Notices and Disclosures

NOTICE: We adhere to the US PATRIOT Act and we are required by law to adopt procedures to request and retain in our records information necessary to verify your identity.

NOTICE: A personal loan provides the cash needed to meet cash flow problems. It is not a solution for long term financial problems for which longer term financing may be more appropriate. You may want to discuss your financial situation with a nonprofit financial counseling service in your community.

Company's Services: This website does not provide loans, however we do connect applicants with a reputable installment loan or cash advance loan providers that may provide them with a loan or cash advance.

Company is not a lender or a loan provider. Nor is Company an agent, representative, or broker thereof. We do not make loans or credit decisions. This Site does not constitute an offer or solicitation to lend. Company is merely a free referral service through which consumers can connect with its network of prospective independent, third party lenders, data managers, and/or brokers (hereinafter Financial Service Providers) with whom Company has contracted to provide matching services. Company facilitates connecting consumers interested in loan amounts between $100 and $1,000 for cash advance or $1,001 and $2,500 for an installment loan with Financial Service Providers (hereinafter "Company's services"). Not all Financial Service Providers can provide up to $1,000 cash advance or up to $2,500 installment loan.

Any compensation Company may receive is paid by a Financial Service Provider for advertising services provided. Please note that information we provide You on the Site may not meet Your particular needs and that You should seek the advice of an appropriate financial professional for an assessment of the loan information provided by Financial Service Providers. Company has no involvement or responsibility in connection with a Financial Service Provider's use of the information that You submit, including, without limitation, if You meet loan qualification criteria.

You expressly agree that Company shall not be liable for any damages or costs of any type arising out of or in any way connected with the loan You enter into or Your use of this Site. To register for Company's services, You must agree to these Terms & Conditions of Use, as well as Company's Privacy Policy and E-Consent. You must also accurately complete and submit one or more forms that require certain personal, employment, and financial information.

Once You submit Your information, we share it with Financial Service Providers. The collection, use, and sharing of this information is subject to these Terms & Conditions of Use, and Company's Privacy Policy and E-Consent. By registering for Company's services, You understand that You are requesting a referral for a loan from the Financial Service Providers with whom we may share Your information. You further understand that such Financial Service Providers may contact You via email, telephone/mobile device and direct mail so that they may assist You in obtaining the loan requested. Financial Service Providers, Company and/or third party marketing partners may also provide information to You about additional services and products that you may be interested in.

Financial Service Providers may verify Your social security number, perform credit checks with reporting bureaus, review Your information against national consumer transaction databases and/or obtain consumer reports through alternative providers. Company does not guarantee You will be connected with a Financial Service Provider.

Company does not endorse, recommend, or guarantee the loan availability, price, product, availability, rates, fees or any other loan terms of Financial Service Providers. Nor do we guarantee that that this is the most suitable loan for You in the current marketplace. By submitting Your information to us, You expressly agree to permit Financial Service Providers to verify and investigate the information You have provided.

If You are connected with a Financial Service Provider, You understand Company is not a party to any agreement between You and the Financial Service Provider and that we have no involvement in the registration process. All loan terms are that of the Financial Service Provider. The Financial Service Provider is solely responsible for its services to You and Your communications with the Financial Service Provider are subject to such Financial Service Provider's terms, conditions and privacy practices. You acknowledge that Financial Service Providers may retain the information You provide regardless of whether You ultimately qualify for a loan. Please direct all questions, comments, or concerns involving Your loan to the Financial Service Provider.

Arbitration of All Disputes: You and we agree that any and all claims, disputes or controversies between you and us, any claim by either of us against the other (or the employees, officers, directors, agents, servicers or assigns of the other) and any claim arising from or relating to your application for this loan, regarding this loan or any other loan you previously or may later obtain from us, this Note, this agreement to arbitrate all disputes, your agreement not to bring, join or participate in class actions, regarding collection of the loan, alleging fraud or misrepresentation, whether under common law or pursuant to federal, state or local statute, regulation or ordinance, including disputes regarding the matters subject to arbitration, or otherwise, shall be resolved by binding individual (and not joint) arbitration by and under the Code of Procedure of the National Arbitration Forum (NAF) in effect at the time the claim is filed. This agreement to arbitrate all disputes shall apply no matter by whom or against whom the claim is filed. Rules and forms of the NAF may be obtained and all claims shall be filed at any NAF office, on the World Wide Web at www.arb-forum.com, by telephone at 800-474-2371, or at 'National Arbitration Forum, P.O. Box 50191, Minneapolis, Minnesota 55405.' Your arbitration fees will be waived by the NAF in the event you cannot afford to pay them. The cost of any participatory, documentary or telephone hearing, if one is held at your or our request, will be paid for solely by us as provided in the NAF Rules and, if a participatory hearing is requested, it will take place at a location near your residence. This arbitration agreement is made pursuant to a transaction involving interstate commerce. It shall be governed by the Federal Arbitration Act, 9 U.S.C. Sections 1-16. Judgment upon the award may be entered by any party in any court having jurisdiction.

NOTICE: YOU AND WE WOULD HAVE HAD A RIGHT OR OPPORTUNITY TO LITIGATE DISPUTES THROUGH A COURT AND HAVE A JUDGE OR JURY DECIDE THE DISPUTES BUT HAVE AGREED INSTEAD TO RESOLVE DISPUTES THROUGH BINDING ARBITRATION.

Agreement Not To Bring, Join Or Participate In Class Actions: To the extent permitted by law, you agree that you will not bring, join or participate in any class action as to any claim, dispute or controversy you may have against us, our employees, officers, directors, servicers and assigns. You agree to the entry of injunctive relief to stop such a lawsuit or to remove you as a participant in the suit. You agree to pay the attorney's fees and court costs we incur in seeking such relief. This agreement does not constitute a waiver of any of your rights and remedies to pursue a claim individually and not as a class action in binding arbitration as provided above. This agreement not to bring, join, or participate in class actions is an independent agreement and shall survive the closing and repayment of the loan for which you are applying.

By submitting this Application you certify that all of the information provided above is true, complete and correct and provided to us for the purpose of inducing us to make the loan for which you are applying. By submitting below you also agree to the Agreement to Arbitrate All Disputes and the Agreement Not To Bring, Join Or Participate in Class Actions.(This Application will be deemed incomplete and will not be processed by us unless signed by you.)