Terms of Service

Agreement to Terms

By accessing or using the Buffalo Lake Lending website, you agree to be bound by these Terms of Service. If you do not agree to these terms, please do not use our website or services.

About Buffalo Lake Lending

Buffalo Lake Lending is an economic arm and instrumentality of the Crow Creek Sioux Tribe, a federally recognized sovereign Indian nation. We operate under the sovereign immunity of the Tribe.

Eligibility

To use our services, you must:

• Be at least 18 years old (19 in Alabama and Nebraska, 21 in Mississippi)
• Be a U.S. citizen or permanent resident
• Have a valid Social Security Number
• Have an active checking account
• Reside in a state where we offer services

Loan Agreement

If you are approved for a loan, you will be provided with a Consumer Loan Agreement that contains the specific terms of your loan, including:

• Loan amount and APR
• Payment schedule and amounts
• Total cost of the loan
• Fees and charges
• Your rights and responsibilities

The Consumer Loan Agreement governs your loan and should be read carefully before signing.

Governing Law

Your loan and these Terms of Service are governed by applicable federal law and the laws of the Crow Creek Sioux Tribe. By using our services, you acknowledge that:

• Buffalo Lake Lending is a tribal entity operating under tribal sovereignty
• State law does not apply to your loan
• Disputes are subject to the tribal dispute resolution process

Intellectual Property

All content on this website, including text, graphics, logos, and images, is the property of Buffalo Lake Lending or the Crow Creek Sioux Tribe and is protected by copyright and trademark laws.

Limitation of Liability

Buffalo Lake Lending and the Crow Creek Sioux Tribe shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of our website or services.

Dispute Resolution

Any dispute arising from your loan or use of our services shall be resolved through the Crow Creek Sioux Tribe's dispute resolution process as outlined in your Consumer Loan Agreement.

Changes to Terms

We reserve the right to modify these Terms of Service at any time. Changes will be effective when posted to this page. Your continued use of our website constitutes acceptance of any changes.

Contact Information

Questions about these Terms may be directed to:

• Phone: (800) 835-1988
• Email: customerservice@buffalolakelanding.com
• Mail: Buffalo Lake Lending, P.O. Box 254, Fort Thompson, SD 57339