these Terms, please contact us:
Germain Consulting Services RN
1085 E 57Th Street
Brooklyn, NY 11234
Email: [email protected]