Terms of Use

Effective November 5, 2026 · Applies to the LoanShield app and md5to.com/loanshield

LoanShield is made by MD5TO, a business name of A&M Olivieri LLC ("we", "us"). By creating an account or using the app you agree to these terms and to our Privacy Policy.

What LoanShield is

LoanShield is an information tool that looks for common warning signs of loan scams, shows public government records about banks and lenders, and estimates loan costs. Results are automated estimates. A "low risk" result does not prove an offer is legitimate, and a "likely scam" result does not prove it is fraud. LoanShield is not a lender, does not offer loans, and does not give legal, financial or credit advice. Always verify a lender yourself before sharing personal information or sending money.

Government data

Lender results come from the FDIC BankFind API and the CFPB Consumer Complaint Database. This data may be incomplete or delayed, and complaint counts are not verified findings against a company. LoanShield is not affiliated with or endorsed by the FDIC, CFPB, SBA, FTC or any government agency.

Your account

You need a free account to use LoanShield. Keep your sign-in secure. You can delete your account at any time in the app. You must be at least 13 years old to use LoanShield.

LoanShield Pro

LoanShield Pro is an auto-renewing subscription sold through Apple ($4.99 per month or $34.99 per year in the U.S.; prices may vary by country). It includes unlimited checks and removes ads. Payment is charged to your Apple ID and renews automatically unless you cancel at least 24 hours before the end of the current period. Manage or cancel in your iPhone Settings › Apple ID › Subscriptions. Refunds are handled by Apple.

Fair use

Do not misuse the app or our servers, try to get around limits, or use LoanShield to harass anyone. We may suspend accounts that do.

Third-party services and links

Government databases, Google AdMob ads, and partner websites are provided by third parties under their own terms. Some links are affiliate links.

No warranty and limits

LoanShield is provided "as is". To the extent allowed by law, we are not liable for losses caused by relying on results from the app, including money paid to third parties. Our total liability is limited to the amount you paid us in the last 12 months.

Contact

Questions: contact@md5to.com. These terms are governed by the laws of the State of Florida.