HomeHL Hunt Inc. — General Terms and Conditions

HL Hunt Inc. — General Terms and Conditions

HL Hunt Inc. — General Terms and Conditions

For Personal and Business Members
Effective Date: 07/23/2025
Last Updated: 07/23/2025

These General Terms and Conditions (“Terms”) govern your relationship with HL Hunt Inc., a Kentucky C-Corporation (“HL Hunt,” “we,” “us,” or “our”), and apply to your use of any HL Hunt service, including the HL Hunt Marketplace, Credit Builder Program, and any credit line or tradeline issued by HL Hunt.

By enrolling in a personal or business membership, using your HL Hunt Credit Line, or accessing the HL Hunt Marketplace, you agree to be legally bound by these Terms.

1. Membership Overview

HL Hunt offers both Personal and Business memberships. These memberships are required to access:

  • A closed-loop HL Hunt Credit Line;

  • Marketplace purchasing privileges;

  • Participation in the HL Hunt Credit Builder Program;

  • Access to credit tradeline reporting (where applicable).

Details of current membership tiers and benefits are published at www.hlhunt.org. Fees, credit limits, and eligibility may vary depending on your selected plan and underwriting criteria.

2. HL Hunt Credit Line and Tradeline Program

2.1 Nature of the Credit Line

The HL Hunt Credit Line is a closed-loop virtual tradeline, issued solely for use within the HL Hunt Marketplace. This is not a traditional credit card, cash advance, or bank loan. It is intended to support financial responsibility and assist members in building a verifiable credit profile.

2.2 Credit Limit

Credit limits are assigned at our discretion and may depend on membership tier, usage history, payment performance, and other risk-based factors. HL Hunt reserves the right to change your limit at any time without notice.

2.3 Use of Credit

You may only use your HL Hunt Credit Line for purchasing goods or services within the HL Hunt Marketplace. You may not:

  • Withdraw funds or convert credit into cash;

  • Use your line for purchases outside HL Hunt;

  • Transfer, assign, or sell your credit privileges.

3. Marketplace Terms

The HL Hunt Marketplace is accessible only to active members with an approved Credit Line.
You agree that:

  • All purchases are final, unless otherwise stated;

  • Product availability, pricing, and credit eligibility may change;

  • HL Hunt is not responsible for third-party vendor performance, except where expressly stated.

4. Payments and Repayment

4.1 Billing Cycle

You will be billed monthly. Statements will list:

  • Your outstanding balance;

  • New Marketplace purchases;

  • Your payment due date;

  • Any applicable fees.

4.2 Late Payment

Late payments may incur a fee of up to $15 or 5% of the past due amount, whichever is greater. Continued delinquency may result in:

  • Account suspension or closure;

  • Collections or legal action;

  • Adverse credit reporting.

4.3 Auto-Pay

By activating your HL Hunt account, you authorize HL Hunt to automatically charge your designated payment method for all amounts due, including membership fees, Marketplace purchases, and Credit Line payments.

5. Credit Reporting and Disclaimers

5.1 Reporting

HL Hunt may report your Credit Line and account activity to one or more consumer or commercial credit bureaus, including:

  • Credit limit;

  • Payment history;

  • Utilization ratio;

  • Account status (open/closed/delinquent).

5.2 No Guarantee of Reporting

Credit reporting is not guaranteed. While HL Hunt strives to report to major bureaus, factors outside our control (bureau policies, file matching, vendor delays, user information discrepancies, etc.) may result in delays, non-reporting, or rejection.

HL Hunt makes no guarantee that participation will result in:

  • Credit score improvement;

  • Reporting to all bureaus;

  • Any specific credit outcome.

6. Truth in Lending Act (TILA) Notice

In accordance with the Truth in Lending Act (15 U.S.C. § 1601), HL Hunt discloses:

  • APR: 0% (no interest is currently charged);

  • Fees: Late fee up to $15 or 5%; returned payment fee $25;

  • Credit Use: Limited to the HL Hunt Marketplace;

  • Billing: Monthly with full or minimum repayment required.

You may request a copy of your TILA Disclosure by emailing compliance@hlhunt.org.

7. Fair Credit Reporting Act (FCRA) Notice

Pursuant to the Fair Credit Reporting Act (15 U.S.C. § 1681):

  • HL Hunt may access your consumer or business credit file for eligibility, underwriting, fraud prevention, or account monitoring.

  • If we take adverse action based on your credit file (e.g., denial, suspension), you will receive an Adverse Action Notice with instructions on how to obtain a free credit report.

  • You have the right to dispute inaccurate tradeline entries through HL Hunt or directly with the credit bureau.

Contact disputes@hlhunt.org to initiate an investigation of a reporting error.

8. Account Suspension and Termination

HL Hunt may suspend, reduce, or revoke your Credit Line or membership for:

  • Missed payments;

  • Misuse of the platform;

  • False or misleading application information;

  • Violation of these Terms.

You may close your account at any time by submitting written notice and paying any outstanding balance. Account closure does not erase past due obligations or reporting history.

9. Arbitration and Legal Disputes

All disputes shall be resolved by binding arbitration in accordance with the rules of the American Arbitration Association.
You waive your right to:

  • A trial by jury;

  • Participation in any class action;

  • Any claim that seeks injunctive relief outside arbitration.

This Agreement shall be governed by the laws of the Commonwealth of Kentucky, without regard to conflict of law principles.

10. Data Protection and Privacy

HL Hunt secures your personal and financial data using commercially reasonable safeguards. Data collected under this program may be used for:

  • Underwriting and risk assessment;

  • Internal analytics;

  • Reporting to credit bureaus;

  • Account servicing and fraud prevention.

Refer to our Privacy Policy for more details.

11. Modifications to Terms

HL Hunt may update or modify these Terms at any time. Material changes will be posted to your user dashboard or sent via email. Continued use of the platform after such notice constitutes your acceptance of the revised Terms.

12. Contact Information

HL Hunt Inc.
6844 Bardstown Rd
Louisville, KY 40291
Support: support@hlhunt.org
Compliance: compliance@hlhunt.org
Website: www.hlhunt.org

13. Acknowledgment and Consent

By using HL Hunt’s services, you affirm that:

  • You are at least 18 years old or a valid U.S. business representative;

  • You have read, understood, and accepted these Terms;

  • You consent to digital communications, billing, and credit bureau access;

  • You agree to repay all financial obligations incurred on your account.


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