Licenses & Disclosures

Who we are, and what we are not

DuckWater Financial, a trade name of Agency Age Holdings, LLC, operates a technology platform. We collect one secure application, and we introduce the people who make it to participating, licensed financial institutions who may be able to serve them.

DuckWater Financial is not a lender, a mortgage broker, an insurance producer, or a money transmitter. We do not make or influence credit decisions, we do not set or quote rates, terms or fees, we do not underwrite or bind insurance coverage, and we do not hold, transmit or custody funds or digital assets.

Every decision about whether you are approved, on what terms, at what price, and when you are funded is made by the licensed institution you choose — under its own criteria, its own agreements with you, and its own regulatory obligations.

How options are ordered

We never order or rank options by any commercial consideration. Where more than one partner can serve a need, the list is ordered by objective factors — whether the partner operates in your state and serves your product and amount — and then alphabetically.

No placement on DuckWater is sold. Nothing is labelled “featured”, “preferred” or “sponsored”, because no such placement exists.

We do not claim to show you every option in the market, or the best option for you. We show participating partners — the ones we have agreements with — and you choose.

Where products are available

Availability varies by product, by partner and by state, and changes over time. A product that appears on this site may not be available where you live. If no participating partner can serve your state for a given need, DuckWater will tell you that rather than showing you options you cannot use.

Credit checks

DuckWater does not check your credit. Starting an application here involves no credit inquiry of any kind, soft or hard.

If you choose to continue with a financing partner, that partner will tell you what credit inquiry its programme requires and ask for your authorization before it happens. Any inquiry is made by that partner, under its own permissible purpose, not by DuckWater.

Insurance

Where DuckWater introduces you to an insurance agency or carrier, we act only as a referral source. We are not your agent or broker, we do not advise on coverage, and we do not have the authority to bind coverage. The licensed agency or carrier you are introduced to is responsible for quoting, advising and issuing any policy. [counsel to confirm]

Crypto-backed lending

DuckWater does not lend against digital assets and is never the custodian of digital assets. Where a crypto-backed loan is shown, the loan is made by a third-party lender and any collateral is held by that lender or its custodian, under their terms. Digital assets are volatile; collateral can be liquidated if its value falls. Read the lender's disclosures about custody and whether collateral may be re-lent before you pledge anything.

Licenses

Neither DuckWater Financial nor Agency Age Holdings, LLC holds any lending, brokering or insurance producer license; DuckWater operates only in the referral and marketing capacity described above. Any license DuckWater obtains will be listed here, with its number and the states it covers, and this page will say plainly what changes as a result. [counsel to confirm]

Each partner is responsible for holding the licenses its own products require in the states where it offers them.

Questions

Ask us anything about how options are shown — message the team. See also our Privacy Policy and Terms of Use.