Terms and Conditions

Use of this Site constitutes the acknowledgement that you have read, understood, and are in agreement with our Terms & Conditions (also ‘terms’) which apply to the current website you are viewing (referred to as ‘company’, ‘site’, ‘us’, ‘our’ or ‘we’). It notifies all Users (‘you’, ‘your’, etc.) about our terms. Please completely review these Terms & Conditions before using this Site. Users who do not agree with these Terms & Conditions should not use this Site or its services.

 

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 short term loan provides the cash needed to meet an immediate short-term cash flow problem. It is not a solution for longer 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. You will be charged additional fees if you renew the loan.

 

SERVICES

The company that owns this website is NOT a lender and does not broker loans, but offers a loan finding service. We do not guarantee that you will be offered a short term loan and do not guarantee the amount of your loan. Final decisions for the approval of short term loans lie with the third party lender and not with this site. We cannot guarantee that you will receive the best loan offers available and cannot guarantee the product, price, rates, fees, availability, or any other terms of loan products and services.

Use of this service necessitates the submission of information that includes (but is not limited to) name, date of birth, physical address, Social Security number, telephone number, driver’s license number and state, email address, employment information, information about home ownership, citizenship status, income information, and information about your banking account. This information will be used in the loan finding process and submission of information to this site constitutes an agreement for us to share your information with third party lenders. You also agree for third parties to contact you about loans and other products and services. The information from your application will be shared with more than one lender.

Lenders will verify your identity and may consult one or more credit bureaus to learn your credit score. Submitting information to this site constitutes an agreement for your information to be used in these ways. Entering into a loan agreement with a third party lender means that your interactions with the lender are governed by their Policy and Terms. Questions regarding your loan agreement should be addressed directly to your lender.

RESTRICTIONS

Only citizens and legal residents of the USA who are over the age of 18 can submit a loan request through our site. This site may not be used for unauthorized, inappropriate, or illegal activities.

FCRA AND CREDIT CHECKS

By submitting a loan request through our site, you agree to let third parties check your credit scores through one or more credit bureaus. The lenders associated with this website may perform a ‘soft pull’ that will not affect your credit score. Third party lenders may initiate a credit inquiry that can affect your credit score. All such interactions are governed by the FCRA (Fair Credit Report Act)

COMPLIANCE

By using this site, all users agree to comply with all laws, regulations, ordinances, and statutes governing the use of sites such as this. Violations (either real or perceived) of our Terms and Policy may be reported to regulatory bodies and/or law enforcement at our discretion and may be followed by an investigation to determine the nature and extent of the violations. Customers who fail to abide by our terms may have their service suspended. All users agree to fully cooperate in the event of such an investigation.

AUTHORIZED USE

This site may be used for personal and non-commercial purposes as the law permits. We prohibit other uses, including (but not limited to) duplication, reproduction, copy, sale, resale, use, access, or unauthorized exploitation of this site and its materials and contents for commercial purposes.

INTELLECTUAL PROPERTY RIGHTS

We reserve all rights associated with the materials and contents of this site. Use of this site confers no intellectual property rights on any user. This site and its contents are protected by copyright laws in the US and other countries and we retain the copyright of all materials. All ‘Trademarks’ (logos, trademarks, and service marks) displayed on this site are trademarks of this Company, registered and unregistered. Use of these Trademarks that does not conform to these guidelines is not allowed without written permission.

DISCLAIMER OF WARRANTIES

ALL CONTENT, PRODUCTS, INFORMATION, AND SERVICES ARE OFFERED ‘AS IS’. USE OF THIS SITE IS DONE AT YOUR OWN RISK. WE DISCLAIM ANY AND ALL WARRANTIES, IMPLIED OR DIRECTLY STATED, REGARDING THIS SITE. THIS INCLUDES (BUT IS NOT LIMITED TO) CONTENT, PRODUCTS, INFORMATION, AND SERVICES. THIS COMPANY PROVIDES NO WARRANTIES CONCERNING THE EFFECTIVENESS OF THIS SITE OR ITS CONTENT, PRODUCTS, INFORMATION, AND SERVICES. IN ADDITION, THIS COMPANY DOES NOT GUARANTEE, WARRANT, OR REPRESENT, THAT OUR SERVICES WILL MEET ALL YOUR REQUIREMENTS. THIS COMPANY ALSO MAKES NO GUARANTEES THAT SERVICES WILL BE UNINTERRUPTED, TIMELY, SECURE, OR ERROR-FREE. FUNCTIONALITY OR DEFECTS IN THE OPERATION OF SERVICES OR RELATED SOFTWARE OR THE CORRECTION OF ERRORS IS NOT GUARANTEED. WE ALSO DO NOT GUARANTEE, WARRANT, OR REPRESENT, THAT THIRD PARTY SERVICES WILL MEET ALL YOUR REQUIREMENTS OR THAT THIRD PARTY SERVICES WILL BE TIMELY, UNINTERRUPTED, SECURE, OR ERROR-FREE. FUNCTIONALITY OR DEFECTS IN THE OPERATION OF THIRD PARTY SERVICES OR RELATED SOFTWARE OR THE CORRECTION OF ERRORS IS NOT GUARANTEED.

LIMITATION OF LIABILITIES

THIS COMPANY SHALL NOT BE HELD LIABLE OR RESPONSIBLE FOR DIRECT, INDIRECT, INCIDENTAL, PUNITIVE, EXEMPLARY, CONSEQUENTIAL, OR SPECIAL DAMAGES RESULTING FROM THE USE OF THIS SITE OR SERVICES. OUR TOTAL LIABILITY (AS PERMITTED BY LAW) FOR CLAIMS RESULTING FROM THE USE OF THIS SITE OR SERVICES (WHETHER IN WARRANTY, CONTRACT, STRICT LIABILITY, TORT, OR OTHERWISE) IS LIMITED TO THE TOTAL AMOUNT PAID BY YOU (IF ANY) TO USE THIS SITE AND ITS SERVICES.

THIRD PARTY LINKS

This site contains third party links for advertising purposes. Their inclusion and display does not constitute our recommendation for or endorsement of these sites but is intended for convenience and reference. As such, we are not responsible for anything (content, information, software, or other materials) made available on these sites. Following these links is done at your own risk

THIRD PARTY DEALINGS

We cannot be held liable for products, services, payment, conditions, warranties, or any terms and conditions found on third party sites. Any interactions you have with third parties stemming from your use of this site is done at your own risk.

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.

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.

INDEMNIFICATION

Use of this site constitutes an agreement to hold this Company blameless against any and all liability, suits, claims, expenses, loss, damages, actions, and proceedings, including (without limitation), reasonable attorneys' fees and relevant costs, stemming from or related to any cause of action, allegation, claim, or involving, without limitation, your unauthorized or unlawful use of this site.

ENTIRE AGREEMENT

These Terms & Conditions contain the entire agreement between each user and this Company.

MODIFICATION

We reserve the right to alter and modify these Terms & Conditions at any time. Modifications are effective immediately and will be clearly posted as is deemed appropriate. Users who fail to agree with modified Terms are not obligated to continue to use this site or its services.

NON-WAIVER; SEVERABILITY

This company’s failure to enforce these Terms does not nullify the use and effect of these Terms. We reserve all rights to continue to enforce all Terms regardless. If any of these Terms are deemed to be illegal, invalid, or unenforceable, those elements will be nullified. All remaining terms and conditions remain in full effect.