HomeHL Hunt Marketplace and Credit Line Terms and Conditions

HL Hunt Marketplace and Credit Line Terms and Conditions

HL Hunt Marketplace and Credit Line Terms and Conditions

Effective Date: 07/23/2025
Last Updated: 07/23/2025

These Terms and Conditions (“Terms”) govern your participation in the HL Hunt Marketplace and your use of the associated credit line issued under the HL Hunt Credit Builder Program (“Credit Line”). By enrolling in an HL Hunt membership, accessing the Marketplace, or accepting a Credit Line, you (“User,” “you,” or “your”) agree to be legally bound by these Terms.

These Terms constitute a binding agreement between you and HL Hunt Inc., a Kentucky C-Corporation (“HL Hunt,” “we,” “us,” or “our”). Please read them carefully before using our services.

1. Overview of the HL Hunt Marketplace and Credit Line

1.1 Marketplace

The HL Hunt Marketplace is a proprietary, closed-loop digital platform offering a curated selection of goods and services exclusively available to HL Hunt members. Purchases may be made using your HL Hunt Credit Line, subject to your eligibility and compliance with these Terms.

1.2 HL Hunt Credit Builder Credit Line

The HL Hunt Credit Line is a revolving virtual tradeline issued for use solely within the HL Hunt Marketplace. This is not a traditional credit card or cash advance and may not be used outside the HL Hunt ecosystem. It is designed to help personal and business members build a verifiable credit history, reported to applicable credit bureaus.

1.3 Tradeline Reporting

We report credit utilization, payment history, and account standing to major consumer and/or business credit bureaus. Reporting may influence your credit profile, but HL Hunt does not guarantee any particular credit outcome.

2. Eligibility and Membership

2.1 Requirements

To obtain a Credit Line and access the Marketplace, you must:

  • Be of legal age and capacity to enter into a contract;

  • Have a valid Social Security Number (SSN) or Employer Identification Number (EIN);

  • Complete KYC/KYB verification;

  • Maintain an active HL Hunt membership (personal or business).

2.2 Membership Types

HL Hunt offers multiple personal and business membership plans. Credit Line eligibility, spending limits, and account features may vary by tier.

You may review current membership tiers, benefits, and pricing at www.hlhunt.org.

3. Use of Credit Line

3.1 Authorized Use

The Credit Line may be used only to purchase approved products and services within the HL Hunt Marketplace. It may not be withdrawn as cash, transferred to third parties, or used for purchases outside the HL Hunt platform.

3.2 Restrictions

You may not use your Credit Line for:

  • Transactions involving prohibited or illegal products;

  • Reselling goods or services outside the Marketplace;

  • Activities that violate state, federal, or international law;

  • Any personal or business use deemed high-risk or abusive by HL Hunt.

HL Hunt reserves the right to suspend or revoke access for misuse or non-compliance.

4. Repayment and Billing

4.1 Monthly Statement and Payment Due

You will receive a billing statement at the end of each billing cycle outlining your Marketplace purchases and Credit Line balance. Payment is due in accordance with your membership agreement and the disclosures provided upon approval of your Credit Line.

4.2 Late Payments and Delinquency

Failure to make timely payments may result in:

  • Assessment of late fees;

  • Reporting of delinquency to credit bureaus;

  • Account suspension or termination.

You are responsible for ensuring that your payment method remains current and that automatic payments are processed successfully.

4.3 Auto-Pay and ACH Authorization

By agreeing to these Terms, you authorize HL Hunt to initiate recurring payments from your designated payment method for outstanding balances and monthly membership dues.

5. Credit Reporting and Accuracy

5.1 Tradeline Reporting

HL Hunt may report your Credit Line activity to major credit reporting agencies. Reporting includes account status, credit limit, utilization, payment history, and delinquencies.

5.2 Disputes and Corrections

If you identify any errors in your credit reporting, you must notify HL Hunt in writing at compliance@hlhunt.org within thirty (30) days of the disputed entry. We will investigate and, if necessary, file corrections with the relevant bureaus in accordance with the Fair Credit Reporting Act (FCRA).

6. Account Suspension and Termination

6.1 Suspension and Revocation

HL Hunt may suspend or revoke your Credit Line and Marketplace access if:

  • Payments are overdue;

  • You breach any part of these Terms;

  • Fraudulent or suspicious activity is detected.

6.2 Termination by User

You may terminate your membership at any time. Upon termination:

  • You remain responsible for all unpaid balances;

  • Your Credit Line will be closed;

  • Credit reporting will reflect your account closure in accordance with law.

6.3 Collections

If your account is seriously delinquent, HL Hunt reserves the right to refer your account to collections and recover legal and administrative costs as permitted by law.

7. Regulatory Disclosures

7.1 Truth in Lending Act (TILA)

HL Hunt complies with the TILA and provides a clear disclosure of credit terms upon account activation. These include your repayment obligations, due dates, any applicable interest (if introduced in the future), and potential fees.

7.2 No Federal Banking Relationship

HL Hunt Inc. is a financial technology company. It is not a bank, credit union, or deposit-taking institution. Your Credit Line is not insured by the FDIC or any governmental agency.

8. Dispute Resolution and Arbitration

8.1 Arbitration Agreement

All disputes arising out of or relating to these Terms shall be resolved exclusively through binding arbitration administered by the American Arbitration Association under its Consumer Arbitration Rules. You waive your right to a jury trial or to participate in class actions.

9. Intellectual Property

All content, technology, designs, and trademarks within the HL Hunt Marketplace are the exclusive property of HL Hunt Inc. Unauthorized reproduction, redistribution, or scraping of any content is strictly prohibited.

10. Modifications to Terms

HL Hunt reserves the right to modify these Terms at any time. Material changes will be communicated via your user dashboard or email. Your continued use of the Credit Line and Marketplace after such updates constitutes your agreement to the revised Terms.

11. Contact Information

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

By using the HL Hunt Marketplace and accepting a Credit Line under the HL Hunt Credit Builder Program, you confirm that you have read, understood, and agree to be legally bound by these Terms and Conditions.


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